BlastPoint's Banking Scorecard

Embassy National Bank

$100M-$1B Specialty: Commercial GA FDIC cert 58413

Designations: ✓ Minority Depository Institution

Lawrenceville, GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

Embassy National Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.28% above tier average
+ Net Interest Margin 0.82% above tier average
+ Efficiency Ratio 6.04% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 46.5% in tier

Get updates when Embassy National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$232.8M +25.4% YoY +6.7% QoQ	-$153.3M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$167.5M +16.7% YoY -0.5% QoQ	-$88.2M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$204.3M +28.0% YoY +10.9% QoQ	-$123.6M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	1.55% -9.9% YoY -5.3% QoQ	+0.28%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	4.75% -8.9% YoY -7.2% QoQ	+0.82%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 11.9% in tier
Efficiency Ratio ?	59.24% -2.5% YoY -2.7% QoQ	-6.04%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	81.96% -8.8% YoY -10.3% QoQ	+5.32%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	16.55% -17.3% YoY +1.0% QoQ	-5.47%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.47% -8.6% YoY -0.2% QoQ	-2.36%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.19% -30.3% YoY -80.1% QoQ	-0.09%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#93 of 198 • Bottom 46.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 16.55%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

318

Net Interest Margin

profitability

Value: 4.75%

Peer Median: 3.93%

#318 of 2664 Top 11.9% in $100M-$1B

418

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#418 of 2664 Top 15.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available