Amboy Bank: how it compares with its peers
Against 11 NJ banks with half to twice its assets, Amboy Bank's strongest measure in Q2 2026 is return on assets (2.60% vs. a 0.96% peer median). Its weakest relative measure is net interest margin (3.52% vs. 3.21%).
| Measure | Amboy Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.60% | 0.96% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.52% | 3.21% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 34.23% | 59.58% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.9M | $12.3M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.76% | 100.08% | Context |
What it means for lending operations
Its efficiency ratio of 34.23% is better than the 59.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- BCB Community Bank Bayonne, NJ · $3.12B
- Unity Bank Clinton, NJ · $3.18B
- Manasquan Bank Manasquan, NJ · $3.59B
- Bessemer Trust Company Woodbridge, NJ · $2.36B
- Sumitomo Mitsui Trust Bank (U.S.A.) Limited Hoboken, NJ · $3.92B
- Parke Bank Sewell, NJ · $2.30B
Questions about Amboy Bank
How big is Amboy Bank?
Amboy Bank, established in 1888, is headquartered in Old Bridge, NJ. It reported $3.12B in total assets in its Q2 2026 FDIC call report and operates 23 offices.
What is Amboy Bank's return on assets?
2.60% annualized in Q2 2026, against a 0.96% median for 11 NJ banks with half to twice its assets, ahead of 100% of them.
What is Amboy Bank's efficiency ratio?
34.23% in Q2 2026: it spent about 34 cents in noninterest expense for each dollar of revenue. The peer median is 59.58%, and lower is better.
Is Amboy Bank growing its loans?
Net loans grew 4.7% over the year to Q2 2026, while deposits grew 17.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NJ banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.