Total Assets
$1.8B
Total balance-sheet footings
FDIC Cert #57228 · Bethlehem, Pennsylvania · Est. 2001
Embassy Bank for the Lehigh Valley - FDIC Bank Health Profile
A community-scale look at Embassy Bank for the Lehigh Valley's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.8B
- Total assets
- B
- Health grade · Good
- 0.81%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
Embassy Bank for the Lehigh Valley earns a PlainBankData health grade of B (77/100), with well-capitalized at 14.38% Tier 1, 0.81% ROA, 62% efficiency ratio.
- #647
- largest of 4,313 FDIC banks by assets
- 85th
- percentile by asset size, nationally
- 14.38%
- Tier 1 ratio - above the 10% well-capitalized line
- 30th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Embassy Bank for the Lehigh Valley's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Embassy Bank for the Lehigh Valley's composite health score
Tier 1 Capital Ratio (14.38%) 35/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (0.35%) 20/20
Efficiency Ratio (61.82%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.6B
Customer-funded liabilities
Net Loans
$1.3B
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Embassy Bank for the Lehigh Valley ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Embassy Bank for the Lehigh Valley's score of 77/100 falls in the highlighted band.
Embassy Bank for the Lehigh Valley's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Embassy Bank for the Lehigh Valley's $1.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.38%
Texas Ratio
0.35%
Equity Capital
$127M
Profitability metrics
Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
12.27%
Efficiency Ratio
61.82%
What the numbers say about Embassy Bank for the Lehigh Valley
Embassy Bank for the Lehigh Valley is an FDIC-insured institution (Certificate #57228) headquartered in Bethlehem, Pennsylvania, established in 2001. It holds $1.8B in total assets - 647th of 4,313 FDIC-insured banks, $1.6B in customer deposits, and $1.3B in net loans. Its capital position: a Tier 1 ratio of 14.38%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.35% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (77 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Embassy Bank for the Lehigh Valley sits 30th of 112 banks headquartered in Pennsylvania by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$71M
Interest Income
$3M
Non-Interest Income
$28M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Embassy Bank for the Lehigh Valley reports a Texas Ratio of 0.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Embassy Bank for the Lehigh Valley (FDIC Cert #57228) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Embassy Bank for the Lehigh Valley's health grade?▼
Embassy Bank for the Lehigh Valley receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Embassy Bank for the Lehigh Valley?▼
Embassy Bank for the Lehigh Valley holds $1.8B in total assets and $1.6B in deposits, ranking 647th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bethlehem, Pennsylvania.
Is my money safe at Embassy Bank for the Lehigh Valley?▼
Yes, deposits at Embassy Bank for the Lehigh Valley (Certificate #57228) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Embassy Bank for the Lehigh Valley's Tier 1 Capital Ratio?▼
Embassy Bank for the Lehigh Valley has a Tier 1 Capital Ratio of 14.38%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Embassy Bank for the Lehigh Valley?▼
Embassy Bank for the Lehigh Valley has a Texas Ratio of 0.35%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Embassy Bank for the Lehigh Valley?▼
Embassy Bank for the Lehigh Valley has an Efficiency Ratio of 61.82%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Embassy Bank for the Lehigh Valley's profile as a depositor or analyst.
- Embassy Bank for the Lehigh Valley's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Embassy Bank for the Lehigh Valley against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.