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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 75thStandingRank8-Qtr TrendPeer 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