Norwood Financial (NWFL) 10-K 17 Mar 23 2022 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Mar. 01, 2023	Jun. 30, 2022
Document And Entity Information [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 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, $.10 par value
Trading Symbol	NWFL
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
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		8,181,001
Entity Public Float			$ 180.5
Documents Incorporated by Reference [Text Block]	Portions of the definitive Proxy Statement for the 2023 Annual Meeting of Stockholders. (Part III)
Entity Central Index Key	0001013272
Amendment Flag	false
Document Fiscal Period Focus	FY
Auditor Firm ID	74
Auditor Location	King of Prussia, Pennsylvania
Auditor Name	S.R. Snodgrass, P.C

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 28,847	$ 21,073
Interest-bearing deposits with banks	3,019	185,608
Cash and cash equivalents	31,866	206,681
Securities available for sale	418,927	406,782
Loans receivable (net of allowance for loan losses 2022: $16,999; 2021: $16,442)	1,456,946	1,338,489
Regulatory stock, at cost	5,418	3,927
Premises and equipment, net	17,924	17,289
Bank owned life insurance	43,364	40,038
Accrued interest receivable	6,917	5,889
Foreclosed real estate owned	346	1,742
Deferred tax assets, net	23,549	8,791
Goodwill	29,266	29,266
Other intangibles	306	407
Other assets	12,241	9,203
Total Assets	2,047,070	2,068,504
Deposits:
Non-interest bearing demand	434,529	440,652
Interest-bearing demand	237,891	196,786
Money market deposit accounts	273,165	309,439
Savings	278,372	281,214
Time	503,770	528,702
Total Deposits	1,727,727	1,756,793
Short-term borrowings	93,215	60,822
Other borrowings	40,000	29,998
Accrued interest payable	2,653	1,203
Other liabilities	16,390	14,426
Total Liabilities	1,879,985	1,863,242
STOCKHOLDERS' EQUITY
Common stock, $0.10 par value per share, authorized: 20,000,000 shares, issued: 2022: 8,291,401 shares, 2021: 8,266,751 shares	829	827
Surplus	96,897	96,443
Retained earnings	130,020	110,015
Treasury stock at cost: 2022: 124,650 shares; 2021: 65,328 shares	(3,308)	(1,767)
Accumulated other comprehensive loss	(57,353)	(256)
Total Stockholders' Equity	167,085	205,262
Total Liabilities and Stockholders' Equity	$ 2,047,070	$ 2,068,504

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Consolidated Balance Sheets [Abstract]
Preferred Stock, No Par Value
Net of Allowance for Loan losses	$ 16,999	$ 16,442
Preferred Stock, Shares Authorized	5,000,000	5,000,000
Preferred Stock, Shares Issued	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	8,291,401	8,266,751
Treasury Stock, Shares	124,650	65,328

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
INTEREST INCOME
Loans receivable, including fees	$ 66,013	$ 65,257
Securities: Taxable	7,262	4,055
Securities: Tax exempt	1,789	1,492
Interest-bearing deposits with banks	602	266
Total Interest Income	75,666	71,070
INTEREST EXPENSE
Deposits	6,471	4,757
Short-term borrowings	524	284
Other borrowings	274	716
Total Interest Expense	7,269	5,757
Net Interest Income	68,397	65,313
PROVISION FOR LOAN LOSSES	900	4,200
Net Interest Income After Provision for Loan Losses	67,497	61,113
OTHER INCOME
OTHER INCOME	8,761	7,021
Net realized gains on sales of securities	3	92
Net gain on sale of loans	3	177
Net gain on sale of foreclosed real estate owned	427	36
Earnings and proceeds on life insurance policies	1,087	941
Other	1,906	674
Total Other Income	9,932	8,361
OTHER EXPENSES
Salaries and employee benefits	22,071	20,608
Occupancy	3,701	3,533
Furniture and equipment	1,266	1,289
Data processing and related operations	2,948	2,415
Federal Deposit Insurance Corporation insurance assessment	612	681
Advertising	516	473
Professional fees	1,719	1,582
Postage and telephone	959	993
Taxes, other than income	1,013	1,122
Foreclosed real estate	73	151
Amortization of intangible assets	101	123
Other	6,065	5,644
Total Other Expenses	41,044	38,614
Income before Income Taxes	36,385	30,860
INCOME TAX EXPENSE	7,152	5,945
Net income	$ 29,233	$ 24,915
EARNINGS PER SHARE BASIC	$ 3.59	$ 3.05
EARNINGS PER SHARE DILUTED	$ 3.58	$ 3.04
Service Charges And Fees [Member]
OTHER INCOME
OTHER INCOME	$ 5,661	$ 5,693
Income From Fiduciary Activities [Member]
OTHER INCOME
OTHER INCOME	$ 845	$ 748

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Consolidated Statements of Comprehensive Income [Abstract]
Net Income	$ 29,233	$ 24,915
Other comprehensive (loss) income
Unrealized (loss) gain on pension liability	(784)	220
Tax Effect	165	(46)
Investment securities available for sale:
Unrealized holding loss	(71,488)	(6,931)
Tax Effect	15,012	1,455
Reclassification of gains from sale of securities	(3)	(92)
Tax Effect	1	19
Other comprehensive loss	(57,097)	(5,375)
COMPREHENSIVE (LOSS) INCOME	$ (27,864)	$ 19,540

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders’ Equity - USD ($)	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Beginning balance at Dec. 31, 2020	$ 824,000	$ 95,388,000	$ 93,796,000	$ (342,000)	$ 5,119,000	$ 194,785,000
Beginning balance, shares at Dec. 31, 2020	8,236,331			10,263
Net Income			24,915,000			24,915,000
Other comprehensive loss					(5,375,000)	(5,375,000)
Cash dividends declared			(8,696,000)			(8,696,000)
Acquisition of treasury stock, shares				56,162
Acquisition of treasury stock				$ (1,440,000)		(1,440,000)
Stock options exercised	$ 2,000	392,000				$ 394,000
Stock options exercised, shares	22,420					22,420
Sale of treasury stock for ESOP		(5,000)		$ 135,000		$ 130,000
Sale of treasury stock for ESOP, shares				(4,997)
Compensation expense related to stock options		214,000				214,000
Restricted stock awards	$ 1,000	454,000		$ 3,900		335,000
Restricted stock awards, shares	8,000			(120,000)
Ending balance, shares at Dec. 31, 2021	8,266,751			65,328
Ending balance at Dec. 31, 2021	$ 827,000	96,443,000	110,015,000	$ (1,767,000)	(256,000)	205,262,000
Net Income			29,233,000			29,233,000
Other comprehensive loss					(57,097,000)	(57,097,000)
Cash dividends declared			(9,228,000)			(9,228,000)
Acquisition of treasury stock, shares				96,062
Acquisition of treasury stock				$ (2,515,000)		(2,515,000)
Stock options exercised		(212,000)		$ 869,000		$ 657,000
Stock options exercised, shares	1,650			(32,775)		34,425
Sale of treasury stock for ESOP		27,000		$ 105,000		$ 132,000
Sale of treasury stock for ESOP, shares				(3,965)
Compensation expense related to stock options		269,000				269,000
Restricted stock awards	$ 2,000	370,000				372,000
Restricted stock awards, shares	23,000
Ending balance, shares at Dec. 31, 2022	8,291,401			124,650
Ending balance at Dec. 31, 2022	$ 829,000	$ 96,897,000	$ 130,020,000	$ (3,308,000)	$ (57,353,000)	$ 167,085,000

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders’ Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Consolidated Statements of Changes in Stockholders’ Equity [Abstract]
Cash dividends declared	$ 1.13	$ 1.06

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 29,233	$ 24,915
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	900	4,200
Depreciation	1,470	1,481
Amortization of intangible assets	101	123
Deferred income taxes	419	(383)
Net amortization of securities premiums and discounts	1,303	1,529
Net realized gain on sales of securities	(3)	(92)
Earnings and proceeds on life insurance policies	(1,087)	(941)
Gain (loss) on sales of fixed assets and foreclosed real estate owned	(379)	108
Net amortization of loan fees	(217)	(3,497)
Net gain on sale of loans	(3)	(177)
Loans originated for sale	(845)	(8,616)
Proceeds from sale of loans originated for sale	848	8,793
Compensation expense related to stock options	269	214
Compensation expense related to restricted stock	372	335
(Increase) decrease in accrued interest receivable	(1,028)	343
Increase (decrease) in accrued interest payable	1,450	(398)
Other, net	(2,069)	1,261
Net cash provided by operating activities	30,734	29,198
Securities available for sale:
Proceeds from sales	5,113	11,366
Proceeds from maturities and principal reductions on mortgage-backed securities	40,780	68,218
Purchases	(130,828)	(268,242)
Purchase of regulatory stock	(6,366)	(4,201)
Redemption of regulatory stock	4,875	4,255
Net (increase) decrease in loans	(118,999)	57,938
Proceeds from bank-owned life insurance policies	761	511
Purchase of bank-owned life insurance	(3,000)
Purchase of premises and equipment	(2,153)	(1,258)
Proceeds from sales of foreclosed real estate owned	1,823	291
Proceeds from sales of bank premises and fixed assets		158
Net cash used in investing activities	(207,994)	(130,964)
CASH FLOWS FROM FINANCING ACTIVITIES
Net (decrease) increase in deposits	(29,066)	221,151
Net increase (decrease) in short-term borrowings	32,393	(2,481)
Repayments of other borrowings	(29,998)	(12,461)
Proceeds from other borrowings	40,000
Stock options exercised	657	394
Sale of treasury stock for ESOP	132	130
Acquisition of treasury stock	(2,515)	(1,440)
Cash dividends paid	(9,158)	(8,539)
Net Cash Provided by Financing Activities	2,445	196,754
Net (Decrease) increase in cash and cash equivalents	(174,815)	94,988
CASH AND CASH EQUIVALENTS - BEGINNING	206,681	111,693
CASH AND CASH EQUIVALENTS - END	31,866	206,681
Cash payments for:
Interest paid	5,819	6,155
Income taxes paid, net of refunds	6,891	5,330
Supplemental Schedule of Noncash Investing Activities:
Transfers of loans to foreclosed real estate owned and repossession of other assets	776	1,740
Dividends payable	$ 2,366	$ 2,296

Nature of Operations

Nature of Operations	12 Months Ended
	Dec. 31, 2022
Nature of Operations [Abstract]
Nature of Operations	NOTES TO CONSOLIDATED FINANCIAL STATEMENTS NOTE 1 - NATURE OF OPERATIONS Norwood Financial Corp (Company) is a one bank holding company. Wayne Bank (Bank) is a wholly-owned subsidiary of the Company. The Bank is a state-chartered bank headquartered in Honesdale, Pennsylvania. The Company derives substantially all of its income from bank-related services which include interest earnings on commercial mortgages, residential real estate mortgages, commercial and consumer loans, as well as interest earnings on investment securities and fees from deposit services to its customers. The Company is subject to regulation and supervision by the Federal Reserve Board while the Bank is subject to regulation and supervision by the Federal Deposit Insurance Corporation and the Pennsylvania Department of Banking and Securities.

