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STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWashington, D.C. 20549\n\nFORM 10-Q\n\nx QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED MARCH 31, 2026 OR\n\n¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM _____________________ TO __________________\n\nCommission file number 000-53528\n\nEmbassy Bancorp, Inc.\n\n(Exact name of registrant as specified in its charter)\n\n \n\n \n\nPennsylvania\n\n26-3339011\n\n(State of incorporation)\n\n(I.R.S. Employer Identification No.)\n\n \n\n \n\nOne Hundred Gateway Drive, Suite 100\n\nBethlehem, PA\n\n \n\n18017\n\n(Address of principal executive offices)\n\n(Zip Code)\n\n \n\n \n\n(610) 882-8800\n\n(Registrant’s Telephone Number)\n\nSecurities registered pursuant to Section 12(b) of the Act: None.\n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to filing requirements for the past 90 days. Yes  x No ¨\n\n \n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).  Yes x  No ¨\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\nLarge Accelerated Filer ¨\n\nAccelerated Filer ¨ \n\nNon-Accelerated Filer \n\nSmaller Reporting Company\n\nEmerging Growth Company ¨ \n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 or the Exchange Act.)  Yes ¨ No x\n\nIndicate the number of shares outstanding of each of the registrant’s classes of common equity, as of the latest practicable date:\n\n \n\nCOMMON STOCK\n\n \n\n \n\nNumber of shares outstanding as of May 8, 2026\n\n($1.00 Par Value)\n\n7,414,465\n\n \n\n(Title Class)\n\n(Outstanding Shares)\n\nEmbassy Bancorp, Inc.\n\n \n\nTable of Contents\n\n \n\n[Part I – Financial Information](#Financial_Statements)\n\n3\n\n \n\n \n\n[Item 1 – Financial Statements](#Financial_Statements)\n\n[Consolidated Balance Sheets (Unaudited)](#Balance_Sheets)\n\n3\n\n[Consolidated Statements of Income (Unaudited)](#Income_Statement)\n\n4\n\n[Consolidated Statements of Comprehensive (Loss) Income (Unaudited)](#Comprehensive_Income)\n\n5\n\n[Consolidated Statements of Stockholders’ Equity (Unaudited)](#Stockholders_Equity)\n\n6\n\n[Consolidated Statements of Cash Flows (Unaudited)](#Cash_Flows)\n\n7\n\n[Notes to Consolidated Financial Statements (Unaudited)](#NotesCORRECT)\n\n8\n\n \n\n \n\n[Item 2 – Management’s Discussion and Analysis of Financial Condition and Results of Operations](#MD_A)\n\n24\n\n \n\n \n\n[Item 3 – Quantitative and Qualitative Disclosures About Market Risk](#Quantitative)\n\n34\n\n \n\n \n\n[Item 4 – Controls and Procedures](#Controls)\n\n35\n\n \n\n \n\n[Part II - Other Information](#pt2)\n\n35\n\n \n\n \n\n[Item 1 - Legal Proceedings](#item1)\n\n35\n\n \n\n \n\n[Item 1A - Risk Factors](#item1a)\n\n35\n\n \n\n \n\n[Item 2 - Unregistered Sales of Equity Securities and Use of Proceeds](#item2)\n\n36\n\n \n\n \n\n[Item 3 - Defaults Upon Senior Securities](#item3)\n\n36\n\n \n\n \n\n[Item 4 – Mine Safety Disclosures](#item4)\n\n36\n\n \n\n \n\n[Item 5 - Other Information](#item5)\n\n36\n\n \n\n \n\n[Item 6 - Exhibits](#item6)\n\n37\n\n \n\n[Signatures](#Signature)\n\n38\n\n \n\n‎\n\n2\n\nEmbassy Bancorp, Inc.\n\nPart I – Financial Information"}