Embassy Bancorp Inc
embassybank.comWhat Do They Do?
Provides deposit accounts, commercial and consumer loans, and related banking services to consumers, businesses, and professionals in Pennsylvania’s Lehigh Valley.
10-K for FY2025, filed Mar 16, 2026The Company provides a full range of traditional financial products and services to meet the deposit and credit needs of consumers…View ↗
The Company is headquartered in Hanover Township, Northampton County, Pennsylvania, and draws the majority of its deposits and business…View ↗
The Company operates as an independent community financial services provider, offering traditional banking and related financial services…View ↗
How Do They Make Money?
Earns interest on loans and investments while paying interest on deposits and borrowings; it also charges fees for card processing, account services and transactions, generally received when a service or transaction is completed or during the monthly service period.
10-K for FY2025, filed Mar 16, 2026The majority of the Company’s earnings derives from net interest income, which is the difference between income earned on assets and the…View ↗
Fee income consists of revenue that is not interest-related. The Company earns fee income by charging customers for various banking…View ↗
Non-Interest IncomeView ↗
$71.5M
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10-K for FY2025, filed Mar 16, 2026
$71.5M ↗
Who Are Their Customers?
Serves consumers, businesses and professionals in the Lehigh Valley with deposits, loans and related services through branch offices and electronic banking.
10-K for FY2025, filed Mar 16, 2026The Company provides a full range of traditional financial products and services to meet the deposit and credit needs of consumers…View ↗
The Company is headquartered in Hanover Township, Northampton County, Pennsylvania, and draws the majority of its deposits and business…View ↗
The Company continually evaluates strategic locations for additional branch offices within the Lehigh Valley, complimented by convenient…View ↗
The Company operates as an independent community financial services provider, offering traditional banking and related financial services…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 19 cents of every revenue dollar as net income in FY2025 and turned 17 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 50% in 4 years, from $47.5M in FY2021 to $71.5M in FY2025, about 11% a year.
Broader commercial lending target
The commercial lending target has broadened to businesses with higher annual revenues, while continuing to include business owners, real estate operators, and legal and medical professionals.
10-K for FY2022, filed Mar 17, 2023 10-K for FY2025, filed Mar 16, 2026The Company typically targets businesses with annual revenues of less than $15 million, including business owners, operators of real…View ↗
The Company focuses on lending to businesses with annual revenues of less than $30 million, including business owners, real estate…View ↗
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