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.
The Embassy Bancorp, Inc. (EMYB) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a publicly traded bank holding company. Embassy Bancorp, incorporated in Pennsylvania and parent of Embassy Bank For the Lehigh Valley, files annual reports on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K with the U.S. Securities and Exchange Commission. These filings consolidate financial and operational information for the holding company and its full-service community bank subsidiary.
In its Form 10-K and Form 10-Q reports, Embassy Bancorp presents detailed financial statements and management discussion, including data on cash and cash equivalents, deposit levels, net interest margin, cost of funds, asset quality measures such as noncurrent loans and nonperforming assets, and net income with earnings per share. The company also discloses comparisons to a Pennsylvania peer group of stock banks with assets between $100 million and $5 billion, which helps readers understand how its cost of funds, assets per employee, and credit quality metrics relate to similar institutions.
Current reports on Form 8-K and 8-K/A document material events and governance decisions. Recent examples include the authorization of a stock repurchase program for up to $5 million of common stock, the promotion of a Chief Financial Officer, the furnishing of investor presentations, and the board’s decision on the frequency of advisory votes on executive compensation following shareholder input. These filings provide insight into Embassy Bancorp’s capital management, leadership structure, and shareholder engagement practices.
On Stock Titan, users can review EMYB’s 10-K and 10-Q filings for in-depth financial information and track 8-K disclosures for timely updates on corporate actions. The platform also surfaces insider and governance-related information where available through SEC forms such as Form 4 and proxy-related disclosures, helping readers see how executives and directors interact with the company’s equity and compensation policies. AI-powered tools summarize lengthy filings and highlight key points, allowing users to quickly understand the main themes in Embassy Bancorp’s regulatory reports without reading every page.
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.
Embassy Bancorp, Inc. director John G. Englesson reported an open-market sale of company stock. On 12/03/2025, he sold 3,000 shares of Embassy Bancorp common stock at a price of $17.73 per share. After this transaction, he beneficially owns 29,539.4434 shares directly, plus 3,735.2598 shares through his spouse, 8,132 shares through an IRA, and 1,300 shares through his spouse’s IRA.
The filing notes that portions of these direct and spousal holdings include shares accumulated through a dividend reinvestment plan, meaning some stock was acquired automatically as dividends were paid rather than through separate cash purchases.
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.
Embassy Bancorp, Inc. furnished an investor presentation under Item 7.01 (Regulation FD). The presentation, intended for meetings with select investors, stakeholders and other interested parties during the third quarter of 2025, is attached as Exhibit 99.1 titled “Stakeholder Presentation November 6, 2025.”
The materials are being furnished to the SEC and are not deemed filed.