Cenlar FSB
Ewing, New Jersey · FDIC Cert #30996
Cenlar FSB is an FDIC-insured bank (Certificate #30996) with $991M in total assets and $611M in total deposits as of the Q2 2024 Call Report. Headquartered in Ewing, New Jersey, the bank maintains a Tier 1 capital ratio of 36.63% (Well-Capitalized) and a nonperforming loan ratio of 2.96%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Cenlar FSB (FDIC cert 30996) is a community bank — $991M in total assets, $611M in deposits, serving the Ewing, New Jersey area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 36.63% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.96% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 61.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is negative: ROA of -1.15% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Cenlar FSB carries a composite BankHealth grade of B (72/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Cenlar FSB
- Total Assets
- $991M
- Total Deposits
- $611M
- Tier 1 Capital Ratio
- 36.63%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.96%
- Liquidity Ratio
- 61.28%
- Return on Assets
- -1.15%
- Headquarters
- Ewing, New Jersey
- FDIC Certificate
- #30996
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Cenlar FSB holds a Tier 1 capital ratio of 36.63%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Cenlar FSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Cenlar FSB shows strong financial health indicators. With $991M in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Cenlar FSB Compares
Cenlar FSB’s Health Score of 72 is 0 points above the New Jersey state average of 72 across 48 FDIC-insured banks. Its 36.63% Tier 1 capital ratio is 22.6 points above the US banking industry average near 14%. The 2.96% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -1.15% is below the national ROA benchmark of ~1.1%. Among 1044 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Cenlar FSB is 2 points above the portfolio average of 70.
Frequently Asked Questions
Cenlar FSB has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 36.63%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Cenlar FSB's Tier 1 capital ratio of 36.63% and nonperforming loan ratio of 2.96% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Cenlar FSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30996). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Cenlar FSB holds $991M in total assets and $611M in total deposits. It is headquartered in Ewing, New Jersey (FDIC Certificate #30996).
Cenlar FSB has a Tier 1 capital ratio of 36.63%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.96%, and the return on assets is -1.15%.
Yes. Cenlar FSB is FDIC-insured (Certificate #30996). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Cenlar FSB's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.