$2.87B
+3.0%y/y
Percentile by value97th percentileby value
FDIC
ASSETAB
Amboy Bank
Old Bridge, New JerseyFDIC Cert #6423
STATEEstablished 188823 branches
Holding company: AMBOY BCORPRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportAmboy Bank reported $2.87B in total assets. Deposits grew 2.66% over the prior year.
Return on assets was 1.79%, compared with an asset-peer median of 1.16%. The leverage ratio was 12.12%.
- Why is Total Assets above asset peers?
- Why is CRE Concentration to Capital above asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$2.47B
+2.7%y/y
Percentile by value97th percentileby value
FDIC
DEP$1.96B
+4.5%y/y
Percentile by value92nd percentileby value
FDIC
LNLSNET1.79%
+2 bpsy/y
Peer standing83rd percentile
FDIC
NETINC + ROA44.15%
−391 bpsy/y
Peer standing90th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.12%
+43 bpsy/y
Peer standing77th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $2.62B | $2.2B |
| Q3 2021 | $2.73B | $2.3B |
| Q4 2021 | $2.89B | $2.54B |
| Q1 2022 | $2.83B | $2.48B |
| Q2 2022 | $2.81B | $2.47B |
| Q3 2022 | $2.75B | $2.39B |
| Q4 2022 | $2.68B | $2.34B |
| Q1 2023 | $2.63B | $2.2B |
| Q2 2023 | $2.57B | $2.17B |
| Q3 2023 | $2.68B | $2.25B |
| Q4 2023 | $2.64B | $2.2B |
| Q1 2024 | $2.64B | $2.2B |
| Q2 2024 | $2.59B | $2.14B |
| Q3 2024 | $2.74B | $2.23B |
| Q4 2024 | $2.74B | $2.31B |
| Q1 2025 | $2.79B | $2.41B |
| Q2 2025 | $2.72B | $2.32B |
| Q3 2025 | $2.89B | $2.47B |
| Q4 2025 | $2.81B | $2.41B |
| Q1 2026 | $2.87B | $2.47B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $159M |
| Investor CRE | $476M |
| Multifamily | $746M |
| Construction | $327M |
| 1–4 family | $249M |
| C&I | $33.3M |
| Agriculture | $0 |
| Other |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.79%83rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE14.92%75th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.55%43rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR44.15%90th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+2.66%36th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+4.52%42nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.51%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ12.12%77th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.14%79th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC410%97th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.79%90th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.45%Median 0.67%90th 1.80%Observations 50
ROE
FDIC
NETINC + ROE14.92%94th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −2.28%Median 6.77%90th 14.19%Observations 50
NIM
FDIC
NIM + NIMY3.55%76th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.19%Median 3.15%90th 4.11%Observations 50
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR44.15%94th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.22%Median 70.75%90th 107.11%Observations 50
Deposits YoY
FDIC
DEP+2.66%51st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.28%Median +2.65%90th +10.75%Observations 48
Loans YoY
FDIC
LNLSNET+4.52%57th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.40%Median +4.03%90th +17.03%Observations 48
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.51%40th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.44%90th 1.35%Observations 49
Leverage
FDIC
RBC1AAJ12.12%63rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.60%Median 10.50%90th 16.09%Observations 50
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.14%73rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.19%Median 2.97%90th 3.82%Observations 49
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC410%81st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 15%Median 254%90th 435%Observations 38
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.79%80th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.96%Median 0.96%90th 2.08%Observations 11
ROE
FDIC
NETINC + ROE14.92%80th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −6.24%Median 9.69%90th 29.93%Observations 11
NIM
FDIC
NIM + NIMY3.55%70th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.85%Median 3.03%90th 3.76%Observations 11
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR44.15%80th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 30.83%Median 64.81%90th 132.33%Observations 11
Deposits YoY
FDIC
DEP+2.66%60th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.20%Median +2.48%90th +10.77%Observations 11
Loans YoY
FDIC
LNLSNET+4.52%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.83%Median +4.52%90th +10.02%Observations 11
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.51%30th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.44%90th 0.82%Observations 11
Leverage
FDIC
RBC1AAJ12.12%70th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.10%Median 11.15%90th 14.26%Observations 11
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.14%90th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.14%Median 3.14%90th 3.92%Observations 11
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC410%88th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 28%Median 289%90th 415%Observations 9
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 23 branches
- Headquarters
- Old Bridge, NJ
FDIC
OFFDOMOpen the New Jersey dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data