Embassy Bank for the Lehigh Valley

Embassy Bank for the Lehigh Valley Locations

100 Gateway Drive
Bethlehem, PA 18017
1-866-227-7360
www.embassybank.com

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Embassy Bank for the Lehigh Valley is headquartered in Bethlehem and is the 61^st largest bank in the state of Pennsylvania. It is also the 1,084^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 66 employees at 7 locations. Embassy Bank for the Lehigh Valley's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Embassy Bank for the Lehigh Valley Routing Number: 031318716

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See Rates for: Checking | Savings | Money Market | CD | IRA

Embassy Bank for the Lehigh Valley Checking Account Rates

Apy	Min	Max	Product
0.10%	$500k	-	Free Money Manager Checking Account
0.02%	$10k	-	Enterprise Interest Checking
0.02%	$5k	-	Enterprise Non-Profit Interest Checking

Embassy Bank for the Lehigh Valley Savings Account Rates

Apy	Min	Max	Product
0.75%	-	-	Personal Ingot Savings Account
0.30%	-	-	IRA Savings
0.30%	-	-	Youth Savers Account
0.30%	-	-	Personal Savings Account
0.30%	-	-	Roth IRA Savings
0.30%	-	-	Business Ingot Savings Account
0.15%	$25k	-	Business Savings Account

Embassy Bank for the Lehigh Valley Money Market Rates

Apy	Min	Max	Product
0.40%	$500k	-	IRA Diplomat Gold Money Market
0.40%	$500k	-	Diplomat Gold Money Market
0.40%	$500k	-	Roth IRA Diplomat Gold Money Market
0.20%	$500k	-	Business Money Market Account

Embassy Bank for the Lehigh Valley CD Rates

Apy	Min	Max	Product
1.40%	$500	-	60 Month CD
1.40%	$500	-	Business 60 Month CD
1.25%	$500	-	48 Month CD
1.25%	$500	-	Business 48 Month CD
0.90%	$500	-	36 Month CD
0.90%	$500	-	Business 36 Month CD
0.70%	$500	-	24 Month CD
0.70%	$500	-	Business 24 Month CD
0.45%	$500	-	18 Month CD
0.45%	$500	-	Business 18 Month CD
0.35%	$500	-	12 Month CD
0.35%	$500	-	Business 12 Month CD
0.25%	$500	-	9-11 Month CD
0.25%	$500	-	Business 9-11 Month CD
0.20%	$500	-	6-8 Month CD
0.20%	$500	-	Business 6-8 Month CD
0.15%	$500	-	30-90 Day CD
0.15%	$500	-	Business 30-90 Day CD
0.05%	$500	-	7-29 Day CD
0.05%	$500	-	Business 7-29 Day CD

Embassy Bank for the Lehigh Valley IRA Rates

Apy	Min	Max	Product
1.40%	$500	-	60 Month IRA
1.40%	$500	-	60 Month Roth IRA
1.25%	$500	-	48 Month IRA
1.25%	$500	-	48 Month Roth IRA
0.90%	$500	-	36 Month IRA
0.90%	$500	-	36 Month Roth IRA
0.70%	$500	-	24 Month IRA
0.70%	$500	-	24 Month Roth IRA
0.45%	$500	-	18 Month IRA
0.45%	$500	-	18 Month Roth IRA
0.35%	$500	-	12 Month IRA
0.35%	$500	-	12 Month Roth IRA
0.25%	$500	-	9-11 Month IRA
0.25%	$500	-	9-11 Month Roth IRA
0.20%	$500	-	6-8 Month IRA
0.20%	$500	-	6-8 Month Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Embassy Bank for the Lehigh Valley
FDIC Certificate #	57228
BankRate Report	View
Year Established	2001
Employees	66
Primary Regulator	FDIC
Assets and Liabilities
Assets	$616.74 million
Loans	$431.90 million
Deposits	$526.38 million
Equity Capital	$50.24 million
Loan Loss Allowance	$4.35 million
Unbacked Noncurrent Loans	$2.47 million
Real Estate Owned	$2.97 million
Historic Data - March 2011
Assets	$519.53 million
Equity Capital	$43.51 million
Loan Loss Allowance	$3.79 million
Unbacked Noncurrent Loans	$3.02 million
Real Estate Owned	$3.07 million
Profit Margin - Quarterly
Net Interest Margin	3.41%
Return on Assets	0.85%
Return on Equity	10.25%
Interest Income	$6.00 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Embassy Bank for the Lehigh Valley had $5.44 million in non-current loans and owned real-estate with $54.58 million in equity and loan loss allowances on hand to cover it. This gives Embassy Bank for the Lehigh Valley a Texas Ratio of 9.97% which is above average. 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 slightly from 12.88% as of March 31, 2011 to 9.97% as of March 31, 2012, resulting in a positive change of 22.58%.This indicates that the balance sheet and financial strength for Embassy Bank for the Lehigh Valley has improved slightly in recent periods.
Deposit Growth
In the past year, Embassy Bank for the Lehigh Valley has increased its total deposits by $99.52 million, resulting in 23.31% 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 $616.74 million in assets with $54.58 million in equity, resulting in a capitalization level of 8.85%, which is average.

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