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Amalgamated Bank
New York, NY·FDIC Cert #622·Charter: STATE·Est. 19230414.0·HC: WORKERS UNITED
Total Assets
$8.9B
Q4 2025
Return on Assets
1.26%
-0.01%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.81%
Peer avg: 56.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.26%-0.01
ROE
13.87%-0.11
Efficiency
50.81%+0.86
Equity/Assets
0.00%+0.00
NPL Ratio
0.58%+0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
61.34%+0.88
Charge-offs
0.42%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.4 | 1.4 | 1.3 | 1.2 | 1.3 | 1.3 | 1.3 |
| ROE | 17.5 | 16.8 | 16.4 | 15.8 | 13.9 | 13.8 | 14.0 | 13.9 |
| Efficiency | 46.0 | 46.9 | 47.3 | 48.2 | 52.5 | 50.4 | 50.0 | 50.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.8 | 0.6 | 0.7 | 0.7 | 0.8 | 0.5 | 0.6 |
| Charge-offs | 0.2 | 0.2 | 0.4 | 0.4 | 0.2 | 0.3 | 0.4 | 0.4 |
| Loan/Deposit | 59.4 | 59.0 | 59.4 | 64.3 | 62.0 | 60.0 | 60.5 | 61.3 |
Balance Sheet
Total Assets$8.9B
Total Deposits$8.0B
Total Loans$4.9B
Total Equity$812.7M
Profitability
ROA1.26%
ROE13.87%
Efficiency Ratio50.81%
Net Income$107.3M
Risk & Asset Quality
NPL Ratio0.58%
Charge-off Rate0.42%
Loan/Deposit61.34%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans