Company: EMYB
Filing Date: 2025-08-13
Form Type: 10-Q
Source: 0001449794-25-000020
Chunk: 5

Company: Embassy Bancorp, Inc.
Filing Date: 2025-08-13
Form: 10-Q
Item: Part I, Item 8
Chunk 5
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 Commercial   -   -      -   -       Residential real estate (1)   918   921      959   963       Consumer   -   -      -   -    With an allowance recorded:                      Commercial real estate $ - $ - $ - $ - $ - $ -    Commercial construction (1)   237   237   18   238   238   19    Commercial (2)   17   17   17   34   34   34    Residential real estate (1)   407   407   79   419   419   81    Consumer   -   -   -   -   -   - Total:                      Commercial real estate $ 1,183 $ 1,183 $ - $ 1,335 $ 1,335 $ -    Commercial construction   292   292   18   293   293   19    Commercial    17   17   17   34   34   34    Residential real estate   1,325   1,328   79   1,378   1,382   81    Consumer   -   -   -   -   -   -   $ 2,817 $ 2,820 $ 114 $ 3,040 $ 3,044 $ 134  1.All loans are real estate collateral dependent.2.All loans are non-collateral dependent loans. The following table presents non-accrual loans by classes of the loan portfolio:                 June 30, 2025  December 31, 2024         (In Thousands)    Commercial real estate$ - $ 136    Commercial construction  -   -    Commercial   -   15    Residential real estate  485   344    Consumer  -   -        Total$ 485 $ 495  As of June 30, 2025, there were four (4) loans in non-accrual status in the amount of $485 thousand. These loans are all collateral dependent non-accrual loans and did not have a required related allowance. There was interest income recognized of $2 thousand for the three and six months ended June 30, 2025, on these non-accrual loans. As of December 31, 2024, there were five (5) loans in non-accrual status in the amount of $495