Embassy National Bank: how it compares with its peers
Against 66 GA banks with half to twice its assets, Embassy National Bank's strongest measure in Q2 2026 is assets per employee ($8.1M vs. a $6.5M peer median). Its weakest relative measure is efficiency ratio (61.42% vs. 59.37%).
| Measure | Embassy National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.55% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.69% | 4.58% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.42% | 59.37% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $6.5M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.16% | 77.25% | Context |
What it means for lending operations
Its efficiency ratio of 61.42% is above the 59.37% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Waynesboro Waynesboro, GA · $229M
- Citizens Community Bank Hahira, GA · $222M
- Loyal Trust Bank Johns Creek, GA · $235M
- Mount Vernon Bank Mount Vernon, GA · $218M
- First Bank of Coastal Georgia Pembroke, GA · $216M
- Waycross Bank & Trust Waycross, GA · $242M
Questions about Embassy National Bank
How big is Embassy National Bank?
Embassy National Bank, established in 2007, is headquartered in Lawrenceville, GA. It reported $228M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Embassy National Bank's return on assets?
1.52% annualized in Q2 2026, against a 1.55% median for 66 GA banks with half to twice its assets, ahead of 48% of them.
What is Embassy National Bank's efficiency ratio?
61.42% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 59.37%, and lower is better.
Is Embassy National Bank growing its loans?
Net loans grew 19.8% over the year to Q2 2026, while deposits grew 21.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.