EMBASSY NATIONAL BANK

LAWRENCEVILLE, GA | Small | Est. March 5, 2007, midnight | FDIC #58413 | RSSD #3482045 | OCC
Latest Report: 2025-12-31

EMBASSY NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in LAWRENCEVILLE, GA, established in March 5, 2007, midnight. As of 2025-12-31, the bank reported total assets of $218M and total deposits of $184M. Profitability stands at 1.77% ROA and 16.05% ROE, with a net interest margin of 5.09%. The bank's CET1 capital ratio is 13.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #58413.

Assets

$218M

Deposits

$184M

Loans

$170M

Equity

$24M

Profitability

Return on Assets (ROA) 1.77%
Return on Equity (ROE) 16.05%
Net Interest Margin (NIM) 5.09%
Yield on Assets 7.70%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 13.50%
Tier 1 Capital 13.50%
Total Capital Ratio 14.71%
Leverage Ratio 11.53%
Loan-to-Deposit 92.44%

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