Embassy Bancorp, Inc. (EMYB) Return on Assets [ROA] (2012 - 2026)
Embassy Bancorp (EMYB) reported Return on Assets [ROA] of 0.82% for Q2 2026, up 0.16 percentage points from 0.67% a year earlier and up 0.02 percentage points from the prior quarter.
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Analysis
Embassy Bancorp, Inc. (EMYB) Return on Assets [ROA] (2012 - 2026) Analysis & Trends
For FY2025, Embassy Bancorp posted Return on Assets [ROA] of 0.78%, up 0.16 percentage points from FY2024.
- Return on Assets [ROA] has a five-year change of -0.20 percentage points (FY2020 to FY2025).
- By year, Return on Assets [ROA] came in at 0.62% in FY2024 (-0.15 pp), 0.77% in FY2023 (-0.31 pp), 1.08% in FY2022 (-0.01 pp) and 1.09% in FY2021 (+0.11 pp).
- The Q2 2026 figure ranks as the highest quarterly Return on Assets [ROA] since Q3 2023.
- Year over year, Return on Assets [ROA] has now increased in each of the last five quarters, with an average year-over-year change of +0.02 percentage points over the last eight quarters.
- The high point for year-over-year Return on Assets [ROA] in five years was Q1 2026 (a gain of 0.17 percentage points); the low point was Q1 2024 (a drop of 0.36 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 0.80% (Q1 2026), 0.77% (Q4 2025) and 0.72% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.82% |
| Mar 31, 2026 | 0.80% |
| Dec 31, 2025 | 0.77% |
| Sep 30, 2025 | 0.72% |
| Jun 30, 2025 | 0.67% |
| Mar 31, 2025 | 0.62% |
| Dec 31, 2024 | 0.61% |
| Sep 30, 2024 | 0.62% |
| Jun 30, 2024 | 0.64% |
| Mar 31, 2024 | 0.69% |
| Dec 31, 2023 | 0.76% |
| Sep 30, 2023 | 0.88% |
| Jun 30, 2023 | 0.99% |
| Mar 31, 2023 | 1.05% |
| Dec 31, 2022 | 1.09% |
| Sep 30, 2022 | 1.04% |
| Jun 30, 2022 | 1.01% |
| Mar 31, 2022 | 1.04% |
| Dec 31, 2021 | 1.05% |
| Sep 30, 2021 | 1.05% |
API Access
Embassy Bancorp, Inc. Return on Assets [ROA] 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=return-on-assets-%5Broa%5D&ticker=EMYB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-assets-[roa]", "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=return-on-assets-%5Broa%5D&ticker=EMYB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();