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Embassy National Bank

Lawrenceville, GA · Cert 58413 · Embassy Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Embassy National Bank

Lawrenceville, GA · Cert 58413 · Embassy Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$227.9MAssets
$173.2MLoans
$198.8MDeposits
$24.9MEquity
Loan mix
95%RE $160.5M5%C&I $8.4M1%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $158.0M21%Noninterest $40.8MQ2 2025Q2 2026

NIM

8.24%Q2 ’247.35%Q2 ’256.73%Q2 ’26-12%-8%

Non-interest income vs. expense

4.31%Q2 ’243.80%Q2 ’253.14%Q2 ’26-22%-6%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #48 of 81 inst. · $0.2B of $255.1B

Executive Summary

  • Earnings: ROA of 1.52%, down 6 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.95%, down 122 bps from a year ago.
  • Funding: loans stand at 87.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.52%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.43%-41 bps YoY

Efficiency Ratio (YTD, annualized)

61.42%-178 bps YoY

Tier 1 Leverage Ratio

10.95%-122 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.60%1.64%1.55%1.52%-6 bps
Return on Equity13.41%13.70%14.30%14.70%14.25%+85 bps
Net Interest Margin4.83%4.77%4.62%4.56%4.43%-41 bps
Efficiency Ratio63.20%61.61%60.90%59.24%61.42%-178 bps
Non-Interest Burden2.62%2.52%2.41%2.38%2.45%-17 bps
Growth
Asset Growth (YoY)20.00%21.23%20.38%25.42%19.73%-27 bps
Loan Growth (YoY)14.70%23.61%19.22%16.77%19.70%+500 bps
Deposit Growth (YoY)23.46%23.45%21.24%28.01%21.24%-222 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.19%1.15%1.15%1.18%1.10%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.17%11.76%11.53%10.83%10.95%-122 bps
Total Risk-Based Capital15.91%14.94%14.71%14.68%14.77%-114 bps
Equity / Assets11.77%11.23%10.79%10.35%10.91%-86 bps
Liquidity & Funding
Loans / Deposits88.24%93.94%92.44%82.94%87.12%-112 bps
Liquid Assets / Assets14.72%8.60%4.77%13.16%9.55%-517 bps
CRE / Total Capitaln/a603%593%576%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Embassy National Bank

Lawrenceville, GA · Cert 58413 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Embassy Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$227.9MAssets
$173.2MLoans
$198.8MDeposits
$24.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 2 of 19).
  • Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 15 of 20).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.51%

Rank 8 of 20

Net Interest Margin

4.43%

Rank 6 of 20

Efficiency Ratio

61.42%

Rank 11 of 20

Equity / Assets

10.91%

Rank 11 of 20

Non-interest income vs. expense

$1.6M$7.2MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 50% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 61.42%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.51%1.08%1.42%1.85%Beats 60%8 / 20
Return on Equity13.85%9.57%13.48%17.30%Beats 55%9 / 20
Net Interest Margin4.43%3.38%3.99%4.50%Beats 70%6 / 20
Efficiency Ratio61.42%47.39%61.42%73.60%Beats 50%11 / 20
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.79%1.63%Beats 100%2 / 19
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%7 / 19
Capital
Tier 1 Capital Ratio13.64%13.64%16.79%19.57%Beats 25%15 / 20
Total Risk-Based Capital Ratio14.77%14.77%17.61%20.82%Beats 25%15 / 20
Equity / Assets10.91%9.66%10.94%13.62%Beats 45%11 / 20
Liquidity & Funding
Loans / Deposits87.12%70.35%84.66%95.83%60th pctl8 / 20
Loans / Assets76.02%62.58%72.89%77.86%60th pctl8 / 20
Brokered Deposits / Depositsn/aNot reported for this institution