Embassy National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 9.03 percentage points in Q2 2026, from 77.60% to 86.63%. It was the largest change from Q1 2026 among the key lines here. Embassy National Bank ranks 32nd of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 87.12% (Q2 2026). Embassy National Bank reported 87.12% on loan-to-deposit ratio for Q2 2026, 6.28 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $173.2M |
| Net loans and leases | $171.3M |
| Loans held for sale | $0 |
| Loans to total assets | 76.02% |
| Loan-to-deposit ratio | 87.12% |
| Net loans to equity capital | 6.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 66.01% |
| Multifamily (5+ residential) | 2.20% |
| Commercial and industrial | 5.26% |
| Consumer | 0.50% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 366.08% |
| Construction concentration (Tier 1 capital + allowance) | 86.63% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.79% |
| Interest income on loans | $3.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $93.1M | $94.8M | 73.23% | 7.85% | 0.14% |
| Q4 2023 | $112.0M | $119.2M | 67.79% | 8.67% | 0.12% |
| Q1 2024 | $122.5M | $133.1M | 68.62% | 7.67% | 0.12% |
| Q2 2024 | $126.2M | $132.8M | 68.87% | 7.85% | 0.11% |
| Q3 2024 | $134.5M | $143.4M | 68.17% | 7.12% | 0.11% |
| Q4 2024 | $142.8M | $151.9M | 66.99% | 6.81% | 0.10% |
| Q1 2025 | $145.1M | $159.6M | 70.01% | 7.41% | 0.09% |
| Q2 2025 | $144.7M | $164.0M | 70.62% | 6.07% | 0.09% |
| Q3 2025 | $166.3M | $177.0M | 71.09% | 5.37% | 0.08% |
| Q4 2025 | $170.3M | $184.2M | 68.41% | 5.25% | 0.51% |
| Q1 2026 | $169.5M | $204.3M | 68.22% | 4.94% | 0.52% |
| Q2 2026 | $173.2M | $198.8M | 66.01% | 5.26% | 0.50% |
Embassy National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Embassy National Bank, freeSource: Call Report Schedule RC-C, 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)