BlastPoint's Banking Scorecard
Embassy Bank for the Lehigh Valley
Community
Specialty: Mortgage
PA
FDIC cert 57228
Bethlehem, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Embassy Bank for the Lehigh Valley has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 40% in Community
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.11% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+5.6% YoY
+1.3% QoQ
|
+$409.5M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$1.3B
+1.8% YoY
+0.9% QoQ
|
+$303.7M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$1.6B
+5.6% YoY
+1.2% QoQ
|
+$476.4M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.81%
+25.4% YoY
+1.3% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.55%
+13.0% YoY
+1.6% QoQ
|
-1.11% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
61.82%
-8.7% YoY
-0.8% QoQ
|
-0.81% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.04%
-4.4% YoY
-3.7% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
77.95%
-3.6% YoY
-0.3% QoQ
|
-5.11% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
21.81%
-3.7% YoY
+5.0% QoQ
|
+0.76% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.03%
-7.8% YoY
-4.0% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
14.38%
+3.8% YoY
+0.2% QoQ
|
+4.14% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.18%
-3.1% YoY
+31.2% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#149 of 371 · Top 40% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (2)
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.55%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
72
72th pctile
Tier 1 Capital Ratio
Current: 14.38% · Tier avg: 10.24%
67
67th pctile
Loan-to-Deposit Ratio
Current: 77.95% · Tier avg: 83.06%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.81% · Tier avg: 21.05%
51
51th pctile
Efficiency Ratio
Current: 61.82% · Tier avg: 62.63%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
10
10th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
7
7th pctile
Net Interest Margin
Current: 2.55% · Tier avg: 3.66%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.55% · Tier avg: 3.66%
10
10th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
51
51th pctile
Efficiency Ratio
Current: 61.82% · Tier avg: 62.63%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.81% · Tier avg: 21.05%
67
67th pctile
Loan-to-Deposit Ratio
Current: 77.95% · Tier avg: 83.06%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.38% · Tier avg: 10.24%
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
90
90th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%