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	NOTE 2 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank, and the Bank’s wholly-owned subsidiaries, WCB Realty Corp., Norwood Investment Corp. and WTRO Properties. All significant intercompany accounts and transactions have been eliminated in consolidation. Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclosure of contingent assets and liabilities, at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of deferred tax assets, the determination of other-than-temporary impairment on securities, the determination of goodwill impairment and the fair value of financial instruments. Significant Group Concentrations of Credit Risk Most of the Company’s activities are with customers located within its markets in Northeastern Pennsylvania and the New York Counties of Delaware, Sullivan, Ontario, Otsego and Yates. Note 3 discusses the types of securities that the Company invests in. Note 4 discusses the types of lending that the Company engages in. The Company does not have any significant concentrations to any one industry or customer. Concentrations of Credit Risk The Bank operates primarily in Wayne, Pike, Lackawanna, Luzerne and Monroe Counties, Pennsylvania and Delaware, Sullivan, Ontario, Otsego and Yates Counties, New York. Accordingly, the Bank has extended credit primarily to commercial entities and individuals in these areas whose ability to honor their contracts is influenced by the region’s economy. These customers are also the primary depositors of the Bank. The Bank is limited in extending credit by legal lending limits to any single borrower or group of related borrowers. Securities Securities classified as available for sale are those securities that the Company intends to hold for an indefinite period of time but not necessarily to maturity. Any decision to sell a security classified as available for sale would be based on various factors, including significant movement in interest rates, changes in maturity mix of the Company’s assets and liabilities, liquidity needs, regulatory capital considerations and other similar factors. Securities available for sale are carried at fair value. Unrealized gains and losses are reported in other comprehensive income, net of the related deferred tax effect. Realized gains or losses, determined on the basis of the cost of the specific securities sold, are included in earnings. Premiums and discounts are recognized in interest income using a method which approximates the interest method over the term of the security. Bonds, notes and debentures for which the Company has the positive intent and ability to hold to maturity are reported at cost, adjusted for premiums and discounts that are recognized in interest income using the interest method over the term of the security. Management determines the appropriate classification of debt securities at the time of purchase and re-evaluates such designation as of each Consolidated Balance Sheet date. Declines in the fair value of available for sale securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent of the Company to not sell the securities and it is more likely than not that it will not have to sell the securities before recovery of their cost basis. Regulatory Stock The Company, as a member of the Federal Home Loan Bank (FHLB) system is required to maintain an investment in capital stock of its district FHLB according to a predetermined formula. This regulatory stock has no quoted market value and is carried at cost. Management evaluates the regulatory stock for impairment. Management’s determination of whether these investments are impaired is based on their assessment of the ultimate recoverability of their cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of their cost is influenced by criteria such as (1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount for the FHLB and the length of time this situation has persisted, (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB, and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the FHLB. Management considers the FHLB’s regulatory capital ratios, liquidity, and the fact that new shares of FHLB stock continue to change hands at the $ 100 par value. Management believes no impairment charge is necessary related to FHLB stock as of December 31, 2022. Loans Receivable Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees. Interest income is accrued on the unpaid principal balance. Loan origination fees are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan. The accrual of interest is generally discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in prior years is charged against the allowance for loan losses. Interest received on nonaccrual loans generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Troubled Debt Restructurings A loan is considered to be a troubled debt restructuring (TDR) loan when the Company grants a concession to the borrower because of the borrower’s financial condition that it would not otherwise consider. Such concessions include the reduction of interest rates, forgiveness of principal or interest, or other modifications of interest rates that are less than the current market rate for new obligations with similar risk. Loans Acquired Loans acquired including loans that have evidence of deterioration of credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments receivable, are initially recorded at fair value (as determined by the present value of expected future cash flows) with no valuation allowance. Loans are evaluated individually to determine if there is evidence of deterioration of credit quality since origination. The difference between the undiscounted cash flows expected at acquisition and the investment in the loan, or the “accretable yield,” is recognized as interest income on a level-yield method over the life of the loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” are not recognized as a yield adjustment or as a loss accrual or a valuation allowance. Increases in expected cash flows subsequent to the initial investment are recognized prospectively through adjustment of the yield on the loan over its remaining estimated life. Decreases in expected cash flows are recognized immediately as impairment. Any valuation allowances on these impaired loans reflect only losses incurred after the acquisition. For purchased loans acquired that are not deemed impaired at acquisition, credit discounts representing the principal losses expected over the life of the loan are a component of the initial fair value. Loans may be aggregated and accounted for as a pool of loans if the loans being aggregated have common risk characteristics. Subsequent to the purchase date, the methods utilized to estimate the required allowance for credit losses for these loans is similar to originated loans; however, the Company records a provision for loan losses only when the required allowance exceeds any remaining credit discounts. The remaining differences between the purchase price and the unpaid principal balance at the date of acquisition are recorded in interest income over the life of the loans. Mortgage Servicing Rights Servicing assets are recognized as separate assets when rights are acquired through purchase or through the sale of financial assets. Capitalized servicing rights are reported in other assets and are amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon a third party appraisal. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Impairment is recognized through a valuation allowance to the extent that fair value is less than the capitalized amount. The Company’s loan servicing assets at December 31, 2022 and 2021, respectively, were no t impaired. Total servicing assets included in other assets as of December 31, 2022 and 2021, were $ 213,000 and $ 289,000 , respectively. Allowance for Loan Losses The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management’s periodic evaluation of the adequacy of the allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. The allowance consists of specific and general components. The specific component relates to loans that are classified as substandard. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential real estate loans for impairment disclosures, unless such loans were acquired with impairment or are the subject of a restructuring agreement. Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation expense is calculated principally on the straight-line method over the respective assets estimated useful lives as follows: Years Buildings and improvements 10 - 40 Furniture and equipment 3 - 10 Leases The Company applies a right-of-use (ROU) model that requires a lessee to record, for all leases with a lease term of more than 12 months, an asset representing its right to use the underlying asset and a liability to make lease payments. For leases with a term of 12 months or less, a practical expedient is available whereby a lessee may elect, by class of underlying asset, not to recognize an ROU asset or lease liability. At inception, lessees must classify all leases as either finance or operating based on five criteria. Balance sheet recognition of finance and operating leases is similar, but the pattern of expense recognition in the income statement, as well as the effect on the statement of cash flows, differs depending on the lease classification. See Note 8 for related disclosures. Transfers of Financial Assets Transfers of financial assets, including loan and loan participation sales, are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets. Foreclosed Real Estate Real estate properties acquired through, or in lieu of, loan foreclosure are to be sold and are initially recorded at fair value less cost to sell at the date of foreclosure establishing a new cost basis. After foreclosure, valuations are periodically performed by management and the real estate is carried at the lower of its carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other expenses. Bank Owned Life Insurance The Company invests in bank owned life insurance (BOLI) as a source of funding for employee benefit expenses. BOLI involves the purchasing of life insurance by the Bank on a select group of employees. The Company is the owner and beneficiary of the policies. This life insurance investment is carried at the cash surrender value of the underlying policies. Income from the increase in cash surrender value of the policies or from death benefits realized is included in other income on the Consolidated Statements of Income. Goodwill In connection with three acquisitions the Company recorded goodwill in the amount of $ 29.3 million, representing the excess of amounts paid over the fair value of net assets of the institutions acquired. Goodwill is tested and deemed impaired when the carrying value of goodwill exceeds its implied fair value. The value of the goodwill can change in the future. We expect the value of the goodwill to decrease if there is a significant decrease in the franchise value of the Bank. If an impairment loss is determined in the future, we will reflect the loss as an expense for the period in which the impairment is determined, leading to a reduction of our net income for that period by the amount of the impairment loss. No impairment was recognized for the years ended December 31, 2022 and 2021. Other Intangible Assets At December 31, 2022, the Company had other intangible assets of $ 306,000 , which is net of accumulated amortization of $ 1,448,000 . These intangible assets will continue to be amortized using the sum-of-the-years digits method of amortization over ten years . At December 31, 2021, the Company had other intangible assets of $ 407,000 , which was net of accumulated amortization of $ 1,347,000 . Amortization expense related to other intangible assets was $ 101,000 and $ 123,000 for the years ended December 31, 2022 and 2021, respectively. As of December 31, 2022, the estimated future amortization expense for the core deposit intangible is as follows (in thousands): 2023 $ 85 2024 69 2025 54 2026 38 2027 26 Thereafter 34 $ 306 Income Taxes Deferred income tax assets and liabilities are determined based on the differences between financial statement carrying amounts and the tax basis of existing assets and liabilities. These differences are measured at the enacted tax rates that will be in effect when these differences reverse. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of the deferred tax assets will not be realized. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. The Company and its subsidiary file a consolidated federal income tax return. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company analyzes each tax position taken in its tax returns and determines the likelihood that the position will be realized. Only tax positions that are “more-likely-than-not” to be realized can be recognized in an entity’s financial statements. For tax positions that do not meet this recognition threshold, an entity will record an unrecognized tax benefit for the difference between the position taken on the tax return and the amount recognized in the financial statements. The Company does no t have any unrecognized tax benefits at December 31, 2022 or 2021, or during the years then ended. No unrecognized tax benefits are expected to arise within the next twelve months. Advertising Costs Advertising costs are expensed as incurred. Earnings per Share Basic earnings per share represents income available to common stockholders divided by the weighted average number of common shares outstanding during the period less any unvested restricted shares. Diluted earnings per share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method. Treasury shares are not deemed outstanding for earnings per share calculations. Employee Benefit Plans The Company has a defined contributory profit-sharing plan which includes provisions of a 401(k) plan. The Company’s contributions are expensed as the cost is incurred. The Company has several supplemental executive retirement plans. To fund the benefits under these plans, the Company is the owner of single premium life insurance policies on the participants. The Company provides pension benefits to eligible employees. The Company’s funding policy is to contribute at least the minimum required contributions annually. Interest Rate Derivatives The Company is exposed to certain risk arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity, and credit risk primarily by managing the amount, sources, and duration of its assets and liabilities and the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company’s derivative financial instruments are used to manage differences in the amount, timing, and duration of the Company’s known or expected cash receipts and its known or expected cash payments. Stock Option Plans The Company recognizes the value of share-based payment transactions as compensation costs in the financial statements over the period that an employee provides service in exchange for the award. The fair value of the share-based payments for stock options is estimated using the Black-Scholes option-pricing model. The Company used the modified-prospective transition method to record compensation expense. Under the modified-prospective method, companies are required to record compensation cost for new and modified awards over the related vesting period of such awards and record compensation cost prospectively for the unvested portion, at the date of adoption, of previously issued and outstanding awards over the remaining vesting period of such awards. No change to prior periods presented is permitted under the modified-prospective method. Restricted Stock The Company recognizes compensation cost related to restricted stock based on the market price of the stock at the grant date over the vesting period. The product of the number of shares granted and the grant date market price of the Company’s common stock determines the fair value of restricted stock under the Company’s 2014 Equity Incentive Plan. The Company recognizes compensation expense for the fair value of the restricted stock on a straight-line basis over the requisite service period for the entire award. Cash Flow Information For the purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing deposits with banks and federal funds sold. Off-Balance Sheet Financial Instruments In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit, letters of credit and commitments to sell loans. Such financial instruments are recorded on the balance sheets when they become receivable or payable. Trust Assets Assets held by the Company in a fiduciary capacity for customers are not included in the financial statements since such items are not assets of the Company. Trust income is reported on the accrual method. Treasury Stock Common shares repurchased are recorded as treasury stock at cost. Comprehensive Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and defined benefit pension obligations, are reported as a separate component of the equity section of the balance sheet. Such items, along with net income, are components of comprehensive income as presented in the Consolidated Statement of Comprehensive Income. Revenue Recognition Under ASC Topic 606, management determined that the primary sources of revenue emanating from interest and dividend income on loans and investments along with noninterest revenue resulting from investment securities gains, loans servicing, gains on loans sold and earnings on bank-owned life insurance are not within the scope of this Topic. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the year ended December 31: (dollars in thousands) 2022 2021 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 419 $ 398 ATM Fees 452 443 Overdraft Fees 1,155 1,029 Safe deposit box rental 93 100 Loan related service fees 849 1,238 Debit card 2,496 2,228 Fiduciary activities 845 748 Commissions on mutual funds & annuities 119 127 Gain on sales of other real estate owned 427 36 Other income 1,906 674 Noninterest Income (in-scope of Topic 606) 8,761 7,021 Out-of-scope of Topic 606: Net realized gains on sales of securities 3 92 Loan servicing fees 78 130 Gain on sales of loans 3 177 Earnings on and proceeds from bank-owned life insurance 1,087 941 Noninterest Income (out-of-scope of Topic 606) 1,171 1,340 Total Noninterest Income $ 9,932 $ 8,361 Segment Reporting The Company acts as an independent community financial services provider and offers traditional banking related financial services to individual, business and government customers. Through its Community Office and automated teller machine network, the Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of safe deposit services. The Company also performs personal, corporate, pension and fiduciary services through its Trust Department. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial, retail, mortgage banking and trust operations of the Company. As such, discrete information is not available and segment reporting would not be meaningful. Reclassification of Comparative Amounts Certain comparative amounts for the prior year have been reclassified to conform to current-year classifications. Such reclassifications had no material effect on net income or stockholders’ equity. New Accounting Pronouncements Not Yet Adopted In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments , which changes the impairment model for most financial assets. This standard, along with several other subsequent codification updates, replaces the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses that are expected to occur over the remaining life of a financial asset and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The amendments in this update require a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected. The new current expected credit losses model (“CECL”) will apply to the allowance for loan losses, available-for-sale and held-to-maturity debt securities, purchased financial assets with credit deterioration and certain off-balance sheet credit exposures. Management has completed its implementation plan, segmentation and testing, and model validation. The implementation plan included drafting of additional controls and policies to govern data uploads to its third-party vendor, balancing and reconciling, testing and auditing of inputs, and review and decision-making surrounding segmentation, methodologies, qualitative factor adjustments, and reasonable and supportable forecasts and reversion techniques. Parallel runs were processed during 2022 and the results were consistent with management's expectations. The implementation plan is currently going through the Company's control structure and internal control testing is being performed. As a result of adopting this standard, the Company expects the increase in its allowance effective January 1, 2023, to be in the range of $ 2.0 million to $ 2.5 million. In addition, the adoption of ASU No. 2016-13 will require the Company to gross up its previously purchased credit impaired loans through the allowance at January 1, 2023. As a result, the Company expects an increase in its allowance as of January 1, 2023, to be in the range of $ 2.2 million to $ 2.7 million. These estimates are subject to further refinements based on ongoing evaluations of our model, methodologies, and judgments, as well as prevailing economic conditions and forecasts as of the adoption date. The adoption of ASU 2016-13 is not expected to have a significant impact on our regulatory capital ratios. At adoption, the Company did not have any securities classified as HTM debt securities. No allowance was recorded related to AFS debt securities at the date of adoption, January 1, 2023. 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 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. In December 2022, the FASB issued ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 , which extends the sunset (or expiration) date of Accounting Standards Codification (ASC) Topic 848 to December 31, 2024. This gives reporting entities two additional years to apply the accounting relief provided under ASC Topic 848 for matters related to reference rate ref

Securities

Securities	12 Months Ended
	Dec. 31, 2022
Securities [Abstract]
Securities	NOTE 3 - SECURITIES The amortized cost, gross unrealized gains and losses, and fair value of securities were as follows: December 31, 2022 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE FOR SALE: U.S. Treasury securities $ 45,066 $ — $ ( 3,212 ) $ 41,854 U.S. Government agencies 21,266 — ( 2,943 ) 18,323 States and political subdivisions 157,524 2 ( 29,674 ) 127,852 Mortgage-backed securities- government sponsored entities 268,400 — ( 37,502 ) 230,898 Total debt securities $ 492,256 $ 2 $ ( 73,331 ) $ 418,927 December 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE FOR SALE: U.S. Treasury securities $ 19,550 $ 6 $ ( 205 ) $ 19,351 U.S. Government agencies 16,251 24 ( 264 ) 16,011 States and political subdivisions 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 security type and length of time that individual securities have been in a continuous unrealized loss position (in thousands): December 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 $ 25,733 $ ( 849 ) $ 16,121 $ ( 2,363 ) $ 41,854 $ ( 3,212 ) U.S. Government agencies 8,321 ( 885 ) 10,002 ( 2,058 ) 18,323 ( 2,943 ) States and political subdivisions 66,680 ( 11,194 ) 57,367 ( 18,480 ) 124,047 ( 29,674 ) Mortgage-backed securities-government sponsored entities 102,361 ( 10,639 ) 128,537 ( 26,863 ) 230,898 ( 37,502 ) $ 203,095 $ ( 23,567 ) $ 212,027 $ ( 49,764 ) $ 415,122 $ ( 73,331 ) 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 ) The Company has 203 debt securities in the less than twelve month category and 140 debt securities in the twelve months or more category as of December 31, 2022. In management’s opinion, the unrealized losses on securities reflect changes in interest rates subsequent to the acquisition of specific securities. No other-than-temporary-impairment charges were recorded in 2022. Management believes that all other unrealized losses represent temporary impairment of the securities, and it is more likely than not that it will not have to sell the securities before recovery of their cost basis. The amortized cost and fair value of debt securities as of December 31, 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. Amortized Fair Cost Value (In Thousands) Due in one year or less $ 5,883 $ 5,821 Due after one year through five years 43,272 40,981 Due after five years through ten years 54,146 44,419 Due after ten years 120,555 96,808 223,856 188,029 Mortgage-backed securities - government sponsored entities 268,400 230,898 $ 492,256 $ 418,927 Gross realized gains and gross realized losses on sales of securities available for sale were $ 14,000 and $ 11,000 , respectively, in 2022, compared to $ 92,000 and $ 0 , respectively, in 2021. The proceeds from the sales of securities totaled $ 5,113,000 and $ 11,366,000 for the years ended December 31, 2022 and 2021, respectively. Securities with a carrying value of $ 378,472,000 and $ 339,769,000 at December 31, 2022 and 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	12 Months Ended
	Dec. 31, 2022
Loans Receivable and Allowance for Loan Losses [Abstract]
Loans Receivable and Allowance for Loan Losses	NOTE 4 - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES Set forth below is selected data relating to the composition of the loan portfolio (in thousands): December 31, 2022 December 31, 2021 Real Estate: Residential $ 298,813 20.3 % $ 273,040 20.1 % Commercial 651,544 44.2 628,724 46.4 Agricultural 68,915 4.7 61,925 4.6 Construction 32,469 2.2 21,990 1.6 Commercial loans 187,257 12.7 186,031 13.7 Other agricultural loans 35,277 2.4 37,930 2.8 Consumer loans to individuals 200,149 13.5 146,400 10.8 Total loans 1,474,424 100.0 % 1,356,040 100.0 % Deferred fees, net ( 479 ) ( 1,109 ) Total loans receivable 1,473,945 1,354,931 Allowance for loan losses ( 16,999 ) ( 16,442 ) Net loans receivable $ 1,456,946 $ 1,338,489 During 2021 and 2020, 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 December 31, 2022 and 2021, the Company had outstanding principal balances of $ 121,000 and $ 15,209,000 , 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. 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 $ 0 and $ 2.9 million in fees associated with the processing of these loans in 2022 and 2021, respectively. Upon funding of the loans, these fees were deferred and are amortized over the life of the loan as an adjustment to yield in accordance with FASB ASC 310-20-25-2. As a result of the acquisition of 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 were as follows for the twelve months ended December 31: (In thousands) 2022 2021 Balance at beginning of period $ 1,884 $ 1,365 Additions — — Accretion ( 710 ) ( 880 ) Reclassification and other 653 1,399 Balance at end of period $ 1,827 $ 1,884 The following table presents additional information regarding loans acquired and accounted for in accordance with ASC 310-30 (in thousands): December 31, 2022 December 31, 2021 Outstanding Balance $ 8,368 $ 12,862 Carrying Amount $ 6,290 $ 8,304 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 There has been no allowance for loan losses recorded for acquired loans with specific evidence of deterioration in credit quality. As of December 31, 2022, for loans that were acquired prior to 2020 with or without specific evidence of deterioration in credit quality, adjustments to the allowance for loan losses have been accounted for through the allowance for loan loss adequacy calculation. The Company maintains a loan review system, which allows for a periodic review of our loan portfolio and the early identification of potential impaired loans. The system takes into consideration, among other things, delinquency status, size of loans, type and market value of collateral and financial condition of the borrowers. Specific loan loss allowances are established for identified losses based on a review of such information. A loan evaluated for impairment is considered to be impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. All loans identified as impaired are evaluated independently. The Company does not aggregate such loans for evaluation purposes. Impairment is measured on a loan-by-loan basis for commercial and construction loans by the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral-dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential mortgage loans for impairment disclosures, unless such loans are part of a larger relationship that is impaired, or are classified as a troubled debt restructuring. The following tables show the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated: Real Estate Loans Commercial Other Consumer Residential Commercial Agricultural Construction Loans Agricultural Loans Total (In thousands) December 31, 2022 Individually evaluated for impairment $ — $ 402 $ — $ — $ 61 $ — $ — $ 463 Loans acquired with deteriorated credit quality 567 2,049 2,034 — 1,640 — — 6,290 Collectively evaluated for impairment 298,246 649,093 66,881 32,469 185,556 35,277 200,149 1,467,671 Total Loans $ 298,813 $ 651,544 $ 68,915 $ 32,469 $ 187,257 $ 35,277 $ 200,149 $ 1,474,424 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 Principal Recorded Principal Associated Investment Balance Allowance December 31, 2022 (In thousands) With no related allowance recorded: Real Estate Loans Commercial $ 402 $ 402 $ — Commercial loans 11 11 — Subtotal 413 413 — With an allowance recorded: Commercial loans 50 50 50 Subtotal 50 50 50 Total: Real Estate Loans Commercial $ 402 $ 402 $ — Commercial loans 61 61 50 Total Impaired Loans $ 463 $ 463 $ 50 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 Residential — Commercial $ 1,658 $ 1,658 $ 272 Commercial loans 16 16 — Total Impaired Loans $ 1,674 $ 1,674 $ 272 The following information for impaired loans is presented for the years ended December 31, 2022 and 2021: Average Recorded Interest Income Investment Recognized 2022 2021 2022 2021 (In thousands) Total: Real Estate Loans Commercial $ 740 $ 2,358 $ 93 $ 157 Commercial loans 24 18 — 7 Total Loans $ 764 $ 2,376 $ 93 $ 164 Troubled debt restructured loans are those loans whose terms have been renegotiated to provide a reduction or deferral of principal or interest as a result of financial difficulties experienced by the borrower, who could not obtain comparable terms from alternate financing sources. As of December 31, 2022, there were no troubled debt restructured loans. During 2022, there were no new loan relationships identified as troubled debt restructurings. During 2022, there were no charge-offs on loans classified as troubled debt restructurings. As of December 31, 2021, there were no troubled debt restructured loans. During 2021, there were no new loans relationships identified as troubled debt restructurings. During 2021, there were no charge-offs on loans classified as troubled debt restructurings. Foreclosed assets acquired in settlement of loans are carried at fair value less estimated costs to sell and are included in foreclosed real estate owned on the Consolidated Balance Sheets. As of December 31, 2022 and 2021, foreclosed real estate owned totaled $ 346,000 and $ 1,742,000 , respectively. As of December 31, 2022, included within foreclosed real estate owned is one commercial property that was received via a deed in lieu. As of December 31, 2022, the Company has initiated formal foreclosure proceedings on four consumer residential mortgage loans with an outstanding balance of $ 223,000 . Management uses an eight point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first four categories are considered not criticized, and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. Loans greater than 90 days past due are considered Substandard unless full payment is expected. Any portion of a loan that has been charged off is placed in the Loss category. To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process with several layers of internal and external oversight. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as nonperformance, repossession, or death occurs to raise awareness of a possible credit event. The Company’s Loan Review Department is responsible for the timely and accurate risk rating of the loans on an ongoing basis. Every credit which must be approved by Loan Committee or the Board of Directors is assigned a risk rating at time of consideration. Loan Review also annually reviews relationships of $ 1,500,000 and over to assign or re-affirm risk ratings. Loans in the Substandard categories that are collectively evaluated for impairment are given separate consideration in the determination of the allowance. The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard, Doubtful and Loss within the internal risk rating system as of December 31, 2022 and December 31, 2021 (in thousands): Special Pass Mention Substandard Doubtful Loss Total December 31, 2022 Commercial real estate loans $ 646,775 $ 1,079 $ 3,690 $ — $ — $ 651,544 Real estate - agricultural 66,444 368 2,103 — — 68,915 Commercial loans 186,966 184 107 — — 187,257 Other agricultural loans 34,071 556 650 — — 35,277 Total $ 934,256 $ 2,187 $ 6,550 $ — $ — $ 942,993 Special Pass Mention Substandard Doubtful 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. Nonperforming loans include loans that have been placed on nonaccrual status and loans remaining in accrual status on which the contractual payment of principal and interest has become 90 days past due. The following table presents the recorded investment in the loan classes based on payment activity as of December 31, 2022 and December 31, 2021 (in thousands): Performing Nonperforming Total December 31, 2022 Residential real estate loans $ 298,327 $ 486 $ 298,813 Construction 32,469 — 32,469 Consumer loans to individuals 199,985 164 200,149 Total $ 530,781 $ 650 $ 531,431 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 December 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 Non-Accrual Total Past Due and Non-Accrual Purchased Credit Impaired Loans Total Loans December 31, 2022 Real Estate loans Residential $ 297,350 $ 187 $ 223 $ — $ 486 $ 896 $ 567 $ 298,813 Commercial 648,688 405 — — 402 807 2,049 651,544 Agricultural 66,751 130 — — — 130 2,034 68,915 Construction 32,469 — — — — — - 32,469 Commercial loans 185,485 71 — — 61 132 1,640 187,257 Other agricultural loans 35,277 — — — — — — 35,277 Consumer loans 198,893 853 239 — 164 1,256 - 200,149 Total $ 1,464,913 $ 1,646 $ 462 $ — $ 1,113 $ 3,221 $ 6,290 $ 1,474,424 Current 31-60 Days Past Due 61-90 Days Past Due Greater than 90 Days Past Due and still accruing Non-Accrual Total Past Due and Non-Accrual Purchased Credit Impaired Loans 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 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 ( 172 ) ( 20 ) — — ( 16 ) — ( 457 ) ( 665 ) Recoveries 130 82 — — 46 — 64 322 Provision for loan losses 700 ( 2,647 ) 259 276 925 124 1,263 900 Ending balance, December 31, 2022 $ 2,833 $ 8,293 $ 259 $ 409 $ 2,445 $ 124 $ 2,636 $ 16,999 Ending balance individually evaluated for impairment $ — $ — $ — $ — $ 50 $ — $ — $ 50 Ending balance collectively evaluated for impairment $ 2,833 $ 8,293 $ 259 $ 409 $ 2,395 $ 124 $ 2,636 $ 16,949 (In thousands) Residential Real Estate Commercial Real Estate Construction Commercial Consumer Total Beginning balance, December 31, 2020 $ 1,960 $ 8,004 $ 150 $ 1,360 $ 1,676 $ 13,150 Charge Offs ( 17 ) ( 452 ) — ( 200 ) ( 480 ) ( 1,149 ) Recoveries 74 19 — 49 99 241 Provision for loan losses 158 3,307 ( 17 ) 281 471 4,200 Ending balance, December 31, 2021 $ 2,175 $ 10,878 $ 133 $ 1,490 $ 1,766 $ 16,442 Ending balance individually evaluated for impairment $ — $ 272 $ — $ — $ — $ 272 Ending balance collectively evaluated for impairment $ 2,175 $ 10,606 $ 133 $ 1,490 $ 1,766 $ 16,170 During the period ended December 31, 2022, the allowance for loan losses increased from $ 16,442,000 to $ 16,999,000 . This $ 557,000 increase in the required allowance was due primarily to a $ 2.4 million increase in the qualitative factor related to loan growth and a $ 445,000 increase in the qualitative factor related to large balance loans, which was partially offset by a $ 2.3 million decrease in the qualitative factor related to COVID-19. During the period ended December 31, 2021, the allowance for loan losses increased from $ 13,150,000 to $ 16,442,000 . This $ 3,292,000 increase in the required allowance was due primarily to a $ 1.5 million increase in the qualitative factor related to loan growth and a $ 1.4 million increase due to an increase in the qualitative factor related to large balance loans. Interest income that would have been recorded on loans accounted for on a non-accrual basis under the original terms of the loans was $ 182,000 and $ 35,000 for 2022 and 2021, respectively. As of December 31, 2022 and 2021, the Company considered its concentration of credit risk to be acceptable. As of December 31, 2022, the highest concentrations are in commercial rentals and the residential rentals category, with loans outstanding of $ 141.9 million, or 9.6 % of loans outstanding, to commercial rentals, and $ 113.0 million, or 7.7 % of loans outstanding, to residential rentals. There were no charge-offs on loans within these concentrations for the years ended December 31, 2022 and 2021, respectively. During 2022, the Company sold residential mortgage loans totaling $ 845,000 . During 2021, the Company sold residential mortgage loans totaling $ 8,616,000 . Gross realized gains and gross realized losses on sales of residential mortgage loans were $ 3,000 and $ 0 , respectively, in 2022 and $ 177,000 and $ 0 , respectively, in 2021. The proceeds from the sales of residential mortgage loans totaled $ 848,000 and $ 8,793,000 for the years ended December 31, 2022 and 2021, respectively. As of December 31, 2022 and 2021, the outstanding value of loans serviced for others totaled $ 60.0 million and $ 65.4 million, respectively.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2022
Premises and Equipment [Abstract]
Premises and Equipment	NOTE 5 - PREMISES AND EQUIPMENT Components of premises and equipment at December 31 are as follows: 2022 2021 (In Thousands) Land and improvements $ 3,864 $ 3,879 Buildings and improvements 23,444 21,846 Furniture and equipment 10,506 10,183 37,814 35,908 Accumulated depreciation ( 19,890 ) ( 18,619 ) $ 17,924 $ 17,289 Depreciation expense totaled $ 1,470,000 and $ 1,481,000 for the years ended December 31, 2022 and 2021, respectively.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2022
Deposits:
Deposits	NOTE 6 - DEPOSITS Aggregate time deposits in denominations greater than $250,000 were $ 213,623,000 and $ 257,238,000 at December 31, 2022 and 2021, respectively. At December 31, 2022, the scheduled maturities of time deposits are as follows (in thousands): 2023 $ 336,258 2024 96,823 2025 57,384 2026 8,632 2027 4,673 $ 503,770

