Cenlar FSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 5.82 percentage points in Q2 2026, from 51.48% to 45.66%. It was the largest change from Q1 2026 among the key lines here. Cenlar FSB ranks 44th of 49 New Jersey banks on loan-to-deposit ratio, in the lower half at 45.66% (Q2 2026). Cenlar FSB reported 45.66% on loan-to-deposit ratio for Q2 2026, 34.89 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $202.2M |
| Net loans and leases | $202.2M |
| Loans held for sale | $200.8M |
| Loans to total assets | 25.85% |
| Loan-to-deposit ratio | 45.66% |
| Net loans to equity capital | 1.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 3.61% |
| Interest income on loans | $2.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $277.8M | $608.9M | 0.00% | 0.00% | 0.03% |
| Q4 2023 | $272.2M | $632.5M | 0.00% | 0.00% | 0.02% |
| Q1 2024 | $267.3M | $569.0M | 0.00% | 0.00% | 0.02% |
| Q2 2024 | $257.7M | $610.5M | 0.00% | 0.00% | 0.02% |
| Q3 2024 | $251.6M | $570.5M | 0.00% | 0.00% | 0.02% |
| Q4 2024 | $242.2M | $601.4M | 0.00% | 0.00% | 0.02% |
| Q1 2025 | $242.5M | $529.6M | 0.00% | 0.00% | 0.02% |
| Q2 2025 | $230.2M | $472.7M | 0.00% | 0.00% | 0.01% |
| Q3 2025 | $265.9M | $509.6M | 0.00% | 0.00% | 0.01% |
| Q4 2025 | $271.1M | $566.9M | 0.00% | 0.00% | 0.00% |
| Q1 2026 | $263.0M | $510.9M | 0.00% | 0.00% | 0.00% |
| Q2 2026 | $202.2M | $442.8M | 0.00% | 0.00% | 0.00% |
Cenlar FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cenlar FSB, freeSource: Call Report Schedule RC-C, 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)