Embassy Bancorp Income Statement

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	Jun '26 Jun 30, 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
Interest Income on Loans	60.28	58.27	54.29	48.72	42.21	43.57
Interest Income on Investments	14.27	13.19	10.68	8.44	8.18	3.93
Total Interest Income	74.55	71.46	64.97	57.16	50.39	47.51
Interest Paid on Deposits	28.72	28.89	28.23	17.61	4.06	3.88
Interest Paid on Borrowings	0.11	0.15	0.56	0.5	0.04	0.13
Total Interest Expense	28.83	29.04	28.79	18.12	4.1	4.01
Net Interest Income	45.72	42.42	36.18	39.04	46.28	43.49
Net Interest Income Growth	17.77%	17.24%	-7.31%	-15.65%	6.41%	14.71%
Gain (Loss) on Sale of Investments	-	-	-	-	-	0.02
Other Non-Interest Income	3.17	2.97	2.86	2.27	1.99	1.95
Total Non-Interest Income	3.47	3.26	3.19	2.63	2.34	2.4
Non-Interest Income Growth	4.59%	2.32%	21.15%	12.21%	-2.38%	-1.84%
Revenues Before Loan Losses	49.19	45.68	39.37	41.67	48.63	45.89
Provision for Loan Losses	0.64	0.11	-0.43	-0.18	0.9	0.92
Revenue	48.54	45.57	39.8	41.85	47.73	44.98
Revenue Growth	14.63%	14.50%	-4.88%	-12.33%	6.12%	18.86%
Salaries and Employee Benefits	14.96	14.72	13.73	13.2	12.88	11.72
Occupancy Expenses	2.47	2.33	2.34	2.09	1.96	1.88
Federal Deposit Insurance	0.84	0.81	0.79	0.76	0.47	0.56
Selling, General & Administrative	8.28	7.79	7.29	7.38	7.29	6.99
Other Non-Interest Expense	2.44	2.35	2.22	2.02	2.21	2.11
Total Non-Interest Expense	30.01	28.98	27.29	26.39	25.74	24.13
EBT Excluding Unusual Items	18.53	16.6	12.51	15.46	21.99	20.85
Pretax Income	18.53	16.6	12.51	15.46	21.99	20.85
Income Tax Expense	3.3	2.9	2.07	2.8	4.29	4.07
Net Income	15.24	13.7	10.44	12.66	17.7	16.79
Net Income to Common	15.24	13.7	10.44	12.66	17.7	16.79
Net Income Growth	29.81%	31.20%	-17.51%	-28.51%	5.46%	31.04%
Basic Shares Outstanding	8	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	8	8
Shares Change	-1.05%	0.24%	0.19%	0.38%	0.22%	0.41%
EPS (Basic)	2.02	1.79	1.37	1.67	2.34	2.23
EPS (Diluted)	2.01	1.79	1.37	1.67	2.34	2.22
EPS Growth	30.62%	30.66%	-17.73%	-28.83%	5.41%	30.59%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	0.550	0.480	0.420	0.400	0.350	0.300
Dividend Growth	14.58%	14.29%	5.00%	14.29%	16.67%	36.36%
Effective Tax Rate	17.78%	17.47%	16.54%	18.11%	19.51%	19.50%