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Cenlar FSB
Ewing, NJ · FDIC Certificate #30996 · Chartered 01/0
Total assets
$782.04M
Total deposits
$442.76M
Total equity
$139.57M
Net loans
$202.17M
Branches (offices)
1
Net income (YTD)
-$5.23M
Rank: #1,276 of 4,213 U.S. banks by assets · #30 of 49 in New Jersey. Assets changed -10.7% and deposits -6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.23% |
| Return on equity | -6.99% |
| Net interest margin (YTD) | 2.87% |
| Equity to assets | 17.85% |
| Tier 1 leverage ratio | 16.56% |
| Uninsured deposits (share of deposits) | 90.6% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 45.7% |
| Real estate loans (share of loans) | 100.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $202.17M | 100.0% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.05B | $689.84M | -$12.31M | $105.69M |
| Jun 2023 | $1.04B | $640.71M | $6.30M | $103.35M |
| Jun 2024 | $990.91M | $610.53M | $6.00M | $124.39M |
| Jun 2025 | $876.16M | $472.73M | $11.33M | $142.73M |
| Jun 2026 | $782.04M | $442.76M | -$5.23M | $139.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $442.76M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $442.76M.
Similar-sized banks
The Bank Of Canton ($782.54M) · Mission Valley Bank ($782.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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