Embassy Bancorp (EMYB) Bank-Owned Life Insurance Income (CF) (2012 - 2026)
Embassy Bancorp's Bank-Owned Life Insurance Income (CF) was $496,000 in Q2 2026, up 6.9% from $464,000 a year earlier and up 138.5% from the prior quarter.
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Analysis
Embassy Bancorp (EMYB) Bank-Owned Life Insurance Income (CF) (2012 - 2026) Analysis & Trends
On a trailing twelve-month basis, Embassy Bancorp's Bank-Owned Life Insurance Income (CF) was $1.39 million through Jun 30, 2026, down 2.1% year-over-year; for FY2025, it was $1.32 million, up 0.8% from FY2024.
- Bank-Owned Life Insurance Income (CF) has now increased for three consecutive years, with a five-year compound annual growth rate of 7.3% (FY2020 to FY2025).
- In earlier years, Bank-Owned Life Insurance Income (CF) was $1.31 million in FY2024 (+78.3%), $736,000 in FY2023 (+40.5%), $524,000 in FY2022 (-13.7%) and $607,000 in FY2021 (-34.7%).
- The Q2 2026 figure marks the highest quarterly Bank-Owned Life Insurance Income (CF) in data going back to Q1 2012.
- Compared with a year earlier, Bank-Owned Life Insurance Income (CF) was higher in six of the last eight quarters, with growth averaging 49.9%.
- The best year-over-year quarter for Bank-Owned Life Insurance Income (CF) over five years was Q3 2024 (growth of 263.6%); the worst was Q1 2023 (a decline of 45.8%).
- Per Business Quant data, EMYB's Bank-Owned Life Insurance Income (CF) in the three quarters before Q2 2026 was $208,000 (Q1 2026), $318,000 (Q4 2025) and $369,000 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | BOLI Income (CF) (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 | - | 276,000.00 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 276,000.00 |
| Jun 30, 2026 | 496,000.00 |
| Mar 31, 2026 | 208,000.00 |
| Dec 31, 2025 | 318,000.00 |
| Sep 30, 2025 | 369,000.00 |
| Jun 30, 2025 | 464,000.00 |
| Mar 31, 2025 | 171,000.00 |
| Dec 31, 2024 | 426,000.00 |
| Sep 30, 2024 | 360,000.00 |
| Jun 30, 2024 | 235,000.00 |
| Mar 31, 2024 | 291,000.00 |
| Dec 31, 2023 | 245,000.00 |
| Sep 30, 2023 | 99,000.00 |
| Jun 30, 2023 | 192,000.00 |
| Mar 31, 2023 | 200,000.00 |
| Dec 31, 2022 | 177,000.00 |
| Sep 30, 2022 | 117,000.00 |
| Jun 30, 2022 | -139,000.00 |
| Mar 31, 2022 | 369,000.00 |
| Dec 31, 2021 | 188,000.00 |
API Access
Embassy Bancorp Bank-Owned Life Insurance Income (CF) 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-income-cf&ticker=EMYB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "bank-owned-life-insurance-income-cf", "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-income-cf&ticker=EMYB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();