| Metric | Amboy Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.8% | +5.5% | +9.3 pts |
| Deposit growth (YoY) | +17.2% | +5.1% | +12.1 pts |
| Loan growth (YoY) | +4.7% | +5.9% | -1.2 pts |
| ROA | 2.60% | 1.26% | +1.3 pts |
| ROE | 22.0% | 12.2% | +9.8 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.12B | $2.71B | $1.97B | $361.7M | $38.2M | 2.60% | 3.52% | 0.23% |
| Q1 2026 | $2.87B | $2.47B | $1.96B | $345.8M | $12.7M | 1.79% | 3.55% | 0.41% |
| Q4 2025 | $2.81B | $2.41B | $1.90B | $335.0M | $72.1M | 2.58% | 3.70% | 0.43% |
| Q3 2025 | $2.89B | $2.47B | $1.92B | $341.2M | $56.4M | 2.70% | 3.67% | 0.30% |
| Q2 2025 | $2.72B | $2.32B | $1.89B | $347.3M | $33.8M | 2.46% | 3.65% | 0.48% |
| Q1 2025 | $2.79B | $2.41B | $1.87B | $326.3M | $12.2M | 1.76% | 3.62% | 0.30% |
| Q4 2024 | $2.74B | $2.31B | $1.90B | $313.9M | $64.3M | 2.41% | 3.60% | 1.91% |
| Q3 2024 | $2.74B | $2.23B | $1.84B | $377.6M | $52.3M | 2.63% | 3.67% | 0.29% |
Loan mix (Q2 2026): real estate $1.98B · commercial $33.5M · consumer $466K · securities $582.3M
| Ratio | Amboy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.60% | 1.26% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 12.2% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.2% | 59.0% | 4th |
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% |
| Ratio | Amboy 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% |
| Ratio | Amboy 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% |
| Ratio | Amboy 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% |
| Ratio | Amboy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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