Lawrenceville, GA · Cert 58413 · Embassy Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #48 of 81 inst. · $0.2B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.44% | 1.72% | 1.58% | 1.60% | 1.64% | 1.55% | 1.52% | -6 bps | |
| Return on Equity | 11.15% | 11.31% | 14.55% | 13.41% | 13.70% | 14.30% | 14.70% | 14.25% | +85 bps | |
| Net Interest Margin | 5.28% | 4.99% | 4.84% | 4.83% | 4.77% | 4.62% | 4.56% | 4.43% | -41 bps | |
| Efficiency Ratio | 67.82% | 66.82% | 60.78% | 63.20% | 61.61% | 60.90% | 59.24% | 61.42% | -178 bps | |
| Non-Interest Burden | 3.30% | 3.10% | 2.51% | 2.62% | 2.52% | 2.41% | 2.38% | 2.45% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.18% | 26.88% | 18.40% | 20.00% | 21.23% | 20.38% | 25.42% | 19.73% | -27 bps | |
| Loan Growth (YoY) | 44.60% | 27.57% | 18.46% | 14.70% | 23.61% | 19.22% | 16.77% | 19.70% | +500 bps | |
| Deposit Growth (YoY) | 51.25% | 27.52% | 19.90% | 23.46% | 23.45% | 21.24% | 28.01% | 21.24% | -222 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.12% | 1.15% | 1.16% | 1.19% | 1.15% | 1.15% | 1.18% | 1.10% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.22% | 12.48% | 11.89% | 12.17% | 11.76% | 11.53% | 10.83% | 10.95% | -122 bps | |
| Total Risk-Based Capital | 17.27% | 16.26% | 15.94% | 15.91% | 14.94% | 14.71% | 14.68% | 14.77% | -114 bps | |
| Equity / Assets | 12.50% | 11.82% | 11.86% | 11.77% | 11.23% | 10.79% | 10.35% | 10.91% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.82% | 94.01% | 90.92% | 88.24% | 93.94% | 92.44% | 82.94% | 87.12% | -112 bps | |
| Liquid Assets / Assets | 5.95% | 2.16% | 9.68% | 14.72% | 8.60% | 4.77% | 13.16% | 9.55% | -517 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 603% | 593% | 576% | n/a | n/a | |