Company: EMYB
Filing Date: 2025-03-17
Form Type: 10-K
Source: 0001449794-25-000002
Chunk: 26

Company: Embassy Bancorp, Inc.
Filing Date: 2025-03-17
Form: 10-K
Item: Item 7A
Chunk 26
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 39,384 $ 668,725 $ 475 $ 1,267,734Ending balance: individually evaluated for impairment - real estate collateral dependent$ 1,335 $ 293 $ - $ 1,378 $ - $ 3,006Ending balance: individually evaluated for impairment - non-collateral dependent$ - $ - $ 34 $ - $ - $ 34Ending balance: collectively evaluated for impairment$ 535,259 $ 22,263 $ 39,350 $ 667,347 $ 475 $ 1,264,694                   December 31, 2023                 Allowance for Credit Losses                 Ending Balance$ 6,108 $ 195 $ 920 $ 5,224 $ 14 $ 12,461Ending balance: individually evaluated for impairment - real estate collateral dependent$ - $ 22 $ - $ 152 $ - $ 174Ending balance: individually evaluated for impairment - non-collateral dependent$ - $ - $ 21 $ - $ - $ 21Ending balance: collectively evaluated for impairment$ 6,108 $ 173 $ 899 $ 5,072 $ 14 $ 12,266                  Loans receivables:                 Ending balance$ 539,034 $ 16,840 $ 33,951 $ 663,127 $ 565 $ 1,253,517Ending balance: individually evaluated for impairment - real estate collateral dependent$ 1,303 $ 296 $ - $ 1,718 $ - $ 3,317Ending balance: individually evaluated for impairment - non-collateral dependent$ - $ - $ 21 $ - $ - $ 21Ending balance: collectively evaluated for impairment$ 537,731 $ 16,544 $ 33,930 $ 661,409 $ 565 $ 1,250,179‎ 

73    Embassy Bancorp, Inc.  

 The following table presents the carrying value and related allowance for credit losses of individually analyzed loans at December 31, 2024 and December 31, 2023, respectively:                         December 31, 2024 December 31, 2023   Recorded Investment Unpaid Principal Balance Related Allowance for Credit Losses Recorded Investment Unpaid Principal Balance Related Allowance for Credit Losses   (In Thousands) With no related allowance recorded:                      Commercial real estate (1) $ 1,335 $ 1,335    $ 1,303 $ 1,543       Commercial construction