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Embassy Bank for the Lehigh Valley

$1B-$10B Specialty: Mortgage PA FDIC cert 57228

Designations: ✓ Community bank

Bethlehem, PA

10 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits +5.2% year over year ($1.7B on the books).
  • Delinquency rate 0.05%.
  • Return on assets 0.89%.
  • Efficiency ratio 59.02% vs a 59.73% peer average.
  • Loan-to-deposit ratio 77.01% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Embassy Bank for the Lehigh Valley has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 41.6% in tier
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + Efficiency Ratio 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.0% in tier
  • - Credit Risk Growth: Bottom 5.0% in tier
  • - Net Interest Margin 1.16% below tier average
  • - Non-Interest Income / Assets 0.43% below tier average
  • - ROA 0.50% below tier average
Get updates when Embassy Bank for the Lehigh Valley releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $1.9B
+5.7% YoY +0.9% QoQ
-$932.8M $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $1.3B
+3.0% YoY +1.9% QoQ
-$655.3M $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $1.7B
+5.2% YoY +1.0% QoQ
-$620.5M $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 0.89%
+17.6% YoY +4.6% QoQ
-0.50% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 2.71%
+9.6% YoY +2.3% QoQ
-1.16% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 6.8% in tier
Efficiency Ratio ? 59.02%
-7.8% YoY -2.7% QoQ
-0.71% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.05%
+33.5% YoY +37.3% QoQ
-0.82% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
Top 8.0% in tier
Loan-to-Deposit Ratio ? 77.01%
-2.1% YoY +0.9% QoQ
-8.03% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 24.01%
+9.4% YoY +9.1% QoQ
+2.74% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 0.04%
+30.1% YoY +38.5% QoQ
-0.64% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
Top 7.9% in tier
Tier 1 Capital Ratio ? 14.10%
+0.8% YoY -1.5% QoQ
-0.74% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.10%
+7.0% YoY +145.0% QoQ
-0.43% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
Bottom 9.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 24.0%
+2.1pp YoY
+2.0pp QoQ
 +2.6pp 21.4% 18.7% 22.2% 68%
Brokered Deposits n/a n/a 9.5% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 2.4%
-0.3pp YoY
0.0pp QoQ
 -11.6pp 14.0% 8.6% 12.5% 7%
CRE 31.1%
-0.3pp YoY
-0.6pp QoQ
 -18.9pp 50.0% 37.9% 41.4% 12%
1-4 Family 65.3%
+0.9pp YoY
+0.6pp QoQ
 +38.9pp 26.4% 47.8% 31.3% 96%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 3.8% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 14.1%
+0.1pp YoY
-0.2pp QoQ
 -1.5pp 15.6% 22.3% 19.7% 60%
Leverage Ratio 8.8%
-0.1pp YoY
-0.2pp QoQ
 -2.5pp 11.3% 13.2% 12.6% 8%
Total Capital Ratio 15.2%
+0.1pp YoY
-0.2pp QoQ
 -1.5pp 16.7% 23.3% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 122
+8 (+7.0%) YoY
+7 (+6.1%) QoQ
 -192 313 299 482 14%
Assets per Employee ($) $15.2M
-1.2% YoY
-4.9% QoQ
 +$4.8M $10.5M $9.2M $8.8M 90%
Branch Count 10
0 YoY
0 QoQ
 -10 20 20 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.8% 0.9% 1.0% 6%
Allowance Coverage 18.67x
-23.9% YoY
-26.4% QoQ
 0.00x 18.71x 3.63x 20.23x 94%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 22%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 12.9%
+1.0pp YoY
+0.6pp QoQ
 +0.3pp 12.6% 10.2% 11.6% 56%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.8% 1.7% 31%
Net Income ($, YTD) $8.2M
+24.0% YoY
— QoQ
 -$11.1M $19.2M $18.2M $40.4M 30%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#93 of 221 • Top 41.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#16 of 492 • Bottom 3.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#21 of 402 • Bottom 5.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

71
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#71 of 885 Top 7.9% in $1B-$10B
72
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.87%
#72 of 882 Top 8.0% in $1B-$10B

Top Weaknesses (3 metrics)

826
Net Interest Margin
profitability
Value: 2.71%
Peer Median: 3.87%
#826 of 885 Bottom 6.8% in $1B-$10B
803
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.53%
#803 of 885 Bottom 9.4% in $1B-$10B
688
Return on Assets
profitability
Value: 0.89%
Peer Median: 1.39%
#688 of 885 Bottom 22.4% in $1B-$10B
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