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2022
Borrowings [Abstract]
Borrowings	NOTE 7 – BORROWINGS Short-term borrowings at December 31 consist of the following: 2022 2021 (In Thousands) Securities sold under agreements to repurchase $ 50,951 $ 60,822 Federal Home Loan Bank short-term borrowings 42,264 — $ 93,215 $ 60,822 The outstanding balances and related information of short-term borrowings are summarized as follows: Years Ended December 31, 2022 2021 (Dollars In Thousands) Average balance during the year $ 69,711 $ 73,810 Average interest rate during the year 0.75 % 0.39 % Maximum month-end balance during the year $ 93,215 $ 90,409 Weighted average interest rate at the end of the year 2.65 % 0.34 % Securities sold under agreements to repurchase generally mature within one day to one year from the transaction date. Securities with an amortized cost and fair value of $ 63,737,000 and $ 54,562,000 at December 31, 2022 and $ 66,353,000 and $ 65,162,000 at December 31, 2021, respectively, were pledged as collateral for these agreements. The securities underlying the agreements were under the Company’s control. The collateral pledged for repurchase agreements that are classified as secured borrowings is summarized as follows (in thousands): As of December 31, 2022 Remaining Contractual Maturity of the Agreements Overnight and continuous Up to 30 days 30-90 days Greater than 90 days Total Repurchase Agreements: Mortgage-backed securities - government sponsored entities $ 54,562 $ — $ — $ — $ 54,562 Total liability recognized for repurchase agreements 50,951 As of December 31, 2021 Remaining Contractual Maturity of the Agreements Overnight and continuous Up to 30 days 30-90 days Greater than 90 days Total Repurchase Agreements: Mortgage-backed securities - government sponsored entities $ 65,162 $ — $ — $ — $ 65,162 Total liability recognized for repurchase agreements 60,822 The Company has a line of credit commitment available from the FHLB of Pittsburgh for borrowings of up to $ 150,000,000 , which renews annually in June. At December 31, 2022, there was $ 42,264,000 of borrowings outstanding on this line. There were no borrowings outstanding on this line of credit at December 31, 2021. The Company has a line of credit commitment available from Atlantic Community Bankers Bank for $ 7,000,000 , which expires on June 30, 2023. There were no borrowings under this line of credit at December 31, 2022 and 2021. The Company has a line of credit commitment available from PNC Bank for $ 16,000,000 at December 31, 2022. There were no borrowings under this line of credit at December 31, 2022 and December 31, 2021. The Company also has a line of credit commitment from Zions Bank for $ 17,000,000 at December 31, 2022. There were no borrowings under this line of credit at December 31, 2022 and December 31, 2021. Other borrowings consisted of the following at December 31, 2022 and 2021: 2022 2021 (In Thousands) Amortizing fixed rate borrowing due March 2022 at 1.75 % $ — $ 227 Amortizing fixed rate borrowing due August 2022 at 1.94 % — 1,364 Amortizing fixed rate borrowing due October 2022 at 1.88 % — 1,386 Amortizing fixed rate borrowing due October 2023 at 3.24 % — 3,856 Amortizing fixed rate borrowing due December 2023 at 3.22 % — 2,097 Fixed rate term borrowing due December 2023 at 1.95 % — 10,000 Amortizing fixed rate borrowing due December 2023 at 1.73 % — 5,190 Amortizing fixed rate borrowing due April 2024 at 0.91 % — 5,878 Amortizing fixed rate borrowing due December 2023 at 5.08 % 40,000 — $ 40,000 $ 29,998 Contractual maturities and scheduled cash flows of other borrowings at December 31, 2022 are as follows (in thousands): 2023 $ 40,000 $ 40,000 The Bank’s maximum borrowing capacity with the FHLB was $ 655,344,000 of which $ 82,264,000 was outstanding in the form of advances and $ 92,900,000 was outstanding in the form of letters of credit at December 31, 2022. Advances from the FHLB are secured by qualifying assets of the Bank.

Operating Leases

Operating Leases	12 Months Ended
	Dec. 31, 2022
Operating Leases [Abstract]
Operating Leases	NOTE 8 – OPERATING LEASES The Company leases seven office locations under operating leases. Several assumptions and judgments were made when applying the requirements of Topic 842 to the Company’s existing lease commitments, including the allocation of consideration in the contracts between lease and nonlease components, determination of the lease term, and determination of the discount rate used in calculating the present value of the lease payments. The Company has elected to account for the variable nonlease components, such as common area maintenance charges, utilities, real estate taxes, and insurance, separately from the lease component. Such variable nonlease components are reported in net 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 year ending December 31, 2022 and 2021, amounted to $ 609,000 and $ 587,000 respectively. The right-of-use asset associated with operating leases amounted to $ 4,109,000 and $ 4,511,000 at December 31, 2022 and 2021, respectively. The lease liability associated with operating leases amounted to $ 4,195,000 and $ 4,577,000 at December 31, 2022 and 2021, 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 December 31, 2022. Operating Weighted-average remaining term 10.7 years Weighted-average discount rate 2.71 % The following table presents the undiscounted cash flows due related to operating leases as of December 31, 2022, along with a reconciliation to the discounted amount recorded on the Consolidated Balance Sheets: Undiscounted cash flows due (in thousands) Operating 2023 $ 557 2024 544 2025 561 2026 504 2027 401 2028 and thereafter 2,414 Total undiscounted cash flows 4,981 Discount on cash flows ( 786 ) Total lease liabilities $ 4,195 Under Topic 842, the lessee can elect to not record on the Consolidated Balance Sheets a lease whose term is twelve months or less and does not include a purchase option that the lessee is reasonably certain to exercise. As of December 31, 2022, the Company had no leases that had a term of twelve months or less.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2022
Employee Benefit Plans [Abstract]
Employee Benefit Plans	NOTE 9 – EMPLOYEE BENEFIT PLANS The Company has a defined contributory profit-sharing plan which includes provisions of a 401(k) plan. The plan permits employees to make pre-tax contributions, not to exceed the limits set by the Internal Revenue Service. The amount of contributions to the plan, including matching contributions, is at the discretion of the Board of Directors. All employees over the age of 21 are eligible to participate in the plan and receive Company contributions after 90 days of employment. Eligible employees are able to contribute to the Plan at the beginning of the first quarterly period after their date of employment. Employee contributions vest immediately, and any Company contributions are fully vested after four years . The Company’s contributions are expensed as the cost is incurred, funded currently, and amounted to $ 1,310,000 and $ 1,135,000 for the years ended December 31, 2022 and 2021, respectively. The Company has several non-qualified supplemental executive retirement plans for the benefit of certain executive officers and former officers. At December 31, 2022 and 2021, other liabilities include $ 3,518,000 and $ 3,481,000 accrued under the Plan. Compensation expense includes approximately $ 461,000 and $ 364,000 relating to the supplemental executive retirement plan for 2022 and 2021, respectively. To fund the benefits under this plan, the Company is the owner of single premium life insurance policies on participants in the non-qualified retirement plan. At December 31, 2022 and 2021, the cash value of these policies was $ 43,364,000 and $ 40,038,000 , respectively. The Company provides postretirement benefits in the form of split-dollar life arrangements to employees who meet the eligibility requirements. The net periodic postretirement benefit expense included in salaries and employee benefits was $ 101,000 and $ 153,000 for the years ended December 31, 2022 and 2021, respectively. FASB authoritative guidance on accounting for deferred compensation and postretirement benefit aspects of endorsement split-dollar life insurance arrangements requires the recognition of a liability and related compensation expense for endorsement split-dollar life insurance that provides a benefit to an employee that extends to postretirement periods. The life insurance policies purchased for the purpose of providing such benefits do not effectively settle an entity’s obligation to the employee. Accordingly, the entity must recognize a liability and related compensation expense during the employee’s active service period based on the future cost of insurance to be incurred during the employee’s retirement. This expense is included in the SERP plan expense for 2022 and 2021 discussed above. If the entity has agreed to provide the employee with a death benefit, then the liability for the future death benefit should be recognized by following the FASB authoritative guidance on employer’s accounting for postretirement benefits other than pensions. The accumulated postretirement benefit obligation was $ 1,731,000 and $ 1,630,000 at December 31, 2022 and 2021, respectively. Certain key executives have change in control agreements with the Company. These agreements provide certain potential benefits in the event of termination of employment following a change in control. The Company participates in the Pentegra Mulitemployer Defined Benefit Pension Plan (EIN 13-5645888 and Plan # 333) as a result of its acquisition of North Penn. As of December 31, 2022 and 2021, the Company’s Plan was 106.7 % and 116.6 % funded, respectively, and total contributions made are not more than 5 % of the total contributions to the Plan. The Company’s expense related to the Plan was $ 11,000 in 2022 and $ 17,000 in 2021. During the plan years ending December 31, 2022 and 2021, the Company made contributions of $ 11,000 and $ 17,000 , respectively. As a result of its acquisition of Delaware, the Company is a member of the New York State Bankers Retirement System. Substantially all full-time employees who were former employees of Delaware are covered under this defined benefit pension plan (the “Delaware Plan”). The Company’s funding policy is to contribute at least the minimum required contribution annually. Pension cost is computed using the projected unit credit actuarial cost method. Effective December 31, 2012, the Delaware Plan was closed to new participants and accrued benefits were frozen. The following table sets forth the projected benefit obligation and change in plan assets for the Delaware Plan at December 31: (in Thousands) 2022 2021 Change in projected benefit obligation: Projected benefit obligation at beginning of year $ ( 7,622 ) $ ( 8,065 ) Service cost — ( 51 ) Interest cost ( 216 ) ( 206 ) Actuarial (gain) loss 1,615 177 Benefits paid 476 523 Benefit obligation at end of year $ ( 5,747 ) $ ( 7,622 ) Change in plan assets: Fair value of plan assets at beginning of year $ 7,691 $ 7,744 Actual return on plan assets ( 1,933 ) 474 Benefits paid ( 553 ) ( 527 ) Fair value of assets at end of year 5,205 7,691 Funded status at end of year $ ( 542 ) $ 69 The Delaware Plan paid $ 476,000 and $ 523,000 in benefit payments in 2022 and 2021, respectively. Estimated benefit payments under the Delaware Plan are expected to be approximately $ 479,000 , $ 463,000 , $ 446,000 , $ 449,000 and $ 439,000 for the next five years. Payments are expected to be approximately $ 2,081,000 in total for the five-year period ending December 31, 2032. The Company was not required to make any contributions to the Delaware Plan in 2022 or 2021. The increase in the projected discount rate from 2.93 % to 5.44 % decreased the projected benefit obligation for the year ended December 31, 2022 by approximately $ 1.6 million. The accumulated benefit obligation for the Delaware Plan was $ 5,747,000 and $ 7,622,000 at December 31, 2022 and 2021, respectively. The following table sets forth the amounts recognized in accumulated other comprehensive income for the years ended December 31 (in thousands): 2022 2021 Transition asset $ — $ — Prior service credit — — (Loss) gain ( 784 ) 220 Total $ ( 784 ) $ 220 Net pension cost (income) included the following components (in thousands): 2022 2021 Service cost benefits earned during the period $ — $ 51 Interest cost on projected benefit obligation 216 206 Actual return on assets ( 336 ) ( 394 ) Net amortization and deferral ( 53 ) ( 34 ) Net periodic pension cost (income) $ ( 173 ) $ ( 171 ) The weighted average assumptions used to determine the benefit obligation at December 31 are as follows: 2022 2021 Discount rate 5.44 % 2.93 % The weighted average assumptions used to determine the net periodic pension cost at December 31 are as follows: 2022 2021 Discount rate 5.44 % 2.63 % Expected long-term return on plan assets 6.00 % 5.25 % Rate of compensation increase — % — % The expected long-term return on plan assets was determined based upon expected returns on individual asset types included in the asset portfolio. The Delaware Plan’s weighted-average asset allocations at December 31, by asset category, are as follows: 2022 2021 Cash equivalents 16.6 % — % Equity securities 25.1 % 35.7 % Fixed income securities 21.7 % 35.0 % Other 36.6 % 29.3 % 100.0 % 100.0 % The New York Bankers Retirement System (“System”) overall investment strategy is to invest in a diversifiedportfolio while managing the variability between the assets and projected liabilities of underfunded pension plans. The System’s Board Members approved a migration (the “Migration”) of substantially all of the System’s assets toone fund, Commingled Pensions Trust Fund (LDI Diversified Balanced) of JPMorgan Chase Bank, N.A. (“JPMCBLDI Diversified Balanced Fund” or the “Fund”). The Fund is a collective investment fund managed by the Trustee under the Declaration of Trust. The Trustee is the Fund’s manager and makes day-to-day investment decisions for the Fund. The Fund is a group trust within the meaning of Internal Revenue Service Revenue Ruling 81-100, as amended. In reliance upon exemptions from the registration requirements of the federal securities laws, neither the Fund nor the Fund’s Units are registered with the Securities and Exchange Commission (“SEC”) or any state securities commission. Because the Fund is not subject to registration under federal or state securities laws, certain protections that might otherwise be provided to investors in registered funds are not available to investors in the Fund. However, as a bank-sponsored collective investment trust holding qualified retirement plan assets, the Fund is required to comply with applicable provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and the Trustee is subject to supervision and regulation by the Office of theComptroller of the Currency and the Department of Labor. The Fund employs a liability driven investing (“LDI”) strategy for pension plans that are seeking a solution that is balanced between growth and hedging. The Bloomberg Barclays Long A U.S. Corporate Index, the Fund’s primary liability-performance benchmark, is used as a proxy for plan projected liabilities. The growth-oriented portion of the Fund invests in a mix of asset classes that the Fund’s Trustee believes will collectively maximize total risk-adjusted return through a combination of capital appreciation and income. This portion of the Fund will comprise between 35 % and 90 % of the portfolio and will invest directly or indirectly via underlying funds in a broad mix of global equity, credit, global fixed income, real estate and cash-plus strategies. The remaining portionof the Fund, between 10 % and 65 % of the portfolio, provides exposure to U.S. long duration fixed income and is used to minimize volatility relative to a plan’s projected liabilities. This portion of the Fund will invest directly or indirectly via underlying funds in investment grade corporate bonds and securities issued by the U.S. Treasury and its agencies or instrumentalities. At December 31, 2022 and 2021, the portfolio was substantially managed by one investment firm who controlled approximately 96 % and 100 %, respectively, of the System’s assets. Also, at December 31, 2022 and 2021, approximately $ 7.0 million and $- 0 -, respectively, of System’s assets in the short-term investment fund (STIF)account had not yet been allocated to an investment manager, nor deployed for benefit payments or expenses. At December 31, 2022 and 2021, the System had an investment concentration of approximately 96 % and 100 %, respectively, of its total portfolio in the JPMCB LDI Diversified Balanced Fund, a commingled pension trust fund. In accordance with ASC Subtopic 820-10, certain investments measured at net asset value per share (or its equivalents) are not required to be classified in the fair value hierarchy.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Income Taxes	NOTE 10 - INCOME TAXES The components of the provision for federal income taxes are as follows: Years Ended December 31, 2022 2021 (In Thousands) Current $ 6,733 $ 6,328 Deferred 419 ( 383 ) $ 7,152 $ 5,945 Deferred income taxes reflect temporary differences in the recognition of revenue and expenses for tax reporting and financial statement purposes, principally because certain items, such as the allowance for loan losses and loan fees are recognized in different periods for financial reporting and tax return purposes. As of December 31, 2022, the Company had a $ 3,535,000 net operating loss carryforward that will begin to expire by December 31, 2037 . A valuation allowance has not been established for deferred tax assets. Realization of the deferred tax assets is dependent on generating sufficient taxable income. Although realization is not assured, management believes it is more likely than not that all of the deferred tax asset will be realized. Deferred tax assets are recorded in other assets. Income tax expense of the Company is less than the amounts computed by applying statutory federal income tax rates to income before income taxes because of the following: Percentage of Income before Income Taxes Years Ended December 31, 2022 2021 Tax at statutory rates 21.0 % 21.0 % Tax exempt interest income, net of interest expense disallowance ( 1.6 ) ( 1.9 ) Non-deductible merger related expenses — — Earnings and proceeds on life insurance ( 0.6 ) ( 0.6 ) Other 0.9 0.8 19.7 % 19.3 % The net deferred tax asset included in other assets in the accompanying Consolidated Balance Sheets includes the following amounts of deferred tax assets and liabilities: 2022 2021 (In Thousands) Deferred tax assets: Allowance for loan losses $ 3,985 $ 3,855 Deferred compensation 834 817 Core deposit intangible 204 231 Pension liability 267 302 Foreclosed real estate valuation allowance 19 19 Net operating loss carryforward 829 913 Purchase price adjustment 1,779 2,487 Net unrealized loss on securities 15,399 386 Other 2,838 1,228 Total Deferred Tax Assets 26,154 10,238 Deferred tax liabilities: Premises and equipment 1,085 1,004 Deferred loan fees 1,366 125 Net unrealized gain on pension liability 154 318 Total Deferred Tax Liabilities 2,605 1,447 Net Deferred Tax Asset $ 23,549 $ 8,791 The Company’s federal and state income tax returns for taxable years through 2019 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.

