Norwood Financial (NWFL) 10-Q 5 May 22 2022 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2022	May 01, 2022
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Transition Report	false
Entity File Number	0-28364
Entity Registrant Name	Norwood Financial Corp
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, par value $0.10 per share
Trading Symbol	NWFL
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		8,203,312
Entity Central Index Key	0001013272
Amendment Flag	false
Document Fiscal Period Focus	Q1

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 22,394	$ 21,073
Interest-bearing deposits with banks	143,632	185,608
Cash and cash equivalents	166,026	206,681
Securities available for sale, at fair value	434,924	406,782
Loans receivable	1,371,645	1,354,931
Less: Allowance for loan losses	16,660	16,442
Net loans receivable	1,354,985	1,338,489
Regulatory stock, at cost	3,423	3,927
Bank premises and equipment, net	17,022	17,289
Bank owned life insurance	40,215	40,038
Accrued interest receivable	5,876	5,889
Foreclosed real estate owned	590	1,742
Goodwill	29,266	29,266
Other intangibles	380	407
Other assets	24,991	17,994
TOTAL ASSETS	2,077,698	2,068,504
Deposits:
Non-interest bearing demand	438,979	440,652
Interest-bearing	1,342,798	1,316,141
Total deposits	1,781,777	1,756,793
Short-term borrowings	63,622	60,822
Other borrowings	26,844	29,998
Accrued interest payable	1,160	1,203
Other liabilities	17,489	14,426
TOTAL LIABILITIES	1,890,892	1,863,242
STOCKHOLDERS' EQUITY
Preferred stock, no par value per share, authorized: 5,000,000 shares; issued: none
Common stock, $0.10 par value per share, authorized: 20,000,000 shares, issued: 2022: 8,268,401 shares, 2021: 8,266,751 shares	827	827
Surplus	96,619	96,443
Retained earnings	114,845	110,015
Treasury stock at cost: 2022: 65,089 shares; 2021: 65,328 shares	(1,760)	(1,767)
Accumulated other comprehensive loss	(23,725)	(256)
TOTAL STOCKHOLDERS’ EQUITY	186,806	205,262
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 2,077,698	$ 2,068,504

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Mar. 31, 2022	Dec. 31, 2021
Consolidated Balance Sheets [Abstract]
Preferred Stock, No Par Value
Preferred Stock, Shares Authorized	5,000,000	5,000,000
Preferred Stock, Shares Issued	0	0
Common Stock, Par Value Per Share	$ 0.10	$ 0.10
Common Stock, Shares Authorized	20,000,000	20,000,000
Common Stock, Shares, Issued	8,268,401	8,266,751
Treasury Stock, Shares	65,089	65,328

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
INTEREST INCOME
Loans receivable, including fees	$ 15,375	$ 16,146
Securities	1,894	1,112
Other	78	43
Total interest income	17,347	17,301
INTEREST EXPENSE
Deposits	1,059	1,255
Short-term borrowings	48	69
Other borrowings	139	201
Total interest expense	1,246	1,525
NET INTEREST INCOME	16,101	15,776
PROVISION FOR LOAN LOSSES	300	1,500
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	15,801	14,276
OTHER INCOME
OTHER INCOME	3,144	1,543
Net realized gains on sales of securities		21
Gain on sale of loans, net		29
Gain on sales of foreclosed real estate owned	427	3
Earnings and proceeds on bank owned life insurance	176	374
Other	1,063	158
Total other income	3,338	1,992
OTHER EXPENSES
Salaries and employee benefits	5,431	4,953
Occupancy, furniture & equipment, net	1,307	1,220
Data processing and related operations	628	603
Taxes, other than income	294	305
Professional fees	575	540
Federal Deposit Insurance Corporation insurance	183	181
Foreclosed real estate	53	33
Amortization of intangibles	27	35
Other	1,659	1,585
Total other expenses	10,157	9,455
INCOME BEFORE INCOME TAXES	8,982	6,813
INCOME TAX EXPENSE	1,854	1,271
NET INCOME	$ 7,128	$ 5,542
BASIC EARNINGS PER SHARE	$ 0.87	$ 0.68
DILUTED EARNINGS PER SHARE	$ 0.87	$ 0.67
Service Charges And Fees [Member]
OTHER INCOME
OTHER INCOME	$ 1,470	$ 1,247
Income From Fiduciary Activities [Member]
OTHER INCOME
OTHER INCOME	$ 202	$ 160

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Consolidated Statements of Comprehensive Income (Loss) [Abstract]
Net Income	$ 7,128	$ 5,542
Investment securities available for sale:
Unrealized holding loss	(29,708)	(3,901)
Tax Effect	6,239	820
Reclassification of investment securities gains recognized in net income		(21)
Tax Effect		4
Other comprehensive loss	(23,469)	(3,098)
Comprehensive Income (Loss)	$ (16,341)	$ 2,444

Consolidated Statements of Chan

Consolidated Statements of Changes in 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, 2020	$ 824	$ 95,388	$ 93,796	$ (342)	$ 5,119	$ 194,785
Beginning balance, shares at Dec. 31, 2020	8,236,331			10,263
Net Income			5,542			5,542
Other comprehensive loss					(3,098)	(3,098)
Cash dividends declared			(2,137)			(2,137)
Acquisition of treasury stock, shares				7,405
Acquisition of treasury stock				$ (194)		(194)
Compensation expense related to restricted stock		204		$ (120)		84
Stock options exercised		71				71
Stock options exercised, shares	3,750
Compensation expense related to stock		54				54
Compensation expense related to stock, shares				3,900
Ending balance, shares at Mar. 31, 2021	8,240,081			21,568
Ending balance at Mar. 31, 2021	$ 824	95,717	97,201	$ (656)	2,021	195,107
Beginning balance at Dec. 31, 2021	$ 827	96,443	110,015	$ (1,767)	(256)	205,262
Beginning balance, shares at Dec. 31, 2021	8,266,751			65,328
Net Income			7,128			7,128
Other comprehensive loss					(23,469)	(23,469)
Cash dividends declared			(2,298)			(2,298)
Acquisition of treasury stock, shares				511
Acquisition of treasury stock				$ (13)		(13)
Compensation expense related to restricted stock		82				82
Stock options exercised		27		$ 20		$ 47
Stock options exercised, shares	1,650			(750)		2,400
Compensation expense related to stock		67				$ 67
Ending balance, shares at Mar. 31, 2022	8,268,401			65,089
Ending balance at Mar. 31, 2022	$ 827	$ 96,619	$ 114,845	$ (1,760)	$ (23,725)	$ 186,806

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders’ Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Consolidated Statements of Changes in Stockholders’ Equity [Abstract]
Cash dividends declared	$ 0.28	$ 0.26

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 7,128	$ 5,542
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	300	1,500
Depreciation	372	373
Amortization of intangible assets	27	35
Deferred income taxes	258	4
Net amortization of securities premiums and discounts	395	360
Net realized gain on sales of securities		(21)
Earnings and proceeds on life insurance policies	(176)	(374)
Gain on sales and write-downs of fixed assets and foreclosed real estate owned, net	(427)	(3)
Net amortization of loan fees	(280)	(655)
Net gain on sale of loans		(29)
Loans originated for sale		(1,083)
Proceeds from sale of loans originated for sale		1,112
Compensation expense related to stock options	67	54
Compensation expense related to restricted stock	82	84
Decrease (increase) in accrued interest receivable	13	(85)
Decrease in accrued interest payable	(43)	(231)
Other, net	1,671	956
Net cash provided by operating activities	9,387	7,539
Securities available for sale:
Proceeds from sales		1,127
Proceeds from maturities and principal reductions on mortgage-backed securities	13,254	15,576
Purchases	(71,498)	(69,602)
Purchase of regulatory stock	(106)	(1,229)
Redemption of regulatory stock	610	1,167
Net increase in loans	(16,142)	(10,262)
Proceeds from bank-owned life insurance policies		511
Purchase of premises and equipment	(105)	(207)
Proceeds from sales of foreclosed real estate owned	1,579	124
Net cash used in investing activities	(72,408)	(62,795)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	24,984	149,803
Net increase in short-term borrowings	2,800	9,614
Repayments of other borrowings	(3,154)	(3,093)
Stock options exercised	47	71
Purchase of treasury stock	(13)	(194)
Cash dividends paid	(2,298)	(2,139)
Net cash provided by financing activities	22,366	154,062
(Decrease) increase in cash and cash equivalents	(40,655)	98,806
CASH AND CASH EQUIVALENTS - BEGINNING OF PERIOD	206,681	111,693
CASH AND CASH EQUIVALENTS - END OF PERIOD	166,026	210,499
Cash payments for:
Interest paid	1,289	1,756
Income taxes paid, net of refunds	106	50
Supplemental Schedule of Noncash Investing Activities:
Transfers of loans to foreclosed real estate owned and repossession of other assets	67	296
Dividends payable	$ 2,298	$ 2,137

Basis of Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2022
Basis of Presentation [Abstract]
Basis of Presentation	1. Basis of Presentation The unaudited consolidated financial statements include the accounts of Norwood Financial Corp (the “Company”) and its wholly-owned subsidiary, Wayne Bank (the “Bank”) and the Bank’s wholly-owned subsidiaries, WCB Realty Corp., Norwood Investment Corp., and WTRO Properties, Inc. All significant intercompany accounts and transactions have been eliminated in consolidation. The accompanying unaudited consolidated financial statements have been prepared in conformity with generally accepted accounting principles for interim financial statements and with instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. Actual results could differ from those estimates. The financial statements reflect, in the opinion of management, all normal, recurring adjustments necessary to present fairly the consolidated financial position and results of operations of the Company. The operating results for the three-months ended March 31, 2022 are not necessarily indicative of the results that may be expected for the year ending December 31, 2022 or any other future interim period.

Revenue Recognition

Revenue Recognition	3 Months Ended
	Mar. 31, 2022
Revenue Recognition [Abstract]
Revenue Recognition	2. 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 security gains, loan servicing, gains on the sale of 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 three months ended March 31: Three months ended March 31, (dollars in thousands) Noninterest Income 2022 2021 In-scope of Topic 606: Service charges on deposit accounts $ 99 $ 97 ATM fees 105 101 Overdraft fees 288 228 Safe deposit box rental 22 27 Loan related service fees 269 245 Debit card fees 628 492 Fiduciary activities 202 160 Commissions on mutual funds and annuities 41 36 Gains on sales of other real estate owned 427 3 Other income 1,063 154 Noninterest Income ( in-scope of Topic 606 ) 3,144 1,543 Out-of-scope of Topic 606: Net realized gains on sales of securities — 21 Loan servicing fees 18 25 Gains on sales of loans — 29 Earnings on and proceeds from bank-owned life insurance 176 374 Noninterest Income ( out-of-scope of Topic 606 ) 194 449 Total Noninterest Income $ 3,338 $ 1,992

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Earnings Per Share	3. 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. Diluted earnings per share reflect 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 restricted stock, and are determined using the treasury stock method. The following table sets forth the weighted average shares outstanding used in the computations of basic and diluted earnings per share. (in thousands) Three Months Ended March 31, 2022 2021 Weighted average shares outstanding 8,203 8,227 Less: Unvested restricted shares ( 32 ) ( 37 ) Basic EPS weighted average shares outstanding 8,171 8,190 Basic EPS weighted average shares outstanding 8,171 8,190 Add: Dilutive effect of stock options and restricted shares 25 24 Diluted EPS weighted average shares outstanding 8,196 8,214 For the three month period ended March 31, 2022, there were 74,350 stock options that were anti-dilutive and thereby excluded from the earnings per share calculations based upon the closing price of the Company’s common stock of $ 28.59 per share as of March 31, 2022. For the three month period ended March 31, 2021, there were 114,100 stock options that were anti-dilutive and thereby excluded from the earnings per share calculations based upon the closing price of Norwood common stock of $ 26.61 per share as of March 31, 2021.

