Embassy Bancorp (EMYB) Interest Expense - Deposits (2009 - 2026)
Embassy Bancorp (EMYB) recorded Interest Expense - Deposits of $7.12 million in Q2 2026, down 2.0% from $7.27 million a year earlier but up 1.2% from the prior quarter.
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Analysis
Embassy Bancorp (EMYB) Interest Expense - Deposits (2009 - 2026) Analysis & Trends
On a TTM basis, Embassy Bancorp's Interest Expense - Deposits came in at $28.72 million as of Jun 30, 2026, down 1.7% year-over-year; for FY2025, it came in at $28.89 million, up 2.3% from FY2024.
- Annual Interest Expense - Deposits has increased for four straight years, with a five-year compound annual growth rate of 36.4% (FY2020 to FY2025).
- Across earlier years, Interest Expense - Deposits came in at $28.23 million in FY2024 (+60.3%), $17.61 million in FY2023 (+333.8%), $4.06 million in FY2022 (+4.7%) and $3.88 million in FY2021 (-36.7%).
- Quarterly Interest Expense - Deposits has ranged from $875,000 in Q1 2022 to $7.59 million in Q3 2024 over the past five years.
- On a year-over-year basis, Interest Expense - Deposits has declined for four consecutive quarters, with growth averaging 11.0% over the last eight quarters.
- Peak year-over-year performance for Interest Expense - Deposits in the last five years was growth of 447.6% in Q3 2023, against a decline of 32.7% in Q3 2021 at the low end.
- Per Business Quant, the preceding three quarters came in at $7.04 million (Q1 2026), $7.19 million (Q4 2025) and $7.37 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Deposits (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 11.40 Bn |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 7.61 Bn |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | 3.09 Bn |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 7.85 Bn |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 5.09 Bn |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | - |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 5.85 Bn |
| 10 | Embassy Bancorp | 153.64 Mn | -858.34 Mn | - | 6.92 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 6.92 Mn |
| Jun 30, 2026 | 7.12 Mn |
| Mar 31, 2026 | 7.04 Mn |
| Dec 31, 2025 | 7.19 Mn |
| Sep 30, 2025 | 7.37 Mn |
| Jun 30, 2025 | 7.27 Mn |
| Mar 31, 2025 | 7.06 Mn |
| Dec 31, 2024 | 7.30 Mn |
| Sep 30, 2024 | 7.59 Mn |
| Jun 30, 2024 | 7.07 Mn |
| Mar 31, 2024 | 6.27 Mn |
| Dec 31, 2023 | 5.79 Mn |
| Sep 30, 2023 | 4.96 Mn |
| Jun 30, 2023 | 4.05 Mn |
| Mar 31, 2023 | 2.81 Mn |
| Dec 31, 2022 | 1.39 Mn |
| Sep 30, 2022 | 905,000.00 |
| Jun 30, 2022 | 886,000.00 |
| Mar 31, 2022 | 875,000.00 |
| Dec 31, 2021 | 884,000.00 |
API Access
Embassy Bancorp Interest Expense - Deposits 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=interest-expense-deposits&ticker=EMYB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-expense-deposits", "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=interest-expense-deposits&ticker=EMYB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();