Embassy National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 5.9% in Q2 2026 to $9.8M, the biggest move on this page. Within Georgia, Embassy National Bank is 62nd of 79 on CET1 ratio, 13.64% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Embassy National Bank sits 1.43 points lower, at 13.64% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.64% |
| Tier 1 risk-based capital ratio | 13.64% |
| Total risk-based capital ratio | 14.77% |
| Tier 1 leverage ratio | 10.95% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $24.9M |
| Tier 1 capital | $24.9M |
| Total risk-based capital | $27.0M |
| Total equity capital | $24.9M |
| Risk-weighted assets | $182.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.91% |
| Tangible equity to tangible assets | 10.91% |
| Equity capital to average assets | 10.92% |
| Internal capital growth rate | 9.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.2M |
| Common stock surplus | $9.8M |
| Retained earnings | $9.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$68K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 22.65% | 22.65% | 23.91% | 17.37% | $86.0M |
| Q4 2023 | 19.66% | 19.66% | 20.91% | 15.86% | $102.0M |
| Q1 2024 | 17.28% | 17.28% | 18.53% | 13.34% | $115.0M |
| Q2 2024 | 16.93% | 16.93% | 18.18% | 13.48% | $121.5M |
| Q3 2024 | 16.01% | 16.01% | 17.27% | 13.22% | $131.5M |
| Q4 2024 | 15.04% | 15.04% | 16.26% | 12.48% | $142.8M |
| Q1 2025 | 14.74% | 14.74% | 15.94% | 11.89% | $149.5M |
| Q2 2025 | 14.71% | 14.71% | 15.91% | 12.17% | $152.5M |
| Q3 2025 | 13.73% | 13.73% | 14.94% | 11.76% | $167.0M |
| Q4 2025 | 13.50% | 13.50% | 14.71% | 11.53% | $174.5M |
| Q1 2026 | 13.47% | 13.47% | 14.68% | 10.83% | $179.1M |
| Q2 2026 | 13.64% | 13.64% | 14.77% | 10.95% | $182.7M |
Embassy National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Embassy National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Embassy National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58413) · FFIEC NIC profile (RSSD 3482045)