# EDGAR Filing Document

**Accession Number:** 0001449794
**File Stem:** 0001449794-26-000016
**Filing Date:** 2026-6
**Character Count:** 19717
**Document Hash:** 73fd70706eaff5a6e298665c3bf823fa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001449794-26-000016.hdr.sgml**: 20260617

**ACCESSION NUMBER**: 0001449794-26-000016

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 57

**CONFORMED PERIOD OF REPORT**: 20260617

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260617

**DATE AS OF CHANGE**: 20260617

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Embassy Bancorp, Inc.
- **CENTRAL INDEX KEY:** 0001449794
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 263339011
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-53528
- **FILM NUMBER:** 261099252

**BUSINESS ADDRESS:**
- **STREET 1:** 100 GATEWAY DRIVE
- **STREET 2:** SUITE 100
- **CITY:** BETHLEHEM
- **STATE:** PA
- **ZIP:** 18017
- **BUSINESS PHONE:** 610-882-8800

**MAIL ADDRESS:**
- **STREET 1:** 100 GATEWAY DRIVE
- **STREET 2:** SUITE 100
- **CITY:** BETHLEHEM
- **STATE:** PA
- **ZIP:** 18017

?xml version='1.0' encoding='ASCII'? emyb-20260617x8k

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported): June 17, 2026**

**EMBASSY BANCORP, INC.**

(Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| **Pennsylvania**  | **000-53528** | **26-3339011** |
| (State or other jurisdiction | (Commission File Number) | (IRS Employer |
| of incorporation) |  | Identification No.) |

---

---

| | |
|:---|:---|
| **100 Gateway Drive, Suite 100** |  |
| **Bethlehem, PA** | **18017** |
| (Address of principal executive offices) | (Zip Code) |

---

Registrant's telephone number, including area code: **(610) 882-8800**

**<u>Not Applicable</u>**

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

◻ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

◻ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

◻ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

◻ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: None.

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240. 12b-2 of this chapter).

Emerging growth company ◻

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&nbsp;&nbsp;&nbsp;&nbsp;◻

‎

------

**Item 7.01.Regulation FD Disclosure.**

On June 17, 2026, Embassy Bancorp, Inc. (the "Company"), the holding company of Embassy Bank for the Lehigh Valley, in connection with its Annual Meeting of Shareholders, will be presenting financial and other information in the form of a stockholder presentation.

A copy of the stockholder presentation is attached as Exhibit 99.1 to this Current Report on Form 8-K and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

**Item 9.01.Financial Statements and Exhibits.**

---

| | | |
|:---|:---|:---|
| (d) | <u>Exhibits</u> |  |
|  | <u>Exhibit No.</u> | <u>Description</u> |
|  | [<u>99.1</u>](emyb-20260617xex99_1.htm) | Stockholder Presentation June 17, 2026. |

---

‎

------

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | Embassy Bancorp, Inc. | Embassy Bancorp, Inc. |
| Date: June 17, 2026 | By: | /s/ Jeffrey C. Skumin |
|  | Name: | Jeffrey C. Skumin |
|  | Title:  | Executive Vice President,  |
|  |  | Chief Financial Officer |

---

## Exhibit 99.1

![Picture 1](emyb-20260617xex99_1g001.jpg)

Annual Meeting of Shareholders

June 17, 2026

![Picture 2](emyb-20260617xex99_1g002.jpg)

Welcome and Introductions

-LynneNeel

![Picture 4](emyb-20260617xex99_1g003.jpg)

Caution on Forward Looking Statements

This presentation may contain forward-looking statements, including statements of goals, intentions, and expectations as to future trends, plans, events or results of Embassy Bancorp, Inc. (the "Company") operations and policies and regarding general economic conditions.

These forward-looking statements are intended to be covered by the safe harbor for forward-looking statements provided by the Private Securities Litigation Reform Act of 1995. These statements are based upon current and anticipated economic conditions, nationally and in the Company's market, interest rates and interest rate policy, competitive factors, and other conditions that, by their nature, are not susceptible to accurate forecast, and are subject to significant uncertainty.

