Embassy Bancorp, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026, with the SEC on November 13, 2026, reporting third-quarter net income of $4,856 thousand and total assets of $1,805,440 thousand.

Key Highlights

  • Net income of $4,856 thousand for the three months ended September 30, 2026, compared to $3,793 thousand for the same period in 2025, according to the filing.
  • Net interest income of $12,685 thousand for Q3 2026, up from $10,851 thousand in Q3 2025, as reported in the filing.
  • Total assets of $1,805,440 thousand as of September 30, 2026, compared to $1,800,579 thousand at December 31, 2025.
  • Diluted earnings per share of $0.66 for Q3 2026, versus $0.50 for Q3 2025, per the filing.
  • Accumulated other comprehensive loss widened to $(52,403) thousand at September 30, 2026, from $(38,098) thousand at December 31, 2025, driven by unrealized holding losses on securities available for sale.
  • Treasury stock increased as the company repurchased shares under its stock repurchase plan, with 495,278 treasury shares outstanding at September 30, 2026, compared to 275,278 at December 31, 2025.
  • Dividends of $0.55 per share were declared during the nine months ended September 30, 2026, per the filing.

Embassy Bancorp's Third-Quarter 2026 Financial Results and Balance Sheet

According to the Form 10-Q filed by Embassy Bancorp, Inc. (commission file number 000-53528), a Pennsylvania-incorporated smaller reporting company headquartered in Bethlehem, PA, the company reported net income of $4,856 thousand for the three months ended September 30, 2026, compared to $3,793 thousand for the three months ended September 30, 2025. For the nine months ended September 30, 2026, net income totaled $12,718 thousand, up from $10,117 thousand in the same period of 2025. Basic and diluted earnings per share for Q3 2026 were each $0.66, compared to $0.50 in Q3 2025.

The filing disclosed total interest income of $19,616 thousand for Q3 2026, with loans (including fees) contributing $16,139 thousand. Total interest expense was $6,931 thousand, primarily from deposits at $6,924 thousand, resulting in net interest income of $12,685 thousand for the quarter. Total other non-interest expenses were $7,585 thousand for Q3 2026, with salaries and employee benefits the largest component at $3,751 thousand. Income before income taxes was $5,984 thousand, and income tax expense was $1,128 thousand.

On the balance sheet, the filing reported total assets of $1,805,440 thousand as of September 30, 2026, with loans receivable (net) of $1,339,494 thousand and securities available for sale of $327,678 thousand. Total deposits stood at $1,654,184 thousand. Total stockholders' equity declined to $117,806 thousand from $127,575 thousand at December 31, 2025, largely reflecting an expanded accumulated other comprehensive loss of $(52,403) thousand, driven by unrealized holding losses of $(18,107) thousand (before tax) on securities available for sale over the nine-month period. The company had 7,351,301 shares of common stock outstanding as of November 6, 2026. No exchange or ticker symbol is listed on the cover page, as the filing states "Securities registered pursuant to Section 12(b) of the Act: None."

What Was Disclosed

Embassy Bancorp filed its unaudited quarterly report covering the period ended September 30, 2026, disclosing Q3 net income of $4,856 thousand, total assets of $1,805,440 thousand, expanded unrealized losses on the securities portfolio, and ongoing share repurchase activity under its stock repurchase plan.