Embassy Bancorp, Inc. is a bank holding company. Its operating subsidiary is Embassy Bank for the Lehigh Valley (the Bank). The Company acts as an independent community financial services provider and offers traditional banking and related financial services to individual, business and government customers. It offers a range of commercial and retail financial services, including the taking of time, savings, and demand deposits; the making of commercial, consumer, residential mortgage, and home equity loans; and the providing of other financial services. Its loan portfolio consists of secured fixed-rate and variable-rate loans with a concentration in commercial-purpose transactions and consumer residential mortgage and home equity loans. The Company offers its retail customer base a product line of consumer loan services, including mortgage loans, first time home buyer mortgages, secured home equity loans, lines of credit, auto loans, and others.