EMYB on OTC

Embassy Bancorp, Inc.

American state commercial bank, incorporated in Pennsylvania. Summary from the record

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Last updated Oct 19, 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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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. 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.

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.

Sources

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