Embassy National Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 11.5. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (8.9) profitability.
Asset Mix:
Comm re (53%), securities (11%), cash (7%), home mtgs (6%), comm loans (4%), home eq lns (4%), consumer loans (0%), other (15%)
States with Branches:
GA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Embassy Bancshares, Inc.
Investment Rating
--
Address
1817 North Brown Road
Lawrenceville, GA 30043
Lawrenceville, GA 30043
Phone Number
(770) 822-9111
Year Founded
2007
FDIC Number
Largest Affiliates
No affiliate information available.