# EDGAR Filing Document

**Accession Number:** 0001449794
**File Stem:** 0001449794-25-000013
**Filing Date:** 2025-6
**Character Count:** 27921
**Document Hash:** cb39eefb78a2c1478a98cd9a8afd7114
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001449794-25-000013.hdr.sgml**: 20250618

**ACCESSION NUMBER**: 0001449794-25-000013

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 69

**CONFORMED PERIOD OF REPORT**: 20250618

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250618

**DATE AS OF CHANGE**: 20250618

**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:** 251057593

**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-20250618x8k

**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 18, 2025**

**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 18, 2025, 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-20250618xex99_1.htm) | Stockholder Presentation June 18, 2025. |

---

‎

------

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 18, 2025 | By: | /s/ Judith A. Hunsicker |
|  | Name: | Judith A. Hunsicker |
|  | Title:  | First Executive, Chief Operating |
|  |  | and Financial Officer |

---

## Exhibit 99.1

![A blue and white cover AI-generated content may be incorrect.](emyb-20250618xex99_1g001.jpg)

Annual Meeting of Shareholders

June 18, 2025

Embassy Bancorp, Inc.

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![A close-up of a document AI-generated content may be incorrect.](emyb-20250618xex99_1g002.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.'s ("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. Embassy Bancorp, Inc.

Important factors that could impact the Company's operating results

include, but are not limited to, (i) the effects of changing economic

conditions in the Company's market areas and nationally, (ii) credit ris ks

of commercial, real es tate, consumer and other lending activities , (iii)

s ignificant changes in interes t rates and related depos it flows , (iv)

changes in federal and s tate banking laws and regulations which could

impact the Company's operations including polic ies of the U.S .

Department of Treasury and Federal Res erve sys tem, (v) changes in

accounting policies or procedures as may be required by FASB or

regulatory agencies , (vi) geopolitical events in the Ukraine and Rus s ia,

(vii) adverse developments in the financial indus try generally, such as

the recent bank failures and related respons ive measures to manage

such developments , and (viii) other external developments which could

materially affect the Company's bus ines s and operations , 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.

Certain information contained in this presentation and s tatements made

orally during this presentation relate to or are based on publications and

other data obtained from third-party sources . While the Company

believes thes e 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, fairnes s , accuracy or

completenes s of, any information obtained from third-party sources .

------

![A group of men and women in suits AI-generated content may be incorrect.](emyb-20250618xex99_1g003.jpg)

Board

of Directors

Frank "Chip" Banko III

Geoffrey F. Boyer

John G. Englesson

Bernard M. Lesavoy

David M. Lobach, Jr.

Chairman

John C. Pittman

Patti Gates Smith

John T. Yurconic

Embassy Bancorp, Inc.

------

![A group of people posing for a picture AI-generated content may be incorrect.](emyb-20250618xex99_1g004.jpg)

Leadership Team

David M. Lobach, Jr.

Judith A. Hunsicker

Diane M. Cunningham

Lynne M. Neel

Mark A. Casciano

Michael B. Macy

Jeffrey C. Skumin

Brandi L. Stefanov

Jennifer A. Tropeano

Embassy Bancorp, Inc.

------

![A person and person in suits AI-generated content may be incorrect.](emyb-20250618xex99_1g005.jpg)

Business

of the Meeting

5 David M. Lobach, Jr. Judith A. Hunsicker

Embassy Bancorp, Inc.

------

![A black and white background with white text AI-generated content may be incorrect.](emyb-20250618xex99_1g006.jpg)

Business

of the Meeting

Determination

of a Quorum

------

![A close-up of a proposal AI-generated content may be incorrect.](emyb-20250618xex99_1g007.jpg)

Business

of the Meeting

Proposal #1

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

• Bernard M. Lesavoy

• David M. Lobach, Jr., Chairman

• John C. Pittman

• John T. Yurconic

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![A screenshot of a business meeting AI-generated content may be incorrect.](emyb-20250618xex99_1g008.jpg)

Business

of the Meeting

Proposal #2

To approve an advisory, non-binding resolution regarding executive compensation.

Proposal #3

To approve an advisory, non-binding proposal on the frequency of future advisory votes regarding executive compensation.

