Total Assets
$899M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$567M
Customer-funded liabilities
Net Loans
$270M
Outstanding loan book
Net Income
$25M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.73%
Return on Equity (ROE)
17.27%
Efficiency Ratio
93.28%
What the numbers say about Cenlar FSB
Cenlar FSB is an FDIC-insured institution (Certificate #30996) headquartered in Ewing, New Jersey, established in 1912. It holds $899M in total assets - 1,141st of 4,313 FDIC-insured banks, $567M in customer deposits, and $270M in net loans. Looking at capital strength, Tier 1 stands at 40.75%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.92%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (81/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New Jersey, Cenlar FSB ranks 28th of 51 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in New Jersey by total assets
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.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Cenlar FSB's health grade?▼
Cenlar FSB receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Cenlar FSB?▼
Cenlar FSB holds $899M in total assets and $567M in deposits, ranking 1,141st of 4,313 FDIC-insured banks by asset size. It is headquartered in Ewing, New Jersey.
Is my money safe at Cenlar FSB?▼
Yes, deposits at Cenlar FSB (Certificate #30996) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Cenlar FSB's Tier 1 Capital Ratio?▼
Cenlar FSB has a Tier 1 Capital Ratio of 40.75%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Cenlar FSB?▼
Cenlar FSB has a Texas Ratio of 6.92%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Cenlar FSB?▼
Cenlar FSB has an Efficiency Ratio of 93.28%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Cenlar FSB's profile as a depositor or analyst.
- Cenlar FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Cenlar FSB against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.