For the quarter ending 2025-09-30, EMYB has $1,778,059K in assets. $1,655,625K in debts.
| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash and due from banks | 17,394 | 17,824 | ||
| Interest bearing demand deposits with banks | 89,603 | 72,993 | ||
| Federal funds sold | 1,000 | 1,000 | ||
| Cash and cash equivalents | 107,997 | 91,817 | ||
| Securities available for sale | 334,314 | 328,290 | ||
| Restricted investment in bank stock | 1,051 | 1,051 | ||
| Receivable, gross | 1,279,148 | - | ||
| Unearned origination fees | 932 | - | ||
| Allowance for credit losses | 11,941 | - | ||
| Loans receivable, net of allowance for credit losses of 11,941 in 2025 12,166 in 2024 | 1,268,139 | 1,270,028 | ||
| Premises and equipment, net of accumulated depreciation | 3,014 | 3,168 | ||
| Bank owned life insurance | 37,656 | 37,287 | ||
| Accrued interest receivable | 4,054 | 4,108 | ||
| Other assets | 21,834 | 23,566 | ||
| Total assets | 1,778,059 | 1,759,315 | ||
| Non-interest bearing | 336,060 | 350,263 | ||
| Interest bearing | 1,284,503 | 1,259,944 | ||
| Total deposits | 1,620,563 | 1,610,207 | ||
| Securities sold under agreements to repurchase | 12,116 | 7,927 | ||
| Accrued interest payable | 7,068 | 7,429 | ||
| Other liabilities | 15,878 | 19,440 | ||
| Total liabilities | 1,655,625 | 1,645,003 | ||
| Common stock, 1 par value authorized 20,000,000 shares 2025 issued 7,812,476 shares outstanding 7,646,114 shares 2024 issued 7,792,654 shares outstanding 7,626,292 shares | 7,813 | 7,812 | ||
| Surplus | 29,185 | 29,143 | ||
| Retained earnings | 129,707 | 125,914 | ||
| Accumulated other comprehensive loss | -41,532 | -45,818 | ||
| Treasury stock, at cost 166,362 shares at september 30, 2025 and december 31, 2024, respectively | 2,739 | 2,739 | ||
| Total stockholders' equity | 122,434 | 114,312 | ||
| Total liabilities and stockholders' equity | 1,778,059 | 1,759,315 | ||
Embassy Bancorp, Inc. (EMYB)
Embassy Bancorp, Inc. (EMYB)