Embassy Bank for the Lehigh Valley

Headquarters

100 Gateway Drive
Bethlehem, PA 18017
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.30% 0.91% →
1-Year CD 0.40% 1.01% →
2-Year CD 0.70% 0.95% →
5-Year CD 0.70% 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Embassy Bank for the Lehigh Valley is an FDIC insured institution located in Bethlehem, PA. It was founded in 2001 and has approximately $1.19 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 57228
Date Established 2001
Assets $ 1,194.94 million
Loans $ 1,024.69 million
Deposits $ 1,048.44 million
Capital $ 102.72 million
 

For a more detailed analysis of Embassy Bank for the Lehigh Valley's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 3, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.30% $2,500 $4,999 Learn More
Money Market
0.02% $2,500 $2,999 Learn More
Money Market
0.02% $10,000 $14,999 Learn More
Money Market
0.02% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
60 Mo CD
0.70% $10,000 $14,999 Learn More
60 Mo CD
0.70% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
Var IRA
0.05% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 $99 Learn MoreShow Less
Int Ckg
0.02% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - December 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Embassy Bank for the Lehigh Valley

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.556% 2.500% 0.75 $1,852 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Embassy Bank for the Lehigh Valley
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Embassy Bank for the Lehigh Valley branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Embassy Bank for the Lehigh Valley Locations


Financial Details

Embassy Bank for the Lehigh Valley Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Embassy Bank for the Lehigh Valley. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Embassy Bank for the Lehigh Valley U.S. Bank Average
0.02% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Embassy Bank for the Lehigh Valley had $17,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $102,722,000 in equity and $8,366,000 in loans loss reserves. That gives it a Texas Ratio of 0.02%.

Return on Equity
Embassy Bank for the Lehigh Valley U.S. Bank Average
10.06% 7.80%

Embassy Bank for the Lehigh Valley has a Return on Equity of 10.06% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Embassy Bank for the Lehigh Valley U.S. Bank Average
8.6% 12.68%

Embassy Bank for the Lehigh Valley has a Capitalization of 8.6% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Embassy Bank for the Lehigh Valley Balance Sheet Analysis

As of March 31, 2020, Embassy Bank for the Lehigh Valley had assets of $1,194,939,000, loans of $1,024,692,000, and deposits of $1,048,442,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 42.34 million
Interest-bearing balances $ 28.02 million
Total securities $ 87.86 million
Federal funds sold and reverse repurchase $ 1.00 million
Net loans and leases $ 1,024.69 million
Loan loss allowance $ 8.37 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 27.92 million
     Total Assets $ 1,092.22 million
LIABILITIES
Total deposits $ 1,048.44 million
      Interest-bearing deposits $ 859.70 million
      Deposits held in domestic offices $ 1,048.44 million
      % insured (estimated) 70.52%
Federal funds purchased and repurchase agreements $ 10.39 million
Trading liabilities N.A.
Other borrowed funds $ 14.65 million
Subordinated debt N.A.
All other liabilities $ 18.74 million
      Total Liabilities $ 1,092.22 million
      Shareholders’ Equity $ 102.72 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 10.86 million
Total Interest Expense $ 2.06 million
Net interest income $ 8.79 million
Provision for loan and lease losses $ 0.32 million
Total non interest income $ 0.30 million
Total non interest expense $ 5.62 million
Pre-tax Net Operating Income $ 3.15 million

Bank Loan Profile?

The top three loan types in Embassy Bank for the Lehigh Valley’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Embassy Bank for the Lehigh Valley’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 61.77
Multifamily
Mortgages
6.56
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 6.59
Construction and Development Loans 1.22
Commercial Real Estate 25.36
Commercial and Industrial Loans 5.51
Farm Loans 0.00

Frequently Asked Questions About Embassy Bank For The Lehigh Valley

Branches and Savings

Is Embassy Bank For The Lehigh Valley FDIC insured?

Yes. It is covered under FDIC Certificate #57228.

Why does Embassy Bank For The Lehigh Valley pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Embassy Bank For The Lehigh Valley CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Embassy Bank For The Lehigh Valley a commercial bank?

Yes

Where are Embassy Bank For The Lehigh Valley locations?

See branch locations nearby.

Is Embassy Bank For The Lehigh Valley open on Saturdays?

Is Embassy Bank For The Lehigh Valley open on Sundays?

What time does Embassy Bank For The Lehigh Valley open?

What time does Embassy Bank For The Lehigh Valley close?

Are Embassy Bank For The Lehigh Valley ATMs Open 24/7?

Do Embassy Bank For The Lehigh Valley ATMs accept cash deposits?

Can Embassy Bank For The Lehigh Valley customers use other ATMs?

Do Embassy Bank For The Lehigh Valley branches have notaries?

Will Embassy Bank For The Lehigh Valley notarize my document?

What address for Embassy Bank For The Lehigh Valley should I put for incoming ACH transfers?

Will the Embassy Bank For The Lehigh Valley branch print checks?

Do Embassy Bank For The Lehigh Valley checks expire?

Does Embassy Bank For The Lehigh Valley require US citizenship to open account?

Can Embassy Bank For The Lehigh Valley close my account?

Does Embassy Bank For The Lehigh Valley Report to credit bureaus?

Does Embassy Bank For The Lehigh Valley Use Equifax?

What is Embassy Bank For The Lehigh Valley's ACH Routing Number?

What is Embassy Bank For The Lehigh Valley's SWIFT code?

Products

Does Embassy Bank For The Lehigh Valley offer mortgages?

Compare mortgage rates here.

Does Embassy Bank For The Lehigh Valley offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Embassy Bank For The Lehigh Valley offer personal loans?

Compare personal loan rates here.

Does Embassy Bank For The Lehigh Valley offer student loans?

Will Embassy Bank For The Lehigh Valley cash a check?

Will Embassy Bank For The Lehigh Valley redeem a savings bond?

Does Embassy Bank For The Lehigh Valley cash savings bonds?

Will Embassy Bank For The Lehigh Valley cash money orders?

Can Embassy Bank For The Lehigh Valley issue a money order?

Does Embassy Bank For The Lehigh Valley do currency exchange?

Background on The Bank

Who owns Embassy Bank For The Lehigh Valley?

How long has Embassy Bank For The Lehigh Valley been around?

Can Embassy Bank For The Lehigh Valley transfer to other banks?

Does Embassy Bank For The Lehigh Valley have quick pay?

Does Embassy Bank For The Lehigh Valley accept rolled coins?

Will Embassy Bank For The Lehigh Valley accept loose change?

Where is Embassy Bank For The Lehigh Valley headquarters?

Customer Reviews for Embassy Bank for the Lehigh Valley


  • July 14, 2018 |

    CDs 59 Month Rates

    Excellent customer service

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