Embassy Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	112.86	96.52	78.92	67.3	169.69
Investment Securities	153.94	105.19	77.73	107.94	89.96
Mortgage-Backed Securities	187.99	175.64	198.34	209.05	220.3
Total Investments	341.93	280.83	276.06	316.99	310.26
Gross Loans	1,291	1,268	1,254	1,209	1,117
Allowance for Loan Losses	-12.04	-12.17	-12.46	-12.45	-11.48
Net Loans	1,279	1,256	1,242	1,196	1,105
Property, Plant & Equipment	7.38	9.32	10.23	11.04	12.69
Accrued Interest Receivable	4.28	3.6	3.3	2.93	2.6
Long-Term Deferred Tax Assets	13.56	16.82	14.93	16.82	3.2
Other Long-Term Assets	41.37	41.07	31.47	28.71	29.62
Total Assets	1,801	1,704	1,656	1,640	1,633
Interest Bearing Deposits	1,099	1,034	1,009	1,056	1,089
Institutional Deposits	184.38	167.62	138.77	82.92	54.74
Non-Interest Bearing Deposits	357.22	351.37	328.67	381.81	323.51
Total Deposits	1,640	1,553	1,476	1,521	1,467
Short-Term Borrowings	9.88	20.52	50.24	13.38	11.25
Current Portion of Long-Term Debt	-	-	-	-	14.65
Current Portion of Leases	1.92	-	-	-	-
Accrued Interest Payable	7.2	7.81	7.84	0.99	0.65
Long-Term Leases	2.61	6	6.6	7.3	8.9
Pension & Post-Retirement Benefits	8.4	8.1	7.8	7.3	6.7
Other Long-Term Liabilities	2.75	2.55	2.13	1.87	1.5
Total Liabilities	1,673	1,598	1,551	1,552	1,511
Common Stock	7.82	7.79	7.76	7.74	7.69
Additional Paid-In Capital	29.22	28.8	28.25	27.63	26.96
Retained Earnings	133.29	123.26	116.02	106.55	91.49
Treasury Stock	-4.66	-2.74	-2.67	-2.54	-2.44
Comprehensive Income & Other	-38.1	-50.64	-43.7	-51.11	-1.19
Shareholders' Equity	127.58	106.48	105.66	88.28	122.52
Total Liabilities & Equity	1,801	1,704	1,656	1,640	1,633
Total Debt	14.4	26.52	56.84	20.68	34.8
Net Cash (Debt)	98.46	70	22.09	46.61	134.89
Net Cash Growth	40.65%	216.95%	-52.62%	-65.44%	209.02%
Net Cash Per Share	12.90	9.19	2.91	6.16	17.85
Filing Date Shares Outstanding	7.56	7.64	7.62	7.6	7.55
Total Common Shares Outstanding	7.55	7.63	7.6	7.59	7.54
Book Value Per Share	16.90	13.96	13.91	11.64	16.24
Tangible Book Value	127.58	106.48	105.66	88.28	122.52
Tangible Book Value Per Share	16.90	13.96	13.91	11.64	16.24

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