Embassy National Bank is a national bank headquartered in Lawrenceville, Georgia, in business for about 19 years. At the end of Q2 2026 it reported $227.9M in total assets and $198.8M in deposits, with 1 office.
Embassy National Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 67th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (33/100, 86% loans-to-deposits, 52% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (79 → 74), mostly because the capital cushion component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 80 |
| Q4 2024 | 78 |
| Q1 2025 | 78 |
| Q2 2025 | 79 |
| Q3 2025 | 76 |
| Q4 2025 | 75 |
| Q1 2026 | 73 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.48% |
| Q3 2024 | 13.22% |
| Q4 2024 | 12.48% |
| Q1 2025 | 11.89% |
| Q2 2025 | 12.17% |
| Q3 2025 | 11.76% |
| Q4 2025 | 11.53% |
| Q1 2026 | 10.83% |
| Q2 2026 | 10.95% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.57% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.44% |
| Q1 2025 | 1.72% |
| Q2 2025 | 1.58% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $227.9M | 10.95% | 0.00% | 1.52% | 86.2% |
| Q1 2026 | 73 | $232.8M | 10.83% | 0.00% | 1.55% | 82.0% |
| Q4 2025 | 75 | $218.2M | 11.53% | 0.00% | 1.64% | 91.4% |
| Q3 2025 | 76 | $204.0M | 11.76% | 0.00% | 1.60% | 92.9% |
| Q2 2025 | 79 | $190.3M | 12.17% | 0.00% | 1.58% | 87.2% |
| Q1 2025 | 78 | $185.6M | 11.89% | 0.00% | 1.72% | 89.9% |
| Q4 2024 | 78 | $181.3M | 12.48% | 0.00% | 1.44% | 92.9% |
| Q3 2024 | 80 | $168.3M | 13.22% | 0.00% | 1.45% | 92.8% |
| Q2 2024 | 82 | $158.6M | 13.48% | 0.00% | 1.57% | 93.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of WaynesboroBank Waynesboro, GA | 94 out of 100, Very strong | $229.1M | 19.1% | 0.20% | vs |
| Citizens Community BankBank Hahira, GA | 67 out of 100, Moderate | $221.9M | 8.9% | 0.89% | vs |
| Loyal Trust BankBank Johns Creek, GA | 64 out of 100, Moderate | $235.3M | 10.8% | 0.25% | vs |
| Mount Vernon BankBank Mount Vernon, GA | 71 out of 100, Strong | $217.6M | 10.3% | 0.64% | vs |
| First Bank of Coastal GeorgiaBank Pembroke, GA | 59 out of 100, Moderate | $215.7M | 9.1% | 0.35% | vs |
| Waycross Bank & TrustBank Waycross, GA | 79 out of 100, Strong | $242.2M | 12.1% | 0.25% | vs |
Deposit insurance
Is my money safe at Embassy National Bank?
Yes. Embassy National Bank is an FDIC-insured institution (FDIC certificate #58413). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 52.1% of deposits ($103.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.77% (benchmark: 10%).
1 location
Branches
Embassy National Bank lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Embassy National Bank
- Type
- National bank
- FDIC certificate #
- 58413
- RSSD ID
- 3482045
- Primary regulator
- OCC
- Holding company
- Embassy Bancshares Inc
- Established
- March 5, 2007
- Headquarters
- 1817 N Brown Rd, Lawrenceville, GA 30043
- Website
- www.embassynationalbank.com
- Employees
- 28
Quick answers
Embassy National Bank: common questions
Is Embassy National Bank FDIC insured?
Yes. Embassy National Bank is an FDIC-insured institution (FDIC certificate #58413). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Embassy National Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Embassy National Bank ever failed?
There is no failure record for FDIC certificate #58413 in the FDIC failed bank list.
How many branches does Embassy National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lawrenceville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Knox County Teachers Federal Credit UnionCredit union Knoxville, TN | 93 out of 100, Very strong | $34.4M | 15.5% | 0.01% | vs |
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| CIBC National Trust CompanyBank Atlanta, GA | 93 out of 100, Very strong | $412.8M | 59.6% | 0.00% | vs |
| Northside Federal Credit UnionCredit union Atlanta, GA | 88 out of 100, Very strong | $20.8M | 18.9% | 0.54% | vs |
| Genuine Parts Credit UnionCredit union Norcross, GA | 87 out of 100, Very strong | $19.5M | 79.2% | 0.00% | vs |