Embassy National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.18 percentage points higher than in Q1 2026, at 87.12%. Embassy National Bank ranks 69th of 121 Georgia banks on return on assets, in the lower half at 1.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Embassy National Bank sits 0.23 points higher, at 1.49% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.64% |
| Tier 1 risk-based capital ratio | 13.64% |
| Total risk-based capital ratio | 14.77% |
| Tier 1 leverage ratio | 10.95% |
| Equity capital to assets | 10.91% |
| Tangible equity to tangible assets | 10.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 13.84% |
| Net interest margin | 4.55% |
| Efficiency ratio | 63.70% |
| Yield on earning assets | 6.94% |
| Cost of funds | 2.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.12% |
| Core deposits to total deposits | 81.54% |
| Brokered deposits to total deposits | 7.23% |
| Deposits to assets | 87.26% |
| Securities to assets | 8.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.65% | 22.65% | 23.91% | 17.37% | 1.54% |
| Q4 2023 | 19.66% | 19.66% | 20.91% | 15.86% | 1.80% |
| Q1 2024 | 17.28% | 17.28% | 18.53% | 13.34% | 1.36% |
| Q2 2024 | 16.93% | 16.93% | 18.18% | 13.48% | 1.82% |
| Q3 2024 | 16.01% | 16.01% | 17.27% | 13.22% | 1.24% |
| Q4 2024 | 15.04% | 15.04% | 16.26% | 12.48% | 1.45% |
| Q1 2025 | 14.74% | 14.74% | 15.94% | 11.89% | 1.71% |
| Q2 2025 | 14.71% | 14.71% | 15.91% | 12.17% | 1.48% |
| Q3 2025 | 13.73% | 13.73% | 14.94% | 11.76% | 1.66% |
| Q4 2025 | 13.50% | 13.50% | 14.71% | 11.53% | 1.82% |
| Q1 2026 | 13.47% | 13.47% | 14.68% | 10.83% | 1.57% |
| Q2 2026 | 13.64% | 13.64% | 14.77% | 10.95% | 1.49% |
Embassy National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Embassy National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)