Amboy Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 7.6% in Q2 2026, from $215.8M to $232.2M. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, Amboy Bank is 16th of 37 on CET1 ratio, 14.75% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Amboy Bank sits 1.26 points higher, at 14.75% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.75% |
| Tier 1 risk-based capital ratio | 14.75% |
| Total risk-based capital ratio | 16.00% |
| Tier 1 leverage ratio | 12.19% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $364.5M |
| Tier 1 capital | $364.5M |
| Total risk-based capital | $395.4M |
| Total equity capital | $361.7M |
| Risk-weighted assets | $2.47B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.58% |
| Tangible equity to tangible assets | 11.58% |
| Equity capital to average assets | 12.10% |
| Internal capital growth rate | 19.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20.0M |
| Common stock surplus | $112.3M |
| Retained earnings | $232.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.69% | 14.69% | 15.94% | 12.16% | $2.20B |
| Q4 2023 | 15.24% | 15.24% | 16.49% | 12.58% | $2.21B |
| Q1 2024 | 15.58% | 15.58% | 16.83% | 13.13% | $2.24B |
| Q2 2024 | 15.94% | 15.94% | 17.19% | 13.80% | $2.27B |
| Q3 2024 | 16.58% | 16.58% | 17.83% | 13.96% | $2.29B |
| Q4 2024 | 13.72% | 13.72% | 14.97% | 11.51% | $2.33B |
| Q1 2025 | 14.46% | 14.46% | 15.71% | 11.69% | $2.29B |
| Q2 2025 | 15.17% | 15.17% | 16.42% | 12.80% | $2.32B |
| Q3 2025 | 14.49% | 14.49% | 15.74% | 12.06% | $2.37B |
| Q4 2025 | 14.14% | 14.14% | 15.39% | 11.57% | $2.37B |
| Q1 2026 | 14.39% | 14.39% | 15.64% | 12.12% | $2.42B |
| Q2 2026 | 14.75% | 14.75% | 16.00% | 12.19% | $2.47B |
Amboy Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Amboy Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Amboy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6423) · FFIEC NIC profile (RSSD 9807)