Embassy Bancorp, Inc. (EMYB) Embassy Bancorp, Inc. serves as the holding company for Embassy Bank for the Lehigh Valley, offering a comprehensive suite of banking and financial services to individuals, businesses, and government entities across Pennsylvania. The institution provides a range of deposit options, including savings, money market, individual retirement accounts, NOW accounts, as well as demand, time, and certificate of deposits. Its lending portfolio is diverse, featuring secured loans at both fixed and variable rates, commercial financing, and consumer credit products such as residential mortgages, home equity loans and lines of credit, vehicle loans, and unsecured personal loans. The bank also manages mortgage escrow services and offers commercial mortgage and construction financing. Beyond core banking, Embassy Bancorp delivers numerous additional services, including certified checks, wire transfers, merchant payment processing, direct deposit and ACH services (including origination), fraud detection, cash and escrow management, safe deposit boxes, remote deposit capture, mobile and online banking with bill payment, night depository, banking by mail, savings bond redemption, person-to-person payments, and positive pay systems. It further provides gift cards, commercial credit cards, and ATM/debit cards. Established in 2001, the company is headquartered in Bethlehem, Pennsylvania, and operates branch offices within Lehigh and Northampton Counties, specifically located in South Whitehall, Lower Macungie, Bethlehem City, Salisbury, Lower Saucon, Lower Nazareth, Nazareth Borough, and Macungie Borough.
Sector: State Commercial Banks
Industry: Banks - Regional
Embassy Bancorp, Inc. OTC:EMYB Financial Services · Banks - Regional
Mkt Cap $157.67M
Div Yield 2.58%
Mkt Cap $157.67M
Div Yield 2.58%
All Press Release SEC Filings News
Press Release ● Major
Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three and Six Months Ended June 30, 2026
Embassy Bancorp reported strong second-quarter results with net income rising to $4.1 million, or $0.56 per diluted share, up from $3.4 million or $0.45 per share in the prior year.
Operational metrics improved as net interest margin expanded to 2.69% and noncurrent loans remained minimal at 0.05%, significantly outperforming the Pennsylvania peer group.
The board increased the annual cash dividend to $0.55 per share, up from $0.48 a year ago, while deposits grew by $53.4 million to $1.69 billion.
• 2mo ago AI analysis › SEC Filing ⚠ 5
EMYB: 10-Q · periodic report
Embassy Bancorp reported Q2 2026 net income of $4.1 million, up 20.0% from $3.4 million a year earlier, with basic and diluted EPS rising to $0.56 from $0.45. First-half net income grew 24.3% to $7.9 million, or $1.05 per share versus $0.83, and the quarterly dividend was raised to $0.55 per share from $0.48.
The balance sheet expanded meaningfully, with total assets up $58.5 million to $1.86 billion since year-end, driven by $53.4 million of deposit growth to $1.69 billion and $28.7 million of net loan growth to $1.31 billion. Credit quality remained pristine with non-performing loans at just 0.05% of loans and a $12.5 million allowance (0.94% of loans).
Capital and book value strengthened: the bank is well capitalized at a 14.1% common equity Tier 1 ratio, and tangible book value per share rose to $17.29 from $16.90 at year-end. The Board expanded the stock repurchase program by an additional $5 million effective June 1, 2026, with roughly $4.9 million of capacity remaining after 10,000 shares were bought back in Q2 at $21.45. The main blemish is a $48.9 million net unrealized loss on the securities portfolio, which management attributes to higher interest rates rather than credit deterioration.
SEC 10-Q • 2mo ago AI analysis › SEC Filing ⚠ 1
EMYB: 8-K · leadership change
Embassy Bancorp, Inc. announced in an 8-K that director John G. Englesson passed away on August 7, 2026. Englesson had served on the Bancorp board since its formation in 2008 and on the board of its operating subsidiary, Embassy Bank for the Lehigh Valley, since its 2001 founding.
Englesson was President of 6.023 Corporation d.b.a. zAxis Corporation and a principal owner of Chadwick Telecommunications, and held leadership roles with multiple Lehigh Valley economic development organizations. The company credited his business experience and local knowledge as a significant benefit to the board.
The filing discloses no financial impact and no named successor; the event primarily creates a board vacancy and a loss of long-tenured institutional knowledge for the small Pennsylvania community bank.