Regulatory Matters and Stockhol

Regulatory Matters and Stockholders' Equity	12 Months Ended
	Dec. 31, 2022
Regulatory Matters and Stockholders' Equity [Abstract]
Regulatory Matters and Stockholders' Equity	NOTE 11 - REGULATORY MATTERS AND STOCKHOLDERS’ EQUITY The Company and Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk-weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of Total, Tier 1 and Common Equity Tier 1 capital (as defined in the regulations) to risk-weighted assets, and of Tier 1 capital to average assets. Management believes, as of December 31, 2022 and 2021, that the Company and the Bank meet all capital adequacy requirements to which they are subject. As of December 31, 2022, the most recent notification from the regulators has categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Company’s actual capital amounts and ratios are presented in the following table: To be Well Capitalized under Prompt For Capital Adequacy Corrective Action Actual Purposes Provision Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) As of December 31, 2022: Total capital (to risk-weighted assets) $ 211,055 13.58 % ≥$ 124,303 ≥ 8.00 % ≥$ 155,379 ≥ 10.00 % Tier 1 capital (to risk-weighted assets) 194,124 12.49 ≥$ 93,228 ≥ 6.00 ≥$ 124,303 ≥ 8.00 Common Equity Tier 1 capital (to risk-weighted assets) 194,124 12.49 ≥$ 69,921 ≥ 4.50 ≥$ 100,997 ≥ 6.50 Tier 1 capital (to average assets) 194,124 9.36 ≥$ 82,934 ≥ 4.00 ≥$ 103,668 ≥ 5.00 As of December 31, 2021: Total capital (to risk-weighted assets) $ 191,469 13.66 % ≥$ 112,117 ≥ 8.00 % ≥$ 140,146 ≥ 10.00 % Tier 1 capital (to risk-weighted assets) 175,027 12.49 ≥ 84,087 ≥ 6.00 ≥ 112,117 ≥ 8.00 Common Equity Tier 1 capital (to risk-weighted assets) 175,027 12.49 ≥ 63,066 ≥ 4.50 ≥ 91,095 ≥ 6.50 Tier 1 capital (to average assets) 175,027 8.51 ≥ 82,243 ≥ 4.00 ≥ 102,804 ≥ 5.00 The Bank’s ratios do not differ significantly from the Company’s ratios presented above. The Company and the Bank are subject to regulatory capital rules which, among other things, impose a common equity Tier 1 minimum capital requirement of 4.50 % of risk-weighted assets; set the minimum leverage ratio for all banking organizations at a uniform 4.00 % of total assets; set the minimum Tier 1 capital to risk-based assets requirement at 6.00 % of risk-weighted assets; and assign a risk-weight of 150 % to exposures that are more than 90 days past due or are on nonaccrual status and to certain commercial real estate facilities that finance the acquisition, development or construction of real property. The rules also require unrealized gains and losses on certain “available-for-sale” securities holdings to be included for purposes of calculating regulatory capital requirements unless a one-time opt out is exercised, which the Company and the Bank have done. The rule also limits a banking organization’s dividends, stock repurchases and other capital distributions, and certain discretionary bonus payments to executive officers, if the banking organization does not hold a “capital conservation buffer” consisting of 2.50 % of common equity Tier 1 capital to risk-weighted assets above regulatory minimum risk-based requirements. The Company and the Bank are in compliance with their respective new capital requirements, including the capital conservation buffer, as of December 31, 2022. Pennsylvania banking regulations limit the ability of the Bank to pay dividends or make loans or advances to the Company. Dividends that may be paid in any calendar year are limited to the current year's net profits, combined with the retained net profits of the preceding two years. At December 31, 2022, dividends from the Bank available to be paid to the Company, without prior approval of the Bank's regulatory agency, totaled $ 52.7 million, subject to the Bank meeting or exceeding regulatory capital requirements. The Company's principal source of funds for dividend payments to shareholders is dividends received from the Bank.

Stock Based Compensation

Stock Based Compensation	12 Months Ended
	Dec. 31, 2022
Stock Based Compensation [Abstract]
Stock-Based Compensation	NOTE 12 - STOCK BASED COMPENSATION At the Annual Meeting held on April 22, 2014, the Company’s stockholders approved the Norwood Financial Corp 2014 Equity Incentive Plan. An aggregate of 375,000 shares of authorized but unissued Common Stock of the Company were reserved for future issuance under the Plan. This includes up to 60,000 shares for awards to outside directors. The Plan also authorized the Company to award restricted stock to officers and outside directors, limited to 63,000 shares of restricted stock awards for officers and 12,000 shares of restricted stock awards for outside directors. At the Annual Meeting held on April 24, 2018, the Company’s stockholders approved an amendment to the 2014 Equity Incentive Plan to ease certain restrictions on restricted stock awards to outside directors. As a result of this amendment, the number of shares available for restricted stock awards to officers was reduced by 300 shares to 62,700 , while the number of shares available for restricted stock awards to outside directors was increased by 20,300 to 32,300 shares. At the Annual Meeting held on April 26, 2022, the Company’s stockholders approved an amendment to the 2014 Equity Incentive Plan to increase the number of shares available for awards. As a result of this amendment, the number of shares available for stock awards to officers was increased by 60,000 shares, including 40,000 shares for restricted stock awards, while the number of shares available for stock awards to outside directors was increased by 40,000 shares, including 30,000 shares for restricted stock awards. Under this plan, the Company has granted 357,966 shares, which included 229,866 options to employees, 10,400 options to directors, 74,125 shares of restricted stock to officers and 43,575 shares of restricted stock to directors. The restricted shares vest over five years . The product of the number of shares granted and the grant date market price of the Company’s common stock determine the fair value of restricted stock under the company’s restricted stock plan. Management recognizes compensation expense for the fair value of restricted stock on a straight-line basis over the requisite service period for the entire award. As of December 31, 2022, there were 117,035 shares available for future awards under this plan, which includes 71,010 shares available for officer awards and 46,025 shares available for awards to outside directors. Included in these totals are 28,575 shares available for restricted stock awards to officers and 18,725 shares available for restricted stock awards to outside directors. Total unrecognized compensation cost related to stock options was $ 382,000 as of December 31, 2022 and $ 269,000 as of December 31, 2021. Salaries and employee benefits expense includes $ 269,000 and $ 214,000 of compensation costs related to options for the years ended December 31, 2022 and 2021, respectively. Compensation costs related to restricted stock amounted to $ 372,000 and $ 335,000 for the years ended December 31, 2022 and 2021, respectively. The expected future compensation expense relating to non-vested restricted stock outstanding as of December 31, 2022 and 2021 was $ 1,294,000 and $ 953,000 , respectively. A summary of the Company’s stock option activity and related information for the years ended December 31 follows: 2022 2021 Weighted Weighted Average Average Average Average Exercise Intrinsic Exercise Intrinsic Options Price Value Options Price Value Outstanding, beginning of year 226,075 $ 26.37 215,970 $ 25.73 Granted 38,000 33.53 43,500 25.80 Exercised ( 34,425 ) 19.08 ( 22,420 ) 17.59 Forfeited ( 10,675 ) 27.56 ( 10,975 ) 29.48 Outstanding, end of year 218,975 $ 26.70 $ 1,100 226,075 $ 26.37 $ 520 Exercisable, end of year 180,975 $ 27.68 $ 1,100 182,575 $ 26.50 $ 511 Exercise prices for options outstanding as of December 31, 2022 ranged from $ 17.93 to $ 36.02 per share. The weighted average remaining contractual life is 6.8 years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following weighted average assumptions: Years Ended December 31, 2022 2021 Dividend yield 3.57 % 3.55 % Expected life 10 years 10 years Expected volatility 35.01 % 34.69 % Risk-free interest rate 3.87 % 1.51 % Weighted average fair value of options granted $ 10.06 $ 6.49 The expected volatility is based on historical volatility. The risk-free interest rates for periods within the contractual life of the awards are based on the U.S. Treasury yield curve in effect at the time of the grant. The expected life is based on historical exercise experience. The dividend yield assumption is based on the Company’s history and expectation of dividend payouts. Proceeds from stock option exercises totaled $ 657,000 in 2022. Shares issued in connection with stock option exercises are issued from available treasury shares or from available authorized shares. During 2022, for the shares issued in connection with stock option exercises, 1,650 shares in total, all shares were issued from available authorized shares. As of December 31, 2022, outstanding stock options consist of the following: Average Average Options Exercise Remaining Options Exercise Outstanding Price Life, Years Exercisable Price 11,125 $ 17.93 1.0 11,125 $ 17.93 8,250 19.39 1.9 8,250 19.39 9,375 19.03 2.9 9,375 19.03 12,125 22.37 4.0 12,125 22.37 25,250 32.81 5.0 25,250 32.81 22,100 32.34 6.0 22,100 32.34 22,500 36.02 7.0 22,500 36.02 30,750 26.93 8.0 30,750 26.93 1,000 26.35 8.3 1,000 26.35 1,000 25.38 8.5 1,000 25.38 37,500 25.80 9.0 37,500 25.80 38,000 33.53 10.0 — — Total 218,975 180,975 A summary of the Company’s restricted stock activity and related information for the years ended December 31 is as follows: 2022 2021 Weighted-Average Weighted-Average Number of Grant Date Number of Grant Date Shares Fair Value Shares Fair Value Non-vested, beginning of year 32,030 $ 26.76 39,135 $ 30.72 Granted 23,000 30.25 8,000 25.80 Vested ( 10,570 ) 30.89 ( 11,205 ) 32.15 Forfeited — — ( 3,900 ) 31.72 Non-vested at December 31 44,460 $ 30.12 32,030 $ 26.76

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Earnings Per Share	NOTE 13 - EARNINGS PER SHARE The following table sets forth the computations of basic and diluted earnings per share: Years Ended December 31, 2022 2021 (In Thousands, Except Per Share Data) Numerator, net income $ 29,233 $ 24,915 Denominator: Weighted average shares outstanding 8,174 8,213 Less: Weighted average unvested restricted shares ( 37 ) ( 35 ) Denominator: Basic earnings per share 8,137 8,178 Weighted average shares outstanding, basic 8,137 8,178 Add: Dilutive effect of stock options and restricted stock 40 21 Denominator: Diluted earnings per share 8,177 8,199 Basic earnings per common share $ 3.59 $ 3.05 Diluted earnings per common share $ 3.58 $ 3.04 Stock options which had no intrinsic value because their effect would be anti-dilutive, and therefore would not be included in the diluted EPS calculation, were 60,500 and 109,100 for the years ended December 31, 2022 and 2021, respectively, based on the closing price of the Company’s common stock which was $ 33.44 and $ 25.99 as of December 31, 2022 and 2021, respectively.

Off-Balance Sheet Financial Ins

Off-Balance Sheet Financial Instruments	12 Months Ended
	Dec. 31, 2022
Off-Balance Sheet Financial Instruments and Guarantees [Abstract]
Off-Balance Sheet Financial Instruments and Guarantees	NOTE 14 - OFF-BALANCE SHEET FINANCIAL INSTRUMENTS The Bank is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheets. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and letters of credit is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. A summary of the Bank’s financial instrument commitments is as follows: December 31, 2022 2021 (In Thousands) Commitments to grant loans $ 90,379 $ 78,996 Unfunded commitments under lines of credit 149,883 156,899 Standby letters of credit 15,052 8,462 $ 255,314 $ 244,357 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being drawn upon, the total commitment amount does not necessarily represent future cash requirements. The Bank evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the customer and generally consists of real estate. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. The majority of these standby letters of credit expire within the next twelve months. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending other loan commitments. The Bank requires collateral supporting these letters of credit when deemed necessary. Management believes that the proceeds obtained through a liquidation of such collateral would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees.

