Embassy National Bank
Total assets
$227.9M
▲ +19.7% YoY
Deposits
$198.8M
▲ +21.2% YoY
Loans
$171.3M
▲ +19.8% YoY
Offices
1
EMBASSY BANCSHARES INC
ROA (annualized)
1.52%
peers 1.24%
ROE (annualized)
14.25%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Embassy National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.7% | +4.4% | +15.4 pts |
| Deposit growth (YoY) | +21.2% | +4.0% | +17.3 pts |
| Loan growth (YoY) | +19.8% | +5.6% | +14.2 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 14.3% | 11.9% | +2.4 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Profile
- Established
- 2007
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- EMBASSY BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1817 N Brown Rd, Lawrenceville, GA, 30043
- County
- Gwinnett
- Metro area
- Atlanta-Sandy Springs-Alpharetta, GA
- Offices
- 1
- FDIC cert #
- 58413
- RSSD ID
- 3482045
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $227.9M | $198.8M | $171.3M | $24.9M | $1.7M | 1.52% | 4.69% | 0.00% |
| Q1 2026 | $232.8M | $204.3M | $167.5M | $24.1M | $875K | 1.55% | 4.75% | 0.00% |
| Q4 2025 | $218.2M | $184.2M | $168.3M | $23.5M | $3.2M | 1.64% | 5.13% | 0.00% |
| Q3 2025 | $204.0M | $177.0M | $164.4M | $22.9M | $2.3M | 1.60% | 5.20% | 0.00% |
| Q2 2025 | $190.3M | $164.0M | $143.0M | $22.4M | $1.5M | 1.58% | 5.11% | 0.00% |
| Q1 2025 | $185.6M | $159.6M | $143.4M | $22.0M | $790K | 1.72% | 5.22% | 0.00% |
| Q4 2024 | $181.3M | $151.9M | $141.2M | $21.4M | $2.3M | 1.44% | 5.63% | 0.00% |
| Q3 2024 | $168.3M | $143.4M | $133.0M | $21.0M | $1.7M | 1.45% | 5.68% | 0.00% |
Loan mix (Q2 2026): real estate $163.5M · commercial $9.1M · consumer $862K · securities $20.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Embassy National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.96% | 85th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 62.9% | 46th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Embassy National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Embassy National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Embassy National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Embassy National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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