Ambler Savings Bank
Total assets
$502.3M
▼ -0.6% YoY
Deposits
$424.6M
▲ +2.1% YoY
Loans
$350.3M
▲ +4.0% YoY
Offices
7
ROA (annualized)
0.63%
peers 1.28%
ROE (annualized)
5.30%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Ambler Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.9% | -5.5 pts |
| Deposit growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| Loan growth (YoY) | +4.0% | +5.3% | -1.4 pts |
| ROA | 0.63% | 1.28% | -0.6 pts |
| ROE | 5.3% | 12.4% | -7.1 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
Profile
- Established
- 1899
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 155 E Butler Ave, Ambler, PA, 19002
- County
- Montgomery
- Metro area
- Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
- Offices
- 7
- FDIC cert #
- 28701
- RSSD ID
- 206174
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $502.3M | $424.6M | $350.3M | $62.1M | $1.6M | 0.63% | 2.95% | 0.22% |
| Q1 2026 | $516.8M | $439.9M | $337.8M | $60.7M | $774K | 0.60% | 2.82% | 0.24% |
| Q4 2025 | $516.5M | $438.1M | $344.8M | $60.7M | $2.1M | 0.40% | 2.66% | 0.13% |
| Q3 2025 | $547.7M | $470.5M | $340.1M | $59.4M | $1.5M | 0.39% | 2.61% | 0.03% |
| Q2 2025 | $505.2M | $415.8M | $336.9M | $56.4M | $848K | 0.34% | 2.60% | 0.03% |
| Q1 2025 | $503.6M | $412.8M | $330.8M | $56.5M | $371K | 0.30% | 2.51% | 0.25% |
| Q4 2024 | $498.1M | $424.4M | $329.6M | $55.0M | $1.7M | 0.33% | 2.43% | 0.31% |
| Q3 2024 | $529.8M | $452.9M | $323.0M | $57.8M | $1.3M | 0.35% | 2.41% | 0.46% |
Loan mix (Q2 2026): real estate $349.9M · commercial $3.0M · consumer $0 · securities $97.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Ambler Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.28% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 12.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.89% | 9th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 61.2% | 87th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Ambler Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Ambler Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Ambler Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Ambler Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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