Unverified listing What this means
The Lender Report built this page from public records. Cenlar FSB has not reviewed it. Every lender's page starts this way, and it says nothing about Cenlar FSB itself. Each figure shows its source and date. Work at Cenlar FSB? You can claim this page for free.
Savings institution, Ewing, NJ
Cenlar FSB
Cenlar FSB, a $782M savings institution in Ewing, NJ, reported no commercial loans as of June 30, 2026.
- Kind
- Savings institution
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Business loans on its books
- None reported
- FDIC call report,
- Holds, not loans made
- Total assets
- $782M
- FDIC call report,
- All loans held, any kind
- $202M
- FDIC call report,
- Not only business loans
- Offices
- 1
- FDIC office list,
- In 1 state
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-223-6527 From the lender's website, retrieved November 11, 2026. Source page
- Website
- www.cenlar.comFrom the FDIC record, November 9, 2026.
- Address
- 425 Phillips Blvd, Ewing, NJ 08618FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Balances only
Balances only. No public file shows individual loans this lender made, and its book has not moved in a way worth a line.
No public record of recent loans. That can mean no such loans or no duty to report.
Looking for a lender with commercial loans on record?
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Cenlar FSB reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $0 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $0. These are credit lines not yet used.
Where it lends
Offices beside loans on record
| State | Offices |
|---|---|
| New Jersey HQ | 1 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Cenlar FSB has 1 office in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 1 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Mercer County, NJ | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | How it is worked out | Source |
|---|---|---|---|
| Estimated largest single loan | $20.6M | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| Loans to deposits | 45.7% | Total loans divided by total deposits. | FDIC call report, |
| Loans to assets | 25.9% | Total loans divided by total assets. | FDIC call report, |
Peer ranges need three or more similar lenders that report the measure. There are too few here, so none is shown.
Measures that are zero only because this lender reports no business loans are left out.
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Cenlar FSB, FDIC certificate 30996. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $782M in total assets and no commercial loans held, from the call report for June 30, 2026.
- Loans made. No loans are on record under this name in the HMDA and SBA files. If that is wrong, report it with evidence.
- Phone and website. Phone 800-223-6527, from the lender's website on November 11, 2026. Website cenlar.com, from the FDIC record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 30996
- RSSD
- 934271
- LEI
- IU1P7O89MSP4K6Y6VK10
- The Lender Report ID
- lr_001877
- FDIC classifies this bank as
- Mortgage Lending Specialization
- Ownership
- Stock
- Head office metro area
- Trenton-Princeton, NJ
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $782M in total assets as of June 30, 2026 (FDIC call report).
- Listed 1 office in 1 state (FDIC).
Cite this
Source: The Lender Report, Cenlar FSB, https://lender.report/lender/cenlar-nj/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
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Work at Cenlar FSB? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem