TellerScore

Headquartered in New York, New York, Amalgamated Bank is a state-chartered bank with $9.4B in total assets and $8.5B in deposits as of Q2 2026. It operates 6 offices across 3 states. Its charter dates back to 1923.

Based on its Q2 2026 filing, Amalgamated Bank scores 53/100, which we describe as below average. That is higher than only 11% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 92nd. Its strongest component is problem-loan coverage (78/100; 10.9%), and its lowest is loan quality (34/100; 1.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.60%
Loan quality34/100
Noncurrent loans ÷ total loans: 1.99%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 59.9% · 57.1% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.94%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (65 → 53), mostly because the loan quality component weakened by 41 points.

TellerScore
525966Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202464
Q4 202464
Q1 202565
Q2 202565
Q3 202566
Q4 202565
Q1 202652
Q2 202653
Tier 1 leverage ratio
5.00%7.36%9.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.95%
Q3 20249.21%
Q4 20249.17%
Q1 20259.56%
Q2 20259.72%
Q3 20259.26%
Q4 20259.63%
Q1 20269.69%
Q2 20269.60%
Noncurrent loans
0.48%1.24%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.80%
Q3 20240.62%
Q4 20240.64%
Q1 20250.72%
Q2 20250.75%
Q3 20250.48%
Q4 20250.58%
Q1 20261.96%
Q2 20261.99%
Return on assets
1.15%1.25%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.36%
Q3 20241.35%
Q4 20241.32%
Q1 20251.24%
Q2 20251.25%
Q3 20251.26%
Q4 20251.26%
Q1 20261.15%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$9.4B9.60%1.99%1.34%59.9%
Q1 202652$9.2B9.69%1.96%1.15%60.5%
Q4 202565$8.9B9.63%0.58%1.26%61.3%
Q3 202566$8.7B9.26%0.48%1.26%60.5%
Q2 202565$8.6B9.72%0.75%1.25%60.0%
Q1 202565$8.3B9.56%0.72%1.24%62.0%
Q4 202464$8.3B9.17%0.64%1.32%64.3%
Q3 202464$8.4B9.21%0.62%1.35%59.4%
Q2 202462$8.3B8.95%0.80%1.36%59.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.60%
25th
Total risk-based capital15.96%
76th
Problem loans1.99%
9th
Net charge-offs0.25%
16th
Return on assets1.34%
58th
Net interest margin3.78%
54th
Efficiency ratio47.5%
82nd
Loans to deposits59.9%
93rd
Uninsured deposits57.1%
5th
Loan-loss reserves1.34%
75th
Texas ratio10.9%
15th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Metropolitan Commercial BankBank New York, NY66 out of 100, Moderate$8.9B11.1%0.91%vs
Tompkins Bank & TrustBank Ithaca, NY60 out of 100, Moderate$8.8B9.1%0.80%vs
Ridgewood Savings BankBank Ridgewood, NY64 out of 100, Moderate$7.5B13.3%1.85%vs
Bank of IndiaBank New York, NY48 out of 100, Below average$7.4B0.0%0.00%vs
TrustCo BankBank Glenville, NY62 out of 100, Moderate$6.5B8.4%0.40%vs
Five Star BankBank Rochester, NY66 out of 100, Moderate$6.3B10.9%0.82%vs

Deposit insurance

Is my money safe at Amalgamated Bank?

Yes. Amalgamated Bank is an FDIC-insured institution (FDIC certificate #622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 57.1% of deposits ($4.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.60%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.96% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Amalgamated Bank lists 6 offices in 5 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Amalgamated Bank reported 365 home-loan applications under HMDA (LEI 254900FMBXF85WQYV433): 287 originated ($504,225,000 total), 10 denied, and 64 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Amalgamated Bank
Former names
Amalgamated Bank of New York; The Amalgamated Bank of New York
Type
State-chartered bank
FDIC certificate #
622
RSSD ID
661308
Primary regulator
FDIC
Holding company
Workers United
Established
April 14, 1923
Headquarters
99 Park Ave, New York, NY 10016
Employees
463

Quick answers

Amalgamated Bank: common questions

Is Amalgamated Bank FDIC insured?

Yes. Amalgamated Bank is an FDIC-insured institution (FDIC certificate #622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Amalgamated Bank's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Amalgamated Bank ever failed?

There is no failure record for FDIC certificate #622 in the FDIC failed bank list.

How many branches does Amalgamated Bank have?

6 offices as of the latest FDIC data, in 3 states.

Nearby

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