Company: EMYB
Filing Date: 2025-05-14
Form Type: 10-Q
Source: 0001449794-25-000009
Chunk: 40

Company: Embassy Bancorp, Inc.
Filing Date: 2025-05-14
Form: 10-Q
Item: Part I, Item 8
Chunk 40
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 provides a comparison of the Bank’s risk-based capital ratios and leverage ratios:                Consolidated Bank           March 31, 2025  December 31, 2024         (Dollars In Thousands) Tier 1, common stockholders' equity$ 159,964 $ 156,892Tier 2, allowable portion of allowance for credit losses  12,305   12,258Total capital$ 172,269 $ 169,150        Common equity tier 1 capital ratio  14.1%   13.9%Tier 1 risk based capital ratio  14.1%   13.9%Total risk based capital ratio  15.2%   14.9%Tier 1 leverage ratio  9.1%   9.0%        Note: Unrealized gains and losses on securities available for sale are excluded from regulatory capital components of risk-based capital and leverage ratios. In addition to the risk-based capital guidelines, the federal banking regulators established minimum leverage ratio (Tier 1 capital to total assets) guidelines for bank holding companies. These guidelines provide for a minimum leverage ratio of 3% for those bank holding companies which have the highest regulatory examination ratings and are not contemplating or experiencing significant growth or expansion. All other bank holding companies are required to maintain a leverage ratio of at least 4%. The capital ratios to be considered “well capitalized” under the capital rules are:Common equity of 6.5%; Tier 1 leverage of 5%; Tier 1 risk-based capital of 8%; and Total risk-based capital of 10%.  The Company qualifies as a small bank holding company and is not subject to the Federal Reserve’s consolidated capital rules, although an institution that so qualifies may continue to file reports that include such capital amounts and ratios. The Company has elected to continue to report those amounts and ratios.The following table provides the Company’s risk-based capital ratios and leverage ratios:                 Consolidated Corporation          March 31, 2025  December 31, 2024         (Dollars In Thousands) Tier 1, common stockholders' equity$ 160,317 $ 157,115Tier 2, allowable portion of allowance for credit losses  12,305   12,258Total capital$ 172,622 $ 169,373        Common equity tier 1 capital ratio  14.1%   13.9%Tier 1 risk