Stock-Based Compensation

Stock-Based Compensation	3 Months Ended
	Mar. 31, 2022
Stock-Based Compensation [Abstract]
Stock-Based Compensation	4. Stock-Based Compensation During the three-month period ended March 31, 2022, no stock options were granted. As of March 31, 2022, there was $ 202,000 of total unrecognized compensation cost related to non-vested options granted in 2021 under the 2014 Equity Incentive Plan, which will be fully amortized by December 31, 2022. Compensation costs related to stock options amounted to $ 67,000 and $ 54,000 during the three-month periods ended March 31, 2022 and 2021, respectively. A summary of the Company’s stock option activity for the three-month period ended March 31, 2022 is as follows: Weighted Average Exercise Weighted Average Aggregate Price Remaining Intrinsic Value Options Per Share Contractual Term ($000) Outstanding at January 1, 2022 226,075 $ 26.37 6.4 Yrs. $ 520 Granted — - - Exercised ( 2,400 ) 19.62 2.0 Forfeited — - - Outstanding at March 31, 2022 223,675 $ 26.44 6.2 Yrs. $ 860 Exercisable at March 31, 2022 180,175 $ 26.59 5.3 Yrs. $ 739 Intrinsic value represents the amount by which the market price of the stock on the measurement date exceeded the exercise price of the option. The market price was $ 28.59 per share as of March 31, 2022 and $ 25.99 per share as of December 31, 2021. A summary of the Company’s restricted stock activity for the three-month periods ended March 31, 2022 and 2021 is as follows: 2022 2021 Weighted-Average Weighted-Average Number of Grant Date Number of Grant Date Restricted Stock Fair Value Restricted Stock Fair Value Non-vested, January 1, 32,030 $ 26.76 39,135 $ 30.72 Granted — — — — Vested — — — — Forfeited — — ( 3,900 ) 30.86 Non-vested, March 31, 32,030 $ 26.76 35,235 $ 30.71 The expected future compensation expense relating to the 32,030 shares of non-vested restricted stock outstanding as of March 31, 2022 is $ 871,000 . This cost will be recognized over the remaining vesting period of 4.75 years. Compensation costs related to restricted stock amounted to $ 82,000 and $ 84,000 during the three-month periods ended March 31, 2022 and 2021, respectively.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	5. Accumulated Other Comprehensive Income (Loss) The following table presents the changes in accumulated other comprehensive income (loss) (in thousands) by component net of tax for the three months ended March 31, 2022 and 2021: Unrealized gains (losses) on available for sale securities (a) Balance as of December 31, 2021 $ ( 256 ) Other comprehensive loss before reclassification ( 23,469 ) Amount reclassified from accumulated other comprehensive income — Total other comprehensive loss ( 23,469 ) Balance as of March 31, 2022 $ ( 23,725 ) Unrealized gains (losses) on available for sale securities (a) Balance as of December 31, 2020 $ 5,119 Other comprehensive income before reclassification ( 3,081 ) Amount reclassified from accumulated other comprehensive income ( 17 ) Total other comprehensive income ( 3,098 ) Balance as of March 31, 2021 $ 2,021 (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 three months ended March 31, 2022 and 2021: Amount Reclassified From Accumulated Other Comprehensive Income (Loss) (a) Affected Line Item in Three months ended Consolidated March 31, Statements Details about other comprehensive income 2022 2021 of Income Unrealized gains on available for sale securities $ — $ 21 Net realized gains on sales of securities Tax effect — ( 4 ) Income tax expense $ — $ 17 (a) Amounts in parentheses indicate debits to net income

Off-Balance Sheet Financial Ins

Off-Balance Sheet Financial Instruments and Guarantees	3 Months Ended
	Mar. 31, 2022
Off-Balance Sheet Financial Instruments and Guarantees [Abstract]
Off-Balance Sheet Financial Instruments and Guarantees	6. Off-Balance Sheet Financial Instruments and Guarantees 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: (in thousands) March 31, 2022 2021 Commitments to grant loans $ 82,432 $ 82,444 Unfunded commitments under lines of credit 151,759 136,710 Standby letters of credit 8,877 5,606 $ 243,068 $ 224,760 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. The Bank does not issue any guarantees that would require liability recognition or disclosure, other than its standby letters of credit. Standby letters of credit written are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Generally, all letters of credit, when issued, have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers. The Bank, generally, holds collateral and/or personal guarantees supporting these commitments. Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees. The current amount of the liability as of March 31, 2022 for guarantees under standby letters of credit issued is not material.

Securities

Securities	3 Months Ended
	Mar. 31, 2022
Securities [Abstract]
Securities	7 . Securities The amortized cost, gross unrealized gains and losses, and fair value of securities available for sale were as follows: March 31, 2022 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Available for Sale: U.S. Treasury securities $ 21,596 $ - $ ( 1,378 ) $ 20,218 U.S. Government agencies 16,281 - ( 1,300 ) 14,981 States and political subdivisions 162,271 362 ( 12,635 ) 149,998 Mortgage-backed securities- government sponsored entities 266,322 10 ( 16,605 ) 249,727 Total debt securities $ 466,470 $ 372 $ ( 31,918 ) $ 434,924 December 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Available for Sale: U.S. Government agencies $ 19,550 $ 6 $ ( 205 ) $ 19,351 States and political subdivisions 16,251 24 ( 264 ) 16,011 Corporate obligations 145,107 2,155 ( 1,395 ) 145,867 Mortgage-backed securities-government sponsored entities 227,712 766 ( 2,925 ) 225,553 Total debt securities $ 408,620 $ 2,951 $ ( 4,789 ) $ 406,782 The following tables show the Company’s investments’ gross unrealized losses and fair value aggregated by length of time that individual securities have been in a continuous unrealized loss position (in thousands): March 31, 2022 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities $ 20,218 $ ( 1,378 ) $ - $ - $ 20,218 $ ( 1,378 ) U.S. Government agencies 12,648 ( 947 ) 2,333 ( 353 ) 14,981 ( 1,300 ) States and political subdivisions 112,284 ( 11,171 ) 10,522 ( 1,464 ) 122,806 ( 12,635 ) Mortgage-backed securities-government sponsored entities 201,488 ( 12,501 ) 41,483 ( 4,104 ) 242,971 ( 16,605 ) $ 346,638 $ ( 25,997 ) $ 54,338 $ ( 5,921 ) $ 400,976 $ ( 31,918 ) December 31, 2021 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities $ 18,361 $ ( 205 ) $ - $ - $ 18,361 $ ( 205 ) U.S. Government agencies 7,912 ( 109 ) 3,843 ( 155 ) 11,755 ( 264 ) States and political subdivisions 74,658 ( 1,395 ) - - 74,658 ( 1,395 ) Mortgage-backed securities-government sponsored entities 170,647 ( 2,856 ) 2,919 ( 69 ) 173,566 ( 2,925 ) $ 271,578 $ ( 4,565 ) $ 6,762 $ ( 224 ) $ 278,340 $ ( 4,789 ) At March 31, 2022, the Company had 249 debt securities in an unrealized loss position in the less than twelve months category and 28 debt securities in the twelve months or more category. In Management’s opinion the unrealized losses reflect changes in interest rates subsequent to the acquisition of specific securities. No other-than-temporary-impairment charges were recorded in 2022. Management believes that all unrealized losses represent temporary impairment of the securities as the Company does not have the intent to sell the securities and it is more likely than not that it will not have to sell the securities before recovery of its cost basis. The amortized cost and fair value of debt securities as of March 31, 2022 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. Available for Sale Amortized Cost Fair Value (In Thousands) Due in one year or less $ 2,139 $ 2,160 Due after one year through five years 11,754 11,630 Due after five years through ten years 59,323 54,894 Due after ten years 126,932 116,513 200,148 185,197 Mortgage-backed securities-government sponsored entities 266,322 249,727 $ 466,470 $ 434,924 Gross realized gains and gross realized losses on sales of securities available for sale were as follows (in thousands): Three Months Ended March 31, 2022 2021 Gross realized gains $ — $ 21 Gross realized losses — — Net realized gain $ — $ 21 Proceeds from sales of securities $ — $ 1,127 Securities with a carrying value of $ 336,782,000 and $ 339,769,000 at March 31, 2022 and December 31, 2021, 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	3 Months Ended
	Mar. 31, 2022
Loans Receivable and Allowance for Loan Losses [Abstract]
Loans Receivable and Allowance for Loan Losses	8. Loans Receivable and Allowance for Loan Losses Set forth below is selected data relating to the composition of the loan portfolio at the dates indicated (dollars in thousands): March 31, 2022 December 31, 2021 Real Estate Loans: Residential $ 276,592 20.2 % $ 273,040 20.1 % Commercial 641,581 46.7 628,724 46.4 Agricultural 64,153 4.7 61,925 4.6 Construction 19,407 1.4 21,990 1.6 Commercial loans 183,212 13.3 186,031 13.7 Other agricultural loans 36,729 2.7 37,930 2.8 Consumer loans to individuals 150,818 11.0 146,400 10.8 Total loans 1,372,492 100.0 % 1,356,040 100.0 % Deferred fees, net ( 847 ) ( 1,109 ) Total loans receivable 1,371,645 1,354,931 Allowance for loan losses ( 16,660 ) ( 16,442 ) Net loans receivable $ 1,354,985 $ 1,338,489 During 2020 and 2021 the Company participated in the Paycheck Protection Program (“PPP”), administered directly by the United States Small Business Administration (“SBA”). The PPP provides loans to small businesses who were affected by economic conditions as a result of COVID-19 to provide cash-flow assistance to employers who maintain their payroll (including healthcare and certain related expenses), mortgage interest, rent, leases, utilities and interest on existing debt during the COVID-19 emergency. As of March 31, 2022 and December 31, 2021, the Company had outstanding principal balances of $ 5.7 million and $ 15.2 million, respectively, in PPP loans. The PPP loans are fully guaranteed by the SBA and may be eligible for forgiveness by the SBA to the extent that the proceeds are used to cover eligible payroll costs, interest costs, rent, and utility costs over a period of up to 24 weeks after the loan is made as long as certain conditions are met regarding employee retention and compensation levels. PPP loans deemed eligible for forgiveness by the SBA will be repaid by the SBA to the Company. As of March 31, 2022, $ 145.8 million of PPP loans have been forgiven. PPP loans are included in the commercial loan category. In accordance with the SBA terms and conditions on these PPP loans, the Company received approximately $ 5.1 million in fees associated with the processing of these loans. Upon funding of the loan, these fees were deferred and will be amortized over the life of the loan as an adjustment to yield in accordance with FASB ASC 310-20-25-2. As of March 31, 2022, the carrying value of these unamortized loan fees was $ 156,000 . The following table presents information regarding loans acquired and accounted for in accordance with ASC 310-30 (in thousands): March 31, 2022 December 31, 2021 Outstanding Balance $ 10,239 $ 12,862 Carrying Amount $ 6,814 $ 8,304 As a result of the acquisition of UpState New York Bancorp, Inc. (“UpState”), the Company added $ 15,410,000 of loans that were accounted for in accordance with ASC 310-30. Based on a review of the loans acquired by the Company’s senior lending management, which included an analysis of credit deterioration of the loans since origination, the Company recorded a specific credit fair value adjustment of $ 6,937,000 . For loans that were acquired with specific evidence of deterioration in credit quality, loan losses will be accounted for through a reduction of the specific reserve and will not impact the allowance for loan losses until actual losses exceed the allotted reserves. For loans acquired without a deterioration of credit quality, losses incurred will result in adjustments to the allowance for loan losses through the allowance for loan loss adequacy calculation. Changes in the accretable yield for purchased credit impaired loans for the three-months ended March 31, 2022 and 2021, were as follows (in thousands): 2022 2021 Balance at beginning of period $ 1,884 $ 1,365 Additions — — Accretion ( 258 ) ( 176 ) Reclassification and other ( 386 ) 43 Balance at end of period $ 1,240 $ 1,232 Loans acquired with credit deterioration of $ 15,410,000 and accounted for in accordance with ASC 310-30 were individually evaluated to estimate credit losses and a net recovery amount for each loan. The net cash flows for each loan were then discounted to present value using a risk-adjusted market rate. The table below presents the components of the purchase accounting adjustments: (In Thousands) July 7, 2020 Contractually required principal and interest $ 15,410 Non-accretable discount ( 5,213 ) Expected cash flows 10,197 Accretable discount ( 1,724 ) Estimated fair value $ 8,473 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. Such 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. We do 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. 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 March 31, 2022 and December 31, 2021, foreclosed real estate owned totaled $ 590,000 and $ 1,742,000 , respectively. During the three months ended March 31, 2022, there were no additions to the foreclosed real estate category. The Co mpany disposed of a parcel of the one property that was previously transferred to foreclosed real estate owned with a carrying value of $ 120,000 , and disposed of another property with a carrying value of $1,032,000 through the sale of the property. As of March 31, 2022, the Company has initiated formal foreclosure proceedings on six properties classified as consumer residential mortgages with an aggregate carrying value of $ 454,000 . The following table shows the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated: Real Estate Loans Commercial Other Consumer Residential Commercial Agricultural Construction Loans Agricultural Loans Total March 31, 2022 (In thousands) Individually evaluated for impairment $ — $ 1,643 $ — $ — $ 16 $ — $ — $ 1,659 Loans acquired with deteriorated credit quality 669 2,744 1,925 — — 1,476 — 6,814 Collectively evaluated for impairment 275,923 637,194 62,228 19,407 183,196 35,253 150,818 1,364,019 Total Loans $ 276,592 $ 641,581 $ 64,153 $ 19,407 $ 183,212 $ 36,729 $ 150,818 $ 1,372,492 Real Estate Loans Commercial Other Consumer Residential Commercial Agricultural Construction Loans Agricultural Loans Total (In thousands) December 31, 2021 Individually evaluated for impairment $ - $ 1,658 $ — $ - $ 16 $ — $ - $ 1,674 Loans acquired with deteriorated credit quality 784 3,285 1,918 - 198 2,119 - 8,304 Collectively evaluated for impairment 272,256 623,781 60,007 21,990 185,817 35,811 146,400 1,346,062 Total Loans $ 273,040 $ 628,724 $ 61,925 $ 21,990 $ 186,031 $ 37,930 $ 146,400 $ 1,356,040 The following table includes the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable. Unpaid Recorded Principal Associated Investment Balance Allowance March 31, 2022 (in thousands) With no related allowance recorded: Real Estate Loans: Commercial $ 1,643 $ 1,643 $ — Commercial Loans 16 16 — Subtotal $ 1,659 $ 1,659 $ — Total: Real Estate Loans: Commercial $ 1,643 $ 1,643 $ — Commercial Loans 16 16 — Total Impaired Loans $ 1,659 $ 1,659 $ — Unpaid Recorded Principal Associated Investment Balance Allowance December 31, 2021 (in thousands) With no related allowance recorded: Real Estate Loans: Commercial $ 141 $ 141 $ — Commercial Loans 16 16 — Subtotal 157 157 — With an allowance recorded: Real Estate Loans Commercial 1,517 1,517 272 Subtotal 1,517 1,517 272 Total: Real Estate Loans: Commercial 1,658 1,658 272 Commercial Loans 16 16 — Total Impaired Loans $ 1,674 $ 1,674 $ 272 The following table presents the average recorded investment in impaired loans and the related amount of interest income recognized during the three-month periods ended March 31, 2022 and 2021, respectively (in thousands): Average Recorded Interest Income Investment Recognized 2022 2021 2022 2021 Real Estate Loans: Commercial $ 1,650 $ 2,566 $ 17 $ 1 Commercial Loans 16 122 — — Total $ 1,666 $ 2,688 $ 17 $ 1 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 March 31, 2022 and December 31, 2021, the Company had no troubled debt restructured loans to report. For the three-month period ended March 31, 2022 and 2021, there were no new loans identified as troubled debt restructurings. 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. All loans greater than 90 days past due are considered Substandard. 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 Bank 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 March 31, 2022 and December 31, 2021 (in thousands): Special Doubtful Pass Mention Substandard or Loss Total March 31, 2022 Commercial real estate loans $ 635,807 $ 1,093 $ 4,681 $ — $ 641,581 Real estate - agricultural 62,413 — 1,740 — 64,153 Commercial loans 182,927 195 90 — 183,212 Other agricultural loans 35,101 207 1,421 — 36,729 Total $ 916,248 $ 1,495 $ 7,932 $ — $ 925,675 Special Doubtful Pass Mention Substandard or Loss Total December 31, 2021 Commercial real estate loans $ 618,541 $ 5,146 $ 4,765 $ 272 $ 628,724 Real estate - agricultural 60,193 — 1,732 — 61,925 Commercial loans 185,729 199 103 — 186,031 Other agricultural loans 35,573 210 2,147 — 37,930 Total $ 900,036 $ 5,555 $ 8,747 $ 272 $ 914,610 For residential real estate loans, construction loans and consumer loans, the Company evaluates credit quality based on the performance of the individual credits. The following table presents the recorded investment in the loan classes based on payment activity as of March 31, 2022 and December 31, 2021 (in thousands): Performing Nonperforming Total March 31, 2022 Residential real estate loans $ 276,132 $ 460 $ 276,592 Construction 19,407 — 19,407 Consumer loans to individuals 150,687 131 150,818 Total $ 446,226 $ 591 $ 446,817 Performing Nonperforming Total December 31, 2021 Residential real estate loans $ 272,571 $ 469 $ 273,040 Construction 21,990 — 21,990 Consumer loans to individuals 146,345 55 146,400 Total $ 440,906 $ 524 $ 441,430 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 March 31, 2022 and December 31, 2021 (in thousands): Current 31-60 Days Past Due 61-90 Days Past Due Greater than 90 Days Past Due and still accruing Nonaccrual Total Past Due and Non-Accrual Purchased Credit-Impaired Total Loans March 31, 2022 Real Estate loans Residential $ 275,081 $ 242 $ 140 $ - $ 460 $ 842 $ 669 $ 276,592 Commercial 638,502 194 40 - 101 335 2,744 641,581 Agricultural 62,228 - - - - - 1,925 64,153 Construction 19,407 - - - - - - 19,407 Commercial loans 183,122 74 - - 16 90 - 183,212 Other agricultural loans 35,163 90 - - 90 1,476 36,729 Consumer loans 150,451 167 69 - 131 367 - 150,818 Total $ 1,363,954 $ 767 $ 249 $ - $ 708 $ 1,724 $ 6,814 $ 1,372,492 Current 31-60 Days Past Due 61-90 Days Past Due Greater than 90 Days Past Due and still accruing Nonaccrual Total Past Due and Non-Accrual Purchased Credit-Impaired Total Loans December 31, 2021 Real Estate loans Residential $ 271,622 $ 155 $ 10 $ - $ 469 $ 634 - $ 784 $ 273,040 Commercial 625,336 - - - 103 103 - 3,285 628,724 Agricultural 59,982 25 - - 25 1,918 61,925 Construction 21,990 - - - - - - - 21,990 Commercial loans 185,801 3 13 91 16 32 - 198 186,031 Other agricultural loans 35,811 - - - - 2,119 37,930 Consumer loans 145,986 248 111 - 55 414 - - 146,400 Total $ 1,346,528 $ 431 $ 134 $ 91 $ 643 $ 1,208 - $ 8,304 $ 1,356,040 Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the allowance for loan losses. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the allowance. As of March 31, 2022, the allocation of the allowance pertaining to each major category of loans includes an allocation for loans secured by farmland and other agricultural loans. As of March 31 2022, the Company has also continued to incorporate qualitative factors related to the pandemic to capture some of the risk associated with higher-risk industries, although the factor has been reduced from the December 31, 2021 level. The qualitative factor related to the deferral of payments due to COVID-19 has been eliminated. At March 31, 2022, the allowance for loan losses includes $ 1.7 million of COVID related factors, compared to $ 2.3 million at December 31, 2021. The 2022 allowance for loan losses excludes Paycheck Protection Program loans which are fully guaranteed by the Small Business Association as well as loans acquired from UpState which were recorded at fair value. The following table presents the allowance for loan losses by the classes of the loan portfolio: (In thousands) Residential Real Estate Commercial Real Estate Agricultural Construction Commercial Other Agricultural Consumer Total Beginning balance, December 31, 2021 $ 2,175 $ 10,878 $ - $ 133 $ 1,490 $ - $ 1,766 $ 16,442 Charge Offs ( 115 ) - - - ( 15 ) - ( 52 ) ( 182 ) Recoveries 2 74 - - 9 - 15 100 Provision for loan losses 264 ( 665 ) 504 1 11 292 ( 107 ) 300 Ending balance, March 31, 2022 $ 2,326 $ 10,287 $ 504 $ 134 $ 1,495 $ 292 $ 1,622 $ 16,660 Ending balance individually evaluated for impairment $ - $ 1,643 $ - $ - $ 16 $ - $ - $ 1,659 Ending balance collectively evaluated for impairment $ 2,326 $ 8,644 $ 504 $ 134 $ 1,479 $ 292 $ 1,622 $ 15,001 (In thousands) Residential Real Estate Commercial Real Estate Agricultural Construction Commercial Other Agricultural Consumer Total Beginning balance, December 31, 2020 $ 1,960 $ 8,004 $ - $ 150 $ 1,360 $ - $ 1,676 $ 13,150 Charge Offs ( 5 ) - - - ( 60 ) - ( 103 ) ( 168 ) Recoveries 2 4 - - 8 - 13 27 Provision for loan losses 167 1,076 - ( 28 ) 97 - 188 1,500 Ending balance, March 31, 2021 $ 2,124 $ 9,084 $ — $ 122 $ 1,405 $ — $ 1,774 $ 14,509 Ending balance individually evaluated for impairment $ - $ - $ - $ - $ 38 $ - $ — $ 38 Ending balance collectively evaluated for impairment $ 2,124 $ 9,084 $ — $ 122 $ 1,367 $ — $ 1,774 $ 14,471 The Company’s primary business activity as of March 31, 2022 was with customers located in northeastern Pennsylvania and the New York counties of Delaware, Sullivan, Ontario, Otsego and Yates. Accordingly, the Company has extended credit primarily to commercial entities and individuals in this area whose ability to repay their loans is influenced by the region’s economy. As of March 31, 2022, the Company considered its concentration of credit risk to be acceptable. The highest concentrations are in commercial rentals with $ 138.0 million of loans outstanding, or 10.1 % of total loans outstanding, and residential rentals with loans outstanding of $ 116.4 million, or 8.5 % of loans outstanding. During 2022, the Company did not recognize any charge offs on loans in the named concentrations.

