BlastPoint's Banking Scorecard
Embassy National Bank
Micro
Specialty: Commercial
GA
FDIC cert 58413
Designations: ✓ Community bank
Lawrenceville, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Embassy National Bank shows strong momentum with 4 strengths and 20.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.27% above tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.40% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$218.2M
+20.4% YoY
+7.0% QoQ
|
+$704K |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$168.3M
+19.2% YoY
+2.4% QoQ
|
+$29.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$184.2M
+21.2% YoY
+4.1% QoQ
|
+$558K |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.64%
+14.0% YoY
+2.7% QoQ
|
+0.56% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
5.13%
-8.9% YoY
-1.3% QoQ
|
+1.27% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
60.90%
-8.9% YoY
-1.2% QoQ
|
-6.83% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
91.38%
-1.7% YoY
-1.6% QoQ
|
+16.86% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
16.38%
-42.9% YoY
-23.7% QoQ
|
-6.01% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
13.50%
-10.2% YoY
-1.7% QoQ
|
+4.65% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.96%
+45.9% YoY
+22.4% QoQ
|
+0.40% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.13%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.96%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Net Interest Margin
Current: 5.13% · Tier avg: 3.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.56%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
80
80th pctile
Loan-to-Deposit Ratio
Current: 91.38% · Tier avg: 74.53%
66
66th pctile
Total Loans
Current: $168.3M · Tier avg: $139.2M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.50% · Tier avg: 8.85%
65
65th pctile
Efficiency Ratio
Current: 60.90% · Tier avg: 67.73%
56
56th pctile
Total Assets
Current: $218.2M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $184.2M · Tier avg: $183.7M
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.38% · Tier avg: 22.39%
Top Weaknesses
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.38% · Tier avg: 22.39%
56
56th pctile
Total Deposits
Current: $184.2M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $218.2M · Tier avg: $217.5M
65
65th pctile
Efficiency Ratio
Current: 60.90% · Tier avg: 67.73%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.50% · Tier avg: 8.85%
66
66th pctile
Total Loans
Current: $168.3M · Tier avg: $139.2M
80
80th pctile
Loan-to-Deposit Ratio
Current: 91.38% · Tier avg: 74.53%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
91
91th pctile
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.56%
92
92th pctile
Net Interest Margin
Current: 5.13% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%