Embassy Bancorp, Inc. Announces Results of Operations as of and for the Three and Six Months Ended June 30, 2025
Embassy Bancorp (OTCQX: EMYB) reported strong financial results for Q2 2025, with net income reaching $3.4 million ($0.45 per diluted share), up from $2.5 million in Q2 2024. The bank's six-month performance showed net income of $6.3 million ($0.83 per diluted share), compared to $5.0 million in the same period of 2024.
The bank demonstrated solid operational metrics with deposits increasing by $57.2 million to $1.61 billion as of June 30, 2025. Net interest margin improved to 2.43%, up from 2.16% year-over-year, while maintaining a competitive cost of funds at 1.81%. The bank's asset quality remained exceptional with noncurrent loans at just 0.04% of total loans, significantly outperforming the Pennsylvania peer group average of 0.49%.
Embassy Bancorp (OTCQX: EMYB) ha registrato risultati solidi nel Q2 2025, con un utile netto di $3,4 milioni ($0,45 per azione diluita), in aumento rispetto ai $2,5 milioni del Q2 2024. Nei primi sei mesi l'utile netto 猫 stato di $6,3 milioni ($0,83 per azione diluita), rispetto a $5,0 milioni nello stesso periodo del 2024.
La banca ha mostrato indicatori operativi robusti: i depositi sono cresciuti di $57,2 milioni, raggiungendo $1,61 miliardi al 30 giugno 2025. Il margine d'interesse netto 猫 salito al 2,43% dal 2,16% su base annua, mentre il costo dei fondi 猫 rimasto competitivo all'1,81%. La qualit脿 degli attivi 猫 rimasta eccellente, con prestiti non performanti pari a solo il 0,04% del totale, molto al di sotto della media dei pari in Pennsylvania del 0,49%.
Embassy Bancorp (OTCQX: EMYB) inform贸 resultados s贸lidos en el segundo trimestre de 2025, con un ingreso neto de $3.4 millones ($0.45 por acci贸n diluida), frente a $2.5 millones en el segundo trimestre de 2024. En los seis meses, el ingreso neto fue de $6.3 millones ($0.83 por acci贸n diluida), comparado con $5.0 millones en el mismo periodo de 2024.
El banco mostr贸 m茅tricas operativas s贸lidas: los dep贸sitos aumentaron en $57.2 millones hasta $1.61 mil millones al 30 de junio de 2025. El margen de inter茅s neto mejor贸 a 2.43% desde 2.16% interanual, mientras manten铆a un competitivo costo de fondos del 1.81%. La calidad de activos se mantuvo excepcional, con pr茅stamos no corrientes de solo 0.04% del total, muy por debajo del promedio del grupo de pares en Pensilvania del 0.49%.
Embassy Bancorp (OTCQX: EMYB)電� 2025雲� 2攵勱赴鞐� 瓴“頃� 鞁れ爜鞚� 氚滍憸頄堨姷雼堧嫟. 靾滌澊鞚奠潃 $3.4氚彪($0.45 頋劃 欤茧嫻)鞙茧 2024雲� 2攵勱赴鞚� $2.5氚彪鞐愳劀 歃濌皜頄堨姷雼堧嫟. 靸侂皹旮� 靾滌澊鞚奠潃 $6.3氚彪($0.83 頋劃 欤茧嫻)鞙茧, 2024雲� 霃欔赴 雽�牍� $5.0氚彪鞐愳劀 靸侅姽頄堨姷雼堧嫟.
鞚�頄夓潃 鞏戫樃頃� 鞓侅梾 歆�響滊ゼ 氤挫榾鞙茧┌, 鞓堦笀鞚� 2025雲� 6鞗� 30鞚� 旮办 $57.2氚彪 歃濌皜頃� $1.61鞁柕鞐� 雼枅鞀惦媹雼�. 靾滌澊鞛愲歆勳潃 鞝勲厔 霃欔赴 雽�牍� 2.43%搿� 臧滌劆霅橃棃瓿�, 鞛愱笀 臁半嫭 牍勳毄鞚� 1.81%搿� 瓴届焷霠レ潉 鞙犾頄堨姷雼堧嫟. 鞛愳偘 瓯挫爠靹彪弰 鞖办垬頃橃棳 牍勳爼靸侅爜 雽�於滌潃 齑濍寑於滌潣 雼 0.04%鞐� 攵堦臣頃� 韼滌嫟氩犾澊雼堨晞 霃欖 鞐呾泊 韽夑窢 0.49%毳� 韥矊 氚戨弻鞎橃姷雼堧嫟.
Embassy Bancorp (OTCQX: EMYB) a publi茅 de solides r茅sultats pour le deuxi猫me trimestre 2025, avec un b茅n茅fice net de 3,4 M$ (0,45 $ par action dilu茅e), contre 2,5 M$ au T2 2024. Sur six mois, le b茅n茅fice net s'茅l猫ve 脿 6,3 M$ (0,83 $ par action dilu茅e), contre 5,0 M$ sur la m锚me p茅riode en 2024.
La banque a affich茅 de bonnes m茅triques op茅rationnelles : les d茅p么ts ont augment茅 de 57,2 M$ pour atteindre 1,61 Md$ au 30 juin 2025. La marge nette d'int茅r锚t s'est am茅lior茅e 脿 2,43% (contre 2,16% un an plus t么t), tandis que le co没t des fonds restait comp茅titif 脿 1,81%. La qualit茅 des actifs demeure excellente, les pr锚ts non courants repr茅sentant seulement 0,04% du total, bien en dessous de la moyenne des pairs en Pennsylvanie de 0,49%.