Such forward-looking statements can be identified by the use of forward-looking terminology such as "believes", "expects", "may", "intends", "will", "should", "anticipates", or the negative of any of the foregoing or other variations thereon or comparable terminology, or by discussion of strategy.

No assurance can be given that the future results covered by forward-looking statements will be achieved. Such statements are subject to risks, uncertainties, and other factors that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Important factors that could impact the Company's operating results include, but are not limited to, those factors described in the "Caution About Forward-Looking Statements" section of the Company's Form 10-K for the year ended December 31, 2025 and subsequent filings with the SEC.

Certain information contained in this presentation and statements made orally during this presentation relate to or are based on publications and other data obtained from third-party sources. While the Company believes these third-party sources to be reliable as of the date of this presentation, the Company has not independently verified, and makes no representation as to the adequacy, fairness, accuracy or completeness of, any information obtained from third-party sources.

Figures as of and for the twelve months ended December 31, 2021 to 2025 are based on audited financials. First quarter 2026 figures in this presentation are unaudited.

This presentation contains supplemental financial information which has been derived by methods other than GAAP. These non-GAAP financial measures may not be comparable to similarly named measures used by other companies and should not be considered a substitute for GAAP measures.

![Picture 5](emyb-20260617xex99_1g004.jpg)

Board

of Directors

David M. Lobach, Jr.

Chairman

Frank "Chip" Banko IIIGeoffrey F. BoyerJohn G. Englesson

Bernard M. LesavoyJohn C. PittmanPatti Gates SmithJohn T. Yurconic

![Picture 7](emyb-20260617xex99_1g005.jpg)

Leadership Team

David M. Lobach, Jr.Judith A. HunsickerDiane M. CunninghamLynne M. NeelJeffrey C. Skumin

Mark A. CascianoMichael B. MacyBrandi L. StefanovJennifer A. Tropeano

![Picture 9](emyb-20260617xex99_1g006.jpg)

Business of the Meeting

Dave LobachJudy Hunsicker

![Picture 13](emyb-20260617xex99_1g007.jpg)

Business of the Meeting7 Determination of a quorum

![Picture 14](emyb-20260617xex99_1g008.jpg)

Business of the Meeting

ThePollsare NowOpen

![Picture 15](emyb-20260617xex99_1g009.jpg)

To elect two Class 1 Directors of the Company for a term of 3 years:

Frank "Chip" Banko III Geoffrey F. Boyer

![Picture 21](emyb-20260617xex99_1g010.jpg)

Business of the meeting proposal #2 To ratify the appointment of Baker Tilly US, LLP as the Company's independent registered public accounting firm for the year ending December 31, 2026.

![Picture 22](emyb-20260617xex99_1g011.jpg)

Business of the Meeting

ThePollsare NowClosed

![Picture 23](emyb-20260617xex99_1g012.jpg)

Here for

Positively different.

-LynneNeel

![Picture 24](emyb-20260617xex99_1g013.jpg)

Corporate Overview

Ticker

EMYB

Exchange

OTC Markets (OTCQX)

Market Capitalization

$151.11M

Insider Ownership

31%

Total Assets

$1,842M

Headquarters

Bethlehem, PA

# of Branches

Year Established

2001

Strategic Footprint

Lehigh Valley, PA

13As of March 31, 2026

![Picture 26](emyb-20260617xex99_1g014.jpg)

Here for good Financial Highlights

31% year-over-year increase in net income

Strong core deposit growth with no brokered deposits

Expanded net interest margin and declining cost of funds

Industry-leading efficiency and productivity

2024-2025 Cash Dividend

increase of 14%

![Picture 27](emyb-20260617xex99_1g015.jpg)

Here for good

Recognition

Morning Call Readers' Choice Best Bank

11 Consecutive Years

Bauer Financial, Inc.

