BETHLEHEM, Pa., Nov. 14, 2025 (GLOBE NEWSWIRE) -- On November 13, 2025, Embassy Bancorp, Inc. (OTCQX:EMYB) (the "Company") filed its Quarterly Report on Form 10-Q for the period ended September 30, 2025, a copy of which can be found at https://investors.embassybank.com/sec-filings/documents/default.aspx.

Highlights of the filing, which includes consolidated financial information of the Company and Embassy Bank For the Lehigh Valley (the "Bank"), the Company's wholly owned subsidiary, include:

Cash and cash equivalents on hand of $108.0 million at September 30, 2025, or 6.1% of total assets.

Deposits of $1.62 billion at September 30, 2025, an increase of $67.6 million, or 4.4%, from $1.55 billion at December 31, 2024. The Company does not have any brokered deposits.

Short term borrowings of $15.6 million at December 31, 2024, were repaid in full on January 2, 2025 and there were no new borrowings required during the nine months ended September 30, 2025.

Bank net interest margin (FTE) increased to 2.52% for the quarter ended September 30, 2025, up from 2.43% for the quarter ended June 30, 2025, and up from 2.21% for the prior year quarter ended September 30, 2024.

Bank cost of funds of 1.82% for the quarter ended September 30, 2025, up slightly from 1.81% for the quarter ended June 30, 2025, and down from 1.98% for the prior year quarter ended September 30, ...