Embassy Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Embassy Bancorp has total assets of $1.7B and total equity of $114.5M. Total deposits are $1.5B, and total loans are $1.2B. It earns a Net Interest Margin of 2.5%. It has sufficient allowance for bad loans, which are currently at 0.1% of total loans. Cash and short-term investments are $91.9M.
Key information
15x
Asset to equity ratio
2.5%
Net interest margin
| Total deposits | US$1.54b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$91.91m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: EMYB's Assets to Equity ratio (15x) is moderate.
Allowance for Bad Loans: EMYB has a sufficient allowance for bad loans (1010%).
Low Risk Liabilities: 96% of EMYB's liabilities are made up of primarily low risk sources of funding.
Loan Level: EMYB has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: EMYB's Loans to Deposits ratio (81%) is appropriate.
Level of Bad Loans: EMYB has an appropriate level of bad loans (0.1%).