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Balance Sheets Overview
Debt to Asset Ratio
93.11%
Unit: Thousand (K) dollars
Assets Breakdown
Loans receivable, net of allowan...
Securities available for sale
Cash and cash equivalents
Others
Liabilities Breakdown
Interest bearing
Non-interest bearing
Retained earnings
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
16,748
15,009
13,459
17,394
Interest bearing demand deposits with banks
115,193
125,824
98,400
89,603
Federal funds sold
1,000
1,000
1,000
1,000
Cash and cash equivalents
132,941
141,833
112,859
107,997
Securities available for sale
347,888
349,606
341,930
334,314
Restricted investment in bank stock
1,126
1,051
1,051
1,051
Receivable, gross
1,319,329
1,294,906
1,290,260
1,279,148
Unearned origination fees
1,003
981
980
932
Allowance for credit losses
12,456
12,096
12,039
11,941
Loans receivable, net of allowance for credit losses of 12,456 in 2026 12,039 in 2025
1,307,876
1,283,791
1,279,201
1,268,139
Premises and equipment, net of accumulated depreciation
2,743
2,785
2,879
3,014
Bank owned life insurance
38,678
38,182
37,974
37,656
Accrued interest receivable
4,453
4,282
4,276
4,054
Other assets
23,341
20,442
20,409
21,834
Total assets
1,859,046
1,841,972
1,800,579
1,778,059
Non-interest bearing
403,210
369,957
357,220
336,060
Interest bearing
1,290,481
1,311,871
1,283,032
1,284,503
Total deposits
1,693,691
1,681,828
1,640,252
1,620,563
Securities sold under agreements to repurchase
7,747
12,708
9,880
12,116
Accrued interest payable
7,389
7,635
7,198
7,068
Other liabilities
22,165
14,994
15,674
15,878
Total liabilities
1,730,992
1,717,165
1,673,004
1,655,625
Common stock, 1 par value authorized 20,000,000 shares 2026 issued 7,840,882 shares outstanding 7,405,604 shares 2025 issued 7,822,622 shares outstanding 7,547,344 shares
7,841
7,840
7,823
7,813
Surplus
29,617
29,565
29,223
29,185
Retained earnings
137,077
137,026
133,287
129,707
Accumulated other comprehensive loss
-38,647
-42,005
-38,098
-41,532
Treasury stock, at cost 435,278 and 275,278 shares at june 30, 2026 and december 31, 2025, respectively
7,834
7,619
4,660
2,739
Total stockholders' equity
128,054
124,807
127,575
122,434
Total liabilities and stockholders' equity
1,859,046
1,841,972
1,800,579
1,778,059
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Receivable, gross
$1,319,329K
(2.99%↑ Y/Y)
Interest bearing demand
deposits with banks
$115,193K
(57.81%↑ Y/Y)
Cash and due from
banks
$16,748K
(-6.04%↓ Y/Y)
Federal funds sold
$1,000K
(0.00%↑ Y/Y)
Unearned origination
fees
$1,003K
(15.69%↑ Y/Y)
Loans receivable, net
of allowance for...
$1,307,876K
(2.98%↑ Y/Y)
Securities available for
sale
$347,888K
(5.97%↑ Y/Y)
Cash and cash
equivalents
$132,941K
(44.79%↑ Y/Y)
Bank owned life
insurance
$38,678K
(3.73%↑ Y/Y)
Other assets
$23,341K
(-0.95%↓ Y/Y)
Accrued interest
receivable
$4,453K
(8.40%↑ Y/Y)
Premises and equipment,
net of accumulated...
$2,743K
(-13.42%↓ Y/Y)
Restricted investment in
bank stock
$1,126K
(7.14%↑ Y/Y)
Allowance for credit
losses
$12,456K
(204.63%↑ Y/Y)
Total assets
$1,859,046K
(5.67%↑ Y/Y)
Total liabilities and
stockholders' equity
$1,859,046K
(5.67%↑ Y/Y)
Total liabilities
$1,730,992K
(5.23%↑ Y/Y)
Total stockholders'
equity
$128,054K
(12.02%↑ Y/Y)
Accumulated other
comprehensive loss
-$38,647K
(15.65%↑ Y/Y)
Treasury stock, at cost
435,278 and 275,278...
$7,834K
(186.02%↑ Y/Y)
Total deposits
$1,693,691K
(5.18%↑ Y/Y)
Other liabilities
$22,165K
(14.02%↑ Y/Y)
Securities sold under
agreements to repurchase
$7,747K
(-2.27%↓ Y/Y)
Accrued interest
payable
$7,389K
(-0.54%↓ Y/Y)
Retained earnings
$137,077K
(8.87%↑ Y/Y)
Surplus
$29,617K
(1.63%↑ Y/Y)
Common stock, 1 par
value authorized...
$7,841K
(0.37%↑ Y/Y)
Interest bearing
$1,290,481K
(2.42%↑ Y/Y)
Non-interest bearing
$403,210K
(15.12%↑ Y/Y)
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Embassy Bancorp, Inc. (EMYB)
Embassy Bancorp, Inc. (EMYB)