Embassy Bancorp, Inc. (EMYB) Loans - Loss Allowance (2011 - 2026)
Embassy Bancorp (EMYB) reported Loans - Loss Allowance of $12.46 million for Q2 2026, up 4.6% from $11.91 million a year earlier and up 3.0% from the prior quarter.
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Analysis
Embassy Bancorp, Inc. (EMYB) Loans - Loss Allowance (2011 - 2026) Analysis & Trends
At the end of FY2025, Embassy Bancorp posted Loans - Loss Allowance of $12.04 million, down 1.0% from FY2024.
- Loans - Loss Allowance has a five-year compound annual growth rate of 2.6% (FY2020 to FY2025).
- By year, Loans - Loss Allowance came in at $12.17 million in FY2024 (-2.4%), $12.46 million in FY2023 (+0.1%), $12.45 million in FY2022 (+8.4%) and $11.48 million in FY2021 (+8.6%).
- The Q2 2026 figure ranks as the highest quarterly Loans - Loss Allowance since Q1 2024.
- Year over year, Loans - Loss Allowance gained in 1 of the last eight quarters, with an average decline of 1.2%.
- The high point for year-over-year Loans - Loss Allowance in five years was Q3 2021 (growth of 16.4%); the low point was Q2 2024 (a decline of 3.9%).
- Per Business Quant data, the three quarters before Q2 2026 came in at $12.1 million (Q1 2026), $12.04 million (Q4 2025) and $11.94 million (Q3 2025).
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Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 12.46 Mn |
| Mar 31, 2026 | 12.10 Mn |
| Dec 31, 2025 | 12.04 Mn |
| Sep 30, 2025 | 11.94 Mn |
| Jun 30, 2025 | 11.91 Mn |
| Mar 31, 2025 | 12.22 Mn |
| Dec 31, 2024 | 12.17 Mn |
| Sep 30, 2024 | 12.21 Mn |
| Jun 30, 2024 | 12.25 Mn |
| Mar 31, 2024 | 12.54 Mn |
| Dec 31, 2023 | 12.46 Mn |
| Sep 30, 2023 | 12.45 Mn |
| Jun 30, 2023 | 12.75 Mn |
| Mar 31, 2023 | 12.64 Mn |
| Dec 31, 2022 | 12.45 Mn |
| Sep 30, 2022 | 12.18 Mn |
| Jun 30, 2022 | 11.84 Mn |
| Mar 31, 2022 | 11.49 Mn |
| Dec 31, 2021 | 11.48 Mn |
| Sep 30, 2021 | 11.31 Mn |
API Access
Embassy Bancorp, Inc. Loans - Loss Allowance 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=loans-loss-allowance&ticker=EMYB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "loans-loss-allowance", "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=loans-loss-allowance&ticker=EMYB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();