1.79%
+1.3%y/y
Peer standing83rd percentile
FDIC
NETINC + ROAAB
Amboy Bank
Old Bridge, New JerseyFDIC Cert #6423
STATEEstablished 188823 branches
Holding company: AMBOY BCORPRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
14.92%
−2.1%y/y
Peer standing75th percentile
FDIC
NETINC + ROE1.77%
+0.7%y/y
Peer standing71st percentile
FDIC
PTAXNETINC + ASSET3.55%
−1.8%y/y
Peer standing43rd percentile
FDIC
NIM + NIMY5.44%
−6.0%y/y
Peer standing45th percentile
FDIC
INTINCY2.14%
−13.4%y/y
Peer standing79th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
44.15%
−8.1%y/y
Peer standing90th percentile
FDIC
NONIX + NIM + NONII + EEFFR1.40%
−14.0%y/y
Peer standing96th percentile
FDIC
NONIX + ASSET−3.66%
−434.7%y/y
Percentile by value0th percentileby value
FDIC
NONII + NIM+3.03%
−44.8%y/y
Percentile by value35th percentileby value
FDIC
ASSET+2.66%
−71.9%y/y
Percentile by value36th percentileby value
FDIC
DEP+4.52%
−29.6%y/y
Percentile by value42nd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
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.