Operating Leases

Operating Leases	3 Months Ended
	Mar. 31, 2022
Operating Leases [Abstract]
Operating Leases	9 . Operating Leases The Company leases eight 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 occupancy 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 three-month periods ended March 31, 2022 and 2021, amounted to $ 148,000 and $ 147,000 respectively. 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. The following table presents the weighted-average remaining lease term and discount rate for the leases outstanding at March 31, 2022. Operating Weighted-average remaining term 11.3 Weighted-average discount rate 2.89 % The following table presents the undiscounted cash flows due related to operating leases as of March 31, 2022, along with a reconciliation to the discounted amount recorded on the Consolidated Balance Sheets: Undiscounted cash flows due (in thousands) Operating 2021 $ 405 2022 535 2023 544 2024 561 2025 504 2026 and thereafter 2,815 Total undiscounted cash flows 5,364 Discount on cash flows ( 891 ) Total lease liabilities $ 4,473

Fair Value of Assets and Liabil

Fair Value of Assets and Liabilities	3 Months Ended
	Mar. 31, 2022
Fair Value of Assets and Liabilities [Abstract]
Fair Value of Assets and Liabilities	10 . Fair Value of Assets and Liabilities 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 16 of the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021. 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 March 31, 2022 and December 31, 2021 are as follows: Fair Value Measurement Using Reporting Date Description Total Level 1 Level 2 Level 3 March 31, 2022 (In thousands) ASSETS Available for Sale: U.S. Treasury securities $ 20,218 $ - $ 20,218 $ - U.S. Government agencies 14,981 14,981 States and political subdivisions 149,998 - 149,998 - Mortgage-backed securities-government sponsored entities 249,727 - 249,727 - Interest rate derivatives 831 - 831 - LIABILITIES Interest rate derivatives 831 - 831 - Description Total Level 1 Level 2 Level 3 December 31, 2021 (In thousands) ASSETS Available for Sale: U.S. Treasury securities $ 19,351 $ $ 19,351 $ U.S. Government agencies 16,011 - 16,011 - States and political subdivisions 145,867 145,867 Corporate obligations - - - - Mortgage-backed securities-government sponsored entities 225,553 - 225,553 - Interest rate derivatives 235 - 235 - LIABILITIES Interest rate derivatives 235 - 235 - Securities: The fair value of securities available for sale (carried at fair value) and held to maturity (carried at amortized cost) 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. Interest Rate Swaps: The fair value of interest rate swaps is based upon the present value of the expected future cash flows using the LIBOR swap curve, the basis for the underlying interest rate. To price interest rate swaps, cash flows are first projected for each payment date using the fixed rate for the fixed side of the swap and the forward rates for the floating side of the swap. These swap cash flows are then discounted to time zero using LIBOR zero-coupon interest rates. The sum of the present value of both legs is the fair market value of the interest rate swap. These valuations have been derived from our third party vendor’s proprietary models rather than actual market quotations. The proprietary models are based upon financial principles and assumptions that we believe to be reasonable. 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 March 31, 2022 and December 31, 2021 are as follows: Fair Value Measurement Using Reporting Date (In thousands) Description Total Level 1 Level 2 Level 3 March 31, 2022 Impaired Loans $ 1,659 $ - $ - $ 1,659 Foreclosed Real Estate Owned 590 - - 590 December 31, 2021 Impaired Loans $ 1,402 $ - $ - $ 1,402 Foreclosed Real Estate Owned 1,742 - - 1,742 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 March 31, 2022, the fair value investment in impaired loans was $ 1,659,000 which included four loan relationships that did not require a valuation allowance since the estimated realizable value of the collateral exceeded the recorded investment in the loans. As of March 31, 2022, the Company has not recognized charge-offs against the allowance for loan losses on any of these impaired loans. As of December 31, 2021, the fair value investment in impaired loans totaled $ 1,402,000 which included three loan relationships with a carrying value of $ 157,000 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, 2021, the Company has recognized charge-offs against the allowance for loan losses on these impaired loans in the amount of $ 0 over the life of the loans. As of December 31, 2021, the fair value investment in impaired loans included one loan relationships with a carrying value of $ 1,517,000 that required a valuation allowance of $ 272,000 since the estimated realizable value of the collateral did not support the recorded investment in the loan. As of December 31, 2021, the Company has recognized charge-offs against the allowance for loan losses on this impaired loan in the amount of $ 0 over the life of the loan. Foreclosed real estate owned (carried at fair value): Real estate properties acquired through loan foreclosures, or by deed 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 table presents additional quantitative information about assets measured at fair value on a non-recurring 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) March 31, 2022 Impaired loans $ 1,659 Appraisal of collateral(1) Appraisal adjustments(2) 10.0 % ( 10.00 %) Foreclosed real estate owned $ 590 Appraisal of collateral(1) Liquidation Expenses(2) 7.00 % ( 7.00 %) Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) December 31, 2021 Impaired loans $ 1,402 Appraisal of collateral(1) Appraisal adjustments(2) 0 %- 10.0 % ( 1.12 %) Foreclosed real estate owned $ 1,742 Appraisal of collateral(1) Liquidation Expenses(2) 7.00 % ( 7.00 %) (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 following methods and assumptions were used to estimate the fair values of the Company’s financial instruments at March 31, 2022 and December 31, 2021. Loans receivable (carried at cost): The fair values of loans are estimated using discounted cash flow analyses, using market rates at the balance sheet date that reflect the credit and interest rate-risk inherent in the loans. Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal. Generally, for variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values. Mortgage servicing rights (generally carried at cost) The Company utilizes a third party provider to estimate the fair value of certain loan servicing rights. Fair value for the purpose of this measurement is defined as the amount at which the asset could be exchanged in a current transaction between willing parties, other than in a forced liquidation. Deposit liabilities (carried at cost): The fair values disclosed for demand deposits (e.g., interest and noninterest checking, passbook savings and money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits. Other borrowings (carried at cost): Fair values of FHLB advances are estimated using discounted cash flow analysis, based on quoted prices for new FHLB advances with similar credit risk characteristics, terms and remaining maturity. These prices obtained from this active market represent a fair value that is deemed to represent the transfer price if the liability were assumed by a third party. The estimated fair values of the Bank’s financial instruments not required to be measured or reported at fair value were as follows at March 31, 2022 and December 31, 2021. (In thousands) Fair Value Measurements at March 31, 2022 Carrying Amount Fair Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents (1) $ 166,026 $ 166,026 $ 166,026 $ - $ - Loans receivable, net 1,354,985 1,383,948 - - 1,383,948 Mortgage servicing rights 267 500 - - 500 Regulatory stock (1) 3,423 3,423 3,423 - - Bank owned life insurance (1) 40,215 40,215 40,215 - - Accrued interest receivable (1) 5,876 5,876 5,876 - - Financial liabilities: Deposits 1,781,777 1,784,253 1,295,792 - 488,461 Short-term borrowings (1) 63,622 63,622 63,622 - - Other borrowings 26,844 26,589 - - 26,589 Accrued interest payable (1) 1,160 1,160 1,160 - - Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit - - - - - Fair Value Measurements at December 31, 2021 Carrying Amount Fair Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents (1) $ 206,681 $ 206,681 $ 206,681 $ - $ - Loans receivable, net 1,338,489 1,389,870 - - 1,389,870 Mortgage servicing rights 289 500 - - 500 Regulatory stock (1) 3,927 3,927 3,927 - - Bank owned life insurance (1) 40,038 40,038 40,038 - - Accrued interest receivable (1) 5,889 5,889 5,889 - - Financial liabilities: Deposits 1,756,793 1,759,722 1,228,091 - 531,631 Short-term borrowings (1) 60,822 60,822 60,822 - - Other borrowings 29,998 30,221 - - 30,221 Accrued interest payable (1) 1,203 1,203 1,203 - - 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.

