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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

884 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 3 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

  • + Delinquency Rate 0.85% below tier average
  • + Nonperforming Asset Ratio 0.65% below tier average
  • + Efficiency Ratio 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.17% below tier average
  • - Non-Interest Income / Assets 0.22% below tier average
  • - ROA 0.51% below tier average
Get updates when Embassy Bank for the Lehigh Valley releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $1.8B
+5.0% YoY +2.3% QoQ
-$972.6M $2.8B
-0.1% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
46%
Total Loans ? $1.3B
+1.8% YoY +0.4% QoQ
-$681.1M $2.0B
+0.6% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
46%
Total Deposits ? $1.7B
+4.3% YoY +2.5% QoQ
-$661.0M $2.3B
-0.3% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
51%
Return on Assets ? 0.85%
+22.0% YoY +5.1% QoQ
-0.51% 1.37%
+19.6% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
23%
Net Interest Margin ? 2.65%
+9.7% YoY +3.7% QoQ
-1.17% 3.82%
+6.9% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
Bottom 7.2% in tier
Efficiency Ratio ? 60.66%
-5.7% YoY -1.9% QoQ
-0.40% 61.06%
-4.6% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
47%
Delinquency Rate ? 0.04%
-1.0% YoY -1.4% QoQ
-0.85% 0.89%
+14.1% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
Top 5.6% in tier
Loan-to-Deposit Ratio ? 76.31%
-2.4% YoY -2.1% QoQ
-7.89% 84.20%
+0.3% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
74%
Non-Interest-Bearing Deposit Share ? 22.02%
+1.6% YoY +1.0% QoQ
+0.73% 21.29%
-2.5% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
60%
Nonperforming Asset Ratio ? 0.03%
-4.0% YoY -3.3% QoQ
-0.65% 0.67%
+15.6% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
Top 5.5% in tier
Tier 1 Capital Ratio ? 14.31%
+1.7% YoY -0.5% QoQ
-0.85% 15.16%
+2.0% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
66%
Non-Interest Income / Assets ? 0.04%
+8.4% YoY -78.5% QoQ
-0.22% 0.26%
+1.6% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
Bottom 6.1% in tier

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (2 metrics)

50
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#50 of 884 Top 5.5% in $1B-$10B
50
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.89%
#50 of 880 Top 5.6% in $1B-$10B

Top Weaknesses (3 metrics)

831
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.26%
#831 of 884 Bottom 6.1% in $1B-$10B
821
Net Interest Margin
profitability
Value: 2.65%
Peer Median: 3.82%
#821 of 884 Bottom 7.2% in $1B-$10B
678
Return on Assets
profitability
Value: 0.85%
Peer Median: 1.37%
#678 of 884 Bottom 23.4% in $1B-$10B
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