BlastPoint

BlastPoint's Banking Scorecard

Ambler Savings Bank

$100M-$1B Specialty: Commercial PA FDIC cert 28701

Designations: ✓ Mutual

Ambler, PA

7 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
  • Deposits +2.1% year over year ($424.6M on the books).
  • Delinquency rate 0.31%.
  • Return on assets 0.63%.
  • Efficiency ratio 77.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.49% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Ambler Savings Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 10.2% in tier
  • - Credit Risk Growth: Bottom 23.3% in tier
  • - Liquidity Overhang: Bottom 27.4% in tier
  • - Credit Quality Pressure: Bottom 37.7% in tier
  • - Net Interest Margin 1.03% below tier average
  • - ROA 0.69% below tier average
  • - Efficiency Ratio 13.43% above tier average
Get updates when Ambler Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $502.3M
-0.6% YoY -2.8% QoQ
+$115.7M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $350.3M
+4.0% YoY +3.7% QoQ
+$91.9M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $424.6M
+2.1% YoY -3.5% QoQ
+$97.9M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 0.63%
+87.5% YoY +5.6% QoQ
-0.69% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 2.95%
+13.7% YoY +4.7% QoQ
-1.03% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 8.6% in tier
Efficiency Ratio ? 77.91%
-8.0% YoY -2.2% QoQ
+13.43% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 0.31%
+518.9% YoY -15.3% QoQ
-0.61% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 82.49%
+1.8% YoY +7.4% QoQ
+4.54% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 19.97%
-2.8% YoY -1.0% QoQ
-2.06% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 0.22%
+547.3% YoY -9.6% QoQ
-0.45% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 21.35%
-1.7% YoY -2.4% QoQ
+5.44% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Top 11.4% in tier
Non-Interest Income / Assets ? 0.26%
+210.6% YoY +38.7% QoQ
-0.31% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 20.0%
-0.6pp YoY
-0.2pp QoQ
 -2.2pp 22.1% 18.7% 22.2% 45%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 0.9%
-0.3pp YoY
-0.1pp QoQ
 -10.7pp 11.6% 8.6% 12.5% 3%
CRE 37.8%
+2.2pp YoY
+1.1pp QoQ
 -1.7pp 39.5% 37.9% 41.4% 48%
1-4 Family 62.1%
-2.0pp YoY
-1.0pp QoQ
 +29.4pp 32.6% 47.8% 31.3% 91%
Consumer n/a n/a 4.1% 3.8% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 21.4%
-0.4pp YoY
-0.5pp QoQ
 +2.5pp 18.8% 22.3% 19.7% 81%
Leverage Ratio 14.3%
+0.3pp YoY
+0.3pp QoQ
 +2.1pp 12.2% 13.2% 12.6% 83%
Total Capital Ratio 22.2%
-0.4pp YoY
-0.6pp QoQ
 +2.2pp 19.9% 23.3% 20.8% 80%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 62
+1 (+1.6%) YoY
+3 (+5.1%) QoQ
 +3 58 299 482 65%
Assets per Employee ($) $8.1M
-2.2% YoY
-7.5% QoQ
 +$583K $7.5M $9.2M $8.8M 69%
Branch Count 7
0 YoY
0 QoQ
 +2 4 20 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.3%
+0.3pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.9% 1.0% 39%
Allowance Coverage 2.55x
-84.4% YoY
+13.9% QoQ
 -21.60x 24.15x 3.63x 20.23x 54%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 23%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 5.3%
+2.3pp YoY
+0.2pp QoQ
 -6.9pp 12.2% 10.2% 11.6% 14%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 54%
Net Income ($, YTD) $1.6M
+91.0% YoY
— QoQ
 -$935K $2.6M $18.2M $40.4M 45%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Flatlined Growth

risk
#55 of 529 • Bottom 10.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.63%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Risk Growth

risk
#219 of 936 • Bottom 23.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Overhang

risk
#204 of 742 • Bottom 27.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.35%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 82.49%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#474 of 1256 • Bottom 37.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.31%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

302
Tier 1 Capital Ratio
capital
Value: 21.35%
Peer Median: 15.91%
#302 of 2643 Top 11.4% in $100M-$1B

Top Weaknesses (3 metrics)

2417
Net Interest Margin
profitability
Value: 2.95%
Peer Median: 3.99%
#2417 of 2643 Bottom 8.6% in $100M-$1B
2214
Return on Assets
profitability
Value: 0.63%
Peer Median: 1.32%
#2214 of 2643 Bottom 16.3% in $100M-$1B
2213
Efficiency Ratio
profitability
Value: 77.91%
Peer Median: 64.48%
#2213 of 2643 Bottom 16.3% in $100M-$1B
Powered by BlastPoint © 2026