Interest Rate Swaps

Interest Rate Swaps	3 Months Ended
	Mar. 31, 2022
Interest Rate Swaps [Abstract]
Interest Rate Swaps	11 . Interest Rate Swaps The Company enters into interest rate swaps that allow our commercial loan customers to effectively convert a variable-rate commercial loan agreement to a fixed-rate commercial loan agreement. Under these agreements, the Company enters into a variable-rate loan agreement with a customer in addition to an interest rate swap agreement, which serves to effectively swap the customer’s variable-rate into a fixed-rate. The Company then enters into a corresponding swap agreement with a third party in order to economically hedge its exposure through the customer agreement. The interest rate swaps with both the customers and third parties are not designated as hedges under FASB ASC 815 and are not marked to market through earnings. As the interest rate swaps are structured to offset each other, changes to the underlying benchmark interest rates considered in the valuation of these instruments do not result in an impact to earnings; however, there may be fair value adjustments related to credit quality variations between counterparties, which may impact earnings as required by FASB ASC 820. There was no effect on earnings in any periods presented. At March 31, 2022 and December 31, 2021, based upon the swap contract values, the company pledged cash in the amount of $ 350,000 as collateral for its interest rate swaps with a third-party financial institution. The fair value of the swaps as of March 31, 2022 and December 31, 2021 was $ 831,000 and $ 235,000 , respectively. Summary information regarding these derivatives is presented below: (Amounts in thousands) Notional Amount Fair Value March 31, 2022 December 31, 2021 Interest Rate Paid Interest Rate Received March 31, 2022 December 31, 2021 Customer interest rate swap Maturing November, 2030 $ 6,784 $ 6,873 1 month LIBOR + Margin Fixed $ 504 $ 144 Maturing December, 2030 4,489 4,553 1 month LIBOR + Margin Fixed 327 91 Total $ 11,273 $ 11,426 $ 831 $ 235 Third party interest rate swap Maturing November, 2030 $ 6,784 $ 6,873 Fixed 1 month LIBOR + Margin $ 504 $ 144 Maturing December, 2030 4,489 4,553 Fixed 1 month LIBOR + Margin 327 91 Total $ 11,273 $ 11,426 $ 831 $ 235 The following table presents the fair values of derivative instruments in the Consolidated Balance Sheet. (Amounts in thousands) Assets Liabilities Balance Sheet Location Fair Value Balance Sheet Location Fair Value March 31, 2022 Interest rate derivatives Other assets $ 831 Other liabilities $ 831 December 31, 2021 Interest rate derivatives Other assets 235 Other liabilities 235

New and Recently Adopted Accoun

New and Recently Adopted Accounting Pronouncements	3 Months Ended
	Mar. 31, 2022
New and Recently Adopted Accounting Pronouncements [Abstract]
New and Recently Adopted Accounting Pronouncements	12 . New and Recently Adopted Accounting Pronouncements 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 affected 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. 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. This Update is effective 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 unit’s fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. The Update is effective for smaller reporting companies and all other entities for 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 April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Derivatives, and Hedging (Topic 815); and Financial Instruments (Topic 825), which affects a variety of topics in the Codification and applies to all reporting entities within the scope of the affected accounting guidance. ASU 2019-04 makes clarifying amendments to certain financial instrument standards. For entities that have not yet adopted ASU 2016-13, the effective dates for the amendments related to ASU 2016-13 are the same as the effective dates in ASU 2016-13. For entities that have adopted ASU 2016-13, the amendments related to ASU 2016-13 are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For entities that have not yet adopted ASU 2017-12 as of April 25, 2019, the effective dates for the amendments to Topic 815 are the same as the effective dates in ASU 2017-12. For entities that have adopted ASU 2017-12 as of April 25, 2019, the effective date is as of the beginning of the first annual period beginning after April 25, 2019. The amendments related to ASU 2016-01 are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. 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 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 the credit losses standard, the ASU is effective when they implement the credit losses standard. For entities that already have adopted the credit losses standard, the ASU is effective for fiscal years beginning after December 15, 2019, 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 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. For entities that have not yet adopted ASU 2016-13 as of November 26, 2019, the effective dates for ASU 2019-11 are the same as the effective dates and transition requirements in ASU 2016-13. For entities that have adopted ASU 2016-13, ASU 2019-11 is effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. The Company qualifies as a smaller reporting company and does not expect to early adopt these ASUs. In March 2020, the FASB issued ASU 2020-03 , Codification Improvements to Financial Instruments. This ASU was issued to improve and clarify various financial instruments topics, including the current expected credit losses (CECL) standard issued in 2016. The ASU includes seven issues that describe the areas of improvement and the related amendments to GAAP; they are intended to make the standards easier to understand and apply and to eliminate inconsistencies, and they are narrow in scope and are not expected to significantly change practice for most entities. Among its provisions, the ASU clarifies that all entities, other than public business entities that elected the fair value option, are required to provide certain fair value disclosures under ASC 825, Financial Instruments , in both interim and annual financial statements. It also clarifies that the contractual term of a net investment in a lease under Topic 842 should be the contractual term used to measure expected credit losses under Topic 326. Amendments related to ASU 2019-04 are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is not permitted before an entity’s adoption of ASU 2016-01. Amendments related to ASU 2016-13 for entities that have not yet adopted that guidance are effective upon adoption of the amendments in ASU 2016-13. Early adoption is not permitted before an entity’s adoption of ASU 2016-13. Amendments related to ASU 2016-13 for entities that have adopted that guidance are effective for fiscal years beginning after December 15, 2019, including interim periods within those years. Other amendments are effective upon issuance of this ASU. 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 January 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting, March 2020 , to provide temporary optional expedients and exceptions to the U.S. GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates, such as the Secured Overnight Financing Rate. Entities can elect not to apply certain modification accounting requirements to contracts affected by what the guidance calls “reference rate reform” if certain criteria are met. An entity that makes this election would not have to remeasure the contracts at the modification date or reassess a previous accounting determination. Also, entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform if certain criteria are met, and can make a one-time election to sell and/or reclassify held-to-maturity debt securities that reference an interest rate affected by reference rate reform. The amendments in this ASU are effective for all entities upon issuance through December 31, 2022. It is too early to predict whether a new rate index replacement and the adoption of the ASU will have a material impact on the Company’s financial statements. In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848) , which provides optional temporary guidance for entities transitioning away from the London Interbank Offered Rate (LIBOR) and other interbank offered rates (IBORs) to new references rates so that derivatives affected by the discounting transition are explicitly eligible for certain optional expedients and exceptions within Topic 848. ASU 2021-01 clarifies that the derivatives affected by the discounting transition are explicitly eligible for certain optional expedients and exceptions in Topic 848. ASU 2021-01 is effective immediately for all entities. Entities may elect to apply the amendments on a full retrospective basis as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or on a prospective basis to new modifications from any date within an interim period that includes or is subsequent to the date of the issuance of a final update, up to the date that financial statements are available to be issued. The amendments in this update do not apply to contract modifications made, as well as new hedging relationships entered into, after December 31, 2022, and to existing hedging relationships evaluated for effectiveness for periods after December 31, 2022, except for certain hedging relationships existing as of December 31, 2022, that apply certain optional expedients in which the accounting effects are recorded through the end of the hedging relationship. 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 March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (ASC 326): Troubled Debt Restructurings (TDRs) and Vintage Disclosures . The guidance amends ASC 326 to eliminate the accounting guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancing and restructuring activities by creditors when a borrower is experiencing financial difficulty. Specifically, rather than applying TDR recognition and measurement guidance, creditors will determine whether a modification results in a new loan or continuation of existing loan. These amendments are intended to enhance existing disclosure requirements and introduce new requirements related to certain modifications of receivables made to borrowers experiencing financial difficulty. Additionally, the amendments to ASC 326 require that an entity disclose current-period gross writeoffs by year of origination within the vintage disclosures, which requires that an entity disclose the amortized cost basis of financing receivables by credit quality indicator and class of financing receivable by year of origination. The guidance is only for entities that have adopted the amendments in Update 2016-13 for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2022. Early adoption using prospective application, including adoption in an interim period where the guidance should be applied as of the beginning of the fiscal year. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations.

Revenue Recognition (Tables)

Revenue Recognition (Tables)	3 Months Ended
	Mar. 31, 2022
Revenue Recognition [Abstract]
Noninterest Income	Three months ended March 31, (dollars in thousands) Noninterest Income 2022 2021 In-scope of Topic 606: Service charges on deposit accounts $ 99 $ 97 ATM fees 105 101 Overdraft fees 288 228 Safe deposit box rental 22 27 Loan related service fees 269 245 Debit card fees 628 492 Fiduciary activities 202 160 Commissions on mutual funds and annuities 41 36 Gains on sales of other real estate owned 427 3 Other income 1,063 154 Noninterest Income ( in-scope of Topic 606 ) 3,144 1,543 Out-of-scope of Topic 606: Net realized gains on sales of securities — 21 Loan servicing fees 18 25 Gains on sales of loans — 29 Earnings on and proceeds from bank-owned life insurance 176 374 Noninterest Income ( out-of-scope of Topic 606 ) 194 449 Total Noninterest Income $ 3,338 $ 1,992

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Schedule Of Weighted Average Shares Outstanding Used In The Computations Of Basic And Diluted Earnings Per Share	(in thousands) Three Months Ended March 31, 2022 2021 Weighted average shares outstanding 8,203 8,227 Less: Unvested restricted shares ( 32 ) ( 37 ) Basic EPS weighted average shares outstanding 8,171 8,190 Basic EPS weighted average shares outstanding 8,171 8,190 Add: Dilutive effect of stock options and restricted shares 25 24 Diluted EPS weighted average shares outstanding 8,196 8,214

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2022
Stock-Based Compensation [Abstract]
Summary of Stock Option Activity	Weighted Average Exercise Weighted Average Aggregate Price Remaining Intrinsic Value Options Per Share Contractual Term ($000) Outstanding at January 1, 2022 226,075 $ 26.37 6.4 Yrs. $ 520 Granted — - - Exercised ( 2,400 ) 19.62 2.0 Forfeited — - - Outstanding at March 31, 2022 223,675 $ 26.44 6.2 Yrs. $ 860 Exercisable at March 31, 2022 180,175 $ 26.59 5.3 Yrs. $ 739
Summary of Restricted Stock Activity	2022 2021 Weighted-Average Weighted-Average Number of Grant Date Number of Grant Date Restricted Stock Fair Value Restricted Stock Fair Value Non-vested, January 1, 32,030 $ 26.76 39,135 $ 30.72 Granted — — — — Vested — — — — Forfeited — — ( 3,900 ) 30.86 Non-vested, March 31, 32,030 $ 26.76 35,235 $ 30.71