Embassy Bancorp (OTCQX: EMYB) meldete starke Ergebnisse f眉r das zweite Quartal 2025:Der Nettogewinn belief sich auf $3,4 Millionen ($0,45 je verw盲sserte Aktie), gegen眉ber $2,5 Millionen im Q2 2024. F眉r die ersten sechs Monate ergab sich ein Nettogewinn von $6,3 Millionen ($0,83 je verw盲sserte Aktie), nach $5,0 Millionen im Vergleichszeitraum 2024.
Die Bank zeigte solide operative Kennzahlen: Die Einlagen stiegen zum 30. Juni 2025 um $57,2 Millionen auf $1,61 Milliarden. Die Nettozinsspanne verbesserte sich auf 2,43% (vorjahr 2,16%), w盲hrend die Fremdmittelkosten mit 1,81% wettbewerbsf盲hig blieben. Die Verm枚gensqualit盲t war ausgezeichnet: notleidende Kredite machten nur 0,04% der Gesamtkredite aus, deutlich unter dem Pennsylvania-Durchschnitt von 0,49%.
- None.
- Cost of funds increased slightly from 1.80% in Q1 2025 to 1.81% in Q2 2025
BETHLEHEM, Pa., Aug. 15, 2025 (GLOBE NEWSWIRE) -- On August 13, 2025, Embassy Bancorp, Inc. (OTCQX: EMYB)聽(the 鈥�Company鈥�) filed its Quarterly Report on Form 10-Q for the period ended June 30, 2025, a copy of which can be found at聽.
Highlights of the filing, which includes consolidated financial information of the Company and Embassy Bank For the Lehigh Valley (the 鈥淏ank鈥�), the Company鈥檚 wholly owned subsidiary, include:
- Cash and cash equivalents on hand of
$91.8 million at June 30, 2025, or5.2% of total assets. - Deposits of
$1.61 billion at June 30, 2025, an increase of$57.2 million , or3.7% , from$1.55 billion at December 31, 2024. The Company does not have any brokered deposits. - Short term borrowings of
$15.6 million at December 31, 2024, were repaid in full on January 2, 2025 and there were no new borrowings required during the six months ended June 30, 2025. - Bank net interest margin (FTE) increased to
2.43% for the quarter ended June 30, 2025, up from2.34% for the quarter ended March 31, 2025, and up from2.16% for the prior year quarter ended June 30, 2024. - Bank cost of funds of
1.81% for the quarter ended June 30, 2025, up slightly from1.80% for the quarter ended March 31, 2025, and down from1.86% for the prior year quarter ended June 30, 2024. This is compared to a Pennsylvania peer group (stock banks headquartered in Pennsylvania with assets between$100 million and$5 billion ) cost of funds of2.10% for the quarter ended June 30, 2025. - Bank assets per employee of
$15.4 million at June 30, 2025, compared to the Pennsylvania peer group assets per employee of$7.9 million . - Bank noncurrent loans to total loans of only
0.04% as of June 30, 2025, compared to the Pennsylvania peer group total of0.49% . - Net income of
$3.4 million , or$0.45 per diluted share, for the three months ended June 30, 2025, up from$2.5 million , or$0.33 per diluted share, for the prior year three months ended June 30, 2024. Net income of$6.3 million , or$0.83 per diluted share, for the six months ended June 30, 2025, up from$5.0 million , or$0.66 per diluted share, for the prior year six months ended June 30, 2024.
About Embassy Bancorp, Inc.
Embassy Bancorp, Inc., with over
For the 10th consecutive year, The Morning Call has honored Embassy Bank as the Reader鈥檚 Choice 鈥淏est Bank鈥�. Embassy was also named 鈥淏est Bank鈥� and 鈥淏est Mortgage Company鈥� in Lehigh Valley Style Magazine鈥檚 Who鈥檚 Who in Business. In addition, Bauer Financial awarded the bank a prestigious 5-star rating, reflecting continued strength and stability.
For more information, visit .
Safe Harbor for Forward-Looking Statements
This document may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Actual results and trends could differ materially from those set forth in such statements due to various risks, uncertainties and other factors. Such risks, uncertainties and other factors that could cause actual results and experience to differ from those projected include, but are not limited to, the following: ineffectiveness of the company鈥檚 business strategy due to changes in current or future market conditions; the effects of competition, and of changes in laws and regulations, including industry consolidation and development of competing financial products and services; interest rate movements; changes in credit quality; difficulties in integrating distinct business operations, including information technology difficulties; volatilities in the securities markets; and deteriorating economic conditions, and other risks and uncertainties, including those detailed in Embassy Bancorp, Inc.鈥檚 filings with the Securities and Exchange Commission (SEC). The statements are valid only as of the date hereof and Embassy Bancorp, Inc. disclaims any obligation to update this information.
Contact:
David M. Lobach, Jr.
Chairman, President and CEO
(610) 882-8800
FAQ
What was Embassy Bancorp's (EMYB) earnings per share for Q2 2025?
How much did Embassy Bancorp's (EMYB) deposits grow in the first half of 2025?
What is Embassy Bancorp's (EMYB) net interest margin for Q2 2025?
How does Embassy Bancorp's (EMYB) loan quality compare to its peers?
What was Embassy Bancorp's (EMYB) cost of funds in Q2 2025?
