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Embassy Bancorp Inc (EMYB) Annual Income Statement

Annual · GAAP · USD millions
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Observing income statement movements over recent quarters helps explain how Embassy Bancorp Inc adapts pricing, costs, and operating efficiency.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases58.27
Interest and Dividend Income, Securities, Operating1.19
Interest Income, Federal Funds Sold and Securities Purchased under Agreements to Resell3.26
Other Income8.74
Total Interest Income71.46
Interest Expense, Deposits28.89
Interest Expense, Short-term Borrowing0.00
Net Interest (-)Expense / Income-29.04
Net Interest Income42.42
Provision for loan losses0.11
Total Net Interest Income42.32
Bank Owned Life Insurance Income1.32
Other Non-Interest Income1.94
Total Non-interest Income3.26
Total Revenues45.57
Costs & Expenses
Salaries & employee benefits, SGA0.85
Communications, Occupancy and Information Technology4.23
Professional Fees and Commission1.09
Federal Deposit Insurance Corporation Premium Expense0.81
Other Noninterest Expense2.04
Other loss /-income18.98
Total Operating Expenses28.98
Total Costs & Expenses57.87
Income & Taxes
Income /-loss before income taxes16.60
Income taxes expenses/-benefit2.90
Income after income taxes13.70
Net income/-loss of other equity0.00
Income /-loss after income taxes13.70
Net Income/-loss13.70
Income/-loss to shareholder13.70
Earnings Per Share
Basic EPS (excl. extra items)1.79
Basic Net EPS1.79
Basic shares outstanding (Mill. of Units)7.63
Diluted Net EPS1.79
Diluted average shares (Mill. of Units)7.63
Dividend per share0.48
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About Embassy Bancorp Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.