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Abstract]
Summary of Changes In Accumulated Other Comprehensive Income (Loss)	Unrealized gains (losses) on available for sale securities (a) Balance as of December 31, 2021 $ ( 256 ) Other comprehensive loss before reclassification ( 23,469 ) Amount reclassified from accumulated other comprehensive income — Total other comprehensive loss ( 23,469 ) Balance as of March 31, 2022 $ ( 23,725 ) Unrealized gains (losses) on available for sale securities (a) Balance as of December 31, 2020 $ 5,119 Other comprehensive income before reclassification ( 3,081 ) Amount reclassified from accumulated other comprehensive income ( 17 ) Total other comprehensive income ( 3,098 ) Balance as of March 31, 2021 $ 2,021 (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 Other Comprehensive Income (Loss) (a) Affected Line Item in Three months ended Consolidated March 31, Statements Details about other comprehensive income 2022 2021 of Income Unrealized gains on available for sale securities $ — $ 21 Net realized gains on sales of securities Tax effect — ( 4 ) Income tax expense $ — $ 17 (a) Amounts in parentheses indicate debits to net income

Off-Balance Sheet Financial I_2

Off-Balance Sheet Financial Instruments and Guarantees (Tables)	3 Months Ended
	Mar. 31, 2022
Off-Balance Sheet Financial Instruments and Guarantees [Abstract]
Schedule of Fair Value, Off-balance Sheet Risks	(in thousands) March 31, 2022 2021 Commitments to grant loans $ 82,432 $ 82,444 Unfunded commitments under lines of credit 151,759 136,710 Standby letters of credit 8,877 5,606 $ 243,068 $ 224,760

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2022
Securities [Abstract]
Schedule of Amortized Cost Gross Unrealized Gains and Losses, and Fair Values of Securities	March 31, 2022 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Available for Sale: U.S. Treasury securities $ 21,596 $ - $ ( 1,378 ) $ 20,218 U.S. Government agencies 16,281 - ( 1,300 ) 14,981 States and political subdivisions 162,271 362 ( 12,635 ) 149,998 Mortgage-backed securities- government sponsored entities 266,322 10 ( 16,605 ) 249,727 Total debt securities $ 466,470 $ 372 $ ( 31,918 ) $ 434,924 December 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Available for Sale: U.S. Government agencies $ 19,550 $ 6 $ ( 205 ) $ 19,351 States and political subdivisions 16,251 24 ( 264 ) 16,011 Corporate obligations 145,107 2,155 ( 1,395 ) 145,867 Mortgage-backed securities-government sponsored entities 227,712 766 ( 2,925 ) 225,553 Total debt securities $ 408,620 $ 2,951 $ ( 4,789 ) $ 406,782
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	March 31, 2022 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities $ 20,218 $ ( 1,378 ) $ - $ - $ 20,218 $ ( 1,378 ) U.S. Government agencies 12,648 ( 947 ) 2,333 ( 353 ) 14,981 ( 1,300 ) States and political subdivisions 112,284 ( 11,171 ) 10,522 ( 1,464 ) 122,806 ( 12,635 ) Mortgage-backed securities-government sponsored entities 201,488 ( 12,501 ) 41,483 ( 4,104 ) 242,971 ( 16,605 ) $ 346,638 $ ( 25,997 ) $ 54,338 $ ( 5,921 ) $ 400,976 $ ( 31,918 ) December 31, 2021 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities $ 18,361 $ ( 205 ) $ - $ - $ 18,361 $ ( 205 ) U.S. Government agencies 7,912 ( 109 ) 3,843 ( 155 ) 11,755 ( 264 ) States and political subdivisions 74,658 ( 1,395 ) - - 74,658 ( 1,395 ) Mortgage-backed securities-government sponsored entities 170,647 ( 2,856 ) 2,919 ( 69 ) 173,566 ( 2,925 ) $ 271,578 $ ( 4,565 ) $ 6,762 $ ( 224 ) $ 278,340 $ ( 4,789 )
Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	Available for Sale Amortized Cost Fair Value (In Thousands) Due in one year or less $ 2,139 $ 2,160 Due after one year through five years 11,754 11,630 Due after five years through ten years 59,323 54,894 Due after ten years 126,932 116,513 200,148 185,197 Mortgage-backed securities-government sponsored entities 266,322 249,727 $ 466,470 $ 434,924
Gross Realized Gains and Losses on Sales of Securities Available-for-Sale	Three Months Ended March 31, 2022 2021 Gross realized gains $ — $ 21 Gross realized losses — — Net realized gain $ — $ 21 Proceeds from sales of securities $ — $ 1,127

Loans Receivable and Allowanc_2

Loans Receivable and Allowance for Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2022
Loans Receivable and Allowance for Loan Losses [Abstract]
Composition of the Loan Portfolio	March 31, 2022 December 31, 2021 Real Estate Loans: Residential $ 276,592 20.2 % $ 273,040 20.1 % Commercial 641,581 46.7 628,724 46.4 Agricultural 64,153 4.7 61,925 4.6 Construction 19,407 1.4 21,990 1.6 Commercial loans 183,212 13.3 186,031 13.7 Other agricultural loans 36,729 2.7 37,930 2.8 Consumer loans to individuals 150,818 11.0 146,400 10.8 Total loans 1,372,492 100.0 % 1,356,040 100.0 % Deferred fees, net ( 847 ) ( 1,109 ) Total loans receivable 1,371,645 1,354,931 Allowance for loan losses ( 16,660 ) ( 16,442 ) Net loans receivable $ 1,354,985 $ 1,338,489
Information Regarding Loans Acquired and Accounted for in Accordance With ASC 310-30	March 31, 2022 December 31, 2021 Outstanding Balance $ 10,239 $ 12,862 Carrying Amount $ 6,814 $ 8,304
Changes in the Accretable Yield for Purchased Credit-impaired Loans	2022 2021 Balance at beginning of period $ 1,884 $ 1,365 Additions — — Accretion ( 258 ) ( 176 ) Reclassification and other ( 386 ) 43 Balance at end of period $ 1,240 $ 1,232
Components Of Purchase Accounting Adjustments Related To Purchased Credit-impaired Loans Acquired	(In Thousands) July 7, 2020 Contractually required principal and interest $ 15,410 Non-accretable discount ( 5,213 ) Expected cash flows 10,197 Accretable discount ( 1,724 ) Estimated fair value $ 8,473
Summary of Amount of Loans in Each Category that were Individually and Collectively Evaluated for Impairment	Real Estate Loans Commercial Other Consumer Residential Commercial Agricultural Construction Loans Agricultural Loans Total March 31, 2022 (In thousands) Individually evaluated for impairment $ — $ 1,643 $ — $ — $ 16 $ — $ — $ 1,659 Loans acquired with deteriorated credit quality 669 2,744 1,925 — — 1,476 — 6,814 Collectively evaluated for impairment 275,923 637,194 62,228 19,407 183,196 35,253 150,818 1,364,019 Total Loans $ 276,592 $ 641,581 $ 64,153 $ 19,407 $ 183,212 $ 36,729 $ 150,818 $ 1,372,492 Real Estate Loans Commercial Other Consumer Residential Commercial Agricultural Construction Loans Agricultural Loans Total (In thousands) December 31, 2021 Individually evaluated for impairment $ - $ 1,658 $ — $ - $ 16 $ — $ - $ 1,674 Loans acquired with deteriorated credit quality 784 3,285 1,918 - 198 2,119 - 8,304 Collectively evaluated for impairment 272,256 623,781 60,007 21,990 185,817 35,811 146,400 1,346,062 Total Loans $ 273,040 $ 628,724 $ 61,925 $ 21,990 $ 186,031 $ 37,930 $ 146,400 $ 1,356,040
Impaired Loans and Related Interest Income by Loan Portfolio Class	The following table includes the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable. Unpaid Recorded Principal Associated Investment Balance Allowance March 31, 2022 (in thousands) With no related allowance recorded: Real Estate Loans: Commercial $ 1,643 $ 1,643 $ — Commercial Loans 16 16 — Subtotal $ 1,659 $ 1,659 $ — Total: Real Estate Loans: Commercial $ 1,643 $ 1,643 $ — Commercial Loans 16 16 — Total Impaired Loans $ 1,659 $ 1,659 $ — Unpaid Recorded Principal Associated Investment Balance Allowance December 31, 2021 (in thousands) With no related allowance recorded: Real Estate Loans: Commercial $ 141 $ 141 $ — Commercial Loans 16 16 — Subtotal 157 157 — With an allowance recorded: Real Estate Loans Commercial 1,517 1,517 272 Subtotal 1,517 1,517 272 Total: Real Estate Loans: Commercial 1,658 1,658 272 Commercial Loans 16 16 — Total Impaired Loans $ 1,674 $ 1,674 $ 272 The following table presents the average recorded investment in impaired loans and the related amount of interest income recognized during the three-month periods ended March 31, 2022 and 2021, respectively (in thousands): Average Recorded Interest Income Investment Recognized 2022 2021 2022 2021 Real Estate Loans: Commercial $ 1,650 $ 2,566 $ 17 $ 1 Commercial Loans 16 122 — — Total $ 1,666 $ 2,688 $ 17 $ 1
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating	Special Doubtful Pass Mention Substandard or Loss Total March 31, 2022 Commercial real estate loans $ 635,807 $ 1,093 $ 4,681 $ — $ 641,581 Real estate - agricultural 62,413 — 1,740 — 64,153 Commercial loans 182,927 195 90 — 183,212 Other agricultural loans 35,101 207 1,421 — 36,729 Total $ 916,248 $ 1,495 $ 7,932 $ — $ 925,675 Special Doubtful Pass Mention Substandard or Loss Total December 31, 2021 Commercial real estate loans $ 618,541 $ 5,146 $ 4,765 $ 272 $ 628,724 Real estate - agricultural 60,193 — 1,732 — 61,925 Commercial loans 185,729 199 103 — 186,031 Other agricultural loans 35,573 210 2,147 — 37,930 Total $ 900,036 $ 5,555 $ 8,747 $ 272 $ 914,610 For residential real estate loans, construction loans and consumer loans, the Company evaluates credit quality based on the performance of the individual credits. The following table presents the recorded investment in the loan classes based on payment activity as of March 31, 2022 and December 31, 2021 (in thousands): Performing Nonperforming Total March 31, 2022 Residential real estate loans $ 276,132 $ 460 $ 276,592 Construction 19,407 — 19,407 Consumer loans to individuals 150,687 131 150,818 Total $ 446,226 $ 591 $ 446,817 Performing Nonperforming Total December 31, 2021 Residential real estate loans $ 272,571 $ 469 $ 273,040 Construction 21,990 — 21,990 Consumer loans to individuals 146,345 55 146,400 Total $ 440,906 $ 524 $ 441,430
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 Nonaccrual Total Past Due and Non-Accrual Purchased Credit-Impaired Total Loans March 31, 2022 Real Estate loans Residential $ 275,081 $ 242 $ 140 $ - $ 460 $ 842 $ 669 $ 276,592 Commercial 638,502 194 40 - 101 335 2,744 641,581 Agricultural 62,228 - - - - - 1,925 64,153 Construction 19,407 - - - - - - 19,407 Commercial loans 183,122 74 - - 16 90 - 183,212 Other agricultural loans 35,163 90 - - 90 1,476 36,729 Consumer loans 150,451 167 69 - 131 367 - 150,818 Total $ 1,363,954 $ 767 $ 249 $ - $ 708 $ 1,724 $ 6,814 $ 1,372,492 Current 31-60 Days Past Due 61-90 Days Past Due Greater than 90 Days Past Due and still accruing Nonaccrual Total Past Due and Non-Accrual Purchased Credit-Impaired Total Loans December 31, 2021 Real Estate loans Residential $ 271,622 $ 155 $ 10 $ - $ 469 $ 634 - $ 784 $ 273,040 Commercial 625,336 - - - 103 103 - 3,285 628,724 Agricultural 59,982 25 - - 25 1,918 61,925 Construction 21,990 - - - - - - - 21,990 Commercial loans 185,801 3 13 91 16 32 - 198 186,031 Other agricultural loans 35,811 - - - - 2,119 37,930 Consumer loans 145,986 248 111 - 55 414 - - 146,400 Total $ 1,346,528 $ 431 $ 134 $ 91 $ 643 $ 1,208 - $ 8,304 $ 1,356,040
Allowance for Loan Losses and Recorded Investment in Financing Receivables	(In thousands) Residential Real Estate Commercial Real Estate Agricultural Construction Commercial Other Agricultural Consumer Total Beginning balance, December 31, 2021 $ 2,175 $ 10,878 $ - $ 133 $ 1,490 $ - $ 1,766 $ 16,442 Charge Offs ( 115 ) - - - ( 15 ) - ( 52 ) ( 182 ) Recoveries 2 74 - - 9 - 15 100 Provision for loan losses 264 ( 665 ) 504 1 11 292 ( 107 ) 300 Ending balance, March 31, 2022 $ 2,326 $ 10,287 $ 504 $ 134 $ 1,495 $ 292 $ 1,622 $ 16,660 Ending balance individually evaluated for impairment $ - $ 1,643 $ - $ - $ 16 $ - $ - $ 1,659 Ending balance collectively evaluated for impairment $ 2,326 $ 8,644 $ 504 $ 134 $ 1,479 $ 292 $ 1,622 $ 15,001 (In thousands) Residential Real Estate Commercial Real Estate Agricultural Construction Commercial Other Agricultural Consumer Total Beginning balance, December 31, 2020 $ 1,960 $ 8,004 $ - $ 150 $ 1,360 $ - $ 1,676 $ 13,150 Charge Offs ( 5 ) - - - ( 60 ) - ( 103 ) ( 168 ) Recoveries 2 4 - - 8 - 13 27 Provision for loan losses 167 1,076 - ( 28 ) 97 - 188 1,500 Ending balance, March 31, 2021 $ 2,124 $ 9,084 $ — $ 122 $ 1,405 $ — $ 1,774 $ 14,509 Ending balance individually evaluated for impairment $ - $ - $ - $ - $ 38 $ - $ — $ 38 Ending balance collectively evaluated for impairment $ 2,124 $ 9,084 $ — $ 122 $ 1,367 $ — $ 1,774 $ 14,471

