Embassy Bancorp YTD net income rises 30% to $10.5M; Q3 ROE 11.08%, ROA 0.87%

Embassy Bancorp, Inc.

2025-Q3 EPS reported $1.32

YTD September 2025 net income $10.5M vs $8.1M prior year; Q3 ROE 11.08%, ROA 0.87%.
Loan yield 4.64% in Q3 2025; cost of funds 1.98%; net interest margin improving.
Deposit market share in Lehigh/Northampton counties ranks 4th at 9.05% as of June 30, 2025.
Annual dividend $0.22 per share for 2025; stock repurchase program active.
Stock price up 32.71% over 18 months through Oct 29, 2025, vs Russell 2000 +23.25%.

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