Side-by-side · Q2 2026 data
Embassy Bank for the Lehigh Valley vs Bank of Bird-in-Hand
Metric by metric
| Measure | Embassy Bank for the Lehigh Valley | Bank of Bird-in-Hand |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 38 | 48 (stronger) |
| Loan quality | 98 (stronger) | 94 |
| Earnings | 56 | 67 (stronger) |
| Funding & liquidity | 62 (stronger) | 47 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 40th | 49th |
| Total assets | $1.9B | $1.9B |
| Deposits / shares | $1.7B | $1.7B |
| Capital ratio | 8.83% | 9.82% (stronger) |
| Problem loans | 0.05% (stronger) | 0.19% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.89% | 1.17% (stronger) |
| Loans ÷ deposits | 77.0% (stronger) | 102.8% |
| Uninsured deposits | 34.5% | 24.6% (stronger) |
| Offices | 10 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 1.7% |
Bank of Bird-in-Hand has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Embassy Bank for the Lehigh Valley leads on 2 and Bank of Bird-in-Hand on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.