Every 10-Q that EMBASSY BANCORP INC (EMYB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, 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. reported solid mid‑year results for the six months ended June 30, 2026. Total assets were $1.86 billion, up from $1.80 billion at December 31, 2025, driven mainly by loan and securities growth. Net loans rose to $1.31 billion, while securities available for sale reached $347.9 million. Deposits increased to $1.69 billion, with non‑interest‑bearing balances growing to $403.2 million.
Profitability improved compared with the prior year. For the quarter, net income was $4.1 million versus $3.4 million a year earlier, and for the six‑month period net income rose to $7.9 million from $6.3 million. Net interest income for the six months increased to $23.5 million from $20.2 million, reflecting higher loan and investment income, partly offset by elevated deposit costs. The company recorded a $404 thousand provision for credit losses versus a net credit of $131 thousand in the prior‑year period, while the allowance reached $12.5 million.
Comprehensive income for the six months was $7.3 million, down from $11.1 million, as net income gains were offset by less favorable unrealized securities valuation adjustments within accumulated other comprehensive loss, which remained significant at $(38.6) million. Capital stayed stable, with total stockholders’ equity of $128.1 million and 7,405,604 common shares outstanding as of August 7, 2026. The company continued shareholder distributions, declaring $0.55 per share in dividends and repurchasing shares into treasury stock.
Embassy Bancorp delivered stronger results for the quarter ended March 31, 2026. Net income rose to $3.7 million from $2.9 million a year earlier, and basic and diluted earnings per share increased to $0.50 from $0.38, driven mainly by higher net interest income.
Total assets reached $1.84 billion, with loans steady at about $1.29 billion and deposits up to $1.68 billion. The net interest margin improved to 2.66% (2.70% tax‑equivalent), while credit quality remained strong, with non‑performing loans at 0.04% of total loans and an allowance equal to 0.93% of loans. Unrealized losses on the available‑for‑sale securities portfolio increased, reducing accumulated other comprehensive income by $3.9 million.
Embassy Bancorp, Inc. reported stronger results for the quarter ended September 30, 2025. Q3 net income was $3.793 million with EPS of $0.50, up from $2.714 million and $0.36 a year ago, as net interest income rose to $10.851 million. For the first nine months, net income reached $10.117 million and EPS was $1.32, compared with $7.742 million and $1.02 in 2024.
Total assets increased to $1.778 billion from $1.704 billion at year‑end, driven by higher securities available for sale of $334.314 million and loans net of $1.268 billion. Deposits were $1.621 billion, up from $1.553 billion. Accumulated other comprehensive loss improved to $(41.532) million from $(50.635) million as unrealized losses narrowed. Credit quality remained stable with nonaccrual loans at $496 thousand and an allowance for credit losses of $11.941 million. After quarter‑end, the company authorized a $5.0 million stock repurchase program, effective October 31, 2025.