Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three and Nine Months Ended September 30, 2025

Core Insights - Embassy Bancorp, Inc. filed its Quarterly Report on Form 10-Q for the period ended September 30, 2025, highlighting its financial performance and operational metrics [1] Company Overview - Embassy Bancorp, Inc. has over $1.7 billion in assets and operates Embassy Bank for the Lehigh Valley, serving the community since 2001 with ten branch locations and a suite of digital banking services [2] - The bank ranks fourth in total deposit market share in Lehigh and Northampton Counties, reinforcing its position as a leading financial institution in the region [3] Financial Performance - Cash and cash equivalents were $108.0 million at September 30, 2025, representing 6.1% of total assets [6] - Total deposits increased by $67.6 million, or 4.4%, to $1.62 billion from $1.55 billion at December 31, 2024 [6] - The bank's net interest margin (FTE) rose to 2.52% for the quarter ended September 30, 2025, up from 2.43% in the previous quarter and 2.21% in the same quarter of the prior year [6] - The cost of funds was 1.82% for the quarter ended September 30, 2025, slightly up from 1.81% in the previous quarter and down from 1.98% in the same quarter of the prior year [6] - The bank's return on average assets increased to 0.87% for the quarter ended September 30, 2025, compared to 0.79% in the previous quarter [6] - Net income for the three months ended September 30, 2025, was $3.8 million, or $0.50 per diluted share, up from $2.7 million, or $0.36 per diluted share, in the same quarter of the prior year [6] Accolades and Recognition - Embassy Bank was named the Reader's Choice "Best Bank" for the 11th consecutive year by The Morning Call and received additional honors for "Best Bank" and "Best Mortgage Company" from Lehigh Valley Style Magazine [4] - Bauer Financial awarded Embassy Bank a 5-star rating, indicating continued financial strength and stability [4]