Operating Leases (Tables)

Operating Leases (Tables)	3 Months Ended
	Mar. 31, 2022
Operating Leases [Abstract]
Lease Cost	Operating Weighted-average remaining term 11.3 Weighted-average discount rate 2.89 %
Undiscounted Cash Flows Due	Undiscounted cash flows due (in thousands) Operating 2021 $ 405 2022 535 2023 544 2024 561 2025 504 2026 and thereafter 2,815 Total undiscounted cash flows 5,364 Discount on cash flows ( 891 ) Total lease liabilities $ 4,473

Fair Value of Assets and Liab_2

Fair Value of Assets and Liabilities (Tables)	3 Months Ended
	Mar. 31, 2022
Fair Value of Assets and Liabilities [Abstract]
Fair Value, Assets Measured on Recurring Basis	Fair Value Measurement Using Reporting Date Description Total Level 1 Level 2 Level 3 March 31, 2022 (In thousands) ASSETS Available for Sale: U.S. Treasury securities $ 20,218 $ - $ 20,218 $ - U.S. Government agencies 14,981 14,981 States and political subdivisions 149,998 - 149,998 - Mortgage-backed securities-government sponsored entities 249,727 - 249,727 - Interest rate derivatives 831 - 831 - LIABILITIES Interest rate derivatives 831 - 831 - Description Total Level 1 Level 2 Level 3 December 31, 2021 (In thousands) ASSETS Available for Sale: U.S. Treasury securities $ 19,351 $ $ 19,351 $ U.S. Government agencies 16,011 - 16,011 - States and political subdivisions 145,867 145,867 Corporate obligations - - - - Mortgage-backed securities-government sponsored entities 225,553 - 225,553 - Interest rate derivatives 235 - 235 - LIABILITIES Interest rate derivatives 235 - 235 -
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	Fair Value Measurement Using Reporting Date (In thousands) Description Total Level 1 Level 2 Level 3 March 31, 2022 Impaired Loans $ 1,659 $ - $ - $ 1,659 Foreclosed Real Estate Owned 590 - - 590 December 31, 2021 Impaired Loans $ 1,402 $ - $ - $ 1,402 Foreclosed Real Estate Owned 1,742 - - 1,742
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) March 31, 2022 Impaired loans $ 1,659 Appraisal of collateral(1) Appraisal adjustments(2) 10.0 % ( 10.00 %) Foreclosed real estate owned $ 590 Appraisal of collateral(1) Liquidation Expenses(2) 7.00 % ( 7.00 %) Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) December 31, 2021 Impaired loans $ 1,402 Appraisal of collateral(1) Appraisal adjustments(2) 0 %- 10.0 % ( 1.12 %) Foreclosed real estate owned $ 1,742 Appraisal of collateral(1) Liquidation Expenses(2) 7.00 % ( 7.00 %) (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 March 31, 2022 Carrying Amount Fair Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents (1) $ 166,026 $ 166,026 $ 166,026 $ - $ - Loans receivable, net 1,354,985 1,383,948 - - 1,383,948 Mortgage servicing rights 267 500 - - 500 Regulatory stock (1) 3,423 3,423 3,423 - - Bank owned life insurance (1) 40,215 40,215 40,215 - - Accrued interest receivable (1) 5,876 5,876 5,876 - - Financial liabilities: Deposits 1,781,777 1,784,253 1,295,792 - 488,461 Short-term borrowings (1) 63,622 63,622 63,622 - - Other borrowings 26,844 26,589 - - 26,589 Accrued interest payable (1) 1,160 1,160 1,160 - - Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit - - - - - Fair Value Measurements at December 31, 2021 Carrying Amount Fair Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents (1) $ 206,681 $ 206,681 $ 206,681 $ - $ - Loans receivable, net 1,338,489 1,389,870 - - 1,389,870 Mortgage servicing rights 289 500 - - 500 Regulatory stock (1) 3,927 3,927 3,927 - - Bank owned life insurance (1) 40,038 40,038 40,038 - - Accrued interest receivable (1) 5,889 5,889 5,889 - - Financial liabilities: Deposits 1,756,793 1,759,722 1,228,091 - 531,631 Short-term borrowings (1) 60,822 60,822 60,822 - - Other borrowings 29,998 30,221 - - 30,221 Accrued interest payable (1) 1,203 1,203 1,203 - - 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.

Interest Rate Swaps (Tables)

Interest Rate Swaps (Tables)	3 Months Ended
	Mar. 31, 2022
Interest Rate Swaps [Abstract]
Summary of Derivatives	(Amounts in thousands) Notional Amount Fair Value March 31, 2022 December 31, 2021 Interest Rate Paid Interest Rate Received March 31, 2022 December 31, 2021 Customer interest rate swap Maturing November, 2030 $ 6,784 $ 6,873 1 month LIBOR + Margin Fixed $ 504 $ 144 Maturing December, 2030 4,489 4,553 1 month LIBOR + Margin Fixed 327 91 Total $ 11,273 $ 11,426 $ 831 $ 235 Third party interest rate swap Maturing November, 2030 $ 6,784 $ 6,873 Fixed 1 month LIBOR + Margin $ 504 $ 144 Maturing December, 2030 4,489 4,553 Fixed 1 month LIBOR + Margin 327 91 Total $ 11,273 $ 11,426 $ 831 $ 235
Fair Value of Derivative Instruments	(Amounts in thousands) Assets Liabilities Balance Sheet Location Fair Value Balance Sheet Location Fair Value March 31, 2022 Interest rate derivatives Other assets $ 831 Other liabilities $ 831 December 31, 2021 Interest rate derivatives Other assets 235 Other liabilities 235

Revenue Recognition (Noninteres

Revenue Recognition (Noninterest Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Noninterest Income (in scope of Topic 606)	$ 3,144	$ 1,543
Net realized gains on sales of securities		21
Loan servicing fees	18	25
Gain on sales of loans		29
Earnings on and proceeds from bank-owned life insurance	176	374
Noninterest Income (out-of-scope of Topic 606)	194	449
Total other income	3,338	1,992
Service Charges On Deposit Accounts [Member]
Noninterest Income (in scope of Topic 606)	99	97
ATM Fees [Member]
Noninterest Income (in scope of Topic 606)	105	101
Overdraft Fees [Member]
Noninterest Income (in scope of Topic 606)	288	228
Safe Deposit Box Rental [Member]
Noninterest Income (in scope of Topic 606)	22	27
Loan Related Service Fees [Member]
Noninterest Income (in scope of Topic 606)	269	245
Debit Card Fees [Member]
Noninterest Income (in scope of Topic 606)	628	492
Fiduciary Activities [Member]
Noninterest Income (in scope of Topic 606)	202	160
Commissions On Mutual Funds And Annuities [Member]
Noninterest Income (in scope of Topic 606)	41	36
Gains On Sales Of Other Real Estate Owned [Member]
Noninterest Income (in scope of Topic 606)	427	3
Other Income [Member]
Noninterest Income (in scope of Topic 606)	$ 1,063	$ 154

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Earnings Per Share [Abstract]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	74,350	114,100
Share price	$ 28.59	$ 26.61	$ 25.99

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) - shares shares in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Weighted Average Number of Shares Outstanding, Basic [Abstract]
Weighted average shares outstanding	8,203	8,227
Less: Unvested restricted shares	(32)	(37)
Basic EPS weighted average shares outstanding	8,171	8,190
Weighted Average Number of Shares Outstanding, Diluted [Abstract]
Basic EPS weighted average shares outstanding	8,171	8,190
Add: Dilutive effect of stock options and restricted shares	25	24
Diluted EPS weighted average shares outstanding	8,196	8,214

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Future compensation expense of non-vested restricted stock outstanding	$ 871
Non-vested restricted stock recognition period	4 years 9 months
Non-vested stock outstanding	32,030	35,235	32,030	39,135
Compensation expense related to stock options	$ 67	$ 54
Share price	$ 28.59	$ 26.61	$ 25.99
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost	$ 82	$ 84
Norwood Financial Corp 2014 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost related to non-vested options granted	$ 202

Stock-Based Compensation (Summa

Stock-Based Compensation (Summary of Stock Option Activity) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Stock-Based Compensation [Abstract]
Options, beginning of year	226,075
Options, Exercised	(2,400)
Options, end of year	223,675	226,075
Options, Exercisable, end of period	180,175
Weighted Average Exercise Price Per Share, Outstanding, beginning of period	$ 26.37
Weighted Average Exercise Price Per Share, Exercised	19.62
Weighted Average Exercise Price Per Share, Outstanding, end of period	26.44	$ 26.37
Weighted Average Exercise Price Per Share, Exercisable, end of period	$ 26.59
Weighted Average Remaining Contractual Term, Outstanding	6 years 2 months 12 days	6 years 4 months 24 days
Weighted Average Remaining Contractual Term, Exercised During Period	2 years
Weighted Average Remaining Contractual Term, Exercisable at End of Period	5 years 3 months 18 days
Aggregate Intrinsic Value, Outstanding, beginning of period	$ 520
Aggregate Intrinsic Value, Outstanding, end of period	860	$ 520
Aggregate Intrinsic Value, Exercisable at end of period	$ 739

Stock-Based Compensation (Sum_2

Stock-Based Compensation (Summary of Restricted Stock Activity) (Details) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Stock-Based Compensation [Abstract]
Restricted stock Non-vested, beginning balance	32,030	39,135
Restricted stock, granted
Restricted stock, vested
Restricted stock, forfeited		(3,900)
Restricted stock Non-vested, ending balance	32,030	35,235
Restricted stock Non-vested, weighted-average grant date fair value, beginning balance	$ 26.76	$ 30.72
Restricted stock, granted, weighted-average grant date fair value
Restricted stock, vested, weighted-average grant date fair value
Restricted stock, forfeited, weighted-average grant date fair value		30.86
Restricted stock Non-vested, weighted-average grant date fair value, ending balance	$ 26.76	$ 30.71

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Summary Of Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	$ (256)
Other comprehensive loss	(23,469)	$ (3,098)
Ending balance	(23,725)
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive loss	(23,469)	(3,098)
Amount Reclassified From Accumulated Other Comprehensive Income (Loss) [Member] | Unrealized gains and losses on available-for-sale securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(256)	5,119
Other comprehensive income (loss) before reclassification	(23,469)	(3,081)
Amount reclassified from accumulated other comprehensive (income) loss		(17)
Other comprehensive loss	(23,469)	(3,098)
Ending balance	$ (23,725)	$ 2,021

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	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net realized gains on sales of securities		$ 21
Income tax expense	$ (1,854)	(1,271)
NET INCOME	$ 7,128	5,542
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		21
Income tax expense		(4)
NET INCOME		$ 17

Off-Balance Sheet Financial I_3

Off-Balance Sheet Financial Instruments and Guarantees (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Mar. 31, 2021
Loss Contingencies [Line Items]
Financial instrument commitments	$ 243,068	$ 224,760
Commitments to grant loans [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	82,432	82,444
Unfunded commitments under lines of credit [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	151,759	136,710
Standby letters of credit [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	$ 8,877	$ 5,606

Securities (Narrative) (Details

Securities (Narrative) (Details)	3 Months Ended
	Mar. 31, 2022USD ($)security	Dec. 31, 2021USD ($)
Securities [Abstract]
Debt securities in unrealized loss position in the less than twelve months category | security	249
Debt securities in unrealized loss position in the twelve months or more category | security	28
Impairment of investments | $	$ 0
Pledged Financial Instruments, Not Separately Reported, Securities | $	$ 336,782,000	$ 339,769,000

