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EMYB on OTC

Embassy Bancorp, Inc.

American state commercial bank, incorporated in Pennsylvania1

In its 2026 annual report the company says: “Embassy Bancorp, Inc. is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended. The Company provides a full range of traditional financial products and services to meet the deposit and credit needs of consumers, businesses, and professionals in its market area.”3 It is headquartered in Bethlehem, Pennsylvania.1 Its shares trade on OTC under the symbol EMYB.1

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Last updated Oct 21, 2026.

Overview

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  • TickerEMYB on OTC1
  • IndustryState Commercial Banks1
  • HeadquartersBethlehem, Pennsylvania1
  • Incorporated inPA2
  • Business address100 Gateway Drive, Suite 100, Bethlehem, Pa 180172
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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Embassy Bancorp, Inc. (the “Company”) is a Pennsylvania corporation organized in 2008 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company was formed for purposes of acquiring Embassy Bank For The Lehigh Valley (the “Bank”) in connection with the reorganization of the Bank into a bank holding company structure, which was consummated on November 11, 2008. The reorganization enabled the Company to better compete and grow in its competitive and rapidly changing marketplace. Accordingly, the Company owns all of the capital stock of the Bank, giving the organization more flexibility in meeting its capital needs as the Company continues to grow.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income456789$13.7M in 2025+26% since 2019
0$5.0M$10.0M$15.0M$20.0M2019: $10.9M$10.9M20192020: $12.8M$12.8M2020+18%2021: $16.8M$16.8M2021+31%2022: $17.7M$17.7M2022+5%2023: $12.7M$12.7M2023−29%2024: $10.4M$10.4M2024−18%2025: $13.7M$13.7M2025+31%

Every line of the income statement as filed: the last 2 fiscal years, latest first.9

Period ending2025-12-312024-12-31
Loans, including fees$58.3M$54.3M
Securities, taxable$8.7M$6.4M
Securities, non-taxable$1.2M$1.2M
Short-term investments, including federal funds sold$3.3M$3.1M
Total Interest Income$71.5M$65.0M
Deposits$28.9M$28.2M
Securities sold under agreements to repurchase and federal funds purchased$144.0K$545.0K
Short-term borrowings$2.0K$11.0K
Total Interest Expense$29.0M$28.8M
Net Interest Income$42.4M$36.2M
PROVISION (CREDIT) FOR CREDIT LOSSES$109.0K-$433.0K
Net Interest Income after Provision (Credit) for Credit Losses$42.3M$36.6M
Merchant and credit card processing fees$257.0K$323.0K
Debit card interchange fees$929.0K$910.0K
Other service fees$722.0K$640.0K
Bank owned life insurance$1.3M$1.3M
Gain on sale of other real estate owned$29.0K
Total Other Non-Interest Income$3.3M$3.2M
Salaries and employee benefits$15.1M$14.2M
Occupancy and equipment$4.2M$4.1M
Data processing$3.6M$2.9M
Advertising and promotion$847.0K$928.0K
Professional fees$1.1M$1.1M
FDIC insurance$805.0K$793.0K
Loan & real estate$303.0K$244.0K
Charitable contributions$985.0K$934.0K
Other$2.0M$2.0M
Total Other Non-Interest Expenses$29.0M$27.3M
Income before Income Taxes$16.6M$12.5M
INCOME TAX EXPENSE$2.9M$2.1M
Net Income$13.7M$10.4M
BASIC EARNINGS PER SHARE$1.79$1.37
DILUTED EARNINGS PER SHARE$1.79$1.37
DIVIDENDS PER SHARE$0.48$0.42

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Corporate structure

Embassy Bancorp, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Embassy Bancorp, Inc.

