Embassy Bancorp (EMYB) Net Interest Income After Provisions (2009 - 2026)
Embassy Bancorp (EMYB) reported Net Interest Income After Provisions of $11.72 million for Q2 2026, up 10.6% from $10.6 million a year earlier and up 2.6% from the prior quarter.
Powered by 
Analysis
Embassy Bancorp (EMYB) Net Interest Income After Provisions (2009 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Embassy Bancorp's Net Interest Income After Provisions came in at $45.08 million, up 15.5% year-over-year; for FY2025, it was $42.32 million, up 15.6% from FY2024.
- Net Interest Income After Provisions has a five-year compound annual growth rate of 3.6% (FY2020 to FY2025).
- By year, Net Interest Income After Provisions came in at $36.62 million in FY2024 (-6.6%), $39.22 million in FY2023 (-13.6%), $45.39 million in FY2022 (+6.6%) and $42.58 million in FY2021 (+20.3%).
- The Q2 2026 figure ranks as the highest quarterly Net Interest Income After Provisions since Q4 2022.
- Year over year, Net Interest Income After Provisions has now increased in each of the last seven quarters, with growth averaging 11.5% over the last eight quarters.
- The high point for year-over-year Net Interest Income After Provisions in five years was Q3 2021 (growth of 23.4%); the low point was Q4 2023 (a decline of 26.5%).
- Per Business Quant data, the three quarters before Q2 2026 came in at $11.42 million (Q1 2026), $11.11 million (Q4 2025) and $10.82 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | NII After Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 24.29 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 | - | 12.76 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 12.76 Mn |
| Jun 30, 2026 | 11.72 Mn |
| Mar 31, 2026 | 11.42 Mn |
| Dec 31, 2025 | 11.11 Mn |
| Sep 30, 2025 | 10.82 Mn |
| Jun 30, 2025 | 10.60 Mn |
| Mar 31, 2025 | 9.78 Mn |
| Dec 31, 2024 | 9.46 Mn |
| Sep 30, 2024 | 9.20 Mn |
| Jun 30, 2024 | 9.17 Mn |
| Mar 31, 2024 | 8.79 Mn |
| Dec 31, 2023 | 8.77 Mn |
| Sep 30, 2023 | 9.70 Mn |
| Jun 30, 2023 | 9.90 Mn |
| Mar 31, 2023 | 10.85 Mn |
| Dec 31, 2022 | 11.92 Mn |
| Sep 30, 2022 | 11.82 Mn |
| Jun 30, 2022 | 10.96 Mn |
| Mar 31, 2022 | 10.69 Mn |
| Dec 31, 2021 | 10.80 Mn |
API Access
Embassy Bancorp Net Interest Income After Provisions 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=net-interest-income-after-provisions&ticker=EMYB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-interest-income-after-provisions", "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=net-interest-income-after-provisions&ticker=EMYB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();