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Ambler Savings Bank

Ambler, PA · Cert 28701

SI · FDIC · 6 branches

Q2 2026

$502.3MAssets
$353.1MLoans
$424.6MDeposits
$62.1MEquity
Loan mix
99%RE $337.3M1%C&I $3.2M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $339.8M20%Noninterest $84.8MQ3 2024Q2 2026

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #42 of 88 inst. · $0.4B of $685.1B

0.9% Montgomery
0.3% Berks

Executive Summary

  • Earnings: ROA of 0.63%, up 30 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.31% of loans (+26 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.29%, up 26 bps from a year ago.
  • Funding: loans stand at 83.15% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.63%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+33 bps YoY

Efficiency Ratio (YTD, annualized)

77.91%-679 bps YoY

Tier 1 Leverage Ratio

14.29%+26 bps YoY

NIM

4.22%Q2 ’244.28%Q2 ’254.38%Q2 ’26+6%+14%

Non-interest income vs. expense

2.05%Q2 ’242.19%Q2 ’252.54%Q2 ’26+7%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.33%0.30%0.34%0.39%0.40%0.60%0.63%+30 bps
Return on Equity3.19%3.05%2.66%3.03%3.50%3.59%5.10%5.30%+227 bps
Net Interest Margin2.22%2.22%2.36%2.42%2.39%2.38%2.63%2.75%+33 bps
Efficiency Ratio84.26%84.78%86.20%84.70%83.41%82.92%79.68%77.91%-679 bps
Non-Interest Burden1.85%1.86%2.01%2.02%1.97%1.95%1.95%2.03%+1 bps
Growth
Asset Growth (YoY)1.98%0.37%1.16%1.58%3.38%3.69%2.62%-0.58%-216 bps
Loan Growth (YoY)3.20%3.81%4.70%3.64%5.25%4.58%2.10%3.94%+30 bps
Deposit Growth (YoY)0.64%0.70%-2.54%-0.43%3.87%3.25%6.57%2.13%+256 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.46%0.38%0.05%0.04%0.20%0.37%0.31%+26 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.85%0.84%0.83%0.82%0.81%0.80%0.82%0.79%-3 bps
Allowance Coverage of NPLs1.1x1.8x2.2x16.4x19.6x4.0x2.2x2.6x-13.8x
Capital
Tier 1 Leverage Ratio13.54%13.54%14.09%14.04%13.61%13.40%14.03%14.29%+26 bps
Total Risk-Based Capital23.34%22.77%22.82%22.57%22.75%22.31%22.72%22.16%-41 bps
Equity / Assets10.91%11.05%11.22%11.17%10.85%11.75%11.74%12.36%+119 bps
Liquidity & Funding
Loans / Deposits71.93%78.33%80.81%81.70%72.88%79.34%77.42%83.15%+145 bps
Liquid Assets / Assets6.90%5.62%6.37%5.76%8.55%8.06%9.35%4.36%-140 bps
CRE / Total Capitaln/an/an/an/a169.84%175.35%170.80%n/an/a