Embassy Bancorp (EMYB) Provision for Credit Losses (2009 - 2026)
Embassy Bancorp (EMYB) reported Provision for Credit Losses of $375,000 for Q2 2026, compared with -$165,000 a year earlier and up 495.2% from the prior quarter.
Powered by 
Analysis
Embassy Bancorp (EMYB) Provision for Credit Losses (2009 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Embassy Bancorp's Provision for Credit Losses came in at $572,000; for FY2025, it was $25,000.
- Provision for Credit Losses has a five-year compound annual growth rate of -60.3% (FY2020 to FY2025).
- By year, Provision for Credit Losses came in at -$525,000 in FY2024, -$178,000 in FY2023, $895,000 in FY2022 (-2.2%) and $915,000 in FY2021 (-63.7%).
- The Q2 2026 figure ranks as the highest quarterly Provision for Credit Losses since Q1 2021.
- The high point for year-over-year Provision for Credit Losses in five years was Q2 2022 (growth of 180.0%); the low point was Q4 2023 (a decline of 95.6%).
- Per Business Quant data, the three quarters before Q2 2026 came in at $63,000 (Q1 2026), $98,000 (Q4 2025) and $36,000 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 2.74 Bn |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | 838.45 Bn |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 1.24 Bn |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | 103.00 Mn |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 717.20 Mn |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 368.00 Mn |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | - |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 1.03 Bn |
| 10 | Embassy Bancorp | 153.64 Mn | -858.34 Mn | - | -121,000.00 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | -121,000.00 |
| Jun 30, 2026 | 375,000.00 |
| Mar 31, 2026 | 63,000.00 |
| Dec 31, 2025 | 98,000.00 |
| Sep 30, 2025 | 36,000.00 |
| Jun 30, 2025 | -165,000.00 |
| Mar 31, 2025 | 56,000.00 |
| Dec 31, 2024 | -41,000.00 |
| Sep 30, 2024 | -40,000.00 |
| Jun 30, 2024 | -286,000.00 |
| Mar 31, 2024 | -158,000.00 |
| Dec 31, 2023 | 12,000.00 |
| Sep 30, 2023 | -300,000.00 |
| Jun 30, 2023 | 110,000.00 |
| Dec 31, 2022 | 270,000.00 |
| Sep 30, 2022 | 275,000.00 |
| Jun 30, 2022 | 350,000.00 |
| Mar 31, 2022 | -12,000.00 |
| Dec 31, 2021 | 175,000.00 |
| Sep 30, 2021 | 150,000.00 |
API Access
Embassy Bancorp Provision for Credit Losses 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=provision-for-credit-losses&ticker=EMYB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-credit-losses", "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=provision-for-credit-losses&ticker=EMYB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();