Old Bridge, NJ · Cert 6423 · Amboy Bcorp
State charter, Fed member · FED · 23 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
74
Profitability
77
Liquidity
69
Efficiency
100
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Old Bridge, NJ · Cert 6423 · Amboy Bcorp
State charter, Fed member · FED · 23 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #50 of 151 inst. · $2.7B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.07% | 1.90% | 1.39% | 1.94% | 2.12% | 2.04% | 1.40% | 2.04% | +11 bps | |
| Return on Equity | 15.63% | 14.77% | 11.99% | 16.16% | 17.81% | 17.09% | 11.72% | 17.24% | +108 bps | |
| Net Interest Margin | 3.32% | 3.20% | 3.28% | 3.39% | 3.33% | 3.30% | 3.26% | 3.21% | -17 bps | |
| Efficiency Ratio | 37.52% | 39.22% | 48.07% | 38.68% | 35.74% | 39.29% | 44.15% | 34.23% | -445 bps | |
| Non-Interest Burden | 0.75% | 0.87% | 1.56% | 0.92% | 0.69% | 0.78% | 1.50% | 0.67% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.07% | 3.82% | 5.50% | 4.90% | 5.67% | 2.64% | 3.03% | 14.81% | +990 bps | |
| Loan Growth (YoY) | 9.28% | 10.26% | 6.40% | 4.56% | 4.29% | 0.36% | 4.59% | 4.76% | +19 bps | |
| Deposit Growth (YoY) | -0.96% | 5.03% | 9.45% | 8.22% | 11.00% | 4.45% | 2.66% | 17.16% | +894 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 2.60% | 0.30% | 0.53% | 0.34% | 0.52% | 0.51% | 0.30% | -23 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.05% | -0.03% | -0.03% | -0.04% | -0.04% | -0.22% | -0.12% | -9 bps | |
| Allowance / Loans | 1.57% | 1.58% | 1.61% | 1.60% | 1.58% | 1.66% | 1.67% | 1.66% | +6 bps | |
| Allowance Coverage of NPLs | 5.4x | 0.6x | 5.3x | 3.0x | 4.7x | 3.2x | 3.3x | 5.6x | +2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.96% | 11.51% | 11.69% | 12.80% | 12.06% | 11.57% | 12.12% | 12.19% | -61 bps | |
| Total Risk-Based Capital | 17.83% | 14.97% | 15.71% | 16.42% | 15.74% | 15.39% | 15.64% | 16.00% | -41 bps | |
| Equity / Assets | 13.80% | 11.46% | 11.71% | 12.77% | 11.80% | 11.91% | 12.04% | 11.58% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.99% | 83.54% | 79.02% | 82.75% | 78.91% | 80.27% | 80.50% | 73.99% | -876 bps | |
| Liquid Assets / Assets | 13.99% | 13.50% | 16.05% | 12.21% | 14.07% | 10.97% | 10.59% | 15.23% | +302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 482% | 489% | 491% | n/a | n/a | |
Old Bridge, NJ · Cert 6423 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Amboy Bcorp
State charter, Fed member · FED · 23 branches
Q2 2026
Return on Assets
1.92%
Rank 5 of 36
Net Interest Margin
3.21%
Rank 16 of 36
Efficiency Ratio
34.23%
Rank 1 of 35
Equity / Assets
11.58%
Rank 18 of 36
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.92% | 0.65% | 1.00% | 1.72% | Beats 86% | 5 / 36 | ||
| Return on Equity | 16.56% | 5.35% | 9.30% | 13.56% | Beats 89% | 4 / 35 | ||
| Net Interest Margin | 3.21% | 2.66% | 3.13% | 3.63% | Beats 56% | 16 / 36 | ||
| Efficiency Ratio | 34.23% | 52.19% | 63.09% | 75.14% | Beats 100% | 1 / 35 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.46% | 0.84% | 1.59% | Beats 78% | 9 / 36 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.03% | 0.14% | Beats 69% | 12 / 36 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.75% | 13.13% | 14.78% | 18.34% | Beats 47% | 19 / 36 | ||
| Total Risk-Based Capital Ratio | 16.00% | 13.73% | 15.96% | 19.27% | Beats 56% | 16 / 36 | ||
| Equity / Assets | 11.58% | 9.80% | 11.58% | 14.82% | Beats 50% | 18 / 36 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.99% | 81.12% | 95.13% | 103.24% | 19th pctl | 29 / 36 | ||
| Loans / Assets | 64.31% | 67.44% | 76.31% | 84.79% | 19th pctl | 29 / 36 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||