{"schema_version":"secwatch.filing_event.v1","accession":"0001449794-25-000032","form_type":"8-K","ticker":"EMYB","cik":"0001449794","company_name":"Embassy Bancorp, Inc.","filed_at":"2025-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.433905+00:00","generated_at":"2026-05-16T23:36:13.974420+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Embassy Bancorp YTD net income rises 30% to $10.5M; Q3 ROE 11.08%, ROA 0.87%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001449794-25-000032","json":"https://secwatch.observer/filing/0001449794-25-000032.json","markdown":"https://secwatch.observer/filing/0001449794-25-000032.md","text":"https://secwatch.observer/filing/0001449794-25-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1449794/000144979425000032/0001449794-25-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1449794/000144979425000032/emyb-20251106x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T23:36:13.974420+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}