Amboy Bank is a state-chartered bank (fed member) headquartered in Old Bridge, New Jersey, in business for about 138 years. At the end of Q2 2026 it reported $3.1B in total assets and $2.7B in deposits, with 23 offices.
Amboy Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 90% of its 897 banks with $1 billion – $10 billion. Among 50 banks headquartered in New Jersey, it ranks 7th. Earnings contributes the most (100/100, 2.60%); funding & liquidity contributes the least (45/100, 73% loans-to-deposits, 53% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 86 |
| Q4 2024 | 57 |
| Q1 2025 | 78 |
| Q2 2025 | 80 |
| Q3 2025 | 80 |
| Q4 2025 | 77 |
| Q1 2026 | 76 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.80% |
| Q3 2024 | 13.96% |
| Q4 2024 | 11.51% |
| Q1 2025 | 11.69% |
| Q2 2025 | 12.80% |
| Q3 2025 | 12.06% |
| Q4 2025 | 11.57% |
| Q1 2026 | 12.12% |
| Q2 2026 | 12.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.29% |
| Q4 2024 | 2.60% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.60% |
| Q3 2024 | 2.63% |
| Q4 2024 | 2.41% |
| Q1 2025 | 1.76% |
| Q2 2025 | 2.46% |
| Q3 2025 | 2.70% |
| Q4 2025 | 2.58% |
| Q1 2026 | 1.79% |
| Q2 2026 | 2.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $3.1B | 12.19% | 0.30% | 2.60% | 72.8% |
| Q1 2026 | 76 | $2.9B | 12.12% | 0.51% | 1.79% | 79.2% |
| Q4 2025 | 77 | $2.8B | 11.57% | 0.52% | 2.58% | 78.9% |
| Q3 2025 | 80 | $2.9B | 12.06% | 0.34% | 2.70% | 77.7% |
| Q2 2025 | 80 | $2.7B | 12.80% | 0.53% | 2.46% | 81.4% |
| Q1 2025 | 78 | $2.8B | 11.69% | 0.30% | 1.76% | 77.7% |
| Q4 2024 | 57 | $2.7B | 11.51% | 2.60% | 2.41% | 82.2% |
| Q3 2024 | 86 | $2.7B | 13.96% | 0.29% | 2.63% | 82.7% |
| Q2 2024 | 85 | $2.6B | 13.80% | 0.40% | 2.60% | 84.3% |
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).
Similar-size banks in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BCB Community BankBank Bayonne, NJ | 28 out of 100, Low | $3.1B | 10.4% | 2.85% | vs |
| Unity BankBank Clinton, NJ | 69 out of 100, Moderate | $3.2B | 12.9% | 1.23% | vs |
| Manasquan BankBank Manasquan, NJ | 59 out of 100, Moderate | $3.6B | 9.7% | 0.64% | vs |
| Bessemer Trust CompanyBank Woodbridge, NJ | 67 out of 100, Moderate | $2.4B | 6.7% | 0.00% | vs |
| Sumitomo Mitsui Trust Bank (U.S.A.) LimitedBank Hoboken, NJ | 85 out of 100, Very strong | $3.9B | 12.7% | 0.00% | vs |
| Parke BankBank Sewell, NJ | 85 out of 100, Very strong | $2.3B | 15.9% | 0.27% | vs |
Deposit insurance
Is my money safe at Amboy Bank?
Yes. Amboy Bank is an FDIC-insured institution (FDIC certificate #6423). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 53.2% of deposits ($1.4B) 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 12.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.00% (benchmark: 10%).
23 locations
Branches
Amboy Bank lists 23 offices in 15 cities. Most locations:
- Old Bridge, NJ (6)
- Manalapan, NJ (3)
- Matawan, NJ (2)
- Dayton, NJ (1)
- Freehold, NJ (1)
- Howell, NJ (1)
- Metuchen, NJ (1)
- Monroe Township, NJ (1)
- New Brunswick, NJ (1)
- Oakhurst, NJ (1)
- Port Monmouth, NJ (1)
- Red Bank, NJ (1)
HMDA 2025
Mortgage lending
In 2025, Amboy Bank reported 417 home-loan applications under HMDA (LEI 549300APYWQYO3RLT772): 316 originated ($82,540,000 total), 65 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.6%, 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
- Amboy Bank
- Former names
- First National Bank South Amboy-Madison Township; Amboy-Madison National Bank; Amboy National Bank; First National Bank South Amboy
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 6423
- RSSD ID
- 9807
- Primary regulator
- FED
- Holding company
- Amboy Bcorp
- Established
- May 12, 1888
- Headquarters
- 3590 Us Highway 9, Old Bridge, NJ 08857
- Website
- www.amboybank.com
- Employees
- 225
Quick answers
Amboy Bank: common questions
Is Amboy Bank FDIC insured?
Yes. Amboy Bank is an FDIC-insured institution (FDIC certificate #6423). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Amboy Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Amboy Bank ever failed?
There is no failure record for FDIC certificate #6423 in the FDIC failed bank list.
How many branches does Amboy Bank have?
23 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Old Bridge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ | 91 out of 100, Very strong | $52.3M | 14.4% | 0.48% | vs |
| First Atlantic Federal Credit UnionCredit union Eatontown, NJ | 86 out of 100, Very strong | $332.2M | 13.8% | 0.79% | vs |
| Merck Employees Federal Credit UnionCredit union Rahway, NJ | 86 out of 100, Very strong | $1.7B | 15.4% | 0.30% | vs |
| Linden NJ Police & Firemen Federal Credit UnionCredit union Linden, NJ | 86 out of 100, Very strong | $6.9M | 32.2% | 0.60% | vs |
| Healthcare Employees Federal Credit UnionCredit union Princeton, NJ | 86 out of 100, Very strong | $137.2M | 13.6% | 0.62% | vs |