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![A screenshot of a business meeting AI-generated content may be incorrect.](emyb-20250618xex99_1g009.jpg)

Business

of the Meeting

Proposal #4

To ratify the appointment of Baker Tilly US, LLP as the Company's independent registered public accounting firm for the year ended December 31, 2025.

Proposal #5

A non-binding shareholder proposal, if properly presented at the meeting

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![A close-up of a business of the meeting AI-generated content may be incorrect.](emyb-20250618xex99_1g010.jpg)

Business

of the Meeting

The Polls are

Now Closed

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![A person wearing a striped shirt AI-generated content may be incorrect.](emyb-20250618xex99_1g011.jpg)

Team

Community

Customer

- Lynne Neel

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![A close-up of a company logo AI-generated content may be incorrect.](emyb-20250618xex99_1g012.jpg)

12 Figures as of 3/31/2025

Branch

Offices

Dedicated Team

Members

Years Serving Lehigh Valley

29,439

Satisfied

Customers

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![A person holding a plant AI-generated content may be incorrect.](emyb-20250618xex99_1g013.jpg)

28,662

29,240

29,493

2023

2024

13,206

15,160

15,824

3,495

3,954

4,117

2023

2024

Retail

Business

Total Customer

Relationships

Digital Bank

Users

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![A screenshot of a website AI-generated content may be incorrect.](emyb-20250618xex99_1g014.jpg)

Excellence in Banking

Bauer Financial, Inc.

5-Star Rating

Who's Who in Business Lehigh Valley

Bauer Financial, Inc.

winner 2022, 2023, 2024, 2025

Morning Call Readers' Choice

Best Bank 10 Years in a row American Banker American Banker Magazine

45th of Top 100 Readers' 2024 Choice the morning Call who's 2025 Who in Business Lehigh Valley

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![A screenshot of a social media post AI-generated content may be incorrect.](emyb-20250618xex99_1g015.jpg)

Community

Engagement & Recognition

1.1M

donated to local charities and organizations annually

14M

of support to Lehigh Valley agencies since 2001

organizations served in 2024

community event

participation

in 2024

Honoring Tradition

Title Sponsor of Patriotic Holidays at SteelStacks since 2011 15

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![A graph of growth trends AI-generated content may be incorrect.](emyb-20250618xex99_1g016.jpg)

5-Year Growth Trends

($millions)

16 \*Does not include Paycheck Protection Program "PPP" loans

$1,442

$1,633

$1,640

$1,656

$1,704

$1,754

2020

2021

2022

2023

2024

1Q2025

$1,232

$1,467

$1,521

$1,476

$1,553

$1,612

2020

2021

2022

2023

2024

1Q2025

$1,090

$1,108

$1,208

$1,254

$1,268

$1,272

2020

2021

2022

2023

2024

1Q2025

Assets

Deposits

Loans\*

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![A graph showing growth trends AI-generated content may be incorrect.](emyb-20250618xex99_1g017.jpg)

10-Year Growth Trends

($millions)

17 \*Does not include PPP loans

$690

$799

$858

$957

$1,013

$1,090

$1,108

$1,208

$1,254

$1,268

$1,272

$660

$833

$901

$932

$1,032

$1,232

$1,467

$1,521

$1,476

$1,553

$1,612

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

1Q2025 Total Loans\* Total Deposits

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![A person wearing glasses and smiling AI-generated content may be incorrect.](emyb-20250618xex99_1g018.jpg)

Branches

Deposits

Cost of Funds

- Diane Cunningham 18

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![A tree with green leaves AI-generated content may be incorrect.](emyb-20250618xex99_1g019.jpg)

10 Lehigh Valley Offices

8 Offices Over $100 Million

No Staff Reduction / Layoffs

No Branch Closings / Consolidation

Organically Grown

Efficiently Operated 19

Other banks cut branches. We grow them. Embassy Bank for the lehigh valley

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![A graph of a number of different colors AI-generated content may be incorrect.](emyb-20250618xex99_1g020.jpg)

Average Branch Size

$157,124

$160,390

June 2024

March 2025

Embassy Bank 2024 – 1Q25

($000's) 20

Source: FDIC Summary of Depos its Statis tics Lehigh and Northampton Counties and

internal records .

