# EMBASSY NATIONAL BANK
LAWRENCEVILLE, GA · FDIC certificate 58413 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $227.9M | |
| Deposits | $198.8M | |
| Loans and leases | $173.2M | |
| Total equity | $24.9M | |
| Loans / deposits | 86.16% (p73 of band) | 73.59% |
| Liquid assets / assets | 20.92% (p24 of band) | |
| Uninsured deposits / deposits | 52.10% (p98 of band) | 19.81% |
| Brokered deposits | 6.31% | |
| Wholesale funding | 7.63% (p80 of band) | |
| FHLB advances / assets | 1.32% | |
| Tier 1 leverage | 10.95% (p39 of band) | 11.76% |
| Unrealized securities loss / equity | -0.35% (p85 of band) | -6.57% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 1.52% (p68 of band) | 1.17% |
| Net interest margin | 4.69% (p83 of band) | 3.93% |
| Efficiency ratio | 61.42% (p38 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 93.49% (p93 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 21.2% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 6 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 7 | capital falling |  |
| 2012-12 | 5 | liquid assets <10%, charge-offs p90 | noncurrent p90, deposits shrinking, assets shrinking, capital falling |
| 2013-03 | 0 |  | losing money, expense ratio p90, reserve under noncurrent, liquid assets <10%, charge-offs p90 |
| 2013-06 | 1 | liquid assets <10% |  |
| 2013-09 | 0 |  | liquid assets <10% |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 2 | brokered >10%, construction >100% equity |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | brokered >10% |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | deposits shrinking, assets shrinking |  |
| 2018-09 | 3 | brokered >10% | construction >100% equity |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | brokered >10% |
| 2019-06 | 0 |  | deposits shrinking, assets shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | uninsured deposits leaving |
| 2021-03 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | deposits shrinking, assets shrinking | capital falling |
| 2023-03 | 3 | uninsured deposits leaving |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 | brokered >10%, capital falling | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  | brokered >10% |
| 2024-06 | 2 | brokered >10%, wholesale funding >15% | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 2 |  | wholesale funding >15% |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 2 | uninsured deposits >50%, run vulnerability | brokered >10% |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | run vulnerability |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-13 [Financial execs form new bank in response to wave of mergers - Atlanta Business Chronicle - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS09FOEoydDJFWkttejNBT1hPV0Vac1Z1RmpkbjJoOU1hdGw1cHNaNjJJMmp5MnF2S3R6MEk4d0dUS3R3Ym1Yb25GTHdnb2J1QW4ydFZnYTM2N0QySmpjQm81ZFZNdTlJQTJmNWtqbG9EOVZycmFveEx0bzAwUVFWcEpFN2pqZC1YNngxQWh6NGx1X20xZWU4?oc=5) · The Business Journals
- 2025-10-22 [Organizers eye February opening for Atlanta-area de novo - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOcHRHMHpIQncxTUs1VGJ0S2FmdGVadVBCbmRiME85bS1FRUNCd2dvZlREeU4zbmQtWXd6MWoxWlMwZ3l0MmF1Z2JDbkI5YlJ0OVhkLVBScVFZTkVZdk5yNDVxS19KWGlneUpwcUtqTDYteXRtel9ldzNsSzNBVzlpalR1dUw1Rk9JcTdQSzUtZnAtbVRWcWc4?oc=5) · American Banker
- 2021-02-01 [During First Year in Atlanta, Pinnacle Financial Partners Builds Strong Asset Base, Veteran Team of 26 - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNeXJUdHhobi1seVBDeVNYbk5kRmpUbTZZZFpVLUFnVl9icG9CU0lDWHAzYlpkZXBjZzZoRjlrajNNLTRzcmxHNllEa2M5SXFaa3I1RnhLTWVPVkpSUkVZSjZJSFFkSF8tV0M0cm5wMUNkUGI3cGtkLTFnYWtmaUhtbnp6Nmw2VVU2RW9fSjd3OUxzcFNqY0cyeldldlpFaGp0a3A4T1BOLXMzQW9BdkNZbVlsSVRmdkd5MkZmOW1xNFNtcXRaRnJYNWJDSXFpcC13NENn?oc=5) · Pinnacle Financial Partners
- 2024-02-12 [Danny Ray Britt - View Obituary & Service Information - Posey Funeral Directors](https://news.google.com/rss/articles/CBMicEFVX3lxTFBhVTdxTzViTVhxS21EaUt1enJ1RVAyQjI2UldhWFhlOHYyYTVpaDd6dFJyTmlLQ0NQVXN3R1FEejJuLWowYXFjMVEwbGN2TVdxVGV2ZHNhTW8zX3ZBMGthT3B6clFuUWRXZFZUZ3JxNDM?oc=5) · Posey Funeral Directors
- 2025-10-13 [Veteran Banking Team Organizing Georgia Skyline Bank in North Fulton - citybiz](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOVkFGNzc2czZGU1p3UVBKeVBNMTM2OHlkNGpUbGxGWXNBTHBSZG9ELWhXTWRnNlRSM3hVZVRGaGRKeVhTbUhHNTkxUm1HcTJUVlUyd2hiTjhISGtmcGFWYnMxQmliMzRFMVB4dnlNVjZSS2FqYWxoWlNQY2RSZHVIeXE5NWw4SUtYaDJIb2JQUWlFaDBqak83Z0RQeFI3Yi13VlF1TTkxSjFZVkk?oc=5) · citybiz
- 2022-04-06 [Appointments: New Ops Chief for Ponce Bank; Esch Takes Helm at First Financial - Banking Exchange](https://news.google.com/rss/articles/CBMixAFBVV95cUxONW5VaG53MGdWNEYwLXN4RkhaVm1BdFJWcE85RjRDSTJueWZqS3dsT0JyRWw1V1UtNFVvUWwxVnhoc09PWHJZRENuWENFRXBXZWVhc3ZrSUlqclBjMENTVFJNcW1oMjMwVDltUDVVU0tWYlJNczJJY3Z0TGYxWnAwclV2VGZBVEM2TjAyazdZMTBKc3RNa3FjRk1wdHZWcHlkbkJWaGwxVXVITDlqa3BJby1rUWtaNnFERVRlTU92blREMnZO?oc=5) · Banking Exchange
- 2022-04-08 [Latest banking news, April 8, 2022 - American Banker](https://news.google.com/rss/articles/CBMid0FVX3lxTE9PSV9HNi1yZTV3NlBmM1ZmNFdEX29oNmF4X2EwMm83NTBGVm02enpEejBiRDZFME1iSm1WZW1YM0g5dFRsOS0zNWhJWGJlNDY3YXlfdUxoWS13LU9lSEc4a0RkbFBRM2dwSHdBN0VxOEpKc3FSa2pN?oc=5) · American Banker
- 2023-07-08 [PPP Loans: Lender List and Requirements - SmartAsset](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5JM015SVgxMnVrSXlyYThNTlQtTl9KTjBwU2otRHJiRGdwRUhtVnZJWVhwcmVLNEs3SVJiU1AzQUVLTFR4eGxtMkdOTHRidmUxd0l5dld2bnRpQ2RLOHVDcV85ZldLeTRq?oc=5) · SmartAsset

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58413 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "58413", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide