Norwood Financial (NWFL) 10-K13 Mar 202019 FY Annual reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
Document and Entity Information - USD ($) $ in Millions	Dec. 31, 2019	Mar. 01, 2020	Jun. 28, 2019
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2019
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	0-28364
Entity Registrant Name	NORWOOD FINANCIAL CORP
Entity Central Index Key	0001013272
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	23-2828306
Entity Address, Address Line One	717 Main Street
Entity Address, City or Town	Honesdale
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	18431
City Area Code	570
Local Phone Number	253-1455
Title of 12(b) Security	Common Stock, $.10 par value
Trading Symbol	NWFL
Security Exchange Name	NASDAQ
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Shell Company	false
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		6,330,561
Entity Public Float			$ 206.9
Documents Incorporated by Reference [Text Block]	1. Portions of the Annual Report to Stockholders for the Fiscal Year Ended December 31, 2019. (Parts I, II, and IV) 2. Portions of the definitive Proxy Statement for the 2020 Annual Meeting of Shareholders. (Part III)

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 15,038	$ 18,039
Interest-bearing deposits with banks	377	309
Cash and cash equivalents	15,415	18,348
Securities available for sale	210,205	243,277
Loans receivable (net of allowance for loan losses 2019: $8,509; 2018: $8,452)	924,581	850,182
Loans receivable (net of allowance for loan losses 2019: $8,509; 2018: $8,452)	916,072	841,730
Regulatory stock, at cost	4,844	3,926
Bank premises and equipment, net	14,228	13,846
Bank owned life insurance	38,763	37,932
Accrued interest receivable	3,719	3,776
Foreclosed real estate owned	1,556	1,115
Goodwill	11,331	11,331
Other intangibles	235	336
Other assets	14,242	8,942
Total Assets	1,230,610	1,184,559
LIABILITIES
Deposits: Noninterest bearing demand	207,299	201,457
Deposits: Interest-bearing demand	99,366	88,917
Deposits: Money market deposit accounts	128,441	137,636
Deposits: Savings	161,705	173,593
Deposits: Time	360,718	345,177
Total deposits	957,529	946,780
Short-term borrowings	62,256	53,046
Other borrowings	56,438	52,284
Accrued interest payable	2,432	1,806
Other liabilities	14,527	8,358
Total Liabilities	1,093,182	1,062,274
STOCKHOLDERS' EQUITY
Preferred stock, no par value, authorized 5,000,000 shares,
Common stock, $.10 par value, authorized: 2019: 20,000,000 shares, 2018: 10,000,000 shares issued: 2019: 6,340,563 shares; 2018: 6,295,113 shares	634	630
Surplus	49,471	48,322
Retained earnings	86,536	78,434
Treasury stock at cost: 2019: 12,007 shares; 2018: 2,470 shares	(400)	(81)
Accumulated other comprehensive income (loss)	1,187	(5,020)
Total Stockholders' Equity	137,428	122,285
Total Liabilities and Stockholders' Equity	$ 1,230,610	$ 1,184,559

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Consolidated Balance Sheets [Abstract]
net of allowance for loan losses	$ 8,509	$ 8,452
Preferred Stock, No Par Value
Preferred Stock, Shares Authorized	5,000,000	5,000,000
Common Stock, Par Value Per Share	$ 0.10	$ 0.10
Common Stock, Shares Authorized	20,000,000	10,000,000
Common Stock, Shares, Issued	6,340,563	6,295,113
Treasury Stock, Shares	12,007	2,470

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
INTEREST INCOME
Loans receivable, including fees	$ 41,889	$ 36,404
Securities: Taxable	3,277	3,573
Securities: Tax exempt	2,037	2,446
Interest-bearing deposits with banks	81	73
Total Interest Income	47,284	42,496
INTEREST EXPENSE
Deposits	7,139	4,644
Short-term borrowings	468	323
Other borrowings	1,071	690
Total Interest Expense	8,678	5,657
Net Interest Income	38,606	36,839
PROVISION FOR LOAN LOSSES	1,250	1,725
Net Interest Income After Provision for Loan Losses	37,356	35,114
OTHER INCOME
Other Income	5,448	5,663
Net realized gains on sales of securities	254	213
Net gain on sale of loans	169	15
Earnings and proceeds on life insurance policies	830	1,126
Other	465	827
Total Other Income	6,778	7,065
OTHER EXPENSES
Salaries and employee benefits	14,655	14,020
Occupancy	2,936	2,889
Furniture and equipment	783	806
Data processing and related operations	1,869	1,427
Federal Deposit Insurance Corporation insurance assessment	153	347
Advertising	267	257
Professional fees	1,113	993
Postage and telephone	834	705
Taxes, other than income	751	572
Foreclosed real estate	45	172
Amortization of intangible assets	101	126
Other	3,804	3,661
Total Other Expenses	27,311	25,975
Income before Income Taxes	16,823	16,204
INCOME TAX EXPENSE	2,608	2,553
Net income	$ 14,215	$ 13,651
BASIC	$ 2.27	$ 2.19
DILUTED	$ 2.25	$ 2.17
Service Charges And Fees [Member]
OTHER INCOME
Other Income	$ 4,450	$ 4,295
Income From Fiduciary Activities [Member]
OTHER INCOME
Other Income	$ 610	$ 589

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 14,215	$ 13,651
Other comprehensive income (loss):
Unrealized gain on pension liability	375	207
Tax Effect	(79)	(43)
Investment securities available for sale:
Unrealized holding gains (losses)	7,736	(2,973)
Tax effect	(1,624)	624
Reclassification of gains from sale of securities	(254)	(213)
Tax effect	53	45
Other comprehensive income (loss)	6,207	(2,353)
Comprehensive Income	$ 20,422	$ 11,298

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Beginning balance at Dec. 31, 2017	$ 626	$ 47,431	$ 70,426	$ (77)	$ (2,667)	$ 115,739
Beginning balance, shares at Dec. 31, 2017	6,256,063			2,608
Net income			13,651			13,651
Other comprehensive income (loss)					(2,353)	(2,353)
Cash dividends declared			(5,643)			(5,643)
Acquisition of treasury stock				$ (194)		(194)
Acquisition of treasury stock, shares				5,921
Stock options exercised	$ 3	449		$ 68		$ 520
Stock options exercised, shares	25,950			2,325		28,275
Sale of treasury stock for ESOP		1		$ 122		$ 123
Sale of treasury stock for ESOP, shares				(3,734)
Compensation expense related to stock options		237				237
Restricted stock awards	$ 1	204				205
Restricted stock awards, shares	13,100
Ending balance, shares at Dec. 31, 2018	6,295,113			2,470
Ending balance at Dec. 31, 2018	$ 630	48,322	78,434	$ (81)	(5,020)	122,285
Net income			14,215			14,215
Other comprehensive income (loss)					6,207	6,207
Cash dividends declared			(6,113)			(6,113)
Acquisition of treasury stock				$ (428)		(428)
Acquisition of treasury stock, shares				12,797
Stock options exercised	$ 3	635				$ 638
Stock options exercised, shares	32,350					32,350
Sale of treasury stock for ESOP		18		$ 109		$ 127
Sale of treasury stock for ESOP, shares				(3,260)
Compensation expense related to stock options		208				208
Restricted stock awards	$ 1	288				289
Restricted stock awards, shares	13,100
Ending balance, shares at Dec. 31, 2019	6,340,563			12,007
Ending balance at Dec. 31, 2019	$ 634	$ 49,471	$ 86,536	$ (400)	$ 1,187	$ 137,428

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Consolidated Statements of Stockholders' Equity [Abstract]
Cash dividends declared	$ 0.97	$ 0.90

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
Consolidated Statements of Cash Flows - USD ($)	Dec. 31, 2019	Dec. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 14,215,000	$ 13,651,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	1,250,000	1,725,000
Depreciation	1,005,000	895,000
Amortization of intangible assets	101,000	126,000
Deferred income taxes	988,000	24,000
Net amortization of securities premiums and discounts	1,448,000	1,711,000
Net realized gains on sales of securities	(254,000)	(213,000)
Earnings and proceeds on life insurance policies	(830,000)	(1,126,000)
(Gain) loss on sales of fixed assets and foreclosed real estate owned	(97,000)	26,000
Net gain on sale of loans	(169,000)	(15,000)
Mortgage loans originated for sale	(4,715,000)	(752,000)
Proceeds from sale of loans originated for sale	4,838,000	767,000
Compensation expense related to stock options	208,000	237,000
Compensation expense related to restricted stock	289,000	205,000
Decrease (increase) in accrued interest receivable	57,000	(60,000)
Increase in accrued interest payable	626,000	372,000
Other, net	(522,000)	(275,000)
Net cash provided by operating activities	18,438,000	17,298,000
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from sales	27,247,000	17,745,000
Proceeds from maturities and principal reductions on mortgage-backed securities	33,656,000	30,873,000
Purchases	(21,543,000)	(15,458,000)
Purchase of regulatory stock	(6,595,000)	(6,155,000)
Redemption of regulatory stock	5,677,000	5,734,000
Net increase in loans	(77,401,000)	(87,480,000)
Purchase of premises and equipment	(1,623,000)	(873,000)
Proceeds from sales of foreclosed real estate owned	556,000	776,000
Proceeds from sales of bank premises and fixed assets	246,000
Net Cash Used for Investing Activities	(39,780,000)	(54,838,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	10,749,000	17,396,000
Net increase in short-term borrowings	9,210,000	10,516,000
Repayments of other borrowings	(26,846,000)	(13,661,000)
Proceeds from other borrowings	31,000,000	30,000,000
Stock options exercised	638,000	520,000
Sale of treasury stock for ESOP	127,000	123,000
Acquisition of treasury stock	(428,000)	(194,000)
Cash dividends paid	(6,041,000)	(5,509,000)
Net Cash Provided by Financing Activities	18,409,000	39,191,000
Net (Decrease) Increase in Cash and Cash Equivalents	(2,933,000)	1,651,000
CASH AND CASH EQUIVALENTS - BEGINNING	18,348,000
CASH AND CASH EQUIVALENTS - ENDING	15,415,000	18,348,000
Supplemental Disclosures of Cash Flow Information
Interest paid	8,052,000	5,285,000
Income taxes paid, net of refunds	2,407,000	2,239,000
Supplemental Schedule of Noncash Investing Activities
Transfers of loans to foreclosed real estate owned and repossession of other assets	1,865,000	553,000
Dividends payable	1,582,000	$ 1,510,000
Right of use for operating leases	5,335,000
Right of use for operating leases	$ 5,335,000

Nature of Operations

Nature of Operations	12 Months Ended
Nature of Operations	Dec. 31, 2019
Nature of Operations [Abstract]
Nature of Operations	NOTE 1 - NATURE OF OPERATIONS Norwood Financial Corp (Company) is a one bank holding company. Wayne Bank (Bank) is a wholly-owned subsidiary of the Company. The Bank is a state-chartered bank headquartered in Honesdale, Pennsylvania. The Company derives substantially all of its income from bank-related services which include interest earnings on commercial mortgages, residential real estate mortgages, commercial and consumer loans, as well as interest earnings on investment securities and fees from deposit services to its customers. The Company is subject to regulation and supervision by the Federal Reserve Board while the Bank is subject to regulation and supervision by the Federal Deposit Insurance Corporation and the Pennsylvania Department of Banking and Securities. Revenue Recognition Under ASC Topic 606, management determined that the primary sources of revenue emanating from interest and dividend income on loans and investments along with noninterest revenue resulting from investment securities gains, loans servicing, gains on loans sold and earnings on bank-owned life insurance are not within the scope of this Topic. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the year ended December 31: (dollars in thousands) 2019 2018 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 301 $ 263 ATM Fees 384 398 Overdraft Fees 1,380 1,505 Safe deposit box rental 94 96 Loan related service fees 614 515 Debit card 1,424 1,330 Fiduciary activities 610 589 Commissions on mutual funds & annuities 141 185 Other income 500 782 Noninterest Income (in-scope of Topic 606) 5,448 5,663 Out-of-scope of Topic 606: Net realized gains on sales of securities 254 213 Loan servicing fees 77 48 Gain on sales of loans 169 15 Earnings on and proceeds from bank-owned life insurance 830 1,126 Noninterest Income (out-of-scope of Topic 606) 1,330 1,402 Total Noninterest Income $ 6,778 $ 7,065

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
Summary of Significant Accounting Policies	Dec. 31, 2019
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	NOTE 2 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank, and the Bank’s wholly-owned subsidiaries, WCB Realty Corp., Norwood Investment Corp., Norwood Settlement Services, LLC and WTRO Properties. In June 2017, the Bank adopted a plan of dissolution for Norwood Settlement Services, LLC. Effective May 29, 2018, the existence of Norwood Settlement Services, LLC, was terminated. All significant intercompany accounts and transactions have been eliminated in consolidation. Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclosure of contingent assets and liabilities, at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of deferred tax assets, the determination of other-than-temporary impairment on securities, the determination of goodwill impairment and the fair value of financial instruments. Significant Group Concentrations of Credit Risk Most of the Company’s activities are with customers located within its markets in Northeastern Pennsylvania and the Southern Tier of New York. Note 3 discusses the types of securities that the Company invests in. Note 4 discusses the types of lending that the Company engages in. The Company does not have any significant concentrations to any one industry or customer. Concentrations of Credit Risk The Bank operates primarily in Wayne, Pike, Lackawanna, Luzerne and Monroe Counties, Pennsylvania and Delaware and Sullivan Counties, New York. Accordingly, the Bank has extended credit primarily to commercial entities and individuals in these areas whose ability to honor their contracts is influenced by the region’s economy. These customers are also the primary depositors of the Bank. The Bank is limited in extending credit by legal lending limits to any single borrower or group of related borrowers. Securities Securities classified as available for sale are those securities that the Company intends to hold for an indefinite period of time but not necessarily to maturity. Any decision to sell a security classified as available for sale would be based on various factors, including significant movement in interest rates, changes in maturity mix of the Company’s assets and liabilities, liquidity needs, regulatory capital considerations and other similar factors. Securities available for sale are carried at fair value. Unrealized gains and losses are reported in other comprehensive income, net of the related deferred tax effect. Realized gains or losses, determined on the basis of the cost of the specific securities sold, are included in earnings. Premiums and discounts are recognized in interest income using a method which approximates the interest method over the term of the security. Bonds, notes and debentures for which the Company has the positive intent and ability to hold to maturity are reported at cost, adjusted for premiums and discounts that are recognized in interest income using the interest method over the term of the security. Management determines the appropriate classification of debt securities at the time of purchase and re-evaluates such designation as of each Consolidated Balance Sheet date. Declines in the fair value of available for sale securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent of the Company to not sell the securities and it is more likely than not that it will not have to sell the securities before recovery of their cost basis. Regulatory Stock The Company, as a member of the Federal Home Loan Bank (FHLB) system is required to maintain an investment in capital stock of its district FHLB according to a predetermined formula. This regulatory stock has no quoted market value and is carried at cost. Management evaluates the regulatory stock for impairment. Management’s determination of whether these investments are impaired is based on their assessment of the ultimate recoverability of their cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of their cost is influenced by criteria such as (1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount for the FHLB and the length of time this situation has persisted, (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB, and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the FHLB. Management considers the FHLB’s regulatory capital ratios, liquidity, and the fact that new shares of FHLB stock continue to change hands at the $100 par value. Management believes no impairment charge is necessary related to FHLB stock as of December 31, 2019. Loans Receivable Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees. Interest income is accrued on the unpaid principal balance. Loan origination fees are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan. The accrual of interest is generally discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in prior years is charged against the allowance for loan losses. Interest received on nonaccrual loans generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Troubled Debt Restructurings A loan is considered to be a troubled debt restructuring (TDR) loan when the Company grants a concession to the borrower because of the borrower’s financial condition that it would not otherwise consider. Such concessions include the reduction of interest rates, forgiveness of principal or interest, or other modifications of interest rates that are less than the current market rate for new obligations with similar risk. Loans Acquired Loans acquired including loans that have evidence of deterioration of credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments receivable, are initially recorded at fair value (as determined by the present value of expected future cash flows) with no valuation allowance. Loans are evaluated individually to determine if there is evidence of deterioration of credit quality since origination. The difference between the undiscounted cash flows expected at acquisition and the investment in the loan, or the “accretable yield,” is recognized as interest income on a level-yield method over the life of the loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” are not recognized as a yield adjustment or as a loss accrual or a valuation allowance. Increases in expected cash flows subsequent to the initial investment are recognized prospectively through adjustment of the yield on the loan over its remaining estimated life. Decreases in expected cash flows are recognized immediately as impairment. Any valuation allowances on these impaired loans reflect only losses incurred after the acquisition. For purchased loans acquired that are not deemed impaired at acquisition, credit discounts representing the principal losses expected over the life of the loan are a component of the initial fair value. Loans may be aggregated and accounted for as a pool of loans if the loans being aggregated have common risk characteristics. Subsequent to the purchase date, the methods utilized to estimate the required allowance for credit losses for these loans is similar to originated loans; however, the Company records a provision for loan losses only when the required allowance exceeds any remaining credit discounts. The remaining differences between the purchase price and the unpaid principal balance at the date of acquisition are recorded in interest income over the life of the loans. Mortgage Servicing Rights Servicing assets are recognized as separate assets when rights are acquired through purchase or through the sale of financial assets. Capitalized servicing rights are reported in other assets and are amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon a third party appraisal. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Impairment is recognized through a valuation allowance to the extent that fair value is less than the capitalized amount. The Company’s loan servicing assets at December 31, 2019 and 2018, respectively, were no t impaired. Total servicing assets included in other assets as of December 31, 2019 and 2018, were $187,000 and $178,000 , respectively. Allowance for Loan Losses The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management’s periodic evaluation of the adequacy of the allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. The allowance consists of specific and general components. The specific component relates to loans that are classified as substandard. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential real estate loans for impairment disclosures, unless such loans were acquired with impairment or are the subject of a restructuring agreement. Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation expense is calculated principally on the straight-line method over the respective assets estimated useful lives as follows: Years Buildings and improvements 10 - 40 Furniture and equipment 3 - 10 Leases The Company applies a right-of-use (ROU) model that requires a lessee to record, for all leases with a lease term of more than 12 months, an asset representing its right to use the underlying asset and a liability to make lease payments. For leases with a term of 12 months or less, a practical expedient is available whereby a lessee may elect, by class of underlying asset, not to recognize an ROU asset or lease liability. At inception, lessees must classify all leases as either finance or operating based on five criteria. Balance sheet recognition of finance and operating leases is similar, but the pattern of expense recognition in the income statement, as well as the effect on the statement of cash flows, differs depend ing on the lease classification. See Note 8 for related disclosures. Transfers of Financial Assets Transfers of financial assets, including loan and loan participation sales, are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets. Foreclosed Real Estate Real estate properties acquired through, or in lieu of, loan foreclosure are to be sold and are initially recorded at fair value less cost to sell at the date of foreclosure establishing a new cost basis. After foreclosure, valuations are periodically performed by management and the real estate is carried at the lower of its carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other expenses. Bank Owned Life Insurance The Company invests in bank owned life insurance (BOLI) as a source of funding for employee benefit expenses. BOLI involves the purchasing of life insurance by the Bank on a select group of employees. The Company is the owner and beneficiary of the policies. This life insurance investment is carried at the cash surrender value of the underlying policies. Income from the increase in cash surrender value of the policies or from death benefits realized is included in other income on the Consolidated Statements of Income. Goodwill In connection with two acquisitions the Company recorded goodwill in the amount of $11.3 million, representing the excess of amounts paid over the fair value of net assets of the institutions acquired. Goodwill is tested and deemed impaired when the carrying value of goodwill exceeds its implied fair value. The value of the goodwill can change in the future. We expect the value of the goodwill to decrease if there is a significant decrease in the franchise value of the Bank. If an impairment loss is determined in the future, we will reflect the loss as an expense for the period in which the impairment is determined, leading to a reduction of our net income for that period by the amount of the impairment loss. No impairment was recognized for the years ended December 31, 2019 and 2018. Other Intangible Assets At December 31, 2019, the Company had other intangible assets of $235,000, which is net of accumulated amortization of $1,110,000 . These intangible assets will continue to be amortized using the sum-of-the-years digits method of amortization over ten years. At December 31, 2018, the Company had other intangible assets of $336,000 which was net of accumulated amortization of $1,008,000 . Amortization expense related to other intangible assets was $101,000 and $126,000 for the years ended December 31, 2019 and 2018, respectively. As of December 31, 2019, the estimated future amortization expense for the core deposit intangible is as follows (in thousands): 2020 $ 77 2021 52 2022 38 2023 29 2024 21 Thereafter 18 $ 235 Income Taxes Deferred income tax assets and liabilities are determined based on the differences between financial statement carrying amounts and the tax basis of existing assets and liabilities. These differences are measured at the enacted tax rates that will be in effect when these differences reverse. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of the deferred tax assets will not be realized. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. The Company and its subsidiary file a consolidated federal income tax return. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company analyzes each tax position taken in its tax returns and determines the likelihood that the position will be realized. Only tax positions that are “more-likely-than-not” to be realized can be recognized in an entity’s financial statements. For tax positions that do not meet this recognition threshold, an entity will record an unrecognized tax benefit for the difference between the position taken on the tax return and the amount recognized in the financial statements. The Company does not have any unrecognized tax benefits at December 31, 2019 or 2018, or during the years then ended. No unrecognized tax benefits are expected to arise within the next twelve months. Advertising Costs Advertising costs are expensed as incurred. Earnings per Share Basic earnings per share represents income available to common stockholders divided by the weighted average number of common shares outstanding during the period less any unvested restricted shares. Diluted earnings per share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method. Treasury shares are not deemed outstanding for earnings per share calculations. Employee Benefit Plans The Company has a defined contributory profit-sharing plan which includes provisions of a 401(k) plan. The Company’s contributions are expensed as the cost is incurred. The Company has several supplemental executive retirement plans. To fund the benefits under these plans, the Company is the owner of single premium life insurance policies on the participants. The Company provides pension benefits to eligible employees. The Company’s funding policy is to contribute at least the minimum required contributions annually. Stock Option Plans The Company recognizes the value of share-based payment transactions as compensation costs in the financial statements over the period that an employee provides service in exchange for the award. The fair value of the share-based payments for stock options is estimated using the Black-Scholes option-pricing model. The Company used the modified-prospective transition method to record compensation expense. Under the modified-prospective method, companies are required to record compensation cost for new and modified awards over the related vesting period of such awards and record compensation cost prospectively for the unvested portion, at the date of adoption, of previously issued and outstanding awards over the remaining vesting period of such awards. No change to prior periods presented is permitted under the modified-prospective method. Restricted Stock The Company recognizes compensation cost related to restricted stock based on the market price of the stock at the grant date over the vesting period. The product of the number of shares granted and the grant date market price of the Company’s common stock determines the fair value of restricted stock under the Company’s 2014 Equity Incentive Plan. The Company recognizes compensation expense for the fair value of the restricted stock on a straight-line basis over the requisite service period for the entire award. Cash Flow Information For the purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing deposits with banks and federal funds sold. Off-Balance Sheet Financial Instruments In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit, letters of credit and commitments to sell loans. Such financial instruments are recorded on the balance sheets when they become receivable or payable. Trust Assets Assets held by the Company in a fiduciary capacity for customers are not included in the financial statements since such items are not assets of the Company. Trust income is reported on the accrual method. Treasury Stock Common shares repurchased are recorded as treasury stock at cost. Comprehensive Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and defined benefit pension obligations, are reported as a separate component of the equity section of the balance sheet. Such items, along with net income, are components of comprehensive income as presented in the Consolidated Statement of Comprehensive Income. Segment Reporting The Company acts as an independent community financial services provider and offers traditional banking related financial services to individual, business and government customers. Through its Community Office and automated teller machine network, the Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of safe deposit services. The Company also performs personal, corporate, pension and fiduciary services through its Trust Department. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial, retail, mortgage banking and trust operations of the Company. As such, discrete information is not available and segment reporting would not be meaningful. Reclassification of Comparative Amounts Certain comparative amounts for the prior year have been reclassified to conform to current-year classifications. Such reclassifications had no material effect on net income or stockholders’ equity. New and Recently Adopted Accounting Pronouncements Recently Adopted Accounting Pronouncements In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this Update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. Upon adoption on January 1, 2018, we have included the related new disclosure requirements in Note 1 . In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet. A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term. A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise. For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis. For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within those years. For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and for interim periods within fiscal years beginning after December 15, 2020. The amendments should be applied at the beginning of the earliest period presented using a modified retrospective approach with earlier application permitted as of the beginning of an interim or annual reporting period. Upon adoption of ASU 2016-02 on January 1, 2019, we recorded right-of-use assets and related lease liabilities totaling $5.3 million each, which are recorded in other assets and other liabilities, respectively. New Accounting Pronouncements Not Yet Adopted In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments , which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations. The underlying premise of the Update is that financial assets measured at amortized cost should be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management’s current estimate of credit losses that are expected to occur over the remaining life of a financial asset. The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) . This Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers, and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated financial statements. In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment . To simplify the subsequent measurement of goodwill, the FASB eliminated Step 2 from the goodwill impairment test. In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination. Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting units fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2020. All other entities, including not-for-profit entities, that are adopting the amendments in this Update should do so for their annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2021. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) , which deferred the effective date for ASC 350, Intangibles – Goodwill and Other , for smaller reporting companies to fiscal years beginning after December 15, 2022, and interim periods within those fiscal years. This Update is not expected to have a significant impact on the Company’s financial statements. In February 2017, the FASB issued ASU 2017-06 , Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), and Health and Welfare Benefit Plans (Topic 965) . This Update relates primarily to the reporting by an employee benefit plan for its interest in a master trust, which is a trust for which a regulated financial institution serves as a trustee or custodian and in which assets of more than one plan sponsored by a single employer or by a group of employers under common control are held. For each master trust in which a plan holds an interest, the amendments in this Update require a plan’s interest in that master trust and any change in that interest to be presented in separate line items in the statement of net assets available for benefits and in the statement of changes in net assets available for benefits,

Securities

Securities	12 Months Ended
Securities	Dec. 31, 2019
Securities [Abstract]
Securities	NOTE 3 - SECURITIES The amortized cost, gross unrealized gains and losses, and fair value of securities were as follows: December 31, 2019 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE FOR SALE: States and political subdivisions $ 70,015 $ 1,293 $ (3) $ 71,305 Corporate obligations 4,097 3 - 4,100 Mortgage-backed securities- government sponsored entities 135,646 238 (1,084) 134,800 Total debt securities $ 209,758 $ 1,534 $ (1,087) $ 210,205 December 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE FOR SALE: States and political subdivisions $ 99,218 $ 385 $ (1,990) $ 97,613 Corporate obligations 8,896 - (256) 8,640 Mortgage-backed securities- government sponsored entities 142,197 25 (5,198) 137,024 Total debt securities $ 250,311 $ 410 $ (7,444) $ 243,277 The following tables show the Company’s investments’ gross unrealized losses and fair value aggregated by security type and length of time that individual securities have been in a continuous unrealized loss position (in thousands): December 31, 2019 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses States and political subdivisions $ 1,296 $ (2) $ 481 $ (1) $ 1,777 $ (3) Mortgage-backed securities-government sponsored entities 32,415 (241) 61,096 (843) 93,511 (1,084) $ 33,711 $ (243) $ 61,577 $ (844) $ 95,288 $ (1,087) December 31, 2018 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses States and political subdivisions $ 19,140 $ (390) $ 56,740 $ (1,600) $ 75,880 $ (1,990) Corporate obligations 2,045 (21) 6,595 (235) 8,640 (256) Mortgage-backed securities-government sponsored entities 8,444 (22) 122,950 (5,176) 131,394 (5,198) $ 29,629 $ (433) $ 186,285 $ (7,011) $ 215,914 $ (7,444) The Company has 33 debt securities in the less than twelve month category and 57 debt securities in the twelve months or more category as of December 31, 2019. In management’s opinion, the unrealized losses on securities reflect changes in interest rates subsequent to the acquisition of specific securities. No other-than-temporary-impairment charges were recorded in 2019. Management believes that all other unrealized losses represent temporary impairment of the securities, and it is more likely than not that it will not have to sell the securities before recovery of their cost basis. The amortized cost and fair value of debt securities as of December 31, 2019 by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to prepay obligations with or without call or prepayment penalties. Amortized Fair Cost Value (In Thousands) Due in one year or less $ 4,252 $ 4,264 Due after one year through five years 14,048 14,087 Due after five years through ten years 28,259 28,413 Due after ten years 27,553 28,641 74,112 75,405 Mortgage-backed securities - government sponsored entities 135,646 134,800 $ 209,758 $ 210,205 Gross realized gains and gross realized losses on sales of securities available for sale were $254,000 and $0 , respectively, in 2019, compared to $213,000 and $0 , respectively, in 2018. The proceeds from the sales of securities totaled $27,247,000 and $17,745,000 for the years ended December 31, 2019 and 2018, respectively. Securities with a carrying value of $157,233,000 and $193,918,000 at December 31, 2019 and 2018, respectively, were pledged to secure public deposits, securities sold under agreements to repurchase and for other purposes as required or permitted by law.

Loans Receivable and Allowance

Loans Receivable and Allowance for Loan Losses	12 Months Ended
Loans Receivable and Allowance for Loan Losses	Dec. 31, 2019
Loans Receivable and Allowance for Loan Losses [Abstract]
Loans Receivable and Allowance for Loan Losses	NOTE 4 - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Set forth below is selected data relating to the composition of the loan portfolio (in thousands): December 31, 2019 December 31, 2018 Real Estate: Residential $ 229,781 24.9 % $ 235,523 27.7 % Commercial 391,327 42.3 374,790 44.1 Construction 17,732 1.9 17,445 2.0 Commercial, financial and agricultural 134,150 14.5 110,542 13.0 Consumer loans to individuals 151,686 16.4 112,002 13.2 Total loans 924,676 100.0 % 850,302 100.0 % Deferred fees, net (95) (120) Total loans receivable 924,581 850,182 Allowance for loan losses (8,509) (8,452) Net loans receivable $ 916,072 $ 841,730 Changes in the accretable yield for purchased credit-impaired loans were as follows for the twelve months ended December 31: (In thousands) 2019 2018 Balance at beginning of period $ 29 $ 108 Additions - - Accretion (29) (56) Reclassification and other - (23) Balance at end of period $ - $ 29 The following table presents additional information regarding loans acquired and accounted for in accordance with ASC 310-30 (in thousands): December 31, 2019 December 31, 2018 Outstanding Balance $ 793 $ 1,055 Carrying Amount $ 696 $ 886 There were no material increases or decreases in the expected cash flows of these loans since the acquisition date. There has been no allowance for loan losses recorded for acquired loans with specific evidence of deterioration in credit quality. As of December 31, 2019, for loans that were acquired prior to 2019 with or without specific evidence of deterioration in credit quality, adjustments to the allowance for loan losses have been accounted for through the allowance for loan loss adequacy calculation. The Company maintains a loan review system, which allows for a periodic review of our loan portfolio and the early identification of potential impaired loans. The system takes into consideration, among other things, delinquency status, size of loans, type and market value of collateral and financial condition of the borrowers. Specific loan loss allowances are established for identified losses based on a review of such information. A loan evaluated for impairment is considered to be impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. All loans identified as impaired are evaluated independently. The Company does not aggregate such loans for evaluation purposes. Impairment is measured on a loan-by-loan basis for commercial and construction loans by the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral-dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential mortgage loans for impairment disclosures, unless such loans are part of a larger relationship that is impaired, or are classified as a troubled debt restructuring. The following tables show the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated: Real Estate Loans Commercial Consumer Residential Commercial Construction Loans Loans Total (In thousands) December 31, 2019 Individually evaluated for impairment $ - $ 2,144 $ - $ - $ - $ 2,144 Loans acquired with deteriorated credit quality 476 220 - - - 696 Collectively evaluated for impairment 229,305 388,963 17,732 134,150 151,686 921,836 Total Loans $ 229,781 $ 391,327 $ 17,732 $ 134,150 $ 151,686 $ 924,676 Real Estate Loans Commercial Consumer Residential Commercial Construction Loans Loans Total (In thousands) December 31, 2018 Individually evaluated for impairment $ - $ 1,319 $ - $ - $ - $ 1,319 Loans acquired with deteriorated credit quality 630 256 - - - 886 Collectively evaluated for impairment 234,893 373,215 17,445 110,542 112,002 848,097 Total Loans $ 235,523 $ 374,790 $ 17,445 $ 110,542 $ 112,002 $ 850,302 The following table includes the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable. Unpaid Principal Recorded Principal Associated Investment Balance Allowance December 31, 2019 (in thousands) With no related allowance recorded: Real Estate Loans Commercial $ 143 $ 394 $ - Subtotal 143 394 - With an allowance recorded: Real Estate Loans Commercial 2,001 2,001 417 Subtotal 2,001 2,001 417 Total: Real Estate Loans Commercial 2,144 2,395 417 Total Impaired Loans $ 2,144 $ 2,395 $ 417 Unpaid Recorded Principal Associated Investment Balance Allowance December 31, 2018 (In thousands) With no related allowance recorded: Real Estate Loans Commercial $ 1,319 $ 1,747 $ - Subtotal 1,319 1,747 - Total: Real Estate Loans Commercial 1,319 1,747 - Total Impaired Loans $ 1,319 $ 1,747 $ - The following information for impaired loans is presented for the years ended December 31, 2019 and 2018: Average Recorded Average Recorded Interest Income Investment Recognized 2019 2018 2019 2018 (In thousands) Total: Real Estate Loans Commercial $ 1,036 $ 1,220 $ 233 $ 67 Total Loans $ 1,036 $ 1,220 $ 233 $ 67 Troubled debt restructured loans are those loans whose terms have been renegotiated to provide a reduction or deferral of principal or interest as a result of financial difficulties experienced by the borrower, who could not obtain comparable terms from alternate financing sources. As of December 31, 2019, troubled debt restructured loans totaled $99,000 and did not require a specific reserve. During 2019, there were no new loan relationships identified as troubled debt restructurings, while one loan identified as a troubled debt restructuring with a balance of $977,000 as of December 31, 2018 was transferred to foreclosed real estate during 2019. During 2019, there was a charge-off in the amount of $451,000 on loans classified as troubled debt restructurings. As of December 31, 2018, troubled debt restructured loans totaled $1.1 million and resulted in specific reserves of $0 . During 2018, there were no new loan relationships identified as troubled debt restructurings, while one loan identified as a troubled debt restructuring with a balance of $23,000 as of December 31, 2017 was paid in full during 2018. During 2018, there were no charge-offs on loans classified as troubled debt restructurings. Foreclosed assets acquired in settlement of loans are carried at fair value less estimated costs to sell and are included in foreclosed real estate owned on the Consolidated Balance Sheets. As of December 31, 2019 and 2018, foreclosed real estate owned totaled $1,556,000 and $1,115,000 , respectively. As of December 31, 2019, included within foreclosed real estate owned are two commercial properties that were foreclosed on or received via a deed in lieu. As of December 31, 2019, the Company has initiated formal foreclosure proceedings on three consumer residential mortgage loans with an outstanding balance of $299,000 . Management uses an eight point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first four categories are considered not criticized, and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. Loans greater than 90 days past due are considered Substandard unless full payment is expected. Any portion of a loan that has been charged off is placed in the Loss category. To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process with several layers of internal and external oversight. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as nonperformance, repossession, or death occurs to raise awareness of a possible credit event. The Company’s Loan Review Department is responsible for the timely and accurate risk rating of the loans on an ongoing basis. Every credit which must be approved by Loan Committee or the Board of Directors is assigned a risk rating at time of consideration. Loan Review also annually reviews relationships of $1,500,000 and over to assign or re-affirm risk ratings. Loans in the Substandard categories that are collectively evaluated for impairment are given separate consideration in the determination of the allowance. The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard, Doubtful and Loss within the internal risk rating system as of December 31, 2019 and December 31, 2018 (in thousands): Special Pass Mention Substandard Doubtful Loss Total December 31, 2019 Commercial real estate loans $ 376,109 $ 12,268 $ 2,950 $ - $ - $ 391,327 Commercial 133,695 248 207 - - 134,150 Total $ 509,804 $ 12,516 $ 3,157 $ - $ - $ 525,477 Special Pass Mention Substandard Doubtful Loss Total December 31, 2018 Commercial real estate loans $ 360,838 $ 7,918 $ 6,034 $ - $ - $ 374,790 Commercial 109,966 82 494 - - 110,542 Total $ 470,804 $ 8,000 $ 6,528 $ - $ - $ 485,332 For residential real estate loans, construction loans and consumer loans, the Company evaluates credit quality based on the performance of the individual credits. Nonperforming loans include loans that have been placed on nonaccrual status and loans remaining in accrual status on which the contractual payment of principal and interest has become 90 days past due. The following table presents the recorded investment in the loan classes based on payment activity as of December 31, 2019 and December 31, 2018 (in thousands): Performing Nonperforming Total December 31, 2019 Residential real estate loans $ 229,214 $ 567 $ 229,781 Construction 17,732 - 17,732 Consumer loans to individuals 151,607 79 151,686 Total $ 398,553 $ 646 $ 399,199 Performing Nonperforming Total December 31, 2018 Residential real estate loans $ 234,725 $ 798 $ 235,523 Construction 17,445 - 17,445 Consumer loans to individuals 112,002 - 112,002 Total $ 364,172 $ 798 $ 364,970 Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans as of December 31, 2019 and December 31, 2018 (in thousands): Current 31-60 Days Past Due 61-90 Days Past Due Greater than 90 Days Past Due and still accruing Non-Accrual Total Past Due and Non-Accrual Total Loans December 31, 2019 Real Estate loans Residential $ 228,242 $ 727 $ 245 $ - $ 567 $ 1,539 $ 229,781 Commercial 388,117 176 2,935 - 99 3,210 391,327 Construction 17,695 - 37 - - 37 17,732 Commercial loans 134,018 82 - - 50 132 134,150 Consumer loans 151,309 233 65 - 79 377 151,686 Total $ 919,381 $ 1,218 $ 3,282 $ - $ 795 $ 5,295 $ 924,676 Current 31-60 Days Past Due 61-90 Days Past Due Greater than 90 Days Past Due and still accruing Non-Accrual Total Past Due and Non-Accrual Total Loans December 31, 2018 Real Estate loans Residential $ 234,201 $ 373 $ 151 $ - $ 798 $ 1,322 $ 235,523 Commercial 372,617 1,043 788 - 342 2,173 374,790 Construction 17,445 - - - - - 17,445 Commercial loans 110,191 320 31 - - 351 110,542 Consumer loans 111,796 171 35 - - 206 112,002 Total $ 846,250 $ 1,907 $ 1,005 $ - $ 1,140 $ 4,052 $ 850,302 The following table presents the allowance for loan losses by the classes of the loan portfolio: (In thousands) Residential Real Estate Commercial Real Estate Construction Commercial Consumer Total Beginning balance, December 31, 2018 $ 1,328 $ 5,455 $ 93 $ 712 $ 864 $ 8,452 Charge Offs (102) (627) - (284) (420) (1,433) Recoveries 24 125 - 48 43 240 Provision for loan losses 302 (266) 2 473 739 1,250 Ending balance, December 31, 2019 $ 1,552 $ 4,687 $ 95 $ 949 $ 1,226 $ 8,509 Ending balance individually evaluated for impairment $ - $ 417 $ - $ - $ - $ 417 Ending balance collectively evaluated for impairment $ 1,552 $ 4,270 $ 95 $ 949 $ 1,226 $ 8,092 (In thousands) Residential Real Estate Commercial Real Estate Construction Commercial Consumer Total Beginning balance, December 31, 2017 $ 1,272 $ 5,265 $ 90 $ 463 $ 544 $ 7,634 Charge Offs (197) (283) - (246) (263) (989) Recoveries 9 33 - 8 32 82 Provision for loan losses 244 440 3 487 551 1,725 Ending balance, December 31, 2018 $ 1,328 $ 5,455 $ 93 $ 712 $ 864 $ 8,452 Ending balance individually evaluated for impairment $ - $ - $ - $ - $ - $ - Ending balance collectively evaluated for impairment $ 1,328 $ 5,455 $ 93 $ 712 $ 864 $ 8,452 During the period ended December 31, 2019, the allowance for loan losses increased from $8,452,000 to $8,509,000 . This $57,000 increase in the required allowance was due primarily to a $417,000 specific reserve for impaired loans and a $447,000 increase in the qualitative factor related to economic conditions. This increase was partially offset by a reduction in the historical loss factor from 0.26% at December 31, 2018 to 0.15% on December 31, 2019. During the period ended December 31, 2018, the allowance for loan losses increased from $7,634,000 to $8,452,000 . This $818,000 increase in the required allowance was due primarily to an $86.1 million increase in loan balances and an additional qualitative factor to allocate reserves for potential risk in large balance loans. This increase was partially offset by a reduction in the historical loss factor from 0.41% at December 31, 2017 to 0.26% on December 31, 2018. Interest income that would have been recorded on loans accounted for on a non-accrual basis under the original terms of the loans was $101,000 and $98,000 for 2019 and 2018, respectively. As of December 31, 2019 and 2018, the Company considered its concentration of credit risk to be acceptable. As of December 31, 2019, the highest concentrations are in commercial rentals and the hospitality lodging industry, with loans outstanding of $84.6 million, or 65.0% of bank capital, to commercial rentals, and $64.6 million, or 49.6% of bank capital to the hospitality lodging industry. There were no charge-offs on loans within these concentrations for the years ended December 31, 2019 and 2018, respectively. During 2019, the Company sold residential mortgage loans totaling $4,715,000 . During 2018, the Company sold residential mortgage loans totaling $752,000 . Gross realized gains and gross realized losses on sales of residential mortgage loans were $123,000 and $0 , respectively, in 2019 and $15,000 and $0 , respectively, in 2018. The proceeds from the sales of residential mortgage loans totaled $4,838,000 and $767,000 for the years ended December 31, 2019 and 2018, respectively. As of December 31, 2019 and 2018, the outstanding value of loans serviced for others totaled $28 .5 million and $ 26.8 million, respectively.

Premises and Equipment

Premises and Equipment	12 Months Ended
Premises and Equipment	Dec. 31, 2019
Premises and Equipment [Abstract]
Premises and Equipment	NOTE 5 - PREMISES AND EQUIPMENT Components of premises and equipment at December 31 are as follows: 2019 2018 (In Thousands) Land and improvements $ 2,806 $ 2,832 Buildings and improvements 17,914 17,788 Furniture and equipment 8,164 7,171 28,884 27,791 Accumulated depreciation (14,656) (13,945) $ 14,228 $ 13,846 Depreciation expense totaled $1,005,000 and $895,000 for the years ended December 31, 2019 and 2018, respectively.

Deposits

Deposits	12 Months Ended
Deposits	Dec. 31, 2019
Deposits [Abstract]
Deposits	NOTE 6 - DEPOSITS Aggregate time deposits in denominations of $250,000 or greater were $137,108,000 and $116,147,000 at December 31, 2019 and 2018, respectively. At December 31, 2019, the scheduled maturities of time deposits are as follows (in thousands): 2020 $ 258,645 2021 38,394 2022 26,580 2023 24,162 2024 12,937 $ 360,718

Borrowings

Borrowings	12 Months Ended
Borrowings	Dec. 31, 2019
Borrowings [Abstract]
Borrowings	NOTE 7 – BORROWINGS Short-term borrowings at December 31 consist of the following: 2019 2018 (In Thousands) Securities sold under agreements to repurchase $ 30,505 $ 37,457 Federal Home Loan Bank short-term borrowings 31,751 15,589 $ 62,256 $ 53,046 The outstanding balances and related information of short-term borrowings are summarized as follows: Years Ended December 31, 2019 2018 (Dollars In Thousands) Average balance during the year $ 48,945 $ 41,963 Average interest rate during the year 0.96 % 0.77 % Maximum month-end balance during the year $ 62,256 $ 53,046 Weighted average interest rate at the end of the year 1.30 % 1.27 % Securities sold under agreements to repurchase generally mature within one day to one year from the transaction date. Securities with an amortized cost and fair value of $36,313,000 and $36,195,000 at December 31, 2019 and $41,587,000 and $40,161,000 at December 31, 2018, respectively, were pledged as collateral for these agreements. The securities underlying the agreements were under the Company’s control. The collateral pledged for repurchase agreements that are classified as secured borrowings is summarized as follows (in thousands): As of December 31, 2019 Remaining Contractual Maturity of the Agreements Overnight and continuous Up to 30 days 30-90 days Greater than 90 days Total Repurchase Agreements: Mortgage-backed securities - government sponsored entities $36,195 $ - $ - $ - $36,195 Total liability recognized for repurchase agreements $30,505 As of December 31, 2018 Remaining Contractual Maturity of the Agreements Overnight and continuous Up to 30 days 30-90 days Greater than 90 days Total Repurchase Agreements: Mortgage-backed securities - government sponsored entities $40,161 $ - $ - $ - $40,161 Total liability recognized for repurchase agreements $37,457 The Company has a line of credit commitment available from the FHLB of Pittsburgh for borrowings of up to $150,000,000 , which renews annually in June. At December 31, 2019, there were $ 31,751,000 of borrowings outstanding on this line. There were $15,589,000 of borrowings outstanding on this line of credit at December 31, 2018. The Company has a line of credit commitment available from Atlantic Community Bankers Bank for $7,000,000, which expires on June 30, 2020. There were no borrowings under this line of credit at December 31, 2019 and 2018. The Company has a line of credit commitment available from PNC Bank for $16,000,000 at December 31, 2019. There were no borrowings under this line of credit at December 31, 2019 and December 31, 2018. The Company also has a line of credit commitment from Zions Bank for $17,000,000 . There were no borrowings under this line of credit at December 31, 2019 and December 31, 2018. Other borrowings consisted of the following at December 31, 2019 and 2018: 2019 2018 (In Thousands) Amortizing fixed rate borrowing due January 2019 at 1.39% $ - $ 423 Fixed rate term borrowing due August 2019 at 1.61% - 10,000 Fixed rate term borrowing due May 2020 at 1.85% 5,000 - Amortizing fixed rate borrowing due June 2020 at 1.49% 1,034 3,079 Amortizing fixed rate borrowing due July 2020 at 2.77% 2,974 7,962 Amortizing fixed rate borrowing due December 2020 at 1.71% 2,538 5,000 Amortizing fixed rate borrowing due December 2020 at 3.06% 1,034 2,051 Amortizing fixed rate borrowing due March 2022 at 1.75% 2,009 2,877 Amortizing fixed rate borrowing due August 2022 at 1.94% 5,351 - Amortizing fixed rate borrowing due October 2022 at 1.88% 4,626 6,200 Amortizing fixed rate borrowing due October 2023 at 3.24% 7,809 9,692 Amortizing fixed rate borrowing due December 2023 at 3.22% 4,063 5,000 Fixed rate term borrowing due December 2023 at 1.95% 10,000 - Amortizing fixed rate borrowing due December 2023 at 1.73% 10,000 - $ 56,438 $ 52,284 Contractual maturities and scheduled cash flows of other borrowings at December 31, 2019 are as follows (in thousands): 2020 $ 22,435 2021 10,080 2022 8,654 2023 15,269 $ 56,438 The Bank’s maximum borrowing capacity with the FHLB was $425,226,000 of which $88,189,000 was outstanding in the form of advances and $56 ,000,000 was outstanding in the form of letters of credit at December 31, 2019. Advances from the FHLB are secured by qualifying assets of the Bank.

Operating Leases

Operating Leases	12 Months Ended
Operating Leases	Dec. 31, 2019
Operating Leases [Abstract]
Operating Leases	NOTE 8 – OPERATING LEASES Due to the adoption of ASU 2016-02, Leases (Topic 842), the Co mpany completed a comprehensive review and analysis of all its property contracts. As a result of this review, it was determined that the Company leases seven office locations under operating leases. Several assumptions and judgments were made when applying the requirements of Topic 842 to the Company’s existing lease commitments, including the allocation of consideration in the contracts between lease and nonlease components, determination of the lease term, and determination of the discount rate used in calculating the present value of the lease payments. The Company has elected to account for the variable nonlease components, such as common area maintenance charges, utilities, real estate taxes, and insurance, separately from the lease component. Such variable nonlease components are reported in net occupance expense on the Consolidated Statements of Income when paid. These variable nonlease components were excluded from the calculation of the present value of the remaining lease payments, therefore, they are not included in other assets and other liabilities on the Consolidated Balance Sheets. The lease cost associated with the operating leases for the year ended December 31, 2019 amounted to $518,000 . Certain of the Company’s leases contain options to renew the lease after the initial term. Management considers the Company’s historical pattern of exercising renewal options on leases and the positive performance of the leased locations, when determining whether it is reasonably certain that the leases will be renewed. If management concludes that there is reasonable certainty about the renewal option, it is included in the calculation of the remaining term of each applicable lease. The discount rate utilized in calculating the present value of the remaining lease payments for each lease was the Federal Home Loan Bank of Pittsburgh advance rate corresponding to the remaining maturity of the lease as of January 1, 2019. The following table presents the weighted-average remaining lease term and discount rate for the leases outstanding at December 31, 2019. Operating Weighted-average remaining term 13.2 Weighted-average discount rate 3.21% The following table presents the undiscounted cash flows due related to operating leases as of December 31, 2019, along with a reconciliation to the discounted amount recorded on the Consolidated Balance Sheets: Undiscounted cash flows due (in thousands) Operating 2020 $ 535 2021 535 2022 535 2023 535 2024 544 2025 and thereafter 3,879 Total undiscounted cash flows 6,563 Discount on cash flows (1,247) Total lease liabilities $ 5,316 Under Topic 842, the lessee can elect to not record on the Consolidated Balance Sheets a lease whose term is twelve months or less and does not include a purchase option that the lessee is reasonably certain to exercise. As of December 31, 2019, the Company had no leases that had a term of twelve months or less. Certain facilities are leased under various operating leases. Rental expense for these leases was $518,000 and $470,000 , respectively, for the years ended December 31, 2019 and 2018.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
Employee Benefit Plans	Dec. 31, 2019
Employee Benefit Plans [Abstract]
Employee Benefit Plans	NOTE 9 – EMPLOYEE BENEFIT PLANS The Company has a defined contributory profit-sharing plan which includes provisions of a 401(k) plan. The plan permits employees to make pre-tax contributions of up to 15% of the employee’s compensation, not to exceed the limits set by the Internal Revenue Service. The amount of contributions to the plan, including matching contributions, is at the discretion of the Board of Directors. All employees over the age of 21 are eligible to participate in the plan and receive Company contributions after one year of employment. Eligible employees are able to contribute to the Plan at the beginning of the first quarterly period after their date of employment. Employee contributions vest immediately, and any Company contributions are fully vested after five years. The Company’s contributions are expensed as the cost is incurred, funded currently, and amounted to $730,000 and $738,000 for the years ended December 31, 2019 and 2018, respectively. The Company has several non-qualified supplemental executive retirement plans for the benefit of certain executive officers and former officers. At December 31, 2019 and 2018, other liabilities include $3,428,000 and $3,362,000 accrued under the Plan. Compensation expense includes approximately $491,000 and $434,000 relating to the supplemental executive retirement plan for 2019 and 2018, respectively. To fund the benefits under this plan, the Company is the owner of single premium life insurance policies on participants in the non-qualified retirement plan. At December 31, 2019 and 2018, the cash value of these policies was $38,763,000 and $37,932,000 , respectively. The Company provides postretirement benefits in the form of split-dollar life arrangements to employees who meet the eligibility requirements. The net periodic postretirement benefit expense included in salaries and employee benefits was $101,000 and $149,000 for the years ended December 31, 2019 and 2018, respectively. FASB authoritative guidance on accounting for deferred compensation and postretirement benefit aspects of endorsement split-dollar life insurance arrangements requires the recognition of a liability and related compensation expense for endorsement split-dollar life insurance that provides a benefit to an employee that extends to postretirement periods. The life insurance policies purchased for the purpose of providing such benefits do not effectively settle an entity’s obligation to the employee. Accordingly, the entity must recognize a liability and related compensation expense during the employee’s active service period based on the future cost of insurance to be incurred during the employee’s retirement. This expense is included in the SERP plan expense for 2018 discussed above. If the entity has agreed to provide the employee with a death benefit, then the liability for the future death benefit should be recognized by following the FASB authoritative guidance on employer’s accounting for postretirement benefits other than pensions. The accumulated postretirement benefit obligation was $1,392,000 and $1,291,000 at December 31, 2019 and 2018, respectively. Through its acquisition of Delaware, the Company also has certain director fee deferral and continuation plans. These plans allowed directors to defer director fees and provide a benefit payment for a period of five to fifteen years. The Company expensed $3,000 and $6,000 under these plans in 2019 and 2018, respectively. At December 31, 2019 and 2018, the liability under these plans was $166,000 and $249,000 , respectively. Certain key executives have change in control agreements with the Company. These agreements provide certain potential benefits in the event of termination of employment following a change in control. The Company participates in the Pentegra Mulitemployer Defined Benefit Pension Plan (EIN 13-5645888 and Plan # 333) as a result of its acquisition of North Penn. As of December 31, 2019 and 2018, the Company’s Plan was 95.0% and 91.4% funded, respectively, and total contributions made are not more than 5% of the total contributions to the Plan. The Company’s expense related to the Plan was $29,000 in 2019 and $46,000 in 2018. During the plan years ending December 31, 2019 and 2018, the Company made contributions of $29,000 and $46,000 , respectively. As a result of its acquisition of Delaware, the Company is a member of the New York State Bankers Retirement System. Substantially all full-time employees who were former employees of Delaware are covered under this defined benefit pension plan (the “Delaware Plan”). The Company’s funding policy is to contribute at least the minimum required contribution annually. Pension cost is computed using the projected unit credit actuarial cost method. Effective December 31, 2012, the Delaware Plan was closed to new participants and accrued benefits were frozen. The following table sets forth the projected benefit obligation and change in plan assets for the Delaware Plan at December 31: (in Thousands of Dollars) 2019 2018 Change in projected benefit obligation: Projected benefit obligation at beginning of year $ (7,186) $ (8,465) Service cost (55) (64) Interest cost (312) (279) Actuarial gain (loss) (515) 1,040 Benefits paid 553 582 Benefit obligation at end of year $ (7,515) $ (7,186) Change in plan assets: Fair value of plan assets at beginning of year $ 6,136 $ 7,110 Actual return on plan assets 1,275 (401) Benefits paid (558) (573) Fair value of assets at end of year 6,853 6,136 Funded status at end of year $ (662) $ (1,050) The Delaware Plan paid $553,000 and $582,000 in benefit payments in 2019 and 2018, respectively. Estimated benefit payments under the Delaware Plan are expected to be approximately $477,000 , $466,000 , $467,0000 , $453,000 and $438,000 for the next five years. Payments are expected to be approximately $2,115,000 in total for the five-year period ending December 31, 2029. The Company was not required to make any contributions to the Delaware Plan in 2019 or 2018. The decrease in the projected discount rate contributed approximately $801,000 to the overall increase in the projected benefit obligation for the year ended December 31, 2019. The accumulated benefit obligation for the Delaware Plan was $7,515,000 and $7,186,000 at December 31, 2019 and 2018, respectively. The following table sets forth the amounts recognized in accumulated other comprehensive income for the years ended December 31 (in thousands): 2019 2018 Transition asset $ - $ - Prior service credit - - Gain 375 207 Total $ 375 $ 207 Net pension cost (income) included the following components (in thousands): 2019 2018 Service cost benefits earned during the period $ 55 $ 64 Interest cost on projected benefit obligation 312 279 Actual return on assets (379) (441) Net amortization and deferral - - NET PERIODIC PENSION COST (INCOME) $ (12) $ (98) The weighted average assumptions used to determine the benefit obligation at December 31 are as follows: 2019 2018 Discount rate 3.55 % 4.54 % The weighted average assumptions used to determine the net periodic pension cost at December 31 are as follows: 2019 2018 Discount rate 4.54 % 3.43 % Expected long-term return on plan assets 6.50 % 6.50 % Rate of compensation increase 0.00 % 0.00 % The expected long-term return on plan assets was determined based upon expected returns on individual asset types included in the asset portfolio. The Delaware Plan’s weighted-average asset allocations at December 31, by asset category, are as follows: 2019 2018 Cash equivalents 0.0 % 4.2 % Equity securities 31.7 % 46.1 % Fixed income securities 57.7 % 45.8 % Other 10.6 % 3.9 % 100.0 % 100.0 % The Delaware Plan’s overall investment strategy is to invest in a diversified portfolio while managing the variability between the assets and projected liabilities of underfunded pension plans. In 2019, the New York Bankers Retirement System (“System”) Board Members approved a migration of substantially all of the System’s assets to one fund, Commingled Pensions Trust Fund (LDI Diversified Balanced) of JPMorgan Chase Bank, N.A. The growth-oriented portion of the Fund invests in a mix of asset classes that the Fund’s Trustee believes will collectively maximize total risk-adjusted return through a combination of capital appreciation and income. This portion of the Fund will comprise between 35% and 90% of the portfolio and will invest directly or indirectly via underlying funds in a broad mix of global equity, global fixed income, real estate and cash-plus strategies. The remaining portion of the Fund, between 10% and 65% of the portfolio, is used to minimize volatility relative to a plan’s projected liabilities. The fair value of the Delaware Plan’s assets, by asset category, is as follows: December 31, 2019 Quoted Market Other Price in Observable Unobservable Active Markets Inputs Inputs Total (Level 1) (Level 2) (Level 3) (in thousands of dollars) Cash equivalents: Cash (including foreign currencies) $ 6 $ 6 $ - $ - Equity securities: Common stock 3,066 3,066 - - Depository receipts 47 47 - - Preferred stock 22 22 - - Fixed income securities: Corporate bonds 678 - 678 - Government issue 2,860 - 2,560 - Collateralized mortgage obligations 174 - 174 - Other - - - - Total $ 6,853 $ 3,141 $ 3,412 $ - December 31, 2018 Quoted Market Other Price in Observable Unobservable Active Markets Inputs Inputs Total (Level 1) (Level 2) (Level 3) (in thousands of dollars) Cash equivalents: Cash (including foreign currencies) $ 6 $ 6 $ - $ - Short-term investment funds 0 - 0 - Equity securities: Common stock 2,475 2,475 - - Depository receipts 42 42 - - Commingled Pension Trust Fund 0 - 0 - Preferred stock 20 20 - - Fixed income securities: Corporate bonds 608 - 608 - Government issue 2,228 - 2,228 - Mortgage-backed securities 0 - 0 - Collateralized mortgage obligations 156 - 156 - Commingled Pension Trust Fund 0 - 0 - Other 601 - - 601 Total $ 6,136 $ 2,543 $ 2,992 $ 601 The following table sets forth a summary of the changes in the Level 3 assets for the year ended December 31, 2019 and 2018 (in thousands of dollars): 2019 2018 Balance, January 1 $ 601 $ 255 Realized gain 187 - Purchase - - Sales (610) - Unrealized gain (loss) (178) 346 Balance, December 31 $ - $ 601

Income Taxes

Income Taxes	12 Months Ended
Income Taxes	Dec. 31, 2019
Income Taxes [Abstract]
Income Taxes	NOTE 10 - INCOME TAXES The components of the provision for federal income taxes are as follows: Years Ended December 31, 2019 2018 (In Thousands) Current $ 1,620 $ 2,529 Deferred 988 24 $ 2,608 $ 2,553 Deferred income taxes reflect temporary differences in the recognition of revenue and expenses for tax reporting and financial statement purposes, principally because certain items, such as the allowance for loan losses and loan fees are recognized in different periods for financial reporting and tax return purposes. As of December 31, 2019, the Company has a $4,611,000 net operating loss carryforward that will begin to expire in 2035 . A valuation allowance has not been established for deferred tax assets. Realization of the deferred tax assets is dependent on generating sufficient taxable income. Although realization is not assured, management believes it is more likely than not that all of the deferred tax asset will be realized. Deferred tax assets are recorded in other assets. Income tax expense of the Company is less than the amounts computed by applying statutory federal income tax rates to income before income taxes because of the following: Percentage of Income before Income Taxes Years Ended December 31, 2019 2018 Tax at statutory rates 21.0 % 21.0 % Tax exempt interest income, net of interest expense disallowance (4.4) (4.9) Earnings and proceeds on life insurance (1.0) (1.1) Other (0.1) 0.8 15.5 % 15.8 % The net deferred tax asset included in other assets in the accompanying Consolidated Balance Sheets includes the following amounts of deferred tax assets and liabilities: 2019 2018 (In Thousands) Deferred tax assets: Allowance for loan losses $ 1,787 $ 1,775 Deferred compensation 797 766 Core deposit intangible 141 278 Prepaid expenses 55 90 Pension liability 360 363 Foreclosed real estate valuation allowance 17 20 AMT tax credit carryforward - 260 Net operating loss carryforward 968 1,173 Net unrealized loss on securities - 1,477 Other 122 95 Total Deferred Tax Assets 4,247 6,297 Deferred tax liabilities: Premises and equipment 598 223 Deferred loan fees 220 186 Net unrealized gain on pension liability 221 143 Purchase price adjustment 327 321 Net unrealized gain on securities 94 - Total Deferred Tax Liabilities 1,460 873 Net Deferred Tax Asset $ 2,787 $ 5,424 The Company’s federal and state income tax returns for taxable years through 2016 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.

Regulatory Matters and Stockhol

Regulatory Matters and Stockholders' Equity	12 Months Ended
Regulatory Matters and Stockholders' Equity	Dec. 31, 2019
Regulatory Matters and Stockholders' Equity [Abstract]
Regulatory Matters and Stockholders' Equity	NOTE 11 - REGULATORY MATTERS AND STOCKHOLDERS’ EQUITY The Company and Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk-weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of Total, Tier 1 and Common Equity 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, 2019 and 2018, that the Company and the Bank meet all capital adequacy requirements to which they are subject. As of December 31, 2019, the most recent notification from the regulators has categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Company’s actual capital amounts and ratios are presented in the following table: To be Well Capitalized under Prompt For Capital Adequacy Corrective Action Actual Purposes Provision Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) As of December 31, 2019: Total capital (to risk-weighted assets) $ 132,507 14.01 % ≥$75,674 ≥8.00 % ≥$94,593 ≥10.00 % Tier 1 capital (to risk-weighted assets) 123,999 13.11 ≥56,756 ≥6.00 ≥75,674 ≥8.00 Common Equity Tier 1 capital (to risk-weighted assets) 123,999 13.11 ≥42,567 ≥4.50 ≥61,485 ≥6.50 Tier 1 capital (to average assets) 123,999 10.18 ≥48,735 ≥4.00 ≥60,918 ≥5.00 As of December 31, 2018: Total capital (to risk-weighted assets) $ 122,917 14.00 % ≥$70,248 ≥8.00 % ≥$87,810 ≥10.00 % Tier 1 capital (to risk-weighted assets) 114,465 13.04 ≥52,686 ≥6.00 ≥70,248 ≥8.00 Common Equity Tier 1 capital (to risk-weighted assets) 114,465 13.04 ≥39,515 ≥4.50 ≥57,077 ≥6.50 Tier 1 capital (to average assets) 114,465 9.82 ≥46,619 ≥4.00 ≥58,273 ≥5.00 The Bank’s ratios do not differ significantly from the Company’s ratios presented above. The Company and the Bank are subject to regulatory capital rules which, among other things, impose a common equity Tier 1 minimum capital requirement of 4.50% of risk-weighted assets; set the minimum leverage ratio for all banking organizations at a uniform 4.00% of total assets; set the minimum Tier 1 capital to risk-based assets requirement at 6.00% of risk-weighted assets; and assign a risk-weight of 150% to exposures that are more than 90 days past due or are on nonaccrual status and to certain commercial real estate facilities that finance the acquisition, development or construction of real property. The rules also require unrealized gains and losses on certain “available-for-sale” securities holdings to be included for purposes of calculating regulatory capital requirements unless a one-time opt out is exercised, which the Company and the Bank have done. The rule also limits a banking organization’s dividends, stock repurchases and other capital distributions, and certain discretionary bonus payments to executive officers, if the banking organization does not hold a “capital conservation buffer” consisting of 2.50% of common equity Tier 1 capital to risk-weighted assets above regulatory minimum risk-based requirements. The Company and the Bank are in compliance with their respective new capital requirements, including the capital conservation buffer, as of December 31, 2019. The Bank is required to maintain average cash reserve balances in vault cash or with the Federal Reserve Bank. The amount of these restricted cash reserve balances at December 31, 2019 and 2018 was approximately $1,074,000 and $1,018,000 , respectively. Under Pennsylvania banking law, the Bank is subject to certain restrictions on the amount of dividends that it may declare without prior regulatory approval. At December 31, 2019, $65,096,000 of retained earnings were available for dividends without prior regulatory approval, subject to the regulatory capital requirements discussed above. Under Federal Reserve regulations, the Bank is limited as to the amount it may lend affiliates, including the Company, unless such loans are collateralized by specific obligations.

Stock Based Compensation

Stock Based Compensation	12 Months Ended
Stock Based Compensation	Dec. 31, 2019
Stock Based Compensation [Abstract]
Stock Based Compensation	NOTE 12 - STOCK BASED COMPENSATION The Company’s shareholders approved the Norwood Financial Corp 2006 Stock Option Plan at the Annual Meeting on April 26, 2006. An aggregate of 412,500 shares of authorized but unissued Common Stock of the Company were reserved for future issuance under the Plan. This includes up to 66,000 shares for awards to outside directors. Under this plan, the Company granted 11,135 options to employees in 2015, 18,750 options to employees in 2014, and 42,900 options, which included 6,000 options granted to outside directors in 2013. No options were granted under this plan in 2019 or 2018. As of December 31, 2019, there were no shares available for future awards under this plan. All share information has been restated to reflect the 50% stock dividend declared in 2017. At the Annual Meeting held on April 22, 2014, the Company’s shareholders approved the Norwood Financial Corp 2014 Equity Incentive Plan. An aggregate of 375,000 shares of authorized but unissued Common Stock of the Company were reserved for future issuance under the Plan. This includes up to 60,000 shares for awards to outside directors. The Plan also authorized the Company to award restricted stock to officers and outside directors, limited to 63,000 shares of restricted stock awards for officers and 12,000 shares of restricted stock awards for outside directors. At the Annual Meeting held on April 24, 2018, the Company’s shareholders approved an amendment to the 2014 Equity Incentive Plan to ease certain restrictions on restricted stock awards to outside directors. As a result of this amendment, the number of shares available for restricted stock awards to officers was reduced by 300 shares to 62,700 , while the number of shares available for restricted stock awards to outside directors was increased by 20,300 to 32,300 shares. Under this plan, the Company granted 39,850 shares in 2019 which included 26,750 options to employees, 7,500 shares of restricted stock to officers and 5,600 shares of restricted stock to directors. In 2018, the Company granted 42,000 shares which included 26,500 options to employees, 7,500 shares of restricted stock to officers, 2,400 options to directors and 5,600 shares of restricted stock to directors. In 2017, the Company granted 44,150 shares which included 26,750 options to employees, 9,000 shares of restricted stock to officers, 8,000 options to directors and 400 shares of restricted stock to directors. In 2016, the Company granted 36,675 shares which included 24,000 options to employees, 9,000 shares of restricted stock to officers and 3,675 shares of restricted stock to directors. In 2015, the Company granted 2 0,591 shares which included 10,616 options to employees, 6,375 shares of restricted stock to officers and 3,600 shares of restricted stock to directors. In 2014, the Company granted 13,950 shares, which included 9,750 shares of restricted stock to officers and 4,200 shares of restricted stock to outside directors. All shares granted in 2014 were for restricted stock. The restricted shares vest over a five -year period. The product of the number of shares granted and the grant date market price of the Company’s common stock determine the fair value of restricted stock under the company’s restricted stock plan. Management recognizes compensation expense for the fair value of restricted stock on a straight-line basis over the requisite service period for the entire award. As of December 31, 2019, there were 177,785 shares available for future awards under this plan, which includes 151,260 shares available for officer awards and 26,525 shares available for awards to outside directors. Included in these totals are 13,575 shares available for restricted stock awards to officers and 9,225 shares available for restricted stock awards to outside directors. All share information has been restated to reflect the 50% stock dividend declared in 2017. Total unrecognized compensation cost related to stock options was $203,000 as of December 31, 2019 and $207,000 as of December 31, 2018. Salaries and employee benefits expense includes $207,000 and $237,000 of compensation costs related to options for the years ended December 31, 2019 and 2018, respectively. Compensation costs related to restricted stock amounted to $289,000 and $205,000 for the years ended December 31, 2019 and 2018, respectively. The expected future compensation expense relating to non-vested restricted stock outstanding as of December 31, 2019 and 2018 was $1,146,000 and $963,000, respectively. A summary of the Company’s stock option activity and related information for the years ended December 31 follows: 2019 2018 Weighted Weighted Average Average Average Average Exercise Intrinsic Exercise Intrinsic Options Price Value Options Price Value Outstanding, beginning of year 208,700 $ 22.54 212,725 $ 20.76 Granted 26,750 36.02 28,900 32.34 Exercised (32,350) 19.71 (28,275) 18.39 Forfeited (3,275) 24.31 (4,650) 27.08 Outstanding, end of year 199,825 $ 24.78 $ 2,822,470 208,700 $ 22.54 $ 2,182,537 Exercisable, end of year 173,075 $ 23.04 $ 2,745,430 179,800 $ 20.97 $ 2,163,463 Exercise prices for options outstanding as of December 31, 2019 ranged from $16.65 to $36.02 per share. The weighted average remaining contractual life is 5.9 years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following weighted average assumptions: Years Ended December 31, 2019 2018 Dividend yield 3.59% 3.72% Expected life 10 years 10 years Expected volatility 29.08% 29.10% Risk-free interest rate 1.92% 2.68% Weighted average fair value of options granted $ 7.61 $ 7.18 The expected volatility is based on historical volatility. The risk-free interest rates for periods within the contractual life of the awards are based on the U.S. Treasury yield curve in effect at the time of the grant. The expected life is based on historical exercise experience. The dividend yield assumption is based on the Company’s history and expectation of dividend payouts. Proceeds from stock option exercises totaled $ 638,000 in 2019. Shares issued in connection with stock option exercises are issued from available treasury shares or from available authorized shares. During 2019, for the shares issued in connection with stock option exercises, 32,350 shares in total, all shares were issued from available authorized shares. All share information has been adjusted to reflect the 50% stock dividend declared in 2017. As of December 31, 2019, outstanding stock options consist of the following: Average Average Options Exercise Remaining Options Exercise Outstanding Price Life, Years Exercisable Price 13,200 $ 16.83 1.0 13,200 $ 16.83 18,825 16.65 2.0 18,825 16.65 23,925 18.03 3.0 23,925 18.03 1,650 18.36 3.0 1,650 18.36 3,000 19.30 3.8 3,000 19.30 20,875 17.93 4.0 20,875 17.93 8,250 19.39 4.9 8,250 19.39 11,250 19.03 5.9 11,250 19.03 16,250 22.37 7.0 16,250 22.37 29,500 32.81 8.0 29,500 32.81 26,350 32.34 9.0 26,350 32.34 26,750 36.02 10.0 - - Total 199,825 173,075 A summary of the Company’s restricted stock activity and related information for the years ended December 31 is as follows: 2019 2018 Weighted-Average Weighted-Average Number of Grant Date Number of Grant Date Shares Fair Value Shares Fair Value Non-vested, beginning of year 34,615 $27.82 30,415 $24.46 Granted 13,100 36.02 13,100 32.34 Vested (11,520) 25.12 (8,900) 23.00 Forfeited - - - - Non-vested at December 31 36,195 $31.65 34,615 $27.82

Earnings Per Share

Earnings Per Share	12 Months Ended
Earnings Per Share	Dec. 31, 2019
EARNINGS PER SHARE
Earnings Per Share	NOTE 13 - EARNINGS PER SHARE The following table sets forth the computations of basic and diluted earnings per share: Years Ended December 31, 2019 2018 (In Thousands, Except Per Share Data) Numerator, net income $ 14,215 $ 13,651 Denominator: Weighted average shares outstanding 6,295 6,263 Less: Weighted average unvested restricted shares (35) (31) Denominator: Basic earnings per share 6,260 6,232 Weighted average shares outstanding, basic 6,260 6,232 Add: Dilutive effect of stock options and restricted stock 72 58 Denominator: Diluted earnings per share 6,332 6,290 Basic earnings per common share $ 2.27 $ 2.19 Diluted earnings per common share $ 2.25 $ 2.17 Stock options which had no intrinsic value because their effect would be anti-dilutive, and therefore would not be included in the diluted EPS calculation, were zero for both years ended December 31, 2019 and 2018, based on the clo sing price of the Company’s common stock which was $38.90 and $ 33.00 as of December 31, 2019 and 2018, respectively. All share and per share information has been restated to reflect the 50% stock dividend declared in 2017.

Off-Balance Sheet Financial Ins

Off-Balance Sheet Financial Instruments	12 Months Ended
Off-Balance Sheet Financial Instruments	Dec. 31, 2019
Off-Balance Sheet Financial Instruments [Abstract]
Off-Balance Sheet Financial Instruments	NOTE 14 - OFF-BALANCE SHEET FINANCIAL INSTRUMENTS The Bank is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheets. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and letters of credit is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. A summary of the Bank’s financial instrument commitments is as follows: December 31, 2019 2018 (In Thousands) Commitments to grant loans $ 44,246 $ 45,246 Unfunded commitments under lines of credit 56,840 71,906 Standby letters of credit 3,668 4,269 $ 104,754 $ 121,421 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being drawn upon, the total commitment amount does not necessarily represent future cash requirements. The Bank evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the customer and generally consists of real estate. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. The majority of these standby letters of credit expire within the next twelve months. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending other loan commitments. The Bank requires collateral supporting these letters of credit when deemed necessary. Management believes that the proceeds obtained through a liquidation of such collateral would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
Fair Value of Financial Instruments	Dec. 31, 2019
Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments	NOTE 15 – FAIR VALUES OF FINANCIAL INSTRUMENTS Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. In accordance with fair value accounting guidance, the Company measures, records, and reports various types of assets and liabilities at fair value on either a recurring or non-recurring basis in the Consolidated Financial Statements. Those assets and liabilities are presented in the sections entitled “Assets and Liabilities Required to be Measured and Reported at Fair Value on a Recurring Basis” and “Assets and Liabilities Required to be Measured and Reported at Fair Value on a Non-Recurring Basis”. There are three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The methods of determining the fair value of assets and liabilities presented in this note are consistent with our methodologies disclosed in Note 14 of the Company’s 2017 Form 10-K, except for the valuation of loans which was impacted by the adoption of ASU 2016-01. In accordance with ASU 2016-01, the fair value of loans, excluding previously presented impaired loans measured at fair value on a non-recurring basis, is estimated using discounted cash flow analyses. The discount rates used to determine fair value use interest rate spreads that reflect factors such as liquidity, credit and nonperformance risk. Loans are considered a Level 3 classification. Assets and Liabilities Required to be Measured and Reported at Fair Value on a Recurring Basis For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2019 and 2018 are as follows (in thousands): Fair Value Measurement Reporting Date using Description Total Level 1 Level 2 Level 3 December 31, 2019 Available for Sale: States and political subdivisions $ 71,305 $ - $ 71,305 $ - Corporate obligations 4,100 - 4,100 - Mortgage-backed securities-government sponsored entities 134,800 - 134,800 - Total available for sale $ 210,205 $ - $ 210,205 $ - December 31, 2018 Available for Sale: U.S. Treasury securities $ - $ - $ - $ - States and political subdivisions 97,613 - 97,613 - Corporate obligations 8,640 - 8,640 - Mortgage-backed securities-government sponsored entities 137,024 - 137,024 - Total available for sale $ 243,277 $ - $ 243,277 $ - Securities: The fair value of securities available for sale (carried at fair value) are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1), or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted prices. For certain securities which are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence (Level 3). In the absence of such evidence, management’s best estimate is used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Internal cash flow models using a present value formula that includes assumptions market participants would use along with indicative exit pricing obtained from broker/dealers (where available) are used to support fair values of certain Level 3 investments, if applicable. Assets and Liabilities Required to be Measured and Reported at Fair Value on a Non-Recurring Basis For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2019 and 2018 are as follows (in thousands): Fair Value Measurement Reporting Date using Description Total Level 1 Level 2 Level 3 December 31, 2019 Impaired Loans $ 1,584 $ - $ - $ 1,584 Foreclosed real estate 1,556 - - 1,556 December 31, 2018 Impaired Loans $ 1,319 $ - $ - $ 1,319 Foreclosed real estate 1,115 - - 1,115 Impaired loans (generally carried at fair value): The Company measures impairment generally based on the fair value of the loan’s collateral. Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the lowest level of input that is significant to the fair value measurements. As of December 31, 2019, the fair value investment in impaired loans totaled $2,144,000, which included two loan relationships that did not require a valuation allowance since either the estimated realizable value of the collateral or the discounted cash flows exceeded the recorded investment in the loan. As of December 31, 2019, the Company has recognized charge-offs against the allowance for loan losses on these impaired loans in the amount of $251,000 over the life of the loans. Additionally, there were two loan relationships which totaled $2,001,000 which required a valuation allowance of $417,000 since either the estimated realizable value of the collateral or the discounted cash flows were below the recorded investment in the loan. As of December 31, 2019, the Company has not recognized a charge-off against the allowance for loan losses on these impaired loans. As of December 31, 2018, the fair value investment in impaired loans totaled $1,319,000 which included six loan relationships that did not require a valuation allowance since either the estimated realizable value of the collateral or the discounted cash flows exceeded the recorded investment in the loan. As of December 31, 2018, the Company has recognized charge-offs against the allowance for loan losses on these impaired loans in the amount of $428,000 over the life of the loans. Foreclosed real estate owned (carried at fair value): Real estate properties acquired through, or in lieu of, loan foreclosure are to be sold and are carried at fair value less estimated cost to sell. Fair value is based upon independent market prices, appraised value of the collateral or management’s estimation of the value of the collateral. These assets are included in Level 3 fair value based upon the lowest level of input that is significant to the fair value measurement. The following tables present additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value: Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) December 31, 2019 Impaired loans $ 1,531 Appraisal of collateral(1) Appraisal adjustments(2) 10.00% ( 10.00% ) Impaired loans $ 53 Present value of future cash flows Loan discount rate 4.00 -6.97% ( 5.55% ) Probability of default 0% Foreclosed real estate owned $ 1,556 Appraisal of collateral(1) Liquidation Expenses(2) 0 -7.00% ( 4.34% ) Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) December 31, 2018 Impaired loans $ 232 Appraisal of collateral(1) Appraisal adjustments(2) 10.00 -81.54% ( 56.06% ) Impaired loans $ 1,087 Present value of future cash flows Loan discount rate 4.00 -6.00% ( 5.80% ) Probability of default 0% Foreclosed real estate owned $ 1,115 Appraisal of collateral(1) Liquidation Expenses(2) 7.00 -85.71% ( 7.80% ) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable, less any associated allowance. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal. Assets and Liabilities Not Required to be Measured or Reported at Fair Value The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The estimated fair values of the Bank’s financial instruments not required to be measured or reported at fair value were as follows at December 31, 2019 and December 31, 2018. (In thousands): Fair Value Measurements at December 31, 2019 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents (1) $ 15,415 $ 15,415 $ 15,415 $ - $ - Loans receivable, net 916,072 943,143 - - 943,143 Mortgage servicing rights 187 226 - - 226 Regulatory stock (1) 4,844 4,844 4,844 - - Bank owned life insurance (1) 38,763 38,763 38,763 - - Accrued interest receivable (1) 3,719 3,719 3,719 - - Financial liabilities: Deposits 957,529 961,120 596,811 - 364,309 Short-term borrowings (1) 62,256 62,256 62,256 - - Other borrowings 56,438 56,618 - - 56,618 Accrued interest payable (1) 2,432 2,432 2,432 - - Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit - - - - - Fair Value Measurements at December 31, 2018 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents (1) $ 18,348 $ 18,348 $ 18,348 $ - $ - Loans receivable, net 841,730 840,134 - - 840,134 Mortgage servicing rights 178 220 - - 220 Regulatory stock (1) 3,926 3,926 3,926 - - Bank owned life insurance (1) 37,932 37,932 37,932 - - Accrued interest receivable (1) 3,776 3,776 3,776 - - Financial liabilities: Deposits 946,780 945,773 601,604 - 344,169 Short-term borrowings (1) 53,046 53,046 53,046 - - Other borrowings 52,284 52,043 - - 52,043 Accrued interest payable (1) 1,806 1,806 1,806 - - Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit - - - - - (1) This financial instrument is carried at cost, which approximates the fair value of the instrument.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
Accumulated Other Comprehensive Income (Loss)	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	NOTE 16 – ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following tables present the changes in accumulated other comprehensive income (loss) (in thousands) by component, net of tax, for the years ended December 31, 2019 and 2018: Unrealized gains (losses) on available for sale Unrealized gain (loss) on securities (a) pension liability (a) Total (a) Balance as of December 31, 2018 $ (5,558) $ 538 $ (5,020) Other comprehensive income (loss) before reclassification 6,113 295 6,408 Amount reclassified from accumulated other comprehensive loss (201) - (201) Total other comprehensive income 5,912 295 6,207 Balance as of December 31, 2019 $ 354 $ 833 $ 1,187 Unrealized gains (losses) on available for sale Unrealized gain on securities (a) pension liability (a) Total (a) Balance as of December 31, 2017 $ (3,041) $ 374 $ (2,667) Other comprehensive income (loss) before reclassification (2,349) 164 (2,185) Amount reclassified from accumulated other comprehensive loss (168) - (168) Total other comprehensive (loss) (2,517) 164 (2,353) Balance as of December 31, 2018 $ (5,558) $ 538 $ (5,020) (a) All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents significant amounts reclassified out of each component of accumulated other comprehensive income (loss) (in thousands) for the years ended December 31, 2019 and 2018: Amount Reclassified From Accumulated Affected Line Item in Other Consolidated Comprehensive Statement of Details about other comprehensive income Income (Loss) (a) Income Twelve months Twelve months ended ended December 31, December 31, 2019 2018 Unrealized gains on available for sale securities $ 254 $ 213 Net realized gains on sales of securities (53) (45) Income tax expense $ 201 $ 168 (a) Amounts in parentheses indicate debits to net income.

Proposed Acquisition of Upstate

Proposed Acquisition of Upstate New York Bancorp, Inc.	12 Months Ended
Proposed Acquisition of Upstate New York Bancorp, Inc.	Dec. 31, 2019
Proposed Acquisition of Upstate New York Bancorp, Inc. [Abstract]
Proposed Acquisition of Upstate New York Bancorp, Inc.	NOTE 17 – PROPOSED ACQUISITION OF UPSTATE NEW YORK BANCORP, INC. On January 8, 2020, Norwood Financial Corp. (“Norwood”) and its wholly owned subsidiary, Wayne Bank, and UpState New York Bancorp, Inc. (“UpState”), and its wholly owned subsidiary, USNY Bank entered into an Agreement and Plan of Merger (the “Merger Agreement”) pursuant to which UpState will merge with and into Norwood, with Norwood as the surviving corporation. Concurrent with the merger, it is expected that USNY Bank will merge with and into Wayne Bank. USNY Bank conducts its business from its two Bank of the Finger Lakes offices in Geneva and Penn Yan, New York, and two Bank of Cooperstown offices in Cooperstown and Oneonta, New York. As of December 31, 2019, UpState had total assets of $439.6 million, total net loans of $380.7 million, total deposits of $387.9 million and total stockholders’ equity of $46.4 million. Pursuant to the terms of the Merger Agreement, shareholders of UpState will have the opportunity to elect to receive for each share of UpState common stock they own, either 0.9390 shares of Norwood common stock or $33.33 in cash, or a combination of both. All shareholder elections will be subject to the allocation and proration procedures set forth in the Merger Agreement which are intended to ensure that 90% of the shares of UpState will be exchanged for Norwood common stock and 10% of the shares of UpState will be exchanged for cash. In addition to the purchase price per share, UpState may also be permitted, under certain performance conditions, to distribute at the closing of the merger, a special cash dividend of up to an additional $0.67 per share to UpState’s shareholders. In the event of a greater than 20% decline in market value of Norwood’s common stock, UpState may, in certain circumstances, be able to terminate the Merger Agreement unless Norwood increases the number of shares into which UpState common stock may be converted. The senior management of Norwood and Wayne Bank will remain the same following the merger. UpState directors Jeffrey S. Gifford and Alexandra K. Nolan will be appointed to the boards of directors of Norwood and Wayne Bank. In addition, the other directors of UpState will be invited to join a regional advisory board. UpState President and CEO R. Michael Briggs will enter into a consulting agreement with Wayne Bank. Norwood will retain the brand names of USNY’s two units, Bank of the Finger Lakes and Bank of Cooperstown, and will also retain USNY’s administration center in Geneva, New York. Scott D. White, unit President of Bank of Cooperstown, and Jeffrey E. Franklin, unit President of Bank of the Finger Lakes, will also remain in place as executives of their units. The transaction is subject to customary closing conditions, including the receipt of regulatory approvals and approval by the shareholders of Norwood and UpState. The merger is expected to be completed in the third quarter of 2020. Each of the directors and executive officers of Norwood and UpState have agreed to vote their shares in favor of the approval of the Merger Agreement at the shareholders’ meetings to be held to vote on the proposed transaction. If the merger is not consummated under certain circumstances, UpState has agreed to pay Norwood a termination fee of $3.2 million. The Merger Agreement also contains usual and customary representations and warranties that Norwood and UpState made to each other as of specific dates. The assertions embodied in those representations and warranties were made solely for purposes of the contract between Norwood and UpState, and may be subject to important qualifications and limitations agreed to by the parties in connection with negotiating its terms. Moreover, the representations and warranties are subject to a contractual standard of materiality that may be different from what may be viewed as material to shareholders, and the representations and warranties may have been used to allocate risk between Norwood and UpState rather than establishing matters as facts.

Norwood Financial Corp (Parent

Norwood Financial Corp (Parent Company Only) Financial Information	12 Months Ended
	Dec. 31, 2019
Norwood Financial Corp (Parent Company Only) Financial Information [Abstract]
Norwood Financial Corp (Parent Company Only) Financial	NOTE 18 - NORWOOD FINANCIAL CORP (PARENT COMPANY ONLY) FINANCIAL INFORMATION BALANCE SHEETS December 31, 2019 2018 (In Thousands) ASSETS Cash on deposit in bank subsidiary $ 2,848 $ 2,509 Investment in bank subsidiary 135,433 120,511 Other assets 1,875 1,739 Total assets $ 140,156 $ 124,759 LIABILITIES AND STOCKHOLDERS’ EQUITY Liabilities $ 2,728 $ 2,474 Stockholders’ equity 137,428 122,285 Total liabilities and stockholders' equity $ 140,156 $ 124,759 STATEMENTS OF INCOME Years Ended December 31, 2019 2018 Income: (In Thousands) Dividends from bank subsidiary $ 6,113 $ 5,643 Expenses 637 618 5,476 5,025 Income tax benefit (232) (217) 5,708 5,242 Equity in undistributed earnings of subsidiary 8,507 8,409 Net Income $ 14,215 $ 13,651 Comprehensive Income $ 20,422 $ 11,298 STATEMENTS OF CASH FLOWS Years Ended December 31, 2019 2018 (In Thousands) CASH FLOWS FROM OPERATING ACTIVITIES Net income $ 14,215 $ 13,651 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of bank subsidiary (8,507) (8,409) Decrease in deferred income tax - 1,158 Other, net 335 387 Net Cash Provided by Operating Activities 6,043 6,787 CASH FLOWS FROM INVESTING ACTIVITIES Investment in bank subsidiary - (4,000) Net Cash (Used in) Provided by Investing Activities - (4,000) CASH FLOWS FROM FINANCING ACTIVITIES Stock options exercised 638 520 Sale of treasury stock for ESOP 127 123 Acquisition of treasury stock (428) (194) Cash dividends paid (6,041) (5,509) Net Cash Used in Financing Activities (5,704) (5,060) Net (Decrease) Increase in Cash and Cash Equivalents 339 (2,273) CASH AND CASH EQUIVALENTS - BEGINNING 2,509 4,782 CASH AND CASH EQUIVALENTS - ENDING $ 2,848 $ 2,509

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
Summary of Significant Accounting Policies (Policies)	Dec. 31, 2019
Summary of Significant Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank, and the Bank’s wholly-owned subsidiaries, WCB Realty Corp., Norwood Investment Corp., Norwood Settlement Services, LLC and WTRO Properties. In June 2017, the Bank adopted a plan of dissolution for Norwood Settlement Services, LLC. Effective May 29, 2018, the existence of Norwood Settlement Services, LLC, was terminated. All significant intercompany accounts and transactions have been eliminated in consolidation.
Estimates	Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclosure of contingent assets and liabilities, at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of deferred tax assets, the determination of other-than-temporary impairment on securities, the determination of goodwill impairment and the fair value of financial instruments.
Significant Group Concentrations of Credit Risk and Concentrations of Credit Risk	Significant Group Concentrations of Credit Risk Most of the Company’s activities are with customers located within its markets in Northeastern Pennsylvania and the Southern Tier of New York. Note 3 discusses the types of securities that the Company invests in. Note 4 discusses the types of lending that the Company engages in. The Company does not have any significant concentrations to any one industry or customer. Concentrations of Credit Risk The Bank operates primarily in Wayne, Pike, Lackawanna, Luzerne and Monroe Counties, Pennsylvania and Delaware and Sullivan Counties, New York. Accordingly, the Bank has extended credit primarily to commercial entities and individuals in these areas whose ability to honor their contracts is influenced by the region’s economy. These customers are also the primary depositors of the Bank. The Bank is limited in extending credit by legal lending limits to any single borrower or group of related borrowers.
Securities	Securities Securities classified as available for sale are those securities that the Company intends to hold for an indefinite period of time but not necessarily to maturity. Any decision to sell a security classified as available for sale would be based on various factors, including significant movement in interest rates, changes in maturity mix of the Company’s assets and liabilities, liquidity needs, regulatory capital considerations and other similar factors. Securities available for sale are carried at fair value. Unrealized gains and losses are reported in other comprehensive income, net of the related deferred tax effect. Realized gains or losses, determined on the basis of the cost of the specific securities sold, are included in earnings. Premiums and discounts are recognized in interest income using a method which approximates the interest method over the term of the security. Bonds, notes and debentures for which the Company has the positive intent and ability to hold to maturity are reported at cost, adjusted for premiums and discounts that are recognized in interest income using the interest method over the term of the security. Management determines the appropriate classification of debt securities at the time of purchase and re-evaluates such designation as of each Consolidated Balance Sheet date. Declines in the fair value of available for sale securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent of the Company to not sell the securities and it is more likely than not that it will not have to sell the securities before recovery of their cost basis.
Regulatory Stock	Regulatory Stock The Company, as a member of the Federal Home Loan Bank (FHLB) system is required to maintain an investment in capital stock of its district FHLB according to a predetermined formula. This regulatory stock has no quoted market value and is carried at cost. Management evaluates the regulatory stock for impairment. Management’s determination of whether these investments are impaired is based on their assessment of the ultimate recoverability of their cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of their cost is influenced by criteria such as (1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount for the FHLB and the length of time this situation has persisted, (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB, and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the FHLB. Management considers the FHLB’s regulatory capital ratios, liquidity, and the fact that new shares of FHLB stock continue to change hands at the $100 par value. Management believes no impairment charge is necessary related to FHLB stock as of December 31, 2019.
Loans Receivable	Loans Receivable Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees. Interest income is accrued on the unpaid principal balance. Loan origination fees are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan. The accrual of interest is generally discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in prior years is charged against the allowance for loan losses. Interest received on nonaccrual loans generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt.
Troubled Debt Restructurings	Troubled Debt Restructurings A loan is considered to be a troubled debt restructuring (TDR) loan when the Company grants a concession to the borrower because of the borrower’s financial condition that it would not otherwise consider. Such concessions include the reduction of interest rates, forgiveness of principal or interest, or other modifications of interest rates that are less than the current market rate for new obligations with similar risk.
Loans Acquired	Loans Acquired Loans acquired including loans that have evidence of deterioration of credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments receivable, are initially recorded at fair value (as determined by the present value of expected future cash flows) with no valuation allowance. Loans are evaluated individually to determine if there is evidence of deterioration of credit quality since origination. The difference between the undiscounted cash flows expected at acquisition and the investment in the loan, or the “accretable yield,” is recognized as interest income on a level-yield method over the life of the loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” are not recognized as a yield adjustment or as a loss accrual or a valuation allowance. Increases in expected cash flows subsequent to the initial investment are recognized prospectively through adjustment of the yield on the loan over its remaining estimated life. Decreases in expected cash flows are recognized immediately as impairment. Any valuation allowances on these impaired loans reflect only losses incurred after the acquisition. For purchased loans acquired that are not deemed impaired at acquisition, credit discounts representing the principal losses expected over the life of the loan are a component of the initial fair value. Loans may be aggregated and accounted for as a pool of loans if the loans being aggregated have common risk characteristics. Subsequent to the purchase date, the methods utilized to estimate the required allowance for credit losses for these loans is similar to originated loans; however, the Company records a provision for loan losses only when the required allowance exceeds any remaining credit discounts. The remaining differences between the purchase price and the unpaid principal balance at the date of acquisition are recorded in interest income over the life of the loans.
Mortgage Servicing Rights	Mortgage Servicing Rights Servicing assets are recognized as separate assets when rights are acquired through purchase or through the sale of financial assets. Capitalized servicing rights are reported in other assets and are amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon a third party appraisal. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Impairment is recognized through a valuation allowance to the extent that fair value is less than the capitalized amount. The Company’s loan servicing assets at December 31, 2019 and 2018, respectively, were no t impaired. Total servicing assets included in other assets as of December 31, 2019 and 2018, were $187,000 and $178,000 , respectively.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management’s periodic evaluation of the adequacy of the allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. The allowance consists of specific and general components. The specific component relates to loans that are classified as substandard. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential real estate loans for impairment disclosures, unless such loans were acquired with impairment or are the subject of a restructuring agreement.
Premises and Equipment	Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation expense is calculated principally on the straight-line method over the respective assets estimated useful lives as follows: Years Buildings and improvements 10 - 40 Furniture and equipment 3 - 10
Leases	Leases The Company applies a right-of-use (ROU) model that requires a lessee to record, for all leases with a lease term of more than 12 months, an asset representing its right to use the underlying asset and a liability to make lease payments. For leases with a term of 12 months or less, a practical expedient is available whereby a lessee may elect, by class of underlying asset, not to recognize an ROU asset or lease liability. At inception, lessees must classify all leases as either finance or operating based on five criteria. Balance sheet recognition of finance and operating leases is similar, but the pattern of expense recognition in the income statement, as well as the effect on the statement of cash flows, differs depend ing on the lease classification. See Note 8 for related disclosures.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets, including loan and loan participation sales, are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
Foreclosed Real Estate	Foreclosed Real Estate Real estate properties acquired through, or in lieu of, loan foreclosure are to be sold and are initially recorded at fair value less cost to sell at the date of foreclosure establishing a new cost basis. After foreclosure, valuations are periodically performed by management and the real estate is carried at the lower of its carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other expenses.
Bank Owned Life Insurance	Bank Owned Life Insurance The Company invests in bank owned life insurance (BOLI) as a source of funding for employee benefit expenses. BOLI involves the purchasing of life insurance by the Bank on a select group of employees. The Company is the owner and beneficiary of the policies. This life insurance investment is carried at the cash surrender value of the underlying policies. Income from the increase in cash surrender value of the policies or from death benefits realized is included in other income on the Consolidated Statements of Income.
Goodwill	Goodwill In connection with two acquisitions the Company recorded goodwill in the amount of $11.3 million, representing the excess of amounts paid over the fair value of net assets of the institutions acquired. Goodwill is tested and deemed impaired when the carrying value of goodwill exceeds its implied fair value. The value of the goodwill can change in the future. We expect the value of the goodwill to decrease if there is a significant decrease in the franchise value of the Bank. If an impairment loss is determined in the future, we will reflect the loss as an expense for the period in which the impairment is determined, leading to a reduction of our net income for that period by the amount of the impairment loss. No impairment was recognized for the years ended December 31, 2019 and 2018.
Other Intangible Assets	Other Intangible Assets At December 31, 2019, the Company had other intangible assets of $235,000, which is net of accumulated amortization of $1,110,000 . These intangible assets will continue to be amortized using the sum-of-the-years digits method of amortization over ten years. At December 31, 2018, the Company had other intangible assets of $336,000 which was net of accumulated amortization of $1,008,000 . Amortization expense related to other intangible assets was $101,000 and $126,000 for the years ended December 31, 2019 and 2018, respectively. As of December 31, 2019, the estimated future amortization expense for the core deposit intangible is as follows (in thousands): 2020 $ 77 2021 52 2022 38 2023 29 2024 21 Thereafter 18 $ 235
Income Taxes	Income Taxes Deferred income tax assets and liabilities are determined based on the differences between financial statement carrying amounts and the tax basis of existing assets and liabilities. These differences are measured at the enacted tax rates that will be in effect when these differences reverse. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of the deferred tax assets will not be realized. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. The Company and its subsidiary file a consolidated federal income tax return. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company analyzes each tax position taken in its tax returns and determines the likelihood that the position will be realized. Only tax positions that are “more-likely-than-not” to be realized can be recognized in an entity’s financial statements. For tax positions that do not meet this recognition threshold, an entity will record an unrecognized tax benefit for the difference between the position taken on the tax return and the amount recognized in the financial statements. The Company does not have any unrecognized tax benefits at December 31, 2019 or 2018, or during the years then ended. No unrecognized tax benefits are expected to arise within the next twelve months.
Advertising Costs	Advertising Costs Advertising costs are expensed as incurred.
Earnings Per Share	Earnings per Share Basic earnings per share represents income available to common stockholders divided by the weighted average number of common shares outstanding during the period less any unvested restricted shares. Diluted earnings per share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method. Treasury shares are not deemed outstanding for earnings per share calculations.
Employee Benefit Plans	Employee Benefit Plans The Company has a defined contributory profit-sharing plan which includes provisions of a 401(k) plan. The Company’s contributions are expensed as the cost is incurred. The Company has several supplemental executive retirement plans. To fund the benefits under these plans, the Company is the owner of single premium life insurance policies on the participants. The Company provides pension benefits to eligible employees. The Company’s funding policy is to contribute at least the minimum required contributions annually.
Stock Option Plans	Stock Option Plans The Company recognizes the value of share-based payment transactions as compensation costs in the financial statements over the period that an employee provides service in exchange for the award. The fair value of the share-based payments for stock options is estimated using the Black-Scholes option-pricing model. The Company used the modified-prospective transition method to record compensation expense. Under the modified-prospective method, companies are required to record compensation cost for new and modified awards over the related vesting period of such awards and record compensation cost prospectively for the unvested portion, at the date of adoption, of previously issued and outstanding awards over the remaining vesting period of such awards. No change to prior periods presented is permitted under the modified-prospective method.
Restricted Stock	Restricted Stock The Company recognizes compensation cost related to restricted stock based on the market price of the stock at the grant date over the vesting period. The product of the number of shares granted and the grant date market price of the Company’s common stock determines the fair value of restricted stock under the Company’s 2014 Equity Incentive Plan. The Company recognizes compensation expense for the fair value of the restricted stock on a straight-line basis over the requisite service period for the entire award.
Cash Flow Information	Cash Flow Information For the purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing deposits with banks and federal funds sold.
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit, letters of credit and commitments to sell loans. Such financial instruments are recorded on the balance sheets when they become receivable or payable.
Trust Assets	Trust Assets Assets held by the Company in a fiduciary capacity for customers are not included in the financial statements since such items are not assets of the Company. Trust income is reported on the accrual method.
Treasury Stock	Treasury Stock Common shares repurchased are recorded as treasury stock at cost.
Comprehensive Income	Comprehensive Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and defined benefit pension obligations, are reported as a separate component of the equity section of the balance sheet. Such items, along with net income, are components of comprehensive income as presented in the Consolidated Statement of Comprehensive Income.
Segment Reporting	Segment Reporting The Company acts as an independent community financial services provider and offers traditional banking related financial services to individual, business and government customers. Through its Community Office and automated teller machine network, the Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of safe deposit services. The Company also performs personal, corporate, pension and fiduciary services through its Trust Department. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial, retail, mortgage banking and trust operations of the Company. As such, discrete information is not available and segment reporting would not be meaningful.
Reclassification of Comparative Amounts	Reclassification of Comparative Amounts Certain comparative amounts for the prior year have been reclassified to conform to current-year classifications. Such reclassifications had no material effect on net income or stockholders’ equity.
New and Recently Adopted Accounting Pronouncements	New and Recently Adopted Accounting Pronouncements Recently Adopted Accounting Pronouncements In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this Update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. Upon adoption on January 1, 2018, we have included the related new disclosure requirements in Note 1 . In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . The standard requires lessees to recognize the assets and liabilities that arise from leases on the balance sheet. A lessee should recognize in the statement of financial position a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term. A short-term lease is defined as one in which (a) the lease term is 12 months or less and (b) there is not an option to purchase the underlying asset that the lessee is reasonably certain to exercise. For short-term leases, lessees may elect to recognize lease payments over the lease term on a straight-line basis. For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2018, and interim periods within those years. For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and for interim periods within fiscal years beginning after December 15, 2020. The amendments should be applied at the beginning of the earliest period presented using a modified retrospective approach with earlier application permitted as of the beginning of an interim or annual reporting period. Upon adoption of ASU 2016-02 on January 1, 2019, we recorded right-of-use assets and related lease liabilities totaling $5.3 million each, which are recorded in other assets and other liabilities, respectively. New Accounting Pronouncements Not Yet Adopted In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments , which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations. The underlying premise of the Update is that financial assets measured at amortized cost should be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management’s current estimate of credit losses that are expected to occur over the remaining life of a financial asset. The income statement will be effected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. ASU 2016-13 is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted for annual and interim periods beginning after December 15, 2018. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) . This Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers, and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated financial statements. In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment . To simplify the subsequent measurement of goodwill, the FASB eliminated Step 2 from the goodwill impairment test. In computing the implied fair value of goodwill under Step 2, an entity had to perform procedures to determine the fair value at the impairment testing date of its assets and liabilities (including unrecognized assets and liabilities) following the procedure that would be required in determining the fair value of assets acquired and liabilities assumed in a business combination. Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting units fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2020. All other entities, including not-for-profit entities, that are adopting the amendments in this Update should do so for their annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2021. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) , which deferred the effective date for ASC 350, Intangibles – Goodwill and Other , for smaller reporting companies to fiscal years beginning after December 15, 2022, and interim periods within those fiscal years. This Update is not expected to have a significant impact on the Company’s financial statements. In February 2017, the FASB issued ASU 2017-06 , Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), and Health and Welfare Benefit Plans (Topic 965) . This Update relates primarily to the reporting by an employee benefit plan for its interest in a master trust, which is a trust for which a regulated financial institution serves as a trustee or custodian and in which assets of more than one plan sponsored by a single employer or by a group of employers under common control are held. For each master trust in which a plan holds an interest, the amendments in this Update require a plan’s interest in that master trust and any change in that interest to be presented in separate line items in the statement of net assets available for benefits and in the statement of changes in net assets available for benefits, respectively. The amendments in this Update remove the requirement to disclose the percentage interest in the master trust for plans with divided interests and require that all plans disclose the dollar amount of their interest in each of those general types of investments, which supplements the existing requirement to disclose the master trusts balances in each general type of investments. There are also increased disclosure requirements for investments in master trusts. The amendments in this Update are effective for fiscal years beginning after December 15, 2018. Early adoption is permitted. This Update is not expected to have a significant impact on the Company’s financial statements. In August 2018, the FASB issued ASU 2018-12, Financial Services – Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contract s. This Update is intended to improve financial reporting for insurance companies that issue long-duration contracts, such as life insurance, disability income, long-term care, and annuities, by requiring updated assumptions for liability measurement, standardizing the liability discount rate, simplifying and improving the accounting for certain market-based options or guarantees associated with deposit (or account balance) contracts by requiring those benefits to be measured at fair value instead of using two different measurement models, simplifying the amortization of deferred acquisition costs, and increasing transparency by improving the effectiveness of disclosures. This Update is effective for public business entities for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years, with early adoption permitted. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within fiscal years beginning after December 15, 2022. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842), which deferred the effective date for ASC 944 , Financial Services – Insurance , for public business entities that are SEC filers, except for smaller reporting companies, to fiscal years beginning after December 15, 2021, and interim periods within those fiscal years and for all other entities, including smaller reporting companies, to fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. This Update is not expected to have a significant impact on the Company’s financial statements. In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes the Disclosure Requirements for Fair Value Measurements . The Update removes the requirement to disclose the amount of and reasons for transfers between Level I and Level II of the fair value hierarchy; the policy for timing of transfers between levels; and the valuation processes for Level III fair value measurements. The Update requires disclosure of changes in unrealized gains and losses for the period included in other comprehensive income (loss) for recurring Level III fair value measurements held at the end of the reporting period and the range and weighted average of significant unobservable inputs used to develop Level III fair value measurements. This Update is effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. This Update is not expected to have a significant impact on the Company’s financial statements. In August 2018, the FASB issued ASU 2018-14, Compensation – Retirement Benefits (Topic 715-20). This Update amends ASC 715 to add, remove and clarify disclosure requirements related to defined benefit pension and other postretirement plans. The Update eliminates the requirement to disclose the amounts in accumulated other comprehensive income expected to be recognized as part of net periodic benefit cost over the next year. The Update also removes the disclosure requirements for the effects of a one-percentage-point change on the assumed health care costs and the effect of this change in rates on service cost, interest cost and the benefit obligation for postretirement health care benefits. This Update is effective for public business entities for fiscal years ending after December 15, 2020, and must be applied on a retrospective basis. For all other entities, this Update is effective for fiscal years ending after December 15, 2021. This Update is not expected to have a significant impact on the Company’s financial statements. In August 2018, the FASB issued ASU 2018-15, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40). This Update addresses customers’ accounting for implementation costs incurred in a cloud computing arrangement that is a service contract and also adds certain disclosure requirements related to implementation costs incurred for internal-use software and cloud computing arrangements. The amendment aligns the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software (and hosting arrangements that include an internal-use software license). This Update is effective for public business entities for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years, with early adoption permitted. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2020, and interim periods within fiscal years beginning after December 15, 2021. The amendments in this Update can be applied either retrospectively or prospectively to all implementation costs incurred after the date of adoption. This Update is not expected to have a significant impact on the Company’s financial statements. In October 2018, the FASB issued ASU 2018-16 , Derivatives and Hedging (Topic 815) . The amendments in this Update permit use of the Overnight Index Swap (OIS) rate based on the Secured Overnight Financing Rate (SOFR) as a U.S. benchmark interest rate for hedge accounting purposes under Topic 815, in addition to the interest rates on direct Treasury obligations of the U.S. government, the London Interbank Offered Rate (LIBOR) swap rate, the OIS rate based on the Fed Funds Effective Rate, and the Securities Industry and Financial Markets Association (SIFMA) Municipal Swap Rate. For entities that have not already adopted Update 2017-12 , the amendments in this Update are required to be adopted concurrently with the amendments in Update 2017-12 . For public business entities that already have adopted the amendments in Update 2017-12 , the amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. For all other entities that already have adopted the amendments in Update 2017-12 , the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. Early adoption is permitted in any interim period upon issuance of this Update if an entity already has adopted Update 2017-12 . This Update is not expected to have a significant impact on the Company’s financial statements. In October, 2018, the FASB issued ASU 2018-17, Consolidation (Topic 810) , which made improvements in 1) applying the variable interest entity (VIE) guidance to private companies under common control and 2) considering indirect interests held through related parties under common control for determining whether fees paid to decision makers and service providers are variable interests. Under the amendments in this Update, a private company may elect not to apply VIE guidance to legal entities under common control (including common control leasing arrangements) if both the parent and the legal entity being evaluated for consolidation are not public business entities. In addition, indirect interests held through related parties in common control arrangements should be considered on a proportional basis for determining whether fees paid to decision makers and service providers are variable interests. For entities other than private companies, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. The amendments in this Update are effective for a private company for fiscal years beginning after December 15, 2020, and interim periods within fiscal years beginning after December 15, 2021. This Update is not expected to have a significant impact on the Company’s financial statements. In November, 2018, the FASB issued ASU 2018-18, Collaborative Arrangements (Topic 808) , which made the following targeted improvements to generally accepted accounting principles (GAAP) for collaborative arrangements (1) clarified that certain transactions between collaborative arrangement participants should be accounted for as revenue under Topic 606 when the collaborative arrangement participant is a customer in the context of a unit of account, (2) add unit-of-account guidance in Topic 808 to align with the guidance in Topic 606 (that is, a distinct good or service) when an entity is assessing whether the collaborative arrangement or a part of the arrangement is within the scope of Topic 606 , and (3) require that in a transaction with a collaborative arrangement participant that is not directly related to sales to third parties, presenting the transaction together with revenue recognized under Topic 606 is precluded if the collaborative arrangement participant is not a customer. For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2020, and interim periods within fiscal years beginning after December 15, 2021. This Update is not expected to have a significant impact on the Company’s financial statements. In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments, which affects a variety of topics in the Codification and applies to all reporting entities within the scope of the affected accounting guidance. Topic 326, Financial Instruments – Credit Losses amendments are effective for SEC registrants for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. For all other public business entities, the effective date is for fiscal years beginning after December 15, 2020, and for all other entities, the effective date is for fiscal years beginning after December 15, 2021. Topic 815, Derivatives and Hedging amendments are effective for public business entities for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods beginning after December 15, 2020. For entities that have adopted the amendments in Update 2017-12, the effective date is as of the beginning of the first annual period beginning after the issuance of this Update. Topic 825, Financial Instruments amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) . This Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Furthermore, the ASU provides a one-year deferral of the effective dates of the ASUs on derivatives and hedging for companies that are not public business entities. The Company qualifies as a smaller reporting company and does not expect to early adopt these ASUs. In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses, Topic 326 , which allows entities to irrevocably elect the fair value option for certain financial assets previously measured at amortized cost upon adoption of the new credit losses standard. To be eligible for the transition election, the existing financial asset must otherwise be both within the scope of the new credit losses standard and eligible for the applying the fair value option in ASC 825-10.3. The election must be applied on an instrument-by-instrument basis and is not available for either available-for-sale or held-to-maturity debt securities. For entities that elect the fair value option, the difference between the carrying amount and the fair value of the financial asset would be recognized through a cumulative-effect adjustment to opening retained earnings as of the date an entity adopted ASU 2016-13. Changes in fair value of that financial asset would subsequently be reported in current earnings. For entities that have not yet adopted ASU 2016-13, the effective dates and transition requirements are the same as those in ASU 2016-13. For entities that have adopted ASU 2016-13, ASU 2019-05 is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted once ASU 2016-13 has been adopted. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) . The Update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. The Company qualifies as a smaller reporting company and does not expect to early adopt ASU 2016-13. In July 2019, the FASB issued ASU 2019-07, Codification Updates to SEC Sections, Amendments to SEC Paragraphs Pursuant to SEC Final Rule Releases No. 33-10532, Disclosure Update and Simplification, and Nos. 33-10231 and 33-10442, Investment Company Reporting Modernization, and Miscellaneous Updates. This ASU amends various SEC paragraphs pursuant to the issuance of SEC Final Rule Releases No. 33-10532, Disclosure Update and Simplification , and Nos. 33-10231 and 33-10442, Investment Company Reporting Modernization . Other miscellaneous updates to agree to the electronic Code of Federal Regulations also have been incorporated. In November 2019, the FASB issued ASU 2019-10, Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) . The Update defers the effective dates of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies, non-SEC filers, and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. This Update also amends the mandatory effective date for the elimination of Step 2 from the goodwill impairment test under ASU No. 2017-04, Intangibles ‒ Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment (Goodwill) , to align with those used for credit losses. Furthermore, the ASU provides a one-year deferral of the effective dates of the ASUs on derivatives and hedging and leases for companies that are not public business entities. The Company qualifies as a smaller reporting company and does not expect to early adopt these ASUs. In November 2019, the FASB issued ASU 2019-11, Codification Improvements to Topic 326, Financial Instruments – Credit Losses , to clarify its new credit impairment guidance in ASC 326, based on implementation issues raised by stakeholders. This Update clarified, among other things, that expected recoveries are to be included in the allowance for credit losses for these financial assets; an accounting policy election can be made to adjust the effective interest rate for existing troubled debt restructurings based on the prepayment assumptions instead of the prepayment assumptions applicable immediately prior to the restructuring event; and extends the practical expedient to exclude accrued interest receivable from all additional relevant disclosures involving amortized cost basis. The effective dates in this Update are the same as those applicable for ASU 2019-10. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740) , to simplify the accounting for income taxes, change the accounting for certain tax transactions, and make minor improvements to the codification. This Update provides a policy election to not allocate consolidated income taxes when a member of a consolidated tax return is not subject to income tax and provides guidance to evaluate whether a step-up in tax basis of goodwill relates to a business combination in which book goodwill was recognized or a separate transaction. The Update also changes current guidance for making an intraperiod allocation, if there is a loss in continuing operations and gains outside of continuing operations; determining when a deferred tax liability is recognized after an investor in a foreign entity transitions to or from the equity method of accounting; accounting for tax law changes and year-to-date losses in interim periods; and determining how to apply the income tax guidance to franchise taxes that are partially based on income. For public business entities, the amendments in this Update are effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2020. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within fiscal years beginning after December 15, 2022. This Update is not expected to have a significant impact on the Company’s financial statements. In January 2020, the FASB issued ASU 2020-1, Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) , to clarify that an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting for the purposes of applying the measurement alternative in accordance with Topic 321 immediately before applying or upon discontinuing the equity method. The amendments also clarify that, for the purpose of applying paragraph 815-10-15-141(a) an entity should not consider whether, upon the settlement of the forward contract or exercise of the purchased option, individually or with existing investments, the underlying securities would be accounted for under the equity method in Topic 323 or the fair value option, in accordance with the financial instruments guidance in Topic 825. An entity also would evaluate the remaining characteristics in paragraph 815-10-15-141 to determine the accounting for those forward contracts and purchased options. For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. This Update is not expected to have a significant impact on the Company’s financial statements.

Nature of Operations (Tables)

Nature of Operations (Tables)	12 Months Ended
Nature of Operations (Tables)	Dec. 31, 2019
Nature of Operations [Abstract]
Summary of Noninterest Income	(dollars in thousands) 2019 2018 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 301 $ 263 ATM Fees 384 398 Overdraft Fees 1,380 1,505 Safe deposit box rental 94 96 Loan related service fees 614 515 Debit card 1,424 1,330 Fiduciary activities 610 589 Commissions on mutual funds & annuities 141 185 Other income 500 782 Noninterest Income (in-scope of Topic 606) 5,448 5,663 Out-of-scope of Topic 606: Net realized gains on sales of securities 254 213 Loan servicing fees 77 48 Gain on sales of loans 169 15 Earnings on and proceeds from bank-owned life insurance 830 1,126 Noninterest Income (out-of-scope of Topic 606) 1,330 1,402 Total Noninterest Income $ 6,778 $ 7,065

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
Summary of Significant Accounting Policies (Tables)	Dec. 31, 2019
Summary of Significant Accounting Policies [Abstract]
Schedule of Estimated Useful Lives	Years Buildings and improvements 10 - 40 Furniture and equipment 3 - 10
Schedule of Estimated Future Amortization Expense for the Core Deposit Intangible	2020 $ 77 2021 52 2022 38 2023 29 2024 21 Thereafter 18 $ 235

Securities (Tables)

Securities (Tables)	12 Months Ended
Securities (Tables)	Dec. 31, 2019
Securities [Abstract]
Schedule of Amortized Cost Gross Unrealized Gains and Losses, and Fair Values of Securities	December 31, 2019 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE FOR SALE: States and political subdivisions $ 70,015 $ 1,293 $ (3) $ 71,305 Corporate obligations 4,097 3 - 4,100 Mortgage-backed securities- government sponsored entities 135,646 238 (1,084) 134,800 Total debt securities $ 209,758 $ 1,534 $ (1,087) $ 210,205 December 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE FOR SALE: States and political subdivisions $ 99,218 $ 385 $ (1,990) $ 97,613 Corporate obligations 8,896 - (256) 8,640 Mortgage-backed securities- government sponsored entities 142,197 25 (5,198) 137,024 Total debt securities $ 250,311 $ 410 $ (7,444) $ 243,277
Schedule of Investments' Gross Unrealized Losses and Fair Value Aggregated by Security Type and Length of Time that Individual Securities have been in a Continous Unrealized Loss Position	December 31, 2019 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses States and political subdivisions $ 1,296 $ (2) $ 481 $ (1) $ 1,777 $ (3) Mortgage-backed securities-government sponsored entities 32,415 (241) 61,096 (843) 93,511 (1,084) $ 33,711 $ (243) $ 61,577 $ (844) $ 95,288 $ (1,087) December 31, 2018 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses States and political subdivisions $ 19,140 $ (390) $ 56,740 $ (1,600) $ 75,880 $ (1,990) Corporate obligations 2,045 (21) 6,595 (235) 8,640 (256) Mortgage-backed securities-government sponsored entities 8,444 (22) 122,950 (5,176) 131,394 (5,198) $ 29,629 $ (433) $ 186,285 $ (7,011) $ 215,914 $ (7,444)
Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	Amortized Fair Cost Value (In Thousands) Due in one year or less $ 4,252 $ 4,264 Due after one year through five years 14,048 14,087 Due after five years through ten years 28,259 28,413 Due after ten years 27,553 28,641 74,112 75,405 Mortgage-backed securities - government sponsored entities 135,646 134,800 $ 209,758 $ 210,205

Loans Receivable and Allowanc_2

Loans Receivable and Allowance for Loan Losses (Tables)	12 Months Ended
Loans Receivable and Allowance for Loan Losses (Tables)	Dec. 31, 2019
Loans Receivable and Allowance for Loan Losses [Abstract]
Composition of the Loan Portfolio	December 31, 2019 December 31, 2018 Real Estate: Residential $ 229,781 24.9 % $ 235,523 27.7 % Commercial 391,327 42.3 374,790 44.1 Construction 17,732 1.9 17,445 2.0 Commercial, financial and agricultural 134,150 14.5 110,542 13.0 Consumer loans to individuals 151,686 16.4 112,002 13.2 Total loans 924,676 100.0 % 850,302 100.0 % Deferred fees, net (95) (120) Total loans receivable 924,581 850,182 Allowance for loan losses (8,509) (8,452) Net loans receivable $ 916,072 $ 841,730
Changes in the Accretable Yield for Purchased Credit-impaired Loans	2019 2018 Balance at beginning of period $ 29 $ 108 Additions - - Accretion (29) (56) Reclassification and other - (23) Balance at end of period $ - $ 29
Information Regarding Loans Acquired and Accounted for in Accordance With ASC 310-30	December 31, 2019 December 31, 2018 Outstanding Balance $ 793 $ 1,055 Carrying Amount $ 696 $ 886
Summary of Amount of Loans in Each Category that were Individually and Collectively Evaluated for Impairment	Real Estate Loans Commercial Consumer Residential Commercial Construction Loans Loans Total (In thousands) December 31, 2019 Individually evaluated for impairment $ - $ 2,144 $ - $ - $ - $ 2,144 Loans acquired with deteriorated credit quality 476 220 - - - 696 Collectively evaluated for impairment 229,305 388,963 17,732 134,150 151,686 921,836 Total Loans $ 229,781 $ 391,327 $ 17,732 $ 134,150 $ 151,686 $ 924,676 Real Estate Loans Commercial Consumer Residential Commercial Construction Loans Loans Total (In thousands) December 31, 2018 Individually evaluated for impairment $ - $ 1,319 $ - $ - $ - $ 1,319 Loans acquired with deteriorated credit quality 630 256 - - - 886 Collectively evaluated for impairment 234,893 373,215 17,445 110,542 112,002 848,097 Total Loans $ 235,523 $ 374,790 $ 17,445 $ 110,542 $ 112,002 $ 850,302
Impaired Loans and Related Interest Income by Loan Portfolio Class	Unpaid Principal Recorded Principal Associated Investment Balance Allowance December 31, 2019 (in thousands) With no related allowance recorded: Real Estate Loans Commercial $ 143 $ 394 $ - Subtotal 143 394 - With an allowance recorded: Real Estate Loans Commercial 2,001 2,001 417 Subtotal 2,001 2,001 417 Total: Real Estate Loans Commercial 2,144 2,395 417 Total Impaired Loans $ 2,144 $ 2,395 $ 417 Unpaid Recorded Principal Associated Investment Balance Allowance December 31, 2018 (In thousands) With no related allowance recorded: Real Estate Loans Commercial $ 1,319 $ 1,747 $ - Subtotal 1,319 1,747 - Total: Real Estate Loans Commercial 1,319 1,747 - Total Impaired Loans $ 1,319 $ 1,747 $ - The following information for impaired loans is presented for the years ended December 31, 2019 and 2018: Average Recorded Average Recorded Interest Income Investment Recognized 2019 2018 2019 2018 (In thousands) Total: Real Estate Loans Commercial $ 1,036 $ 1,220 $ 233 $ 67 Total Loans $ 1,036 $ 1,220 $ 233 $ 67
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating	Special Pass Mention Substandard Doubtful Loss Total December 31, 2019 Commercial real estate loans $ 376,109 $ 12,268 $ 2,950 $ - $ - $ 391,327 Commercial 133,695 248 207 - - 134,150 Total $ 509,804 $ 12,516 $ 3,157 $ - $ - $ 525,477 Special Pass Mention Substandard Doubtful Loss Total December 31, 2018 Commercial real estate loans $ 360,838 $ 7,918 $ 6,034 $ - $ - $ 374,790 Commercial 109,966 82 494 - - 110,542 Total $ 470,804 $ 8,000 $ 6,528 $ - $ - $ 485,332 For residential real estate loans, construction loans and consumer loans, the Company evaluates credit quality based on the performance of the individual credits. Nonperforming loans include loans that have been placed on nonaccrual status and loans remaining in accrual status on which the contractual payment of principal and interest has become 90 days past due. The following table presents the recorded investment in the loan classes based on payment activity as of December 31, 2019 and December 31, 2018 (in thousands): Performing Nonperforming Total December 31, 2019 Residential real estate loans $ 229,214 $ 567 $ 229,781 Construction 17,732 - 17,732 Consumer loans to individuals 151,607 79 151,686 Total $ 398,553 $ 646 $ 399,199 Performing Nonperforming Total December 31, 2018 Residential real estate loans $ 234,725 $ 798 $ 235,523 Construction 17,445 - 17,445 Consumer loans to individuals 112,002 - 112,002 Total $ 364,172 $ 798 $ 364,970
Loan Portfolio Summarized by the Past Due Status	Current 31-60 Days Past Due 61-90 Days Past Due Greater than 90 Days Past Due and still accruing Non-Accrual Total Past Due and Non-Accrual Total Loans December 31, 2019 Real Estate loans Residential $ 228,242 $ 727 $ 245 $ - $ 567 $ 1,539 $ 229,781 Commercial 388,117 176 2,935 - 99 3,210 391,327 Construction 17,695 - 37 - - 37 17,732 Commercial loans 134,018 82 - - 50 132 134,150 Consumer loans 151,309 233 65 - 79 377 151,686 Total $ 919,381 $ 1,218 $ 3,282 $ - $ 795 $ 5,295 $ 924,676 Current 31-60 Days Past Due 61-90 Days Past Due Greater than 90 Days Past Due and still accruing Non-Accrual Total Past Due and Non-Accrual Total Loans December 31, 2018 Real Estate loans Residential $ 234,201 $ 373 $ 151 $ - $ 798 $ 1,322 $ 235,523 Commercial 372,617 1,043 788 - 342 2,173 374,790 Construction 17,445 - - - - - 17,445 Commercial loans 110,191 320 31 - - 351 110,542 Consumer loans 111,796 171 35 - - 206 112,002 Total $ 846,250 $ 1,907 $ 1,005 $ - $ 1,140 $ 4,052 $ 850,302
Allowance for Loan Losses and Recorded Investment in Financing Receivables	The following table presents the allowance for loan losses by the classes of the loan portfolio: (In thousands) Residential Real Estate Commercial Real Estate Construction Commercial Consumer Total Beginning balance, December 31, 2018 $ 1,328 $ 5,455 $ 93 $ 712 $ 864 $ 8,452 Charge Offs (102) (627) - (284) (420) (1,433) Recoveries 24 125 - 48 43 240 Provision for loan losses 302 (266) 2 473 739 1,250 Ending balance, December 31, 2019 $ 1,552 $ 4,687 $ 95 $ 949 $ 1,226 $ 8,509 Ending balance individually evaluated for impairment $ - $ 417 $ - $ - $ - $ 417 Ending balance collectively evaluated for impairment $ 1,552 $ 4,270 $ 95 $ 949 $ 1,226 $ 8,092 (In thousands) Residential Real Estate Commercial Real Estate Construction Commercial Consumer Total Beginning balance, December 31, 2017 $ 1,272 $ 5,265 $ 90 $ 463 $ 544 $ 7,634 Charge Offs (197) (283) - (246) (263) (989) Recoveries 9 33 - 8 32 82 Provision for loan losses 244 440 3 487 551 1,725 Ending balance, December 31, 2018 $ 1,328 $ 5,455 $ 93 $ 712 $ 864 $ 8,452 Ending balance individually evaluated for impairment $ - $ - $ - $ - $ - $ - Ending balance collectively evaluated for impairment $ 1,328 $ 5,455 $ 93 $ 712 $ 864 $ 8,452

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
Premises and Equipment (Tables)	Dec. 31, 2019
Premises and Equipment [Abstract]
Componenets of Premises and Equipment	Components of premises and equipment at December 31 are as follows: 2019 2018 (In Thousands) Land and improvements $ 2,806 $ 2,832 Buildings and improvements 17,914 17,788 Furniture and equipment 8,164 7,171 28,884 27,791 Accumulated depreciation (14,656) (13,945) $ 14,228 $ 13,846

Deposits (Tables)

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Dec. 31, 2019
Deposits [Abstract]
Schedule of Maturities of Time Deposits	2020 $ 258,645 2021 38,394 2022 26,580 2023 24,162 2024 12,937 $ 360,718

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
Borrowings (Tables)	Dec. 31, 2019
Borrowings [Abstract]
Short-Term Borrowings	Short-term borrowings at December 31 consist of the following: 2019 2018 (In Thousands) Securities sold under agreements to repurchase $ 30,505 $ 37,457 Federal Home Loan Bank short-term borrowings 31,751 15,589 $ 62,256 $ 53,046 The outstanding balances and related information of short-term borrowings are summarized as follows: Years Ended December 31, 2019 2018 (Dollars In Thousands) Average balance during the year $ 48,945 $ 41,963 Average interest rate during the year 0.96 % 0.77 % Maximum month-end balance during the year $ 62,256 $ 53,046 Weighted average interest rate at the end of the year 1.30 % 1.27 %
Collateral Pledged for Repurchase Agreements	As of December 31, 2019 Remaining Contractual Maturity of the Agreements Overnight and continuous Up to 30 days 30-90 days Greater than 90 days Total Repurchase Agreements: Mortgage-backed securities - government sponsored entities $36,195 $ - $ - $ - $36,195 Total liability recognized for repurchase agreements $30,505 As of December 31, 2018 Remaining Contractual Maturity of the Agreements Overnight and continuous Up to 30 days 30-90 days Greater than 90 days Total Repurchase Agreements: Mortgage-backed securities - government sponsored entities $40,161 $ - $ - $ - $40,161 Total liability recognized for repurchase agreements $37,457
Other Borrowings	2019 2018 (In Thousands) Amortizing fixed rate borrowing due January 2019 at 1.39% $ - $ 423 Fixed rate term borrowing due August 2019 at 1.61% - 10,000 Fixed rate term borrowing due May 2020 at 1.85% 5,000 - Amortizing fixed rate borrowing due June 2020 at 1.49% 1,034 3,079 Amortizing fixed rate borrowing due July 2020 at 2.77% 2,974 7,962 Amortizing fixed rate borrowing due December 2020 at 1.71% 2,538 5,000 Amortizing fixed rate borrowing due December 2020 at 3.06% 1,034 2,051 Amortizing fixed rate borrowing due March 2022 at 1.75% 2,009 2,877 Amortizing fixed rate borrowing due August 2022 at 1.94% 5,351 - Amortizing fixed rate borrowing due October 2022 at 1.88% 4,626 6,200 Amortizing fixed rate borrowing due October 2023 at 3.24% 7,809 9,692 Amortizing fixed rate borrowing due December 2023 at 3.22% 4,063 5,000 Fixed rate term borrowing due December 2023 at 1.95% 10,000 - Amortizing fixed rate borrowing due December 2023 at 1.73% 10,000 - $ 56,438 $ 52,284
Contractual Maturities of Other Borrowings	2020 $ 22,435 2021 10,080 2022 8,654 2023 15,269 $ 56,438

Operating Leases (Tables)

Operating Leases (Tables)	12 Months Ended
Operating Leases (Tables)	Dec. 31, 2019
Operating Leases [Abstract]
Lease Cost	Operating Weighted-average remaining term 13.2 Weighted-average discount rate 3.21%
Undiscounted Cash Flows Due	Undiscounted cash flows due (in thousands) Operating 2020 $ 535 2021 535 2022 535 2023 535 2024 544 2025 and thereafter 3,879 Total undiscounted cash flows 6,563 Discount on cash flows (1,247) Total lease liabilities $ 5,316

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
Employee Benefit Plans (Tables)	Dec. 31, 2019
Employee Benefit Plans [Abstract]
Schedule Of Projected Benefit Obligation And Changes In Plan Assets For The Defined Benefit Pension Plan	(in Thousands of Dollars) 2019 2018 Change in projected benefit obligation: Projected benefit obligation at beginning of year $ (7,186) $ (8,465) Service cost (55) (64) Interest cost (312) (279) Actuarial gain (loss) (515) 1,040 Benefits paid 553 582 Benefit obligation at end of year $ (7,515) $ (7,186) Change in plan assets: Fair value of plan assets at beginning of year $ 6,136 $ 7,110 Actual return on plan assets 1,275 (401) Benefits paid (558) (573) Fair value of assets at end of year 6,853 6,136 Funded status at end of year $ (662) $ (1,050)
Schedule of Amounts Recognized in Accumulated Other Comprehensive Income	2019 2018 Transition asset $ - $ - Prior service credit - - Gain 375 207 Total $ 375 $ 207
Components Of Net Pension Cost (Income)	2019 2018 Service cost benefits earned during the period $ 55 $ 64 Interest cost on projected benefit obligation 312 279 Actual return on assets (379) (441) Net amortization and deferral - - NET PERIODIC PENSION COST (INCOME) $ (12) $ (98)
Schedule of Weighted Average Assumptions Used to Determine the Benefit Obligation and the Net Periodic Cost	The weighted average assumptions used to determine the benefit obligation at December 31 are as follows: 2019 2018 Discount rate 3.55 % 4.54 % The weighted average assumptions used to determine the net periodic pension cost at December 31 are as follows: 2019 2018 Discount rate 4.54 % 3.43 % Expected long-term return on plan assets 6.50 % 6.50 % Rate of compensation increase 0.00 % 0.00 %
Schedule Of Target Asset Allocations	2019 2018 Cash equivalents 0.0 % 4.2 % Equity securities 31.7 % 46.1 % Fixed income securities 57.7 % 45.8 % Other 10.6 % 3.9 % 100.0 % 100.0 %
Schedule of Asset Allocation and Fair Value of Plan Assets	December 31, 2019 Quoted Market Other Price in Observable Unobservable Active Markets Inputs Inputs Total (Level 1) (Level 2) (Level 3) (in thousands of dollars) Cash equivalents: Cash (including foreign currencies) $ 6 $ 6 $ - $ - Equity securities: Common stock 3,066 3,066 - - Depository receipts 47 47 - - Preferred stock 22 22 - - Fixed income securities: Corporate bonds 678 - 678 - Government issue 2,860 - 2,560 - Collateralized mortgage obligations 174 - 174 - Other - - - - Total $ 6,853 $ 3,141 $ 3,412 $ - December 31, 2018 Quoted Market Other Price in Observable Unobservable Active Markets Inputs Inputs Total (Level 1) (Level 2) (Level 3) (in thousands of dollars) Cash equivalents: Cash (including foreign currencies) $ 6 $ 6 $ - $ - Short-term investment funds 0 - 0 - Equity securities: Common stock 2,475 2,475 - - Depository receipts 42 42 - - Commingled Pension Trust Fund 0 - 0 - Preferred stock 20 20 - - Fixed income securities: Corporate bonds 608 - 608 - Government issue 2,228 - 2,228 - Mortgage-backed securities 0 - 0 - Collateralized mortgage obligations 156 - 156 - Commingled Pension Trust Fund 0 - 0 - Other 601 - - 601 Total $ 6,136 $ 2,543 $ 2,992 $ 601
Schedule of Changes in Level 3 Assets	2019 2018 Balance, January 1 $ 601 $ 255 Realized gain 187 - Purchase - - Sales (610) - Unrealized gain (loss) (178) 346 Balance, December 31 $ - $ 601

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
Income Taxes (Tables)	Dec. 31, 2019
Income Taxes [Abstract]
Schedule of Components of the Provision for Federal Income Taxes	Years Ended December 31, 2019 2018 (In Thousands) Current $ 1,620 $ 2,529 Deferred 988 24 $ 2,608 $ 2,553
Schedule of Effective Income Tax Rate Reconciliation	Percentage of Income before Income Taxes Years Ended December 31, 2019 2018 Tax at statutory rates 21.0 % 21.0 % Tax exempt interest income, net of interest expense disallowance (4.4) (4.9) Earnings and proceeds on life insurance (1.0) (1.1) Other (0.1) 0.8 15.5 % 15.8 %
Schedule of Deferred Tax Assets and Liabilties	2019 2018 (In Thousands) Deferred tax assets: Allowance for loan losses $ 1,787 $ 1,775 Deferred compensation 797 766 Core deposit intangible 141 278 Prepaid expenses 55 90 Pension liability 360 363 Foreclosed real estate valuation allowance 17 20 AMT tax credit carryforward - 260 Net operating loss carryforward 968 1,173 Net unrealized loss on securities - 1,477 Other 122 95 Total Deferred Tax Assets 4,247 6,297 Deferred tax liabilities: Premises and equipment 598 223 Deferred loan fees 220 186 Net unrealized gain on pension liability 221 143 Purchase price adjustment 327 321 Net unrealized gain on securities 94 - Total Deferred Tax Liabilities 1,460 873 Net Deferred Tax Asset $ 2,787 $ 5,424

Regulatory Matters and Stockh_2

Regulatory Matters and Stockholders' Equity (Tables)	12 Months Ended
Regulatory Matters and Stockholders' Equity (Tables)	Dec. 31, 2019
Regulatory Matters and Stockholders' Equity [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	To be Well Capitalized under Prompt For Capital Adequacy Corrective Action Actual Purposes Provision Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) As of December 31, 2019: Total capital (to risk-weighted assets) $ 132,507 14.01 % ≥$75,674 ≥8.00 % ≥$94,593 ≥10.00 % Tier 1 capital (to risk-weighted assets) 123,999 13.11 ≥56,756 ≥6.00 ≥75,674 ≥8.00 Common Equity Tier 1 capital (to risk-weighted assets) 123,999 13.11 ≥42,567 ≥4.50 ≥61,485 ≥6.50 Tier 1 capital (to average assets) 123,999 10.18 ≥48,735 ≥4.00 ≥60,918 ≥5.00 As of December 31, 2018: Total capital (to risk-weighted assets) $ 122,917 14.00 % ≥$70,248 ≥8.00 % ≥$87,810 ≥10.00 % Tier 1 capital (to risk-weighted assets) 114,465 13.04 ≥52,686 ≥6.00 ≥70,248 ≥8.00 Common Equity Tier 1 capital (to risk-weighted assets) 114,465 13.04 ≥39,515 ≥4.50 ≥57,077 ≥6.50 Tier 1 capital (to average assets) 114,465 9.82 ≥46,619 ≥4.00 ≥58,273 ≥5.00

Stock Based Compensation (Table

Stock Based Compensation (Tables)	12 Months Ended
Stock Based Compensation (Tables)	Dec. 31, 2019
Stock Based Compensation [Abstract]
Summary of Stock Option Activity	2019 2018 Weighted Weighted Average Average Average Average Exercise Intrinsic Exercise Intrinsic Options Price Value Options Price Value Outstanding, beginning of year 208,700 $ 22.54 212,725 $ 20.76 Granted 26,750 36.02 28,900 32.34 Exercised (32,350) 19.71 (28,275) 18.39 Forfeited (3,275) 24.31 (4,650) 27.08 Outstanding, end of year 199,825 $ 24.78 $ 2,822,470 208,700 $ 22.54 $ 2,182,537 Exercisable, end of year 173,075 $ 23.04 $ 2,745,430 179,800 $ 20.97 $ 2,163,463
Schedule of Fair Value Assumptions	Years Ended December 31, 2019 2018 Dividend yield 3.59% 3.72% Expected life 10 years 10 years Expected volatility 29.08% 29.10% Risk-free interest rate 1.92% 2.68% Weighted average fair value of options granted $ 7.61 $ 7.18
Schedule of Outstanding Stock Options	Average Average Options Exercise Remaining Options Exercise Outstanding Price Life, Years Exercisable Price 13,200 $ 16.83 1.0 13,200 $ 16.83 18,825 16.65 2.0 18,825 16.65 23,925 18.03 3.0 23,925 18.03 1,650 18.36 3.0 1,650 18.36 3,000 19.30 3.8 3,000 19.30 20,875 17.93 4.0 20,875 17.93 8,250 19.39 4.9 8,250 19.39 11,250 19.03 5.9 11,250 19.03 16,250 22.37 7.0 16,250 22.37 29,500 32.81 8.0 29,500 32.81 26,350 32.34 9.0 26,350 32.34 26,750 36.02 10.0 - - Total 199,825 173,075
Summary of Restricted Stock Activity	2019 2018 Weighted-Average Weighted-Average Number of Grant Date Number of Grant Date Shares Fair Value Shares Fair Value Non-vested, beginning of year 34,615 $27.82 30,415 $24.46 Granted 13,100 36.02 13,100 32.34 Vested (11,520) 25.12 (8,900) 23.00 Forfeited - - - - Non-vested at December 31 36,195 $31.65 34,615 $27.82

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
Earnings Per Share (Tables)	Dec. 31, 2019
EARNINGS PER SHARE
Computations of Basic and Diluted Earnings Per Share	Years Ended December 31, 2019 2018 (In Thousands, Except Per Share Data) Numerator, net income $ 14,215 $ 13,651 Denominator: Weighted average shares outstanding 6,295 6,263 Less: Weighted average unvested restricted shares (35) (31) Denominator: Basic earnings per share 6,260 6,232 Weighted average shares outstanding, basic 6,260 6,232 Add: Dilutive effect of stock options and restricted stock 72 58 Denominator: Diluted earnings per share 6,332 6,290 Basic earnings per common share $ 2.27 $ 2.19 Diluted earnings per common share $ 2.25 $ 2.17

Off-Balance Sheet Financial I_2

Off-Balance Sheet Financial Instruments (Tables)	12 Months Ended
Off-Balance Sheet Financial Instruments (Tables)	Dec. 31, 2019
Off-Balance Sheet Financial Instruments [Abstract]
Schedule of Fair Value, Off-balance Sheet Risks	December 31, 2019 2018 (In Thousands) Commitments to grant loans $ 44,246 $ 45,246 Unfunded commitments under lines of credit 56,840 71,906 Standby letters of credit 3,668 4,269 $ 104,754 $ 121,421

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	12 Months Ended
Fair Value of Financial Instruments (Tables)	Dec. 31, 2019
Fair Value of Financial Instruments [Abstract]
Fair Value, Assets Measured on Recurring Basis	Fair Value Measurement Reporting Date using Description Total Level 1 Level 2 Level 3 December 31, 2019 Available for Sale: States and political subdivisions $ 71,305 $ - $ 71,305 $ - Corporate obligations 4,100 - 4,100 - Mortgage-backed securities-government sponsored entities 134,800 - 134,800 - Total available for sale $ 210,205 $ - $ 210,205 $ - December 31, 2018 Available for Sale: U.S. Treasury securities $ - $ - $ - $ - States and political subdivisions 97,613 - 97,613 - Corporate obligations 8,640 - 8,640 - Mortgage-backed securities-government sponsored entities 137,024 - 137,024 - Total available for sale $ 243,277 $ - $ 243,277 $ -
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	Fair Value Measurement Reporting Date using Description Total Level 1 Level 2 Level 3 December 31, 2019 Impaired Loans $ 1,584 $ - $ - $ 1,584 Foreclosed real estate 1,556 - - 1,556 December 31, 2018 Impaired Loans $ 1,319 $ - $ - $ 1,319 Foreclosed real estate 1,115 - - 1,115
Additional Qualitative Information about Level 3 Assets	Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) December 31, 2019 Impaired loans $ 1,531 Appraisal of collateral(1) Appraisal adjustments(2) 10.00% ( 10.00% ) Impaired loans $ 53 Present value of future cash flows Loan discount rate 4.00 -6.97% ( 5.55% ) Probability of default 0% Foreclosed real estate owned $ 1,556 Appraisal of collateral(1) Liquidation Expenses(2) 0 -7.00% ( 4.34% ) Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) December 31, 2018 Impaired loans $ 232 Appraisal of collateral(1) Appraisal adjustments(2) 10.00 -81.54% ( 56.06% ) Impaired loans $ 1,087 Present value of future cash flows Loan discount rate 4.00 -6.00% ( 5.80% ) Probability of default 0% Foreclosed real estate owned $ 1,115 Appraisal of collateral(1) Liquidation Expenses(2) 7.00 -85.71% ( 7.80% ) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable, less any associated allowance. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
Fair Value, by Balance Sheet Grouping	Fair Value Measurements at December 31, 2019 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents (1) $ 15,415 $ 15,415 $ 15,415 $ - $ - Loans receivable, net 916,072 943,143 - - 943,143 Mortgage servicing rights 187 226 - - 226 Regulatory stock (1) 4,844 4,844 4,844 - - Bank owned life insurance (1) 38,763 38,763 38,763 - - Accrued interest receivable (1) 3,719 3,719 3,719 - - Financial liabilities: Deposits 957,529 961,120 596,811 - 364,309 Short-term borrowings (1) 62,256 62,256 62,256 - - Other borrowings 56,438 56,618 - - 56,618 Accrued interest payable (1) 2,432 2,432 2,432 - - Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit - - - - - Fair Value Measurements at December 31, 2018 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents (1) $ 18,348 $ 18,348 $ 18,348 $ - $ - Loans receivable, net 841,730 840,134 - - 840,134 Mortgage servicing rights 178 220 - - 220 Regulatory stock (1) 3,926 3,926 3,926 - - Bank owned life insurance (1) 37,932 37,932 37,932 - - Accrued interest receivable (1) 3,776 3,776 3,776 - - Financial liabilities: Deposits 946,780 945,773 601,604 - 344,169 Short-term borrowings (1) 53,046 53,046 53,046 - - Other borrowings 52,284 52,043 - - 52,043 Accrued interest payable (1) 1,806 1,806 1,806 - - Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit - - - - - (1) This financial instrument is carried at cost, which approximates the fair value of the instrument.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
Accumulated Other Comprehensive Income (Loss) (Tables)	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss) [Abstract]
Summary of Changes In Accumulated Other Comprehensive Income (Loss)	Unrealized gains (losses) on available for sale Unrealized gain (loss) on securities (a) pension liability (a) Total (a) Balance as of December 31, 2018 $ (5,558) $ 538 $ (5,020) Other comprehensive income (loss) before reclassification 6,113 295 6,408 Amount reclassified from accumulated other comprehensive loss (201) - (201) Total other comprehensive income 5,912 295 6,207 Balance as of December 31, 2019 $ 354 $ 833 $ 1,187 Unrealized gains (losses) on available for sale Unrealized gain on securities (a) pension liability (a) Total (a) Balance as of December 31, 2017 $ (3,041) $ 374 $ (2,667) Other comprehensive income (loss) before reclassification (2,349) 164 (2,185) Amount reclassified from accumulated other comprehensive loss (168) - (168) Total other comprehensive (loss) (2,517) 164 (2,353) Balance as of December 31, 2018 $ (5,558) $ 538 $ (5,020) (a) All amounts are net of tax. Amounts in parentheses indicate debits.
Significant Amounts Reclassified Out of Each Component of Accumulated Other Comprehensive Income (Loss)	Amount Reclassified From Accumulated Affected Line Item in Other Consolidated Comprehensive Statement of Details about other comprehensive income Income (Loss) (a) Income Twelve months Twelve months ended ended December 31, December 31, 2019 2018 Unrealized gains on available for sale securities $ 254 $ 213 Net realized gains on sales of securities (53) (45) Income tax expense $ 201 $ 168 (a) Amounts in parentheses indicate debits to net income.

Norwood Financial Corp (Paren_2

Norwood Financial Corp (Parent Company Only) Financial Information (Tables) - Parent Company [Member]	12 Months Ended
	Dec. 31, 2019
Condensed Financial Statements, Captions [Line Items]
Parent Company Only - Balance Sheets	BALANCE SHEETS December 31, 2019 2018 (In Thousands) ASSETS Cash on deposit in bank subsidiary $ 2,848 $ 2,509 Investment in bank subsidiary 135,433 120,511 Other assets 1,875 1,739 Total assets $ 140,156 $ 124,759 LIABILITIES AND STOCKHOLDERS’ EQUITY Liabilities $ 2,728 $ 2,474 Stockholders’ equity 137,428 122,285 Total liabilities and stockholders' equity $ 140,156 $ 124,759
Parent Company Only - Statements of Income	STATEMENTS OF INCOME Years Ended December 31, 2019 2018 Income: (In Thousands) Dividends from bank subsidiary $ 6,113 $ 5,643 Expenses 637 618 5,476 5,025 Income tax benefit (232) (217) 5,708 5,242 Equity in undistributed earnings of subsidiary 8,507 8,409 Net Income $ 14,215 $ 13,651 Comprehensive Income $ 20,422 $ 11,298
Parent Company Only - Statements of Cash Flows	STATEMENTS OF CASH FLOWS Years Ended December 31, 2019 2018 (In Thousands) CASH FLOWS FROM OPERATING ACTIVITIES Net income $ 14,215 $ 13,651 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of bank subsidiary (8,507) (8,409) Decrease in deferred income tax - 1,158 Other, net 335 387 Net Cash Provided by Operating Activities 6,043 6,787 CASH FLOWS FROM INVESTING ACTIVITIES Investment in bank subsidiary - (4,000) Net Cash (Used in) Provided by Investing Activities - (4,000) CASH FLOWS FROM FINANCING ACTIVITIES Stock options exercised 638 520 Sale of treasury stock for ESOP 127 123 Acquisition of treasury stock (428) (194) Cash dividends paid (6,041) (5,509) Net Cash Used in Financing Activities (5,704) (5,060) Net (Decrease) Increase in Cash and Cash Equivalents 339 (2,273) CASH AND CASH EQUIVALENTS - BEGINNING 2,509 4,782 CASH AND CASH EQUIVALENTS - ENDING $ 2,848 $ 2,509

Nature of Operations (Narrative

Nature of Operations (Narrative) (Details)	12 Months Ended
Nature of Operations (Narrative) (Details)	Dec. 31, 2019segment
Nature of Operations [Abstract]
Number of Reportable Segments	1

Nature of Operations (Nonintere

Nature of Operations (Noninterest Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Noninterest Income (in scope of Topic 606)	$ 5,448	$ 5,663
Net realized gains on sales of securities	254	213
Loan servicing fees	77	48
Gain on sales of loans	169	15
Earnings on and proceeds from bank-owned life insurance	830	1,126
Noninterest Income (out-of-scope of Topic 606)	1,330	1,402
Total Other Income	6,778	7,065
Service Charges On Deposit Accounts [Member]
Noninterest Income (in scope of Topic 606)	301	263
ATM Fees [Member]
Noninterest Income (in scope of Topic 606)	384	398
Overdraft Fees [Member]
Noninterest Income (in scope of Topic 606)	1,380	1,505
Safe Deposit Box Rental [Member]
Noninterest Income (in scope of Topic 606)	94	96
Loan Related Service Fees [Member]
Noninterest Income (in scope of Topic 606)	614	515
Debit Card [Member]
Noninterest Income (in scope of Topic 606)	1,424	1,330
Fiduciary Activities [Member]
Noninterest Income (in scope of Topic 606)	610	589
Commissions On Mutual Funds And Annuities [Member]
Noninterest Income (in scope of Topic 606)	141	185
Other Income [Member]
Noninterest Income (in scope of Topic 606)	$ 500	$ 782

Summary of Significant Accoun_4

Summary of Significant Accounting Policies (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Jan. 01, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Regulatory Stock, Par Value	$ 100
Impairment of investments	$ 0
Loan servicing assets, impairment	0	$ 0
Servicing Assets	187,000	178,000
Goodwill	11,331,000	11,331,000
Goodwill, Impairment Loss	0	0
Intangible Assets, Net (Excluding Goodwill)	235,000	336,000
Finite-Lived Intangible Assets, Accumulated Amortization	$ 1,110,000	1,008,000
Finite-Lived Intangible Assets, Amortization Method	sum-of-the-years digits method
Finite-Lived Intangible Asset, Useful Life	10 years
Amortization of Intangibles	$ 101,000	126,000
Unrecognized Tax Benefits	0	$ 0
Unrecognized tax benefits expected within next twelve months	$ 0
Accounting Standards Update 2016-02 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Right-of-use assets			$ 5,300,000

Summary of Significant Accoun_5

Summary of Significant Accounting Policies (Schedule of Estimated Useful Lives ) (Details)	12 Months Ended
	Dec. 31, 2019
Minimum [Member] \| Buildings and improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	10 years
Minimum [Member] \| Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Maximum [Member] \| Buildings and improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	40 years
Maximum [Member] \| Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	10 years

Summary of Significant Accoun_6

Summary of Significant Accounting Policies (Schedule of Estimated Future Amortization Expense for the Core Deposit Intangible) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Summary of Significant Accounting Policies [Abstract]
2020	$ 77
2021	52
2022	38
2023	29
2024	21
Thereafter	18
Amortization Expense for the Core Deposit Intangible, Total	$ 235

Securities (Narrative) (Details

Securities (Narrative) (Details)	12 Months Ended
Securities (Narrative) (Details)	Dec. 31, 2019USD ($)security	Dec. 31, 2018USD ($)
Securities [Abstract]
Debt securities in unrealized loss position in the less than twelve months category \| security	33
Debt securities in unrealized loss position in the twelve months or more category \| security	57
Impairment of investments	$ 0
Available-for-sale Securities Pledged as Collateral	157,233,000	$ 193,918,000
Gross realized gains	254,000	213,000
Gross realized losses	$ 0	$ 0

Securities (Schedule of Amortiz

Securities (Schedule of Amortized Cost Gross Unrealized Gains and Losses, and Fair Values of Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Schedule of Investments [Line Items]
Available for Sale, Gross Unrealized Gains
Available for Sale, Fair Value	$ 210,205	243,277
Fixed income [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	209,758	250,311
Available for Sale, Gross Unrealized Gains	1,534	410
Available for Sale, Gross Unrealized Losses	(1,087)	(7,444)
Available for Sale, Fair Value	210,205	243,277
State and municipal [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	70,015	99,218
Available for Sale, Gross Unrealized Gains	1,293	385
Available for Sale, Gross Unrealized Losses	(3)	(1,990)
Available for Sale, Fair Value	71,305	97,613
Corporate Obligations [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	4,097	8,896
Available for Sale, Gross Unrealized Gains	3
Available for Sale, Gross Unrealized Losses		(256)
Available for Sale, Fair Value	4,100	8,640
Mortgage-backed Securities-Government Sponsored Entities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	135,646	142,197
Available for Sale, Gross Unrealized Gains	238	25
Available for Sale, Gross Unrealized Losses	(1,084)	(5,198)
Available for Sale, Fair Value	$ 134,800	$ 137,024

Securities (Schedule of Investm

Securities (Schedule of Investments' Gross Unrealized Losses and Fair Value Aggregated by Security Type and Length of Time that Individual Securities have been in a Continuous Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
State and municipal [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	$ 1,296	$ 19,140
Less than 12 Months, Unrealized Losses	(2)	(390)
12 Months or More, Fair Value	481	56,740
12 Months or More, Unrealized Losses	(1)	(1,600)
Total, Fair Value	1,777	75,880
Total, Unrealized Losses	(3)	(1,990)
Corporate Obligations [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value		2,045
Less than 12 Months, Unrealized Losses		(21)
12 Months or More, Fair Value		6,595
12 Months or More, Unrealized Losses		(235)
Total, Fair Value		8,640
Total, Unrealized Losses		(256)
Mortgage-backed Securities-Government Sponsored Entities [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	32,415	8,444
Less than 12 Months, Unrealized Losses	(241)	(22)
12 Months or More, Fair Value	61,096	122,950
12 Months or More, Unrealized Losses	(843)	(5,176)
Total, Fair Value	93,511	131,394
Total, Unrealized Losses	(1,084)	(5,198)
Fixed income [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	33,711	29,629
Less than 12 Months, Unrealized Losses	(243)	(433)
12 Months or More, Fair Value	61,577	186,285
12 Months or More, Unrealized Losses	(844)	(7,011)
Total, Fair Value	95,288	215,914
Total, Unrealized Losses	$ (1,087)	$ (7,444)

Securities (Schedule of Amort_2

Securities (Schedule of Amortized Cost and Fair Value Of Debt Securities by Contractual Maturity) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Securities [Abstract]
Available for Sale, Amortized Cost, Due in one year or less	$ 4,252
Available for Sale, Amortized Cost, Due after one year through five years	14,048
Available for Sale, Amortized Cost, Due after five years through ten years	28,259
Available for Sale, Amortized Cost, Due after ten years	27,553
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis, Total	74,112
Available for Sale, Amortized Cost, Mortgage-backed securities- government sponsored agencies	135,646
Available for Sale, Amortized Cost, Total	209,758
Available for Sale, Fair Value, Due in one year or less	4,264
Available for Sale, Fair Value, Due after one year through five years	14,087
Available for Sale, Fair Value, Due after five years through ten years	28,413
Available for Sale, Fair Value, Due after ten years	28,641
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Total	75,405
Available for Sale, Fair Value, Mortgage-backed securities-government sponsored agencies	134,800
Available for Sale, Fair Value, Total	$ 210,205

Loans Receivable and Allowanc_3

Loans Receivable and Allowance for Loan Losses (Narrative) (Details)	12 Months Ended
	Dec. 31, 2019USD ($)loan	Dec. 31, 2018USD ($)loan	Dec. 31, 2017USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment	$ 0
Impaired Financing Receivable, Related Allowance
Real Estate Acquired Through Foreclosure	1,556,000	1,115,000
Annual Loan Review threshold, amount	1,500,000
Loans and Leases Receivable, Gross	924,676,000	850,302,000
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	417,000	86,100,000
Allowance for Loan and Lease Losses, Adjustments, Other	447,000
Allowance for Loan and Lease Losses, Period Increase (Decrease)	57,000	818,000
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	101,000	98,000
Allowance for Loan and Lease Losses, Real Estate	$ 8,509,000	$ 8,452,000	$ 7,634,000
Historical loss factor	0.15%	0.26%
Servicing Asset at Amortized Cost	$ 28,500,000	$ 26,800,000
Commercial Rentals [Member] \| Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	$ 84,600,000
Concentration Risk, Percentage	65.00%
Hospitality Lodging Industry [Member] \| Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	$ 64,600,000
Concentration Risk, Percentage	49.60%
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number Of Properties Under Foreclosure Proceedings \| loan	3
Mortgage Loans in Process of Foreclosure, Amount	$ 299,000
Loans and Leases Receivable, Gross	229,781,000	235,523,000
Proceeds from Sale of Mortgage Loans Held-for-sale	4,838,000	767,000
Gross Realized Gains on Loans	123,000	15,000
Gross Realized Losses on Loans	0	0
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, Related Allowance
Loans and Leases Receivable, Gross	391,327,000	$ 374,790,000
Historical loss factor		0.26%	0.41%
Troubled Debt Restructured Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Post-Modification Recorded Investment	$ 99,000	$ 1,100,000
Impaired Financing Receivable, Related Allowance		$ 0
New Loans Identified as Troubled Debt Restructurings, Number of Loans \| loan	0	0
Mortgage Loans on Real Estate, Number of Foreclosures \| loan	1	1
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Foreclosure		$ 977,000	$ 23,000
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	$ 451,000

Loans Receivable and Allowanc_4

Loans Receivable and Allowance for Loan Losses (Composition of the Loan Portfolio) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 924,676	$ 850,302
Deferred fees, net	(95)	(120)
Total loans receivable	924,581	850,182
Allowance for loan losses	(8,509)	(8,452)	$ (7,634)
Net loans receivable	$ 916,072	$ 841,730
Percent of Loans	100.00%	100.00%
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 229,781	$ 235,523
Allowance for loan losses	$ (1,552)	$ (1,328)	(1,272)
Percent of Loans	24.90%	27.70%
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 391,327	$ 374,790
Allowance for loan losses	$ (4,687)	$ (5,455)	(5,265)
Percent of Loans	42.30%	44.10%
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 17,732	$ 17,445
Allowance for loan losses	$ (95)	$ (93)	(90)
Percent of Loans	1.90%	2.00%
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 134,150	$ 110,542
Allowance for loan losses	$ (949)	$ (712)	(463)
Percent of Loans	14.50%	13.00%
Consumer Loans To Individuals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 151,686	$ 112,002
Allowance for loan losses	$ (1,226)	$ (864)	$ (544)
Percent of Loans	16.40%	13.20%

Loans Receivable and Allowanc_5

Loans Receivable and Allowance for Loan Losses (Changes in the Accretable Yield for Purchased Credit Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans Receivable and Allowance for Loan Losses [Abstract]
Balance at beginning of period	$ 29	$ 108
Additions
Accretion	(29)	(56)
Reclassification and other		(23)
Balance at end of period		$ 29

Loans Receivable and Allowanc_6

Loans Receivable and Allowance for Loan Losses (Information Regarding Loans Acquired and Accounted for in Accordance with ASC 310-30) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans Receivable and Allowance for Loan Losses [Abstract]
Outstanding Balance	$ 793	$ 1,055
Carrying Amount	$ 696	$ 886

Loans Receivable and Allowanc_7

Loans Receivable and Allowance for Loan Losses (Summary of Amount of Loans in Each Category that were Individually and Collectively Evaluated for Impairment) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 2,144	$ 1,319
Loans acquired with deteriorated credit quality	696	886
Collectively evaluated for impairment	921,836	848,097
Total Loans	924,676	850,302
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired with deteriorated credit quality	476	630
Collectively evaluated for impairment	229,305	234,893
Total Loans	229,781	235,523
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	2,144	1,319
Loans acquired with deteriorated credit quality	220	256
Collectively evaluated for impairment	388,963	373,215
Total Loans	391,327	374,790
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment	17,732	17,445
Total Loans	17,732	17,445
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment	134,150	110,542
Total Loans	134,150	110,542
Consumer Loans To Individuals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment	151,686	112,002
Total Loans	$ 151,686	$ 112,002

Loans Receivable and Allowanc_8

Loans Receivable and Allowance for Loan Losses (Impaired Loans and Related Interest Income by Loan Portfolio Class) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment		$ 1,319
Impaired Financing Receivable, Recorded Investment		1,319
Unpaid Principal Balance, With no related allowance recorded		1,747
Unpaid Principal Balance, Total		1,747
Associated Allowance
Average Recorded Investment, Total	$ 1,036	1,220	$ 0
Interest Income Recognized, Total	233	67	0
Impaired Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	143
Impaired Financing Receivable, with Related Allowance, Recorded Investment	2,001
Impaired Financing Receivable, Recorded Investment	2,144	1,319
Unpaid Principal Balance, With no related allowance recorded	394
Unpaid Principal Balance, With an allowance recorded	2,001
Unpaid Principal Balance, Total	2,395
Commercial Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment		1,319
Impaired Financing Receivable, Recorded Investment		1,319
Unpaid Principal Balance, With no related allowance recorded		1,747
Unpaid Principal Balance, Total		1,747
Associated Allowance
Average Recorded Investment, Total	1,036	1,220	0
Interest Income Recognized, Total	233	$ 67	$ 0
Commercial Real Estate Loans [Member] \| Impaired Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	143
Impaired Financing Receivable, with Related Allowance, Recorded Investment	2,001
Impaired Financing Receivable, Recorded Investment	2,144
Unpaid Principal Balance, With no related allowance recorded	394
Unpaid Principal Balance, With an allowance recorded	2,001
Unpaid Principal Balance, Total	2,395
Associated Allowance	$ 417

Loans Receivable and Allowanc_9

Loans Receivable and Allowance for Loan Losses (Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Total Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	$ 525,477	$ 485,332
Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	509,804	470,804
Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	12,516	8,000
Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	3,157	6,528
Doubtful Or Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		0
Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		0
Total Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	399,199	364,970
Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	398,553	364,172
Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	646	798
Commercial Real Estate Loans [Member] \| Total Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	391,327	374,790
Commercial Real Estate Loans [Member] \| Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	376,109	360,838
Commercial Real Estate Loans [Member] \| Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	12,268	7,918
Commercial Real Estate Loans [Member] \| Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	2,950	6,034
Commercial Real Estate Loans [Member] \| Doubtful Or Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		0
Commercial Real Estate Loans [Member] \| Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		0
Commercial [Member] \| Total Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	134,150	110,542
Commercial [Member] \| Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	133,695	109,966
Commercial [Member] \| Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	248	82
Commercial [Member] \| Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	207	494
Commercial [Member] \| Doubtful Or Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		0
Commercial [Member] \| Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		0
Residential Real Estate Loans [Member] \| Total Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	229,781	235,523
Residential Real Estate Loans [Member] \| Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	229,214	234,725
Residential Real Estate Loans [Member] \| Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	567	798
Construction Real Estate Loans [Member] \| Total Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	17,732	17,445
Construction Real Estate Loans [Member] \| Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	17,732	17,445
Construction Real Estate Loans [Member] \| Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount
Consumer Loans To Individuals [Member] \| Total Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	151,686	112,002
Consumer Loans To Individuals [Member] \| Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	151,607	112,002
Consumer Loans To Individuals [Member] \| Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	$ 79

Loans Receivable and Allowan_10

Loans Receivable and Allowance for Loan Losses (Loan Portfolio Summarized by the Past Due Status) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Past Due [Line Items]
Current	$ 919,381	$ 846,250
Non-Accrual	795	1,140
Total Past Due and Non-Accrual	5,295	4,052
Total Loans	924,676	850,302
Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	1,218	1,907
Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	3,282	1,005
Financing Receivables, Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due
Residential Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Current	228,242	234,201
Non-Accrual	567	798
Total Past Due and Non-Accrual	1,539	1,322
Total Loans	229,781	235,523
Residential Real Estate Loans [Member] \| Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	727	373
Residential Real Estate Loans [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	245	151
Residential Real Estate Loans [Member] \| Financing Receivables, Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due
Commercial Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Current	388,117	372,617
Non-Accrual	99	342
Total Past Due and Non-Accrual	3,210	2,173
Total Loans	391,327	374,790
Commercial Real Estate Loans [Member] \| Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	176	1,043
Commercial Real Estate Loans [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	2,935	788
Commercial Real Estate Loans [Member] \| Financing Receivables, Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due
Construction Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Current	17,695	17,445
Non-Accrual
Total Past Due and Non-Accrual	37
Total Loans	17,732	17,445
Construction Real Estate Loans [Member] \| Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due
Construction Real Estate Loans [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	37
Construction Real Estate Loans [Member] \| Financing Receivables, Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due
Commercial [Member]
Financing Receivable, Past Due [Line Items]
Current	134,018	110,191
Non-Accrual	50
Total Past Due and Non-Accrual	132	351
Total Loans	134,150	110,542
Commercial [Member] \| Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	82	320
Commercial [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due		31
Commercial [Member] \| Financing Receivables, Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due
Consumer Loans To Individuals [Member]
Financing Receivable, Past Due [Line Items]
Current	151,309	111,796
Non-Accrual	79
Total Past Due and Non-Accrual	377	206
Total Loans	151,686	112,002
Consumer Loans To Individuals [Member] \| Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	233	171
Consumer Loans To Individuals [Member] \| Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	65	35
Consumer Loans To Individuals [Member] \| Financing Receivables, Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due

Loans Receivable and Allowan_11

Loans Receivable and Allowance for Loan Losses (Allowance for Loan Losses and Recorded Investment in Financing Receivables) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	$ 8,452	$ 7,634
Charge Offs	(1,433)	(989)
Recoveries	240	82
Provision for loan losses	1,250	1,725
Ending balance,	8,509	8,452
Ending balance individually evaluated for impairment	417
Ending balance collectively evaluated for impairment	8,092	8,452
Residential Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	1,328	1,272
Charge Offs	(102)	(197)
Recoveries	24	9
Provision for loan losses	302	244
Ending balance,	1,552	1,328
Ending balance individually evaluated for impairment
Ending balance collectively evaluated for impairment	1,552	1,328
Commercial Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	5,455	5,265
Charge Offs	(627)	(283)
Recoveries	125	33
Provision for loan losses	(266)	440
Ending balance,	4,687	5,455
Ending balance individually evaluated for impairment	417
Ending balance collectively evaluated for impairment	4,270	5,455
Construction Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	93	90
Charge Offs
Recoveries
Provision for loan losses	2	3
Ending balance,	95	93
Ending balance individually evaluated for impairment
Ending balance collectively evaluated for impairment	95	93
Commercial [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	712	463
Charge Offs	(284)	(246)
Recoveries	48	8
Provision for loan losses	473	487
Ending balance,	949	712
Ending balance individually evaluated for impairment
Ending balance collectively evaluated for impairment	949	712
Consumer Loans To Individuals [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	864	544
Charge Offs	(420)	(263)
Recoveries	43	32
Provision for loan losses	739	551
Ending balance,	1,226	864
Ending balance individually evaluated for impairment
Ending balance collectively evaluated for impairment	$ 1,226	$ 864

Premises and Equipment (Narrati

Premises and Equipment (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Premises and Equipment [Abstract]
Depreciation expense	$ 1,005	$ 895

Premises and Equipment (Compone

Premises and Equipment (Components of Premises and Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 28,884	$ 27,791
Accumulated depreciation	(14,656)	(13,945)
Property, Plant and Equipment, Net, Total	14,228	13,846
Land and Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	2,806	2,832
Buildings and improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	17,914	17,788
Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 8,164	$ 7,171

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deposits [Abstract]
Time Deposits, $250,000 or More	$ 137,108	$ 116,147

Deposits (Schedule of Maturitie

Deposits (Schedule of Maturities of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deposits [Abstract]
2020	$ 258,645
2021	38,394
2022	26,580
2023	24,162
2024	12,937
Time Deposits, Total	$ 360,718	$ 345,177

Borrowings (Narrative) (Details

Borrowings (Narrative) (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Available-for-sale Securities Pledged as Collateral	$ 157,233,000	$ 193,918,000
FHLB of Pittsburgh [Member]
Debt Instrument [Line Items]
Long-term Line of Credit	31,751,000	15,589,000
Line of Credit Facility, Maximum Borrowing Capacity	150,000,000
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	425,226,000
Advances from Federal Home Loan Banks	88,189,000
Outstanding letter of credit amount	56,000,000
Atlantic Community Bankers Bank [Member]
Debt Instrument [Line Items]
Long-term Line of Credit	0	0
Line of Credit Facility, Maximum Borrowing Capacity	7,000,000
PNC Bank [Member]
Debt Instrument [Line Items]
Long-term Line of Credit	0	0
Line of Credit Facility, Maximum Borrowing Capacity	16,000,000
Zion Bank [Member]
Debt Instrument [Line Items]
Long-term Line of Credit	0	0
Line of Credit Facility, Maximum Borrowing Capacity	17,000,000
Securities Sold under Agreements to Repurchase [Member]
Debt Instrument [Line Items]
Available-for-sale securities pledged as collateral, amortized cost	36,313,000	41,587,000
Available-for-sale Securities Pledged as Collateral	$ 36,195,000	$ 40,161,000

Borrowings (Short-Term Borrowin

Borrowings (Short-Term Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Short-term Debt [Line Items]
Short-term borrowings	$ 62,256	$ 53,046
Securities Sold under Agreements to Repurchase [Member]
Short-term Debt [Line Items]
Short-term borrowings	30,505	37,457
FHLB of Pittsburgh [Member] \| Federal Home Loan Bank Advances [Member]
Short-term Debt [Line Items]
Short-term borrowings	$ 31,751	$ 15,589

Borrowings (Outstanding Balance

Borrowings (Outstanding Balances and Related Information of Short-Term Borrowings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Borrowings [Abstract]
Short-term Debt, Average Balance During the Year	$ 48,945	$ 41,963
Short-term Debt, Average Interest Rate During the Year	0.96%	0.77%
Short-term Debt, Maximum Month-end Balance During The Year	$ 62,256	$ 53,046
Short-term Debt, Weighted Average Interest Rate at the End of the Year	1.30%	1.27%

Borrowings (Collateral Pledged

Borrowings (Collateral Pledged for Repurchase Agreements) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets Sold under Agreements to Repurchase [Line Items]
Available-for-sale Securities Pledged as Collateral	$ 157,233	$ 193,918
Short-term Borrowings	62,256	53,046
Mortgage-backed Securities-Government Sponsored Entities [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Available-for-sale Securities Pledged as Collateral	36,195	40,161
Maturity Overnight [Member] \| Mortgage-backed Securities-Government Sponsored Entities [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Available-for-sale Securities Pledged as Collateral	36,195	40,161
Securities Sold under Agreements to Repurchase [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Available-for-sale Securities Pledged as Collateral	36,195	40,161
Short-term Borrowings	$ 30,505	$ 37,457

Borrowings (Other Borrowings) (

Borrowings (Other Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 56,438	$ 52,284
Amortizing fixed rate borrowing due January 2019 at 1.39% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances		423
Debt Instrument, Interest Rate, Stated Percentage	1.39%
Fixed rate term borrowing due August 2019 at 1.61% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances		10,000
Debt Instrument, Interest Rate, Stated Percentage	1.61%
Fixed Rate Term Borrowing Due May 2020 At 1.85% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 5,000
Debt Instrument, Interest Rate, Stated Percentage	1.85%
Amortizing fixed rate borrowing due June 2020 at 1.49% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 1,034	3,079
Debt Instrument, Interest Rate, Stated Percentage	1.49%
Amortizing fixed rate borrowing due July 2020 at 2.77% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 2,974	7,962
Debt Instrument, Interest Rate, Stated Percentage	2.77%
Amortizing fixed rate borrowing due December 2020 at 1.71% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 2,538	5,000
Debt Instrument, Interest Rate, Stated Percentage	1.71%
Amortizing fixed rate borrowing due December 2020 at 3.06% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 1,034	2,051
Debt Instrument, Interest Rate, Stated Percentage	3.06%
Amortizing fixed rate borrowing due March 2022 at 1.75% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 2,009	2,877
Debt Instrument, Interest Rate, Stated Percentage	1.75%
Amortizing fixed rate borrowing due August 2022 at 1.94% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 5,351
Debt Instrument, Interest Rate, Stated Percentage	1.94%
Amortizing fixed rate borrowing due October 2022 at 1.88% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 4,626	6,200
Debt Instrument, Interest Rate, Stated Percentage	1.88%
Amortizing fixed rate borrowing due October 2023 at 3.24% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 7,809	9,692
Debt Instrument, Interest Rate, Stated Percentage	3.24%
Amortizing fixed rate borrowing due December 2023 at 3.22% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 4,063	$ 5,000
Debt Instrument, Interest Rate, Stated Percentage	3.22%
Fixed Rate Term Borrowing Due December 2023 At 1.95% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 10,000
Debt Instrument, Interest Rate, Stated Percentage	1.95%
Amortizing Fixed Rate Borrowing Due December 2023 At 1.73% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 10,000
Debt Instrument, Interest Rate, Stated Percentage	1.73%

Borrowings (Contractual Maturit

Borrowings (Contractual Maturities of Other Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Borrowings [Abstract]
2020	$ 22,435
2021	10,080
2022	8,654
2023	15,269
Long-term Federal Home Loan Bank Advances, Total	$ 56,438	$ 52,284

Operating Leases (Narrative) (D

Operating Leases (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Operating Leases [Abstract]
Lease, Cost	$ 518
Operating Lease, Expense	$ 518	$ 470

Operating Leases (Lease Cost) (

Operating Leases (Lease Cost) (Details)	Dec. 31, 2019
Operating Leases [Abstract]
Weighted-average remaining term	13 years 2 months 12 days
Weighted-average discount rate	3.21%

Operating Leases (Undiscounted

Operating Leases (Undiscounted Cash Flows Due) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Operating Leases [Abstract]
2020	$ 535
2021	535
2022	535
2023	535
2024	544
2025 and thereafter	3,879
Total undiscounted cash flows	6,563
Discount on cash flows	(1,247)
Total lease liabilities	$ 5,316
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent	15.00%
Defined Contribution Plan, Employer Contributions, Vesting Period	5 years
Defined Contribution Plan, Cost	$ 730	$ 738
Defined Benefit Plan, Benefit Obligation	7,515	7,186	$ 8,465
Defined Benefit Plan, Net Periodic Benefit Cost	(12)	(98)
Defined Benefit Plan, Benefits Paid	553	582
Defined Benefit Plan, Expected Future Benefit Payments, Next Twelve Months	477
Defined Benefit Plan, Expected Future Benefit Payments, Year Five	466
Defined Benefit Plan, Expected Future Benefit Payments, Year Four	4,670
Defined Benefit Plan, Expected Future Benefit Payments, Year Three	453
Defined Benefit Plan, Expected Future Benefit Payments, Year Two	438
Defined Benefit Plan, Expected Future Benefit Payments, Five Fiscal Years Thereafter	2,115
Change in Projected Benefit Obligation from Change in Projected Discount Rate	801
Defined Benefit Plan, Accumulated Benefit Obligation	$ 7,515	$ 7,186
Defined Benefit Plan, Target Plan Asset Allocations	100.00%	100.00%
Accumulated Postretirement Benefit Obligation	$ 1,392	$ 1,291
Multiemployer Plans, Postretirement Benefit [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Net Periodic Benefit Cost	29	46
Defined Benefit Plan, Contributions by Employer	$ 29	$ 46
Defined Benefit Plan, Percentage of Plan Funded	95.00%	91.40%
Defined Benefit Plan, Contribution Percentage	5.00%
Supplemental Employee Retirement Plan, Defined Benefit [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Benefit Obligation	$ 3,428	$ 3,362
Pension and Other Postretirement Benefits Cost (Reversal of Cost)	491	434
Cash Surrender Value of Life Insurance	38,763	37,932
Defined Benefit Plan, Net Periodic Benefit Cost	$ 101	$ 149
Cash And Cash Equivalents [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	0.00%	4.20%
Domestic equities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	31.70%	46.10%
Fixed Income Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	57.70%	45.80%
Other Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	10.60%	3.90%
Commingled Pensions Trust Fund [Member] \| Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	10.00%
Commingled Pensions Trust Fund [Member] \| Minimum [Member] \| Global Equity, Global Fixed Income, Real Estate And Cash-Plus [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	35.00%
Commingled Pensions Trust Fund [Member] \| Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	65.00%
Commingled Pensions Trust Fund [Member] \| Maximum [Member] \| Global Equity, Global Fixed Income, Real Estate And Cash-Plus [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	90.00%
Delaware Bancshares, Inc. [Member] \| Director Fee Deferral and Continuation Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Benefit Obligation	$ 166	$ 249
Pension and Other Postretirement Benefits Cost (Reversal of Cost)	$ 3	$ 6
Delaware Bancshares, Inc. [Member] \| Director Fee Deferral and Continuation Plan [Member] \| Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Benefit Payment Period	5 years
Delaware Bancshares, Inc. [Member] \| Director Fee Deferral and Continuation Plan [Member] \| Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Benefit Payment Period	15 years

Employee Benefit Plans (Schedul

Employee Benefit Plans (Schedule of Projected Benefit Obligation and Changes in Plan Assets for the Defined Benefit Pension Plan) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Change in benefit obligation:
Projected benefit obligation at beginning of year	$ (7,186)	$ (8,465)
Service cost	(55)	(64)
Interest cost	(312)	(279)
Actuarial gain (loss)	(515)	1,040
Benefits paid	553	582
Benefit obligation at end of year	(7,515)	(7,186)
Change in plan assets:
Balance	6,136	7,110
Actual return on plan assets	1,275	(401)
Benefits paid	(558)	(573)
Fair value of plan assets at end of year	$ 6,136	$ 7,110	$ 6,853	$ 6,136
Funded status at end of year			$ (662)	$ (1,050)

Employee Benefit Plans (Sched_2

Employee Benefit Plans (Schedule of Amounts Recognized in Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Pension Plans And Other Postretirement Benefits [Abstract]
Gain	$ 375	$ 207
Total	$ 375	$ 207

Employee Benefit Plans (Compone

Employee Benefit Plans (Components of Net Pension Cost (Income)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Pension Plans And Other Postretirement Benefits [Abstract]
Service cost benefits earned during the period	$ 55	$ 64
Interest cost on projected benefit obligation	312	279
Actual return on assets	(379)	(441)
Net periodic pension cost	$ (12)	$ (98)

Employee Benefit Plans (Sched_3

Employee Benefit Plans (Schedule of Weighted Average Assumptions Used to Determine the Benefit Obligation And the Net Periodic Cost) (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Pension Plans And Other Postretirement Benefits [Abstract]
Discount rate, benefit obligation	3.55%	4.54%
Discount rate, net periodic pension cost	4.54%	3.43%
Expected long-term return on plan assets	6.50%	6.50%
Rate of compensation increase	0.00%	0.00%

Employee Benefit Plans (Sched_4

Employee Benefit Plans (Schedule Of Asset Allocation and Fair Value Of Plan Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Total assets	$ 6,853	$ 6,136	$ 7,110
Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	3,141	2,543
Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	3,412	2,992
Level 3 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		601	$ 255
Cash (Including Foreign Currencies) [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	6	6
Cash (Including Foreign Currencies) [Member] \| Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	6	6
Short-term Investment Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		0
Short-term Investment Funds [Member] \| Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		0
Common Stock [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	3,066	2,475
Common Stock [Member] \| Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	3,066	2,475
Depository Receipts [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	47	42
Depository Receipts [Member] \| Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	47	42
Commingled Pension Trust Fund [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		0
Commingled Pension Trust Fund [Member] \| Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		0
Preferred Stock [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	22	20
Preferred Stock [Member] \| Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	22	20
Corporate Bonds [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	678	608
Corporate Bonds [Member] \| Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	678	608
US Treasury and government agency bonds [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	2,860	2,228
US Treasury and government agency bonds [Member] \| Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	2,560	2,228
Mortgage Backed Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		0
Mortgage Backed Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		0
Collateralized Mortgage Obligations [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	174	156
Collateralized Mortgage Obligations [Member] \| Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets	$ 174	156
Commingled Pension Trust Fund [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		0
Commingled Pension Trust Fund [Member] \| Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		0
Other Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		601
Other Investments [Member] \| Level 3 [Member]
Defined Benefit Plan Disclosure [Line Items]
Total assets		$ 601

Employee Benefit Plans (Sched_5

Employee Benefit Plans (Schedule Of Target Asset Allocations) (Details)	Dec. 31, 2019	Dec. 31, 2018
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	100.00%	100.00%
Cash And Cash Equivalents [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	0.00%	4.20%
Domestic equities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	31.70%	46.10%
Fixed Income Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	57.70%	45.80%
Other Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	10.60%	3.90%

Employee Benefit Plans (Sched_6

Employee Benefit Plans (Schedule of Changes in Level 3 Assets) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Defined Benefit Plan Disclosure [Line Items]
Balance	$ 6,136	$ 7,110
Balance	6,853	6,136
Level 3 [Member]
Defined Benefit Plan Disclosure [Line Items]
Balance	601	255
Realized gain	187
Sales	(610)
Unrealized gain (loss)	(178)	346
Balance		$ 601

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) $ in Thousands	12 Months Ended
Income Taxes (Narrative) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Operating Loss Carryforwards [Line Items]
Net operating loss carryforward	$ 4,611
Net operating loss carryforward, expiration date	Dec. 31, 2035
Earliest Tax Year [Member]
Operating Loss Carryforwards [Line Items]
Open Tax Year	2016

Income Taxes (Schedule of Compo

Income Taxes (Schedule of Components of the Provision for Federal Income Taxes) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Income Taxes [Abstract]
Current	$ 1,620	$ 2,529
Deferred	988	24
Income Tax Expense (Benefit), Total	$ 2,608	$ 2,553

Income Taxes (Schedule of Effec

Income Taxes (Schedule of Effective Income Tax Rate Reconciliation) (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Income Taxes [Abstract]
Tax at statutory rates	21.00%	21.00%
Tax exempt interest income, net of interest expense disallowance	(4.40%)	(4.90%)
Earnings and proceeds on life insurance	(1.00%)	(1.10%)
Other	(0.10%)	0.80%
Effective Income Tax Rate, Continuing Operations, Total	15.50%	15.80%

Income Taxes (Schedule of Defer

Income Taxes (Schedule of Deferred Tax Assets and Liabilties) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Income Taxes [Abstract]
Deferred tax assets, Allowance for loan losses	$ 1,787	$ 1,775
Deferred tax assets, Deferred compensation	797	766
Deferred tax assets, Core deposit intangible	141	278
Deferred tax assets, Prepaid expenses	55	90
Deferred tax assets, Pension liability	360	363
Deferred tax assets, Foreclosed real estate valuance allowance	17	20
Deferred tax assets, AMT tax credit carryforward	0	260
Deferred tax assets, Net operating loss carryforward	968	1,173
Deferred tax assets, Net unrealized loss on securities	0	1,477
Deferred tax assets, Other	122	95
Total Deferred Tax Assets	4,247	6,297
Deferred tax liabilities, Premises and equipment	598	223
Deferred tax liablities, Deferred loan fees	220	186
Deferred tax liabilities, Net unrealized gain on pension liability	221	143
Deferred tax liabilities, Purchase price adjustment	327	321
Deferred Tax Liabilities, Net unrealized gain on securities	94	0
Total Deferred Tax Liabilities	1,460	873
Net Deferred Tax Asset	$ 2,787	$ 5,424

Regulatory Matters and Stockh_3

Regulatory Matters and Stockholders' Equity (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Regulatory Matters and Stockholders' Equity [Abstract]
Restricted Cash and Cash Equivalents	$ 1,074	$ 1,018
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval	$ 65,096
Risk weight assigned to exposures	150.00%
Capital conservation buffer	2.50%

Regulatory Matters and Stockh_4

Regulatory Matters and Stockholders' Equity (Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Regulatory Matters and Stockholders' Equity [Abstract]
Total capital (to risk weighted assets), Amount	$ 132,507	$ 122,917
Total capital (to risk weighted assets) For Capital Adequacy Purposes, Amount	75,674	70,248
Total capital (to risk weighted assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 94,593	$ 87,810
Total capital (to risk weighted assets), Ratio	14.01%	14.00%
Total capital (to risk weighted assets) For Capital Adequacy Purposes, Ratio	8.00%	8.00%
Total capital (to risk weighted assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	10.00%	10.00%
Tier 1 capital (to risk weighted assets), Amount	$ 123,999	$ 114,465
Tier 1 capital (to risk weighted assets) For Capital Adequacy Purposes, Amount	56,756	52,686
Tier 1 capital (to risk weighted assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 75,674	$ 70,248
Tier 1 capital (to risk weighted assets), Ratio	13.11%	13.04%
Tier 1 capital (to risk weighted assets) For Capital Adequacy Purposes, Ratio	6.00%	6.00%
Tier 1 capital (to risk weighted assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	8.00%	8.00%
Common Equity Tier 1 capital (to risk-weighted assets), amount	$ 123,999	$ 114,465
Common Equity Tier 1 capital (to risk-weighted assets), for Capital Adequacy Purposes, amount	42,567	39,515
Common Equity Tier 1 capital (to risk-weighted assets) to be Well Capitalized under Prompt Corrective Action Provision, amount	$ 61,485	$ 57,077
Common Equity Tier 1 capital (to risk-weighted assets), Ratio	13.11%	13.04%
Common Equity Tier 1 capital (to risk-weighted assets) For Capital Adequacy Purposes, Ratio	4.50%	4.50%
Common Equity Tier 1 capital (to risk-weighted assets) to be Well Capitalized under Prompt Corrective Action Provision	6.50%	6.50%
Tier 1 capital (to average assets), Amount	$ 123,999	$ 114,465
Tier 1 capital (to average assets) For Capital Adequacy Purposes, Amount	48,735	46,619
Tier 1 capital (to average assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 60,918	$ 58,273
Tier 1 capital (to average assets), Ratio	10.18%	9.82%
Tier 1 capital (to average assets) For Capital Adequacy Purposes, Ratio	4.00%	4.00%
Tier 1 capital (to average assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	5.00%	5.00%

Stock Based Compensation (Narra

Stock Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Apr. 22, 2014	Apr. 26, 2006
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options, Granted	26,750	28,900
Stock Issued During Period, Value, Restricted Stock Award, Gross	$ 289	$ 205
Share price	$ 38.90	$ 33
Exercise price, min	16.65
Exercise price, max	$ 36.02
Allocated Share-based Compensation Expense	$ 207	$ 237
Future compensation expense of non-vested restricted stock outstanding	1,146	963
Unrecognized Salaries And Employee Benefits Expense	$ 203	$ 207
Common Stock, Dividend Rate, Percentage	50.00%	50.00%
Weighted Average Remaining Contractual Term, Outstanding	5 years 10 months 24 days
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Allocated Share-based Compensation Expense	$ 289	$ 205
Restricted stock, granted	13,100	13,100
Outside Directors [Member] \| Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock, granted		2,400
Common Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock Issued During Period, Value, Restricted Stock Award, Gross	$ 1	$ 1
Norwood Financial Corp 2006 Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized									412,500
Options, Granted	0	0			11,135	18,750	42,900
Norwood Financial Corp 2006 Stock Option Plan [Member] \| Outside Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized									66,000
Options, Granted							6,000
Shares available for awards	0
Norwood Financial Corp 2014 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized								375,000
Options and restricted stock, granted			44,150	36,675	20,591	13,950
Shares available for awards	177,785
Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized								63,000
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	5 years
Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Officer [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for awards	151,260
Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Officer [Member] \| Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options, Granted			26,750
Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Officer [Member] \| Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for awards	13,575
Restricted stock, granted			9,000	9,000	6,375	9,750
Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Outside Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized								60,000
Shares available for awards	26,525
Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Outside Directors [Member] \| Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options, Granted			8,000
Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Outside Directors [Member] \| Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized								12,000
Shares available for awards	9,225
Restricted stock, granted			400	3,675	3,600	4,200
Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Employees [Member] \| Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options, Granted				24,000	10,616
Amended Norwood Financial Corp 2014 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options and restricted stock, granted	39,850	42,000
Amended Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Officer [Member] \| Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	62,700
Options and restricted stock, granted	7,500
Shares increased (decrased)	(300)
Restricted stock, granted	7,500
Amended Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Outside Directors [Member] \| Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	32,300
Options and restricted stock, granted	5,600
Shares increased (decrased)	20,300
Restricted stock, granted		5,600
Amended Norwood Financial Corp 2014 Equity Incentive Plan [Member] \| Employees [Member] \| Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options, Granted	26,750	26,500

Stock Based Compensation (Summa

Stock Based Compensation (Summary of Stock Option Activity) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Stock Based Compensation [Abstract]
Options, beginning of year	208,700	212,725
Options, Granted	26,750	28,900
Options, Exercised	(32,350)	(28,275)
Options, Forfeited	(3,275)	(4,650)
Options, end of year	199,825	208,700
Options, Exercisable, end of period	173,075	179,800
Weighted Average Exercise Price Per Share, Outstanding, beginning of period	$ 22.54	$ 20.76
Weighted Average Exercise Price Per Share, Granted	36.02	32.34
Weighted Average Exercise Price Per Share, Exercised	19.71	18.39
Weighted Average Exercise Price Per Share, Forfeited	24.31	27.08
Weighted Average Exercise Price Per Share, Outstanding, end of period	24.78	22.54
Weighted Average Exercise Price Per Share, Exercisable, end of period	$ 23.04	$ 20.97
Aggregate Intrinsic Value, Outstanding, beginning of period	$ 2,182,537
Aggregate Intrinsic Value, Outstanding, end of period	2,822,470	$ 2,182,537
Aggregate Intrinsic Value, Exercisable at end of period	$ 2,745,430	$ 2,163,463

Stock Based Compensation (Sched

Stock Based Compensation (Schedule of Fair Value Assumptions) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Stock Based Compensation [Abstract]
Dividend yield	3.59%	3.72%
Expected life	10 years	10 years
Expected volatility	29.08%	29.10%
Risk-free interest rate	1.92%	2.68%
Weighted average fair value of options granted	$ 7.61	$ 7.18

Stock Based Compensation (Sch_2

Stock Based Compensation (Schedule of Outstanding Stock Options) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	199,825	208,700	212,725
Average Exercise Price	$ 24.78	$ 22.54	$ 20.76
Remaining Life, Years	5 years 10 months 24 days
Options Exercisable	173,075	179,800
Average Exercise Price	$ 23.04	$ 20.97
Average Exercise Price - $16.83 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	13,200
Average Exercise Price	$ 16.83
Remaining Life, Years	1 year
Options Exercisable	13,200
Average Exercise Price	$ 16.83
Average Exercise Price - $16.65 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	18,825
Average Exercise Price	$ 16.65
Remaining Life, Years	2 years
Options Exercisable	18,825
Average Exercise Price	$ 16.65
Average Exercise Price - $18.03 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	23,925
Average Exercise Price	$ 18.03
Remaining Life, Years	3 years
Options Exercisable	23,925
Average Exercise Price	$ 18.03
Average Exercise Price - $18.36 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	1,650
Average Exercise Price	$ 18.36
Remaining Life, Years	3 years
Options Exercisable	1,650
Average Exercise Price	$ 18.36
Average Exercise Price - $19.30 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	3,000
Average Exercise Price	$ 19.30
Remaining Life, Years	3 years 9 months 18 days
Options Exercisable	3,000
Average Exercise Price	$ 19.30
Average Exercise Price - $17.93 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	20,875
Average Exercise Price	$ 17.93
Remaining Life, Years	4 years
Options Exercisable	20,875
Average Exercise Price	$ 17.93
Average Exercise Price - $19.39 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	8,250
Average Exercise Price	$ 19.39
Remaining Life, Years	4 years 10 months 24 days
Options Exercisable	8,250
Average Exercise Price	$ 19.39
Average Exercise Price - $19.03 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	11,250
Average Exercise Price	$ 19.03
Remaining Life, Years	5 years 10 months 24 days
Options Exercisable	11,250
Average Exercise Price	$ 19.03
Average Exercise Price - $22.37 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	16,250
Average Exercise Price	$ 22.37
Remaining Life, Years	7 years
Options Exercisable	16,250
Average Exercise Price	$ 22.37
Average Exercise Price - $32.81 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	29,500
Average Exercise Price	$ 32.81
Remaining Life, Years	8 years
Options Exercisable	29,500
Average Exercise Price	$ 32.81
Average Exercise Price - $32.34 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	26,350
Average Exercise Price	$ 32.34
Remaining Life, Years	9 years
Options Exercisable	26,350
Average Exercise Price	$ 32.34
Average Exercise Price - $36.02 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	26,750
Average Exercise Price	$ 36.02
Remaining Life, Years	10 years

Stock Based Compensation (Sum_2

Stock Based Compensation (Summary of Restricted Stock Activity) (Details) - Restricted Stock [Member] - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock Non-vested, beginning balance	34,615	30,415
Restricted stock, granted	13,100	13,100
Restricted stock, vested	(11,520)	(8,900)
Restricted stock, forfeited		0
Restricted stock Non-vested, ending balance	36,195	34,615
Restricted stock Non-vested, weighted-average grant date fair value, beginning balance	$ 27.82	$ 24.46
Restricted stock, granted, weighted-average grant date fair value	36.02	32.34
Restricted stock, vested, weighted-average grant date fair value	25.12	23
Restricted stock, forfeited, weighted-average grant date fair value
Restricted stock Non-vested, weighted-average grant date fair value, ending balance	$ 31.65	$ 27.82

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details) - $ / shares	12 Months Ended
Earnings Per Share (Narrative) (Details) - $ / shares	Dec. 31, 2019	Dec. 31, 2018
EARNINGS PER SHARE
Stock options strike price, lower range limit	$ 16.65
Stock options strike price, upper range limit	$ 36.02
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	0	0
Share price	$ 38.90	$ 33
Common Stock, Dividend Rate, Percentage	50.00%	50.00%

Earnings Per Share (Schedule of

Earnings Per Share (Schedule of Weighted Average Shares Outstanding Used in the Computations of Basic and Diluted Earnings Per Share) (Details) - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
EARNINGS PER SHARE
Numerator, net income	$ 14,215	$ 13,651
Weighted average shares outstanding	6,295	6,263
Less: Unvested restricted shares	(35)	(31)
Basic EPS weighted average shares outstanding	6,260	6,232
Add: Dilutive effect of stock options and restricted shares	72	58
Diluted EPS weighted average shares outstanding	6,332	6,290

Off-Balance Sheet Financial I_3

Off-Balance Sheet Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loss Contingencies [Line Items]
Financial instrument commitments	$ 104,754	$ 121,421
Commitments to grant loans [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	44,246	45,246
Unfunded commitments under lines of credit [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	56,840	71,906
Standby letters of credit [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	$ 3,668	$ 4,269

Fair Value of Financial Instr_3

Fair Value of Financial Instruments (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)itemloan	Dec. 31, 2018USD ($)item
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Financing Receivable, Recorded Investment		$ 1,319
Impaired Loans, Cumulative Charge-Offs	$ 251	428
Number of impaired loans requiring a valuation allowance \| item	2
Fair Value	$ 2,001
Valuation allowance	417
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Financing Receivable, Recorded Investment	$ 2,144	$ 1,319
Number of impaired loans not requiring a valuation allowance	2	6
Fair Value	$ 1,584	$ 1,319

Fair Value of Financial Instr_4

Fair Value of Financial Instruments (Fair Value, Assets Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$ 210,205	$ 243,277
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	210,205	243,277
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
US Treasury Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
US Treasury Securities [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
State and municipal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	71,305	97,613
State and municipal [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
State and municipal [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	71,305	97,613
State and municipal [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Corporate Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	4,100	8,640
Corporate Obligations [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Corporate Obligations [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	4,100	8,640
Corporate Obligations [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Mortgage-backed Securities-Government Sponsored Entities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	134,800	137,024
Mortgage-backed Securities-Government Sponsored Entities [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Mortgage-backed Securities-Government Sponsored Entities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	134,800	137,024
Mortgage-backed Securities-Government Sponsored Entities [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities

Fair Value of Financial Instr_5

Fair Value of Financial Instruments (Fair Value, Assets and Liabilities Measured on Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 2,001
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	1,584	$ 1,319
Impaired Loans [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Impaired Loans [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Impaired Loans [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	1,584	1,319
Foreclosed Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	1,556	1,115
Foreclosed Real Estate Owned [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Foreclosed Real Estate Owned [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Foreclosed Real Estate Owned [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 1,556	$ 1,115

Fair Value of Financial Instr_6

Fair Value of Financial Instruments (Additional Qualitative Information about Level 3 Assets) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)item	Dec. 31, 2018USD ($)item
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure \| $	$ 2,001
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure \| $	$ 1,584	$ 1,319
Fair Value Disclosure, Unobservable Input Range	Probability of default
Impaired Loans [Member] \| Measurement Input, Default Rate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	0	0
Impaired Loans [Member] \| Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure \| $	$ 1,531	$ 232
Fair Value Disclosure, Unobservable Input Range	Appraisal adjustments(2)
Impaired Loans [Member] \| Appraisal of collateral [Member] \| Measurement Input, Appraised Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	10
Impaired Loans [Member] \| Present value of future cash flows [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure \| $	$ 53	$ 1,087
Fair Value Disclosure, Unobservable Input Range	Loan discount rate
Impaired Loans [Member] \| Minimum [Member] \| Appraisal of collateral [Member] \| Measurement Input, Appraised Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input		10
Impaired Loans [Member] \| Minimum [Member] \| Present value of future cash flows [Member] \| Measurement Input, Discount Rate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	4	4
Impaired Loans [Member] \| Maximum [Member] \| Appraisal of collateral [Member] \| Measurement Input, Appraised Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input		81.54
Impaired Loans [Member] \| Maximum [Member] \| Present value of future cash flows [Member] \| Measurement Input, Discount Rate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	6.97	6
Impaired Loans [Member] \| Weighted Average [Member] \| Appraisal of collateral [Member] \| Measurement Input, Appraised Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	10	56.06
Impaired Loans [Member] \| Weighted Average [Member] \| Present value of future cash flows [Member] \| Measurement Input, Discount Rate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	5.55	5.80
Other Real Estate Owned [Member] \| Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure \| $	$ 1,556	$ 1,115
Fair Value Disclosure, Unobservable Input Range	Liquidation Expenses(2)
Other Real Estate Owned [Member] \| Minimum [Member] \| Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other Real Estate Owned, Measurement Input	0	7
Other Real Estate Owned [Member] \| Maximum [Member] \| Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other Real Estate Owned, Measurement Input	7	85.71
Other Real Estate Owned [Member] \| Weighted Average [Member] \| Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other Real Estate Owned, Measurement Input	4.34	7.80

Fair Value of Financial Instr_7

Fair Value of Financial Instruments (Fair Value, by Balance Sheet Grouping) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and cash equivalents, Fair Value Disclosure	$ 15,415	$ 18,348
Financial assets: Loans receivable, net, Fair Value Disclosure	943,143	840,134
Financial assets: Mortgage servicing rights, Fair Value Disclosure	226	220
Financial assets: Regulatory stock, Fair Value Disclosure	4,844	3,926
Financial assets: Bank owned life insurance, Fair Value Disclosure	38,763	37,932
Financial assets: Accrued interest receivable, Fair Value Disclosure	3,719	3,776
Financial liabilities: Deposits, Fair Value Disclosure	961,120	945,773
Financial liabilities: Short-term borrowings, Fair Value Disclosure	62,256	53,046
Financial liabilities: Other borrowings, Fair Value Disclosure	56,618	52,043
Financial liabilities: Accrued interest payable, Fair Value Disclosure	2,432	1,806
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure
Financial assets: Cash and cash equivalents	15,415	18,348
Financial assets: Loans receivable, net	916,072	841,730
Financial assets: Mortgage servicing rights	187	178
Financial assets: Regulatory stock	4,844	3,926
Financial assets: Bank owned life insurance	38,763	37,932
Financial assets: Accrued interest receivable	3,719	3,776
Financial liabilities: Deposits	957,529	946,780
Financial liabilities: Short-term borrowings	62,256	53,046
Financial liabilities: Other borrowings	56,438	52,284
Financial liabilities: Accrued interest payable	2,432	1,806
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and cash equivalents, Fair Value Disclosure	15,415	18,348
Financial assets: Loans receivable, net, Fair Value Disclosure
Financial assets: Mortgage servicing rights, Fair Value Disclosure
Financial assets: Regulatory stock, Fair Value Disclosure	4,844	3,926
Financial assets: Bank owned life insurance, Fair Value Disclosure	38,763	37,932
Financial assets: Accrued interest receivable, Fair Value Disclosure	3,719	3,776
Financial liabilities: Deposits, Fair Value Disclosure	596,811	601,604
Financial liabilities: Short-term borrowings, Fair Value Disclosure	62,256	53,046
Financial liabilities: Other borrowings, Fair Value Disclosure
Financial liabilities: Accrued interest payable, Fair Value Disclosure	2,432	1,806
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and cash equivalents, Fair Value Disclosure
Financial assets: Loans receivable, net, Fair Value Disclosure
Financial assets: Mortgage servicing rights, Fair Value Disclosure
Financial assets: Regulatory stock, Fair Value Disclosure
Financial assets: Bank owned life insurance, Fair Value Disclosure
Financial assets: Accrued interest receivable, Fair Value Disclosure
Financial liabilities: Deposits, Fair Value Disclosure
Financial liabilities: Short-term borrowings, Fair Value Disclosure
Financial liabilities: Other borrowings, Fair Value Disclosure
Financial liabilities: Accrued interest payable, Fair Value Disclosure
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and cash equivalents, Fair Value Disclosure
Financial assets: Loans receivable, net, Fair Value Disclosure	943,143	840,134
Financial assets: Mortgage servicing rights, Fair Value Disclosure	226	220
Financial assets: Regulatory stock, Fair Value Disclosure
Financial assets: Bank owned life insurance, Fair Value Disclosure
Financial assets: Accrued interest receivable, Fair Value Disclosure
Financial liabilities: Deposits, Fair Value Disclosure	364,309	344,169
Financial liabilities: Short-term borrowings, Fair Value Disclosure
Financial liabilities: Other borrowings, Fair Value Disclosure	56,618	52,043
Financial liabilities: Accrued interest payable, Fair Value Disclosure
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Summary Of Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	$ (5,020)
Other comprehensive income (loss)	6,207	$ (2,353)
Ending balance	1,187	(5,020)
Unrealized gains and losses on available-for-sale securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(5,558)	(3,041)
Other comprehensive income (loss) before reclassification	6,113	(2,349)
Amount reclassified from accumulated other comprehensive loss	(201)	(168)
Other comprehensive income (loss)	5,912	(2,517)
Ending balance	354	(5,558)
Unrealized gain (loss) on pension liability [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	538	374
Other comprehensive income (loss) before reclassification	295	164
Other comprehensive income (loss)	295	164
Ending balance	833	538
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(5,020)	(2,667)
Other comprehensive income (loss) before reclassification	6,408	(2,185)
Amount reclassified from accumulated other comprehensive loss	(201)	(168)
Other comprehensive income (loss)	6,207	(2,353)
Ending balance	$ 1,187	$ (5,020)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) (Significant Amounts Reclassified Out Of Each Component Of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net realized gains on sales of securities	$ 254	$ 213
Income tax expense	(2,608)	(2,553)
Net income	14,215	13,651
Amount Reclassified From Accumulated Other Comprehensive Income (Loss) [Member] \| Unrealized gains and losses on available-for-sale securities [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net realized gains on sales of securities	254	213
Income tax expense	(53)	(45)
Net income	$ 201	$ 168

Proposed Acquisition of Upsta_2

Proposed Acquisition of Upstate New York Bancorp, Inc. (Details) - USD ($) $ / shares in Units, $ in Thousands	Jan. 08, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Business Acquisition [Line Items]
Total Assets		$ 1,230,610	$ 1,184,559
Net loans receivable		916,072	841,730
Deposits		957,529	946,780
Stockholders' equity		137,428	$ 122,285	$ 115,739
UpState New York Bancorp, Inc. [Member]
Business Acquisition [Line Items]
Total Assets		439,600
Net loans receivable		380,700
Deposits		387,900
Stockholders' equity		$ 46,400
UpState New York Bancorp, Inc. [Member] \| Subsequent Event [Member]
Business Acquisition [Line Items]
Conversion of shares	0.9390
Cash paid per share	$ 33.33
Percent exchanged for stock	90.00%
Percent exchanged for cash	10.00%
Performance conditions	$ 0.67
Termination fee	$ 3,200

Norwood Financial Corp (Paren_3

Norwood Financial Corp (Parent Company Only) Financial Information (Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Condensed Financial Statements, Captions [Line Items]
Cash on deposit in bank subsidiary	$ 15,038	$ 18,039
Securities available for sale	210,205	243,277
Other assets	14,242	8,942
Total Assets	1,230,610	1,184,559
Liabilities	1,093,182	1,062,274
Stockholders' equity	137,428	122,285	$ 115,739
Total Liabilities and Stockholders' Equity	1,230,610	1,184,559
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Cash on deposit in bank subsidiary	2,848	2,509
Investment in bank subsidiary	135,433	120,511
Other assets	1,875	1,739
Total Assets	140,156	124,759
Liabilities	2,728	2,474
Stockholders' equity	137,428	122,285
Total Liabilities and Stockholders' Equity	$ 140,156	$ 124,759

Norwood Financial Corp (Paren_4

Norwood Financial Corp (Parent Company Only) Financial Information (Statements of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Condensed Financial Statements, Captions [Line Items]
Net realized gain (loss) on sales of securities	$ 254	$ 213
Income before Income Taxes	16,823	16,204
Income tax expense	2,608	2,553
Net income	14,215	13,651
Comprehensive Income	20,422	11,298
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Dividends from bank subsidiary	6,113	5,643
Expenses	637	618
Income before Income Taxes	5,476	5,025
Income tax expense	(232)	(217)
Income before equity in undistributed earnings	5,708	5,242
Equity in undistributed earnings of subsidiary	8,507	8,409
Net income	14,215	13,651
Comprehensive Income	$ 20,422	$ 11,298

Norwood Financial Corp (Paren_5

Norwood Financial Corp (Parent Company Only) Financial Information (Statements of Cash Flows) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Condensed Financial Statements, Captions [Line Items]
Net income	$ 14,215,000	$ 13,651,000
Net realized gains on sales of securities	(254,000)	(213,000)
Other, net	(522,000)	(275,000)
Net cash provided by operating activities	18,438,000	17,298,000
Proceeds from sale of securities	27,247,000	17,745,000
Net Cash Used for Investing Activities	(39,780,000)	(54,838,000)
Stock options exercised	638,000	520,000
Sale of treasury stock for ESOP	127,000	123,000
Acquisition of treasury stock	(428,000)	(194,000)
Cash dividends paid	(6,041,000)	(5,509,000)
Net Cash Provided by Financing Activities	18,409,000	39,191,000
Net Increase (Decrease) in Cash and Cash Equivalents	(2,933,000)	1,651,000
CASH AND CASH EQUIVALENTS - BEGINNING	18,348,000
CASH AND CASH EQUIVALENTS - ENDING	15,415,000	18,348,000
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Net income	14,215,000	13,651,000
Undistributed earnings of bank subsidiary	(8,507,000)	(8,409,000)
Decrease in deferred ncome tax		1,158,000
Other, net	335,000	387,000
Net cash provided by operating activities	6,043,000	6,787,000
Investment in bank subsidiary		(4,000,000)
Net Cash Used for Investing Activities		(4,000,000)
Stock options exercised	638,000	520,000
Sale of treasury stock for ESOP	127,000	123,000
Acquisition of treasury stock	(428,000)	(194,000)
Cash dividends paid	(6,041,000)	(5,509,000)
Net Cash Provided by Financing Activities	(5,704,000)	(5,060,000)
Net Increase (Decrease) in Cash and Cash Equivalents	339,000	(2,273,000)
CASH AND CASH EQUIVALENTS - BEGINNING	2,509,000	4,782,000
CASH AND CASH EQUIVALENTS - ENDING	$ 2,848,000	$ 2,509,000