  • Fourthstone LLC Filed SCHEDULE 13G/A on Embassy Bancorp, Inc., latest Aug 14, 2025 (2 filings since May 13, 2025)
  • Embassy Bancorp, Inc. Bethlehem, Pennsylvania

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Embassy Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$11.3M9 Dec 31, 2025$11.0M9 Dec 31, 2024+2.8%
Accumulated depreciation$8.5M9 Dec 31, 2025$7.7M9 Dec 31, 2024+9.8%
Property and equipment, net$2.9M9 Dec 31, 2025$3.3M9 Dec 31, 2024−13.3%
Operating-lease assets (leased space)$4.5M9 Dec 31, 2025$6.0M9 Dec 31, 2024−25.0%

Investments

ItemLatestA year beforeChange
Debt securities available for sale$341.9M9 Dec 31, 2025$280.8M9 Dec 31, 2024+21.8%
Deposits held (banks)$1.6B9 Dec 31, 2025$1.6B9 Dec 31, 2024+5.6%

Properties, in its own words

The Company, through the Bank, occupies ten (10) full-service banking offices in the Lehigh Valley:

Northampton County:

The rest of Item 2

 · Hanover Township (includes administrative offices)

 · Lower Saucon Township

 · Lower Nazareth Township

 · Borough of Nazareth

Lehigh County:

 · South Whitehall Township

 · Salisbury Township

 · Lower Macungie Township

 · City of Bethlehem

 · Borough of Macungie

 · City of Allentown

Of the ten (10) offices, the Company currently leases nine (9) of its premises and leases the land at Borough of Macungie branch. The Borough of Macungie branch building is owned by the Company. The Company’s headquarters is located in Bethlehem, PA.

Item 2 of the 10-K filed Mar 16, 2026.3

Leadership

Who has led Embassy Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. David M. Lobach Jr.2010–now

Chair

  1. David M. Lobach Jr.2023–now

President

  1. David M. Lobach Jr.2010–now

Chief financial officer

  1. Judith A. Hunsicker2010–2026
  2. Jeffrey C. Skumin2026–now

Chief operating officer

  1. Judith A. Hunsicker2010–now
2010201520202025
Board members and other officers (20)

Timeline

  1. Aug 11, 20268-K Executive or director change35
  2. Jul 21, 20268-K Executive or director change36
  3. Jun 18, 20268-K Shareholder vote37
  4. Jun 17, 20268-K Regulation FD disclosure38
  5. Jun 17, 20268-K Other events39
  6. Jun 1, 20268-K Other events40
  7. Dec 5, 20258-K Executive or director change41
  8. Nov 6, 20258-K Regulation FD disclosure42
  9. Oct 31, 20258-K Shareholder vote43
  10. Oct 27, 20258-K Other events44
  11. Jun 20, 20258-K Shareholder vote45
  12. Jun 18, 20258-K Regulation FD disclosure46
  13. May 5, 2010New chief executive David M. Lobach Jr. becomes CEO12

Filings

256 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 26 major events, 194 insider forms, 2 large holders, 14 other. The latest 20:

  1. Sep 24, 20264 PRIMARY DOCUMENT EDGAR
  2. Sep 21, 20264 PRIMARY DOCUMENT EDGAR
  3. Sep 21, 20264 PRIMARY DOCUMENT EDGAR
  4. Aug 31, 20264 PRIMARY DOCUMENT EDGAR
  5. Aug 26, 20264 PRIMARY DOCUMENT EDGAR
  6. Aug 19, 20264 PRIMARY DOCUMENT EDGAR
  7. Aug 13, 202610-Q EDGAR
  8. Aug 11, 20268-K EDGAR
  9. Jul 21, 20268-K EDGAR
  10. Jun 18, 20268-K EDGAR
  11. Jun 17, 20268-K EDGAR
  12. Jun 17, 20268-K EDGAR
  13. Jun 15, 20264 PRIMARY DOCUMENT EDGAR
  14. Jun 15, 20264 PRIMARY DOCUMENT EDGAR
  15. Jun 15, 20264 PRIMARY DOCUMENT EDGAR
  16. Jun 15, 20264 PRIMARY DOCUMENT EDGAR
  17. Jun 15, 20264 PRIMARY DOCUMENT EDGAR
  18. Jun 15, 20264 PRIMARY DOCUMENT EDGAR
  19. Jun 8, 20264 PRIMARY DOCUMENT EDGAR
  20. Jun 4, 20264 PRIMARY DOCUMENT EDGAR

