Return On Equity	(Dec 31 2025) 2025	(Dec 31 2024) 2024	(Dec 31 2023) 2023	(Dec 31 2022) 2022	(Dec 31 2021) 2021
Y / Y Equity Change	19.81 %	0.78 %	19.69 %	-27.95 %	9.22 %
Y / Y Net Income Change	31.2 %	-17.51 %	-28.51 %	5.46 %	31.04 %
Return On Equity	10.74 %	9.8 %	11.98 %	20.05 %	13.7 %

EMYB all Ratios >> Back to EMYB Management Effectiveness >> See Quarterly EMYB Return On Equity

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Roe Comment

In (Dec 31 2025) ROE improved to 10.74 % compare to previous year, due to net income growth.

Financial Statements
Embassy Bancorp Inc 's Equity	$ 128 Millions	Annual EMYB's Balance sheet
Embassy Bancorp Inc 's Annual Income	$ 14 Millions	Annual EMYB's Income Statement
Where are EMYB's Income coming from?		Visit EMYB's Income by Segment

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