BlastPoint's Banking Scorecard
Ambler Savings Bank
Designations: ✓ Mutual
Ambler, PA
7 branches across PA
Ambler Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 30.8% in tier
- - Net Interest Margin 1.11% below tier average
- - ROA 0.67% below tier average
- - Efficiency Ratio 14.40% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$516.8M
+2.6% YoY
+0.1% QoQ
|
+$130.7M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$337.8M
+2.1% YoY
-2.0% QoQ
|
+$82.0M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$439.9M
+6.6% YoY
+0.4% QoQ
|
+$111.9M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
0.60%
+102.3% YoY
+48.9% QoQ
|
-0.67% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
2.82%
+12.4% YoY
+6.2% QoQ
|
-1.11% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.2% in tier |
| Efficiency Ratio ? |
79.68%
-7.6% YoY
-3.9% QoQ
|
+14.40% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
0.37%
-3.8% YoY
+83.9% QoQ
|
-0.52% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
76.79%
-4.2% YoY
-2.4% QoQ
|
+0.15% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
20.18%
+8.8% YoY
+2.2% QoQ
|
-1.84% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.24%
-4.3% YoY
+80.1% QoQ
|
-0.40% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
21.88%
-0.3% YoY
+1.9% QoQ
|
+6.05% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 10.2% in tier |
| Non-Interest Income / Assets ? |
0.19%
+317.5% YoY
+17.6% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
83% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.