PackageTrendsPeer
Letter portraitLegal landscape

Amboy Bank

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

$3.1BAssets
$2.0BLoans
$2.7BDeposits
$361.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 1 of 35).
  • Widest gap: tier 1 capital ratio trails 53% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 19 of 36).
  • Overall: at or above the peer median on 8 of 9 directional measures.

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

Non-interest income vs. expense

$19.7M$39.6MINCOMEEXPENSE
Unfavorable gap of $19.9M · efficiency ratio beats 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 34.23%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.92%0.65%1.00%1.72%Beats 86%5 / 36
Return on Equity16.56%5.35%9.30%13.56%Beats 89%4 / 35
Net Interest Margin3.21%2.66%3.13%3.63%Beats 56%16 / 36
Efficiency Ratio34.23%52.19%63.09%75.14%Beats 100%1 / 35
Asset Quality
Nonperforming Loans / Loans0.30%0.46%0.84%1.59%Beats 78%9 / 36
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 69%12 / 36
Capital
Tier 1 Capital Ratio14.75%13.13%14.78%18.34%Beats 47%19 / 36
Total Risk-Based Capital Ratio16.00%13.73%15.96%19.27%Beats 56%16 / 36
Equity / Assets11.58%9.80%11.58%14.82%Beats 50%18 / 36
Liquidity & Funding
Loans / Deposits73.99%81.12%95.13%103.24%19th pctl29 / 36
Loans / Assets64.31%67.44%76.31%84.79%19th pctl29 / 36
Brokered Deposits / Depositsn/aNot reported for this institution