2024 Peer Comparison

($000's , as of June 2024)

$157,124

$118,287

Embassy Bank

Peers

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![A building with a glass door AI-generated content may be incorrect.](emyb-20250618xex99_1g021.jpg)

Embassy Flagship Office & Central

Operations

• Opened November 6 , 2001

• $416,318,000 of depos its as of

June 30 , 2024

• Larges t bank branch, by depos its ,

in Northampton County, PA

100 Gateway Drive 21

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![A graph of blue rectangular bars AI-generated content may be incorrect.](emyb-20250618xex99_1g022.jpg)

Deposits

$1,232

$1,467

$1,521

$1,476

$1,553

$1,612

2020

2021

2022

2023

2024

1Q2025 ($millions) +31% 22

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![A graph of growth and key drivers AI-generated content may be incorrect.](emyb-20250618xex99_1g023.jpg)

Deposits – 1Q25 Growth

Core Deposit Generation

Proactive Engagement

Capturing Market Opportunities

Loyalty Fostered by Trust

Key Drivers of Growth

$1,553

$1,612

2024 +4% 1Q2025

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![A close-up of a graph AI-generated content may be incorrect.](emyb-20250618xex99_1g024.jpg)

New Account Activity

(9,108 Accounts)

Checking & Savings

69%

CD

31%

Deposit Composition

(% of Total Deposits) As of year-end 2024

Checking38%

CD47% Savings15% 24

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![A screenshot of a financial report AI-generated content may be incorrect.](emyb-20250618xex99_1g025.jpg)

Top 10 Commercial Banks by Deposit Market Share

Lehigh and Northampton Counties as of June 30, 2024

Rank

Institution Name

Total Active Branches

Total Deposits ($000)

Deposit Market Share (%)

YoY Change in Branches

YoY Deposit Growth (%)

Wells Fargo Bank NA

3,539,593

19.95 (2) -4%

Truist Bank

2,251,878

12.69 (1) -1%

Fulton Bank NA

1,647,979

9.29 (1) 5%

Embassy Bank for the Lehigh Valley

1,571,240

8.86 0

4%

PNC Bank NA

1,377,711

7.76 (1) -2%

Bank of America NA

1,206,704

6. 80

-3%

TD Bank NA

928,120

5.23 0

0%

American Bank

736,406

4.15 0

8%

Santander Bank NA

697,372

3.93 0

2%

New Tripoli Bank

562,188

3.17 0

2% Source: S & P Global Marketplace Peer Analytics 25

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![A comparison of a graph AI-generated content may be incorrect.](emyb-20250618xex99_1g026.jpg)

0.27% 0.54% 0.29% Cost of Funds

1.22%

1.86%

2020

2021

2022

2023

2024

Annual Trends

2025 Quarterly Trends

1.71%

1.86%

1.98%

1.91%

1.80%

1Q2024

2Q2024

3Q2024

4Q2024

1Q2025 26

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![A comparison of a graph and a chart AI-generated content may be incorrect.](emyb-20250618xex99_1g027.jpg)

5-Year History

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

Source: S&P Global Market Intelligence/Velligan -Blaxall Consultants, LLC.

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

0.5 1

1.5 2

2020

2021

2022

2023

2024

1Q2025

Embassy

PA Peers

N'tl Benchmark

1.86%

2.15%

2.18% 2024

1Q2025 Cost of Funds 1.80%

2.09%

2.11%

Embassy

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![A person smiling for a picture AI-generated content may be incorrect.](emyb-20250618xex99_1g028.jpg)

Net Interest Margin

Asset Quality

Liquidity

- Judy Hunsicker 28

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![A graph of a loan yield trends AI-generated content may be incorrect.](emyb-20250618xex99_1g029.jpg)

Loan Yield Trends

4.28%

4.14%

4.14%

4.43%

4.81%

4.99%

Commercial\*

3.64%

3.35%

3.30%

3.60%

3.92%

4.09%

Consumer

3.91%

3.69%

3.65%

3.96%

4.32%

4.48%

Total\* 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 29

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![A graph of sales AI-generated content may be incorrect.](emyb-20250618xex99_1g030.jpg)

