Cenlar FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cenlar FSB of Ewing, NJ against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -2.05% | 1.25% | -3.30% | 1st bottom |
| ROAE | -11.58% | 12.22% | -23.80% | 1st bottom |
| Net Interest Margin | 2.79% | 3.95% | -1.16% | 6th bottom |
| Efficiency Ratio | 108.18% | 63.71% | +44.47% | 1st bottom |
| PPNR / Avg Assets | -3.62% | — | — | 0th bottom |
| Yield on Earning Assets | 2.79% | 5.67% | -2.88% | 0th bottom |
| Cost of Funds | 0.00% | 1.87% | -1.87% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.88% | -0.67% | 64th above |
| NPA / Total Assets | 0.06% | — | — | 77th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.00% | — | — | 0th bottom |
| ACL / NPLs (Coverage) | 0.93% | — | — | 0th bottom |
| Texas Ratio | 0.31% | 5.96% | -5.65% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 44.07% | 17.18% | +26.89% | 97th top |
| Tier 1 Ratio | 44.07% | 17.21% | +26.86% | 97th top |
| Total Capital Ratio | 44.07% | — | — | 97th top |
| Leverage Ratio | 16.56% | 11.75% | +4.81% | 92nd top |
| Equity / Assets | 17.85% | 10.98% | +6.87% | 94th top |
| TCE / Tangible Assets | 17.85% | — | — | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.66% | 80.44% | -34.78% | 94th top |
| Core Deposit Ratio | 100.00% | 86.95% | +13.05% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.74% | — | — | 1st bottom |
| Loan Growth (Y/Y) | -12.17% | — | — | 2nd bottom |
| Deposit Growth (Y/Y) | -6.34% | — | — | 5th bottom |
See Cenlar FSB's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cenlar FSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cenlar FSB profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Cenlar FSB peer analysis.