BlastPoint's Banking Scorecard
Amboy Bank
Community
Specialty: Commercial
NJ
FDIC cert 6423
Old Bridge, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Amboy Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 22% in Community
- + Revenue Diversifier: Top 34% in Community
- + Efficiency Ratio 23.34% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+2.6% YoY
-2.7% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$1.9B
+0.3% YoY
-1.0% QoQ
|
+$927.6M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$2.4B
+4.5% YoY
-2.6% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
2.58%
+7.3% YoY
-4.4% QoQ
|
+1.42% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
3.70%
+2.5% YoY
+0.6% QoQ
|
+0.03% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
39.29%
+0.2% YoY
+9.9% QoQ
|
-23.34% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.52%
-80.2% YoY
+53.9% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
78.93%
-4.0% YoY
+1.6% QoQ
|
-4.13% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
6.41%
-4.6% YoY
+4.5% QoQ
|
-14.63% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.43%
-77.5% YoY
+43.7% QoQ
|
-0.07% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
14.14%
+3.1% YoY
-2.4% QoQ
|
+3.90% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.88%
+37.0% YoY
+52.4% QoQ
|
+0.14% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#84 of 371 · Top 22% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.58%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#127 of 371 · Top 34% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.88%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.58%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
39.29%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.41%
(Tier avg: 21.05%, National avg: 21.79%)
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
97
97th pctile
Return on Assets
Current: 2.58% · Tier avg: 1.16%
96
96th pctile
Efficiency Ratio
Current: 39.29% · Tier avg: 62.63%
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
82
82th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.74%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.14% · Tier avg: 10.24%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
36
36th pctile
Loan-to-Deposit Ratio
Current: 78.93% · Tier avg: 83.06%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.41% · Tier avg: 21.05%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.41% · Tier avg: 21.05%
36
36th pctile
Loan-to-Deposit Ratio
Current: 78.93% · Tier avg: 83.06%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.14% · Tier avg: 10.24%
82
82th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.74%
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
96
96th pctile
Efficiency Ratio
Current: 39.29% · Tier avg: 62.63%
97
97th pctile
Return on Assets
Current: 2.58% · Tier avg: 1.16%