Company: EMYB
Filing Date: 2025-11-13
Form Type: 10-Q
Source: 0001449794-25-000035
Chunk: 5

Company: Embassy Bancorp, Inc.
Filing Date: 2025-11-13
Form: 10-Q
Item: Part I, Item 8
Chunk 5
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 as of September 30, 2025. Note 5 – Loans and Credit Quality The following table presents the composition of loans receivable at September 30, 2025 and December 31, 2024, respectively:                       September 30, 2025  December 31, 2024   Percentage of   Percentage of Balance total Loans Balance total Loans            (Dollars in Thousands)          Commercial real estate$ 550,530 43.04% $ 536,594 42.33%Commercial construction  16,202 1.27%   22,556 1.78%Commercial  31,672 2.48%   39,384 3.10%Residential real estate  680,177 53.17%   668,725 52.75%Consumer  567 0.04%   475 0.04%Total loans  1,279,148 100.00%   1,267,734 100.00%Unearned origination fees  932     688  Allowance for credit losses  (11,941)     (12,166)  Net Loans$ 1,268,139   $ 1,256,256   ‎ 

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

The following table presents the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention (potential weakness), substandard (well defined weakness) and doubtful (full collection unlikely) within the Company's internal risk rating system as of September 30, 2025 by year of origination:                            2025 2024 2023 2022 2021 Prior Revolving Total                          (In Thousands)Commercial                          real estate                        Pass$ 40,712 $ 51,924 $ 57,669 $ 138,191 $ 50,454 $ 206,492 $ 4,523 $ 549,965 Special Mention  -   -   -   -   -   -   -   - Substandard  -   -   -   -   -   565   -   565 Total  40,712   51,924   57,669   138,191   50,454   207,057   4,523   550,530                         Commercial                          construction                        Pass  263