Embassy Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	108	96.52	78.92	67.3	169.69	131.91
Investment Securities	154.63	105.19	77.73	107.94	89.96	88.41
Mortgage-Backed Securities	179.68	175.64	198.34	209.05	220.3	42.53
Total Investments	334.31	280.83	276.06	316.99	310.26	130.94
Gross Loans	1,280	1,268	1,254	1,209	1,117	1,144
Allowance for Loan Losses	-11.94	-12.17	-12.46	-12.45	-11.48	-10.57
Net Loans	1,268	1,256	1,242	1,196	1,105	1,134
Property, Plant & Equipment	3.01	9.32	10.23	11.04	12.69	12.35
Accrued Interest Receivable	4.05	3.6	3.3	2.93	2.6	3.14
Long-Term Deferred Tax Assets	-	16.82	14.93	16.82	3.2	1.84
Other Long-Term Assets	59.53	41.07	31.47	28.71	29.62	28.19
Total Assets	1,778	1,704	1,656	1,640	1,633	1,442
Interest Bearing Deposits	1,101	1,034	1,009	1,056	1,089	877.11
Institutional Deposits	183.97	167.62	138.77	82.92	54.74	85.27
Non-Interest Bearing Deposits	336.06	351.37	328.67	381.81	323.51	270
Total Deposits	1,621	1,553	1,476	1,521	1,467	1,232
Short-Term Borrowings	12.12	20.52	50.24	13.38	11.25	13.61
Current Portion of Long-Term Debt	-	-	-	-	14.65	-
Current Portion of Leases	-	1.9	-	-	-	-
Accrued Interest Payable	7.07	7.81	7.84	0.99	0.65	1.64
Long-Term Debt	-	-	-	-	-	50.79
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	-	14.65
Long-Term Leases	-	4.12	6.6	7.3	8.9	9.2
Pension & Post-Retirement Benefits	-	8.1	7.8	7.3	6.7	6
Other Long-Term Liabilities	15.88	2.53	2.13	1.87	1.5	1.58
Total Liabilities	1,656	1,598	1,551	1,552	1,511	1,330
Common Stock	7.81	7.79	7.76	7.74	7.69	7.64
Additional Paid-In Capital	29.19	28.8	28.25	27.63	26.96	26.41
Retained Earnings	129.71	123.26	116.02	106.55	91.49	76.96
Treasury Stock	-2.74	-2.74	-2.67	-2.54	-2.44	-1.77
Comprehensive Income & Other	-41.53	-50.64	-43.7	-51.11	-1.19	2.94
Shareholders' Equity	122.43	106.48	105.66	88.28	122.52	112.17
Total Liabilities & Equity	1,778	1,704	1,656	1,640	1,633	1,442
Total Debt	12.12	26.54	56.84	20.68	34.8	88.26
Net Cash (Debt)	95.88	69.98	22.09	46.61	134.89	43.65
Net Cash Growth	85.07%	216.87%	-52.62%	-65.44%	209.02%	-
Net Cash Per Share	12.56	9.19	2.91	6.16	17.85	5.80
Filing Date Shares Outstanding	7.65	7.64	7.62	7.6	7.55	7.54
Total Common Shares Outstanding	7.65	7.63	7.6	7.59	7.54	7.53
Book Value Per Share	16.01	13.96	13.91	11.64	16.24	14.90
Tangible Book Value	122.43	106.48	105.66	88.28	122.52	112.17
Tangible Book Value Per Share	16.01	13.96	13.91	11.64	16.24	14.90

Source: S&P Global Market Intelligence. Banks template. Financial Sources.