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Embassy National Bank

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

Designations: ✓ Minority Depository Institution

Lawrenceville, GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +21.2% year over year ($198.8M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.52%.
  • Efficiency ratio 61.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.16% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

Embassy National Bank shows strong momentum with 5 strengths and 19.7% YoY asset growth

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

  • + Credit Quality Leader: Top 49.5% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.20% above tier average
  • + Net Interest Margin 0.71% above tier average
  • + Efficiency Ratio 3.06% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Embassy National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $227.9M
+19.7% YoY -2.1% QoQ
-$158.7M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
32%
Total Loans ? $171.3M
+19.8% YoY +2.3% QoQ
-$87.0M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $198.8M
+21.2% YoY -2.7% QoQ
-$127.9M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 1.52%
-3.9% YoY -1.9% QoQ
+0.20% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 4.69%
-8.1% YoY -1.3% QoQ
+0.71% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 14.5% in tier
Efficiency Ratio ? 61.42%
-2.8% YoY +3.7% QoQ
-3.06% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
53%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 86.16%
-1.2% YoY +5.1% QoQ
+8.21% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 20.54%
+12.1% YoY +24.2% QoQ
-1.49% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.64%
-7.2% YoY +1.3% QoQ
-2.26% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.34%
-39.8% YoY +79.3% QoQ
-0.22% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 20.5%
+2.2pp YoY
+4.0pp QoQ
 -1.6pp 22.1% 26.2% 22.2% 47%
Brokered Deposits 7.2%
-4.9pp YoY
-3.9pp QoQ
 -0.6pp 7.9% 7.5% 8.5% 65%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 5.3%
-0.8pp YoY
+0.3pp QoQ
 -6.2pp 11.6% 9.7% 12.5% 22%
CRE 82.6%
+1.0pp YoY
-0.4pp QoQ
 +43.1pp 39.5% 48.9% 41.4% 98%
1-4 Family 12.8%
-0.6pp YoY
0.0pp QoQ
 -19.8pp 32.6% 31.7% 31.3% 15%
Consumer 0.5%
+0.4pp YoY
0.0pp QoQ
 -3.6pp 4.1% 4.8% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 13.6%
-1.1pp YoY
+0.2pp QoQ
 -5.2pp 18.8% 20.9% 19.7% 35%
Leverage Ratio 11.0%
-1.2pp YoY
+0.1pp QoQ
 -1.2pp 12.2% 14.0% 12.6% 49%
Total Capital Ratio 14.8%
-1.1pp YoY
+0.1pp QoQ
 -5.2pp 19.9% 22.1% 20.8% 35%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 28
-1 (-3.4%) YoY
+1 (+3.7%) QoQ
 -31 58 98 482 24%
Assets per Employee ($) $8.1M
+24.0% YoY
-5.6% QoQ
 +$620K $7.5M $7.5M $8.8M 69%
Branch Count 1
0 YoY
0 QoQ
 -4 4 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 38.10x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 14.2%
+0.8pp YoY
-0.4pp QoQ
 +2.1pp 12.2% 13.6% 11.6% 64%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.6% 1.7% 88%
Net Income ($, YTD) $1.7M
+17.1% YoY
— QoQ
 -$833K $2.6M $6.6M $40.4M 47%

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 (1)

Credit Quality Leader

growth
#327 of 659 • Top 49.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
385
Net Interest Margin
profitability
Value: 4.69%
Peer Median: 3.99%
#385 of 2643 Top 14.5% in $100M-$1B
567
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#567 of 2643 Top 21.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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