FDIC Cert #30996 · Ewing, New Jersey · Est. 1912

Cenlar FSB - FDIC Bank Health Profile

A community-scale look at Cenlar FSB's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$899M
Total assets
A
Health grade · Excellent
2.73%
Return on assets
40.7%
Tier 1 capital

Data updated July 2026

The verdict

Cenlar FSB earns a PlainBankData health grade of A (81/100), with well-capitalized at 40.75% Tier 1, profitable at 2.73% ROA, 93% efficiency ratio.

#1,141
largest of 4,313 FDIC banks by assets
74th
percentile by asset size, nationally
40.75%
Tier 1 ratio - above the 10% well-capitalized line
97th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 30996 · NJ A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1869/4307
  • PHOTO-FINISH First Southern Bank · MS
  • TIER1-WELL 40.7% Tier 1
  • TEXAS-CLEAN 6.9% Texas
  • ROA-STRONG 2.73% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: First Southern Bank, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Cenlar FSB

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cenlar FSB · NJ · this bank81/100Enterprise Bank · NE · near81/100First Southern Bank · MS · n…81/100Northrim Bank · AK · near81/100TrustCo Bank · NY · near81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Cenlar FSB · July 2026

What Cenlar FSB's Call Report plate shows

Cenlar FSB (FDIC Cert #30996) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,869 of 4,307. Tier 1 capital prints at 40.75%, clearing the 10% well-capitalized line. The Texas Ratio is 6.92%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.73%. Balance-sheet scale is $899M, 1,141st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Southern Bank (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Cenlar FSB

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

Cenlar FSB's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Cenlar FSB remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How Cenlar FSB's 81/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10081/100
Cenlar FSB's composite health score
Tier 1 Capital Ratio (40.75%) 40/40
Return on Assets (ROA) (2.73%) 25/25
Texas Ratio (6.92%) 16/20
Efficiency Ratio (93.28%) 0/15

81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$899M

Total balance-sheet footings

Total Deposits

$567M

Customer-funded liabilities

Net Loans

$270M

Outstanding loan book

Net Income

$25M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 39.35% 40.75% 42.15%
Basel III capital ratios - Cenlar FSB

Where Cenlar FSB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cenlar FSB's score of 81/100 falls in the highlighted band.

Cenlar FSB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 43% higher than 57% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Cenlar FSB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Cenlar FSB's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Cenlar FSB's $899M falls in the highlighted band.

Safety ratios for Cenlar FSB

Tier 1 capital ratio
Well-capitalized 10%

40.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
40.75%
Texas Ratio
6.92%
Equity Capital
$155M

What these ratios mean →

Earnings posture at Cenlar FSB

Return on Assets (ROA)
97th percentile nationally
2.73%
Return on Equity (ROE)
17.27%
Efficiency Ratio
93.28%

What these mean →

Income & expense at Cenlar FSB

$22M
Interest Income
$460M
Non-Interest Income
$450M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Cenlar FSB reports a Texas Ratio of 6.92% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.92% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Cenlar FSB on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($899M here), outside New Jersey so the neighborhood is not state containment.

Legends Bank $899M · TN VISIONBANK OF IOWA $899M · IA Security Bank $898M · OK Pioneer Bank $897M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cenlar FSB (FDIC Cert #30996) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Cenlar FSB Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Valley National BankPassaic $64.1B B 0.99%
Provident BankJersey City $24.9B A 1.28%
OceanFirst Bank, National AssociationToms River $14.5B B 0.61%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%