Embassy National Bank


1817 North Brown Road
Lawrenceville, GA 30043
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.85% →
1-Year CD 0.60% 0.67% →
2-Year CD 0.70% 0.80% →
5-Year CD 0.75% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Embassy National Bank is an FDIC insured institution located in Lawrenceville, GA. It was founded in 2007 and has approximately $0.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58413
Date Established 2007
Assets $ 119.49 million
Loans $ 79.45 million
Deposits $ 100.08 million
Capital $ 18.19 million

For a more detailed analysis of Embassy National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 28, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $999 Learn More
Money Market
0.50% $10,000 - Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.65% $10,000 - Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.75% $10,000 - Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.75% $10,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 28, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Embassy National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.922% 2.875%
0.63 points
$1,530 fees
$1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info

Note to Embassy National Bank
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Climate Initiatives

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Financial Details

Embassy National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Embassy National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Embassy National Bank U.S. Bank Average
0% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Embassy National Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $18,190,000 in equity and $1,551,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Embassy National Bank U.S. Bank Average
9.91% 11.29%

Embassy National Bank has a Return on Equity of 9.91% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Embassy National Bank U.S. Bank Average
15.22% 11.72%

Embassy National Bank has a Capitalization of 15.22% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Embassy National Bank Balance Sheet Analysis

As of June 30, 2021, Embassy National Bank had assets of $119,488,000, loans of $79,454,000, and deposits of $100,078,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 5.39 million
Interest-bearing balances $ 4.90 million
Total securities N.A.
Federal funds sold and reverse repurchase $ 28.33 million
Net loans and leases $ 79.45 million
Loan loss allowance $ 1.55 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.93 million
All other assets $ 2.05 million
     Total Assets $ 101.30 million
Total deposits $ 100.08 million
      Interest-bearing deposits $ 81.37 million
      Deposits held in domestic offices $ 100.08 million
      % insured (estimated) 67.92%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.28 million
Subordinated debt N.A.
All other liabilities $ 0.94 million
      Total Liabilities $ 101.30 million
      Shareholders’ Equity $ 18.19 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 2.52 million
Total Interest Expense $ 0.34 million
Net interest income $ 2.18 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 1.92 million
Total non interest expense $ 2.88 million
Pre-tax Net Operating Income $ 1.21 million

Bank Loan Profile?

The top three loan types in Embassy National Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Construction and Development Loans.

Compared to other banks in Georgia, Embassy National Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.80
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 20.23
Construction and Development Loans 11.94
Commercial Real Estate 73.80
Commercial and Industrial Loans 11.25
Farm Loans 0.00

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