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

Rhea-AI Filing Summary

David M. Lobach Jr., Chairman, President and CEO of Embassy Bancorp, Inc. (EMYB), reported multiple open-market purchases of common stock on 09/16/2025. The Form 4 shows four direct purchases totaling 900 shares at prices between $17.25 and $17.40, increasing his direct holdings to 359,857.2475 shares. Additional holdings are reported indirectly: 123,200 shares in an IRA, 54,600 shares in a spouse IRA, and 973.4998 shares as custodian for a grandchild.

Positive

• CEO purchases stock on 09/16/2025, signaling insider confidence
• Timely and complete Section 16 disclosure including POA signature filed 09/17/2025
• Clear separation of direct and indirect holdings (IRA, spouse IRA, custodial)

Negative

• None.

Insights

Financial Analyst

TL;DR: CEO purchased 900 shares across four transactions on 09/16/2025, modestly increasing direct ownership.

The purchases totaling 900 shares at $17.25–$17.40 are small in absolute size but meaningful as insider buying by the CEO, which investors often view as a confidence signal in the company. Direct beneficial ownership after the transactions is reported as 359,857.2475 shares. No derivative transactions were reported. The filing is routine and contains no earnings or debt information.

Corporate Governance Expert

TL;DR: Insider purchases comply with Section 16 reporting; signature by POA filed 09/17/2025.

The Form 4 discloses timely reporting of Section 16 transactions and includes a power-of-attorney signature by Laura A. Suplee dated January 19, 2018, signed on 09/17/2025. The report shows clear segregation of direct and indirect holdings (IRAs and custodial holdings), meeting disclosure norms. There are no indications of Rule 10b5-1 plan usage or amendments in this filing.

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 PA 18017

(City) (State) (Zip)

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

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

3. Date of Earliest Transaction (Month/Day/Year)
09/16/2025

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	09/16/2025		P		100	A	$17.25	359,157.2475	D
Common Stock	09/16/2025		P		300	A	$17.4	359,457.2475	D
Common Stock	09/16/2025		P		400	A	$17.4	359,857.2475	D
Common Stock	09/16/2025		P		100	A	$17.25	123,200	I	By IRA
Common Stock	09/16/2025		P		100	A	$17.25	54,600	I	By Spouse IRA
Common Stock								973.4998	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:

	Laura A. Suplee for David M. Lobach, Jr. under Power of Attorney dated January 19, 2018	09/17/2025
	** 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 transactions did EMYB CEO David M. Lobach Jr. report on 09/16/2025?

He reported four direct purchases totaling 900 shares at prices between $17.25 and $17.40 on 09/16/2025.

How many shares does David M. Lobach Jr. beneficially own after the reported transactions?

Direct beneficial ownership is reported as 359,857.2475 shares following the transactions, with additional indirect holdings in IRAs and custodial accounts.

Were any derivative securities or sales reported in this Form 4 for EMYB?

No derivative securities or dispositions were reported; Table II lists no derivative transactions and all entries are purchases of common stock.

Who signed the Form 4 and when was it filed?

The Form 4 was signed under power of attorney by Laura A. Suplee for David M. Lobach Jr., with signature dated 09/17/2025.

Does the filing indicate use of a Rule 10b5-1 trading plan?

The filing does not check or indicate that the transactions were made pursuant to a Rule 10b5-1(c) plan.