Welcome to our dedicated page for Embassy Bancorp SEC filings (Ticker: EMYB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Embassy Bancorp's SEC filings reveal the financial mechanics of a community bank holding company operating in Pennsylvania's Lehigh Valley. For investors analyzing small-cap bank stocks, these regulatory documents provide unfiltered insight into loan portfolio composition, deposit stability, and the interest rate sensitivity that drives community bank earnings.
The company's 10-K annual reports detail Embassy Bank's lending activities across commercial real estate, business loans, and residential mortgages. Unlike diversified financial institutions, community banks like Embassy Bank derive most revenue from net interest income—the spread between what they earn on loans and pay on deposits. The 10-K breaks down these components and reveals credit quality metrics that signal portfolio health.
Quarterly 10-Q filings track how Embassy Bancorp navigates changing interest rate environments. Community bank profitability often moves with rate cycles, and these reports show quarter-over-quarter changes in net interest margin, provision for loan losses, and nonperforming asset levels. Our AI summaries highlight these trends without requiring you to parse banking industry accounting conventions.
Form 4 insider transactions track buying and selling activity by Embassy Bancorp's directors and officers. At smaller community banks, insider ownership often runs higher than at larger institutions, making these filings particularly relevant for gauging management confidence. The filing feed shows transaction details including shares traded, prices, and resulting ownership stakes.
Material events disclosed through 8-K filings cover dividend declarations, executive changes, and other developments requiring immediate disclosure. For a community bank focused on a single geographic market, these filings often reflect local strategic decisions rather than complex corporate transactions.
Embassy Bancorp, Inc. executive Judith A. Hunsicker, who serves as FEO, COO and CFO, reported an automatic share withholding related to equity compensation. On 12/29/2025, 615 shares of common stock were withheld at $18.34 per share in a transaction coded "F," which reflects shares used to cover tax obligations upon vesting of restricted stock awards. After this transaction, she directly owned about 70,794.348 common shares and indirectly held 20,391 shares through an IRA. The explanation notes that the shares were repurchased by the issuer under a SEC Rule 10b5-1 plan to satisfy withholding tax obligations.
Embassy Bancorp, Inc. insider David M. Lobach Jr., the company’s Chairman, President and CEO, received a grant of 3,429 shares of restricted common stock on December 15, 2025 under the Amended and Restated 2010 Stock Incentive Plan.
The restricted shares vest in equal installments, with one-third vesting each year over a three-year period. Following this grant, he beneficially owns 371,975.2475 common shares directly, along with additional indirect holdings through an IRA, his spouse’s IRA, and a custodial account for a grandchild.
Embassy Bancorp, Inc. reported that an officer serving as FEO, COO and CFO received 2,378 shares of restricted common stock on December 15, 2025 at a grant price of $0 under the Amended and Restated 2010 Stock Incentive Plan. These restricted shares vest in equal one-third installments over a three-year period.
After this grant, the officer beneficially owned 71,409.348 shares of common stock directly, which include 334.532366 shares from the Employee Stock Purchase Plan and 1,998.311625 shares from the dividend reinvestment plan. The officer also indirectly owned 20,391 shares through an IRA.
Embassy Bancorp, Inc. reported that Sr. Executive Vice President Diane M. Cunningham received a grant of 838 shares of restricted common stock on December 15, 2025 at a price of $0 under the Amended and Restated 2010 Stock Incentive Plan.
The restricted shares vest in three equal annual installments over three years. After this award, she directly beneficially owns 15,837.4241 shares, plus 2,508 shares held through an IRA and 2,940 shares held through a spouse’s IRA, including 167.266182 shares acquired under the employee stock purchase plan and 321.886760 shares acquired through the dividend reinvestment plan.
Embassy Bancorp, Inc. reported an insider equity grant to Sr. Executive Vice President Lynne M. Neel. On December 15, 2025, she received 838 shares of restricted common stock under the Amended and Restated 2010 Stock Incentive Plan at a stated price of $0, reflecting stock-based compensation rather than a market purchase. These restricted shares vest in equal one-third installments each year over a three-year period. Following this award, Neel beneficially owns 11,547.8721 shares of Embassy Bancorp common stock in direct ownership.
Embassy Bancorp, Inc. executive Michael B. Macy, EVP and CLO Business Banking, received a grant of 459 shares of restricted common stock on December 15, 2025 under the Amended and Restated 2010 Stock Incentive Plan.
These shares vest in equal one-third installments over three years, tying the award to ongoing service and performance. After this grant, Macy beneficially owns 6,647.4908 shares of Embassy Bancorp common stock directly.
Embassy Bancorp, Inc. reported an insider equity award to its EVP, Consumer Lending, who serves as an officer of the company. On December 15, 2025, the officer received 338 shares of restricted common stock at a stated price of $0 under the Amended and Restated 2010 Stock Incentive Plan.
These restricted shares vest in three equal annual installments over a three-year period, linking compensation to ongoing service. After this grant and activity in company share programs, the officer beneficially owns 2,187.5252 shares of Embassy Bancorp common stock directly, including shares accumulated through the employee stock purchase plan and the dividend reinvestment plan.
Embassy Bancorp, Inc. reported an insider equity award for an executive officer. On December 15, 2025, the officer serving as EVP, Branch Administration acquired 303 shares of common stock at $0 per share as a grant of restricted stock under the Amended and Restated 2010 Stock Incentive Plan.
Following this grant, the officer beneficially owns 1,368.4147 shares of Embassy Bancorp common stock, held as direct ownership. The restricted shares vest one-third each year over a three-year period, aligning the executive’s compensation with the company’s long-term performance.
Embassy Bancorp, Inc. reported an insider equity award to its executive vice president of finance. On December 15, 2025, the officer received 442 shares of restricted common stock at $0 per share under the company’s Amended and Restated 2010 Stock Incentive Plan. These restricted shares vest in three equal installments over a three-year period, with one-third vesting each year. After this grant, the officer beneficially owns 3,047.5334 shares of Embassy Bancorp common stock directly.
Embassy Bancorp, Inc. director Bernard M. Lesavoy reported open-market purchases of company stock. On December 8, 2025, he bought a total of 300 shares of Embassy Bancorp common stock in three separate transactions at prices of $17.82, $17.95, and $17.90 per share, all recorded as acquisitions in an IRA account. After these trades, his IRA held 50,554 shares of Embassy Bancorp common stock, with additional indirect holdings reported through personal, family, and entity accounts.
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