Company: EMYB
Filing Date: 2025-11-13
Form Type: 10-Q
Source: 0001449794-25-000035
Chunk: 31

Company: Embassy Bancorp, Inc.
Filing Date: 2025-11-13
Form: 10-Q
Item: Part I, Item 8
Chunk 31
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-US GAAP) basis for the nine months ended September 30, 2024.‎ 

31  

 The tables below set forth average balances and corresponding yields for the corresponding periods ended September 30, 2025 and 2024, respectively: Distribution of Assets, Liabilities and Stockholders’ Equity:Interest Rates and Interest Differential (quarter to date)                  Three Months Ended September 30,   2025  2024        Tax       Tax  Average     Equivalent Average     Equivalent  Balance  Interest  Yield Balance  Interest  Yield                    (Dollars In Thousands) ASSETS                Loans - taxable (2)$ 1,257,154 $ 14,628 4.62% $1,235,284 $13,568 4.37% Loans - non-taxable (1)  26,214   249 4.77%   27,530   235 4.30% Investment securities - taxable   295,716   2,267 3.04%   247,014   1,694 2.73% Investment securities - non-taxable (1)   39,065   298 3.83%   40,718   296 3.66% Federal funds sold  1,000   11 4.36%   1,000   14 5.57% Interest bearing deposits with banks  72,568   802 4.38%   78,392   1,115 5.66% TOTAL INTEREST EARNING ASSETS  1,691,717   18,255 4.32%   1,629,938   16,922 4.16% Less allowance for credit losses  (11,946)        (12,257)      Other assets  82,945        81,704      TOTAL ASSETS$1,762,716      $1,699,385                       LIABILITIES AND STOCKHOLDERS' EQUITY                Interest bearing demand deposits, ‎   NOW and money market$ 279,226 $ 978 1.39% $290,046 $1,250 1.71% Savings  454,706   997 0.87%   448,229   1,000 0.89% Certificates of deposit  533,726   5,395 4.01%