emyb-20260617x8k
false000144979400014497942026-06-172026-06-17

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): June 17, 2026

EMBASSY BANCORP, INC.

(Exact name of registrant as specified in its charter)

Pennsylvania

000-53528

26-3339011

(State or other jurisdiction

(Commission File Number)

(IRS Employer

of incorporation)

Identification No.)

100 Gateway Drive, Suite 100

Bethlehem, PA

18017

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code: (610) 882-8800

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: None.

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240. 12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ¨


‎

Item 7.01.Regulation FD Disclosure.

On June 17, 2026, Embassy Bancorp, Inc. (the “Company”), the holding company of Embassy Bank for the Lehigh Valley, in connection with its Annual Meeting of Shareholders, will be presenting financial and other information in the form of a stockholder presentation.

A copy of the stockholder presentation is attached as Exhibit 99.1 to this Current Report on Form 8-K and is being furnished to the Securities and Exchange Commission and shall not be deemed filed for any purpose.

Item 9.01.Financial Statements and Exhibits.

(d)

Exhibits

Exhibit No.

Description

99.1

Stockholder Presentation June 17, 2026.


‎

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Embassy Bancorp, Inc.

Date: June 17, 2026

By:

/s/ Jeffrey C. Skumin

Name:

Jeffrey C. Skumin

Title:

Executive Vice President,

Chief Financial Officer





Picture 1













Annual Meeting of Shareholders

June 17, 2026





Picture 2







Welcome and Introductions





-LynneNeel





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Picture 4





Caution on Forward Looking Statements





This presentation may contain forward-looking statements, including statements of goals, intentions, and expectations as to future trends, plans, events or results of Embassy Bancorp, Inc. (the “Company”) operations and policies and regarding general economic conditions.



These forward-looking statements are intended to be covered by the safe harbor for forward-looking statements provided by the Private Securities Litigation Reform Act of 1995. These statements are based upon current and anticipated economic conditions, nationally and in the Company’s market, interest rates and interest rate policy, competitive factors, and other conditions that, by their nature, are not susceptible to accurate forecast, and are subject to significant uncertainty.



Such forward-looking statements can be identified by the use of forward-looking terminology such as “believes”, “expects”, “may”, “intends”, “will”, “should”, “anticipates”, or the negative of any of the foregoing or other variations thereon or comparable terminology, or by discussion of strategy.



No assurance can be given that the future results covered by forward-looking statements will be achieved. Such statements are subject to risks, uncertainties, and other factors that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Important factors that could impact the Company’s operating results include, but are not limited to, those factors described in the “Caution About Forward-Looking Statements” section of the Company’s Form 10-K for the year ended December 31, 2025 and subsequent filings with the SEC.



Certain information contained in this presentation and statements made orally during this presentation relate to or are based on publications and other data obtained from third-party sources. While the Company believes these third-party sources to be reliable as of the date of this presentation, the Company has not independently verified, and makes no representation as to the adequacy, fairness, accuracy or completeness of, any information obtained from third-party sources.



Figures as of and for the twelve months ended December 31, 2021 to 2025 are based on audited financials. First quarter 2026 figures in this presentation are unaudited.



This presentation contains supplemental financial information which has been derived by methods other than GAAP. These non-GAAP financial measures may not be comparable to similarly named measures used by other companies and should not be considered a substitute for GAAP measures.



3











Picture 5



Board

of Directors











David M. Lobach, Jr.

Chairman



Frank "Chip" Banko IIIGeoffrey F. BoyerJohn G. Englesson

































Bernard M. LesavoyJohn C. PittmanPatti Gates SmithJohn T. Yurconic



4

















Picture 7





Leadership Team































David M. Lobach, Jr.Judith A. HunsickerDiane M. CunninghamLynne M. NeelJeffrey C. Skumin





























Mark A. CascianoMichael B. MacyBrandi L. StefanovJennifer A. Tropeano









5















Picture 9



Business of the Meeting

























Dave LobachJudy Hunsicker



6

















Picture 13



Business of the Meeting7 Determination of a quorum

















Picture 14



Business of the Meeting











ThePollsare NowOpen













8



















Picture 15



To elect two Class 1 Directors of the Company for a term of 3 years:



Frank “Chip” Banko III Geoffrey F. Boyer





























9















Picture 21







Business of the meeting proposal #2 To ratify the appointment of Baker Tilly US, LLP as the Company’s independent registered public accounting firm for the year ending December 31, 2026.





























