Embassy Bank for the Lehigh Valley: how it compares with its peers
Against 31 PA banks with half to twice its assets, Embassy Bank for the Lehigh Valley's strongest measure in Q2 2026 is assets per employee ($15.2M vs. a $7.9M peer median). Its weakest relative measure is net interest margin (2.71% vs. 3.63%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.89% | 1.16% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.71% | 3.63% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.02% | 60.29% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.2M | $7.9M | Top third Ahead of 97% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.01% | 87.16% | Context |
What it means for lending operations
Its efficiency ratio of 59.02% is better than the 60.29% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Bird-in-Hand Bird In Hand, PA · $1.91B
- Journey Bank Bloomsburg, PA · $1.67B
- Community Bank Carmichaels, PA · $1.66B
- Kish Bank Belleville, PA · $2.08B
- First Keystone Community Bank Berwick, PA · $1.57B
- 1st Summit Bank Johnstown, PA · $1.52B
Questions about Embassy Bank for the Lehigh Valley
How big is Embassy Bank for the Lehigh Valley?
Embassy Bank for the Lehigh Valley, established in 2001, is headquartered in Bethlehem, PA. It reported $1.86B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Embassy Bank for the Lehigh Valley's return on assets?
0.89% annualized in Q2 2026, against a 1.16% median for 31 PA banks with half to twice its assets, ahead of 29% of them.
What is Embassy Bank for the Lehigh Valley's efficiency ratio?
59.02% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 60.29%, and lower is better.
Is Embassy Bank for the Lehigh Valley growing its loans?
Net loans grew 3.0% over the year to Q2 2026, while deposits grew 5.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.