Amboy Bank
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Data as of · sourced from FFIEC call reports. How we update
Amboy Bank is an FDIC-insured commercial bank headquartered in Old Bridge, NJ, established in 1888 (FDIC certificate 6423), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $3.12B, up 14.8% from Q2 2025, the 14th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 14.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 6423
- Headquarters
- Old Bridge, NJ
- Established
- 1888
- Total assets, Q2 2026
- $3.12B
- Assets vs Q2 2025
- +14.8%
- CET1 ratio, Q2 2026
- 14.75%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 021204416
- Latest call report
- Q2 2026, FFIEC 041 · Amboy Bank call report
- Holding company
- AMBOY BANCORPORATION
- Asset rank in state
- 14th of 49 in New Jersey
Amboy Bank is one of the more profitable banks of its size. Its balance sheet stood at $3.1 billion at June 30, 2026, up 14.8% from a year earlier; it is based in Old Bridge, New Jersey. It earns about $3.41 a year on every $100 of assets, 2.6 times the median of $1.29 for the 880 banks with $1 billion to $10 billion in assets. It also spends about 28 cents to bring in each dollar of revenue, about half the median of 58 cents for banks its size.
Deposits are coming in faster than loans: over the year loans rose 4.8% and deposits rose 17.2%. Delinquency has appeared in its $743 million multifamily book: 4.98% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it holds about half of its deposits (53%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%).
As of June 30, 2026, Amboy Bank reported a CET1 capital ratio of 14.75%, a return on assets of 3.41%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 1.86%. The figures come from its call report filed with the FFIEC.
Of the 49 banks headquartered in New Jersey, Amboy Bank is the 14th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 8.7% to $3.12B, loans rose 0.9% and deposits rose 9.8%. Its loan book on June 30, 2026 was led by multifamily loans, at 37.0% of total loans, followed by non-owner-occupied commercial real estate loans at 25.5%. The FDIC Summary of Deposits lists 23 offices for it, in 15 cities in NJ; its Old Bridge 6 offices book 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Amboy Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3590 Us Highway 9, Old Bridge, NJ 08857
- County
- Middlesex
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 12, 1888
- Former names
- Amboy National Bank (1991-2008); Amboy-Madison National Bank (1963-1991); First National Bank South Amboy-Madison Township (1960-1963)
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 225
- Domestic deposits
- $2.71B
- Allowance for credit losses
- $33.3M
- Net charge-offs (YTD)
- -$1.2M
- Average total assets
- $2.99B
- Average total loans
- $2.00B
- Average interest-bearing deposits
- $2.49B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6423
- Fed RSSD
- 9807
- Website
- www.amboybank.com →
- Parent Holding Company
- AMBOY BANCORPORATION (RSSD 2611718)
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, Amboy Bank's total assets ranged from $2.59B (Q2 2024) to $3.12B (Q2 2026), 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
$3.12B total assets against $2.72B; $2.76B total liabilities against $2.37B.
$1.97B net loans and leases against $1.89B; $2.71B total deposits against $2.32B.
$582.3M securities against $438.3M; $370.4M cash and balances due against $206.5M.
$37.7M total interest income against $35.7M; $13.0M total interest expense against $12.4M.
$24.6M net interest income against $23.3M.
$10.7M total noninterest income against $8.4M; $9.8M total noninterest expense against $10.1M.
$0 provision for credit losses against $0.
$25.5M net income against $21.6M.
3.41% return on assets against 3.15%; 3.55% net interest margin against 3.67%.
14.75% CET1 capital ratio against 15.17%; 12.19% tier 1 leverage ratio against 12.80%.
Inside the full Amboy Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Amboy Bank rankings
Its closest position to the top of a national ranking is 32 of 3,606, for efficiency ratio; its furthest is 2,316 of 3,640, for Texas Ratio.
