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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
Deterministic ratios for CENLAR FSB from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $325M |
|---|---|
| Net loans and leases | $54M |
Plain-language readout
CENLAR FSB in Ewing, NJ funds its loans with $325M of deposits and holds $54M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for CENLAR FSB in Q3 2026; none is estimated.
Against banks of similar size for the same filing period: Efficiency ratio (official UBPR): 0.975 against a peer median of 0.622, a 98.7th percentile position among 758 peers. Net interest margin (official UBPR): 0.017 against a peer median of 0.032, a 2.1th percentile position among 758 peers. Interest Income (TE) as a percent of Average Assets: 0.021 against a peer median of 0.044, a 0.7th percentile position among 758 peers. Interest Expense as a percent of Average Assets: 0.006 against a peer median of 0.013, a 11.2th percentile position among 758 peers.
The loan-to-deposit ratio computed from net loans and total deposits was 16.71% in Q3 2026, against 47.80% in Q2 2021. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $54M | $325M | 16.71% |
| Q2 2026 | $202M | $443M | 45.66% |
| Q1 2026 | $262M | $511M | 51.33% |
| Q2 2023 | $286M | $641M | 44.63% |
| Q1 2023 | $294M | $718M | 40.99% |
| Q4 2022 | $301M | $795M | 37.85% |
| Q3 2022 | $301M | $769M | 39.16% |
| Q2 2022 | $299M | $690M | 43.35% |
| Q1 2022 | $305M | $718M | 42.48% |
| Q4 2021 | $320M | $904M | 35.38% |
| Q3 2021 | $337M | $856M | 39.34% |
| Q2 2021 | $356M | $745M | 47.80% |