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Amboy Bank
Old Bridge, NJ·FDIC Cert #6423·Charter: STATE·Est. 18880512.0·HC: AMBOY BCORP
Total Assets
$2.8B
Q4 2025
Return on Assets
2.58%
-0.12%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
39.29%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
70
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.58%-0.12
ROE
21.66%-1.00
Efficiency
39.29%+3.55
Equity/Assets
0.00%+0.00
NPL Ratio
0.52%+0.18
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.93%+1.27
Charge-offs
-0.04%+0.00
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 | 2.8 | 2.6 | 2.6 | 2.4 | 1.8 | 2.5 | 2.7 | 2.6 |
| ROE | 22.4 | 19.9 | 19.8 | 18.7 | 15.2 | 20.6 | 22.7 | 21.7 |
| Efficiency | 32.4 | 37.1 | 37.5 | 39.2 | 48.1 | 38.7 | 35.7 | 39.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.4 | 0.3 | 2.6 | 0.3 | 0.5 | 0.3 | 0.5 |
| Charge-offs | -0.0 | -0.0 | -0.0 | -0.1 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 80.0 | 84.3 | 82.7 | 82.2 | 77.7 | 81.4 | 77.7 | 78.9 |
Balance Sheet
Total Assets$2.8B
Total Deposits$2.4B
Total Loans$1.9B
Total Equity$335.0M
Profitability
ROA2.58%
ROE21.66%
Efficiency Ratio39.29%
Net Income$72.1M
Risk & Asset Quality
NPL Ratio0.52%
Charge-off Rate-0.04%
Loan/Deposit78.93%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans