[Form 4] Embassy Bancorp, Inc. Insider Trading Activity

Rhea-AI Filing Summary

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.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Tropeano Jennifer

Role EVP, Consumer Lending

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	338	$0.00	--

Holdings After Transaction: Common Stock — 2,187.525 shares (Direct)

Footnotes (1)

1. Shares of restricted stock granted on December 15, 2025 pursuant to the Amended and Restated 2010 Stock Incentive Plan. These shares vest one-third each year over a three year period. Includes 83.633091 shares acquired under the Embassy Bancorp Inc. Employee Stock Purchase Plan. Includes 24.912395 shares acquired pursuant to the dividend reinvestment plan.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Tropeano Jennifer

(Last) (First) (Middle)

100 GATEWAY DRIVE

(Street)

BETHLEHEM PA 18017

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Embassy Bancorp, Inc. [ emyb ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Consumer Lending

3. Date of Earliest Transaction (Month/Day/Year)
12/15/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	12/15/2025		A		338(1)	A	$0	2,187.5252(2)(3)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares of restricted stock granted on December 15, 2025 pursuant to the Amended and Restated 2010 Stock Incentive Plan. These shares vest one-third each year over a three year period.

2. Includes 83.633091 shares acquired under the Embassy Bancorp Inc. Employee Stock Purchase Plan.

3. Includes 24.912395 shares acquired pursuant to the dividend reinvestment plan.

	Laura A. Suplee for Jennifer Tropeano under Power of Attorney dated July 7, 2023	12/17/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider stock transaction did Embassy Bancorp (EMYB) report for its EVP of Consumer Lending?

Embassy Bancorp reported that its EVP of Consumer Lending acquired 338 shares of restricted common stock on December 15, 2025 at a stated price of $0 under the Amended and Restated 2010 Stock Incentive Plan.

How do the 338 restricted shares granted to the Embassy Bancorp (EMYB) officer vest?

The 338 restricted shares granted on December 15, 2025 vest one-third each year over a three-year period, resulting in three equal annual vesting installments.

How many Embassy Bancorp (EMYB) shares does the officer own after this restricted stock grant?

Following the reported transaction, the officer beneficially owns 2,187.5252 shares of Embassy Bancorp common stock on a direct basis.

Which company share plans contribute to the officers total Embassy Bancorp (EMYB) holdings?

The total includes 83.633091 shares acquired under the Embassy Bancorp Inc. Employee Stock Purchase Plan and 24.912395 shares acquired through the dividend reinvestment plan.

What is the reporting persons role at Embassy Bancorp (EMYB)?

The reporting person is an officer of Embassy Bancorp, serving as EVP, Consumer Lending, as indicated in the relationship section.

Is the reported Embassy Bancorp (EMYB) stock ownership held directly or indirectly?

The 2,187.5252 shares of Embassy Bancorp common stock reported after the transaction are held with an ownership form classified as Direct (D).