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
Unfavorable gap of $26.3M · efficiency ratio beats 54% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.93% | 1.23% | 1.54% | Beats 22% | 200 / 258 | | |
| Return on Equity | 12.81% | 9.26% | 11.84% | 14.74% | Beats 60% | 104 / 258 | | |
| Net Interest Margin | 2.50% | 3.16% | 3.49% | 3.88% | Beats 6% | 242 / 258 | | |
| Efficiency Ratio | 59.02% | 51.71% | 60.30% | 69.65% | Beats 54% | 120 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.19% | 0.46% | 0.90% | Beats 93% | 20 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 88% | 31 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 14.10% | 11.41% | 12.98% | 15.12% | Beats 66% | 88 / 258 | | |
| Total Risk-Based Capital Ratio | 15.16% | 12.10% | 13.91% | 16.08% | Beats 67% | 85 / 258 | | |
| Equity / Assets | 6.87% | 9.09% | 10.24% | 11.72% | Beats 3% | 251 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.74% | 73.24% | 86.34% | 95.95% | 33rd pctl | 174 / 258 | | |
| Loans / Assets | 70.97% | 63.01% | 72.27% | 78.40% | 46th pctl | 140 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |