Cenlar FSB is a savings bank headquartered in Ewing, New Jersey, in business for about 114 years. At the end of Q2 2026 it reported $782.0M in total assets and $442.8M in deposits, with 1 office.
Cenlar FSB has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 17th. Capital cushion contributes the most (100/100, 16.56%); earnings contributes the least (0/100, -1.23%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (66 → 71), mostly because the earnings component weakened by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 60 |
| Q4 2024 | 53 |
| Q1 2025 | 63 |
| Q2 2025 | 66 |
| Q3 2025 | 66 |
| Q4 2025 | 66 |
| Q1 2026 | 46 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.33% |
| Q3 2024 | 13.38% |
| Q4 2024 | 12.03% |
| Q1 2025 | 13.95% |
| Q2 2025 | 15.50% |
| Q3 2025 | 16.24% |
| Q4 2025 | 16.85% |
| Q1 2026 | 17.85% |
| Q2 2026 | 16.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.96% |
| Q3 2024 | 2.52% |
| Q4 2024 | 2.97% |
| Q1 2025 | 3.28% |
| Q2 2025 | 3.80% |
| Q3 2025 | 3.14% |
| Q4 2025 | 3.98% |
| Q1 2026 | 5.27% |
| Q2 2026 | 0.21% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.23% |
| Q4 2024 | 1.48% |
| Q1 2025 | 2.69% |
| Q2 2025 | 2.49% |
| Q3 2025 | 2.29% |
| Q4 2025 | 2.73% |
| Q1 2026 | -0.44% |
| Q2 2026 | -1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $782.0M | 16.56% | 0.21% | -1.23% | 45.7% |
| Q1 2026 | 46 | $864.5M | 17.85% | 5.27% | -0.44% | 51.3% |
| Q4 2025 | 66 | $899.2M | 16.85% | 3.98% | 2.73% | 47.7% |
| Q3 2025 | 66 | $891.0M | 16.24% | 3.14% | 2.29% | 52.0% |
| Q2 2025 | 66 | $876.2M | 15.50% | 3.80% | 2.49% | 48.6% |
| Q1 2025 | 63 | $909.2M | 13.95% | 3.28% | 2.69% | 45.7% |
| Q4 2024 | 53 | $942.4M | 12.03% | 2.97% | 1.48% | 40.1% |
| Q3 2024 | 60 | $947.8M | 13.38% | 2.52% | 1.23% | 44.0% |
| Q2 2024 | 57 | $990.9M | 11.33% | 2.96% | 1.24% | 42.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hana Bank USA, National AssociationBank Fort Lee, NJ | 88 out of 100, Very strong | $835.2M | 25.4% | 0.00% | vs |
| Freedom BankBank Maywood, NJ | 63 out of 100, Moderate | $838.3M | 9.8% | 0.28% | vs |
| Bogota Savings BankBank Teaneck, NJ | 50 out of 100, Below average | $871.8M | 15.5% | 4.30% | vs |
| Newfield National BankBank Newfield, NJ | 72 out of 100, Strong | $889.1M | 10.1% | 0.02% | vs |
| New Millennium BankBank Fort Lee, NJ | 79 out of 100, Strong | $899.1M | 14.6% | 0.58% | vs |
| First Hope Bank, A National Banking AssociationBank Hope, NJ | 70 out of 100, Strong | $656.7M | 10.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Cenlar FSB?
Yes. Cenlar FSB is an FDIC-insured institution (FDIC certificate #30996). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 90.6% of deposits ($401.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 44.07% (benchmark: 10%).
1 location
Branches
Cenlar FSB lists 1 office in 1 city. Most locations:
- Ewing, NJ (1)
Identity & history
Profile
- Legal name
- Cenlar FSB
- Former names
- Centennial Savings and Loan Association; Cenlar Federal Savings Bank
- Type
- Savings bank
- FDIC certificate #
- 30996
- RSSD ID
- 934271
- Primary regulator
- OCC
- Holding company
- Employees Stk Ownership Plan Cenlar Capital
- Established
- January 1, 1912
- Headquarters
- 425 Phillips Blvd, Ewing, NJ 08618
- Website
- www.cenlar.com
- Employees
- 1,578
Quick answers
Cenlar FSB: common questions
Is Cenlar FSB FDIC insured?
Yes. Cenlar FSB is an FDIC-insured institution (FDIC certificate #30996). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cenlar FSB's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cenlar FSB ever failed?
There is no failure record for FDIC certificate #30996 in the FDIC failed bank list.
How many branches does Cenlar FSB have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ewing
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA | 100 out of 100, Very strong | $4.1M | 15.4% | 0.00% | vs |
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ | 93 out of 100, Very strong | $63.9M | 19.6% | 0.31% | vs |
| Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ | 91 out of 100, Very strong | $52.3M | 14.4% | 0.48% | vs |
| Pinn Memorial Federal Credit UnionCredit union Philadelphia, PA | 91 out of 100, Very strong | $276K | 18.1% | 0.00% | vs |
| Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ | 89 out of 100, Very strong | $2.6M | 49.9% | 0.00% | vs |