Company: EMYB
Filing Date: 2025-08-13
Form Type: 10-Q
Source: 0001449794-25-000020
Chunk: 32

Company: Embassy Bancorp, Inc.
Filing Date: 2025-08-13
Form: 10-Q
Item: Part I, Item 8
Chunk 32
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987   27 5.50% Interest bearing deposits with banks  66,532   1,467 4.46%   49,061   1,303 5.34% TOTAL INTEREST EARNING ASSETS  1,661,849   34,664 4.25%   1,577,895   31,216 4.01% Less allowance for credit losses  (12,158)        (12,496)      Other assets  83,347        82,054      TOTAL ASSETS$1,733,038      $1,647,453                       LIABILITIES AND STOCKHOLDERS' EQUITY                Interest bearing demand deposits,                 NOW and money market$ 274,755 $ 1,928 1.42% $ 262,282 $ 1,982 1.52% Savings  456,228   1,938 0.86%   475,154   1,988 0.84% Certificates of deposit  511,295   10,467 4.14%   429,601   9,370 4.39% Securities sold under agreements to repurchase‎and other borrowings  6,577   84 2.58%   16,979   269 3.19% TOTAL INTEREST BEARING LIABILITIES  1,248,855   14,417 2.33%   1,184,016   13,609 2.31%                  Non-interest bearing demand deposits  348,619        338,211      Other liabilities  23,235        23,387      Stockholders' equity  112,329        101,839      TOTAL LIABILITIES AND‎STOCKHOLDERS' EQUITY$1,733,038      $1,647,453                       Net interest income    $20,247      $17,607   Tax equivalent adjustments                    Loans     134        121       Investments     158        158   Total tax equivalent adjustments     292        279   Net interest income on a tax equivalent basis   $20,539      $17,886   Net interest spread (US GAAP basis)      1.88%       1.67% Net interest margin (US GAAP basis)      2.46%       2.24% Net