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Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three and Six Months Ended June 30, 2026

EMYB
  • Embassy Bancorp, Inc. filed its Form 10-Q for the period ended June 30, 2026, on August 13, 2026.
  • Cash and cash equivalents reached $132.9 million at June 30, 2026, representing 7.2% of total assets.
  • Deposits totaled $1.69 billion at June 30, 2026, an increase of $53.4 million from December 31, 2025, with no brokered deposits.
  • There were no short-term or long-term borrowings outstanding as of June 30, 2026.
  • Bank net interest margin increased to 2.69% for the quarter ended June 30, 2026, up from 2.43% in the prior year period.
  • Bank return on average assets was 0.91% and return on average equity was 13.63% for the quarter ended June 30, 2026.
  • Bank cost of funds decreased to 1.68% for the quarter ended June 30, 2026, down from 1.81% in the prior year period 2025.
  • The bank's cost of funds of 1.68% was lower than the Pennsylvania peer group average of 1.89% for the quarter ended June 30, 2026.
  • Bank assets per employee stood at $15.2 million at June 30, 2026, compared to a peer group average of $8.0 million.
  • Noncurrent loans to total loans were only 0.05% at June 30, 2026, significantly below the Pennsylvania peer group total of 0.76%.
  • An annual cash dividend of $0.55 per share was declared for the quarter ended June 30, 2026, an increase from $0.48 per share in the prior year.
  • Net income was $4.1 million for the three months ended June 30, 2026, $0.56 per diluted share, 2026 up from $3.4 million, $0.45 per diluted share in the prior year.
  • Net income was $7.9 million for the six months ended June 30, 2026, $1.05 per diluted share, 2026 up from $6.3 million, $0.83 per diluted share in the prior year.
  • Embassy Bancorp operates as the parent of Embassy Bank For the Lehigh Valley, serving the Lehigh Valley region with ten branch locations.
  • The bank was named Lehigh Valley's "Best Bank & Mortgage Company" for the fifth consecutive year by Who's Who in Business.
  • Embassy Bank ranks fourth in deposit market share across Lehigh 2026 and Northampton Counties as of June 2025.
  • The bank holds a 5-Star Bauer Financial rating reflecting strong performance 2026 and long-standing stability.