Available for Sale

Securities Yield

2.02%

1.78%

1.90%

1.97%

2.23%

2.46%

2020

2021

2022

2023

2024

1Q2025 30

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![A graph of growth and increasing income AI-generated content may be incorrect.](emyb-20250618xex99_1g031.jpg)

44,329

$47,506

$50,385

$57,157

$64,971

2020

2021

2022

2023

2024

($000's)

$15,097

$16,938

1Q 2024Interest Income

Annual Trends

Quarterly Trend 31

1Q 2025

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![A graph of a financial report AI-generated content may be incorrect.](emyb-20250618xex99_1g032.jpg)

Interest Expense

$6,413

$4,012

$4,103

$18,118

$28,787

2020

2021

2022

2023

2024

$6,378

$7,110

1Q 2024

1Q 2025

Annual Trends

Quarterly Trend 32

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![A graph of growth and growth of a company AI-generated content may be incorrect.](emyb-20250618xex99_1g033.jpg)

Net Interest Income

$37,916

$43,494

$46,282

$39,039

$36,184

2020

2021

2022

2023

2024

$8,719

$9,828

1Q 2024

1Q 2025

Annual Trends

Quarterly Trend 33

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![A graph of a number of blue bars AI-generated content may be incorrect.](emyb-20250618xex99_1g034.jpg)

Net Interest Margin\*

Quarterly Trends

\*Tax Equivalent

2.20%

2.16%

2.21%

2.28%

2.34%

1Q2024

2Q2024

3Q2024

4Q2024

1Q2025 34

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![A graph and chart of a pie chart AI-generated content may be incorrect.](emyb-20250618xex99_1g035.jpg)

Loans\*

$1,090

$1,108

$1,208

$1,254

$1,268

$1,272

2020

2021

2022

2023

2024

1Q2025 35 \*PPP loans not included

Loan Composition1Q2025 Commercial 48% Consumer & Mortgage 52%

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![A screenshot of a graph and a diagram AI-generated content may be incorrect.](emyb-20250618xex99_1g036.jpg)

Commercial Lending

2024 New Loan Volume

186 Loans $78M

2024 Average New Loan Size

$419,355

$512,541

$488,678

$563,581

$589,825

$598,534

$604,575

2020

2021

2022

2023

2024

1Q2025

Commercial Loans Outstanding\*

($000's) 36 \*PPP loans not included

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![A screenshot of a graph AI-generated content may be incorrect.](emyb-20250618xex99_1g037.jpg)

Commercial Lending Composition

CRE Loans32%

Non-CRE Loans68%

1Q2025 Commercial

Real Estate (CRE)\*

Construction & Land Dev. 6%

Multifamily Res. 27%

Non-Farm/Non-Res Owner Occupied 22%

Non-Farm/Non-Res Non-Owner Occupied 43% 37 \*As a percent of total loans

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![A graph of interest and loan AI-generated content may be incorrect.](emyb-20250618xex99_1g038.jpg)

Consumer & Mortgage Lending

2024 New Loan Volume

705 Loans $121M

2024 Average New Loan Size

$171,461

$577,077

$619,336

$644,757

$663,692

$669,200

$667,668

2020

2021

2022

2023

2024

1Q2025

Consumer & Mortgage Loans Outstanding

($000's) 38

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![A graph of a mortgage loan AI-generated content may be incorrect.](emyb-20250618xex99_1g039.jpg)

2024 Residential Mortgage Loans Originated

Lehigh and Northampton Counties

Amount & Number of Loans

39 Source: S & P Global Market Intelligence – Res idential and Commercial Analytic s

(Private Party Lenders excluded from above comparison)

$187.1 M

$156.1 M

$123.9 M

$96.5 M

$91.6 M

$88.6 M

$81.2 M

$80.5 M

$73.8 M

$64.8 M

CrossCountryMortgage, LLC(Cleveland, OH)

Rocket Mortgage, LLC(Detroit, MI)

Embassy Bancorp,Inc. (Bethlehem, PA)

First CommonwealthFederal Credit Union(Allentown, PA)

