Company: EMYB
Filing Date: 2025-08-13
Form Type: 10-Q
Source: 0001449794-25-000020
Chunk: 6

Company: Embassy Bancorp, Inc.
Filing Date: 2025-08-13
Form: 10-Q
Item: Part I, Item 8
Chunk 6
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 thousand, of which one (1) loan of $15 thousand, included in commercial loans above, is non-collateral dependent and required a related allowance of $15 thousand. The remaining collateral dependent nonaccrual loans did not have a required related allowance. As of June 30, 2024, there were three (3) loans in non-accrual status in the amount of $292 thousand. There was no required related allowance for these collateral dependent non-accrual loans. There was no interest income recognized for the three months ended June 30, 2024 and interest income of $1 thousand was recognized for the six months ended June 30, 2024.

15  Embassy Bancorp, Inc.                                                                                                                            Notes to Consolidated Financial Statements (Unaudited) 

 The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the past due status as of June 30, 2025 and December 31, 2024, respectively:                             Greater           Loan      than       Receivables > 30-59 Days 60-89 Days 90 Days Total   Total Loan  90 Days and  Past Due Past Due Past Due Past Due Current Receivables Accruing                      June 30, 2025(In Thousands)Commercial real estate$ - $ - $ - $ - $ 550,735 $ 550,735 $ -Commercial construction  -   -   -   -   17,462   17,462   -Commercial  -   -   -   -   34,966   34,966   -Residential real estate  1,466   125   292   1,883   675,509   677,392   -Consumer  -   -   -   -   511   511   -             Total$ 1,466 $ 125 $ 292 $ 1,883 $ 1,279,183 $ 1,281,066 $ - December 31, 2024                    Commercial real estate$ - $ - $ 136 $ 136 $ 536,458 $ 536,594 $ -Commercial construction  -   -   -   -   22,556   22,556   -Commercial  -   -   15   15