The 256 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

105 open-market trades by officers, directors and large owners since October 2021: 96 buys and 9 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 23, 2026Boyer Geoffrey FDirectorSale1,100$21.65$23.8KForm 4
Sep 22, 2026Boyer Geoffrey FDirectorSale1,100$21.95$24.1KForm 4
Aug 28, 2026Lobach David M JrChairman, President and CEOBuy100$22.30$2.2KForm 4
Aug 26, 2026Lesavoy Bernard MDirectorBuy1,446$22.29$32.2KForm 4
Aug 18, 2026Lobach David M JrChairman, President and CEOBuy2,000$22.33$44.7KForm 4
Jun 15, 2026Macy Michael BEVP, CLO Business BankingBuy1,000$21.45$21.4KForm 4
Jun 15, 2026Skumin Jeffrey C.EVP, CFOBuy50$21.45$1.1KForm 4
Jun 15, 2026Neel Lynne MarieSr. Executive Vice PresidentBuy350$21.45$7.5KForm 4
Jun 15, 2026Lesavoy Bernard MDirectorBuy100$21.45$2.1KForm 4
Jun 15, 2026Lobach David M JrChairman, President and CEOBuy500$21.45$10.7KForm 4
Jun 15, 2026Yurconic John TDirectorBuy500$21.45$10.7KForm 4
Jun 8, 2026Lobach David M JrChairman, President and CEOBuy500$21.03$10.5KForm 4
Jun 4, 2026Lobach David M JrChairman, President and CEOBuy100$20.61$2.1KForm 4
May 18, 2026Lobach David M JrChairman, President and CEOBuy106$20.30$2.2KForm 4
Mar 23, 2026Lobach David M JrChairman, President and CEOBuy200$19.61$3.9KForm 4
Mar 19, 2026Lesavoy Bernard MDirectorBuy1,750$19.67$34.4KForm 4
Mar 19, 2026Lobach David M JrChairman, President and CEOBuy1,050$19.78$20.8KForm 4
Dec 8, 2025Lesavoy Bernard MDirectorBuy300$17.89$5.4KForm 4
Dec 8, 2025Lobach David M JrChairman, President and CEOBuy1,270$17.80$22.6KForm 4
Dec 5, 2025Lobach David M JrChairman, President and CEOBuy1,000$17.70$17.7KForm 4

All 105 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025David M. Lobach$771.1K$1.0M48
2025Judith A. Hunsicker$534.7K$959.9K48
2025Lynne M. Neel$301.2K$519.0K48
2025Diane M. Cunningham$301.2K$431.0K48
2025Jeffrey C. Skumin$259.6K$302.1K48
2024CEOPresident and Chairman$771.1K$1.0M48
2024First Executive Officer and COO$534.7K$938.6K48
2024Sr. Executive Vice PresidentRetail Banking, Retail Lending and Marketing$290.0K$407.6K48

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Siena Capital Partners GP, LLC152,639$3.3M0.8%No change
Philadelphia Trust Co295,906$6.4K0.4%No change

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Embassy Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAREmbassy Bancorp, Inc.1
  • CIK0001449794
  • Employer ID (EIN)26-33390113
  • Filer statusNon-accelerated filer not an emerging growth company; not a shell company3
  • Incorporated inPennsylvania3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address100 Gateway Drive, Suite 100, Bethlehem, PA 180171
  • Phone610-882-88001
  • Shares outstanding7,405,604 as of Aug 7, 202611
  • Public float$87.9M as of Jun 30, 20253
  • AuditorBaker Tilly US, LLP, Allentown, Pennsylvania PCAOB ID 23; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceDec 11, 20081
  • Filings729 in all: 4 (428), 8-K (93), 10-Q (53), 5 (41), 4/A (25), 10-K (18), DEF 14A (18), DEFA14A (12)1
    All 26 form types