Prosperity HomeMortgage, LLC(Fairfax, VA)

Newrez LLC (FortWashington, PA)

NVR MortgageFinance, Inc. (Reston,VA)

UWM HoldingsCorporation (Pontiac,MI)

Mortgage America,Inc. (Whitehall, PA)

CMG Home Loans

776 39

747

709

701

571

Rocket Mortgage, LLC(Detroit, MI)

First CommonwealthFederal Credit Union(Allentown, PA)

Embassy Bancorp,Inc. (Bethlehem, PA)

CrossCountryMortgage, LLC(Cleveland, OH)

People First FederalCredit Union(Allentown, PA)

The PNC FinancialServices Group, Inc.(Pittsburgh, PA)

Newrez LLC (FortWashington, PA)

Prosperity HomeMortgage, LLC(Fairfax, VA)

Mortgage America,Inc. (Whitehall, PA)

UWM HoldingsCorporation (Pontiac,MI)

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![A graph of a loan AI-generated content may be incorrect.](emyb-20250618xex99_1g040.jpg)

Non-Current Loans to Total Loans

Peer Comparison\*

Number of

Bank-Owned Properties

0.04%

0.35%

0.46%

2024 1Q2025

2024 1Q2025

2024 1Q2025

0.72%

0.46%

0.04%

Nat'l Benchmark

PA Peers

12/31/24 & 3/31/25

ZERO

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

Source: S&P Global Market Intelligence/Velligan -Blaxall Consultants, LLC.

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

Embassy Bank

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![A close-up of a graph AI-generated content may be incorrect.](emyb-20250618xex99_1g041.jpg)

Securities Available

for Sale\*

($000's)

$130,940

$310,264

$316,992

$276,060

$280,828

$327,011

2020

2021

2022

2023

2024

1Q2025

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

$(2,937)

$1,194

$51,107

$43,700

$50,635

$47,880

2020

2021

2022

2023

2024

1Q2025 Accumulated Other Comprehensive (Gain) Loss

($000's) 41

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![A close-up of a graph AI-generated content may be incorrect.](emyb-20250618xex99_1g042.jpg)

Portfolio Effective Duration

(in Years)

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

Source: S&P Global Market Intelligence/Velligan-Blaxall Consultants, LLC.

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

3.12 5.56 6.30 7.10 5.60 5.52 2020

2021

2022

2023

2024

1Q2025

16%

17%

19%

Embassy Bank

NationalBenchmark

PA Peer Group

Securities to Total Assets

2024 Peer Comparison 42

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![A screenshot of a website AI-generated content may be incorrect.](emyb-20250618xex99_1g043.jpg)$225M

Cash, Cash Equivalents & Unpledged Securities

43 \*FHLB Advance of $15.6 Million repaid 01/02/2025.

$913M

Total Liquidity as of

12/31/2024

$688M

Available Borrowing Facilities\*

No Brokered Deposits 43

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Efficiency

Income

Return

Shareholder Value

- Dave Lobach 44

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![A chart with blue and yellow bars AI-generated content may be incorrect.](emyb-20250618xex99_1g045.jpg)

2024 Efficiency

1.36%

1.96%

1.84%

Embassy Bank

NationalBenchmark

PA Peer Group

Net

Overhead Ratio

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

Source: S&P Global Market Intelligence/Velligan -Blaxall Consultants, LLC.

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

Revenue

Per Employee ($000's)

$118.08

$74.88

$66.94

Embassy Bank

NationalBenchmark

PA Peer Group

0.83%

1.42%

1.33%

Embassy Bank

NationalBenchmark

PA Peer Group

Salary Expense

to Average Assets 45

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![A graph of a company AI-generated content may be incorrect.](emyb-20250618xex99_1g046.jpg)

2024 Efficiency

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

Source: S&P Global Market Intelligence/Velligan -Blaxall Consultants, LLC.

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

$15,221

$7,101

$7,111

Embassy Bank

NationalBenchmark

PA Peer Group

$13,872

$6,005

$5,906

Embassy Bank

NationalBenchmark

PA Peer Group

$11,325

$4,647

$4,959

Embassy Bank

NationalBenchmark

PA Peer Group

Assets Per Employee Deposits Per Employee

Loans Per Employee

($000's)

($000's)

($000's) 46

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![A table with numbers and text AI-generated content may be incorrect.](emyb-20250618xex99_1g047.jpg)

2024 Performance Benchmark Data

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

Source: S&P Global Market Intelligence/Velligan -Blaxall Consultants, LLC.

