Amboy Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Amboy Bank of Old Bridge, NJ against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.41% | 1.34% | +2.07% | 98th top |
| ROAE | 28.80% | 12.34% | +16.46% | 97th top |
| Net Interest Margin | 3.55% | 3.83% | -0.28% | 37th below |
| Efficiency Ratio | 27.55% | 58.97% | -31.42% | 99th top |
| PPNR / Avg Assets | 3.41% | — | — | 97th top |
| Yield on Earning Assets | 5.39% | 5.71% | -0.32% | 40th below |
| Cost of Funds | 1.95% | 2.02% | -0.07% | 54th above |
| Net Interest Spread | 3.29% | — | — | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 0.87% | -0.57% | 68th above |
| NPA / Total Assets | 0.23% | — | — | 68th above |
| NCO / Avg Loans | -0.03% | 0.43% | -0.46% | 95th top |
| ACL / Total Loans | 1.66% | — | — | 91st top |
| ACL / NPLs (Coverage) | 556.62% | — | — | 80th top |
| Texas Ratio | 1.86% | 5.48% | -3.62% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.75% | 14.99% | -0.24% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.75% | 15.02% | -0.27% | 67th above |
| Total Capital Ratio | 16.00% | — | — | 68th above |
| Leverage Ratio | 12.19% | 11.11% | +1.08% | 78th top |
| Equity / Assets | 11.58% | 11.02% | +0.56% | 70th above |
| TCE / Tangible Assets | 11.58% | — | — | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.99% | 86.99% | -13.00% | 80th top |
| Core Deposit Ratio | 78.19% | 85.57% | -7.38% | 18th bottom |
| Uninsured Deposit Ratio | 53.18% | 33.19% | +19.99% | 7th bottom |
| Wholesale Funding Ratio | 0.99% | — | — | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.81% | — | — | 86th top |
| Loan Growth (Y/Y) | 4.76% | — | — | 44th below |
| Deposit Growth (Y/Y) | 17.16% | — | — | 88th top |
See Amboy Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Amboy Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Amboy Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Amboy Bank peer analysis.