10













Picture 22



Business of the Meeting











ThePollsare NowClosed













11















Picture 23







Here for





Positively different.

-LynneNeel

















Picture 24





Corporate Overview



Ticker

EMYB

Exchange

OTC Markets (OTCQX)

Market Capitalization

$151.11M

Insider Ownership

31%

Total Assets

$1,842M

Headquarters

Bethlehem, PA

# of Branches

10

Year Established

2001

Strategic Footprint

Lehigh Valley, PA



13As of March 31, 2026















Picture 26







Here for good Financial Highlights



31% year-over-year increase in net income



Strong core deposit growth with no brokered deposits









Expanded net interest margin and declining cost of funds



Industry-leading efficiency and productivity



2024-2025 Cash Dividend

increase of 14%













14











Picture 27



Here for good

Recognition

































Morning Call Readers’ Choice Best Bank

11 Consecutive Years



Bauer Financial, Inc.

5-Star Rating



Who’s Who in Business Lehigh Valley

5 Consecutive Years













15















Picture 29





Here for good

Community Engagement





$1.2M$16.5M192



donated to local charities and organizations in 2025



of support to Lehigh Valley agencies since 2001



organizations served

in 2025











16













Picture 30





Expanding Relationships: Lending & Deposit Growth





-DianeCunningham



























17

















Picture 31



Lending Portfolio Highlights

Loans*

($ millions)



























$1,108















$1,208









$1,254









$1,268





$1,290



$1,295

















202120222023202420251Q2026





18*PPP loans not included

















Picture 32





Continued Loan Yield Expansion





















3.35% 3.30%









3.92%

3.60%







4.20% 4.32%







4.14% 4.14% 4.43%



5.10% 5.26%

4.81%











3.69% 3.65%







4.32%

3.96%





4.58% 4.71%





























Consumer



Commercial*



Total*















19*PPP loans not included













Picture 33



Diversified Loan Mix











1Q2026 Loan Composition



1Q2026 Commercial Real Estate (CRE)*



1Q2026 CRE

Composition





























Commercial 47%





Consumer & Mortgage 53%



























Non-CRE

Loans 68%







CRE

Loans 32%



Non-Farm/Non

-Res Non-Owner Occupied 40%





Other 1%





Construction & Land Dev. 7%

















Multifamily Res. 30%















20*As a percent of total loans















Picture 34



Best-in-Class Asset Quality Non-CurrentLoansto TotalLoans Peer Comparison





  Nat'l Benchmark

0.80%PA

Peers 0.59%



Nat'l Benchmark 0.82%



PA

Peers 0.78%















Embassy 0.04%



Embassy 0.04%







2025



1Q2026





Zero Bank-Owned Properties





Figures based on Median Values, banks with assets of $100M to $5B.

21Source: S&P Global Market Intelligence/Arcsalus Advisors.

Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.

















Picture 35





Cost-Efficient Deposit Growth

DepositGrowth& Costof FundsCostofFunds Peer Comparison











1.86%







$1,640



$1,682





2.04%













1.90%





$1,553





1.69%









202420251Q2026

Deposits ($millions)Cost of Funds



Embassy BankNat'l BenchmarkPA Peers

1Q2026











Figures based on Median Values, banks with assets of $100M to $5B.

22Source: S&P Global Market Intelligence/Arcsalus Advisors.

Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.















Picture 36



Average Deposits per Branch





EmbassyBank

($000’s)



$161,442$168,234

























June 2025March 2026



2025 Peer Comparison*

($000’s, as of June 2025)





$161,442



$119,790



















Embassy BankPeers













23*Source: FDIC Summary of Deposits Statistics Lehigh and Northampton Counties and internal records.















