Cenlar FSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Non-performing loans to loans: 5.06 percentage points lower than in Q1 2026, at 0.21%. Cenlar FSB has the 2nd lowest return on assets of the 49 banks headquartered in New Jersey, at -2.05% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Cenlar FSB reported -2.05% on return on assets in Q2 2026, 3.30 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 44.07% |
| Tier 1 risk-based capital ratio | 44.07% |
| Total risk-based capital ratio | 44.07% |
| Tier 1 leverage ratio | 16.56% |
| Equity capital to assets | 17.85% |
| Tangible equity to tangible assets | 17.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.31% |
| Allowance for credit losses to loans | 0.00% |
| Reserve coverage of non-performing loans | 0.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -2.05% |
| Return on equity | -11.58% |
| Net interest margin | 2.79% |
| Efficiency ratio | 108.18% |
| Yield on earning assets | 2.79% |
| Cost of funds | 0.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.66% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 56.62% |
| Securities to assets | 52.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 31.87% | 31.87% | 32.08% | 10.57% | 1.60% |
| Q4 2023 | 29.03% | 29.03% | 29.24% | 10.05% | -2.28% |
| Q1 2024 | 37.04% | 37.04% | 37.24% | 11.06% | 2.55% |
| Q2 2024 | 36.63% | 36.63% | 36.83% | 11.33% | -0.47% |
| Q3 2024 | 38.47% | 38.47% | 38.67% | 13.38% | 1.22% |
| Q4 2024 | 37.45% | 37.45% | 37.65% | 12.03% | 1.93% |
| Q1 2025 | 43.07% | 43.07% | 43.28% | 13.95% | 2.51% |
| Q2 2025 | 46.13% | 46.13% | 46.35% | 15.50% | 2.21% |
| Q3 2025 | 39.60% | 39.60% | 39.81% | 16.24% | 1.88% |
| Q4 2025 | 40.75% | 40.75% | 40.95% | 16.85% | 3.96% |
| Q1 2026 | 43.22% | 43.22% | 43.44% | 17.85% | -0.45% |
| Q2 2026 | 44.07% | 44.07% | 44.07% | 16.56% | -2.05% |
Cenlar FSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cenlar FSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)