Embassy Bank for the Lehigh Valley (FDIC certificate #57228) is based in Bethlehem, Pennsylvania. Its Q2 2026 call report shows $1.9B in total assets and $1.7B in deposits and 10 offices.
Based on its Q2 2026 filing, Embassy Bank for the Lehigh Valley scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 61st. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is capital cushion (38/100; 8.83%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 64 |
| Q4 2024 | 65 |
| Q1 2025 | 66 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 67 |
| Q1 2026 | 67 |
| Q2 2026 | 66 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.77% |
| Q3 2024 | 8.84% |
| Q4 2024 | 9.04% |
| Q1 2025 | 9.07% |
| Q2 2025 | 8.89% |
| Q3 2025 | 9.06% |
| Q4 2025 | 9.06% |
| Q1 2026 | 9.02% |
| Q2 2026 | 8.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.81% |
| Q1 2026 | 0.85% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $1.9B | 8.83% | 0.05% | 0.89% | 77.0% |
| Q1 2026 | 67 | $1.8B | 9.02% | 0.04% | 0.85% | 76.3% |
| Q4 2025 | 67 | $1.8B | 9.06% | 0.04% | 0.81% | 78.0% |
| Q3 2025 | 66 | $1.8B | 9.06% | 0.04% | 0.80% | 78.2% |
| Q2 2025 | 65 | $1.8B | 8.89% | 0.04% | 0.76% | 78.7% |
| Q1 2025 | 66 | $1.8B | 9.07% | 0.04% | 0.70% | 78.2% |
| Q4 2024 | 65 | $1.7B | 9.04% | 0.04% | 0.65% | 80.9% |
| Q3 2024 | 64 | $1.7B | 8.84% | 0.10% | 0.64% | 81.2% |
| Q2 2024 | 64 | $1.7B | 8.77% | 0.06% | 0.63% | 79.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Bird-in-HandBank Bird In Hand, PA | 68 out of 100, Moderate | $1.9B | 9.8% | 0.19% | vs |
| Journey BankBank Bloomsburg, PA | 71 out of 100, Strong | $1.7B | 10.2% | 0.74% | vs |
| Community BankBank Carmichaels, PA | 66 out of 100, Moderate | $1.7B | 9.9% | 0.29% | vs |
| Kish BankBank Belleville, PA | 58 out of 100, Moderate | $2.1B | 8.9% | 0.57% | vs |
| First Keystone Community BankBank Berwick, PA | 50 out of 100, Below average | $1.6B | 9.7% | 2.11% | vs |
| 1st Summit BankBank Johnstown, PA | 60 out of 100, Moderate | $1.5B | 8.6% | 0.44% | vs |
Deposit insurance
Is my money safe at Embassy Bank for the Lehigh Valley?
Yes. Embassy Bank for the Lehigh Valley is an FDIC-insured institution (FDIC certificate #57228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.5% of deposits ($585.8M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.16% (benchmark: 10%).
10 locations
Branches
Embassy Bank for the Lehigh Valley lists 10 offices in 5 cities. Most locations:
- Allentown, PA (4)
- Bethlehem, PA (3)
- Easton, PA (1)
- Macungie, PA (1)
- Nazareth, PA (1)
HMDA 2025
Mortgage lending
In 2025, Embassy Bank for the Lehigh Valley reported 1,045 home-loan applications under HMDA (LEI 549300PBL633P0UGLP11): 816 originated ($168,570,000 total), 164 denied, and 46 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Embassy Bank for the Lehigh Valley
- Type
- State-chartered bank
- FDIC certificate #
- 57228
- RSSD ID
- 3068579
- Primary regulator
- FDIC
- Holding company
- Embassy Bcorp Inc
- Established
- November 6, 2001
- Headquarters
- 100 Gateway Dr, Bethlehem, PA 18017
- Website
- www.embassybank.com
- Employees
- 122
Quick answers
Embassy Bank for the Lehigh Valley: common questions
Is Embassy Bank for the Lehigh Valley FDIC insured?
Yes. Embassy Bank for the Lehigh Valley is an FDIC-insured institution (FDIC certificate #57228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Embassy Bank for the Lehigh Valley's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Embassy Bank for the Lehigh Valley ever failed?
There is no failure record for FDIC certificate #57228 in the FDIC failed bank list.
How many branches does Embassy Bank for the Lehigh Valley have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bethlehem
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| B. Braun Federal Credit UnionCredit union Allentown, PA | 100 out of 100, Very strong | $1.9M | 25.1% | 0.00% | vs |
| Lehigh County Employees Federal Credit UnionCredit union Allentown, PA | 96 out of 100, Very strong | $33.1M | 15.7% | 0.00% | vs |
| Northampton Area School Dist. Emps Federal Credit UnionCredit union Northampton, PA | 95 out of 100, Very strong | $11.7M | 20.9% | 0.09% | vs |
| Aac Credit UnionCredit union Grand Rapids, MI | 90 out of 100, Very strong | $212.4M | 24.2% | 0.36% | vs |
| The Neffs National BankBank Neffs, PA | 87 out of 100, Very strong | $470.8M | 16.8% | 0.04% | vs |
| Allentown Federal Credit UnionCredit union Allentown, PA | 86 out of 100, Very strong | $127.7M | 16.5% | 0.76% | vs |