Embassy Bancorp annual debt-to-assets ratio
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2025
Embassy Bancorp Debt-to-Assets Ratio Growth & History (EMYB)
Embassy Bancorp's debt-to-assets ratio was 0.00 for fiscal 2025.
View full Embassy Bancorp company overviewEmbassy Bancorp annual debt-to-assets ratio history
| Fiscal year | Period ended | Debt-to-assets ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.00 | −0.00 | −28.64% |
| 2024 | 2024-12-31 | 0.00 | −0.00 | −11.65% |
| 2023 | 2023-12-31 | 0.00 | −0.00 | −10.48% |
| 2022 | 2022-12-31 | 0.00 | −0.01 | −69.14% |
| 2021 | 2021-12-31 | 0.01 | −0.00 | −12.82% |
| 2020 | 2020-12-31 | 0.02 | 0.01 | +100.54% |
| 2019 | 2019-12-31 | 0.01 | −0.04 | −83.21% |
| 2018 | 2018-12-31 | 0.05 | 0.05 | — |
| 2017 | 2017-12-31 | 0.00 | 0.00 | — |
| 2016 | 2016-12-31 | 0.00 | −0.05 | — |
| 2015 | 2015-12-31 | 0.05 | 0.04 | +253.85% |
| 2014 | 2014-12-31 | 0.02 | −0.01 | −26.85% |
| 2013 | 2013-12-31 | 0.02 | 0.00 | +5.86% |
| 2012 | 2012-12-31 | 0.02 | −0.00 | −13.92% |
| 2011 | 2011-12-31 | 0.02 | −0.00 | −13.99% |
| 2010 | 2010-12-31 | 0.03 | — | — |
Embassy Bancorp quarterly debt-to-assets ratio
Q4.10
Q2.11
Q3.11
Q4.11
Q1.12
Q2.12
Q3.12
Q4.12
Q1.13
Q2.13
Q3.13
Q4.13
Q1.14
Q2.14
Q3.14
Q4.14
Q1.15
Q2.15
Q3.15
Q4.15
Q4.16
Q1.17
Q2.17
Q3.17
Q4.17
Q1.18
Q2.18
Q3.18
Q4.18
Q1.19
Q2.19
Q3.19
Q4.19
Q1.20
Q2.20
Q3.20
Q4.20
Q1.21
Q2.21
Q3.21
Q4.21
Q4.22
Q4.23
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
| Fiscal quarter | Period ended | Debt-to-assets ratio | Change | YoY change |
|---|---|---|---|---|
| Q4 2025 | 2025-12-31 | 0.00 | −0.00 | −28.64% |
| Q3 2025 | 2025-09-30 | 0.00 | — | — |
| Q2 2025 | 2025-06-30 | 0.00 | — | — |
| Q1 2025 | 2025-03-31 | 0.00 | — | — |
| Q4 2024 | 2024-12-31 | 0.00 | −0.00 | −11.65% |
| Q4 2023 | 2023-12-31 | 0.00 | −0.00 | −10.48% |
| Q4 2022 | 2022-12-31 | 0.00 | −0.01 | −69.14% |
| Q4 2021 | 2021-12-31 | 0.01 | −0.00 | −12.82% |
| Q3 2021 | 2021-09-30 | 0.01 | −0.00 | −12.85% |
| Q2 2021 | 2021-06-30 | 0.01 | −0.00 | −9.68% |
| Q1 2021 | 2021-03-31 | 0.01 | −0.01 | −50.33% |
| Q4 2020 | 2020-12-31 | 0.02 | 0.01 | +100.54% |
| Q3 2020 | 2020-09-30 | 0.01 | 0.00 | +24.06% |
| Q2 2020 | 2020-06-30 | 0.01 | 0.00 | +17.00% |
| Q1 2020 | 2020-03-31 | 0.02 | 0.01 | +111.27% |
| Q4 2019 | 2019-12-31 | 0.01 | −0.04 | −83.21% |
| Q3 2019 | 2019-09-30 | 0.01 | −0.04 | −81.70% |
| Q2 2019 | 2019-06-30 | 0.01 | −0.02 | −66.07% |
| Q1 2019 | 2019-03-31 | 0.01 | 0.01 | +398.64% |
| Q4 2018 | 2018-12-31 | 0.05 | 0.05 | — |
| Q3 2018 | 2018-09-30 | 0.05 | 0.05 | — |
| Q2 2018 | 2018-06-30 | 0.03 | 0.03 | — |
| Q1 2018 | 2018-03-31 | 0.00 | 0.00 | — |
| Q4 2017 | 2017-12-31 | 0.00 | 0.00 | — |
| Q3 2017 | 2017-09-30 | 0.00 | — | — |
| Q2 2017 | 2017-06-30 | 0.00 | — | — |
| Q1 2017 | 2017-03-31 | 0.00 | — | — |
| Q4 2016 | 2016-12-31 | 0.00 | −0.05 | — |
| Q4 2015 | 2015-12-31 | 0.05 | 0.04 | +253.85% |
| Q3 2015 | 2015-09-30 | 0.08 | 0.05 | +201.67% |
| Q2 2015 | 2015-06-30 | 0.07 | 0.06 | +1255.61% |
| Q1 2015 | 2015-03-31 | 0.04 | 0.04 | +727.91% |
| Q4 2014 | 2014-12-31 | 0.02 | −0.01 | −26.85% |
| Q3 2014 | 2014-09-30 | 0.03 | −0.00 | −6.89% |
| Q2 2014 | 2014-06-30 | 0.00 | −0.02 | −79.30% |
| Q1 2014 | 2014-03-31 | 0.01 | −0.01 | −73.33% |
| Q4 2013 | 2013-12-31 | 0.02 | 0.00 | +5.86% |
| Q3 2013 | 2013-09-30 | 0.03 | 0.01 | +38.00% |
| Q2 2013 | 2013-06-30 | 0.02 | 0.00 | +12.17% |
| Q1 2013 | 2013-03-31 | 0.02 | −0.00 | −7.50% |
| Q4 2012 | 2012-12-31 | 0.02 | −0.00 | −13.92% |
| Q3 2012 | 2012-09-30 | 0.02 | −0.00 | −19.80% |
| Q2 2012 | 2012-06-30 | 0.02 | −0.00 | −18.80% |
| Q1 2012 | 2012-03-31 | 0.02 | — | — |
| Q4 2011 | 2011-12-31 | 0.02 | −0.00 | −13.99% |
| Q3 2011 | 2011-09-30 | 0.02 | — | — |
| Q2 2011 | 2011-06-30 | 0.03 | — | — |
| Q4 2010 | 2010-12-31 | 0.03 | — | — |
Embassy Bancorp debt-to-assets ratio trends
Over the last five fiscal years, Embassy Bancorp's debt-to-assets ratio decreased from 0.02 to 0.00, a change of −0.01. The latest reported quarter, Q4 2025, shows 0.00.
About the metric
What the debt-to-assets ratio means
The debt-to-assets ratio shows the portion of a company’s reported assets financed with interest-bearing debt. It is a leverage measure and should not be confused with total liabilities divided by assets.
Calculation and source
How debt-to-assets is calculated
TickerStat calculates debt-to-assets as total interest-bearing debt divided by total assets at the same reporting-period end. Periods with missing debt or non-positive assets are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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