Company: EMYB
Filing Date: 2025-11-13
Form Type: 10-Q
Source: 0001449794-25-000035
Chunk: 7

Company: Embassy Bancorp, Inc.
Filing Date: 2025-11-13
Form: 10-Q
Item: Part I, Item 8
Chunk 7
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accrual status in the amount of $495 thousand, of which one (1) loan of $15 thousand, included in commercial loans above, is non-collateral dependent and required a related allowance of $15 thousand. The remaining collateral dependent nonaccrual loans did not have a required related allowance. As of September 30, 2024, there were seven (7) loans in non-accrual status in the amount of $1.2 million, of which one (1) loan of $15 thousand is non-collateral dependent and required a related allowance of $15 thousand. The remaining collateral dependent nonaccrual loans did not have a required related allowance. There was interest income of $7 thousand and $32 thousand recognized for the three and nine months ended September 30, 2024, respectively, on non-accrual loans.

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

 The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the past due status as of September 30, 2025 and December 31, 2024, respectively:                             Greater           Loan      than       Receivables > 30-59 Days 60-89 Days 90 Days Total   Total Loan  90 Days and  Past Due Past Due Past Due Past Due Current Receivables Accruing                      September 30, 2025(In Thousands)Commercial real estate$ - $ - $ - $ - $ 550,530 $ 550,530 $ -Commercial construction  -   -   -   -   16,202   16,202   -Commercial  -   -   -   -   31,672   31,672   -Residential real estate  734   430   59   1,223   678,954   680,177   -Consumer  7   -   -   7   560   567   -             Total$ 741 $ 430 $ 59 $ 1,230 $ 1,277,918 $ 1,279,148 $ - December 31, 2024                    Commercial real estate$ - $ - $ 136 $ 136 $ 536,458 $ 536,594 $ -