Welcome to our dedicated page for Embassy Bancorp SEC filings (Ticker: EMYB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Embassy Bancorp's SEC filings reveal the financial mechanics of a community bank holding company operating in Pennsylvania's Lehigh Valley. For investors analyzing small-cap bank stocks, these regulatory documents provide unfiltered insight into loan portfolio composition, deposit stability, and the interest rate sensitivity that drives community bank earnings.
The company's 10-K annual reports detail Embassy Bank's lending activities across commercial real estate, business loans, and residential mortgages. Unlike diversified financial institutions, community banks like Embassy Bank derive most revenue from net interest income—the spread between what they earn on loans and pay on deposits. The 10-K breaks down these components and reveals credit quality metrics that signal portfolio health.
Quarterly 10-Q filings track how Embassy Bancorp navigates changing interest rate environments. Community bank profitability often moves with rate cycles, and these reports show quarter-over-quarter changes in net interest margin, provision for loan losses, and nonperforming asset levels. Our AI summaries highlight these trends without requiring you to parse banking industry accounting conventions.
Form 4 insider transactions track buying and selling activity by Embassy Bancorp's directors and officers. At smaller community banks, insider ownership often runs higher than at larger institutions, making these filings particularly relevant for gauging management confidence. The filing feed shows transaction details including shares traded, prices, and resulting ownership stakes.
Material events disclosed through 8-K filings cover dividend declarations, executive changes, and other developments requiring immediate disclosure. For a community bank focused on a single geographic market, these filings often reflect local strategic decisions rather than complex corporate transactions.
Embassy Bancorp, Inc.December 5, 2025, he purchased 1,000 shares of common stock at $17.70. On December 8, 2025, he purchased another 1,000 shares directly at $17.80, bringing his directly held common stock to 368,546.2475 shares.
Additional indirect purchases on December 8, 2025 included 145 shares at $17.80 for an IRA that now holds 118,100 shares, 100 shares at $17.80 for a spouse IRA that now holds 54,700 shares, and 25 shares at $17.80 for a PUGTMA account for a grandchild that now holds 998.4998 shares. The filing is for one reporting person and was signed under power of attorney.
Embassy Bancorp, Inc. Chairman, President and CEO David M. Lobach, Jr., who is also a director, reported an open-market purchase of company common stock. On 12/03/2025 he acquired 1,444 shares of common stock at a price of $17.73 per share. Following this transaction, he directly owns 366,546.2475 shares, and also has indirect holdings of 117,955 shares through an IRA, 54,600 shares through a spouse’s IRA, and 973.4998 shares as custodian for a grandchild. The filing notes that an increase of 5,245 direct shares reflects shares that were previously held indirectly in an IRA.
Embassy Bancorp, Inc. director Bernard M. Lesavoy reported an open-market purchase of company stock. On 12/03/2025, a transaction coded "P" shows he acquired 500 shares of common stock at a price of $17.73 per share. Following this transaction, he beneficially owns 130,064.6342 shares directly. In addition, he reports various indirect holdings, including shares held in an IRA, several PUGTMA accounts for his children, a spouse’s IRA, and Red Bird Associates LLC, reflecting a mix of personal and family-related ownership.
Embassy Bancorp, Inc. officer Lynne M. Neel reported an open-market purchase of company stock. On 12/03/2025, Neel acquired 300 shares of common stock at a price of $17.73 per share, in a transaction coded "P" for a purchase. Following this transaction, Neel beneficially owned 10,709.8721 shares of Embassy Bancorp common stock held directly.
The reported holdings include 209.082729 shares acquired through the Embassy Bancorp, Inc. Employee Stock Purchase Plan and 168.5753 shares acquired under the dividend reinvestment plan. The form was filed as a single-reporting-person Form 4, reflecting Neel's status as Senior Executive Vice President of the company.
Embassy Bancorp, Inc. executive vice president of finance Jeffrey C. Skumin reported an open-market purchase of common stock. On 12/03/2025 he acquired 250 shares of Embassy Bancorp common stock at a price of $17.73 per share. After this transaction, he beneficially owned a total of 2,605.5334 shares. This total includes 250.899274 shares acquired under the Embassy Bancorp, Inc. Employee Stock Purchase Plan and 53.78281 shares acquired through the dividend reinvestment plan. The filing was made on Form 4 for a single reporting person and indicates direct ownership of the shares.
Embassy Bancorp, Inc. announced that Jeffrey C. Skumin has been promoted to Chief Financial Officer of the company and its subsidiary, Embassy Bank For the Lehigh Valley, effective December 31, 2025. Skumin, age 49, joined Embassy in March 2020 and has been serving as Executive Vice President of Finance, where he has overseen the finance department.
In his new role, he will continue to lead the finance function and help guide the organization’s financial strategy and growth. The company states there are no family relationships, special arrangements, or related party transactions connected to his appointment, and no new material compensatory agreements were entered into in connection with this promotion.
Embassy Bancorp, Inc. executive officer Brandi Stefanov reported a small open-market purchase of company stock. On 12/03/2025, common stock was purchased at a price of $17.73 per share, with a total of 56 shares acquired, coded as an acquisition transaction. Following this trade, Stefanov beneficially owns 1,065.4147 shares of Embassy Bancorp common stock, held directly.
The holding total includes fractional shares accumulated through company-sponsored programs, specifically 33.453236 shares acquired under the Employee Stock Purchase Plan and 21.643975 shares acquired through the dividend reinvestment plan. The report is filed as a Form 4 by a single reporting person, who serves as Executive Vice President, Branch Administration.
Embassy Bancorp, Inc. executive Michael B. Macy, EVP and Chief Lending Officer for Business Banking, reported an open-market purchase of company stock. On 12/03/2025, he acquired 1,000 shares of common stock at a price of $17.73 per share, recorded as a purchase transaction.
Following this transaction, Macy beneficially owns 6,188.4908 shares of Embassy Bancorp common stock. This total includes 334.532366 shares acquired through the Embassy Bancorp, Inc. Employee Stock Purchase Plan and 105.51225 shares acquired under the company’s dividend reinvestment plan, indicating ongoing participation in both employee and shareholder stock programs.
Embassy Bancorp, Inc. director Patti Gates Smith reported a sale of company stock in a Form 4 filing. On 12/03/2025, 3,000 shares of common stock were sold at a price of $17.73 per share, coded as an open market sale transaction.
Following this trade, a total of 244,159.8043 shares are reported as beneficially owned indirectly, held by the reporting person as trustee of the Patti G. Smith Living Trust. This total includes 41.82625 shares acquired through a dividend reinvestment plan. The filing was signed under power of attorney by Laura A. Suplee.
Embassy Bancorp, Inc. director reports open-market stock purchase
A director of Embassy Bancorp, Inc. bought 2,000 shares of common stock on 12/03/2025 at a price of $17.73 per share in an open-market purchase coded “P.” After this transaction, the director beneficially owns 57,192.447 shares of Embassy Bancorp common stock in direct form. This total includes 1,602.38 shares that were acquired through the company’s dividend reinvestment plan.
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