Interest Rate Swaps

Interest Rate Swaps	12 Months Ended
	Dec. 31, 2022
Interest Rate Swaps [Abstract]
Interest Rate Swaps	NOTE 15 – 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 December 31, 2022, 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 which had a fair value $ 1,464,000 . Summary information regarding these derivatives is presented below: (Amounts in thousands) Notional Amount, December 31, Fair Value December 31, 2022 2021 Interest Rate Paid Interest Rate Received 2022 2021 Customer interest rate swap Maturing November, 2030 $ 6,513 $ 6,873 Term SOFR + Margin Fixed $ 889 $ 144 Maturing December, 2030 4,297 4,553 Term SOFR + Margin Fixed 575 91 Total $ 10,810 $ 11,426 $ 1,464 $ 235 Third party interest rate swap Maturing November, 2030 $ 6,513 $ 6,873 Fixed Term SOFR + Margin $ 889 $ 144 Maturing December, 2030 4,297 4,553 Fixed Term SOFR + Margin 575 91 Total $ 10,810 $ 11,426 $ 1,464 $ 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 December 31, 2022 Interest rate derivatives Other assets $ 1,464 Other liabilities $ 1,464 December 31, 2021 Interest rate derivatives Other assets 235 Other liabilities 235

Fair Values of Financial Instru

Fair Values of Financial Instruments	12 Months Ended
	Dec. 31, 2022
Fair Values of Financial Instruments [Abstract]
Fair Values of Financial Instruments	NOTE 16 – FAIR VALUES OF FINANCIAL INSTRUMENTS Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. In accordance with fair value accounting guidance, the Company measures, records, and reports various types of assets and liabilities at fair value on either a recurring or non-recurring basis in the Consolidated Financial Statements. Those assets and liabilities are presented in the sections entitled “Assets and Liabilities Required to be Measured and Reported at Fair Value on a Recurring Basis” and “Assets and Liabilities Required to be Measured and Reported at Fair Value on a Non-Recurring Basis”. There are three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. Assets and Liabilities Required to be Measured and Reported at Fair Value on a Recurring Basis For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2022 and 2021 are as follows (in thousands): Fair Value Measurement Reporting Date using Description Total Level 1 Level 2 Level 3 December 31, 2022 ASSETS U.S. Treasury securities $ 41,854 $ — $ 41,854 $ — U.S. Government agencies 18,323 — 18,323 — States and political subdivisions 127,852 — 127,852 — Mortgage-backed securities-government sponsored entities 230,898 — 230,898 — Interest rate derivatives 1,464 — 1,464 — LIABILITIES Interest rate derivatives 1,464 — 1,464 — December 31, 2021 ASSETS U.S. Treasury securities $ 19,351 $ — $ 19,351 $ — U.S. Government agencies 16,011 — 16,011 — States and political subdivisions 145,867 — 145,867 — Mortgage-backed securities-government sponsored entities 225,553 — 225,553 — Interest rate derivatives 235 — 235 — 235 — 235 LIABILITIES Interest rate derivatives 235 — 235 — Securities: The fair value of securities available for sale (carried at fair value) are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1), or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted prices. For certain securities which are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence (Level 3). In the absence of such evidence, management’s best estimate is used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Internal cash flow models using a present value formula that includes assumptions market participants would use along with indicative exit pricing obtained from broker/dealers (where available) are used to support fair values of certain Level 3 investments, if applicable. Interest Rate Swaps: The fair value of interest rate swaps is based upon the present value of the expected future cash flows using the SOFR 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 SOFR 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 December 31, 2022 and 2021 are as follows (in thousands): Fair Value Measurement Reporting Date using Description Total Level 1 Level 2 Level 3 December 31, 2022 Impaired Loans $ 413 $ — $ — $ 413 Foreclosed real estate 346 — — 346 December 31, 2021 Impaired Loans $ 1,402 $ — $ — $ 1,402 Foreclosed real estate 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 December 31, 2022, the fair value investment in impaired loans totaled $ 413,000 , which included two loan relationships with a carrying value of $ 413,000 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, 2022, 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, 2022, the fair value investment in impaired loans included one loan relationships with a carrying value of $ 50,000 that required a valuation allowance of $ 50,000 since the estimated realizable value of the collateral did not support the recorded investment in the loan. As of December 31, 2022, 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. 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, or in lieu of, loan foreclosure are to be sold and are carried at fair value less estimated cost to sell. Fair value is based upon independent market prices, appraised value of the collateral or management’s estimation of the value of the collateral. These assets are included in Level 3 fair value based upon the lowest level of input that is significant to the fair value measurement. The following tables present additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value: Quantitative Information about Level 3 Fair Value Measurements (dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) December 31, 2022 Impaired loans $ 413 Appraisal of collateral(1) Appraisal adjustments(2) 0 %- 10.0 % ( 8.92 %) Foreclosed real estate owned $ 346 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 estimated fair values of the Bank’s financial instruments not required to be measured or reported at fair value were as follows at December 31, 2022 and December 31, 2021. (In thousands): Fair Value Measurements at December 31, 2022 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents (1) $ 31,866 $ 31,866 $ 31,866 $ — $ — Loans receivable, net 1,456,946 1,418,300 — — 1,418,300 Mortgage servicing rights 213 498 — — 498 Regulatory stock (1) 5,418 5,418 5,418 — — Bank owned life insurance (1) 43,364 43,364 43,364 — — Accrued interest receivable (1) 6,917 6,917 6,917 — — Financial liabilities: Deposits 1,727,727 1,727,184 1,223,958 — 503,226 Short-term borrowings (1) 93,215 93,215 93,215 — — Other borrowings 40,000 40,074 — — 40,074 Accrued interest payable (1) 2,653 2,653 2,653 — — Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit — — — — — Fair Value Measurements at December 31, 2021 Carrying Fair Amount 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.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income	NOTE 17 – ACCUMULATED OTHER COMPREHENSIVE INCOME The following tables present the changes in accumulated other comprehensive income (loss) (in thousands) by component, net of tax, for the years ended December 31, 2022 and 2021: Unrealized gains on available for sale securities (a) Unrealized gain on pension liability (a) Total (a) Balance as of December 31, 2021 $ ( 1,453 ) $ 1,197 $ ( 256 ) Other comprehensive income (loss) before reclassification ( 56,476 ) ( 619 ) ( 57,095 ) Amount reclassified from accumulated other comprehensive loss ( 2 ) — ( 2 ) Total other comprehensive income ( 56,478 ) ( 619 ) ( 57,097 ) Balance as of December 31, 2022 $ ( 57,931 ) $ 578 $ ( 57,353 ) Unrealized gains on available for sale securities (a) Unrealized gain on pension liability (a) Balance as of December 31, 2020 $ 4,096 $ 1,023 $ 5,119 Other comprehensive income (loss) before reclassification ( 5,476 ) 174 ( 5,302 ) Amount reclassified from accumulated other comprehensive loss ( 73 ) — ( 73 ) Total other comprehensive ( 5,549 ) 174 ( 5,375 ) Balance as of December 31, 2021 $ ( 1,453 ) $ 1,197 $ ( 256 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents significant amounts reclassified out of each component of accumulated other comprehensive income (loss) (in thousands) for the years ended December 31, 2022 and 2021: Amount Reclassified From Accumulated Affected Line Item in Other Consolidated Comprehensive Statements of Details about other comprehensive income Income (a) Income Twelve months Twelve months ended ended December 31, December 31, 2022 2021 Unrealized gains on available for sale securities $ 3 $ 92 Net realized gains on sales of securities ( 1 ) ( 19 ) Income tax expense $ 2 $ 73 (a) Amounts in parentheses indicate debits to net income.

Norwood Financial Corp (Parent

Norwood Financial Corp (Parent Company Only) Financial Information	12 Months Ended
	Dec. 31, 2022
Norwood Financial Corp (Parent Company Only) Financial Information [Abstract]
Norwood Financial Corp (Parent Company Only) Financial	NOTE 18 - NORWOOD FINANCIAL CORP (PARENT COMPANY ONLY) FINANCIAL INFORMATION BALANCE SHEETS December 31, 2022 2021 (In Thousands) ASSETS Cash on deposit in bank subsidiary $ 3,938 $ 1,511 Investment in bank subsidiary 164,248 204,547 Other assets 2,365 2,472 Total assets $ 170,551 $ 208,530 LIABILITIES AND STOCKHOLDERS’ EQUITY Liabilities $ 3,466 $ 3,268 Stockholders’ equity 167,085 205,262 Total liabilities and stockholders' equity $ 170,551 $ 208,530 STATEMENTS OF INCOME Years Ended December 31, 2022 2021 Income: (In Thousands) Dividends from bank subsidiary $ 13,228 $ 10,697 Expenses 743 627 12,485 10,070 Income tax benefit ( 219 ) ( 171 ) 12,704 10,241 Equity in undistributed earnings of subsidiary 16,529 14,674 Net Income $ 29,233 $ 24,915 Comprehensive Income $ ( 27,864 ) $ 19,540 STATEMENTS OF CASH FLOWS Years Ended December 31, 2022 2021 (In Thousands) CASH FLOWS FROM OPERATING ACTIVITIES Net income $ 29,233 $ 24,915 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of bank subsidiary ( 16,529 ) ( 14,674 ) Other, net 607 ( 129 ) Net Cash Provided by Operating Activities 13,311 10,112 CASH FLOWS FROM FINANCING ACTIVITIES Stock options exercised 657 394 Sale of treasury stock for ESOP 132 130 Acquisition of treasury stock ( 2,515 ) ( 1,440 ) Cash dividends paid ( 9,158 ) ( 8,539 ) Net Cash Used in Financing Activities ( 10,884 ) ( 9,455 ) Net Increase in Cash and Cash Equivalents 2,427 657 CASH AND CASH EQUIVALENTS - BEGINNING 1,511 854 CASH AND CASH EQUIVALENTS - ENDING $ 3,938 $ 1,511

