Embassy Bancorp, Inc. reports developments for its bank holding company and wholly owned subsidiary, Embassy Bank For the Lehigh Valley, a full-service community bank serving Pennsylvania’s Lehigh Valley since 2001. Recurring updates cover quarterly and annual operating results, deposit-market position in Lehigh and Northampton Counties, branch and digital banking services, and community bank recognitions.
Company news also includes capital actions such as cash dividends and stock repurchase authorization, along with management and business banking appointments that affect the bank’s finance, commercial banking, and local relationship-banking operations.
Embassy Bank for the Lehigh Valley (NYSE:EMYB) was named “Best Bank” in The Morning Call’s 2025 Readers’ Choice Awards on Oct. 22, 2025, marking its 11th win and highlighting community trust and service.
Other 2025 recognitions include Best Bank & Best Mortgage Company (Who’s Who in Business, fourth consecutive year) and a 5-star rating from Bauer Financial. Per the FDIC Summary of Deposits (June 30, 2025), Embassy ranks fourth in deposit market share across Lehigh and Northampton Counties and was the only top-four bank to gain market share during the reporting period.
Embassy Bancorp (OTCQX: EMYB) reported strong financial results for Q2 2025, with net income reaching $3.4 million ($0.45 per diluted share), up from $2.5 million in Q2 2024. The bank's six-month performance showed net income of $6.3 million ($0.83 per diluted share), compared to $5.0 million in the same period of 2024.
The bank demonstrated solid operational metrics with deposits increasing by $57.2 million to $1.61 billion as of June 30, 2025. Net interest margin improved to 2.43%, up from 2.16% year-over-year, while maintaining a competitive cost of funds at 1.81%. The bank's asset quality remained exceptional with noncurrent loans at just 0.04% of total loans, significantly outperforming the Pennsylvania peer group average of 0.49%.
Embassy Bank (OTCQX:EMYB) has announced the appointment of Adrienne Kwiatek-Holub as Vice President of Business Banking. Kwiatek-Holub brings over 30 years of commercial banking experience and strong ties to the Lehigh Valley community.
A Lehigh Valley native, she holds an MBA from Lehigh University and has served as President of Commercial Real Estate Women (CREW) Lehigh Valley. Her achievements include receiving the SUITS Award from Equi-librium Inc. and being recognized as a 2024 Women of Influence by Lehigh Valley Business.
Embassy Bancorp (OTCQX: EMYB) reported strong Q1 2025 financial results, with net income rising to $2.9 million ($0.38 per diluted share), up from $2.5 million ($0.33 per diluted share) in Q1 2024. The bank's deposits increased by $59.0 million to $1.61 billion at March 31, 2025, from $1.55 billion at December 31, 2024.
The bank's performance showed improvements in key metrics, with net interest margin (FTE) increasing to 2.34% in Q1 2025, up from 2.28% in Q4 2024 and 2.20% in Q1 2024. Cost of funds decreased to 1.80%, below the Pennsylvania peer group average of 2.11%. The bank maintains strong asset quality with noncurrent loans at just 0.04% of total loans, significantly better than the peer group's 0.46%.
Embassy Bank (EMYB) has been named "Best Bank & Mortgage Company" in the Who's Who in Business survey for the fourth consecutive year, as featured in Lehigh Valley Style magazine. The survey, conducted by FieldGoals.US, gathered feedback from thousands of Lehigh Valley residents regarding their experiences with local businesses.
Dave Lobach, Chairman, President and CEO of Embassy Bank, emphasized the significance of this community-driven recognition, highlighting the bank's commitment to providing personalized financial solutions as an independent community bank. The award reflects Embassy's consistent delivery of outstanding service and dedication to building trusted relationships within the Lehigh Valley region.
Embassy Bancorp (OTCQX: EMYB) has released its Annual Report for 2024, showing solid financial performance. The company reported net income of $10.4 million ($1.37 per diluted share) and maintained strong liquidity with $96.5 million in cash and cash equivalents, representing 5.7% of total assets.
Deposits grew to $1.55 billion, marking a $76.7 million increase from 2023, with no brokered deposits. The bank's net interest margin improved to 2.28% in Q4 2024, up from 2.21% in Q3. The bank's cost of funds at 1.91% outperformed the Pennsylvania peer group's 2.32%.
Notable operational efficiency is demonstrated by assets per employee of $15.2 million, significantly higher than the peer group's $8.1 million. The bank maintains strong asset quality with nonperforming assets at just 0.14% of total assets, better than the peer group's 0.29%.
Embassy Bancorp (OTCQX: EMYB) reported its Q3 2024 financial results, showing solid performance metrics. The company's cash and equivalents stood at $91.9 million, representing 5.4% of total assets. Deposits increased by $58.9 million to $1.54 billion compared to December 2023. The bank's net interest margin improved to 2.21%, with a competitive cost of funds at 1.98%. Net income reached $2.7 million ($0.36 per diluted share) for Q3 2024, up from $2.5 million in Q2. The bank maintains strong asset quality with nonperforming assets at just 0.07% of total assets.
Embassy Bank for the Lehigh Valley has been named the 2024 Morning Call Readers' Choice for "BEST BANK" in the Lehigh Valley. The bank has also increased its deposit market share in Lehigh & Northampton Counties to 8.86% as of June 30, 2024, up from 8.53% a year earlier. This represents the 4th overall deposit market share position in the FDIC's Summary of Deposits (SOD).
Embassy Bank remains the #1 Lehigh Valley-based bank in the combined counties for market share. The bank operates 10 locations throughout Lehigh and Northampton counties, complemented by digital banking products. The Lehigh Valley's thriving economy, ranked first among mid-sized U.S. markets for development projects, provides significant opportunities for Embassy's growth.
Embassy Bancorp, Inc. (OTCQX: EMYB) reported strong financial results for Q2 2024. Total assets exceeded $1.7 billion, with cash and cash equivalents at $135.9 million (7.9% of total assets). Deposits grew to $1.6 billion, up $91.4 million from December 2023. The company had no short or long-term borrowings as of June 30, 2024, and repaid $35 million in short-term borrowings during H1 2024.
The bank's cost of funds was 1.86%, lower than the Pennsylvania peer group's 2.23%. Assets per employee reached $15.2 million, significantly higher than the peer group's $7.6 million. Nonperforming assets remained low at 0.05% of total assets. Net income for Q2 2024 was $2.5 million ($0.33 per diluted share), and $5.0 million ($0.66 per diluted share) for H1 2024. A dividend of $0.42 per share was declared on June 20, 2024, and paid on July 12, 2024.