Amboy Bank
Amboy Bank reported total assets of $3.1 bn at Q2 2026, up 14.8% on a year earlier, the 406th largest of 497 banks in our US coverage. The CET1 capital ratio at Amboy Bank was 14.75%, and the uninsured share of Amboy Bank was 53.18%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Amboy Bank climbed from 248th to 106th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Amboy Bank reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: -0.12% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- At 2.60%, the return on assets (ROA) of Amboy Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 1.32% (FDIC Call Reports).
What sets Amboy Bank apart
- Few banks of $1 bn to $10 bn report a higher return on equity (ROE) than Amboy Bank, at 21.96% in against a group median of 12.68%.
- Amboy Bank reports one of the lowest efficiency ratio readings among banks of $1 bn to $10 bn: 34.23% at , where the median of the 339 banks is 56.87%.
How large is Amboy Bank?
The balance sheet of Amboy Bank at : assets $3.1 bn, deposits $2.7 bn, net loans $2.0 bn (loans equal to 72.76% of deposits). Securities make up 18.6% of total assets at Amboy Bank. Since , when Amboy Bank held $2.3 bn, its assets grew 36.5%. In the year to , deposits at Amboy Bank rose 17.2% while its total assets rose 14.8%. At , Amboy Bank employed 225 full-time equivalent staff across 23 offices, about $13.9 mn of assets per employee and $118.0 mn of deposits per office.
How much funding at Amboy Bank is uninsured?
At Amboy Bank, uninsured deposits (above the FDIC limit) made up 53.18% of domestic deposits at (+7.99 pp on a year earlier); Amboy Bank ranks 61st of 500 on this measure. In dollars, Amboy Bank estimated $1.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.7 bn | +17.2% | 386th of 499 |
| Net loans and leases | $2.0 bn | +4.7% | 445th of 500 |
| Loan-to-deposit ratio | 72.76% | -8.66 pp | 403rd of 500 |
| Tier 1 leverage ratio | 12.19% | -0.61 pp | 89th of 500 |
| Total risk-based capital ratio | 16.00% | -0.41 pp | 120th of 448 |
| Net interest margin | 3.52% | -0.13 pp | 292nd of 500 |
| Return on assets (ROA) | 2.60% | +0.14 pp | 22nd of 500 |
| Efficiency ratio | 34.23% | -4.45 pp | 34th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $1.1 mn | Narrowed by $1.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $2.9 mn | Narrowed by $1.2 mn | |
| Noncurrent loans to total loans | 0.30% | -0.23 pp | 106th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.12% | -0.09 pp | 5th of 500 (1 = lowest) |
US rank of Amboy Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Amboy Bank: assets, deposits and loans
- Total assets $3.1bn
- Deposits $2.7bn
- Net loans $2.0bn
Capital and securities
The CET1 ratio of Amboy Bank stood at 14.75% in , -0.42 pp year on year. Low and high at Amboy Bank since : 12.11% () to 18.91% (). Equity capital of Amboy Bank at : $361.7 mn, or 11.6% of total assets. Amboy Bank also reported a total capital ratio of 16.00% for , and a tier 1 leverage ratio of 12.19%.
On held-to-maturity securities, Amboy Bank carried an unrealized loss of $1.1 mn at , equal to 0.3% of equity capital. The loss narrowed by $1.4 mn over the year. Its deepest point: $9.9 mn in . The available-for-sale portfolio of Amboy Bank showed an unrealized loss of $2.9 mn at ; the loss narrowed by $1.2 mn over the year.
Amboy Bank: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 12%
Amboy Bank: unrealized securities gains and losses
- Available for sale -$3mn
- Held to maturity -$1mn
Profitability and loan quality
For the year to , Amboy Bank earned a return on equity of 21.96%; return on assets: 2.60%. Net interest margin at Amboy Bank: 3.52%, -0.13 pp in a year. Amboy Bank net income: $38.2 mn, up 12.8% year on year. The efficiency ratio of Amboy Bank was 34.23%: about 34 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.30% of total loans at Amboy Bank; net charge-offs: -0.12% of average loans. Gross loans and leases at Amboy Bank: $2.0 bn, up 4.8% in a year.
Amboy Bank: profitability
- Return on equity 22%
- Net interest margin 3.5%
- Return on assets 2.6%
Peer group of Amboy Bank
The peer group of Amboy Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Amboy Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in New Jersey. Against them, Amboy Bank shows CET1 ratio 14.75% against a peer median of 14.02%, return on equity 21.96% against a peer median of 9.05% and uninsured deposit share 53.18% against a peer median of 30.42%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Farmers Bank & Trust Company | State member bank | AR | $3.2 bn | not reported | 15.94% | 29.39% | |
| Centreville Bank | State-chartered stock savings bank | RI | $3.2 bn | not reported | 9.50% | 17.59% | |
| Citizens & Northern Bank | State member bank | PA | $3.1 bn | 12.85% | 8.61% | 31.42% | |
| Amboy Bank | State member bank | NJ | $3.1 bn | 14.75% | 21.96% | 53.18% | |
| BCB Community Bank | State nonmember bank | NJ | $3.1 bn | not reported | -4.67% | 44.78% | |
| UniBank for Savings | State nonmember bank | MA | $3.1 bn | 14.02% | 13.54% | 29.42% | |
| Penn Community Bank | State-chartered stock savings bank | PA | $3.1 bn | 16.17% | 5.31% | 32.62% | |
. FDIC Call Reports.
Last eight quarters
Two years at Amboy Bank, to : assets +14.1%, deposits +21.8%, equity -4.2%. Staff 236 to 225.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.7 bn | $2.7 bn | $2.8 bn | $2.7 bn | $2.9 bn | $2.8 bn | $2.9 bn | $3.1 bn |
| Total deposits | $2.2 bn | $2.3 bn | $2.4 bn | $2.3 bn | $2.5 bn | $2.4 bn | $2.5 bn | $2.7 bn |
| Bank equity capital | $377.6 mn | $313.9 mn | $326.3 mn | $347.3 mn | $341.2 mn | $335.0 mn | $345.8 mn | $361.7 mn |
| CET1 ratio | 16.58% | 13.72% | 14.46% | 15.17% | 14.49% | 14.14% | 14.39% | 14.75% |
| Return on equity (ROE) | 19.83% | 18.69% | 15.23% | 20.56% | 22.66% | 21.66% | 14.92% | 21.96% |
| Uninsured share of domestic deposits | 44.11% | 44.85% | 46.62% | 45.18% | 48.96% | 47.26% | 48.45% | 53.18% |
| Full-time equivalent employees | 236 | 246 | 226 | 239 | 242 | 237 | 230 | 225 |
| Number of offices | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 23 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Amboy Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Amboy Bank?
Amboy Bank reported $3.1 bn at in its Call Report. That makes Amboy Bank the 406th largest of 497 banks in our US coverage.
Is Amboy Bank the same as its holding company?
No. This page covers Amboy Bank, FDIC certificate 6423; AMBOY BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Amboy Bank profitable?
Amboy Bank reported net income of $38.2 mn for the year to ; annualized return on equity: 21.96%. So yes: Amboy Bank made a profit over these months.
When is data for Amboy Bank next updated?
Figures from Amboy Bank for are due after .
Where can I check the figures for Amboy Bank?
In the FDIC BankFind Suite record for certificate 6423, and in the Call Reports of Amboy Bank (RSSD ID 9807) at the FFIEC Central Data Repository.