SEC 8-K • 2mo ago AI analysis › Press Release
Embassy Bancorp, Inc. Ranked 94th Among Nation’s Top 200 Publicly Traded Community Banks by American Banker
Embassy Bancorp was ranked 94th among the top 200 publicly traded community banks by American Banker, based on three-year average return on average equity.
The analysis cited the company's strengths in net interest margin and core deposit growth, alongside disciplined cost management.
CEO David M. Lobach Jr. stated the ranking reflects the bank's relationship-driven model and investments in technology and efficiency.
• 2mo ago AI analysis › SEC Filing
EMYB: 8-K · leadership change
Embassy Bancorp, Inc. announced that Lynne M. Neel, Senior Executive Vice President, intends to retire effective April 2, 2027. Ms. Neel has been with the company since its inception in 2001 and oversaw the growth of total assets to over $1.8 billion.
The company stated that her retirement is not related to any disagreement regarding operations, policies, or practices. Ms. Neel led loan operations, deposit operations, electronic banking, and investor relations.
SEC 8-K • 3mo ago AI analysis › SEC Filing
EMYB: 8-K · proxy statement
Embassy Bancorp held its 2026 annual meeting of shareholders on June 17, 2026, to elect Class 1 Directors and ratify the appointment of its independent auditor.
Shareholders elected Frank "Chip" Banko, III and Geoffrey F. Boyer to serve three-year terms, with an average of 93.00% of votes cast in favor of the nominees.
The proposal to ratify Baker Tilly US, LLP as the independent registered public accounting firm for the year ending December 31, 2026, was approved with 99.70% of votes cast in favor.
SEC 8-K • 4mo ago Press Release
Embassy Bancorp, Inc. Announces Annual Cash Dividend
Embassy Bancorp declared an annual cash dividend of $0.55 per share, payable on July 14, 2026 to shareholders of record on June 26, 2026.
This represents an increase of over 14% compared to last year’s dividend and marks the 17th consecutive year the company has paid a dividend.
CEO David M. Lobach highlighted the strength of performance, noting that the dividend payments reflect a positive financial position as the company approaches its 25th anniversary.
• 4mo ago AI analysis › Press Release
Embassy Bancorp, Inc. Announces Expansion of its Stock Repurchase Program
Embassy Bancorp’s board authorized an additional $5 million for common stock repurchases, expanding its existing program.
The company had already utilized $4.856 million of its initial $5 million authorization, leaving only $144,000 remaining.
CEO David M. Lobach cited the strength of the balance sheet and confidence in the company’s cash flow profile as drivers for the decision.
• 4mo ago AI analysis › Press Release
Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three Months Ended March 31, 2026
Embassy Bancorp reported Q1 2026 net income of $3.7 million, or $0.50 per diluted share, up from $2.9 million ($0.38 EPS) in the prior year period.
The bank’s net interest margin (FTE) expanded to 2.59% from 2.34% year-over-year, while the cost of funds declined to 1.69% from 1.80%.
Deposits grew by $41.6 million to $1.68 billion, with no brokered deposits and no outstanding borrowings. The bank maintains a strong asset quality profile with only 0.04% noncurrent loans.
• 5mo ago AI analysis › SEC Filing
EMYB: 10-Q · periodic report
Embassy Bancorp, Inc. reported a net income of $3.7 million for the three months ended March 31, 2026, an increase of $852 thousand, or 29.5%, from the same period in 2025. This growth was primarily driven by an increase in interest income and a decrease in interest expense.
The company's total assets increased by $41.4 million to $1.84 billion as of March 31, 2026, compared to $1.80 billion at December 31, 2025. The increase was mainly due to a $29.0 million rise in cash and cash equivalents and a $7.7 million increase in securities available for sale.
Embassy Bancorp, Inc. repurchased 150,000 shares of its common stock at an average price of $19.68 per share during the first quarter of 2026, bringing the total repurchased under the stock repurchase program to 258,301 shares with a total dollar value of $4.86 million.
The company's non-performing loans to total loans ratio remained at 0.04%, and the non-performing assets to total assets ratio was 0.03%, indicating a stable and low-risk loan portfolio.
SEC 10-Q • 5mo ago AI analysis › News
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