Company: EMYB
Filing Date: 2025-11-13
Form Type: 10-Q
Source: 0001449794-25-000035
Chunk: 8

Company: Embassy Bancorp, Inc.
Filing Date: 2025-11-13
Form: 10-Q
Item: Part I, Item 8
Chunk 8
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Commercial construction  -   -   -   -   22,556   22,556   -Commercial  -   -   15   15   39,369   39,384   -Residential real estate  752   -   215   967   667,758   668,725   -Consumer  -   -   -   -   475   475   -             Total$ 752 $ - $ 366 $ 1,118 $ 1,266,616 $ 1,267,734 $ - At September 30, 2025, the Company had no foreclosed assets and no mortgage loans collateralized by residential real estate in the process of foreclosure. At December 31, 2024, the Company had no foreclosed assets and had two (2) recorded investments in mortgage loans collateralized by residential real estate in the process of foreclosure in the amount of $216 thousand. ‎ 

16  Embassy Bancorp, Inc.                                                                                                                            Notes to Consolidated Financial Statements (Unaudited) 

 The following tables detail the activity in the allowance for credit losses for the three and nine months ended September 30, 2025 and September 30, 2024, respectively:                     Commercial Real Estate Commercial Construction Commercial Residential Real Estate Consumer Total                    Allowance for credit losses(In Thousands) Three Months Ending September 30, 2025                  Beginning Balance - June 30, 2025$ 5,793  $ 194  $ 461  $ 5,434  $ 23  $ 11,905     Charge-offs  -   -   -   -   -   -    Recoveries  -   -   -   -   -   -    Provisions (credits) on loans  26    (12)   (35)   61    (4)   36  Ending Balance - September 30, 2025$ 5,819  $ 182  $ 426  $ 5,495  $ 19  $ 11,941                     Nine Months Ending September 30, 2025                  Beginning Balance - December 31, 2024$ 5,897  $ 257  $ 536  $ 5,446  $ 30  $ 12,166     Charge-offs  (136)   -   (15)   -   (1)   (152)    Recoveries