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. 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.
Embassy Bancorp, Inc. (EMYB) authorized a stock repurchase program to buy back up to $5 million of its outstanding common stock. The program was announced on October 27, 2025 and becomes effective on October 31, 2025.
Buybacks reduce the share count when executed, which can lift per-share metrics and signal confidence in the company’s outlook. The company referenced a press release for further details, included as an exhibit.
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.
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.
Embassy Bancorp, Inc. director Bernard M. Lesavoy reported an open-market purchase of common stock. On September 11, 2025, an IRA associated with him bought 1,191 shares of Embassy Bancorp common stock at $17.00 per share, an indirect ownership transaction.
Following this purchase, that IRA held 50,254 shares. Separate from the IRA, Lesavoy reported 129,564.6342 shares held directly, plus additional indirect holdings through custodial accounts for his children, a spouse IRA, and Red Bird Associates LLC.