Company: EMYB
Filing Date: 2025-03-17
Form Type: 10-K
Source: 0001449794-25-000002
Chunk: 39

Company: Embassy Bancorp, Inc.
Filing Date: 2025-03-17
Form: 10-K
Item: Item 7A
Chunk 39
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,778 ≥ 5.0                         December 31, 2023:                      Total capital (to risk-weighted assets)$ 161,760  14.5% $≥ 89,523 ≥ 8.0% $≥ 111,904 ≥ 10.0% Tier 1 common capital (to risk-weighted assets)  149,299  13.3   ≥ 50,357 ≥ 4.5   ≥ 72,738 ≥ 6.5  Tier 1 capital (to risk-weighted assets)  149,299  13.3   ≥ 67,142 ≥ 6.0   ≥ 89,523 ≥ 8.0  Tier 1 capital (to average assets)  149,299  8.9   ≥ 66,787 ≥ 4.0   ≥ 83,483 ≥ 5.0  ‎ 

86    Embassy Bancorp, Inc.  

 The Company’s actual capital amounts and ratios at December 31, 2024 and 2023 are presented below:                             Actual For Capital Adequacy‎Purposes    Amount Ratio Amount Ratio                                 (Dollar Amounts in Thousands)                                December 31, 2024:                      Total capital (to risk-weighted assets)$ 169,373  15.0% $≥ 90,602 ≥ 8.0%         Tier 1 common capital (to risk-weighted assets)  157,115  13.9   ≥ 50,963 ≥ 4.5          Tier 1 capital (to risk-weighted assets)  157,115  13.9   ≥ 67,951 ≥ 6.0          Tier 1 capital (to average assets)  157,115  9.1   ≥ 69,425 ≥ 4.0                                 December 31, 2023:                      Total capital (to risk-weighted assets)$ 161,816  14.5% $≥ 89,512 ≥ 8.0%         Tier 1 common capital (to risk-weighted assets)  149,355  13.3   ≥ 50,350 ≥ 4.5          Tier 1 capital (to risk-weighted assets)  149,355  13.3   ≥ 67,134 ≥ 6.0          Tier 1 capital (to average assets)