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

Company: Embassy Bancorp, Inc.
Filing Date: 2025-11-13
Form: 10-Q
Item: Part I, Item 8
Chunk 11
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 experiencing financial difficulties that were outstanding at September 30, 2025 and December 31, 2024, respectively. The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. During the three and nine months ended September 30, 2025, there were $59 thousand of modifications to borrowers experiencing financial difficulties that experienced a payment default (loans ninety days or more past due) within the prior twelve months. There were no modifications to borrowers experiencing financial difficulties that experienced a payment default (loans ninety days or more past due) within the prior twelve months during the three and nine months ended September 30, 2024.  Note 6 – Deposits The components of deposits at September 30, 2025 and December 31, 2024 are as follows:                 September 30, 2025 December 31, 2024 (In Thousands)      Demand, non-interest bearing$336,060 $351,371Demand, NOW and money market, interest bearing 294,299  270,775Savings 448,662  444,102Time, $250 and over 183,972  167,615Time, other 357,570  319,096Total deposits$1,620,563 $1,552,959 ‎ 

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

 At September 30, 2025, the scheduled maturities of time deposits are as follows (in thousands):                       2025 (remainder of the year)$ 236,013  2026  288,697  2027  12,611  2028  3,990  2029  165  2030  66   $ 541,542        Note 7 – Short-term and Long-term Borrowings Securities sold under agreements to repurchase, federal funds purchased, and FHLB short term advances generally represent overnight or less than twelve month borrowings. Long term advances from the FHLB are for periods of twelve months or more and are generally less than sixty months. The Bank has an agreement with the FHLB, which allows for borrowings up to a percentage of qualifying assets. At September 30, 2025, the Bank had a maximum borrowing capacity for short-term and long-term FHLB advances of approximately $703.9 million, of which $