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Embassy Bank For The Lehigh Valley
Bethlehem, PA · FDIC Certificate #57228 · Chartered 11/0
Total assets
$1.86B
Total deposits
$1.70B
Total equity
$127.80M
Net loans
$1.31B
Branches (offices)
10
Net income (YTD)
$8.18M
Rank: #634 of 4,213 U.S. banks by assets · #30 of 109 in Pennsylvania. Assets changed 5.7% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 12.93% |
| Net interest margin (YTD) | 2.71% |
| Equity to assets | 6.87% |
| Tier 1 leverage ratio | 8.83% |
| Uninsured deposits (share of deposits) | 34.5% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 77.0% |
| Real estate loans (share of loans) | 96.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.26B | 96.4% | |
| Commercial & industrial | $31.64M | 2.4% | |
| Consumer / individual | $396.00K | 0.0% | |
| Construction & development | $33.96M | 2.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.65B | $1.54B | $8.19M | $86.69M |
| Jun 2023 | $1.68B | $1.51B | $7.05M | $94.85M |
| Jun 2024 | $1.72B | $1.57B | $5.27M | $102.45M |
| Jun 2025 | $1.76B | $1.61B | $6.60M | $114.06M |
| Jun 2026 | $1.86B | $1.70B | $8.18M | $127.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.70B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.70B.
Similar-sized banks
American Bank Of Commerce ($1.86B) · Security National Bank Of Omaha ($1.86B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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