Bethlehem, PA · Cert 57228 · Embassy Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2026 SOD (annual) · 7.4% share · #5 of 32 inst. · $1.7B of $22.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.66% | 0.70% | 0.81% | 0.89% | 0.84% | 0.85% | 0.93% | +11 bps | |
| Return on Equity | 10.52% | 10.22% | 11.08% | 12.65% | 13.25% | 12.09% | 12.35% | 13.63% | +98 bps | |
| Net Interest Margin | 2.10% | 2.17% | 2.23% | 2.32% | 2.40% | 2.48% | 2.48% | 2.57% | +25 bps | |
| Efficiency Ratio | 66.22% | 67.52% | 64.34% | 63.69% | 59.26% | 60.37% | 60.66% | 57.51% | -618 bps | |
| Non-Interest Burden | 1.33% | 1.40% | 1.38% | 1.40% | 1.34% | 1.43% | 1.44% | 1.38% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.34% | 2.90% | 6.13% | 2.48% | 3.67% | 5.64% | 5.02% | 5.72% | +324 bps | |
| Loan Growth (YoY) | 0.72% | 1.15% | 0.12% | 1.52% | 1.70% | 1.80% | 1.80% | 3.00% | +147 bps | |
| Deposit Growth (YoY) | 4.28% | 5.21% | 6.81% | 2.75% | 5.56% | 5.62% | 4.34% | 5.20% | +245 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.05% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 0.97% | 0.96% | 0.96% | 0.93% | 0.93% | 0.93% | 0.93% | 0.94% | +1 bps | |
| Allowance Coverage of NPLs | 10.1x | 24.6x | 25.8x | 24.5x | 24.1x | 25.0x | 25.4x | 18.7x | -5.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.84% | 9.04% | 9.07% | 8.89% | 9.06% | 9.06% | 9.02% | 8.83% | -6 bps | |
| Total Risk-Based Capital | 14.74% | 14.93% | 15.15% | 15.03% | 15.40% | 15.44% | 15.37% | 15.16% | +14 bps | |
| Equity / Assets | 6.66% | 6.23% | 6.39% | 6.48% | 6.87% | 7.07% | 6.75% | 6.87% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.96% | 81.64% | 78.95% | 79.40% | 78.96% | 78.69% | 77.03% | 77.74% | -166 bps | |
| Liquid Assets / Assets | 4.30% | 4.05% | 3.58% | 3.57% | 4.46% | 4.88% | 6.25% | 5.62% | +205 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 243% | 243% | 244% | n/a | n/a | |