Cenlar FSB: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.82 percentage points lower than in Q1 2026, at 45.66%. Within New Jersey, Cenlar FSB is 44th of 49 on loan-to-deposit ratio, 45.66% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Cenlar FSB sits 34.89 points lower, at 45.66% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.0M |
| Cash and noninterest-bearing balances to assets | 6.40% |
| Cash and securities | $457.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.66% |
| Net loans and leases to deposits | 45.66% |
| Loans and leases to core deposits | 45.66% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 45.63% | 75.37% | $0 | $0 |
| Q4 2023 | 43.04% | 76.30% | $0 | $0 |
| Q1 2024 | 46.97% | 73.68% | $0 | $0 |
| Q2 2024 | 42.21% | 75.47% | $0 | $0 |
| Q3 2024 | 44.10% | 91.26% | $0 | $0 |
| Q4 2024 | 40.26% | 91.71% | $0 | $0 |
| Q1 2025 | 45.79% | 100.00% | $0 | $0 |
| Q2 2025 | 48.69% | 100.00% | $0 | $0 |
| Q3 2025 | 52.18% | 100.00% | $0 | $0 |
| Q4 2025 | 47.82% | 100.00% | $0 | $0 |
| Q1 2026 | 51.48% | 100.00% | $0 | $0 |
| Q2 2026 | 45.66% | 100.00% | $0 | $0 |
Cenlar FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cenlar FSB, freeSource: Call Report Schedules RC and RC-M, 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)