Picture 37



Deposit Growth by Design

Year-End 2025



New AccountActivity

(9,996 Accounts)



Composition

(% of Total)









1,490

Savings



3,584

Checking





27%

Savings



39%

Checking





















4,922

CD





34% CD











24















Picture 38



4th in Deposit Market Share

Lehigh and Northampton Counties as of June 30, 2025





Rank

Institution Name

    Total Active Branches

    Total Deposits ($000)

   Deposit Market Share (%)

YoY Change in Branches

      YoY Deposit Growth (%)

1

Wells Fargo Bank NA

21

3,468,493

19.43

(1)

-2%

2

Truist Bank

17

2,006,068

11.24

0

-11%

3

Fulton Bank NA

13

1,634,960

9.16

0

-1%

4

Embassy Bank for the Lehigh Valley

10

1,614,424

9.05

0

3%

5

PNC Bank NA

11

1,451,201

8.13

0

5%

6

Bank of America NA

7

1,180,017

6. 61

0

-2%

7

TD Bank NA

5

901,136

5.05

(2)

-3%

8

American Bank

1

822,091

4.61

0

12%

9

Santander Bank NA

7

679,304

3.81

0

-3%

10

New Tripoli Bank

3

563,908

3.16

0

0%

25Source: FDIC Summary of Deposits Annual Survey



















Picture 39



Optimizing Efficiency and Liquidity for Growth





Jeffrey Skumin

























26















Picture 40





2025 Performance Benchmark Data 27





Embassy Bank

PA Peer Group

Nat'l Benchmark

 Embassy Outperforms

Net Interest Margin (FTE) (%)(1)

2.47

3.46

3.71



Cost of Funds (%)

1.80

1.93

2.03



Net Overhead (%)(2)

1.39

1.84

2.01



Efficiency Ratio (%)(1)

61.04

65.25

62.91



Assets per Employee ($000)

15,798

7,975

10,004



Nonperforming Assets to Total Assets (%)

0.07

0.49

0.37



Noncurrent Loans to Total Loans (%)

0.04

0.59

0.44



Return on Average Assets (%)

0.79

0.97

1.03



Return on Average Equity (%)

12.28

10.65

10.50



Figures based on Median Values, banks with assets of $100M to $5B. Source: S&P Global Market Intelligence/Arcsalus Advisors. Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.

(1) Non- GAAP financial metrics. The Company believes the use of tax equivalent basis in determining net interest margin provides meaningful information to the reader when comparing taxable on non-taxable assets. The efficiency ratio equals non-interest expense divided by operating revenue.

(2) Net overhead ratio equals the net of non-interest expense less non-interest income, divided by average total assets.



















Picture 41





2025 Industry-Leading Efficiency





     Net OverheadRatio(1)







2.01%1.84%

















61.04%



Efficiency Ratio(2)



65.25%

62.91%



SalaryandBenefitsExpense toAverageAssets



1.46%

1.34%



0.84%

1.39%















Embassy Bank

 

National Benchmark



PA Peer Group



Embassy Bank

 

National Benchmark



PA Peer Group



Embassy Bank

 

National Benchmark



PA Peer Group















Figures based on Median Values, banks with assets of $100M to $5B. Source: S&P Global Market Intelligence/ Arcsalus Advisors.

28Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.

(1) Net overhead ratio equals the net of non-interest expense less non-interest income, divided by average assets.

(2) Non-GAAP financial metric. Efficiency ratio equals non-interest expense divided by operating revenue.

















Picture 42



2025 Productivity Leader

(Per Employee)





Assets



Loans



Deposits



Revenue



($000’s)($000’s)($000’s)($000’s)





$15,798





$11,327



$14,395





$152.79









$10,004







$7,975



$7,095









$5,061





$8,286







$6,586





$91.34$90.40















Embassy Bank

 

National Benchmark



PA Peer Group



Embassy Bank

 

National Benchmark



PA Peer Group



Embassy Bank

 

National Benchmark



PA Peer Group



Embassy Bank

 

National Benchmark



PA Peer Group















Figures based on Median Values, banks with assets of $100M to $5B.

29Source: S&P Global Market Intelligence/ Arcsalus Advisors.

Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.