    3 (8), ARS (6), S-8 (4), SC 13D (4), 8-K/A (3), 10-K/A (2), PRE 14A (2), UPLOAD (2), 3/A (1), 8-A12G (1), CORRESP (1), NT 10-Q (1), S-3D (1), S-3DPOS (1), S-8 POS (1), SC 13D/A (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Mar 16, 2026
    Quarterly report (10-Q) Aug 13, 2026
    Proxy statement (DEF 14A) Apr 27, 2026
    Latest 8-K (8-K) Aug 11, 2026

Risk factors and legal proceedings

The risks Embassy Bancorp, Inc. names in Item 1A of its 10-K filed Mar 16, 2026: 30 risks under these headings, as written.3

  • Risks Related to Our Business
  • Changes in interest rates may adversely affect our earnings and financial condition.
  • Interest rate volatility could negatively affect our net interest income, lending activities, deposits, and profitability.
  • Changes in the estimated fair value of our securities portfolio may reduce shareholders' equity and net income.
  • Effects of inflation may adversely affect our profitability.
  • The Company is subject to lending risk.
  • Our allowance for credit losses may be insufficient.
  • Our profitability depends significantly on economic conditions in Pennsylvania.
  • Strong competition within our market area may limit our growth and profitability.
  • A lack of liquidity could adversely affect the Company's financial condition and results of operations.
  • If our information systems are interrupted or sustain a breach in security, those events may negatively affect our financial performance and reputation.
  • Our business operations and interaction with customers are increasingly done via electronic means, and this has increased risks related to cyber security.
The other 19 risks
  • We operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.
  • We are required to make a number of judgments in applying generally accepted accounting principles and different estimates and assumptions in the application of these standards could result in a decrease in capital and/or other material changes to our reports of financial condition and results of operations.
  • Prior levels of market volatility were unprecedented and future volatility may have materially adverse effects on the market price of our common stock, our liquidity and financial condition.
  • Our banking subsidiary may be required to pay higher FDIC insurance premiums or special assessments which may adversely affect our earnings.
  • If we conclude that the decline in the value of any of our investment securities is from a credit loss, we are required to write down the value of that security through a charge to earnings.
  • Our financial performance may suffer if our information technology is unable to keep pace with our growth or industry developments.
  • We are highly reliant on third party vendors and our ability to manage the operational risks associated with outsourcing those services.
  • The soundness of other financial institutions may adversely affect us.
  • Risks Related to Our Common Stock
  • The trading volume in our common stock is less than that of larger public companies, which can contribute to volatility in our stock price and adversely affect the liquidity of an investment in our common stock.
  • Our insiders control a substantial percentage of our stock and therefore have the ability to exercise significant control over our affairs.
  • Our ability to pay dividends on our common stock, and principal and interest on our debt, depends primarily on dividends from our banking subsidiary, which is subject to regulatory limits.
  • Provisions of our articles of incorporation and bylaws, Pennsylvania law, state and federal banking regulations, and our significant percentage of insider ownership, could act to delay or prevent a takeover by a third party.
  • If we need to, or are compelled to, raise additional capital in the future, that capital may not be available when it is needed and on terms favorable to current shareholders.
  • Our common stock is equity and is subordinate to all of our existing and future indebtedness.
  • Our common stock is not insured by any governmental entity.
  • General Risk Factors
  • Our controls and procedures may fail or could be circumvented.
  • Loss of our senior executive officers or other key employees could impair our relationship with our customers and adversely affect our business.
  • Acts of terrorism, natural disasters, global climate change, pandemics and global conflicts may have a negative impact on our business and operations.
  • Negative public opinion could damage our reputation and adversely affect our earnings.

Legal proceedings

The Company and the Bank are an occasional party to legal actions arising in the ordinary course of its business. In the opinion of management, the Company has adequate legal defenses and/or insurance coverage respecting any and each of these actions and does not believe that they will materially affect the Company’s operations or financial position.

The opening of Item 3, Legal Proceedings.3

Sources

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