Embassy Bancorp (EMYB) Bank-Owned Life Insurance (2011 - 2026)
Embassy Bancorp (EMYB) recorded Bank-Owned Life Insurance of $38.68 million in Q2 2026, up 3.7% from $37.29 million a year earlier and up 1.3% from the prior quarter.
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Analysis
Embassy Bancorp (EMYB) Bank-Owned Life Insurance (2011 - 2026) Analysis & Trends
At the end of FY2025, Embassy Bancorp reported Bank-Owned Life Insurance of $37.97 million, up 3.6% from FY2024.
- Annual Bank-Owned Life Insurance has increased for three straight years, with a five-year compound annual growth rate of 8.6% (FY2020 to FY2025).
- Across earlier years, Bank-Owned Life Insurance came in at $36.65 million in FY2024 (+39.3%), $26.31 million in FY2023 (+2.8%), $25.6 million in FY2022 (-0.7%) and $25.8 million in FY2021 (+2.4%).
- The Q2 2026 figure is the highest quarterly Bank-Owned Life Insurance in data going back to Q4 2011.
- On a year-over-year basis, Bank-Owned Life Insurance has increased for 14 consecutive quarters, with growth averaging 12.6% over the last eight quarters.
- Peak year-over-year performance for Bank-Owned Life Insurance in the last five years was growth of 39.3% in Q4 2024, against a decline of 0.9% in Q2 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at $38.18 million (Q1 2026), $37.97 million (Q4 2025) and $37.66 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | BOLI (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | - |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | - |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | - |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | - |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | - |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | - |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | - |
| 10 | Embassy Bancorp | 153.64 Mn | -858.34 Mn | - | 38.83 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 38.83 Mn |
| Jun 30, 2026 | 38.68 Mn |
| Mar 31, 2026 | 38.18 Mn |
| Dec 31, 2025 | 37.97 Mn |
| Sep 30, 2025 | 37.66 Mn |
| Jun 30, 2025 | 37.29 Mn |
| Mar 31, 2025 | 36.82 Mn |
| Dec 31, 2024 | 36.65 Mn |
| Sep 30, 2024 | 36.23 Mn |
| Jun 30, 2024 | 35.87 Mn |
| Mar 31, 2024 | 35.63 Mn |
| Dec 31, 2023 | 26.31 Mn |
| Sep 30, 2023 | 26.07 Mn |
| Jun 30, 2023 | 25.97 Mn |
| Mar 31, 2023 | 25.77 Mn |
| Dec 31, 2022 | 25.60 Mn |
| Sep 30, 2022 | 25.43 Mn |
| Jun 30, 2022 | 25.31 Mn |
| Mar 31, 2022 | 25.45 Mn |
| Dec 31, 2021 | 25.80 Mn |
API Access
Embassy Bancorp Bank-Owned Life Insurance API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=bank-owned-life-insurance&ticker=EMYB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "bank-owned-life-insurance", "ticker": "EMYB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=bank-owned-life-insurance&ticker=EMYB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();