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Embassy National Bank
Lawrenceville, GA · FDIC Certificate #58413 · Chartered 03/0
Total assets
$227.87M
Total deposits
$198.84M
Total equity
$24.86M
Net loans
$171.32M
Branches (offices)
1
Net income (YTD)
$1.72M
Rank: #2,825 of 4,213 U.S. banks by assets · #83 of 123 in Georgia. Assets changed 19.7% and deposits 21.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 14.25% |
| Net interest margin (YTD) | 4.69% |
| Equity to assets | 10.91% |
| Tier 1 leverage ratio | 10.95% |
| Uninsured deposits (share of deposits) | 52.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 86.2% |
| Real estate loans (share of loans) | 95.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $163.52M | 95.4% | |
| Commercial & industrial | $9.13M | 5.3% | |
| Consumer / individual | $862.00K | 0.5% | |
| Construction & development | $23.24M | 13.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $132.46M | $112.73M | $563.00K | $18.97M |
| Jun 2023 | $100.74M | $80.75M | $569.00K | $19.16M |
| Jun 2024 | $158.60M | $132.83M | $1.20M | $20.49M |
| Jun 2025 | $190.32M | $164.00M | $1.47M | $22.40M |
| Jun 2026 | $227.87M | $198.84M | $1.72M | $24.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $198.84M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $198.84M.
Similar-sized banks
Neighborhood National Bank ($227.99M) · Charter Bank ($227.54M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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