Company: EMYB
Filing Date: 2025-03-17
Form Type: 10-K
Source: 0001449794-25-000002
Chunk: 38

Company: Embassy Bancorp, Inc.
Filing Date: 2025-03-17
Form: 10-K
Item: Item 7A
Chunk 38
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itative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth below) of total, Tier 1 common capital, and Tier 1 capital (as defined in the regulations) to risk-weighted assets and of Tier 1 capital to average assets. Management believes, as of December 31, 2024, the Company and the Bank meet all capital adequacy requirements to which they are subject.  Effective in 2018, the Federal Reserve raised the consolidated asset limit to be considered a small bank holding company from $1 billion to $3 billion.  A company that qualifies as a small bank holding company is not subject to the Federal Reserve’s consolidated capital rules, although a company that so qualifies may continue to file reports that include such capital amounts and ratios.  The Company has elected to continue to report those amounts and ratios. As of December 31, 2024, the most recent notification from the regulatory agencies categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank’s category.  The Bank’s actual capital amounts and ratios at December 31, 2024 and 2023 are presented below:                            Actual For Capital Adequacy‎Purposes To be Well Capitalized under‎Prompt Corrective Action‎Provisions  Amount Ratio Amount Ratio Amount Ratio                         (Dollar Amounts in Thousands)                        December 31, 2024:                      Total capital (to risk-weighted assets)$ 169,150  14.9% $≥ 90,621 ≥ 8.0% $≥ 113,276 ≥ 10.0% Tier 1 common capital (to risk-weighted assets)  156,892  13.9   ≥ 50,974 ≥ 4.5   ≥ 73,629 ≥ 6.5  Tier 1 capital (to risk-weighted assets)  156,892  13.9   ≥ 67,965 ≥ 6.0   ≥ 90,621 ≥ 8.0  Tier 1 capital (to average assets)  156,892  9.0   ≥ 69,423 ≥ 4.0   ≥ 86