Company: EMYB
Filing Date: 2025-05-14
Form Type: 10-Q
Source: 0001449794-25-000009
Chunk: 9

Company: Embassy Bancorp, Inc.
Filing Date: 2025-05-14
Form: 10-Q
Item: Part I, Item 8
Chunk 9
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 the allocation for credit losses and the related loan portfolio disaggregated based on impairment methodology at March 31, 2025 and December 31, 2024:                                     Commercial Real Estate Commercial Construction Commercial Residential Real Estate Consumer Total                   (In Thousands) March 31, 2025                 Allowance for Credit Losses                 Ending Balance$ 5,985 $ 247 $ 527 $ 5,433 $ 30 $ 12,222Ending balance: individually evaluated for impairment - real estate collateral dependent$ - $ 19 $ - $ 80 $ - $ 99Ending balance: individually evaluated for impairment - non-collateral dependent$ - $ - $ 33 $ - $ - $ 33Ending balance: collectively evaluated for impairment$ 5,985 $ 228 $ 494 $ 5,353 $ 30 $ 12,090                  Loans receivables:                 Ending balance$ 544,582 $ 21,628 $ 38,365 $ 667,208 $ 460 $ 1,272,243Ending balance: individually evaluated for impairment - real estate collateral dependent$ 1,329 $ 293 $ - $ 1,352 $ - $ 2,974Ending balance: individually evaluated for impairment - non-collateral dependent$ - $ - $ 33 $ - $ - $ 33Ending balance: collectively evaluated for impairment$ 543,253 $ 21,335 $ 38,332 $ 665,856 $ 460 $ 1,269,236                   December 31, 2024                 Allowance for Credit Losses                 Ending Balance$ 5,897 $ 257 $ 536 $ 5,446 $ 30 $ 12,166Ending balance: individually evaluated for impairment - real estate collateral dependent$ - $ 19 $ - $ 81 $ - $ 100Ending balance: individually evaluated for impairment - non-collateral dependent$ - $ - $ 34 $ - $ - $ 34Ending balance: collectively evaluated for impairment$ 5,897 $ 238 $ 502 $ 5,365 $ 30 $ 12,032                  Loans receivables:                 Ending balance$ 536,594 $ 22,556 $ 39,384 $ 668,725 $ 475 $ 1,267,734Ending balance: individually evaluated for impairment - real estate collateral dependent$ 1,335 $ 293 $ - $ 1,378 $ - $ 3,