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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

$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