Company: EMYB
Filing Date: 2025-11-13
Form Type: 10-Q
Source: 0001449794-25-000035
Chunk: 37

Company: Embassy Bancorp, Inc.
Filing Date: 2025-11-13
Form: 10-Q
Item: Part I, Item 8
Chunk 37
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 estate  -   -   (136)   -      Commercial construction  -   -   -   -      Commercial  -   -   (15)   -      Residential real estate  -   -   -   -      Consumer  -   -   (1)   (11)   Total loans charged off  -   -   (152)   (11)   Recoveries of loans previously charged off:                 Commercial real estate  -   -   -   240      Commercial construction  -   -   -   -      Commercial  -   -   -   -      Residential real estate  -   -   -   -      Consumer  -   -   -   -   Total recoveries  -   -   -   240   Net (charge offs) recoveries   -   -   (152)   229Balance at end of period$ 11,941 $ 12,206 $ 11,941 $ 12,206Allowance for credit losses to loans receivable at end of period 0.93%  0.97%  0.93%  0.97% In addition to the allowance for credit losses, the Company maintains a reserve for unfunded commitments at a level that management believes is adequate to absorb probable losses. At September 30, 2025 and December 31, 2024, a $61 thousand and $92 thousand unfunded commitment reserve was reported, respectively, on the Consolidated Balance Sheets in other liabilities.‎ 

35  

 Non-interest Income Total non-interest income was $887 thousand for the three months ended September 30, 2025 compared to $853 thousand for the same period in 2024. The increase is, in part, attributable to an increase in other service fees of $15 thousand and an increase of $29 thousand from the gain on the sale of other real estate owned during the third quarter of 2025. Offsetting this increase is a decrease in merchant and credit card processing fees of $17 thousand. Total non-interest income was $2.5 million for the nine months ended September 30, 2025, compared to $2.3 million for the same period in 2024. The increase is, in part, attributable to an increase in bank owned life insurance of $118 thousand, an increase of $29 thousand from the gain on the sale of other real estate owned during the third quarter of 2025, and an increase in other service fees of $