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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ewing, NJ · FDIC certificate #30996 · RSSD 934271
CENLAR FSB is an FDIC-insured institution based in Ewing, NJ (FDIC certificate #30996). In its Q3 2026 Call Report it reported total assets of $609M, total deposits of $325M and net loans of $54M. Its primary federal regulator is OCC. Its current parent is CENLAR CAPITAL CORPORATION.
Reported facts
CENLAR FSB (FDIC certificate #30996) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $609M |
|---|---|
| Total deposits | $325M |
| Net loans and leases | $54M |
| Return on assets | -1.45% |
| Return on equity | -7.83% |
| Net interest margin | 2.99% |
| Quarterly asset change | -22.13% |
| Quarterly deposit change | -26.64% |
Plain-language readout
CENLAR FSB in Ewing, NJ reported total assets of $609M, total deposits of $325M and net loans of $54M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of -1.45%, a return on equity of -7.83%, a net interest margin of 2.99%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
Total assets fell 45.4% over the past four quarters, from $1.1B in Q1 2023 to $609M in Q3 2026. Total deposits fell 54.8% over the past four quarters, from $718M in Q1 2023 to $325M in Q3 2026. Net loans fell 81.6% over the past four quarters, from $294M in Q1 2023 to $54M in Q3 2026.
Total assets fell 46.1% over the past five years, from $1.1B in Q1 2019 to $609M in Q3 2026. Total deposits fell 62.8% over the past five years, from $872M in Q1 2019 to $325M in Q3 2026. Net loans fell 87.4% over the past five years, from $432M in Q1 2019 to $54M in Q3 2026.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $609M | $325M | $54M | -1.45% | -7.83% | 2.99% |
| Q2 2026 | $782M | $443M | $202M | -1.23% | -6.99% | 2.87% |
| Q1 2026 | $865M | $511M | $262M | -0.44% | -2.53% | 2.88% |
| Q2 2023 | $1.0B | $641M | $286M | 1.16% | 12.55% | 1.68% |
| Q1 2023 | $1.1B | $718M | $294M | 1.84% | 20.69% | 1.77% |
| Q4 2022 | $1.1B | $795M | $301M | -2.01% | -21.14% | 2.12% |
| Q3 2022 | $1.1B | $769M | $301M | -1.76% | -18.04% | 2.06% |
| Q2 2022 | $1.1B | $690M | $299M | -2.19% | -22.20% | 2.02% |
| Q1 2022 | $1.1B | $718M | $305M | -2.68% | -27.40% | 1.97% |
| Q4 2021 | $1.2B | $904M | $320M | 1.62% | 16.74% | 1.92% |
| Q3 2021 | $1.2B | $856M | $337M | 1.92% | 19.74% | 1.92% |
| Q2 2021 | $1.1B | $745M | $356M | 1.44% | 14.68% | 1.96% |
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