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

Embassy Bank

PA Peer Group

Nat'l Benchmark

Embassy Outperforms

Net Interest Margin (FTE) (%)

2.21 3.00 3.40 Cost of Funds (%)

1.86 2.18 2.15 Net Overhead (%)

1.36 1.84 1.96 Efficiency Ratio (%)

66.79 69.62 66.97 Assets per Employee ($000)

15,221

7,111

7,101

Nonperforming Assets to Total Assets (%)

0.14 0.43 0.30 Noncurrent Loans to Total Loans (%)

0.04 0.46 0.35 Return on Average Assets (%)

0.64 0.74 0.88 Return on Average Equity (%)

10.27 9.00 9.19 ------

![A graph of income and non-interest AI-generated content may be incorrect.](emyb-20250618xex99_1g048.jpg)

Non-Interest Income

($000's)

Non-Interest Expense

$2,445

$2,400

$2,343

$2,629

$3,185

2020

2021

2022

2023

2024

$22,110

$24,127

$25,737

$26,391

$27,293

2020

2021

2022

2023

2024 48

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![A graph showing the number of income trends AI-generated content may be incorrect.](emyb-20250618xex99_1g049.jpg)17,554

$12,656

$10,440

$1,064

$2,211

$148

2020

2021

2022

2023

2024

Non-PPP Income

PPP Income 17,554

$12,656

$10,440

$1,064

$2,211

$148

2020

2021

2022

2023

2024

Non-PPP Income

PPP Income

Net Income

Annual Trends

($000's) 49

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![A chart showing the number of the company's revenue AI-generated content may be incorrect.](emyb-20250618xex99_1g050.jpg)

Net Income

Quarterly Trends

($000's)

$2,536

$2,492

$2,714

$2,698

$2,887

1Q2024

2Q2024

3Q2024

4Q2024

1Q2025 50

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![A close-up of a chart AI-generated content may be incorrect.](emyb-20250618xex99_1g051.jpg)

1Q2025 Return on Average

Shareholder Equity

1Q2025 Return on

Average Assets

0.69%

0.80%

0.94%

Embassy Bank

PA Peer Group

NationalBenchmark 11.08%

9.43%

9.39%

Embassy Bank

PA Peer Group

NationalBenchmark 51 Figures based on Median Values, banks with assets of $100M to $5B.

Source: S&P Global Market Intelligence/Velligan-Blaxall Consultants , LLC.

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

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![A screenshot of a book value AI-generated content may be incorrect.](emyb-20250618xex99_1g052.jpg)

Book Value

per Share

8.67%

Compounded Annual

Growth Rate (2002-2024)

522.83%

Overall Growth Rate

(2002-2024)

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![A graph of a price return AI-generated content may be incorrect.](emyb-20250618xex99_1g053.jpg)

One-Year Price Return

5/31/2024 – 5/30/2025

Source: Standard Poors Capital IQ Pro as of May 30, 2025

26.25%

16.11%

15.67%

14.21%

12.02%

11.64%

10.26%

9.26%

-0.19%

S&P BanksMid-Atlantic

S&PUSSmallCapBanks

EMYB

NASDAQ

S&P 500

Russell 3000

S&P USMidCap Banks

DJIA

Russell 2000 53

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![A graph showing the number of dividend announcement AI-generated content may be incorrect.](emyb-20250618xex99_1g054.jpg)

Annual Dividend Announcement

54 Shareholders of record as of 06/27/2025

Payable 07/15/2025

$0.17

$0.20

$0.22

$0.30

$0.35

$0.40

$0.42

$0.48

2018

2019

2020

2021

2022

2023

2024

2025

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![A group of men in suits AI-generated content may be incorrect.](emyb-20250618xex99_1g055.jpg)

Thank You 55

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Closing Items

Questions

& Answers

Results

of Voting

Conclusion of Meeting 56

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