# AMBLER SAVINGS BANK
AMBLER, PA · FDIC certificate 28701 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $502.3M | |
| Deposits | $424.6M | |
| Loans and leases | $353.1M | |
| Total equity | $62.1M | |
| Loans / deposits | 82.49% (p52 of band) | 82.04% |
| Liquid assets / assets | 24.01% (p48 of band) | |
| Uninsured deposits / deposits | 24.56% (p45 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.15% (p42 of band) | |
| FHLB advances / assets | 2.15% | |
| Tier 1 leverage | 14.29% (p86 of band) | 10.81% |
| Unrealized securities loss / equity | -24.29% (p17 of band) | -8.10% |
| AOCI / equity | -0.40% (p47 of band) | |
| ROA (annualized) | 0.63% (p15 of band) | 1.28% |
| Net interest margin | 2.95% (p9 of band) | 3.91% |
| Efficiency ratio | 77.91% (p86 of band) | |
| Noncurrent loans | 0.31% (p43 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 255.48% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 18.01% (p23 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 62 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 3 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 1 |  | NIM <2.5%, capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | capital falling | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-08-03 [Montgomery County Leadership: Leslie Heffernen, Chair of the Board, Ambler Savings Bank - MONTCO.Today](https://news.google.com/rss/articles/CBMidEFVX3lxTE5LOUN4TWJHY3VSVElodkdKeWJOR1N1a3hLOC1CU0RkbldmdHJmTS1VUlQ0aXY5QThFN1JtNG9BWDhOM2JVYkpkelJock5YVDZZUmczM1RNZFhDMXlQUVdFOU9jc0E3cDhPblkwQklmTmdYY2Zn?oc=5) · MONTCO.Today
- 2012-12-21 [Ambler Savings Bank plans building expansion - timesherald.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNSTJuQkRoVjlOV0lNbmxQcmpPRlRVcUdOUDhvSFJPSG9zaEJSb1RpLWMxb3UyT2l2RjlXRnlqSU1LYUVNRWJSUS1RcnRMMG1PNnA0Y3pBZTd1SEJrSnMyYy1kWWJCWlh5c3lENUs2V3VxaE1CaFc3X0xvZU5ZT3RRZGRfeFNoUmd0dUlxQg?oc=5) · timesherald.com
- 2023-01-05 [Gov. Shapiro appoints Roger Zacharia, Ambler Savings Bank CEO, to advisory committee - Around Ambler](https://news.google.com/rss/articles/CBMirgFBVV95cUxQV1VfSlhDVGVZeFJFempGVG5PdE1iMGg2NHEwTFhaVktCdUdVQi1HR2hQbW9GWkljYlpvYkdHQWtmQ0xyQTdwMGhaQnVPTEktX1hvQnhYNy1tZTlYV3hRQTIxaml1ZWRsLWI1NHJHXzdxN2xzSko4cTUwRjBXYjhURjY2ekI1UEJUZl9NWjVudWh4NDFzZ3ExcmkzdFZ3YU1yc3ZRa1dkbFQ3MXNncHc?oc=5) · Around Ambler
- 2026-01-23 [Obituary information for Martin R. Brown - urbanfuneralhome.com](https://news.google.com/rss/articles/CBMifEFVX3lxTFBveGhCVGs5V3c0anV5LThQU2lvZld5emdYd2ZGTFhOSm1NbWFGY09MOVMyaEhiUzItWVJFekZfeGxDT1lOUG9ad19yTmdaY2gyeDBsZTBZcG5nbmNzSFNvSTQxVlRSOXNiVXBzdTVic1VpeVdlWkswWVBwZjY?oc=5) · urbanfuneralhome.com
- 2017-06-23 [Ambler Savings Bank Donates $15K To Arts And Music Fest - Patch](https://news.google.com/rss/articles/CBMijgFBVV95cUxQd0NhQ3FqQmFaRjhPYW5qVGE5TEFlRmwzZ3hHQzQ5LXEycVlzWFFpQ09maGp2ZVlleEUwd1VxeWdzNlk1Z2NjbXFxaFNlRDhrTWt6VG9xMkFiZVROQVRIOExOOG9HdkRLbndQenBPQUY2M052dnkzeVhmeGgxUTlGLXc5QmlCX2pFRWRQdmxn?oc=5) · Patch
- 2024-09-07 [Montgomery County Leadership: Kevin Gallagher, SVP and Chief Lending Officer, Ambler Savings Bank - MONTCO.Today](https://news.google.com/rss/articles/CBMiggFBVV95cUxQU0Rad3VZTW5BZTk5eWZ0OHVKTFpRUDRuTlJHdmRPdTN0cTdyVnJ2SkE0Wl9ybzFtVHBFeUJ0cVdBbDJoeDBJeWM4aE1nV2M5clVROGVLMXRXYnJ4MkFYZURKOVZObnhBd3FuTjZjWDYyQ0EtVWdjMW5qTmxwcjUxcDR3?oc=5) · MONTCO.Today
- 2015-05-03 [Nelly Ward, Frederick Merkel III (Published 2015) - The New York Times](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZ2pKNUFTOVNucmVyTTRaWVdac2h6Z0tPRm9XRjdNOGR4RTN2eW9RTHkwZWQzQjhaTWtUOThyYm9zazVLMl83WmwwSmpIWklvZXE5OU5MTlpyZHZUQnBScDBCUktUYV90OUwyOXhVcnZKR3piYkxzS3RhQkNmZlg1MG4tQ1ZVYjQ0Rm51a1o2WVc5dw?oc=5) · The New York Times
- 2024-03-11 [Ambler Savings Bank Marks 150 Years of Serving the Community - MONTCO.Today](https://news.google.com/rss/articles/CBMidkFVX3lxTE16ZlE2WUtQVGVwWV9Hb2d2SHVpRFNVYWltSElIemZsQlhUTzMtRHA1MGl2ZTI3UHhsVnhOeTNSaUxFcUc2N21qR0RKaklEdHJpWkhUM2VlUVNSSDlvQm5Pck1BZlNpN0Y1UmpicTQ3LV95aG1RY0E?oc=5) · MONTCO.Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28701 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "28701", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide