Embassy Bancorp reassures stability amid bank failures; cites record 2022 earnings, no SVB-style risks

Embassy Bancorp, Inc.

Record earnings for 2022 expected; year-over-year loan and deposit growth continues.
Bank well-capitalized with no outstanding borrowings and ample liquidity sources.
Investment portfolio: U.S. govt/agency and municipal bonds; no fintech, crypto, or sub-debt.
Loans conservatively underwritten, diversified, well-collateralized with strong credit quality.
All deposits FDIC-insured up to limits; locally sourced; business model differs from SVB.

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