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2022
Summary of Significant Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank, and the Bank’s wholly-owned subsidiaries, WCB Realty Corp., Norwood Investment Corp. and WTRO Properties. All significant intercompany accounts and transactions have been eliminated in consolidation.
Estimates	Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclosure of contingent assets and liabilities, at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of deferred tax assets, the determination of other-than-temporary impairment on securities, the determination of goodwill impairment and the fair value of financial instruments.
Significant Group Concentrations of Credit Risk and Concentrations of Credit Risk	Significant Group Concentrations of Credit Risk Most of the Company’s activities are with customers located within its markets in Northeastern Pennsylvania and the New York Counties of Delaware, Sullivan, Ontario, Otsego and Yates. Note 3 discusses the types of securities that the Company invests in. Note 4 discusses the types of lending that the Company engages in. The Company does not have any significant concentrations to any one industry or customer. Concentrations of Credit Risk The Bank operates primarily in Wayne, Pike, Lackawanna, Luzerne and Monroe Counties, Pennsylvania and Delaware, Sullivan, Ontario, Otsego and Yates Counties, New York. Accordingly, the Bank has extended credit primarily to commercial entities and individuals in these areas whose ability to honor their contracts is influenced by the region’s economy. These customers are also the primary depositors of the Bank. The Bank is limited in extending credit by legal lending limits to any single borrower or group of related borrowers.
Securities	Securities Securities classified as available for sale are those securities that the Company intends to hold for an indefinite period of time but not necessarily to maturity. Any decision to sell a security classified as available for sale would be based on various factors, including significant movement in interest rates, changes in maturity mix of the Company’s assets and liabilities, liquidity needs, regulatory capital considerations and other similar factors. Securities available for sale are carried at fair value. Unrealized gains and losses are reported in other comprehensive income, net of the related deferred tax effect. Realized gains or losses, determined on the basis of the cost of the specific securities sold, are included in earnings. Premiums and discounts are recognized in interest income using a method which approximates the interest method over the term of the security. Bonds, notes and debentures for which the Company has the positive intent and ability to hold to maturity are reported at cost, adjusted for premiums and discounts that are recognized in interest income using the interest method over the term of the security. Management determines the appropriate classification of debt securities at the time of purchase and re-evaluates such designation as of each Consolidated Balance Sheet date. Declines in the fair value of available for sale securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent of the Company to not sell the securities and it is more likely than not that it will not have to sell the securities before recovery of their cost basis.
Regulatory Stock	Regulatory Stock The Company, as a member of the Federal Home Loan Bank (FHLB) system is required to maintain an investment in capital stock of its district FHLB according to a predetermined formula. This regulatory stock has no quoted market value and is carried at cost. Management evaluates the regulatory stock for impairment. Management’s determination of whether these investments are impaired is based on their assessment of the ultimate recoverability of their cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of their cost is influenced by criteria such as (1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount for the FHLB and the length of time this situation has persisted, (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB, and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the FHLB. Management considers the FHLB’s regulatory capital ratios, liquidity, and the fact that new shares of FHLB stock continue to change hands at the $ 100 par value. Management believes no impairment charge is necessary related to FHLB stock as of December 31, 2022.
Loans Receivable	Loans Receivable Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees. Interest income is accrued on the unpaid principal balance. Loan origination fees are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan. The accrual of interest is generally discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in prior years is charged against the allowance for loan losses. Interest received on nonaccrual loans generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt.
Troubled Debt Restructurings	Troubled Debt Restructurings A loan is considered to be a troubled debt restructuring (TDR) loan when the Company grants a concession to the borrower because of the borrower’s financial condition that it would not otherwise consider. Such concessions include the reduction of interest rates, forgiveness of principal or interest, or other modifications of interest rates that are less than the current market rate for new obligations with similar risk.
Loans Acquired	Loans Acquired Loans acquired including loans that have evidence of deterioration of credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments receivable, are initially recorded at fair value (as determined by the present value of expected future cash flows) with no valuation allowance. Loans are evaluated individually to determine if there is evidence of deterioration of credit quality since origination. The difference between the undiscounted cash flows expected at acquisition and the investment in the loan, or the “accretable yield,” is recognized as interest income on a level-yield method over the life of the loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” are not recognized as a yield adjustment or as a loss accrual or a valuation allowance. Increases in expected cash flows subsequent to the initial investment are recognized prospectively through adjustment of the yield on the loan over its remaining estimated life. Decreases in expected cash flows are recognized immediately as impairment. Any valuation allowances on these impaired loans reflect only losses incurred after the acquisition. For purchased loans acquired that are not deemed impaired at acquisition, credit discounts representing the principal losses expected over the life of the loan are a component of the initial fair value. Loans may be aggregated and accounted for as a pool of loans if the loans being aggregated have common risk characteristics. Subsequent to the purchase date, the methods utilized to estimate the required allowance for credit losses for these loans is similar to originated loans; however, the Company records a provision for loan losses only when the required allowance exceeds any remaining credit discounts. The remaining differences between the purchase price and the unpaid principal balance at the date of acquisition are recorded in interest income over the life of the loans.
Mortgage Servicing Rights	Mortgage Servicing Rights Servicing assets are recognized as separate assets when rights are acquired through purchase or through the sale of financial assets. Capitalized servicing rights are reported in other assets and are amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing assets are evaluated for impairment based upon a third party appraisal. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Impairment is recognized through a valuation allowance to the extent that fair value is less than the capitalized amount. The Company’s loan servicing assets at December 31, 2022 and 2021, respectively, were no t impaired. Total servicing assets included in other assets as of December 31, 2022 and 2021, were $ 213,000 and $ 289,000 , respectively.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management’s periodic evaluation of the adequacy of the allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. The allowance consists of specific and general components. The specific component relates to loans that are classified as substandard. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential real estate loans for impairment disclosures, unless such loans were acquired with impairment or are the subject of a restructuring agreement.
Premises and Equipment	Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation expense is calculated principally on the straight-line method over the respective assets estimated useful lives as follows: Years Buildings and improvements 10 - 40 Furniture and equipment 3 - 10
Leases	Leases The Company applies a right-of-use (ROU) model that requires a lessee to record, for all leases with a lease term of more than 12 months, an asset representing its right to use the underlying asset and a liability to make lease payments. For leases with a term of 12 months or less, a practical expedient is available whereby a lessee may elect, by class of underlying asset, not to recognize an ROU asset or lease liability. At inception, lessees must classify all leases as either finance or operating based on five criteria. Balance sheet recognition of finance and operating leases is similar, but the pattern of expense recognition in the income statement, as well as the effect on the statement of cash flows, differs depending on the lease classification. See Note 8 for related disclosures.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets, including loan and loan participation sales, are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
Foreclosed Real Estate	Foreclosed Real Estate Real estate properties acquired through, or in lieu of, loan foreclosure are to be sold and are initially recorded at fair value less cost to sell at the date of foreclosure establishing a new cost basis. After foreclosure, valuations are periodically performed by management and the real estate is carried at the lower of its carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other expenses.
Bank Owned Life Insurance	Bank Owned Life Insurance The Company invests in bank owned life insurance (BOLI) as a source of funding for employee benefit expenses. BOLI involves the purchasing of life insurance by the Bank on a select group of employees. The Company is the owner and beneficiary of the policies. This life insurance investment is carried at the cash surrender value of the underlying policies. Income from the increase in cash surrender value of the policies or from death benefits realized is included in other income on the Consolidated Statements of Income.
Goodwill	Goodwill In connection with three acquisitions the Company recorded goodwill in the amount of $ 29.3 million, representing the excess of amounts paid over the fair value of net assets of the institutions acquired. Goodwill is tested and deemed impaired when the carrying value of goodwill exceeds its implied fair value. The value of the goodwill can change in the future. We expect the value of the goodwill to decrease if there is a significant decrease in the franchise value of the Bank. If an impairment loss is determined in the future, we will reflect the loss as an expense for the period in which the impairment is determined, leading to a reduction of our net income for that period by the amount of the impairment loss. No impairment was recognized for the years ended December 31, 2022 and 2021.
Other Intangible Assets	Other Intangible Assets At December 31, 2022, the Company had other intangible assets of $ 306,000 , which is net of accumulated amortization of $ 1,448,000 . These intangible assets will continue to be amortized using the sum-of-the-years digits method of amortization over ten years . At December 31, 2021, the Company had other intangible assets of $ 407,000 , which was net of accumulated amortization of $ 1,347,000 . Amortization expense related to other intangible assets was $ 101,000 and $ 123,000 for the years ended December 31, 2022 and 2021, respectively. As of December 31, 2022, the estimated future amortization expense for the core deposit intangible is as follows (in thousands): 2023 $ 85 2024 69 2025 54 2026 38 2027 26 Thereafter 34 $ 306
Income Taxes	Income Taxes Deferred income tax assets and liabilities are determined based on the differences between financial statement carrying amounts and the tax basis of existing assets and liabilities. These differences are measured at the enacted tax rates that will be in effect when these differences reverse. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of the deferred tax assets will not be realized. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. The Company and its subsidiary file a consolidated federal income tax return. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company analyzes each tax position taken in its tax returns and determines the likelihood that the position will be realized. Only tax positions that are “more-likely-than-not” to be realized can be recognized in an entity’s financial statements. For tax positions that do not meet this recognition threshold, an entity will record an unrecognized tax benefit for the difference between the position taken on the tax return and the amount recognized in the financial statements. The Company does no t have any unrecognized tax benefits at December 31, 2022 or 2021, or during the years then ended. No unrecognized tax benefits are expected to arise within the next twelve months.
Advertising Costs	Advertising Costs Advertising costs are expensed as incurred.
Earnings Per Share	Earnings per Share Basic earnings per share represents income available to common stockholders divided by the weighted average number of common shares outstanding during the period less any unvested restricted shares. Diluted earnings per share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method. Treasury shares are not deemed outstanding for earnings per share calculations.
Employee Benefit Plans	Employee Benefit Plans The Company has a defined contributory profit-sharing plan which includes provisions of a 401(k) plan. The Company’s contributions are expensed as the cost is incurred. The Company has several supplemental executive retirement plans. To fund the benefits under these plans, the Company is the owner of single premium life insurance policies on the participants. The Company provides pension benefits to eligible employees. The Company’s funding policy is to contribute at least the minimum required contributions annually.
Interest Rate Derivatives	Interest Rate Derivatives The Company is exposed to certain risk arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity, and credit risk primarily by managing the amount, sources, and duration of its assets and liabilities and the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company’s derivative financial instruments are used to manage differences in the amount, timing, and duration of the Company’s known or expected cash receipts and its known or expected cash payments.
Stock Option Plans	Stock Option Plans The Company recognizes the value of share-based payment transactions as compensation costs in the financial statements over the period that an employee provides service in exchange for the award. The fair value of the share-based payments for stock options is estimated using the Black-Scholes option-pricing model. The Company used the modified-prospective transition method to record compensation expense. Under the modified-prospective method, companies are required to record compensation cost for new and modified awards over the related vesting period of such awards and record compensation cost prospectively for the unvested portion, at the date of adoption, of previously issued and outstanding awards over the remaining vesting period of such awards. No change to prior periods presented is permitted under the modified-prospective method.
Restricted Stock	Restricted Stock The Company recognizes compensation cost related to restricted stock based on the market price of the stock at the grant date over the vesting period. The product of the number of shares granted and the grant date market price of the Company’s common stock determines the fair value of restricted stock under the Company’s 2014 Equity Incentive Plan. The Company recognizes compensation expense for the fair value of the restricted stock on a straight-line basis over the requisite service period for the entire award.
Cash Flow Information	Cash Flow Information For the purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing deposits with banks and federal funds sold.
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit, letters of credit and commitments to sell loans. Such financial instruments are recorded on the balance sheets when they become receivable or payable.
Trust Assets	Trust Assets Assets held by the Company in a fiduciary capacity for customers are not included in the financial statements since such items are not assets of the Company. Trust income is reported on the accrual method.
Treasury Stock	Treasury Stock Common shares repurchased are recorded as treasury stock at cost.
Comprehensive Income	Comprehensive Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and defined benefit pension obligations, are reported as a separate component of the equity section of the balance sheet. Such items, along with net income, are components of comprehensive income as presented in the Consolidated Statement of Comprehensive Income.
Revenue Recognition	Revenue Recognition Under ASC Topic 606, management determined that the primary sources of revenue emanating from interest and dividend income on loans and investments along with noninterest revenue resulting from investment securities gains, loans servicing, gains on loans sold and earnings on bank-owned life insurance are not within the scope of this Topic. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the year ended December 31: (dollars in thousands) 2022 2021 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 419 $ 398 ATM Fees 452 443 Overdraft Fees 1,155 1,029 Safe deposit box rental 93 100 Loan related service fees 849 1,238 Debit card 2,496 2,228 Fiduciary activities 845 748 Commissions on mutual funds & annuities 119 127 Gain on sales of other real estate owned 427 36 Other income 1,906 674 Noninterest Income (in-scope of Topic 606) 8,761 7,021 Out-of-scope of Topic 606: Net realized gains on sales of securities 3 92 Loan servicing fees 78 130 Gain on sales of loans 3 177 Earnings on and proceeds from bank-owned life insurance 1,087 941 Noninterest Income (out-of-scope of Topic 606) 1,171 1,340 Total Noninterest Income $ 9,932 $ 8,361
Segment Reporting	Segment Reporting The Company acts as an independent community financial services provider and offers traditional banking related financial services to individual, business and government customers. Through its Community Office and automated teller machine network, the Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of safe deposit services. The Company also performs personal, corporate, pension and fiduciary services through its Trust Department. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial, retail, mortgage banking and trust operations of the Company. As such, discrete information is not available and segment reporting would not be meaningful.
Reclassification of Comparative Amounts	Reclassification of Comparative Amounts Certain comparative amounts for the prior year have been reclassified to conform to current-year classifications. Such reclassifications had no material effect on net income or stockholders’ equity.
New Accounting Pronouncements Not Yet Adopted	New Accounting Pronouncements Not Yet Adopted In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments , which changes the impairment model for most financial assets. This standard, along with several other subsequent codification updates, replaces the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses that are expected to occur over the remaining life of a financial asset and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The amendments in this update require a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected. The new current expected credit losses model (“CECL”) will apply to the allowance for loan losses, available-for-sale and held-to-maturity debt securities, purchased financial assets with credit deterioration and certain off-balance sheet credit exposures. Management has completed its implementation plan, segmentation and testing, and model validation. The implementation plan included drafting of additional controls and policies to govern data uploads to its third-party vendor, balancing and reconciling, testing and auditing of inputs, and review and decision-making surrounding segmentation, methodologies, qualitative factor adjustments, and reasonable and supportable forecasts and reversion techniques. Parallel runs were processed during 2022 and the results were consistent with management's expectations. The implementation plan is currently going through the Company's control structure and internal control testing is being performed. As a result of adopting this standard, the Company expects the increase in its allowance effective January 1, 2023, to be in the range of $ 2.0 million to $ 2.5 million. In addition, the adoption of ASU No. 2016-13 will require the Company to gross up its previously purchased credit impaired loans through the allowance at January 1, 2023. As a result, the Company expects an increase in its allowance as of January 1, 2023, to be in the range of $ 2.2 million to $ 2.7 million. These estimates are subject to further refinements based on ongoing evaluations of our model, methodologies, and judgments, as well as prevailing economic conditions and forecasts as of the adoption date. The adoption of ASU 2016-13 is not expected to have a significant impact on our regulatory capital ratios. At adoption, the Company did not have any securities classified as HTM debt securities. No allowance was recorded related to AFS debt securities at the date of adoption, January 1, 2023. 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 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. In December 2022, the FASB issued ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 , which extends the sunset (or expiration) date of Accounting Standards Codification (ASC) Topic 848 to December 31, 2024. This gives reporting entities two additional years to apply the accounting relief provided under ASC Topic 848 for matters related to reference rate reform. ASU 2022-06 is effective for all reporting entities immediately upon issuance and must be applied on a prospective basis . This Update is not expected to have a significant 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. This Update is not expected to have a significant impact on the Company’s financial statements. In March 2022, the FASB issued ASU 2022-01 , Derivatives and Hedging (ASC 815): Fair Value Hedging - Portfolio Layer Method . ASC 815 currently permits only prepayable financial assets and one or more beneficial interests secured by a portfolio of prepayable financial instruments to be included in a last-of-layer closed portfolio. The amendments in this Update allow non-prepayable financial assets to also be included in a closed portfolio hedged using the portfolio layer method. That expanded scope permits an entity to apply the same portfolio hedging method to both prepayable and non-prepayable financial assets, thereby allowing consistent accounting for similar hedges. The guidance is effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2022. This Update is not expected to have a significant impact on the Company’s financial statements.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2022
Summary of Significant Accounting Policies [Abstract]
Schedule of Estimated Useful Lives	Years Buildings and improvements 10 - 40 Furniture and equipment 3 - 10
Schedule of Estimated Future Amortization Expense for the Core Deposit Intangible	2023 $ 85 2024 69 2025 54 2026 38 2027 26 Thereafter 34 $ 306
Noninterest Income	(dollars in thousands) 2022 2021 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 419 $ 398 ATM Fees 452 443 Overdraft Fees 1,155 1,029 Safe deposit box rental 93 100 Loan related service fees 849 1,238 Debit card 2,496 2,228 Fiduciary activities 845 748 Commissions on mutual funds & annuities 119 127 Gain on sales of other real estate owned 427 36 Other income 1,906 674 Noninterest Income (in-scope of Topic 606) 8,761 7,021 Out-of-scope of Topic 606: Net realized gains on sales of securities 3 92 Loan servicing fees 78 130 Gain on sales of loans 3 177 Earnings on and proceeds from bank-owned life insurance 1,087 941 Noninterest Income (out-of-scope of Topic 606) 1,171 1,340 Total Noninterest Income $ 9,932 $ 8,361

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2022
Securities [Abstract]
Schedule of Amortized Cost Gross Unrealized Gains and Losses, and Fair Values of Securities	December 31, 2022 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE FOR SALE: U.S. Treasury securities $ 45,066 $ — $ ( 3,212 ) $ 41,854 U.S. Government agencies 21,266 — ( 2,943 ) 18,323 States and political subdivisions 157,524 2 ( 29,674 ) 127,852 Mortgage-backed securities- government sponsored entities 268,400 — ( 37,502 ) 230,898 Total debt securities $ 492,256 $ 2 $ ( 73,331 ) $ 418,927 December 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE FOR SALE: U.S. Treasury securities $ 19,550 $ 6 $ ( 205 ) $ 19,351 U.S. Government agencies 16,251 24 ( 264 ) 16,011 States and political subdivisions 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	December 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 $ 25,733 $ ( 849 ) $ 16,121 $ ( 2,363 ) $ 41,854 $ ( 3,212 ) U.S. Government agencies 8,321 ( 885 ) 10,002 ( 2,058 ) 18,323 ( 2,943 ) States and political subdivisions 66,680 ( 11,194 ) 57,367 ( 18,480 ) 124,047 ( 29,674 ) Mortgage-backed securities-government sponsored entities 102,361 ( 10,639 ) 128,537 ( 26,863 ) 230,898 ( 37,502 ) $ 203,095 $ ( 23,567 ) $ 212,027 $ ( 49,764 ) $ 415,122 $ ( 73,331 ) 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	Amortized Fair Cost Value (In Thousands) Due in one year or less $ 5,883 $ 5,821 Due after one year through five years 43,272 40,981 Due after five years through ten years 54,146 44,419 Due after ten years 120,555 96,808 223,856 188,029 Mortgage-backed securities - government sponsored entities 268,400 230,898 $ 492,256 $ 418,927

Loans Receivable and Allowanc_2

Loans Receivable and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2022
Loans Receivable and Allowance for Loan Losses [Abstract]
Composition of the Loan Portfolio	December 31, 2022 December 31, 2021 Real Estate: Residential $ 298,813 20.3 % $ 273,040 20.1 % Commercial 651,544 44.2 628,724 46.4 Agricultural 68,915 4.7 61,925 4.6 Construction 32,469 2.2 21,990 1.6 Commercial loans 187,257 12.7 186,031 13.7 Other agricultural loans 35,277 2.4 37,930 2.8 Consumer loans to individuals 200,149 13.5 146,400 10.8 Total loans 1,474,424 100.0 % 1,356,040 100.0 % Deferred fees, net ( 479 ) ( 1,109 ) Total loans receivable 1,473,945 1,354,931 Allowance for loan losses ( 16,999 ) ( 16,442 ) Net loans receivable $ 1,456,946 $ 1,338,489
Changes in the Accretable Yield for Purchased Credit-impaired Loans	2022 2021 Balance at beginning of period $ 1,884 $ 1,365 Additions — — Accretion ( 710 ) ( 880 ) Reclassification and other 653 1,399 Balance at end of period $ 1,827 $ 1,884
Information Regarding Loans Acquired and Accounted for in Accordance With ASC 310-30	December 31, 2022 December 31, 2021 Outstanding Balance $ 8,368 $ 12,862 Carrying Amount $ 6,290 $ 8,304
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 (In thousands) December 31, 2022 Individually evaluated for impairment $ — $ 402 $ — $ — $ 61 $ — $ — $ 463 Loans acquired with deteriorated credit quality 567 2,049 2,034 — 1,640 — — 6,290 Collectively evaluated for impairment 298,246 649,093 66,881 32,469 185,556 35,277 200,149 1,467,671 Total Loans $ 298,813 $ 651,544 $ 68,915 $ 32,469 $ 187,257 $ 35,277 $ 200,149 $ 1,474,424 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 Principal Recorded Principal Associated Investment Balance Allowance December 31, 2022 (In thousands) With no related allowance recorded: Real Estate Loans Commercial $ 402 $ 402 $ — Commercial loans 11 11 — Subtotal 413 413 — With an allowance recorded: Commercial loans 50 50 50 Subtotal 50 50 50 Total: Real Estate Loans Commercial $ 402 $ 402 $ — Commercial loans 61 61 50 Total Impaired Loans $ 463 $ 463 $ 50 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 Residential — Commercial $ 1,658 $ 1,658 $ 272 Commercial loans 16 16 — Total Impaired Loans $ 1,674 $ 1,674 $ 272 The following information for impaired loans is presented for the years ended December 31, 2022 and 2021: Average Recorded Interest Income Investment Recognized 2022 2021 2022 2021 (In thousands) Total: Real Estate Loans Commercial $ 740 $ 2,358 $ 93 $ 157 Commercial loans 24 18 — 7 Total Loans $ 764 $ 2,376 $ 93 $ 164
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating	Special Pass Mention Substandard Doubtful Loss Total December 31, 2022 Commercial real estate loans $ 646,775 $ 1,079 $ 3,690 $ — $ — $ 651,544 Real estate - agricultural 66,444 368 2,103 — — 68,915 Commercial loans 186,966 184 107 — — 187,257 Other agricultural loans 34,071 556 650 — — 35,277 Total $ 934,256 $ 2,187 $ 6,550 $ — $ — $ 942,993 Special Pass Mention Substandard Doubtful 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. Nonperforming loans include loans that have been placed on nonaccrual status and loans remaining in accrual status on which the contractual payment of principal and interest has become 90 days past due. The following table presents the recorded investment in the loan classes based on payment activity as of December 31, 2022 and December 31, 2021 (in thousands): Performing Nonperforming Total December 31, 2022 Residential real estate loans $ 298,327 $ 486 $ 298,813 Construction 32,469 — 32,469 Consumer loans to individuals 199,985 164 200,149 Total $ 530,781 $ 650 $ 531,431 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 Non-Accrual Total Past Due and Non-Accrual Purchased Credit Impaired Loans Total Loans December 31, 2022 Real Estate loans Residential $ 297,350 $ 187 $ 223 $ — $ 486 $ 896 $ 567 $ 298,813 Commercial 648,688 405 — — 402 807 2,049 651,544 Agricultural 66,751 130 — — — 130 2,034 68,915 Construction 32,469 — — — — — - 32,469 Commercial loans 185,485 71 — — 61 132 1,640 187,257 Other agricultural loans 35,277 — — — — — — 35,277 Consumer loans 198,893 853 239 — 164 1,256 - 200,149 Total $ 1,464,913 $ 1,646 $ 462 $ — $ 1,113 $ 3,221 $ 6,290 $ 1,474,424 Current 31-60 Days Past Due 61-90 Days Past Due Greater than 90 Days Past Due and still accruing Non-Accrual Total Past Due and Non-Accrual Purchased Credit Impaired Loans 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	Current 31-60 Days Past Due 61-90 Days Past Due Greater than 90 Days Past Due and still accruing Non-Accrual Total Past Due and Non-Accrual Purchased Credit Impaired Loans 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 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 ( 172 ) ( 20 ) — — ( 16 ) — ( 457 ) ( 665 ) Recoveries 130 82 — — 46 — 64 322 Provision for loan losses 700 ( 2,647 ) 259 276 925 124 1,263 900 Ending balance, December 31, 2022 $ 2,833 $ 8,293 $ 259 $ 409 $ 2,445 $ 124 $ 2,636 $ 16,999 Ending balance individually evaluated for impairment $ — $ — $ — $ — $ 50 $ — $ — $ 50 Ending balance collectively evaluated for impairment $ 2,833 $ 8,293 $ 259 $ 409 $ 2,395 $ 124 $ 2,636 $ 16,949 (In thousands) Residential Real Estate Commercial Real Estate Construction Commercial Consumer Total Beginning balance, December 31, 2020 $ 1,960 $ 8,004 $ 150 $ 1,360 $ 1,676 $ 13,150 Charge Offs ( 17 ) ( 452 ) — ( 200 ) ( 480 ) ( 1,149 ) Recoveries 74 19 — 49 99 241 Provision for loan losses 158 3,307 ( 17 ) 281 471 4,200 Ending balance, December 31, 2021 $ 2,175 $ 10,878 $ 133 $ 1,490 $ 1,766 $ 16,442 Ending balance individually evaluated for impairment $ — $ 272 $ — $ — $ — $ 272 Ending balance collectively evaluated for impairment $ 2,175 $ 10,606 $ 133 $ 1,490 $ 1,766 $ 16,170

