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Embassy Bank for the Lehigh Valley

Bethlehem, PA · Cert 57228 · Embassy Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Embassy Bank for the Lehigh Valley

Bethlehem, PA · Cert 57228 · Embassy Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$1.9BAssets
$1.3BLoans
$1.7BDeposits
$127.8MEquity
Loan mix
97%RE $1.2B2%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $1.3B24%Noninterest $0.4BQ2 2025Q2 2026

NIM

3.61%Q2 ’243.85%Q2 ’254.01%Q2 ’26+10%+11%

Non-interest income vs. expense

1.51%Q2 ’241.55%Q2 ’251.59%Q2 ’26+2%+1%

Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2026 SOD (annual) · 7.4% share · #5 of 32 inst. · $1.7B of $22.9B

12.8% Northampton
6.7% Lehigh

Executive Summary

  • Earnings: ROA of 0.89%, up 13 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.05% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.83%, down 6 bps from a year ago.
  • Funding: loans stand at 77.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.50%+25 bps YoY

Efficiency Ratio (YTD, annualized)

59.02%-498 bps YoY

Tier 1 Leverage Ratio

8.83%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.80%0.81%0.85%0.89%+13 bps
Return on Equity11.91%12.34%12.27%12.35%12.93%+102 bps
Net Interest Margin2.25%2.29%2.32%2.48%2.50%+25 bps
Efficiency Ratio64.00%62.34%61.82%60.66%59.02%-498 bps
Non-Interest Burden1.38%1.36%1.37%1.44%1.40%+2 bps
Growth
Asset Growth (YoY)2.48%3.67%5.64%5.02%5.72%+324 bps
Loan Growth (YoY)1.52%1.70%1.80%1.80%3.00%+147 bps
Deposit Growth (YoY)2.75%5.56%5.62%4.34%5.20%+245 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.04%0.04%0.05%+1 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.00%0.00%-2 bps
Allowance / Loans0.93%0.93%0.93%0.93%0.94%+1 bps
Allowance Coverage of NPLs24.5x24.1x25.0x25.4x18.7x-5.9x
Capital
Tier 1 Leverage Ratio8.89%9.06%9.06%9.02%8.83%-6 bps
Total Risk-Based Capital15.03%15.40%15.44%15.37%15.16%+14 bps
Equity / Assets6.48%6.87%7.07%6.75%6.87%+39 bps
Liquidity & Funding
Loans / Deposits79.40%78.96%78.69%77.03%77.74%-166 bps
Liquid Assets / Assets3.57%4.46%4.88%6.25%5.62%+205 bps
CRE / Total Capitaln/a243%243%244%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Embassy Bank for the Lehigh Valley

Bethlehem, PA · Cert 57228 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Embassy Bcorp Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$1.9BAssets
$1.3BLoans
$1.7BDeposits
$127.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 93% of banks $1B-$10B in assets operating in a single state (rank 20 of 258).
  • Widest gap: equity / assets trails 97% of banks $1B-$10B in assets operating in a single state (rank 251 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.88%

Rank 200 of 258

Net Interest Margin

2.50%

Rank 242 of 258

Efficiency Ratio

59.02%

Rank 120 of 257

Equity / Assets

6.87%

Rank 251 of 258

Non-interest income vs. expense

$3.5M$29.9MINCOMEEXPENSE
Unfavorable gap of $26.3M · efficiency ratio beats 54% of banks $1B-$10B in assets operating in a single state
Bank 59.02%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.93%1.23%1.54%Beats 22%200 / 258
Return on Equity12.81%9.26%11.84%14.74%Beats 60%104 / 258
Net Interest Margin2.50%3.16%3.49%3.88%Beats 6%242 / 258
Efficiency Ratio59.02%51.71%60.30%69.65%Beats 54%120 / 257
Asset Quality
Nonperforming Loans / Loans0.05%0.19%0.46%0.90%Beats 93%20 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 88%31 / 258
Capital
Tier 1 Capital Ratio14.10%11.41%12.98%15.12%Beats 66%88 / 258
Total Risk-Based Capital Ratio15.16%12.10%13.91%16.08%Beats 67%85 / 258
Equity / Assets6.87%9.09%10.24%11.72%Beats 3%251 / 258
Liquidity & Funding
Loans / Deposits77.74%73.24%86.34%95.95%33rd pctl174 / 258
Loans / Assets70.97%63.01%72.27%78.40%46th pctl140 / 258
Brokered Deposits / Depositsn/aNot reported for this institution