Embassy Bancorp is the holding company for Embassy Bank for the Lehigh Valley, a community bank serving Lehigh and Northampton Counties in Pennsylvania. Embassy Bank pitches itself as the largest locally owned and operated community bank in the Lehigh Valley, offering personalized, relationship-driven banking as an alternative to regional and national banks. Its customers are primarily local consumers, small businesses with revenues under $30M, and professionals such as doctors, lawyers, and accountants. The bank serves these customers through 10 branch offices, supplemented by digital banking, and generates referrals through relationships with accountants, attorneys, financial planners, and real estate professionals. Embassy Bank's core business is traditional community banking: it funds loans with deposits, earning a spread (net interest margin) between the two. The loan portfolio is concentrated in commercial real estate, residential real estate, home equity, and commercial loans to small businesses. Notably, Embassy Bank retains all its mortgages on-balance-sheet rather than selling them into the secondary market, bearing the full credit risk. Fee income is a secondary revenue source from wire transfers, cash management, and card processing, though Embassy Bank does not offer trust or brokerage services. The bank runs a lean operation with 114 full-time equivalent employees across its 10 branches, outsourcing certain functions to control costs.