Cenlar FSB


425 Phillips Boulevard
Trenton, NJ 08618
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Cenlar FSB is an FDIC insured institution located in Trenton, NJ. It was founded in 1912 and has approximately $1.23 billion in assets.

FDIC Insured Yes
FDIC Certificate # 30996
Date Established 1912
Assets $ 1,232.52 million
Loans $ 421.94 million
Deposits $ 976.54 million
Capital $ 111.05 million

For a more detailed analysis of Cenlar FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 24, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - June 24, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Cenlar FSB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
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CIT Bank
NMLS ID: 541760
2.997% 2.950%
0.63 points
$1,508 fees
$1,048 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
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Note to Cenlar FSB
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Financial Details

Cenlar FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cenlar FSB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cenlar FSB U.S. Bank Average
15.76% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, Cenlar FSB had $17,667,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $111,052,000 in equity and $1,061,000 in loans loss reserves. That gives it a Texas Ratio of 15.76%.

Return on Equity
Cenlar FSB U.S. Bank Average
28.96% 9.24%

Cenlar FSB has a Return on Equity of 28.96% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Cenlar FSB U.S. Bank Average
9.01% 11.96%

Cenlar FSB has a Capitalization of 9.01% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cenlar FSB Balance Sheet Analysis

As of December 31, 2020, Cenlar FSB had assets of $1,232,519,000, loans of $421,936,000, and deposits of $976,540,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions $ 25.21 million
Interest-bearing balances $ 24.54 million
Total securities $ 539.72 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 421.94 million
Loan loss allowance $ 1.06 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.90 million
All other assets $ 207.08 million
     Total Assets $ 1,121.47 million
Total deposits $ 976.54 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices $ 976.54 million
      % insured (estimated) 88.19%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 144.93 million
      Total Liabilities $ 1,121.47 million
      Shareholders’ Equity $ 111.05 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 24.86 million
Total Interest Expense $ 0.00 million
Net interest income $ 24.86 million
Provision for loan and lease losses $ 0.20 million
Total non interest income $ 517.05 million
Total non interest expense $ 510.13 million
Pre-tax Net Operating Income $ 31.57 million

Bank Loan Profile?

The top three loan types in Cenlar FSB’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks in New Jersey, Cenlar FSB has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 100.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Cenlar Fsb

Branches and Savings

Is Cenlar Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #30996.

Why does Cenlar Fsb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cenlar Fsb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cenlar Fsb a commercial bank?


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Does Cenlar Fsb offer mortgages?

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Does Cenlar Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cenlar Fsb offer personal loans?

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Background on The Bank

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