Embassy Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	141.83	112.86	96.52	78.92	67.3	169.69
Investment Securities	349.61	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	349.61	341.93	280.83	276.06	316.99	310.26
Gross Loans	1,284	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	1,284	1,279	1,256	1,242	1,196	1,105
Property, Plant & Equipment	2.79	7.38	9.32	10.23	11.04	12.69
Accrued Interest Receivable	4.28	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	59.68	41.37	41.07	31.47	28.71	29.62
Total Assets	1,842	1,801	1,704	1,656	1,640	1,633
Interest Bearing Deposits	1,312	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	369.96	357.22	351.37	328.67	381.81	323.51
Total Deposits	1,682	1,640	1,553	1,476	1,521	1,467
Short-Term Borrowings	12.71	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	7.64	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	14.99	2.75	2.55	2.13	1.87	1.5
Total Liabilities	1,717	1,673	1,598	1,551	1,552	1,511
Common Stock	7.84	7.82	7.79	7.76	7.74	7.69
Additional Paid-In Capital	29.57	29.22	28.8	28.25	27.63	26.96
Retained Earnings	137.03	133.29	123.26	116.02	106.55	91.49
Treasury Stock	-7.62	-4.66	-2.74	-2.67	-2.54	-2.44
Comprehensive Income & Other	-42.01	-38.1	-50.64	-43.7	-51.11	-1.19
Shareholders' Equity	124.81	127.58	106.48	105.66	88.28	122.52
Total Liabilities & Equity	1,842	1,801	1,704	1,656	1,640	1,633
Total Debt	12.71	14.4	26.52	56.84	20.68	34.8
Net Cash (Debt)	129.13	98.46	70	22.09	46.61	134.89
Net Cash Growth	41.61%	40.65%	216.95%	-52.62%	-65.44%	209.02%
Net Cash Per Share	16.98	12.90	9.19	2.91	6.16	17.85
Filing Date Shares Outstanding	7.41	7.56	7.64	7.62	7.6	7.55
Total Common Shares Outstanding	7.41	7.55	7.63	7.6	7.59	7.54
Book Value Per Share	16.83	16.90	13.96	13.91	11.64	16.24
Tangible Book Value	124.81	127.58	106.48	105.66	88.28	122.52
Tangible Book Value Per Share	16.83	16.90	13.96	13.91	11.64	16.24

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