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  <import namespace="http://xbrl.sec.gov/cyd/2025" schemaLocation="https://xbrl.sec.gov/cyd/2025/cyd-2025.xsd"></import>
  <element id="emyb_RestrictedInvestmentInBankStockAbstract" name="RestrictedInvestmentInBankStockAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration"></element>
  <element id="emyb_CharitableContributions" name="CharitableContributions" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="emyb_RestrictedInvestmentInBankStock" name="RestrictedInvestmentInBankStock" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="emyb_CreditCardProcessingFees" name="CreditCardProcessingFees" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit"></element>
  <element id="emyb_ChangeInRestrictedInvestmentInBankStock" name="ChangeInRestrictedInvestmentInBankStock" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit"></element>
  <element id="emyb_RestrictedInvestmentsInBankStockTextBlock" name="RestrictedInvestmentsInBankStockTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_AtlanticCentralBankersBankBorrowingsMember" name="AtlanticCentralBankersBankBorrowingsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_PercentageOfTotalLoans" name="PercentageOfTotalLoans" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant"></element>
  <element id="emyb_StockIncentivePlanMember" name="StockIncentivePlanMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_FvDeterminedThroughIndependentAppraisalsOfUnderlyingCollateralMember" name="FvDeterminedThroughIndependentAppraisalsOfUnderlyingCollateralMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_ImpairedLoanMember" name="ImpairedLoanMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_AccruedInterestReceivableFairValue" name="AccruedInterestReceivableFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="emyb_RestrictedInvestmentInBankStockFairValue" name="RestrictedInvestmentInBankStockFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="emyb_TimeDeposits250000OrMore" name="TimeDeposits250000OrMore" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit"></element>
  <element id="emyb_FederalHomeLoanBankAdvancePeriod" name="FederalHomeLoanBankAdvancePeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_CompensationExpenseRecognizedInStockGrants" name="CompensationExpenseRecognizedInStockGrants" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit"></element>
  <element id="emyb_LoansAndLeasesReceivableUnearnedOriginationFees" name="LoansAndLeasesReceivableUnearnedOriginationFees" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="emyb_FairValueMeasurementsRangeRate" name="FairValueMeasurementsRangeRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_EmployeeStockPurchasePlanMember" name="EmployeeStockPurchasePlanMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_ShareBasedCompensationArrangementByShareBasedPaymentAwardMinimumWorkHoursPerWeek" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardMinimumWorkHoursPerWeek" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_PurchasePriceForSharePercentageEqualToFairValueOfSuchShares" name="PurchasePriceForSharePercentageEqualToFairValueOfSuchShares" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_MaximumDiscountToFairValuePercentage" name="MaximumDiscountToFairValuePercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_PurchasedTreasuryStockIMember" name="PurchasedTreasuryStockIMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_PurchasedTreasuryStockIiMember" name="PurchasedTreasuryStockIiMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_EmployeeStockPurchasePlanDiscountExpense" name="EmployeeStockPurchasePlanDiscountExpense" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="emyb_DebitCardInterchangeFees" name="DebitCardInterchangeFees" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit"></element>
  <element id="emyb_OtherServiceIncomeFees" name="OtherServiceIncomeFees" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit"></element>
  <element id="emyb_RightOfUseAssetsObtainedInExchangeForNewOperatingLeaseLiabilities" name="RightOfUseAssetsObtainedInExchangeForNewOperatingLeaseLiabilities" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="emyb_LoansCollateralizedByResidentialRealEstateInProcessOfForeclosure" name="LoansCollateralizedByResidentialRealEstateInProcessOfForeclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="emyb_NumberOfLoans" name="NumberOfLoans" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_ScheduleOfLoanPortfolioByOriginationYearTableTextBlock" name="ScheduleOfLoanPortfolioByOriginationYearTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_NumberOfLoansInNonAccrualStatus" name="NumberOfLoansInNonAccrualStatus" nillable="true" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_FederalHomeLoanBankAdvancesShortAndLongTermMember" name="FederalHomeLoanBankAdvancesShortAndLongTermMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_NetTangibleRatioBelow5PercentMember" name="NetTangibleRatioBelow5PercentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_NetTangibleRatioBelow2PercentMember" name="NetTangibleRatioBelow2PercentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_LineOfCreditFacilityNetTangibleRatioThresholdPercentage" name="LineOfCreditFacilityNetTangibleRatioThresholdPercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_NetTangibleRatioBelow0PercentMember" name="NetTangibleRatioBelow0PercentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_FinancingReceivableNonaccrualAllowance" name="FinancingReceivableNonaccrualAllowance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit"></element>
  <element id="emyb_ProvisionCreditForLoanLeaseAndOtherLosses" name="ProvisionCreditForLoanLeaseAndOtherLosses" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="emyb_NewModificationsMember" name="NewModificationsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_PurchaseOfTotalBond" name="PurchaseOfTotalBond" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit"></element>
  <element id="emyb_NumberOfBonds" name="NumberOfBonds" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_FinancingReceivableIndividuallyEvaluatedWithAllowanceForCreditLossUnpaidPrincipalBalance" name="FinancingReceivableIndividuallyEvaluatedWithAllowanceForCreditLossUnpaidPrincipalBalance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="emyb_FinancingReceivableIndividuallyEvaluatedWithoutAllowanceForCreditLossUnpaidPrincipalBalance" name="FinancingReceivableIndividuallyEvaluatedWithoutAllowanceForCreditLossUnpaidPrincipalBalance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="emyb_FinancingReceivableIndividuallyEvaluatedForCreditLossUnpaidPrincipalBalance" name="FinancingReceivableIndividuallyEvaluatedForCreditLossUnpaidPrincipalBalance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit"></element>
  <element id="emyb_FinancingReceivableIndividuallyEvaluatedForCreditLossTableTextBlock" name="FinancingReceivableIndividuallyEvaluatedForCreditLossTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTable" name="OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTable" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" xbrli:periodType="duration"></element>
  <element id="emyb_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesLineItems" name="OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration"></element>
  <element id="emyb_FinancingReceivableModifiedNumberOfLoans" name="FinancingReceivableModifiedNumberOfLoans" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration"></element>
  <element id="emyb_PaymentsForRepurchaseOfCommonStockUnderStockPurchasePlan" name="PaymentsForRepurchaseOfCommonStockUnderStockPurchasePlan" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit"></element></schema>
