Cenlar FSB: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged down by 0.06 percentage points, from 2.85% to 2.79%, the largest move among the key lines here. Within New Jersey, Cenlar FSB is 35th of 49 on net interest margin, 2.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Cenlar FSB sits 1.15 points lower, at 2.79% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 2.79% |
| Yield on loans | 3.61% |
| Yield on securities | 2.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.00% |
| Cost of interest-bearing deposits | — |
| Cost of interest-bearing liabilities | — |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.79% |
| Yield to cost spread | — |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 2.36% | 0.67% | 1.54% | 2.94% | 2.03% |
| Q4 2023 | 2.43% | 0.67% | 1.59% | 3.15% | 2.05% |
| Q1 2024 | 3.05% | 0.52% | 2.45% | 3.10% | 2.05% |
| Q2 2024 | 2.98% | 0.74% | 2.14% | 3.15% | 2.43% |
| Q3 2024 | 2.73% | 0.24% | 2.44% | 3.20% | 2.47% |
| Q4 2024 | 2.92% | 0.21% | 2.65% | 3.01% | 2.42% |
| Q1 2025 | 2.90% | 0.07% | 2.82% | 3.27% | 2.40% |
| Q2 2025 | 2.81% | 0.00% | 2.81% | 3.22% | 2.45% |
| Q3 2025 | 2.63% | 0.00% | 2.63% | 2.95% | 2.41% |
| Q4 2025 | 2.97% | 0.00% | 2.97% | 3.95% | 2.35% |
| Q1 2026 | 2.85% | 0.00% | 2.85% | 3.68% | 2.31% |
| Q2 2026 | 2.79% | 0.00% | 2.79% | 3.61% | 2.29% |
Cenlar FSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cenlar FSB, freeSource: Call Report Schedules RI and RC-K, 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)