5-Star Rating

Who's Who in Business Lehigh Valley

5 Consecutive Years

![Picture 29](emyb-20260617xex99_1g016.jpg)

Here for good

Community Engagement

$1.2M$16.5M192

donated to local charities and organizations in 2025

of support to Lehigh Valley agencies since 2001

organizations served

in 2025

![Picture 30](emyb-20260617xex99_1g017.jpg)

Expanding Relationships: Lending & Deposit Growth

-DianeCunningham

![Picture 31](emyb-20260617xex99_1g018.jpg)

Lending Portfolio Highlights

Loans\*

($ millions)

$1,108

$1,208

$1,254

$1,268

$1,290

$1,295

202120222023202420251Q2026

18\*PPP loans not included

![Picture 32](emyb-20260617xex99_1g019.jpg)

Continued Loan Yield Expansion

3.35% 3.30%

3.92%

3.60%

4.20% 4.32%

4.14% 4.14% 4.43%

5.10% 5.26%

4.81%

3.69% 3.65%

4.32%

3.96%

4.58% 4.71%

Consumer

Commercial\*

Total\*

19\*PPP loans not included

![Picture 33](emyb-20260617xex99_1g020.jpg)

Diversified Loan Mix

1Q2026 Loan Composition

1Q2026 Commercial Real Estate (CRE)\*

1Q2026 CRE

Composition

Commercial 47%

Consumer & Mortgage 53%

Non-CRE

Loans 68%

CRE

Loans 32%

Non-Farm/Non

-Res Non-Owner Occupied 40%

Other 1%

Construction & Land Dev. 7%

Multifamily Res. 30%

20\*As a percent of total loans

![Picture 34](emyb-20260617xex99_1g021.jpg)

Best-in-Class Asset Quality Non-CurrentLoansto TotalLoans Peer Comparison

Nat'l Benchmark

0.80%PA

Peers 0.59%

Nat'l Benchmark 0.82%

PA

Peers 0.78%

Embassy 0.04%

Embassy 0.04%

2025

1Q2026

Zero Bank-Owned Properties

Figures based on Median Values, banks with assets of $100M to $5B.

21Source: S&P Global Market Intelligence/Arcsalus Advisors.

Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.

![Picture 35](emyb-20260617xex99_1g022.jpg)

Cost-Efficient Deposit Growth

DepositGrowth& Costof FundsCostofFunds Peer Comparison

1.86%

$1,640

$1,682

2.04%

1.90%

$1,553

1.69%

202420251Q2026

Deposits ($millions)Cost of Funds

Embassy BankNat'l BenchmarkPA Peers

1Q2026

Figures based on Median Values, banks with assets of $100M to $5B.

22Source: S&P Global Market Intelligence/Arcsalus Advisors.

Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.

![Picture 36](emyb-20260617xex99_1g023.jpg)

Average Deposits per Branch

EmbassyBank

($000's)

$161,442$168,234

June 2025March 2026

2025 Peer Comparison\*

($000's, as of June 2025)

$161,442

$119,790

Embassy BankPeers

23\*Source: FDIC Summary of Deposits Statistics Lehigh and Northampton Counties and internal records.

![Picture 37](emyb-20260617xex99_1g024.jpg)

Deposit Growth by Design

Year-End 2025

New AccountActivity

(9,996 Accounts)

Composition

(% of Total)

1,490

Savings

3,584

Checking

27%

Savings

39%

Checking

4,922

CD

34% CD

![Picture 38](emyb-20260617xex99_1g025.jpg)

4th in Deposit Market Share

Lehigh and Northampton Counties as of June 30, 2025

Rank

Institution Name

Total Active Branches

Total Deposits ($000)

Deposit Market Share (%)

YoY Change in Branches

YoY Deposit Growth (%)

Wells Fargo Bank NA

3,468,493

19.43 (1) -2%

Truist Bank

2,006,068

11.24 0

-11%

Fulton Bank NA

1,634,960

9.16 0

-1%

Embassy Bank for the Lehigh Valley

1,614,424

9.05 0

3%

PNC Bank NA

1,451,201

8.13 0

5%

Bank of America NA

1,180,017

6. 61

-2%

TD Bank NA

901,136

5.05 (2) -3%

American Bank

822,091

4.61 0

12%

Santander Bank NA

679,304

3.81 0

-3%

New Tripoli Bank

563,908

3.16 0

0%

25Source: FDIC Summary of Deposits Annual Survey

![Picture 39](emyb-20260617xex99_1g026.jpg)

