Side-by-side · Q2 2026 data
The First National Bank of Waynesboro vs Embassy National Bank
Metric by metric
| Measure | The First National Bank of Waynesboro | Embassy National Bank |
|---|---|---|
| TellerScore | 94 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 69 (stronger) | 33 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 98th | 57th |
| Total assets | $229.1M | $227.9M |
| Deposits / shares | $182.7M | $198.8M |
| Capital ratio | 19.14% (stronger) | 10.95% |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 2.33% (stronger) | 1.52% |
| Loans ÷ deposits | 82.7% (stronger) | 86.2% |
| Uninsured deposits | 22.6% (stronger) | 52.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Waynesboro has the higher TellerScore (94 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Waynesboro leads on 5 and Embassy National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.