Embassy National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Embassy National Bank of Lawrenceville, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.49% | 1.34% | +0.15% | 62nd above |
| ROAE | 13.84% | 13.31% | +0.53% | 59th above |
| Net Interest Margin | 4.55% | 3.93% | +0.62% | 81st top |
| Efficiency Ratio | 63.70% | 61.14% | +2.56% | 43rd below |
| PPNR / Avg Assets | 1.81% | 1.68% | +0.13% | 63rd above |
| Yield on Earning Assets | 6.94% | 5.67% | +1.27% | 94th top |
| Cost of Funds | 2.63% | 1.88% | +0.75% | 12th bottom |
| Net Interest Spread | 3.81% | 3.32% | +0.49% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.64% | 19.50% | -5.86% | 35th below |
| Tier 1 Ratio | 13.64% | 19.54% | -5.90% | 35th below |
| Total Capital Ratio | 14.77% | 20.62% | -5.85% | 35th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.95% | 12.14% | -1.19% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.91% | 11.37% | -0.46% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.91% | 11.09% | -0.18% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.12% | 80.64% | +6.48% | 35th below |
| Core Deposit Ratio | 81.54% | 86.86% | -5.32% | 19th bottom |
| Wholesale Funding Ratio | 1.32% | 5.03% | -3.71% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.73% | 6.85% | +12.88% | 94th top |
| Loan Growth (Y/Y) | 19.70% | 7.90% | +11.80% | 92nd top |
| Deposit Growth (Y/Y) | 21.24% | 6.28% | +14.96% | 95th top |
See Embassy National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Embassy National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Embassy National Bank profile, how to read a UBPR, or how this data updates.