Optimizing Efficiency and Liquidity for Growth

Jeffrey Skumin

![Picture 40](emyb-20260617xex99_1g027.jpg)

2025 Performance Benchmark Data 27

Embassy Bank

PA Peer Group

Nat'l Benchmark

Embassy Outperforms

Net Interest Margin (FTE) (%)(1)

2.47 3.46 3.71 Cost of Funds (%)

1.80 1.93 2.03 Net Overhead (%)(2)

1.39 1.84 2.01 Efficiency Ratio (%)(1)

61.04 65.25 62.91 Assets per Employee ($000)

15,798

7,975

10,004

Nonperforming Assets to Total Assets (%)

0.07 0.49 0.37 Noncurrent Loans to Total Loans (%)

0.04 0.59 0.44 Return on Average Assets (%)

0.79 0.97 1.03 Return on Average Equity (%)

12.28 10.65 10.50 Figures based on Median Values, banks with assets of $100M to $5B. Source: S&P Global Market Intelligence/Arcsalus Advisors. Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.

(1) Non- GAAP financial metrics. The Company believes the use of tax equivalent basis in determining net interest margin provides meaningful information to the reader when comparing taxable on non-taxable assets. The efficiency ratio equals non-interest expense divided by operating revenue.

(2) Net overhead ratio equals the net of non-interest expense less non-interest income, divided by average total assets.

![Picture 41](emyb-20260617xex99_1g028.jpg)

2025 Industry-Leading Efficiency

Net OverheadRatio(1)

2.01%1.84%

61.04%

Efficiency Ratio(2)

65.25%

62.91%

SalaryandBenefitsExpense toAverageAssets

1.46%

1.34%

0.84%

1.39%

Embassy Bank

National Benchmark

PA Peer Group

Embassy Bank

National Benchmark

PA Peer Group

Embassy Bank

National Benchmark

PA Peer Group

Figures based on Median Values, banks with assets of $100M to $5B. Source: S&P Global Market Intelligence/ Arcsalus Advisors.

28Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.

(1) Net overhead ratio equals the net of non-interest expense less non-interest income, divided by average assets.

(2) Non-GAAP financial metric. Efficiency ratio equals non-interest expense divided by operating revenue.

![Picture 42](emyb-20260617xex99_1g029.jpg)

2025 Productivity Leader

(Per Employee)

Assets

Loans

Deposits

Revenue

($000's)($000's)($000's)($000's)

$15,798

$11,327

$14,395

$152.79

$10,004

$7,975

$7,095

$5,061

$8,286

$6,586

$91.34$90.40

Embassy Bank

National Benchmark

PA Peer Group

Embassy Bank

National Benchmark

PA Peer Group

Embassy Bank

National Benchmark

PA Peer Group

Embassy Bank

National Benchmark

PA Peer Group

Figures based on Median Values, banks with assets of $100M to $5B.

29Source: S&P Global Market Intelligence/ Arcsalus Advisors.

Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.

![Picture 43](emyb-20260617xex99_1g030.jpg)

Stable Funding & Liquidity Strength

(As of 12/31/2025)

$1B$313M$729M

Total Liquidity

Cash, Cash Equivalents & Unpledged Securities

No Brokered Deposits

Available Borrowing Facilities

![Picture 44](emyb-20260617xex99_1g031.jpg)

SecuritiesAvailable for Sale

PortfolioEffective Duration(in Years)

2.23%

2.58%2.68%

7.10 5.605.555.50 202420251Q2026

Available for SaleYield

2023202420251Q2026

Embassy Bancorp classifies its entire securities portfolio as available for sale.

311Q26 securities yield is annualized.

Figures presented based on internal documents.

