Cenlar FSB
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Data as of · sourced from FFIEC call reports. How we update
Cenlar FSB is an FDIC-insured savings institution headquartered in Ewing, NJ, established in 1912 (FDIC certificate 30996), and it is supervised by the OCC. At Q2 2026 it reported total assets of $782.0M, down 10.7% from Q2 2025, the 30th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 44.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30996
- Headquarters
- Ewing, NJ
- Established
- 1912
- Total assets, Q2 2026
- $782.0M
- Assets vs Q2 2025
- -10.7%
- CET1 ratio, Q2 2026
- 44.07%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 231271365
- Holding company
- CENLAR CAPITAL CORPORATION
- Asset rank in state
- 30th of 49 in New Jersey
Cenlar FSB spends more to run itself than most banks of its size. Its balance sheet stood at $782 million at June 30, 2026, down 10.7% from a year earlier; it is based in Ewing, New Jersey. It loses about $2.05 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 108 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $4.3 million in the quarter. Unrealized losses on its securities total $47 million, equal to 34% of Tier 1 capital, against 37% a year earlier. Its margin is thin by comparison: it keeps 2.79 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Cenlar FSB reported a CET1 capital ratio of 44.07%, a return on assets of -2.05%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 0.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cenlar FSB is the 30th largest of the 49 banks headquartered in New Jersey. From Q1 2026 to Q2 2026, its total assets fell 9.5% to $782.0M, loans fell 23.1% and deposits fell 13.3%. 1-4 family residential loans made up 100.0% of its total loans on June 30, 2026, its largest category. The FDIC Summary of Deposits lists a single office for it, in Ewing, NJ. By the capital ratios in its Q2 2026 call report, Cenlar FSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 425 Phillips Blvd, Ewing, NJ 08618
- County
- Mercer
- Metro Area
- Trenton-Princeton, NJ
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1912
- Former names
- Cenlar Federal Savings Bank (1985-1996)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 1,578
- Domestic deposits
- $442.8M
- Allowance for credit losses
- $4K
- Net charge-offs (YTD)
- $0
- Average total assets
- $831.4M
- Average total loans
- $235.5M
- Average interest-bearing deposits
- $459.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30996
- Fed RSSD
- 934271
- Website
- www.cenlar.com →
- Parent Holding Company
- CENLAR CAPITAL CORPORATION (RSSD 3836880)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cenlar FSB's total assets ran between $782.0M (Q2 2026) and $990.9M (Q2 2024), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$782.0M total assets against $876.2M; $642.5M total liabilities against $733.4M.
$202.2M net loans and leases against $229.5M; $442.8M total deposits against $472.7M.
$407.9M securities against $490.6M; $50.0M cash and balances due against $31.8M.
$4.7M total interest income against $5.5M; $0 total interest expense against $0.
$4.7M net interest income against $5.5M.
$86.6M total noninterest income against $113.7M; $98.8M total noninterest expense against $112.8M.
-$766K provision for credit losses against -$34K.
-$4.3M net income against $5.1M.
-2.05% return on assets against 2.21%; 2.79% net interest margin against 2.81%.
44.07% CET1 capital ratio against 46.13%; 16.56% tier 1 leverage ratio against 15.50%.
Inside the full Cenlar FSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Cenlar FSB rankings
Its closest position to the top of a national ranking is 11 of 2,134, for CET1 ratio; its furthest is 3,590 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.05% (Q2 2026) to 3.96% (Q4 2025) and its net interest margin ran from 2.44% (Q3 2024) to 2.97% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 44.07% | -2.05% | 0.21% | 0.31% | 2.79% |
| Q1 2026 | 43.22% | -0.45% | 5.27% | 0.92% | 2.85% |
| Q4 2025 | 40.75% | 3.96% | 3.98% | 0.53% | 2.97% |
| Q3 2025 | 39.60% | 1.88% | 3.14% | 0.84% | 2.63% |
| Q2 2025 | 46.13% | 2.21% | 3.80% | 0.55% | 2.81% |
| Q1 2025 | 43.07% | 2.51% | 3.28% | 0.56% | 2.82% |
| Q4 2024 | 37.45% | 1.93% | 2.97% | 0.71% | 2.65% |
| Q3 2024 | 38.47% | 1.22% | 2.52% | 0.82% | 2.44% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cenlar FSB (main office) | Ewing , NJ | 08618 | $442.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 26, 2021, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Cenlar FSB
- Period: Most recent institution action October 26, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NJ, rank 55 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cenlar FSB
What are Cenlar FSB's total assets?
As of the Q2 2026 filing, Cenlar FSB reported total assets of $782.0 million in its FFIEC call report.
Where is Cenlar FSB headquartered?
It is headquartered in Ewing, NJ, United States.
When was Cenlar FSB founded?
It was established in 1912, per the FDIC institution directory.
Is Cenlar FSB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30996). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cenlar FSB?
Cenlar FSB's primary federal regulator is the OCC.
What is Cenlar FSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 44.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cenlar FSB operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cenlar FSB's Texas Ratio?
Its Texas Ratio is 0.31% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Cenlar FSB previously called?
The charter now named Cenlar FSB has also operated as Cenlar Federal Savings Bank (1985-1996), per FDIC structure-change records.
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