Embassy Bank for the Lehigh Valley
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.
Data for Q1 2014
Institution Health
Texas Ratio
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
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
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
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 Established | 2001 |
| Employees | 68 |
| Primary Regulator | FDIC |
| 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 Margin | 3.44% |
| Return on Assets | 0.9% |
| Return on Equity | 10.63% |
| Interest Income | $6.29 million |
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
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 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
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 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
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 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
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 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
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 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 |
| Embassy Bank for the Lehigh Valley Locations | ||
|---|---|---|
| Embassy Bank For The Lehigh Valley | 100 Gateway Drive | Bethlehem, PA 18017 |
| Cedar Crest Blvd. Branch | 1142 S. Cedar Crest Blvd. | Allentown, PA 18103 |
| Saucon Valley | 3495 Route 378 | Bethlehem, PA 18015 |
| Lower Nazareth Township | 3751 Easton-Nazareth Highway | Easton, PA 18045 |
| Tilghman Branch | 4148 W Tilghman Street | Allentown, PA 18104 |
| Trexlertown Marketplace Branch | 6379 Hamilton Boulevard | Allentown, PA 18106 |
| West Broad Street Branch | 925 W. Broad Street | Bethlehem, PA 18018 |