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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.15% | 1.39% | 1.39% | 2.47% | 2.53% | 1.73% | 1.40% | 2.67% | +20 bps | |
| Return on Equity | 15.65% | 10.99% | 11.99% | 20.21% | 20.65% | 14.60% | 11.72% | 22.60% | +239 bps | |
| Net Interest Margin | 3.44% | 3.08% | 3.28% | 3.40% | 3.46% | 3.38% | 3.26% | 3.30% | -10 bps | |
| Efficiency Ratio | 38.35% | 45.40% | 48.07% | 31.74% | 30.77% | 48.88% | 44.15% | 27.88% | -385 bps | |
| Non-Interest Burden | 0.77% | 1.28% | 1.56% | 0.24% | 0.28% | 1.08% | 1.50% | -0.11% | -35 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% | -0.09% | -0.03% | -0.03% | -0.05% | -0.03% | -0.22% | -0.03% | +1 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 | |