Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three Months and Year Ended December 31, 2025

Core Viewpoint - Embassy Bancorp, Inc. reported strong financial performance for the fiscal year ended December 31, 2025, with significant increases in net income and deposits, reflecting its stability and growth in the community banking sector [1][6]. Financial Performance - Cash and cash equivalents were $112.9 million, representing 6.3% of total assets as of December 31, 2025 [6]. - Total deposits increased by $87.3 million, or 5.6%, reaching $1.64 billion compared to $1.55 billion at the end of 2024 [6]. - Net income for the year was $13.7 million, or $1.79 per diluted share, marking a 31% increase from $10.4 million, or $1.37 per diluted share, in 2024 [6]. Operational Metrics - The bank's net interest margin (FTE) rose to 2.60% for the quarter ended December 31, 2025, up from 2.52% in the previous quarter and 2.28% in the same quarter of the prior year [6]. - The cost of funds decreased to 1.76% for the quarter ended December 31, 2025, down from 1.82% in the previous quarter and 1.91% in the same quarter of the prior year [6]. - Noncurrent loans to total loans were only 0.04% as of December 31, 2025, unchanged from the previous year and significantly lower than the Pennsylvania peer group average of 0.59% [6]. Market Position - Embassy Bank was recognized as the "Best Bank & Mortgage Company" in the Lehigh Valley for the fifth consecutive year and ranked fourth in deposit market share in Lehigh and Northampton Counties as of June 2025 [3]. - The bank holds a 5-star Bauer Financial rating, indicating strong performance and stability [3].