![Picture 45](emyb-20260617xex99_1g032.jpg)

Delivering Earnings Performance

-JudithHunsicker

![Picture 46](emyb-20260617xex99_1g033.jpg)

Expanding Net Interest Margin

InterestIncome&

InterestExpense

($000's)

NetInterestIncome

($000's)

NetInterestMargin

(Annualized)

2.59%

$57,157

$71,462

$64,971

$39,039

$36,184

$42,424

2.43%

2.21%

2.47%

$18,118

$28,787

$29,038

202320242025

Interest IncomeInterest Expense

202320242025

2023202420251Q26

![Picture 47](emyb-20260617xex99_1g034.jpg)

Driving Net Income Growth

($000's)

Annual TrendQuarterly Trend

20242025

1Q20251Q2026

![Picture 48](emyb-20260617xex99_1g035.jpg)

Creating Shareholder Value

-DaveLobach

![Picture 49](emyb-20260617xex99_1g036.jpg)

EMYB Stock Price Performance

5/15/2025 – 5/15/2026

$20.30

$19.50

$18.20

$17.35

$16.17

$14.95

36Source: S&P Capital IQ Pro as of May 15, 2026

![Picture 50](emyb-20260617xex99_1g037.jpg)

One-Year Price Return 5/15/2025 – 5/15/2026

37.22%35.79%

33.35%

25.21%24.40%

19.11%

17.02%

13.28%12.80%

9.89%

NASDAQ

EMYB

Russell

S&P 500

Russell

S&P Banks

Dow Jones

S&P US

S&PUS

NASDAQ

2000

3000

Mid-Atlantic

Industrial

MidCap

SmallCap

Bank

Average

Banks

Banks

37Source: S&P Capital IQ Pro as of May 15, 2026

![Picture 51](emyb-20260617xex99_1g038.jpg)

One-Year Price Return – Bank Indices 5/15/2025 – 5/15/2026

35.79%

19.11%

13.28%12.80%

9.89%

EMYBS&P Banks Mid-AtlanticS&P US MidCap BanksS&PUS SmallCap BanksNASDAQ Bank

38Source: S&P Capital IQ Pro as of May 15, 2026

![Picture 52](emyb-20260617xex99_1g039.jpg)

Book Value per Share

9.18%

Compounded Annual Growth Rate (2002-2025)

654.46%

Overall Growth Rate (2002-2025)

![Picture 53](emyb-20260617xex99_1g040.jpg)

Stock Repurchase Plan

October 2025: Board approved

$5 million stock repurchase plan.

March 31, 2026: 258,301

shares repurchased. Total proceeds of $4.86 million.

June 2026: Company announced expansion of the Repurchase Plan, authorizing up to an additional $5 million in share repurchases.

![Picture 54](emyb-20260617xex99_1g041.jpg)

Return on Average Assets

20251Q2026

(Annualized)

1.22%

0.79%

0.97%1.03%

0.84%

1.02%

Embassy BankPA Peer GroupNational

Benchmark

Embassy Bank PA Peer GroupNational

Benchmark

Figures based on Median Values, banks with assets of $100M to $5B.

41Source: S&P Global Market Intelligence/Velligan-Blaxall Consultants, LLC. Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.

![Picture 55](emyb-20260617xex99_1g042.jpg)

Return on Average Shareholder Equity

20251Q2026

(Annualized)

12.28%

10.65%10.50%

12.35%11.59%

10.76%

Embassy BankPA Peer GroupNational

Benchmark

Embassy Bank PA Peer GroupNational

Benchmark

Figures based on Median Values, banks with assets of $100M to $5B.

42Source: S&P Global Market Intelligence/ Arcsalus Advisors.

Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.

![Picture 56](emyb-20260617xex99_1g043.jpg)

Annual Dividend Announcement

$0.55

$0.20$0.22

$0.30

$0.35

$0.40

$0.42

$0.48

20192020202120222023202420252026

43Shareholders of record as of 06/26/2026

Payable 07/14/2026

![Picture 57](emyb-20260617xex99_1g044.jpg)

Thank you 44

![Picture 58](emyb-20260617xex99_1g045.jpg)

Closing Items

Questions & Answers

Results of Voting

Conclusionof Meeting

------