---
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"
generated_at: "2026-05-16T23:36:13.974420+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001449794-25-000032
- JSON: https://secwatch.observer/filing/0001449794-25-000032.json
- Plain text: https://secwatch.observer/filing/0001449794-25-000032.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.