8-K
Embassy Bancorp, Inc. (EMYB)
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): November 6, 2025
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.
The attached presentation contains information to which members of Embassy Bancorp, Inc. management will refer during meetings with select investors, stakeholders and other interested parties during the third quarter of 2025.
A copy of the 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 | Stakeholder Presentation November 6, 2025. |
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: November 6, 2025 | By: | /s/ Judith A. Hunsicker |
| Name: | Judith A. Hunsicker | |
| Title: | First Executive, Chief Operating | |
| and Financial Officer |
November 2025 Stakeholder Presentation File
Embassy Bancorp, Inc. 1
The Story of us embassy Bancorp, inc. 2
The Embassy Vision
Embassy Bank is a happy, team-oriented, entrepreneurial group of local professionals with significant financial services experience.
We possess an unmatched level of dedication to providing our valued customers with exceptional service.
Our total focus on customer satisfaction is the catalyst, continuously driving us to be able to provide the best financial products, services, technology and solutions.
As a team, we will strive to exceed customer expectations while setting the standard for relationship banking in the Lehigh Valley.
By regularly soliciting feedback from all Embassy Bank stakeholders - customers, employees, management, advisory boards, shareholders, directors and the Lehigh Valley community -we will constantly improve these attributes, contributing to shareholder value and generating exceptional performance. Embassy Bancorp, inc. 3
From humble beginnings … embassy Bancorp, inc. 4
To lehigh valley strong lehigh county Allentown Bethlehem Easton Northampton county embassy Bancorp, inc. 5
24
Years Serving Lehigh Valley10
Branch
Offices114
Dedicated Team Members29,439
Satisfied
Customers embassy bank figures as of 3/31/2025 embassy Bancorp inc. 6
Celebrating 25 years embassy bank for the lehigh valley 7
Supporters of Our Community $1.1M $14M192$4Bdonated to local charities and organizations annuallyof support to Lehigh Valley agencies since 2001organizations served in 2024In loans granted to Lehigh Valley residents and businesses since 2001 embassy Bancorp, inc. 8
Excellence in BankingMorning Call Readers’ Choice
Best Bank 11 Years in a rowWho’s Who in Business Lehigh Valley American banker American banker magazine 45th of top 100 embassy Bancorp, inc. 9
winner 2022, 2023, 2024, 2025 Bauer Financial, Inc.
5-Star Rating
4th in Deposit Market ShareLehigh 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 2
345678910 1Wells Fargo Bank NA213,468,49319.43(1)-2%
2Truist Bank172,006,06811.240-11%
3Fulton Bank NA131,634,9609.160-1%
4Embassy Bank for the Lehigh Valley
10
1,614,424
9.05
0
3%
5PNC Bank NA111,451,2018.1305%
6Bank of America NA71,180,0176. 610-2%
7TD Bank NA5901,1365.05(2)-3%
8American Bank1822,0914.61012%
9Santander Bank NA7679,3043.810-3%
10New Tripoli Bank3563,9083.1600%Source: FDIC Summary of Deposits 10 embassy Bancorp, inc. Annual Survey
(10-Year Growth Trends in $millions) 20152016201720182019202020212022202320242Q2025
$1,610
$1,467
$1,521
$1,476
$1,553
$690
$660$799$833$858$901$957$932$1,013 $1,032$1,090$1,232
$1,108 *does not included ppp loans embassy Bancorp, inc. 11 total deposits total loans*
$1,208
$1,254
$1,268
Core performance indicators – embassy bank for the lehigh valley $8,121 $10,515 ytd September 2024 ytd September 2025 net income Source: S&P Global Market Intelligence – Embassy Bank
12For the Lehigh Valley based on filed Call Report Data embassy Bancorp, inc.
Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025 Q3 2024Q4 2024Q1 2025Q2 2025Q3 20254.64% core performance indicators embassy bank for the lehigh valley.
1.98%
4.52%
1.91%
4.37%
4.43%
4.40%
1.80%1.81%1.82%
Loan yield cost of funds Source: S&P Global Market Intelligence – Embassy Bank
13For the Lehigh Valley based on filed Call Report Data embassy Bancorp, inc.
core performance indicators embassy bank for the lehigh valley. Source: S&P Global Market Intelligence – Embassy Bank
13For the Lehigh Valley based on filed Call Report Data embassy Bancorp, inc. return on average shareholders equity return on average assets Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025 Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025
12.65%13.25% 10.52%10.22%11.08% 0.65%0.65%0.69% 0.79% 0.87%
Your investment at work 522.83% overall growth rate (2002-2024) embassy Bancorp, inc. 15
Annual dividends
20182019202020212022202320242025
$0.40$0.42$0.35$0.30 $0.48
$0.17
$0.20 embassy Bancorp, inc. 16
$0.22
Embassy Bancorp, inc. embassy Bancorp, inc vs russell 2000 small cap stock index over 18 months through October 29, 2025. Price change emyb up 32.71% russell 2000 up 23.25% emyp share price RUT index value JunJulAugSepOctNovDecFebMarAprMayJunJulAugSepOct 17 May
Reduces Outstanding Shares Provides Liquidity
Supports Stock Price
Grows Insider Ownership
Increases Earning Per Share
Signals Confidence Enhancing Shareholder value Stock Repurchase Program embassy Bancorp, inc. 18
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.’s (“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, (i) the effects of changing economic conditions in the Company’s market areas and nationally, (ii) credit risks of commercial, real estate, consumer and other lending activities, (iii) significant changes in interest rates and related deposit flows, (iv) changes in federal and state banking laws and regulations which could impact the Company’s operations including policies of the U.S. Department of Treasury and Federal Reserve system, (v) changes in accounting policies or procedures as may be required by FASB or regulatory agencies, (vi) geopolitical events in the Ukraine and Russia,
(vii) adverse developments in the financial industry generally, such as the recent bank failures and related responsive measures to manage such developments, and (viii) other external developments which could materially affect the Company’s business and operations, as well as the risks described in the Company’s Form 10-K for the year ended December 31, 2024 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. Caution on forward looking statements embassy Bancorp, inc. 19