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Ambler Savings Bank

Ambler, PA · Cert 28701 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 6 branches

Q2 2026

$502.3MAssets
$353.1MLoans
$424.6MDeposits
$62.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 16 of 27).
  • Widest gap: net interest margin trails 74% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 23 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.65%

Rank 23 of 31

Net Interest Margin

2.75%

Rank 23 of 31

Efficiency Ratio

78.02%

Rank 21 of 31

Equity / Assets

12.36%

Rank 16 of 31

Non-interest income vs. expense

$2.6M$13.1MINCOMEEXPENSE
Unfavorable gap of $10.5M · efficiency ratio beats 35% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 78.02%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.65%0.63%0.93%2.39%Beats 26%23 / 31
Return on Equity5.22%4.15%7.07%14.29%Beats 35%20 / 31
Net Interest Margin2.75%2.72%3.26%3.84%Beats 26%23 / 31
Efficiency Ratio78.02%49.04%63.83%80.34%Beats 35%21 / 31
Asset Quality
Nonperforming Loans / Loans0.31%0.00%0.24%1.22%Beats 48%15 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio21.35%13.01%19.43%42.39%Beats 52%15 / 31
Total Risk-Based Capital Ratio22.16%13.95%20.55%43.38%Beats 52%15 / 31
Equity / Assets12.36%9.21%12.36%21.28%Beats 48%16 / 31
Liquidity & Funding
Loans / Deposits83.15%52.41%83.15%99.86%48th pctl16 / 31
Loans / Assets70.29%37.80%67.87%79.23%52nd pctl15 / 31
Brokered Deposits / Depositsn/aNot reported for this institution