Securities (Schedule of Amortiz

Securities (Schedule of Amortized Cost Gross Unrealized Gains and Losses, and Fair Values of Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	$ 466,470
Available for Sale, Fair Value	434,924	$ 406,782
Debt Securities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	466,470	408,620
Available for Sale, Gross Unrealized Gains	372	2,951
Available for Sale, Gross Unrealized Losses	(31,918)	(4,789)
Available for Sale, Fair Value	434,924	406,782
U.S. Treasury Securities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	21,596
Available for Sale, Gross Unrealized Losses	(1,378)
Available for Sale, Fair Value	20,218
U.S. Government Agencies [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	16,281	19,550
Available for Sale, Gross Unrealized Gains		6
Available for Sale, Gross Unrealized Losses	(1,300)	(205)
Available for Sale, Fair Value	14,981	19,351
States And Political Subdivisions [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	162,271	16,251
Available for Sale, Gross Unrealized Gains	362	24
Available for Sale, Gross Unrealized Losses	(12,635)	(264)
Available for Sale, Fair Value	149,998	16,011
Corporate Obligations [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total		145,107
Available for Sale, Gross Unrealized Gains		2,155
Available for Sale, Gross Unrealized Losses		(1,395)
Available for Sale, Fair Value		145,867
Mortgage-backed Securities-Government Sponsored Entities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	266,322	227,712
Available for Sale, Gross Unrealized Gains	10	766
Available for Sale, Gross Unrealized Losses	(16,605)	(2,925)
Available for Sale, Fair Value	$ 249,727	$ 225,553

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	Mar. 31, 2022	Dec. 31, 2021
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	$ 346,638
Less than 12 Months, Unrealized Losses	(25,997)
12 Months or More, Fair Value	54,338
12 Months or More, Unrealized Losses	(5,921)
Total, Fair Value	400,976
Total, Unrealized Losses	(31,918)
Debt Securities [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value		$ 271,578
Less than 12 Months, Unrealized Losses		(4,565)
12 Months or More, Fair Value		6,762
12 Months or More, Unrealized Losses		(224)
Total, Fair Value		278,340
Total, Unrealized Losses		(4,789)
U.S. Treasury Securities [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	20,218	18,361
Less than 12 Months, Unrealized Losses	(1,378)	(205)
Total, Fair Value	20,218	18,361
Total, Unrealized Losses	(1,378)	(205)
U.S. Government Agencies [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	12,648	7,912
Less than 12 Months, Unrealized Losses	(947)	(109)
12 Months or More, Fair Value	2,333	3,843
12 Months or More, Unrealized Losses	(353)	(155)
Total, Fair Value	14,981	11,755
Total, Unrealized Losses	(1,300)	(264)
States And Political Subdivisions [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	112,284	74,658
Less than 12 Months, Unrealized Losses	(11,171)	(1,395)
12 Months or More, Fair Value	10,522
12 Months or More, Unrealized Losses	(1,464)
Total, Fair Value	122,806	74,658
Total, Unrealized Losses	(12,635)	(1,395)
Mortgage-backed Securities-Government Sponsored Entities [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	201,488	170,647
Less than 12 Months, Unrealized Losses	(12,501)	(2,856)
12 Months or More, Fair Value	41,483	2,919
12 Months or More, Unrealized Losses	(4,104)	(69)
Total, Fair Value	242,971	173,566
Total, Unrealized Losses	$ (16,605)	$ (2,925)

Securities (Schedule of Amort_2

Securities (Schedule of Amortized Cost and Fair Value Of Debt Securities by Contractual Maturity) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Securities [Abstract]
Available for Sale, Amortized Cost, Due in one year or less	$ 2,139
Available for Sale, Amortized Cost, Due after one year through five years	11,754
Available for Sale, Amortized Cost, Due after five years through ten years	59,323
Available for Sale, Amortized Cost, Due after ten years	126,932
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis, Total	200,148
Available for Sale, Amortized Cost, Mortgage-backed securities-government sponsored agencies	266,322
Available for Sale, Amortized Cost, Total	466,470
Available for Sale, Fair Value, Due in one year or less	2,160
Available for Sale, Fair Value, Due after one year through five years	11,630
Available for Sale, Fair Value, Due after five years through ten years	54,894
Available for Sale, Fair Value, Due after ten years	116,513
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Total	185,197
Available for Sale, Fair Value, Mortgage-backed securities-government sponsored agencies	249,727
Available for Sale, Fair Value, Total	$ 434,924	$ 406,782

Securities (Gross Realized Gain

Securities (Gross Realized Gains and Losses on Sales of Securities Available-for-Sale) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)
Securities [Abstract]
Gross realized gains	$ 21
Net realized gain	21
Proceeds from sales of securities	$ 1,127

Loans Receivable and Allowanc_3

Loans Receivable and Allowance for Loan Losses (Narrative) (Details)	3 Months Ended		12 Months Ended
	Mar. 31, 2022USD ($)loanproperty	Mar. 31, 2021loan	Dec. 31, 2021USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired with credit deterioration	$ 15,410,000
Real Estate Acquired Through Foreclosure	590,000		$ 1,742,000
Impaired Financing Receivable, Related Allowance			272,000
Loans and Leases Receivable, Gross	1,372,492,000		1,356,040,000
Outstanding Balance	10,239,000		12,862,000
Multiple Properties [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real Estate Acquired Through Foreclosure	$ 120,000
Number Of Properties Disposed By Sale | property	1
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number Of Properties Under Foreclosure Proceedings | property	6
Mortgage Loans in Process of Foreclosure, Amount	$ 454,000
Loans and Leases Receivable, Gross	276,592,000		273,040,000
Residential Real Estate Loans [Member] | Hospitality Lodging Industry [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	$ 116,400,000
Concentration Risk, Percentage	8.50%
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	$ 641,581,000		628,724,000
Commercial Real Estate Loans [Member] | Commercial Rentals [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	$ 138,000,000
Concentration Risk, Percentage	10.10%
Troubled Debt Restructured Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
New Loans Identified as Troubled Debt Restructurings, Number of Loans | loan	0	0
PPP Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding Balance	$ 5,700,000		15,200,000
Loan forgiven	145,800,000
Fee income	5,100,000
Unamortized loan fees	156,000
UpState New York Bancorp, Inc. [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Assets, Fair Value Adjustment	6,937,000
Outstanding Balance	15,410,000
Minimum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Annual Loan Review threshold, amount	1,500,000
COVID [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan and Lease Losses, Period Increase (Decrease)	$ 1,700,000		$ 2,300,000

Loans Receivable and Allowanc_4

Loans Receivable and Allowance for Loan Losses (Composition of the Loan Portfolio) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 1,372,492	$ 1,356,040
Deferred fees, net	(847)	(1,109)
Total loans receivable	1,371,645	1,354,931
Allowance for loan losses	(16,660)	(16,442)	$ (14,509)	$ (13,150)
Net loans receivable	$ 1,354,985	$ 1,338,489
Percent of Loans	100.00%	100.00%
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 276,592	$ 273,040
Allowance for loan losses	$ (2,326)	$ (2,175)	(2,124)	(1,960)
Percent of Loans	20.20%	20.10%
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 641,581	$ 628,724
Allowance for loan losses	$ (10,287)	$ (10,878)	(9,084)	(8,004)
Percent of Loans	46.70%	46.40%
Agricultural Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 64,153	$ 61,925
Percent of Loans	4.70%	4.60%
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 19,407	$ 21,990
Allowance for loan losses	$ (134)	$ (133)	(122)	(150)
Percent of Loans	1.40%	1.60%
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 183,212	$ 186,031
Allowance for loan losses	$ (1,495)	$ (1,490)	(1,405)	(1,360)
Percent of Loans	13.30%	13.70%
Other Agricultural Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 36,729	$ 37,930
Percent of Loans	2.70%	2.80%
Consumer Loans To Individuals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 150,818	$ 146,400
Allowance for loan losses	$ (1,622)	$ (1,766)	$ (1,774)	$ (1,676)
Percent of Loans	11.00%	10.80%

Loans Receivable and Allowanc_5

Loans Receivable and Allowance for Loan Losses (Information Regarding Loans Acquired and Accounted for in Accordance with ASC 310-30) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Loans Receivable and Allowance for Loan Losses [Abstract]
Outstanding Balance	$ 10,239	$ 12,862
Carrying Amount	$ 6,814	$ 8,304

Loans Receivable and Allowanc_6

Loans Receivable and Allowance for Loan Losses (Changes in the Accretable Yield for Purchased Credit Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Loans Receivable and Allowance for Loan Losses [Abstract]
Balance at beginning of period	$ 1,884	$ 1,365
Accretion	(258)	(176)
Reclassification and other	(386)	43
Balance at end of period	$ 1,240	$ 1,232

Loans Receivable and Allowanc_7

Loans Receivable and Allowance for Loan Losses (Components of Purchase Accounting Adjustments Related to Purchased Credit-impaired Loans Acquired) (Details) $ in Thousands	Jul. 07, 2020USD ($)
Loans Receivable and Allowance for Loan Losses [Abstract]
Contractually required principal and interest	$ 15,410
Non-accretable discount	(5,213)
Expected cash flows	10,197
Accretable discount	(1,724)
Estimated fair value	$ 8,473

Loans Receivable and Allowanc_8

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	Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired with deteriorated credit quality	$ 6,814	$ 8,304
Total Loans	1,372,492	1,356,040
Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	1,659	1,674
Loans acquired with deteriorated credit quality	6,814	8,304
Collectively evaluated for impairment	1,364,019	1,346,062
Total Loans	1,372,492	1,356,040
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	276,592	273,040
Residential Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired with deteriorated credit quality	669	784
Collectively evaluated for impairment	275,923	272,256
Total Loans	276,592	273,040
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	641,581	628,724
Commercial Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	1,643	1,658
Loans acquired with deteriorated credit quality	2,744	3,285
Collectively evaluated for impairment	637,194	623,781
Total Loans	641,581	628,724
Agricultural Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	64,153	61,925
Agricultural Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired with deteriorated credit quality	1,925	1,918
Collectively evaluated for impairment	62,228	60,007
Total Loans	64,153	61,925
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	19,407	21,990
Construction Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment	19,407	21,990
Total Loans	19,407	21,990
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	183,212	186,031
Commercial [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	16	16
Loans acquired with deteriorated credit quality		198
Collectively evaluated for impairment	183,196	185,817
Total Loans	183,212	186,031
Other Agricultural Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	36,729	37,930
Other Agricultural Loans [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired with deteriorated credit quality	1,476	2,119
Collectively evaluated for impairment	35,253	35,811
Total Loans	36,729	37,930
Consumer Loans To Individuals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	150,818	146,400
Consumer Loans To Individuals [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment	150,818	146,400
Total Loans	$ 150,818	$ 146,400

Loans Receivable and Allowanc_9

Loans Receivable and Allowance for Loan Losses (Impaired Loans and Related Interest Income by Loan Portfolio Class) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	$ 1,659		$ 157
Impaired Financing Receivable, with Related Allowance, Recorded Investment			1,517
Impaired Financing Receivable, Recorded Investment	1,659		1,674
Unpaid Principal Balance, With no related allowance recorded	1,659		157
Unpaid Principal Balance, With an allowance recorded			1,517
Unpaid Principal Balance, Total	1,659		1,674
Associated Allowance			272
Average Recorded Investment, Total	1,666	$ 2,688
Interest Income Recognized, Total	17	1
Impaired Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment			157
Commercial Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,643		16
Impaired Financing Receivable, Recorded Investment	1,643		16
Unpaid Principal Balance, With no related allowance recorded	1,643		16
Unpaid Principal Balance, Total	1,643		16
Average Recorded Investment, Total	1,650	2,566
Interest Income Recognized, Total	17	1
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	16		141
Impaired Financing Receivable, with Related Allowance, Recorded Investment			1,517
Impaired Financing Receivable, Recorded Investment	16		1,658
Unpaid Principal Balance, With no related allowance recorded	16		141
Unpaid Principal Balance, With an allowance recorded			1,517
Unpaid Principal Balance, Total	16		1,658
Associated Allowance			$ 272
Average Recorded Investment, Total	$ 16	$ 122

Loans Receivable and Allowan_10

Loans Receivable and Allowance for Loan Losses (Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	$ 925,675	$ 914,610
Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	916,248	900,036
Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	1,495	5,555
Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	7,932	8,747
Doubtful Or Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		272
Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	446,817	441,430
Summarized by Performance of Individual Credits [Member] | Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	446,226	440,906
Summarized by Performance of Individual Credits [Member] | Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	591	524
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	641,581	628,724
Commercial Real Estate Loans [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	635,807	618,541
Commercial Real Estate Loans [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	1,093	5,146
Commercial Real Estate Loans [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	4,681	4,765
Commercial Real Estate Loans [Member] | Doubtful Or Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		272
Agricultural Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	64,153	61,925
Agricultural Real Estate Loans [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	62,413	60,193
Agricultural Real Estate Loans [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	1,740	1,732
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	183,212	186,031
Commercial [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	182,927	185,729
Commercial [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	195	199
Commercial [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	90	103
Other Agricultural Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	36,729	37,930
Other Agricultural Loans [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	35,101	35,573
Other Agricultural Loans [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	207	210
Other Agricultural Loans [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	1,421	2,147
Residential Real Estate Loans [Member] | Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	276,592	273,040
Residential Real Estate Loans [Member] | Summarized by Performance of Individual Credits [Member] | Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	276,132	272,571
Residential Real Estate Loans [Member] | Summarized by Performance of Individual Credits [Member] | Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	460	469
Construction Real Estate Loans [Member] | Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	19,407	21,990
Construction Real Estate Loans [Member] | Summarized by Performance of Individual Credits [Member] | Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	19,407	21,990
Consumer Loans To Individuals [Member] | Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	150,818	146,400
Consumer Loans To Individuals [Member] | Summarized by Performance of Individual Credits [Member] | Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	150,687	146,345
Consumer Loans To Individuals [Member] | Summarized by Performance of Individual Credits [Member] | Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	$ 131	$ 55