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2022
Premises and Equipment [Abstract]
Components of Premises and Equipment	Components of premises and equipment at December 31 are as follows: 2022 2021 (In Thousands) Land and improvements $ 3,864 $ 3,879 Buildings and improvements 23,444 21,846 Furniture and equipment 10,506 10,183 37,814 35,908 Accumulated depreciation ( 19,890 ) ( 18,619 ) $ 17,924 $ 17,289

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits:
Schedule of Maturities of Time Deposits	2023 $ 336,258 2024 96,823 2025 57,384 2026 8,632 2027 4,673 $ 503,770

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2022
Borrowings [Abstract]
Short-Term Borrowings	Short-term borrowings at December 31 consist of the following: 2022 2021 (In Thousands) Securities sold under agreements to repurchase $ 50,951 $ 60,822 Federal Home Loan Bank short-term borrowings 42,264 — $ 93,215 $ 60,822 The outstanding balances and related information of short-term borrowings are summarized as follows: Years Ended December 31, 2022 2021 (Dollars In Thousands) Average balance during the year $ 69,711 $ 73,810 Average interest rate during the year 0.75 % 0.39 % Maximum month-end balance during the year $ 93,215 $ 90,409 Weighted average interest rate at the end of the year 2.65 % 0.34 %
Collateral Pledged for Repurchase Agreements	As of December 31, 2022 Remaining Contractual Maturity of the Agreements Overnight and continuous Up to 30 days 30-90 days Greater than 90 days Total Repurchase Agreements: Mortgage-backed securities - government sponsored entities $ 54,562 $ — $ — $ — $ 54,562 Total liability recognized for repurchase agreements 50,951 As of December 31, 2021 Remaining Contractual Maturity of the Agreements Overnight and continuous Up to 30 days 30-90 days Greater than 90 days Total Repurchase Agreements: Mortgage-backed securities - government sponsored entities $ 65,162 $ — $ — $ — $ 65,162 Total liability recognized for repurchase agreements 60,822
Other Borrowings	2022 2021 (In Thousands) Amortizing fixed rate borrowing due March 2022 at 1.75 % $ — $ 227 Amortizing fixed rate borrowing due August 2022 at 1.94 % — 1,364 Amortizing fixed rate borrowing due October 2022 at 1.88 % — 1,386 Amortizing fixed rate borrowing due October 2023 at 3.24 % — 3,856 Amortizing fixed rate borrowing due December 2023 at 3.22 % — 2,097 Fixed rate term borrowing due December 2023 at 1.95 % — 10,000 Amortizing fixed rate borrowing due December 2023 at 1.73 % — 5,190 Amortizing fixed rate borrowing due April 2024 at 0.91 % — 5,878 Amortizing fixed rate borrowing due December 2023 at 5.08 % 40,000 — $ 40,000 $ 29,998
Contractual Maturities of Other Borrowings	2023 $ 40,000 $ 40,000

Operating Leases (Tables)

Operating Leases (Tables)	12 Months Ended
	Dec. 31, 2022
Operating Leases [Abstract]
Lease Cost	Operating Weighted-average remaining term 10.7 years Weighted-average discount rate 2.71 %
Undiscounted Cash Flows Due	Undiscounted cash flows due (in thousands) Operating 2023 $ 557 2024 544 2025 561 2026 504 2027 401 2028 and thereafter 2,414 Total undiscounted cash flows 4,981 Discount on cash flows ( 786 ) Total lease liabilities $ 4,195

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2022
Employee Benefit Plans [Abstract]
Schedule Of Projected Benefit Obligation And Changes In Plan Assets For The Defined Benefit Pension Plan	(in Thousands) 2022 2021 Change in projected benefit obligation: Projected benefit obligation at beginning of year $ ( 7,622 ) $ ( 8,065 ) Service cost — ( 51 ) Interest cost ( 216 ) ( 206 ) Actuarial (gain) loss 1,615 177 Benefits paid 476 523 Benefit obligation at end of year $ ( 5,747 ) $ ( 7,622 ) Change in plan assets: Fair value of plan assets at beginning of year $ 7,691 $ 7,744 Actual return on plan assets ( 1,933 ) 474 Benefits paid ( 553 ) ( 527 ) Fair value of assets at end of year 5,205 7,691 Funded status at end of year $ ( 542 ) $ 69
Schedule of Amounts Recognized in Accumulated Other Comprehensive Income	2022 2021 Transition asset $ — $ — Prior service credit — — (Loss) gain ( 784 ) 220 Total $ ( 784 ) $ 220
Components Of Net Pension Cost (Income)	2022 2021 Service cost benefits earned during the period $ — $ 51 Interest cost on projected benefit obligation 216 206 Actual return on assets ( 336 ) ( 394 ) Net amortization and deferral ( 53 ) ( 34 ) Net periodic pension cost (income) $ ( 173 ) $ ( 171 )
Schedule of Weighted Average Assumptions Used to Determine the Benefit Obligation and the Net Periodic Cost	The weighted average assumptions used to determine the benefit obligation at December 31 are as follows: 2022 2021 Discount rate 5.44 % 2.93 % The weighted average assumptions used to determine the net periodic pension cost at December 31 are as follows: 2022 2021 Discount rate 5.44 % 2.63 % Expected long-term return on plan assets 6.00 % 5.25 % Rate of compensation increase — % — %
Schedule Of Target Asset Allocations	2022 2021 Cash equivalents 16.6 % — % Equity securities 25.1 % 35.7 % Fixed income securities 21.7 % 35.0 % Other 36.6 % 29.3 % 100.0 % 100.0 %

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Schedule of Components of the Provision for Federal Income Taxes	Years Ended December 31, 2022 2021 (In Thousands) Current $ 6,733 $ 6,328 Deferred 419 ( 383 ) $ 7,152 $ 5,945
Schedule of Effective Income Tax Rate Reconciliation	Percentage of Income before Income Taxes Years Ended December 31, 2022 2021 Tax at statutory rates 21.0 % 21.0 % Tax exempt interest income, net of interest expense disallowance ( 1.6 ) ( 1.9 ) Non-deductible merger related expenses — — Earnings and proceeds on life insurance ( 0.6 ) ( 0.6 ) Other 0.9 0.8 19.7 % 19.3 %
Schedule of Deferred Tax Assets and Liabilities	2022 2021 (In Thousands) Deferred tax assets: Allowance for loan losses $ 3,985 $ 3,855 Deferred compensation 834 817 Core deposit intangible 204 231 Pension liability 267 302 Foreclosed real estate valuation allowance 19 19 Net operating loss carryforward 829 913 Purchase price adjustment 1,779 2,487 Net unrealized loss on securities 15,399 386 Other 2,838 1,228 Total Deferred Tax Assets 26,154 10,238 Deferred tax liabilities: Premises and equipment 1,085 1,004 Deferred loan fees 1,366 125 Net unrealized gain on pension liability 154 318 Total Deferred Tax Liabilities 2,605 1,447 Net Deferred Tax Asset $ 23,549 $ 8,791

Regulatory Matters and Stockh_2

Regulatory Matters and Stockholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2022
Regulatory Matters and Stockholders' Equity [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	To be Well Capitalized under Prompt For Capital Adequacy Corrective Action Actual Purposes Provision Amount Ratio Amount Ratio Amount Ratio (Dollars in Thousands) As of December 31, 2022: Total capital (to risk-weighted assets) $ 211,055 13.58 % ≥$ 124,303 ≥ 8.00 % ≥$ 155,379 ≥ 10.00 % Tier 1 capital (to risk-weighted assets) 194,124 12.49 ≥$ 93,228 ≥ 6.00 ≥$ 124,303 ≥ 8.00 Common Equity Tier 1 capital (to risk-weighted assets) 194,124 12.49 ≥$ 69,921 ≥ 4.50 ≥$ 100,997 ≥ 6.50 Tier 1 capital (to average assets) 194,124 9.36 ≥$ 82,934 ≥ 4.00 ≥$ 103,668 ≥ 5.00 As of December 31, 2021: Total capital (to risk-weighted assets) $ 191,469 13.66 % ≥$ 112,117 ≥ 8.00 % ≥$ 140,146 ≥ 10.00 % Tier 1 capital (to risk-weighted assets) 175,027 12.49 ≥ 84,087 ≥ 6.00 ≥ 112,117 ≥ 8.00 Common Equity Tier 1 capital (to risk-weighted assets) 175,027 12.49 ≥ 63,066 ≥ 4.50 ≥ 91,095 ≥ 6.50 Tier 1 capital (to average assets) 175,027 8.51 ≥ 82,243 ≥ 4.00 ≥ 102,804 ≥ 5.00

Stock Based Compensation (Table

Stock Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2022
Stock Based Compensation [Abstract]
Summary of Stock Option Activity	2022 2021 Weighted Weighted Average Average Average Average Exercise Intrinsic Exercise Intrinsic Options Price Value Options Price Value Outstanding, beginning of year 226,075 $ 26.37 215,970 $ 25.73 Granted 38,000 33.53 43,500 25.80 Exercised ( 34,425 ) 19.08 ( 22,420 ) 17.59 Forfeited ( 10,675 ) 27.56 ( 10,975 ) 29.48 Outstanding, end of year 218,975 $ 26.70 $ 1,100 226,075 $ 26.37 $ 520 Exercisable, end of year 180,975 $ 27.68 $ 1,100 182,575 $ 26.50 $ 511
Schedule of Fair Value Assumptions	Years Ended December 31, 2022 2021 Dividend yield 3.57 % 3.55 % Expected life 10 years 10 years Expected volatility 35.01 % 34.69 % Risk-free interest rate 3.87 % 1.51 % Weighted average fair value of options granted $ 10.06 $ 6.49
Schedule of Outstanding Stock Options	Average Average Options Exercise Remaining Options Exercise Outstanding Price Life, Years Exercisable Price 11,125 $ 17.93 1.0 11,125 $ 17.93 8,250 19.39 1.9 8,250 19.39 9,375 19.03 2.9 9,375 19.03 12,125 22.37 4.0 12,125 22.37 25,250 32.81 5.0 25,250 32.81 22,100 32.34 6.0 22,100 32.34 22,500 36.02 7.0 22,500 36.02 30,750 26.93 8.0 30,750 26.93 1,000 26.35 8.3 1,000 26.35 1,000 25.38 8.5 1,000 25.38 37,500 25.80 9.0 37,500 25.80 38,000 33.53 10.0 — — Total 218,975 180,975
Summary of Restricted Stock Activity	2022 2021 Weighted-Average Weighted-Average Number of Grant Date Number of Grant Date Shares Fair Value Shares Fair Value Non-vested, beginning of year 32,030 $ 26.76 39,135 $ 30.72 Granted 23,000 30.25 8,000 25.80 Vested ( 10,570 ) 30.89 ( 11,205 ) 32.15 Forfeited — — ( 3,900 ) 31.72 Non-vested at December 31 44,460 $ 30.12 32,030 $ 26.76

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Computations of Basic and Diluted Earnings Per Share	Years Ended December 31, 2022 2021 (In Thousands, Except Per Share Data) Numerator, net income $ 29,233 $ 24,915 Denominator: Weighted average shares outstanding 8,174 8,213 Less: Weighted average unvested restricted shares ( 37 ) ( 35 ) Denominator: Basic earnings per share 8,137 8,178 Weighted average shares outstanding, basic 8,137 8,178 Add: Dilutive effect of stock options and restricted stock 40 21 Denominator: Diluted earnings per share 8,177 8,199 Basic earnings per common share $ 3.59 $ 3.05 Diluted earnings per common share $ 3.58 $ 3.04

Off-Balance Sheet Financial I_2

Off-Balance Sheet Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2022
Off-Balance Sheet Financial Instruments and Guarantees [Abstract]
Schedule of Fair Value, Off-balance Sheet Risks	December 31, 2022 2021 (In Thousands) Commitments to grant loans $ 90,379 $ 78,996 Unfunded commitments under lines of credit 149,883 156,899 Standby letters of credit 15,052 8,462 $ 255,314 $ 244,357

Interest Rate Swaps (Tables)

Interest Rate Swaps (Tables)	12 Months Ended
	Dec. 31, 2022
Interest Rate Swaps [Abstract]
Summary of Derivatives	(Amounts in thousands) Notional Amount, December 31, Fair Value December 31, 2022 2021 Interest Rate Paid Interest Rate Received 2022 2021 Customer interest rate swap Maturing November, 2030 $ 6,513 $ 6,873 Term SOFR + Margin Fixed $ 889 $ 144 Maturing December, 2030 4,297 4,553 Term SOFR + Margin Fixed 575 91 Total $ 10,810 $ 11,426 $ 1,464 $ 235 Third party interest rate swap Maturing November, 2030 $ 6,513 $ 6,873 Fixed Term SOFR + Margin $ 889 $ 144 Maturing December, 2030 4,297 4,553 Fixed Term SOFR + Margin 575 91 Total $ 10,810 $ 11,426 $ 1,464 $ 235
Fair Value of Derivative Instruments	(Amounts in thousands) Assets Liabilities Balance Sheet Location Fair Value Balance Sheet Location Fair Value December 31, 2022 Interest rate derivatives Other assets $ 1,464 Other liabilities $ 1,464 December 31, 2021 Interest rate derivatives Other assets 235 Other liabilities 235

Fair Values of Financial Inst_2

Fair Values of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Values of Financial Instruments [Abstract]
Fair Value, Assets Measured on Recurring Basis	Fair Value Measurement Reporting Date using Description Total Level 1 Level 2 Level 3 December 31, 2022 ASSETS U.S. Treasury securities $ 41,854 $ — $ 41,854 $ — U.S. Government agencies 18,323 — 18,323 — States and political subdivisions 127,852 — 127,852 — Mortgage-backed securities-government sponsored entities 230,898 — 230,898 — Interest rate derivatives 1,464 — 1,464 — LIABILITIES Interest rate derivatives 1,464 — 1,464 — December 31, 2021 ASSETS U.S. Treasury securities $ 19,351 $ — $ 19,351 $ — U.S. Government agencies 16,011 — 16,011 — States and political subdivisions 145,867 — 145,867 — Mortgage-backed securities-government sponsored entities 225,553 — 225,553 — Interest rate derivatives 235 — 235 — 235 — 235 LIABILITIES Interest rate derivatives 235 — 235 —
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	Fair Value Measurement Reporting Date using Description Total Level 1 Level 2 Level 3 December 31, 2022 Impaired Loans $ 413 $ — $ — $ 413 Foreclosed real estate 346 — — 346 December 31, 2021 Impaired Loans $ 1,402 $ — $ — $ 1,402 Foreclosed real estate 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) December 31, 2022 Impaired loans $ 413 Appraisal of collateral(1) Appraisal adjustments(2) 0 %- 10.0 % ( 8.92 %) Foreclosed real estate owned $ 346 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 December 31, 2022 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents (1) $ 31,866 $ 31,866 $ 31,866 $ — $ — Loans receivable, net 1,456,946 1,418,300 — — 1,418,300 Mortgage servicing rights 213 498 — — 498 Regulatory stock (1) 5,418 5,418 5,418 — — Bank owned life insurance (1) 43,364 43,364 43,364 — — Accrued interest receivable (1) 6,917 6,917 6,917 — — Financial liabilities: Deposits 1,727,727 1,727,184 1,223,958 — 503,226 Short-term borrowings (1) 93,215 93,215 93,215 — — Other borrowings 40,000 40,074 — — 40,074 Accrued interest payable (1) 2,653 2,653 2,653 — — Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit — — — — — Fair Value Measurements at December 31, 2021 Carrying Fair Amount 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.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Income [Abstract]
Summary of Changes In Accumulated Other Comprehensive Income (Loss)	Unrealized gains on available for sale securities (a) Unrealized gain on pension liability (a) Total (a) Balance as of December 31, 2021 $ ( 1,453 ) $ 1,197 $ ( 256 ) Other comprehensive income (loss) before reclassification ( 56,476 ) ( 619 ) ( 57,095 ) Amount reclassified from accumulated other comprehensive loss ( 2 ) — ( 2 ) Total other comprehensive income ( 56,478 ) ( 619 ) ( 57,097 ) Balance as of December 31, 2022 $ ( 57,931 ) $ 578 $ ( 57,353 ) Unrealized gains on available for sale securities (a) Unrealized gain on pension liability (a) Balance as of December 31, 2020 $ 4,096 $ 1,023 $ 5,119 Other comprehensive income (loss) before reclassification ( 5,476 ) 174 ( 5,302 ) Amount reclassified from accumulated other comprehensive loss ( 73 ) — ( 73 ) Total other comprehensive ( 5,549 ) 174 ( 5,375 ) Balance as of December 31, 2021 $ ( 1,453 ) $ 1,197 $ ( 256 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits.
Significant Amounts Reclassified Out of Each Component of Accumulated Other Comprehensive Income (Loss)	Amount Reclassified From Accumulated Affected Line Item in Other Consolidated Comprehensive Statements of Details about other comprehensive income Income (a) Income Twelve months Twelve months ended ended December 31, December 31, 2022 2021 Unrealized gains on available for sale securities $ 3 $ 92 Net realized gains on sales of securities ( 1 ) ( 19 ) Income tax expense $ 2 $ 73 (a) Amounts in parentheses indicate debits to net income.

