20.90
0.00%
Close of 9 Nov 2026, in USD
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About Embassy Bancorp
From its filings with the US Securities and Exchange Commission
Embassy Bancorp is based in Bethlehem, Pennsylvania and is incorporated in Pennsylvania. Its shares trade on OTC under the ticker EMYB. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $13.7m. At that date it held total assets of $1.80bn and shareholders' equity of $127.6m.
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.
The Bank, which is the Company’s principal operating subsidiary, was originally incorporated as a Pennsylvania bank on May 11, 2001 and opened its doors on November 6, 2001. It was formed by a group of local business persons and professionals with significant prior experience in community banking in the Lehigh Valley area of Pennsylvania, the Bank’s primary market area.
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. As a locally owned and operated community bank, it maintains a strong focus on service that is highly personalized, efficient, and responsive to local needs. The Company is committed to delivering its products and services with the care, professionalism and customer focus expected of a community bank.
Quoted from its 10-K, filed 16 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 25 Jun 2010
- Employees
- 114
- Website
- embassybank.com ↗
- Head office
- 100 GATEWAY DRIVE, BETHLEHEM, PA, 18017
- Incorporated in
- PA
- Classification
- State Commercial Banks
- Filer status
- Non-accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. David LobachChairman of the Board, President, Chief Executive Officer of the Company and the Bank, since 2001$1.0m
- Ms. Judith HunsickerChief Financial Officer, Chief Operating Officer, First Executive Officer, Secretary, since 2017$938,562
- Mr. Jeffrey SkuminExecutive Vice President - Finance
- Ms. Lynne NeelExecutive Vice President$495,704
- Ms. Diane CunninghamExecutive Vice President of the Company and the Bank$403,924
- Mr. Michael MacyExecutive Vice President
- Ms. Brandi StefanovExecutive Vice President - Branch Administration
- Ms. Jennifer TropeanoExecutive Vice President, Chief Lending Officer Retail Banking
- Mr. Frank BankoDirector$53,873
- Mr. Bernard LesavoyDirector$60,054
- Mr. Geoffrey BoyerIndependent Director$60,000
- Mr. John EnglessonIndependent Director$60,140
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Embassy Bancorp Inc has a strong brand reputation, making it a trusted and recognized name in the industry. This helps attract and retain customers.
- The company has a robust financial position, with healthy profitability and strong cash flow. This provides a solid foundation for growth and investment.
- Embassy Bancorp Inc has a highly experienced and skilled management team, which brings expertise and strategic direction to steer the company towards success.
Weaknesses
- The company operates in a highly competitive market, facing intense competition from other banks and financial institutions. This can pose challenges in terms of market share and customer acquisition.
- Embassy Bancorp Inc may have a limited geographic presence, which restricts its ability to tap into new markets and diversify its revenue streams.
- There might be a lack of technological innovation within the company, which could hinder its ability to adapt to rapidly changing customer preferences and industry trends.
Opportunities
- Embassy Bancorp Inc can leverage its strong brand and customer trust to expand its product and service offerings, attracting new customers and increasing revenue.
- The company can explore strategic partnerships or acquisitions to expand its geographic footprint and enter new markets, allowing for greater growth potential.
- Emerging technologies and digital banking trends provide an opportunity for Embassy Bancorp Inc to enhance its online presence, improve customer experience, and streamline operations.
Threats
- Regulatory changes and compliance requirements pose a significant threat to Embassy Bancorp Inc, as non-compliance can lead to penalties and reputational damage.
- Economic downturns and financial crises can impact the stability of the banking industry and potentially result in reduced demand for banking products and services.
- Cybersecurity threats and data breaches pose a risk to customer privacy and can severely damage the reputation and trust of Embassy Bancorp Inc.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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