AMBOY BANK

FDIC #6423 · NJ · period 20260630

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Total assets2,287,547-7.25% YoY

Total deposits1,732,316-4.77% YoY

Net loans and leases1,701,261-7.18% YoY

Return on assets1.54%-29.64% YoY

Return on equity11.83%-29.46% YoY

Net interest margin3.62%+2.62% YoY

Peer position

Return on assets97thstrength · n=902

Return on equity93rdstrength · n=894

Net interest margin38thin line · n=902

Equity to assets70thin line · n=894

Noncurrent loans68thin line · n=887

Liquid assets78thstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits80thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	2,287,547	1,732,316	1,701,261	1.54	11.83	3.62
2016-06-30	2,323,577	1,764,328	1,754,612	1.69	12.96	3.62
2016-09-30	2,381,979	1,780,820	1,793,863	1.71	13.08	3.56
2016-12-31	2,432,056	1,814,417	1,842,308	1.59	12.17	3.59
2017-03-31	2,466,241	1,819,155	1,832,862	2.19	16.77	3.53
2017-06-30	2,444,092	1,865,226	1,855,208	1.84	13.91	3.56
2017-09-30	2,494,176	1,957,058	1,813,925	1.53	11.15	3.55
2017-12-31	2,474,877	2,043,259	1,779,237	1.56	11.33	3.52
2018-03-31	2,333,794	1,950,001	1,729,748	1.72	11.76	3.50
2018-06-30	2,328,991	1,939,999	1,729,068	1.88	12.58	3.51
2018-09-30	2,349,426	1,947,084	1,679,105	2.01	13.39	3.58
2018-12-31	2,308,821	1,918,435	1,662,154	1.64	10.90	3.57
2019-03-31	2,256,344	1,851,888	1,646,859	2.23	14.18	3.42
2019-06-30	2,296,454	1,879,530	1,637,855	2.21	13.84	3.40
2019-09-30	2,332,429	1,899,656	1,606,464	2.63	16.30	3.38
2019-12-31	2,322,201	1,908,622	1,590,350	2.00	12.44	3.34
2020-03-31	2,317,965	1,923,692	1,561,013	-0.08	-0.55	3.18
2020-06-30	2,496,914	2,079,600	1,647,624	1.43	9.36	3.10
2020-09-30	2,546,314	2,127,481	1,657,988	1.72	11.45	3.08
2020-12-31	2,687,604	2,251,212	1,665,489	1.81	12.26	3.03
2021-03-31	2,656,388	2,239,828	1,664,192	1.91	13.83	2.94
2021-06-30	2,621,174	2,203,724	1,612,318	2.18	15.66	3.00
2021-09-30	2,730,897	2,303,633	1,556,802	2.23	16.12	2.95
2021-12-31	2,888,931	2,542,338	1,540,692	2.11	16.08	2.92
2022-03-31	2,827,170	2,483,805	1,507,170	1.23	11.74	2.56
2022-06-30	2,811,237	2,473,914	1,525,049	0.74	7.07	2.70
2022-09-30	2,750,970	2,393,590	1,562,348	1.13	10.75	2.99
2022-12-31	2,683,706	2,341,215	1,568,557	1.62	15.12	3.19
2023-03-31	2,633,528	2,199,667	1,616,426	2.80	24.18	3.62
2023-06-30	2,574,719	2,172,457	1,644,007	2.72	23.33	3.61
2023-09-30	2,680,539	2,250,711	1,684,493	2.41	20.75	3.56
2023-12-31	2,638,667	2,197,742	1,719,940	2.36	19.98	3.58
2024-03-31	2,642,308	2,200,651	1,759,659	2.85	22.36	3.59
2024-06-30	2,592,647	2,140,626	1,803,942	2.60	19.89	3.65
2024-09-30	2,736,084	2,229,138	1,842,735	2.63	19.83	3.67
2024-12-31	2,739,481	2,308,214	1,897,802	2.41	18.69	3.60
2025-03-31	2,787,584	2,408,609	1,872,621	1.76	15.23	3.62
2025-06-30	2,719,810	2,316,570	1,886,165	2.46	20.56	3.65
2025-09-30	2,891,179	2,474,315	1,921,632	2.70	22.66	3.67
2025-12-31	2,811,720	2,410,976	1,903,100	2.58	21.66	3.70
2026-03-31	2,872,182	2,472,589	1,957,307	1.79	14.92	3.55
2026-06-30	3,122,546	2,714,006	1,974,718	2.60	21.96	3.52

Structure and branch footprint

23 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
1991-12-14	1	1462230	9807

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.