Total Assets
$516M
Total balance-sheet footings
FDIC Cert #28701 · Ambler, Pennsylvania · Est. 1899
Ambler Savings Bank - FDIC Bank Health Profile
A community-scale look at Ambler Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $516M
- Total assets
- B
- Health grade · Good
- 0.40%
- Return on assets
- 21.5%
- Tier 1 capital
Data updated July 2026
The verdict
Ambler Savings Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 21.48% Tier 1, 0.40% ROA, 83% efficiency ratio.
- #1,748
- largest of 4,313 FDIC banks by assets
- 59th
- percentile by asset size, nationally
- 21.48%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Ambler Savings Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Ambler Savings Bank's composite health score
Tier 1 Capital Ratio (21.48%) 40/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (1.09%) 20/20
Efficiency Ratio (82.92%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$438M
Customer-funded liabilities
Net Loans
$345M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Ambler Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ambler Savings Bank's score of 67/100 falls in the highlighted band.
Ambler Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Ambler Savings Bank's $516M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.48% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.48%
Texas Ratio
1.09%
Equity Capital
$61M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
3.59%
Efficiency Ratio
82.92%
What the numbers say about Ambler Savings Bank
Ambler Savings Bank is an FDIC-insured institution (Certificate #28701) headquartered in Ambler, Pennsylvania, established in 1899. It holds $516M in total assets - 1,748th of 4,313 FDIC-insured banks, $438M in customer deposits, and $345M in net loans. Its capital position: a Tier 1 ratio of 21.48%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.09% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Ambler Savings Bank sits 67th of 112 banks headquartered in Pennsylvania by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$22M
Interest Income
$819K
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Ambler Savings Bank reports a Texas Ratio of 1.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ambler Savings Bank (FDIC Cert #28701) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Ambler Savings Bank's health grade?▼
Ambler Savings Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Ambler Savings Bank?▼
Ambler Savings Bank holds $516M in total assets and $438M in deposits, ranking 1,748th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ambler, Pennsylvania.
Is my money safe at Ambler Savings Bank?▼
Yes, deposits at Ambler Savings Bank (Certificate #28701) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Ambler Savings Bank's Tier 1 Capital Ratio?▼
Ambler Savings Bank has a Tier 1 Capital Ratio of 21.48%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Ambler Savings Bank?▼
Ambler Savings Bank has a Texas Ratio of 1.09%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Ambler Savings Bank?▼
Ambler Savings Bank has an Efficiency Ratio of 82.92%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Ambler Savings Bank's profile as a depositor or analyst.
- Ambler Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Ambler Savings Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.