Loans Receivable and Allowan_11

Loans Receivable and Allowance for Loan Losses (Loan Portfolio Summarized by the Past Due Status) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Past Due and still accruing		$ 91
Non-Accrual	$ 708	643
Total Past Due and Non-Accrual	1,724	1,208
Total Loans	1,372,492	1,356,040
Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	6,814	8,304
Total Loans	1,372,492	1,356,040
Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	1,363,954	1,346,528
Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	767	431
Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	249	134
Residential Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	460	469
Total Past Due and Non-Accrual	842	634
Total Loans	276,592	273,040
Residential Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	669	784
Total Loans	276,592	273,040
Residential Real Estate Loans [Member] | Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	275,081	271,622
Residential Real Estate Loans [Member] | Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	242	155
Residential Real Estate Loans [Member] | Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	140	10
Commercial Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	101	103
Total Past Due and Non-Accrual	335	103
Total Loans	641,581	628,724
Commercial Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	2,744	3,285
Total Loans	641,581	628,724
Commercial Real Estate Loans [Member] | Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	638,502	625,336
Commercial Real Estate Loans [Member] | Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	194
Commercial Real Estate Loans [Member] | Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	40
Agricultural Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due and Non-Accrual		25
Total Loans	64,153	61,925
Agricultural Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	1,925	1,918
Total Loans	64,153	61,925
Agricultural Real Estate Loans [Member] | Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	62,228	59,982
Agricultural Real Estate Loans [Member] | Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due		25
Construction Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	19,407	21,990
Construction Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	19,407	21,990
Construction Real Estate Loans [Member] | Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	19,407	21,990
Commercial [Member]
Financing Receivable, Past Due [Line Items]
Past Due and still accruing		91
Non-Accrual	16	16
Total Past Due and Non-Accrual	90	32
Total Loans	183,212	186,031
Commercial [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual		198
Total Loans	183,212	186,031
Commercial [Member] | Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	183,122	185,801
Commercial [Member] | Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	74	3
Commercial [Member] | Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due		13
Other Agricultural Loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due and Non-Accrual	90
Total Loans	36,729	37,930
Other Agricultural Loans [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	1,476	2,119
Total Loans	36,729	37,930
Other Agricultural Loans [Member] | Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	35,163	35,811
Other Agricultural Loans [Member] | Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	90
Consumer Loans To Individuals [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	131	55
Total Past Due and Non-Accrual	367	414
Total Loans	150,818	146,400
Consumer Loans To Individuals [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	150,818	146,400
Consumer Loans To Individuals [Member] | Financial Asset, Not Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	150,451	145,986
Consumer Loans To Individuals [Member] | Financing Receivables, 31 to 60 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	167	248
Consumer Loans To Individuals [Member] | Financing Receivables, 61 to 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Past Due	$ 69	$ 111

Loans Receivable and Allowan_12

Loans Receivable and Allowance for Loan Losses (Allowance for Loan Losses and Recorded Investment in Financing Receivables) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	$ 16,442	$ 13,150
Charge Offs	(182)	(168)
Recoveries	100	27
Provision for loan losses	300	1,500
Ending balance,	16,660	14,509
Ending balance individually evaluated for impairment	1,659	38
Ending balance collectively evaluated for impairment	15,001	14,471
Residential Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	2,175	1,960
Charge Offs	(115)	(5)
Recoveries	2	2
Provision for loan losses	264	167
Ending balance,	2,326	2,124
Ending balance collectively evaluated for impairment	2,326	2,124
Commercial Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	10,878	8,004
Recoveries	74	4
Provision for loan losses	(665)	1,076
Ending balance,	10,287	9,084
Ending balance individually evaluated for impairment	1,643
Ending balance collectively evaluated for impairment	8,644	9,084
Farmland [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision for loan losses	504
Ending balance,	504
Ending balance collectively evaluated for impairment	504
Construction Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	133	150
Provision for loan losses	1	(28)
Ending balance,	134	122
Ending balance collectively evaluated for impairment	134	122
Commercial [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	1,490	1,360
Charge Offs	(15)	(60)
Recoveries	9	8
Provision for loan losses	11	97
Ending balance,	1,495	1,405
Ending balance individually evaluated for impairment	16	38
Ending balance collectively evaluated for impairment	1,479	1,367
Other Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision for loan losses	292
Ending balance,	292
Ending balance collectively evaluated for impairment	292
Consumer Loans To Individuals [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	1,766	1,676
Charge Offs	(52)	(103)
Recoveries	15	13
Provision for loan losses	(107)	188
Ending balance,	1,622	1,774
Ending balance collectively evaluated for impairment	$ 1,622	$ 1,774

Operating Leases (Narrative) (D

Operating Leases (Narrative) (Details)	3 Months Ended
	Mar. 31, 2022USD ($)item	Mar. 31, 2021USD ($)
Operating Leases [Abstract]
Number of operating leases | item	8
Lease, Cost | $	$ 148,000	$ 147,000

Operating Leases (Lease Cost) (

Operating Leases (Lease Cost) (Details)	Mar. 31, 2022
Operating Leases [Abstract]
Weighted-average remaining term	11 years 3 months 18 days
Weighted-average discount rate	2.89%

Operating Leases (Undiscounted

Operating Leases (Undiscounted Cash Flows Due) (Details) $ in Thousands	Mar. 31, 2022USD ($)
Operating Leases [Abstract]
2022	$ 405
2023	535
2024	544
2025	561
2026	504
2027 and thereafter	2,815
Total undiscounted cash flows	5,364
Discount on cash flows	(891)
Total lease liabilities	$ 4,473

Fair Value of Assets and Liab_3

Fair Value of Assets and Liabilities (Narrative) (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022USD ($)item	Dec. 31, 2021USD ($)loan
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Financing Receivable, Recorded Investment	$ 1,659	$ 1,674
Impaired Financing Receivable, Related Allowance		272
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,659	157
Impaired Financing Receivable, with Related Allowance, Recorded Investment		$ 1,517
Number of impaired loans, with related allowance | loan		3
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 1,659	$ 1,402
Number of impaired loans not requiring a valuation allowance | item	4
Impaired Financing Receivable, with No Related Allowance, Recorded Investment		157
Impaired Loans, Cumulative Charge-Offs		$ 0
Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Number of loans with related allowance | loan		1
Impaired Financing Receivable, with Related Allowance, Recorded Investment		$ 1,517
Valuation allowance		272
Impaired Loans, Cumulative Charge-Offs		$ 0

Fair Value of Assets and Liab_4

Fair Value of Assets and Liabilities (Fair Value, Assets Measured on Recurring Basis) (Details) - Fair Value, Recurring [Member] - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
U.S. Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	$ 20,218	$ 19,351
U.S. Treasury Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	20,218	19,351
U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	14,981	16,011
U.S. Government Agencies [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	14,981	16,011
States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	149,998	145,867
States And Political Subdivisions [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	149,998	145,867
Mortgage-backed Securities-Government Sponsored Entities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	249,727	225,553
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]
ASSETS	249,727	225,553
Interest Rate Derivatives [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	831	235
LIABILITIES	831	235
Interest Rate Derivatives [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	831	235
LIABILITIES	$ 831	$ 235

Fair Value of Assets and Liab_5

Fair Value of Assets and Liabilities (Fair Value, Assets and Liabilities Measured on Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 1,659	$ 1,402
Fair Value, Nonrecurring [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	1,659	1,402
Fair Value, Nonrecurring [Member] | Impaired Loans [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	1,659	1,402
Fair Value, Nonrecurring [Member] | Foreclosed Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	590	1,742
Fair Value, Nonrecurring [Member] | 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	$ 590	$ 1,742

Fair Value of Assets and Liab_6

Fair Value of Assets and Liabilities (Additional Qualitative Information about Level 3 Assets) (Details) $ in Thousands	Mar. 31, 2022USD ($)item	Dec. 31, 2021USD ($)item
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure | $	$ 1,659	$ 1,402
Impaired Loans [Member] | Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure | $	$ 1,659	$ 1,402
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	0.100	0
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	(0.1000)	0.100
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		0.0112
Foreclosed 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 | $	$ 590	$ 1,742
Foreclosed Real Estate Owned [Member] | Appraisal of collateral [Member] | Measurement Input, Liquidation Espenses [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other Real Estate Owned, Measurement Input	0.0700	0.0700
Foreclosed Real Estate Owned [Member] | Weighted Average [Member] | Appraisal of collateral [Member] | Measurement Input, Liquidation Espenses [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other Real Estate Owned, Measurement Input	0.0700	0.0700

Fair Value of Assets and Liab_7

Fair Value of Assets and Liabilities (Fair Value, by Balance Sheet Grouping) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and cash equivalents, Fair Value Disclosure	$ 166,026	$ 206,681
Financial assets: Loans receivable, net, Fair Value Disclosure	1,383,948	1,389,870
Financial assets: Mortgage servicing rights, Fair Value Disclosure	500	500
Financial assets: Regulatory stock, Fair Value Disclosure	3,423	3,927
Financial assets: Bank owned life insurance, Fair Value Disclosure	40,215	40,038
Financial assets: Accrued interest receivable, Fair Value Disclosure	5,876	5,889
Financial liabilities: Deposits, Fair Value Disclosure	1,784,253	1,759,722
Financial liabilities: Short-term borrowings, Fair Value Disclosure	63,622	60,822
Financial liabilities: Other borrowings, Fair Value Disclosure	26,589	30,221
Financial liabilities: Accrued interest payable, Fair Value Disclosure	1,160	1,203
Financial assets: Cash and cash equivalents	166,026	206,681	$ 210,499	$ 111,693
Financial assets: Loans receivable, net	1,354,985	1,338,489
Financial assets: Mortgage servicing rights	267	289
Financial assets: Regulatory stock	3,423	3,927
Financial assets: Bank owned life insurance	40,215	40,038
Financial assets: Accrued interest receivable	5,876	5,889
Financial liabilities: Deposits	1,781,777	1,756,793
Financial liabilities: Short-term borrowings	63,622	60,822
Financial liabilities: Other borrowings	26,844	29,998
Financial liabilities: Accrued interest payable	1,160	1,203
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	166,026	206,681
Financial assets: Regulatory stock, Fair Value Disclosure	3,423	3,927
Financial assets: Bank owned life insurance, Fair Value Disclosure	40,215	40,038
Financial assets: Accrued interest receivable, Fair Value Disclosure	5,876	5,889
Financial liabilities: Deposits, Fair Value Disclosure	1,295,792	1,228,091
Financial liabilities: Short-term borrowings, Fair Value Disclosure	63,622	60,822
Financial liabilities: Accrued interest payable, Fair Value Disclosure	1,160	1,203
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Loans receivable, net, Fair Value Disclosure	1,383,948	1,389,870
Financial assets: Mortgage servicing rights, Fair Value Disclosure	500	500
Financial liabilities: Deposits, Fair Value Disclosure	488,461	531,631
Financial liabilities: Other borrowings, Fair Value Disclosure	$ 26,589	$ 30,221

Interest Rate Swaps (Narrative)

Interest Rate Swaps (Narrative) (Details) - Interest Rate Contract [Member] - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Pledged cash as collateral	$ 350
Derivative Asset	$ 831	$ 235

Interest Rate Swaps (Summary of

Interest Rate Swaps (Summary of Derivatives) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Customer Interest Rate Swap [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	$ 11,273	$ 11,426
Fair Value	831	235
Customer Interest Rate Swap [Member] | London Interbank Offered Rate (LIBOR) Swap Rate [Member] | Maturing November, 2030 [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	6,784	6,873
Fair Value	504	144
Customer Interest Rate Swap [Member] | London Interbank Offered Rate (LIBOR) Swap Rate [Member] | Maturing December, 2030 [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	4,489	4,553
Fair Value	327	91
Third Party Interest Rate Swap [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	11,273	11,426
Fair Value	831	235
Third Party Interest Rate Swap [Member] | London Interbank Offered Rate (LIBOR) Swap Rate [Member] | Maturing November, 2030 [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	6,784	6,873
Fair Value	504	144
Third Party Interest Rate Swap [Member] | London Interbank Offered Rate (LIBOR) Swap Rate [Member] | Maturing December, 2030 [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	4,489	4,553
Fair Value	$ 327	$ 91

Interest Rate Swaps (Fair Value

Interest Rate Swaps (Fair Value of Derivative Instruments) (Details) - Interest Rate Contract [Member] - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Assets	$ 831	$ 235
Other Assets [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Assets	831	235
Other Liabilities [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Liabilities	$ 831	$ 235