Embassy Bancorp CEO granted 2,784 shares

CEO David M. Lobach Jr. received a new restricted stock award in EMYB and disclosed updated direct and indirect common stock holdings.

Rhea-AI Filing Summary

Embassy Bancorp, Inc. (symbol: EMYB) is the issuer of record for a Form 4 filing submitted to the SEC. Lobach David M Jr reported acquisition or exercise transactions in this Form 4 filing.

Embassy Bancorp, Inc. (EMYB) reported that Chairman, President and CEO David M. Lobach Jr. received a grant of 2,784 shares of restricted common stock on September 18, 2026 under the Amended and Restated 2010 Stock Incentive Plan. These shares vest one-third per year over three years, bringing his directly held common stock to 377,820.6166 shares, with additional indirect holdings through retirement and custodial accounts.

Insider Trade Summary

Grant/Award: 2,784 shares

Grant/Award 4 txns

Insider Lobach David M Jr

Role Chairman, President and CEO

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	2,784	$0.00	$0.00
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 377,820.6166 shares (Direct); Common Stock — 118,900 shares (Indirect, By IRA); Common Stock — 55,400 shares (Indirect, By Spouse IRA); Common Stock — 1,012.293 shares (Indirect, As PUGTMA for Grandchild)

Footnotes (1)

1. F1. Shares of restricted stock granted September 18, 2026 pursuant to the Amended and Restated 2010 Stock Incentive Plan. These shares vest one-third each year over a three year period.

Key Figures

Restricted stock grant: 2,784 shares Direct common stock holdings after grant: 377,820.6166 shares Indirect holdings by IRA: 118,900 shares +3 more

6 metrics

Restricted stock grant 2,784 shares Restricted common stock granted on September 18, 2026 under the Amended and Restated 2010 Stock Incentive Plan

Direct common stock holdings after grant 377,820.6166 shares Direct EMYB common stock held by David M. Lobach Jr. following the September 18, 2026 award

Indirect holdings by IRA 118,900 shares Indirect EMYB common stock held by IRA as of the same report

Indirect holdings by Spouse IRA 55,400 shares Indirect EMYB common stock held by Spouse IRA as of the same report

Custodial PUGTMA holdings 1,012.293 shares Indirect EMYB common stock held as PUGTMA for a grandchild

Vesting schedule 3 years Restricted shares vest one-third each year over a three-year period

Key Terms

restricted stock, Amended and Restated 2010 Stock Incentive Plan, IRA, PUGTMA

4 terms

restricted stock financial

"Shares of restricted stock granted September 18, 2026 pursuant to the Amended and Restated 2010 Stock Incentive Plan"

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

Amended and Restated 2010 Stock Incentive Plan financial

"granted September 18, 2026 pursuant to the Amended and Restated 2010 Stock Incentive Plan"

IRA financial

"total shares following transaction listed as indirect ownership By IRA"

An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.

PUGTMA financial

"nature of ownership reported as As PUGTMA for Grandchild"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did EMYB disclose for David M. Lobach Jr. on September 18, 2026?

Embassy Bancorp, Inc. disclosed that David M. Lobach Jr. received a grant of 2,784 shares of restricted common stock on September 18, 2026 as an award under the Amended and Restated 2010 Stock Incentive Plan.

How do the new restricted EMYB shares for the CEO vest?

The 2,784 restricted shares of Embassy Bancorp common stock granted to the CEO vest one-third each year over a three-year period, according to the disclosure tied to the company’s Amended and Restated 2010 Stock Incentive Plan.

How many EMYB shares does the CEO hold directly after this Form 4 transaction?

After the restricted stock grant, David M. Lobach Jr. holds 377,820.6166 shares of Embassy Bancorp common stock directly, as reported in the Form 4 filing for the September 18, 2026 transaction.

What indirect EMYB holdings does the CEO report through retirement accounts?

David M. Lobach Jr. reports indirect holdings of 118,900 EMYB shares held by IRA and 55,400 EMYB shares held by Spouse IRA, in addition to his direct holdings and other indirect custodial shares.

Does the CEO hold EMYB shares as custodian for a grandchild?

Yes. The Form 4 reports 1,012.293 EMYB shares held indirectly by David M. Lobach Jr. as PUGTMA for a grandchild, in addition to his direct and IRA-related holdings.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/21/2026 - 02:08 PM Accepted by SEC EDGAR 09/21/2026 - 02:07 PM Learn about SEC filing dates

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^*

Lobach David M Jr

(Last) (First) (Middle)

100 GATEWAY DRIVE, SUITE 100

(Street)

BETHLEHEM PENNSYLVANIA 18017

(City) (State) (Zip)

UNITED STATES

(Country)

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

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

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chairman, President and CEO

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/18/2026

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

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

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

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	09/18/2026		A		2,784(1)	A	$0	377,820.6166	D
Common Stock								118,900	I	By IRA
Common Stock								55,400	I	By Spouse IRA
Common Stock								1,012.293	I	As PUGTMA for Grandchild

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 September 18, 2026 pursuant to the Amended and Restated 2010 Stock Incentive Plan. These shares vest one-third each year over a three year period.

	Laura A. Suplee for David M. Lobach Jr. under Power of Attorney dated January 19, 2018	09/21/2026
	** 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.
* Form 4: SEC 1474 (03-26)