Picture 43



Stable Funding & Liquidity Strength

(As of 12/31/2025)





$1B$313M$729M







Total Liquidity



Cash, Cash Equivalents & Unpledged Securities





No Brokered Deposits

    

Available Borrowing Facilities









30

















Picture 44





SecuritiesAvailable for Sale

 

PortfolioEffective Duration(in Years)













2.23%



2.58%2.68%



7.10









5.605.555.50









202420251Q2026

Available for SaleYield





2023202420251Q2026













Embassy Bancorp classifies its entire securities portfolio as available for sale.

311Q26 securities yield is annualized.

Figures presented based on internal documents.















Picture 45





Delivering Earnings Performance





-JudithHunsicker



























32















Picture 46



Expanding Net Interest Margin

InterestIncome&



InterestExpense

($000’s)



NetInterestIncome

($000’s)



NetInterestMargin

(Annualized)





2.59%











$57,157





$71,462

$64,971













$39,039













$36,184











$42,424





2.43%

















2.21%



2.47%







$18,118



$28,787



$29,038











202320242025

Interest IncomeInterest Expense



202320242025



2023202420251Q26







33















Picture 47



Driving Net Income Growth

($000’s)

Annual TrendQuarterly Trend









20242025



1Q20251Q2026











34















Picture 48

Creating Shareholder Value





-DaveLobach



























35

















Picture 49



EMYB Stock Price Performance

5/15/2025 – 5/15/2026









$20.30







$19.50









$18.20





$17.35









$16.17









$14.95





















36Source: S&P Capital IQ Pro as of May 15, 2026















Picture 50



One-Year Price Return 5/15/2025 – 5/15/2026





37.22%35.79%







33.35%







25.21%24.40%





19.11%





17.02%







13.28%12.80%











9.89%













NASDAQ

EMYB

Russell

S&P 500

Russell

S&P Banks

Dow Jones

S&P US

S&PUS

NASDAQ





2000



3000

Mid-Atlantic

Industrial

MidCap

SmallCap

Bank













Average

Banks

Banks













37Source: S&P Capital IQ Pro as of May 15, 2026















Picture 51





One-Year Price Return – Bank Indices 5/15/2025 – 5/15/2026







35.79%













19.11%



13.28%12.80%

9.89%













EMYBS&P Banks Mid-AtlanticS&P US MidCap BanksS&PUS SmallCap BanksNASDAQ Bank













38Source: S&P Capital IQ Pro as of May 15, 2026













Picture 52



Book Value per Share

















9.18%

Compounded Annual Growth Rate (2002-2025)



654.46%

Overall Growth Rate (2002-2025)

















39

















Picture 53

Stock Repurchase Plan



October 2025: Board approved

$5 million stock repurchase plan.



March 31, 2026: 258,301

shares repurchased. Total proceeds of $4.86 million.



June 2026: Company announced expansion of the Repurchase Plan, authorizing up to an additional $5 million in share repurchases.













40



















Picture 54



Return on Average Assets

20251Q2026

(Annualized)

















1.22%













0.79%



0.97%1.03%









0.84%



1.02%





























Embassy BankPA Peer GroupNational

Benchmark



Embassy Bank PA Peer GroupNational

Benchmark









Figures based on Median Values, banks with assets of $100M to $5B.

41Source: S&P Global Market Intelligence/Velligan-Blaxall Consultants, LLC. Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.















Picture 55



Return on Average Shareholder Equity

20251Q2026

(Annualized)



12.28%







10.65%10.50%



12.35%11.59%

10.76%































Embassy BankPA Peer GroupNational

Benchmark





Embassy Bank PA Peer GroupNational

Benchmark











Figures based on Median Values, banks with assets of $100M to $5B.

42Source: S&P Global Market Intelligence/ Arcsalus Advisors.

Benchmark: Stock banks across the U.S. Peer Group: Banks headquartered in PA.















Picture 56



Annual Dividend Announcement

$0.55



















$0.20$0.22













$0.30











$0.35







$0.40





$0.42



$0.48















20192020202120222023202420252026









43Shareholders of record as of 06/26/2026

Payable 07/14/2026















Picture 57





Thank you 44















Picture 58



Closing Items





















Questions & Answers

 

Results of Voting



Conclusionof Meeting

















45