BlastPoint's Banking Scorecard
Amboy Bank
Designations: ✓ Community bank
Old Bridge, NJ
23 branches across NJ
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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
- Deposits +17.2% year over year ($2.7B on the books).
- Delinquency rate 0.30%.
- Return on assets 2.60%.
- Efficiency ratio 34.23% vs a 59.73% peer average.
- Loan-to-deposit ratio 72.76% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Amboy Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 28.4% in tier
- + Efficiency Ratio 25.50% below tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 16.05% below tier average
- - Net Interest Margin 0.35% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+14.8% YoY
+8.7% QoQ
|
+$329.3M |
$2.8B
-0.6% YoY
|
$4.4B
+7.9% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$2.0B
+4.7% YoY
+0.9% QoQ
|
+$11.5M |
$2.0B
-0.3% YoY
|
$3.3B
+6.8% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$2.7B
+17.2% YoY
+9.8% QoQ
|
+$395.2M |
$2.3B
-0.5% YoY
|
$3.6B
+8.2% YoY
|
$4.9B
+7.3% YoY
|
74% |
| Return on Assets ? |
2.60%
+5.6% YoY
+45.5% QoQ
|
+1.21% |
1.39%
+17.0% YoY
|
0.53%
-11.1% YoY
|
1.30%
+12.1% YoY
|
Top 3.2% in tier |
| Net Interest Margin ? |
3.52%
-3.5% YoY
-0.8% QoQ
|
-0.35% |
3.87%
+6.2% YoY
|
3.11%
+4.3% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
34.23%
-11.5% YoY
-22.5% QoQ
|
-25.50% |
59.73%
-12.6% YoY
|
78.52%
+3.6% YoY
|
70.05%
+2.5% YoY
|
Top 3.8% in tier |
| Delinquency Rate ? |
0.30%
-43.6% YoY
-41.2% QoQ
|
-0.56% |
0.87%
+11.7% YoY
|
0.69%
-16.2% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
72.76%
-10.6% YoY
-8.1% QoQ
|
-12.28% |
85.04%
-0.1% YoY
|
81.90%
-3.2% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
5.23%
-21.2% YoY
-14.7% QoQ
|
-16.05% |
21.27%
-1.5% YoY
|
16.56%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.3% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-50.6% YoY
-43.4% QoQ
|
-0.44% |
0.67%
+11.7% YoY
|
0.61%
-0.3% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
14.75%
-2.7% YoY
+2.5% QoQ
|
-0.09% |
14.84%
-0.4% YoY
|
19.31%
+2.7% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.32%
-0.9% YoY
|
-0.21% |
0.53%
+2.5% YoY
|
0.77%
-2.9% YoY
|
0.66%
+5.2% YoY
|
56% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
5.2%
-1.4pp YoY -0.9pp QoQ |
-16.1pp | 21.4% | 16.6% | 22.2% | 4% |
| Brokered Deposits | n/a | n/a | 9.5% | 10.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.7%
-0.1pp YoY 0.0pp QoQ |
-12.3pp | 14.0% | 6.5% | 12.5% | 5% |
| CRE |
87.4%
+1.6pp YoY +0.1pp QoQ |
+37.4pp | 50.0% | 56.3% | 41.4% | 99% |
| 1-4 Family |
12.6%
-1.3pp YoY -0.1pp QoQ |
-13.8pp | 26.4% | 39.4% | 31.3% | 23% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 4.3% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.8%
-0.4pp YoY +0.4pp QoQ |
-0.8pp | 15.6% | 18.8% | 19.7% | 67% |
| Leverage Ratio |
12.2%
-0.6pp YoY +0.1pp QoQ |
+0.9pp | 11.3% | 13.4% | 12.6% | 78% |
| Total Capital Ratio |
16.0%
-0.4pp YoY +0.4pp QoQ |
-0.7pp | 16.7% | 19.8% | 20.8% | 69% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
225
-14 (-5.9%) YoY -5 (-2.2%) QoQ |
-89 | 313 | 336 | 482 | 47% |
| Assets per Employee ($) |
$13.9M
+22.0% YoY +11.1% QoQ |
+$3.4M | $10.5M | $11.2M | $8.8M | 86% |
| Branch Count |
23
0 YoY 0 QoQ |
+3 | 20 | 20 | 18 | 72% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.2pp YoY -0.2pp QoQ |
-0.5pp | 0.8% | 0.8% | 1.0% | 32% |
| Allowance Coverage |
5.57x
+83.7% YoY +69.3% QoQ |
-13.14x | 18.71x | 6.57x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY +0.1pp QoQ |
-0.4pp | 0.3% | 0.2% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.0%
+1.4pp YoY +7.0pp QoQ |
+9.4pp | 12.6% | 6.4% | 11.6% | 93% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.9% | 1.7% | 47% |
| Net Income ($, YTD) |
$38.2M
+12.8% YoY — QoQ |
+$18.9M | $19.2M | $19.8M | $40.4M | 87% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.