Company: EMYB
Filing Date: 2025-11-13
Form Type: 10-Q
Source: 0001449794-25-000035
Chunk: 6

Company: Embassy Bancorp, Inc.
Filing Date: 2025-11-13
Form: 10-Q
Item: Part I, Item 8
Chunk 6
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 55      55   55       Commercial   -   -      -   -       Residential real estate (1)   914   917      959   963       Consumer   -   -      -   -    With an allowance recorded:                      Commercial real estate $ - $ - $ - $ - $ - $ -    Commercial construction (1)   237   237   18   238   238   19    Commercial (2)   16   16   16   34   34   34    Residential real estate (1)   831   831   124   419   419   81    Consumer   -   -   -   -   -   - Total:                      Commercial real estate $ 565 $ 565 $ - $ 1,335 $ 1,335 $ -    Commercial construction   292   292   18   293   293   19    Commercial    16   16   16   34   34   34    Residential real estate   1,745   1,748   124   1,378   1,382   81    Consumer   -   -   -   -   -   -   $ 2,618 $ 2,621 $ 158 $ 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:                 September 30, 2025  December 31, 2024         (In Thousands)    Commercial real estate$ - $ 136    Commercial construction  -   -    Commercial   -   15    Residential real estate  496   344    Consumer  -   -        Total$ 496 $ 495  As of September 30, 2025, there were five (5) loans in non-accrual status in the amount of $496 thousand. These loans are all collateral dependent non-accrual loans and did not have a required related allowance. There was interest income recognized of $1 thousand and $7 thousand for three and nine months ended September 30, 2025, respectively, on these non-accrual loans. As of December 31, 2024, there were five (5) loans in non-