AMBOY BANK

OLD BRIDGE, NJ | Large | Est. May 12, 1888, midnight | FDIC #6423 | RSSD #9807 | FED
Latest Report: 2025-12-31

AMBOY BANK is aln large FDIC-insured commercial bank headquartered in OLD BRIDGE, NJ, established in May 12, 1888, midnight. As of 2025-12-31, the bank reported total assets of $2.8B and total deposits of $2.4B. Profitability stands at 2.19% ROA and 18.50% ROE, with a net interest margin of 3.73%. The bank's CET1 capital ratio is 14.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.51% and a Texas Ratio of 3.28%. FDIC Certificate #6423.

Assets

$2.8B

Deposits

$2.4B

Loans

$1.9B

Equity

$335M

Profitability

Return on Assets (ROA) 2.19%
Return on Equity (ROE) 18.50%
Net Interest Margin (NIM) 3.73%
Yield on Assets 5.70%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.51%
Net Charge-Off Ratio -0.04%
Texas Ratio 3.28%
NPA Ratio 0.43%
ACL / Loans 1.66%

Capital & Liquidity

CET1 Ratio 14.14%
Tier 1 Capital 14.14%
Total Capital Ratio 15.39%
Leverage Ratio 11.57%
Loan-to-Deposit 80.27%

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