Embassy Bancorp, Inc. announced robust financial results for the second quarter ended June 30, 2025, with net income surging by 37.9% to $3.44 million, up from $2.49 million in Q2 2024. Basic and diluted earnings per share for the quarter increased to $0.45, compared to $0.33 in the prior year period.
For the first six months of 2025, net income rose by 25.7% to $6.32 million, up from $5.03 million in the same period of 2024, with EPS reaching $0.83 versus $0.66. Net interest income for Q2 2025 increased to $10.4 million from $8.9 million, driving a 27 basis point expansion in the net interest margin to 2.50% from 2.23% in Q2 2024.
The company's balance sheet continued to strengthen, with total assets growing by $54.9 million to $1.76 billion at June 30, 2025, and total deposits increasing by $57.2 million to $1.61 billion. The efficiency ratio improved significantly to 65.2% in Q2 2025 from 71.7% in Q2 2024, indicating effective cost management. Additionally, the non-performing loan ratio remained low at 0.04%, and the securities portfolio saw a $4.82 million decrease in net unrealized losses.
The content on BeyondSPX is for informational purposes only and should not be construed as financial or investment advice. We are not financial advisors. Consult with a qualified professional before making any investment decisions. Any actions you take based on information from this site are solely at your own risk.