Cenlar FSB: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Retained earnings: 17.4% lower than in Q1 2026, at $75.1M. On CET1 ratio, Cenlar FSB ranks 3rd highest among the 37 banks headquartered in New Jersey, at 44.07% (Q2 2026). Against a median of 15.08% for banks in the $100M-1B asset tier, Cenlar FSB reported 44.07% on CET1 ratio in Q2 2026, 28.99 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 44.07% |
| Tier 1 risk-based capital ratio | 44.07% |
| Total risk-based capital ratio | 44.07% |
| Tier 1 leverage ratio | 16.56% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $137.3M |
| Tier 1 capital | $137.3M |
| Total risk-based capital | $137.3M |
| Total equity capital | $139.6M |
| Risk-weighted assets | $311.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.85% |
| Tangible equity to tangible assets | 17.85% |
| Equity capital to average assets | 16.79% |
| Internal capital growth rate | -41.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $64.5M |
| Retained earnings | $75.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$41K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 31.87% | 31.87% | 32.08% | 10.57% | $338.8M |
| Q4 2023 | 29.03% | 29.03% | 29.24% | 10.05% | $348.4M |
| Q1 2024 | 37.04% | 37.04% | 37.24% | 11.06% | $340.2M |
| Q2 2024 | 36.63% | 36.63% | 36.83% | 11.33% | $335.9M |
| Q3 2024 | 38.47% | 38.47% | 38.67% | 13.38% | $330.5M |
| Q4 2024 | 37.45% | 37.45% | 37.65% | 12.03% | $353.0M |
| Q1 2025 | 43.07% | 43.07% | 43.28% | 13.95% | $321.6M |
| Q2 2025 | 46.13% | 46.13% | 46.35% | 15.50% | $309.5M |
| Q3 2025 | 39.60% | 39.60% | 39.81% | 16.24% | $367.0M |
| Q4 2025 | 40.75% | 40.75% | 40.95% | 16.85% | $381.0M |
| Q1 2026 | 43.22% | 43.22% | 43.44% | 17.85% | $356.6M |
| Q2 2026 | 44.07% | 44.07% | 44.07% | 16.56% | $311.6M |
Cenlar FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cenlar FSB, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cenlar FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30996) · FFIEC NIC profile (RSSD 934271)