Metric pages for Amboy Bank: ROA, Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.72% (Q1 2025) to 3.41% (Q2 2026) and its net interest margin ran from 3.34% (Q4 2024) to 3.75% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.75% | 3.41% | 0.30% | 1.86% | 3.55% |
| Q1 2026 | 14.39% | 1.77% | 0.51% | 3.14% | 3.61% |
| Q4 2025 | 14.14% | 2.16% | 0.52% | 3.29% | 3.71% |
| Q3 2025 | 14.49% | 3.18% | 0.34% | 2.32% | 3.75% |
| Q2 2025 | 15.17% | 3.15% | 0.53% | 3.42% | 3.67% |
| Q1 2025 | 14.46% | 1.72% | 0.30% | 2.32% | 3.53% |
| Q4 2024 | 13.72% | 1.73% | 2.60% | 15.17% | 3.34% |
| Q3 2024 | 16.58% | 2.68% | 0.29% | 1.95% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 23 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 |
|---|---|---|---|
| Amboy Bank (main office) | Old Bridge , NJ | 08857 | $1.38B |
| Browntown Branch | Old Bridge , NJ | 08857 | $374.3M |
| Sayreville Branch | Sayreville , NJ | 08872 | $126.2M |
| Sayrewoods Branch | Old Bridge , NJ | 08857 | $76.2M |
| Woodbridge Branch | Woodbridge , NJ | 07095 | $72.1M |
| South Amboy Branch | South Amboy , NJ | 08879 | $65.0M |
| State Highway Branch | Matawan , NJ | 07747 | $64.8M |
| Ramtown Branch | Howell , NJ | 07731 | $57.0M |
| Texas Road Branch | Old Bridge , NJ | 08857 | $52.6M |
| Manalapan Branch | Manalapan , NJ | 07726 | $47.0M |
| Cheesequake Branch | Matawan , NJ | 07747 | $45.5M |
| Red Bank Branch | Red Bank , NJ | 07701 | $39.4M |
| Monroe Branch | Monroe Township , NJ | 08831 | $38.2M |
| Ernston Branch | Old Bridge , NJ | 08857 | $37.0M |
| Ocean Branch | Oakhurst , NJ | 07755 | $36.7M |
| Monmouth Junction Branch | Dayton , NJ | 08810 | $31.0M |
| New Brunswick Branch | New Brunswick , NJ | 08901 | $30.2M |
| Millhurst Branch | Manalapan , NJ | 07726 | $29.3M |
| Freehold Branch | Freehold , NJ | 07728 | $27.4M |
| Manalapan - Gordon's Corner | Manalapan , NJ | 07726 | $25.3M |
| Ticetown Branch | Old Bridge , NJ | 08857 | $21.0M |
| Metuchen Branch | Metuchen , NJ | 08840 | $19.5M |
| The Port Monmouth Branch | Port Monmouth , NJ | 07758 | $17.6M |
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 |
|---|---|---|---|
| December 14, 1991 | Structure Change | Acquired Amboy National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 14, 2020, Federal Reserve: Civil Money Penalty: Amboy Bank, Old Bridge, New Jersey
- Period: Most recent institution action April 14, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in NJ, rank 25 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 417 applications, 316 loans originated, $82.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $200K approved, $67K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Amboy Bank
What are Amboy Bank's total assets?
As of the Q2 2026 filing, Amboy Bank reported total assets of $3.12 billion in its FFIEC call report.
Where is Amboy Bank headquartered?
It is headquartered in Old Bridge, NJ, United States.
When was Amboy Bank founded?
It was established in 1888, per the FDIC institution directory.
Is Amboy Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6423). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Amboy Bank?
Amboy Bank's primary federal regulator is the Federal Reserve.
What is Amboy Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Amboy Bank operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Amboy Bank's Texas Ratio?
Its Texas Ratio is 1.86% 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.
What was Amboy Bank previously called?
The charter now named Amboy Bank has also operated as Amboy National Bank (1991-2008), Amboy-Madison National Bank (1963-1991), First National Bank South Amboy-Madison Township (1960-1963), per FDIC structure-change records.
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