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

BETHLEHEM, Pa., Nov. 14, 2025 (GLOBE NEWSWIRE) -- On November 13, 2025, Embassy Bancorp, Inc. (OTCQX: EMYB) (the “Company”) filed its Quarterly Report on Form 10-Q for the period ended September 30, 2025, a copy of which can be found at https://investors.embassybank.com/sec-filings/documents/default.aspx.

Highlights of the filing, which includes consolidated financial information of the Company and Embassy Bank For the Lehigh Valley (the “Bank”), the Company’s wholly owned subsidiary, include:

• Cash and cash equivalents on hand of $108.0 million at September 30, 2025, or 6.1% of total assets.
• Deposits of $1.62 billion at September 30, 2025, an increase of $67.6 million, or 4.4%, 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 nine months ended September 30, 2025.
• Bank net interest margin (FTE) increased to 2.52% for the quarter ended September 30, 2025, up from 2.43% for the quarter ended June 30, 2025, and up from 2.21% for the prior year quarter ended September 30, 2024.
• Bank cost of funds of 1.82% for the quarter ended September 30, 2025, up slightly from 1.81% for the quarter ended June 30, 2025, and down from 1.98% for the prior year quarter ended September 30, 2024. In comparison, the Pennsylvania peer group (stock banks headquartered in Pennsylvania with assets between $100 million and $5 billion) reported a cost of funds of 2.11% for the quarter ended September 30, 2025.
• Bank assets per employee of $15.7 million at September 30, 2025, compared to the Pennsylvania peer group assets per employee of $8.0 million.
• Bank noncurrent loans to total loans of only 0.04% as of September 30, 2025, compared to the Pennsylvania peer group total of 0.60%.
• Continued increase in the Bank return on average assets, at 0.87% for the quarter ended September 30, 2025, up from 0.79% for the quarter ended June 30, 2025.
• Net income of $3.8 million, or $0.50 per diluted share, for the three months ended September 30, 2025, up from $2.7 million, or $0.36 per diluted share, for the prior year three months ended September 30, 2024. Net income of $10.1 million, or $1.32 per diluted share, for the nine months ended September 30, 2025, up from $7.7 million, or $1.02 per diluted share, for the prior year nine months ended September 30, 2024.