<div><div></div><div><span><p><span>Embassy Bancorp, Inc. reported first-quarter 2026 results with revenue and earnings rising versus the year-ago quarter as interest income and net interest margin improved. Net income was $3.7M and diluted EPS was $0.5 for the quarter.</span></p><p><strong><span>Financial Highlights</span></strong></p><ul><li><span>Revenue was $18.504M, compared with $16.938M in the prior-year quarter; YoY change 9.2%.</span></li><li><span>Net income was $3.739M, compared with $2.887M in the prior-year quarter; YoY change 29.5%.</span></li><li><span>Diluted EPS was $0.50, compared with $0.38 in the prior-year quarter; YoY change 31.6%.</span></li></ul><p><strong><span>Business Highlights</span></strong></p><ul><li><span>Revenue growth: Net income rose 29.5% YoY to $3.7M, driven by $1.6M higher interest income and an improved net interest margin.</span></li><li><span>Deposit &amp; funding momentum: Core deposits increased $41.6M quarter‑over‑quarter with strong growth in interest-bearing and noninterest demand balances.</span></li><li><span>Digital &amp; channel shift: Greater online banking usage supported deposit growth and customer acquisition; cross‑marketing strengthened relationships.</span></li><li><span>Operational investments: The bank implemented new content management and general ledger systems, raising data processing costs while modernizing operations.</span></li><li><span>Credit &amp; asset quality: Loan portfolio remained stable with nonperforming loans at 0.04% and continued disciplined underwriting on CRE exposure.</span></li></ul><p><span>Original SEC Filing: </span>Embassy Bancorp, Inc. [ EMYB ] - 10-Q - May. 13, 2026</p><section><b><span class="heading-aHOVUrmQ">Disclaimer</span></b><div><span>This is an AI-powered summary. It may contain inaccuracies. Consider verifying important information with the source. Please note this summary is solely based on documents filed with the SEC.</span></div></section></span></div></div>

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<p>Embassy Bancorp, Inc. reported a revenue of $18.5M and diluted EPS of $0.5 for Q1 2026, reflecting a 9.2% increase in revenue and a 31.6% rise in EPS year-over-year. Net income rose 29.5% to $3.7M, driven by higher interest income and improved net interest margin. Core deposits increased by $41.6M, supported by enhanced online banking usage. The bank also modernized operations with new systems while maintaining a stable loan portfolio with nonperforming loans at 0.04%.</p>

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Embassy Bancorp, Inc. 1Q 2026: Revenue $18.5M, EPS $0.5— 10-Q Summary