Side-by-side · Q2 2026 data
Embassy National Bank vs Loyal Trust Bank
Metric by metric
| Measure | Embassy National Bank | Loyal Trust Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 64 |
| Capital cushion | 60 (stronger) | 58 |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 81 (stronger) | 30 |
| Funding & liquidity | 33 | 56 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 57th | 26th |
| Total assets | $227.9M | $235.3M |
| Deposits / shares | $198.8M | $175.4M |
| Capital ratio | 10.95% (stronger) | 10.77% |
| Problem loans | 0.00% (stronger) | 0.25% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.52% (stronger) | 0.26% |
| Loans ÷ deposits | 86.2% (stronger) | 94.8% |
| Uninsured deposits | 52.1% | 23.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Embassy National Bank has the higher TellerScore (74 vs 64). On the 6 directional measures above (where higher or lower is clearly better), Embassy National Bank leads on 5 and Loyal Trust Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.