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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Cenlar FSB

Ewing, New Jersey · $782M in assets · beside the 11 other New Jersey banks between $300M and $1B

The filing

45.7%
Loans / deposits
1st of 12
0.0%
CRE / loans
1st of 12
-1.26%
ROA
12th of 12

Cenlar FSB is the seventh largest of the 12 New Jersey banks nearest its size between $300M and $1B, with $782M in assets at 30 June 2026. Loans are 45.7% of deposits, the lowest in the cohort against a median of 87.5%, and equity is 17.8% of assets, 3rd of 12. Loans grew -12.2% in the year, the slowest in the cohort, and deposits fell 6.3%; the cohort's median loan growth is +1.5%.

Noncurrent loans are 0.21% of the book, 6th of 12 against a median of 0.23%; 0.34% is 30 to 89 days past due, and the allowance covers them 0.0 times. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 35.8%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is -1.26%, the lowest in the cohort against a median of 0.60%, on an efficiency ratio of 104.2%, 10th of 12. Five years ago it was 1.35%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 35.8% CF Cenlar FSB 0.0% CS Crest Savings Bank 17.8% HS Haddon Savings Bank 25.9% BS Bogota Savings Bank 27.7% NM New Millennium Bank 29.7% CS Century Savings Bank 34.2% NN Newfield National Bank 37.5% FH First Hope Bank A National Bank Association 38.0% HS Haven Savings Bank 47.4% CB Crown Bank 61.1% HB Hana Bank USA National Association 62.0% FB Freedom Bank 68.2%
Loans, year over yearNJ banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +1.5% HS Haddon Savings Bank +11.2% HB Hana Bank USA National Association +9.6% FB Freedom Bank +8.2% FH First Hope Bank A National Bank Association +6.0% CS Century Savings Bank +4.1% NN Newfield National Bank +2.5% CB Crown Bank +0.5% CS Crest Savings Bank -1.3% NM New Millennium Bank -5.2% HS Haven Savings Bank -6.0% BS Bogota Savings Bank -8.0% CF Cenlar FSB -12.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Cenlar FSBRankCohort median
Total CRE against capital, the 300% screen0%1st of 12171%
Construction against capital, the 100% screen0%1st of 1222%
Construction and land development, share of loans0.0%1st of 123.7%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 1222.6%
Total CRE, the guidance definition, share of loans0.0%1st of 1235.8%
CRE growth over 36 months, the third prongno record+23.4%
Commercial real estate against capital, the 300% screenNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 171% CF Cenlar FSB 0% CS Century Savings Bank 131% BS Bogota Savings Bank 132% HB Hana Bank USA National Association 145% CS Crest Savings Bank 149% NM New Millennium Bank 168% NN Newfield National Bank 174% HS Haddon Savings Bank 192% CB Crown Bank 197% FH First Hope Bank A National Bank Association 229% HS Haven Savings Bank 398% FB Freedom Bank 575%
CRE growth over 36 months, the guidance's third prongNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +23.4% BS Bogota Savings Bank -5.4% HS Haven Savings Bank -2.7% CS Crest Savings Bank +3.1% CB Crown Bank +14.7% FH First Hope Bank A National Bank Association +20.1% NN Newfield National Bank +23.4% CS Century Savings Bank +27.8% NM New Millennium Bank +38.6% FB Freedom Bank +39.8% HB Hana Bank USA National Association +127.9% HS Haddon Savings Bank +258.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Haven Savings Bank$987M-0.4%116.0%0.40%0.04%0.8%90.8%8.8%
New Millennium Bank$899M1.3%49.5%0.58%-0.06%1.4%102.8%14.6%
Newfield National Bank$889M0.7%73.5%0.02%0.00%1.3%59.1%7.7%
Bogota Savings Bank$872M0.3%82.2%4.30%0.00%0.4%110.8%15.2%
Freedom Bank$838M0.9%63.1%0.28%0.00%0.6%103.6%9.9%
Hana Bank USA National Association$835M2.8%55.5%0.00%-0.04%0.8%87.5%26.9%
Cenlar FSB$782M-1.3%104.2%0.21%0.00%0.0%45.7%17.8%
First Hope Bank A National Bank Association$657M0.8%78.3%0.00%0.02%1.3%75.5%9.4%
Century Savings Bank$635M0.5%53.3%0.00%-0.01%1.5%68.8%10.1%
Crown Bank$614M2.3%44.9%5.77%0.00%0.9%122.4%26.7%
Crest Savings Bank$594M0.4%81.0%0.01%0.00%0.7%87.5%8.6%
Haddon Savings Bank$421M-0.1%106.8%0.24%-0.02%0.5%75.9%5.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Cenlar FSBCohort median
20212026Change20212026Change
Loans$357M$202M-43%$410M$489M+19%
Deposits$745M$443M-41%$517M$582M+12%
NPA / loans4.53%0.21%-4.31 pts0.34%0.23%-0.11 pts
Efficiency97.3%104.2%+6.8 pts75.8%75.9%+0.1 pts
ROA1.35%-1.26%-2.60 pts0.55%0.60%+0.05 pts

This read was prepared for Cenlar FSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Cenlar FSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NJ banks $300M to $1B
Institution www.cenlar.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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