Here are the 10-K annual reports from Embassy Bancorp Inc (EMYB) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow EMYB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full EMYB filings page.
Embassy Bancorp, Inc. files its annual report describing its community banking operations in Pennsylvania’s Lehigh Valley and related regulatory and risk profile. The company operates ten branches, holds a 9.05% combined deposit market share in Northampton and Lehigh Counties, and focuses on relationship-based lending and deposits.
Embassy emphasizes commercial and residential real estate lending, maintains an available-for-sale securities portfolio of $341.9 million, and reported $12.5 million of other comprehensive income from unrealized securities gains in 2025. At December 31, 2025, the bank and holding company were classified as well capitalized under Basel III standards. Non-affiliate equity market value was $87.9 million, with 7,563,375 common shares outstanding as of March 6, 2026. The report details extensive interest-rate, credit, liquidity, competition, cybersecurity, and regulatory risks that could affect earnings and capital.