Ambler Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Ambler Savings Bank is an FDIC-insured savings bank headquartered in Ambler, PA, established in 1899 (FDIC certificate 28701), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $502.3M, down 0.6% from Q2 2025, the 68th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 21.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28701
- Headquarters
- Ambler, PA
- Established
- 1899
- Total assets, Q2 2026
- $502.3M
- Assets vs Q2 2025
- -0.6%
- CET1 ratio, Q2 2026
- 21.35%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 231371634
- Latest call report
- Q2 2026, FFIEC 051 · Ambler Savings Bank call report
- Asset rank in state
- 68th of 109 in Pennsylvania
Ambler Savings Bank, based in Ambler, Pennsylvania, reported $502 million in assets at June 30, 2026. It keeps 2.97 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also returns 5.5% a year on shareholders' equity, about half the median of 12.5% for banks its size.
Earnings jumped: net income for the quarter was $846,000, 77% above the same quarter a year earlier. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.31% of loans, against 0.05% a year earlier. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Ambler Savings Bank reported a CET1 capital ratio of 21.35%, a return on assets of 0.66%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 1.70%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Ambler Savings Bank is the 68th largest of the 109 banks headquartered in Pennsylvania. From Q1 2026 to Q2 2026, its total assets fell 2.8% to $502.3M, loans rose 3.7% and deposits fell 3.5%. 1-4 family residential loans made up 61.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 13.1%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in PA; its Ambler office books 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, Ambler Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 155 E Butler Ave, Ambler, PA 19002
- County
- Montgomery
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $424.6M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $514.9M
- Average total loans
- $347.0M
- Average interest-bearing deposits
- $335.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28701
- Fed RSSD
- 206174
- Website
- www.amblersav.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Ambler Savings Bank's total assets ranged from $496.3M (Q4 2023) to $547.7M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$502.3M total assets against $505.2M; $440.2M total liabilities against $448.8M.
$350.3M net loans and leases against $336.9M; $424.6M total deposits against $415.8M.
$97.7M securities against $104.0M; $22.9M cash and balances due against $30.2M.
$5.7M total interest income against $5.5M; $2.1M total interest expense against $2.3M.
$3.7M net interest income against $3.1M.
$336K total noninterest income against $196K; $3.0M total noninterest expense against $2.8M.
No provision recorded in the last 12 quarters.
$846K net income against $477K.
0.66% return on assets against 0.38%; 2.97% net interest margin against 2.60%.
21.35% CET1 capital ratio against 21.71%; 14.29% tier 1 leverage ratio against 14.04%.
Inside the full Ambler Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmbler Savings Bank rankings
Its closest position to the top of a national ranking is 275 of 2,134, for CET1 ratio; its furthest is 3,081 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.28% (Q4 2024) to 0.66% (Q2 2026) and its net interest margin ran from 2.34% (Q3 2024) to 2.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.35% | 0.66% | 0.31% | 1.70% | 2.97% |
| Q1 2026 | 21.88% | 0.60% | 0.37% | 1.97% | 2.76% |
| Q4 2025 | 21.48% | 0.43% | 0.20% | 1.10% | 2.62% |
| Q3 2025 | 21.89% | 0.49% | 0.04% | 0.23% | 2.63% |
| Q2 2025 | 21.71% | 0.38% | 0.05% | 0.29% | 2.60% |
| Q1 2025 | 21.95% | 0.30% | 0.38% | 2.16% | 2.45% |
| Q4 2024 | 21.90% | 0.28% | 0.46% | 2.69% | 2.36% |
| Q3 2024 | 22.44% | 0.43% | 0.75% | 4.06% | 2.34% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ambler Savings Bank (main office) | Ambler , PA | 19002 | $239.2M |
| Bally Br | Bally , PA | 19503 | $70.1M |
| Limerick Branch | Limerick , PA | 19468 | $66.9M |
| Fairview Village Office | Jeffersonville , PA | 19403 | $35.3M |
| Foulkeways Branch | Gwynedd , PA | 19436 | $8.2M |
| Normandy Farms Branch | Blue Bell , PA | 19422 | $4.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 31, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 2017 | Structure Change | Acquired Bally Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 85 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.4M approved, $725K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Ambler Savings Bank
What are Ambler Savings Bank's total assets?
As of the Q2 2026 filing, Ambler Savings Bank reported total assets of $502.3 million in its FFIEC call report.
Where is Ambler Savings Bank headquartered?
It is headquartered in Ambler, PA, United States.
When was Ambler Savings Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Ambler Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28701). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ambler Savings Bank?
Ambler Savings Bank's primary federal regulator is the FDIC.
What is Ambler Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ambler Savings Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ambler Savings Bank's Texas Ratio?
Its Texas Ratio is 1.70% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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