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Amboy Bank
Old Bridge, NJ · FDIC Certificate #6423 · Chartered 05/1
Total assets
$3.12B
Total deposits
$2.71B
Total equity
$361.65M
Net loans
$1.97B
Branches (offices)
23
Net income (YTD)
$38.16M
Rank: #412 of 4,213 U.S. banks by assets · #14 of 49 in New Jersey. Assets changed 14.8% and deposits 17.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.60% |
| Return on equity | 21.96% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 11.58% |
| Tier 1 leverage ratio | 12.19% |
| Uninsured deposits (share of deposits) | 53.2% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | -0.12% |
| Loans to deposits | 72.8% |
| Real estate loans (share of loans) | 100.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.98B | 100.0% | |
| Commercial & industrial | $33.46M | 1.7% | |
| Consumer / individual | $466.00K | 0.0% | |
| Construction & development | $312.65M | 15.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.81B | $2.47B | $10.46M | $290.65M |
| Jun 2023 | $2.57B | $2.17B | $35.76M | $303.57M |
| Jun 2024 | $2.59B | $2.14B | $34.08M | $354.90M |
| Jun 2025 | $2.72B | $2.32B | $33.84M | $347.33M |
| Jun 2026 | $3.12B | $2.71B | $38.16M | $361.65M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $2.71B | 23 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.71B.
Similar-sized banks
Citizens & Northern Bank ($3.14B) · Bcb Community Bank ($3.12B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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