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Overview / Commentary
610-882-8800
100 Gateway Drive
Bethlehem, PA 18017

Embassy Bank for the Lehigh Valley is headquartered in Bethlehem and is the 52nd largest bank in the state of Pennsylvania. It is also the 967th largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 68 employees at 7 locations. Embassy Bank for the Lehigh Valley has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Embassy Bank for the Lehigh Valley had $3.23 million in non-current loans and owned real-estate with $64.57 million in equity and loan loss allowances on hand to cover it. This gives Embassy Bank for the Lehigh Valley a Texas Ratio of 5.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Embassy Bank for the Lehigh Valley decreased dramatically from 8.88% as of March 31, 2013 to 5.00% as of March 31, 2014, resulting in a positive change of 43.76%.This indicates that the balance sheet and financial strength for Embassy Bank for the Lehigh Valley has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Embassy Bank for the Lehigh Valley has increased its total deposits by $67.1 million, resulting in 12.37% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Embassy Bank for the Lehigh Valley has shown is excellent.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Embassy Bank for the Lehigh Valley has $702.81 million in assets with $64.57 million in equity, resulting in a capitalization level of 9.19%, which is average.

Institution Statistics

Overall
FDIC Certificate #57228
Year Established2001
Employees68
Primary RegulatorFDIC
Assets and Liabilities
Assets$702.81 million
Loans$572.68 million
Deposits$609.56 million
Equity Capital$59.19 million
Loan Loss Allowance$5.37 million
Unbacked Noncurrent Loans$2.63 million
Real Estate Owned$592,000
Historic Data - March 2013
Assets$636.35 million
Equity Capital$55.31 million
Loan Loss Allowance$5.01 million
Unbacked Noncurrent Loans$2.63 million
Real Estate Owned$2.71 million
Profit Margin - Quarterly
Net Interest Margin3.44%
Return on Assets0.9%
Return on Equity10.63%
Interest Income$6.29 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Embassy Bank for the Lehigh Valley, we are a rate comparison website and can not provide official rates or promotions.

Embassy Bank for the Lehigh Valley Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%--Personal Ingot Gold Savings Account
0.10%--Business Ingot Savings
0.08%--IRA Savings
0.08%--Youth Savers Account
0.08%--Personal Savings
0.08%--Roth IRA Savings
0.05%--Business Savings

Embassy Bank for the Lehigh Valley Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$250k-Business Money Market
0.09%$25k-IRA Diplomat Gold Money Market
0.09%$25k-Diplomat Gold Money Market
0.09%$25k-Roth IRA Diplomat Gold Money Market

Embassy Bank for the Lehigh Valley Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.04%$25k-Free Money Manager Checking
0.02%$10k-Enterprise Interest Checking
0.02%$5k-Business Non-Profit Interest Checking

Embassy Bank for the Lehigh Valley CD Rates

DetailsAPYMINMAXPRODUCT
1.50%$500-60 Month CD
1.50%$500-Business 60 Month CD
0.65%$500-48 Month CD
0.65%$500-Business 48 Month CD
0.50%$500-36 Month CD
0.50%$500-Business 36 Month CD
0.25%$500-24 Month CD
0.25%$500-Business 24 Month CD
0.20%$500-18 Month CD
0.20%$500-Business 18 Month CD
0.15%$500-12 Month CD
0.15%$500-Business 12 Month CD
0.10%$500-6-8 Month CD
0.10%$500-9-11 Month CD
0.10%$500-Business 6-8 Month CD
0.10%$500-Business 9-11 Month CD
0.05%$500-7-29 Day CD
0.05%$500-30-90 Day CD
0.05%$500-Business 7-29 Day CD
0.05%$500-Business 30-90 Day CD

Embassy Bank for the Lehigh Valley IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$500-60 Month IRA
0.65%$500-48 Month IRA
0.50%$500-36 Month IRA
0.25%$500-24 Month IRA
0.20%$500-18 Month IRA
0.15%$500-12 Month IRA
0.10%$500-6-8 Month IRA
0.10%$500-9-11 Month IRA
Locations


Embassy Bank for the Lehigh Valley Locations
Embassy Bank For The Lehigh Valley100 Gateway DriveBethlehem, PA 18017
Cedar Crest Blvd. Branch1142 S. Cedar Crest Blvd.Allentown, PA 18103
Saucon Valley3495 Route 378Bethlehem, PA 18015
Lower Nazareth Township3751 Easton-Nazareth HighwayEaston, PA 18045
Tilghman Branch4148 W Tilghman StreetAllentown, PA 18104
Trexlertown Marketplace Branch6379 Hamilton BoulevardAllentown, PA 18106
West Broad Street Branch925 W. Broad StreetBethlehem, PA 18018