BlastPoint's Banking Scorecard
Ambler Savings Bank
Community
Specialty: Commercial
PA
FDIC cert 28701
Designations: ✓ Mutual
Ambler, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Ambler Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 11.23% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 34% in Community
- - Liquidity Overhang: Bottom 36% in Community
- - Return on Assets 0.76% below tier
- - Net Interest Margin 1.01% below tier
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$516.5M
+3.7% YoY
-5.7% QoQ
|
-$875.0M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$344.8M
+4.6% YoY
+1.4% QoQ
|
-$630.7M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$438.1M
+3.3% YoY
-6.9% QoQ
|
-$726.5M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.40%
+20.5% YoY
+3.9% QoQ
|
-0.76% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.66%
+9.3% YoY
+1.7% QoQ
|
-1.01% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
82.92%
-2.2% YoY
-0.6% QoQ
|
+20.28% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.20%
-57.2% YoY
+379.9% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
78.70%
+1.3% YoY
+8.9% QoQ
|
-4.36% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
19.75%
+12.3% YoY
+7.6% QoQ
|
-1.30% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.13%
-56.8% YoY
+416.1% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
21.48%
-1.9% YoY
-1.9% QoQ
|
+11.23% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.16%
+7.5% YoY
+45.5% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.48%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (5)
Efficiency Drag
risk
#52 of 152 · Bottom 34% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.92%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#97 of 268 · Bottom 36% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
21.48%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
78.70%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.40%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.66%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.16%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Tier 1 Capital Ratio
Current: 21.48% · Tier avg: 10.24%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.70% · Tier avg: 83.06%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.75% · Tier avg: 21.05%
9
9th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.66%
8
8th pctile
Total Loans
Current: $344.8M · Tier avg: $975.5M
8
8th pctile
Efficiency Ratio
Current: 82.92% · Tier avg: 62.63%
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
4
4th pctile
Total Deposits
Current: $438.1M · Tier avg: $1.2B
3
3th pctile
Total Assets
Current: $516.5M · Tier avg: $1.4B
Top Weaknesses
3
3th pctile
Total Assets
Current: $516.5M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $438.1M · Tier avg: $1.2B
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
8
8th pctile
Efficiency Ratio
Current: 82.92% · Tier avg: 62.63%
8
8th pctile
Total Loans
Current: $344.8M · Tier avg: $975.5M
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.66%
9
9th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.75% · Tier avg: 21.05%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.70% · Tier avg: 83.06%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.48% · Tier avg: 10.24%