Embassy Bancorp, Inc. is a bank holding company. The Company's operating subsidiary is Embassy Bank for The Lehigh Valley (the Bank). The Company provides a traditional range of financial products and services to meet the depository and credit needs of individual consumers, small and medium-sized businesses, and professionals in its market area. The Company 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. 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, to a much lesser extent, unsecured personal loans. It offers a range of specialty home equity and mortgage products. Its other services include mobile banking and safe deposit boxes.