EMYB— Embassy Bancorp, Inc.

FinancialsBanking$166M mkt cap

Metric	FY2025	FY2024	FY2023	FY2022
Loans, including fees	$58.3M+7.3%	$54.3M+11.4%	$48.7M+15.9%	$42.0M
Securities, taxable	$8.7M+37.5%	$6.4M+3.8%	$6.1M+3.5%	$5.9M
Securities, non-taxable	$1.2M+0.3%	$1.2M-3.0%	$1.2M+2.3%	$1.2M
Short-term investments, including federal funds sold	$3.3M+4.0%	$3.1M+188.8%	$1.1M+2.3%	$1.1M
Total Interest Income	$71.5M+10.0%	$65.0M+13.7%	$57.2M+13.4%	$50.4M
Deposits	$28.9M+2.3%	$28.2M+60.3%	$17.6M+333.8%	$4.1M
Securities sold under agreements to repurchase and federal funds purchased	$144K-73.6%	$545K+86.6%	$292K+1116.7%	$24K
Short-term borrowings	$2K-81.8%	$11K-94.8%	$212K	—
Total Interest Expense	$29.0M+0.9%	$28.8M+58.9%	$18.1M+341.6%	$4.1M
Net Interest Income	$42.4M+17.2%	$36.2M-7.3%	$39.0M-15.6%	$46.3M
PROVISION (CREDIT) FOR CREDIT LOSSES	$109K+125.2%	-$433K-143.3%	-$178K	—
Net Interest Income after Provision (Credit) for Credit Losses	$42.3M+15.6%	$36.6M-6.6%	$39.2M-13.6%	$45.4M
Merchant and credit card processing fees	$257K-20.4%	$323K-10.8%	$362K+1.7%	$356K
Debit card interchange fees	$929K+2.1%	$910K+1.7%	$895K+0.9%	$887K
Other service fees	$722K+12.8%	$640K+0.6%	$636K+10.4%	$576K
Bank owned life insurance	$1.3M+0.8%	$1.3M+78.3%	$736K+40.5%	$524K
Gain on sale of other real estate owned	$29K	—	—	—
Total Other Non-Interest Income	$3.3M+2.3%	$3.2M+21.1%	$2.6M+12.2%	$2.3M
Salaries and employee benefits	$15.1M+6.0%	$14.2M+3.4%	$13.8M+2.8%	$13.4M
Occupancy and equipment	$4.2M+2.2%	$4.1M+6.3%	$3.9M+3.7%	$3.8M
Data processing	$3.6M+21.4%	$2.9M-0.4%	$3.0M-8.3%	$3.2M
Advertising and promotion	$847K-8.7%	$928K-5.9%	$986K+21.9%	$809K
Professional fees	$1.1M-0.4%	$1.1M+2.3%	$1.1M+14.9%	$934K
FDIC insurance	$805K+1.5%	$793K+4.3%	$760K+62.4%	$468K
Loan & real estate	$303K+24.2%	$244K+13.5%	$215K+0.5%	$214K
Charitable contributions	$985K+5.5%	$934K+0.3%	$931K-0.5%	$936K
Other	$2.0M+3.6%	$2.0M+9.1%	$1.8M-9.6%	$2.0M
Total Other Non-Interest Expenses	$29.0M+6.2%	$27.3M+3.4%	$26.4M+2.5%	$25.7M
Income before Income Taxes	$16.6M+32.7%	$12.5M-19.1%	$15.5M-29.7%	$22.0M
INCOME TAX EXPENSE	$2.9M+40.1%	$2.1M-26.1%	$2.8M-34.8%	$4.3M
Net Income	$13.7M+31.2%	$10.4M-17.5%	$12.7M-28.5%	$17.7M
BASIC EARNINGS PER SHARE	$1790.00+30.7%	$1370.00-18.0%	$1670.00-28.6%	$2340.00
DILUTED EARNINGS PER SHARE	$1790.00+30.7%	$1370.00-18.0%	$1670.00-28.6%	$2340.00
DIVIDENDS PER SHARE	$480.00+14.3%	$420.00+5.0%	$400.00+14.3%	$350.00

Source: SEC EDGAR XBRL. % change vs prior period shown where available.

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Source: SEC EDGAR 10-K and 10-Q filings. Last 4 years annual and quarterly free, full history (up to 20 years) on Pro.