Company: EMYB
Filing Date: 2025-08-13
Form Type: 10-Q
Source: 0001449794-25-000020
Chunk: 23

Company: Embassy Bancorp, Inc.
Filing Date: 2025-08-13
Form: 10-Q
Item: Part I, Item 8
Chunk 23
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 respect to a variety of factors, including the performance of the loan portfolio, the weighted-average remaining lives of different classifications of loans within the loan portfolio and current and forecasted economic conditions, among other factors;the effects of the extensive level of regulation and supervision to which the Company and Bank are subject;changes in regulation and government policy, which could result in significant changes in banking and financial services regulation;the continuing impact of the Dodd-Frank Act on the Company’s business and results of operations;the potential for negative consequences resulting from regulatory violations, investigations and examinations, including potential supervisory actions, the assessment of fines and penalties, the imposition of sanctions, the need to undertake remedial actions and possible damage to the Company’s reputation;the effects of adverse outcomes in litigation and governmental or administrative proceedings;the effects of changes in U.S. federal, state or local tax laws;the effects of the significant amounts of time and expense associated with regulatory compliance and risk management;geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or threats of terrorism and/or military conflicts, which could impact business and economic conditions in the United States and abroad;public health crises and pandemics and their effects on the economic and business environments in which the Company operates, including on the Company’s credit quality and business operations, as well as the impact on general economic and financial market conditions;the Company’s ability to achieve its growth plans;the Company’s ability to attract and retain talented personnel;the effects of competition from financial service companies and other companies offering bank services;the Company’s ability to keep pace with technological changes;the effects of negative publicity on the Company’s reputation; andother factors that may affect future results of the Company, as well as the risks described in the Company’s Form 10-K for the year ended December 31, 2024 and subsequent filings with the SEC. OVERVIEW 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. Accordingly,