Company: EMYB
Filing Date: 2025-05-14
Form Type: 10-Q
Source: 0001449794-25-000009
Chunk: 6

Company: Embassy Bancorp, Inc.
Filing Date: 2025-05-14
Form: 10-Q
Item: Part I, Item 8
Chunk 6
---
   33   33   33   34   34   34    Residential real estate (1)   413   413   80   419   419   81    Consumer   -   -   -   -   -   - Total:                      Commercial real estate $ 1,329 $ 1,329 $ - $ 1,335 $ 1,335 $ -    Commercial construction   293   293   19   293   293   19    Commercial    33   33   33   34   34   34    Residential real estate   1,352   1,355   80   1,378   1,382   81    Consumer   -   -   -   -   -   -   $ 3,007 $ 3,010 $ 132 $ 3,040 $ 3,044 $ 134  1.All loans are real estate collateral dependent.2.All loans are non-collateral dependent loans. The following table presents non-accrual loans by classes of the loan portfolio:                 March 31, 2025  December 31, 2024         (In Thousands)    Commercial real estate$ 136 $ 136    Commercial construction  -   -    Commercial   15   15    Residential real estate  323   344    Consumer  -   -        Total$ 474 $ 495  As of March 31, 2025, there were four (4) loans in non-accrual status in the amount of $474 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 non-accrual loans did not have a required related allowance. There was no interest income recognized for three months ended March 31, 2025, on these non-accrual loans. As of December 31, 2024, there were five (5) loans in non-accrual status in the amount of $495 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 March 31, 2024