Norwood Financial Corp (Paren_2

Norwood Financial Corp (Parent Company Only) Financial Information (Tables) - Parent Company [Member]	12 Months Ended
	Dec. 31, 2022
Condensed Financial Statements, Captions [Line Items]
Parent Company Only – Balance Sheets	BALANCE SHEETS December 31, 2022 2021 (In Thousands) ASSETS Cash on deposit in bank subsidiary $ 3,938 $ 1,511 Investment in bank subsidiary 164,248 204,547 Other assets 2,365 2,472 Total assets $ 170,551 $ 208,530 LIABILITIES AND STOCKHOLDERS’ EQUITY Liabilities $ 3,466 $ 3,268 Stockholders’ equity 167,085 205,262 Total liabilities and stockholders' equity $ 170,551 $ 208,530
Parent Company Only – Statements of Income	STATEMENTS OF INCOME Years Ended December 31, 2022 2021 Income: (In Thousands) Dividends from bank subsidiary $ 13,228 $ 10,697 Expenses 743 627 12,485 10,070 Income tax benefit ( 219 ) ( 171 ) 12,704 10,241 Equity in undistributed earnings of subsidiary 16,529 14,674 Net Income $ 29,233 $ 24,915 Comprehensive Income $ ( 27,864 ) $ 19,540
Parent Company Only – Statements of Cash Flows	STATEMENTS OF CASH FLOWS Years Ended December 31, 2022 2021 (In Thousands) CASH FLOWS FROM OPERATING ACTIVITIES Net income $ 29,233 $ 24,915 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of bank subsidiary ( 16,529 ) ( 14,674 ) Other, net 607 ( 129 ) Net Cash Provided by Operating Activities 13,311 10,112 CASH FLOWS FROM FINANCING ACTIVITIES Stock options exercised 657 394 Sale of treasury stock for ESOP 132 130 Acquisition of treasury stock ( 2,515 ) ( 1,440 ) Cash dividends paid ( 9,158 ) ( 8,539 ) Net Cash Used in Financing Activities ( 10,884 ) ( 9,455 ) Net Increase in Cash and Cash Equivalents 2,427 657 CASH AND CASH EQUIVALENTS - BEGINNING 1,511 854 CASH AND CASH EQUIVALENTS - ENDING $ 3,938 $ 1,511

Summary of Significant Accoun_4

Summary of Significant Accounting Policies (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) item $ / shares	Dec. 31, 2021 USD ($)	Jan. 01, 2023 USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Regulatory Stock, Par Value | $ / shares	$ 100
Impairment of investments	$ 0
Loan servicing assets, impairment	0	$ 0
Servicing Assets	$ 213,000	289,000
Number of acquisitions | item	3
Goodwill	$ 29,266,000	29,266,000
Goodwill, Impairment Loss	0	0
Intangible Assets, Net (Excluding Goodwill)	306,000	407,000
Finite-Lived Intangible Assets, Accumulated Amortization	$ 1,448,000	1,347,000
Finite-Lived Intangible Asset, Useful Life	10 years
Amortization of Intangibles	$ 101,000	123,000
Unrecognized Tax Benefits	0	$ 0
Unrecognized tax benefits expected within next twelve months	0
Minimum [Member] | Accounting Standards Update 2016-13 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans acquired with deteriorated credit quality	2,000,000		$ 2,200,000
Maximum [Member] | Accounting Standards Update 2016-13 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Loans acquired with deteriorated credit quality	$ 2,500,000		$ 2,700,000

Summary of Significant Accoun_5

Summary of Significant Accounting Policies (Schedule of Estimated Useful Lives ) (Details)	12 Months Ended
	Dec. 31, 2022
Minimum [Member] | Buildings and improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	10 years
Minimum [Member] | Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Maximum [Member] | Buildings and improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	40 years
Maximum [Member] | Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	10 years

Summary of Significant Accoun_6

Summary of Significant Accounting Policies (Schedule of Estimated Future Amortization Expense for the Core Deposit Intangible) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Summary of Significant Accounting Policies [Abstract]
2023	$ 85
2024	69
2025	54
2026	38
2027	26
Thereafter	34
Amortization Expense for the Core Deposit Intangible, Total	$ 306

Summary of Significant Accoun_7

Summary of Significant Accounting Policies (Revenue) (Details) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Noninterest Income (in scope of Topic 606)	$ 8,761	$ 7,021
Net realized gains on sales of securities	3	92
Loan servicing fees	78	130
Gain on sales of loans	3	177
Earnings on and proceeds from bank-owned life insurance	1,087	941
Noninterest Income (out-of-scope of Topic 606)	1,171	1,340
Total Other Income	9,932	8,361
Service Charges On Deposit Accounts [Member]
Noninterest Income (in scope of Topic 606)	419	398
ATM Fees [Member]
Noninterest Income (in scope of Topic 606)	452	443
Overdraft Fees [Member]
Noninterest Income (in scope of Topic 606)	1,155	1,029
Safe Deposit Box Rental [Member]
Noninterest Income (in scope of Topic 606)	93	100
Loan Related Service Fees [Member]
Noninterest Income (in scope of Topic 606)	849	1,238
Debit Card [Member]
Noninterest Income (in scope of Topic 606)	2,496	2,228
Fiduciary Activities [Member]
Noninterest Income (in scope of Topic 606)	845	748
Commissions On Mutual Funds And Annuities [Member]
Noninterest Income (in scope of Topic 606)	119	127
Gains On Sales Of Other Real Estate Owned [Member]
Noninterest Income (in scope of Topic 606)	427	36
Other Income [Member]
Noninterest Income (in scope of Topic 606)	$ 1,906	$ 674

Securities (Narrative) (Details

Securities (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($)
Securities [Abstract]
Debt securities in unrealized loss position in the less than twelve months category | security	203
Debt securities in unrealized loss position in the twelve months or more category | security	140
Impairment of investments	$ 0
Available-for-sale Securities Pledged as Collateral	378,472,000	$ 339,769,000
Proceeds from sales	5,113,000	11,366,000
Gross realized losses	11,000	0
Available-for-sale Securities, Gross Realized Gain (Loss)	$ 14,000	$ 92,000

Securities (Schedule of Amortiz

Securities (Schedule of Amortized Cost Gross Unrealized Gains and Losses, and Fair Values of Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	$ 492,256
Available for Sale, Fair Value	418,927	$ 406,782
Debt Securities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	492,256	408,620
Available for Sale, Gross Unrealized Gains	2	2,951
Available for Sale, Gross Unrealized Losses	(73,331)	(4,789)
Available for Sale, Fair Value	418,927	406,782
U.S. Treasury Securities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	45,066	19,550
Available for Sale, Gross Unrealized Gains		6
Available for Sale, Gross Unrealized Losses	(3,212)	(205)
Available for Sale, Fair Value	41,854	19,351
U.S. Government Agencies [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	21,266	16,251
Available for Sale, Gross Unrealized Gains		24
Available for Sale, Gross Unrealized Losses	(2,943)	(264)
Available for Sale, Fair Value	18,323	16,011
States And Political Subdivisions [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	157,524	145,107
Available for Sale, Gross Unrealized Gains	2	2,155
Available for Sale, Gross Unrealized Losses	(29,674)	(1,395)
Available for Sale, Fair Value	127,852	145,867
Mortgage-backed Securities-Government Sponsored Entities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost, Total	268,400	227,712
Available for Sale, Gross Unrealized Gains		766
Available for Sale, Gross Unrealized Losses	(37,502)	(2,925)
Available for Sale, Fair Value	$ 230,898	$ 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	Dec. 31, 2022	Dec. 31, 2021
Debt Securities [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	$ 203,095	$ 271,578
Less than 12 Months, Unrealized Losses	(23,567)	(4,565)
12 Months or More, Fair Value	212,027	6,762
12 Months or More, Unrealized Losses	(49,764)	(224)
Total, Fair Value	415,122	278,340
Total, Unrealized Losses	(73,331)	(4,789)
U.S. Treasury Securities [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	25,733	18,361
Less than 12 Months, Unrealized Losses	(849)	(205)
12 Months or More, Fair Value	16,121
12 Months or More, Unrealized Losses	(2,363)
Total, Fair Value	41,854	18,361
Total, Unrealized Losses	(3,212)	(205)
U.S. Government Agencies [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	8,321	7,912
Less than 12 Months, Unrealized Losses	(885)	(109)
12 Months or More, Fair Value	10,002	3,843
12 Months or More, Unrealized Losses	(2,058)	(155)
Total, Fair Value	18,323	11,755
Total, Unrealized Losses	(2,943)	(264)
States And Political Subdivisions [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	66,680	74,658
Less than 12 Months, Unrealized Losses	(11,194)	(1,395)
12 Months or More, Fair Value	57,367
12 Months or More, Unrealized Losses	(18,480)
Total, Fair Value	124,047	74,658
Total, Unrealized Losses	(29,674)	(1,395)
Mortgage-backed Securities-Government Sponsored Entities [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	102,361	170,647
Less than 12 Months, Unrealized Losses	(10,639)	(2,856)
12 Months or More, Fair Value	128,537	2,919
12 Months or More, Unrealized Losses	(26,863)	(69)
Total, Fair Value	230,898	173,566
Total, Unrealized Losses	$ (37,502)	$ (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	Dec. 31, 2022	Dec. 31, 2021
Securities [Abstract]
Available for Sale, Amortized Cost, Due in one year or less	$ 5,883
Available for Sale, Amortized Cost, Due after one year through five years	43,272
Available for Sale, Amortized Cost, Due after five years through ten years	54,146
Available for Sale, Amortized Cost, Due after ten years	120,555
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis, Total	223,856
Available for Sale, Amortized Cost, Mortgage-backed securities-government sponsored entities	268,400
Available for Sale, Amortized Cost, Total	492,256
Available for Sale, Fair Value, Due in one year or less	5,821
Available for Sale, Fair Value, Due after one year through five years	40,981
Available for Sale, Fair Value, Due after five years through ten years	44,419
Available for Sale, Fair Value, Due after ten years	96,808
Available-for-sale Securities, Debt Maturities, Single Maturity Date, Total	188,029
Available for Sale, Fair Value, Mortgage-backed securities-government sponsored entities	230,898
Available for Sale, Fair Value, Total	$ 418,927	$ 406,782

Loans Receivable and Allowanc_3

Loans Receivable and Allowance for Loan Losses (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment	$ 0
Financing Receivable, Modifications, Post-Modification Recorded Investment	0
Financing Receivable, Troubled Debt Restructuring	0
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	0
Loans acquired with credit deterioration	15,410,000
Real Estate Acquired Through Foreclosure	$ 346,000	$ 1,742,000
Number Of Properties Under Foreclosure Proceedings | loan	4
Annual Loan Review threshold, amount	$ 1,500,000
Loans and Leases Receivable, Gross	1,474,424,000	1,356,040,000
Proceeds from Sale of Mortgage Loans Held-for-sale	845,000	8,616,000
Allowance for Loan and Lease Losses, Adjustments, Other	2,400,000	1,500,000
Allowance for Loan and Lease Losses, Period Increase (Decrease)	557,000	3,292,000
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	182,000	35,000
Allowance for Loan and Lease Losses, Real Estate	16,999,000	16,442,000	$ 13,150,000
Servicing Asset at Amortized Cost	60,000,000	65,400,000
Outstanding Balance	8,368,000	12,862,000
Hospitality Lodging Industry [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	0	0
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage Loans in Process of Foreclosure, Amount	223,000
Loans and Leases Receivable, Gross	298,813,000	273,040,000
Proceeds from Sale of Mortgage Loans Held-for-sale	848,000	8,793,000
Gross Realized Gains on Loans	3,000	177,000
Gross Realized Losses on Loans	0	0
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	$ 113,000,000
Concentration Risk, Percentage	7.70%
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number Of Properties Under Foreclosure Proceedings | loan	1
Loans and Leases Receivable, Gross	$ 651,544,000	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	$ 141,900,000
Concentration Risk, Percentage	9.60%
PPP Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	$ 121,000	15,209,000
Fee income	0	2,900,000
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
COVID [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan and Lease Losses, Period Increase (Decrease)	445,000	$ 1,400,000
Economic Conditions [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for Loan and Lease Losses, Period Increase (Decrease)	$ 2,300,000

Loans Receivable and Allowanc_4

Loans Receivable and Allowance for Loan Losses (Composition of the Loan Portfolio) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 1,474,424	$ 1,356,040
Deferred fees, net	(479)	(1,109)
Total loans receivable	1,473,945	1,354,931
Allowance for loan losses	(16,999)	(16,442)	$ (13,150)
Loans receivable (net of allowance for loan losses 2022: $16,999; 2021: $16,442)	$ 1,456,946	$ 1,338,489
Percent of Loans	100%	100%
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 298,813	$ 273,040
Allowance for loan losses	$ (2,833)	$ (2,175)	(1,960)
Percent of Loans	20.30%	20.10%
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 651,544	$ 628,724
Allowance for loan losses	$ (8,293)	$ (10,878)	(8,004)
Percent of Loans	44.20%	46.40%
Agricultural Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 68,915	$ 61,925
Percent of Loans	4.70%	4.60%
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 32,469	$ 21,990
Allowance for loan losses	$ (409)	$ (133)	(150)
Percent of Loans	2.20%	1.60%
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 187,257	$ 186,031
Allowance for loan losses	$ (2,445)	$ (1,490)	(1,360)
Percent of Loans	12.70%	13.70%
Other Agricultural Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 35,277	$ 37,930
Percent of Loans	2.40%	2.80%
Consumer Loans To Individuals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 200,149	$ 146,400
Allowance for loan losses	$ (2,636)	$ (1,766)	$ (1,676)
Percent of Loans	13.50%	10.80%

Loans Receivable and Allowanc_5

Loans Receivable and Allowance for Loan Losses (Changes in the Accretable Yield for Purchased Credit Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Loans Receivable and Allowance for Loan Losses [Abstract]
Balance at beginning of period	$ 1,884	$ 1,365
Additions
Accretion	(710)	(880)
Reclassification and other	653	1,399
Balance at end of period	$ 1,827	$ 1,884

Loans Receivable and Allowanc_6

Loans Receivable and Allowance for Loan Losses (Information Regarding Loans Acquired and Accounted for in Accordance with ASC 310-30) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loans Receivable and Allowance for Loan Losses [Abstract]
Outstanding Balance	$ 8,368	$ 12,862
Carrying Amount	$ 6,290	$ 8,304

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, 2020 USD ($)
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	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 463	$ 1,674
Loans acquired with deteriorated credit quality	6,290	8,304
Collectively evaluated for impairment	1,467,671	1,346,062
Total Loans	1,474,424	1,356,040
Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	6,290	8,304
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired with deteriorated credit quality	567	784
Collectively evaluated for impairment	298,246	272,256
Total Loans	298,813	273,040
Residential Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	567	784
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	402	1,658
Loans acquired with deteriorated credit quality	2,049	3,285
Collectively evaluated for impairment	649,093	623,781
Total Loans	651,544	628,724
Commercial Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	2,049	3,285
Agricultural Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired with deteriorated credit quality	2,034	1,918
Collectively evaluated for impairment	66,881	60,007
Total Loans	68,915	61,925
Agricultural Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	2,034	1,918
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment	32,469	21,990
Total Loans	32,469	21,990
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	61	16
Loans acquired with deteriorated credit quality	1,640	198
Collectively evaluated for impairment	185,556	185,817
Total Loans	187,257	186,031
Commercial [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	1,640	198
Other Agricultural Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired with deteriorated credit quality		2,119
Collectively evaluated for impairment	35,277	35,811
Total Loans	35,277	37,930
Other Agricultural Loans [Member] | Purchased Credit-Impaired [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		2,119
Consumer Loans To Individuals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Collectively evaluated for impairment	200,149	146,400
Total Loans	$ 200,149	$ 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	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, Total	$ 764	$ 2,376
Interest Income Recognized, Total	93	164
Impaired Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	413	157
Impaired Financing Receivable, with Related Allowance, Recorded Investment	50	1,517
Impaired Financing Receivable, Recorded Investment	463	1,674
Unpaid Principal Balance, With no related allowance recorded	413	157
Unpaid Principal Balance, With an allowance recorded	50	1,517
Unpaid Principal Balance, Total	463	1,674
Associated Allowance	50	272
Commercial Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, Total	740	2,358
Interest Income Recognized, Total	93	157
Commercial Real Estate Loans [Member] | Impaired Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	402	141
Impaired Financing Receivable, with Related Allowance, Recorded Investment		1,517
Impaired Financing Receivable, Recorded Investment	402	1,658
Unpaid Principal Balance, With no related allowance recorded	402	141
Unpaid Principal Balance, With an allowance recorded		1,517
Unpaid Principal Balance, Total	402	1,658
Associated Allowance		272
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, Total	24	18
Interest Income Recognized, Total		7
Commercial [Member] | Impaired Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	11	16
Impaired Financing Receivable, with Related Allowance, Recorded Investment	50
Impaired Financing Receivable, Recorded Investment	61	16
Unpaid Principal Balance, With no related allowance recorded	11	16
Unpaid Principal Balance, With an allowance recorded	50
Unpaid Principal Balance, Total	61	$ 16
Associated Allowance	$ 50

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	Dec. 31, 2022	Dec. 31, 2021
Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	$ 530,781	$ 440,906
Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	650	524
Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	942,993	914,610
Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	934,256	900,036
Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	2,187	5,555
Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	6,550	8,747
Doubtful Or Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		0
Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		272
Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	531,431	441,430
Commercial Real Estate Loans [Member] | Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	651,544	628,724
Commercial Real Estate Loans [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	646,775	618,541
Commercial Real Estate Loans [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	1,079	5,146
Commercial Real Estate Loans [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	3,690	4,765
Commercial Real Estate Loans [Member] | Doubtful Or Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		0
Commercial Real Estate Loans [Member] | Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		272
Agricultural Real Estate Loans [Member] | Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	68,915	61,925
Agricultural Real Estate Loans [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	66,444	60,193
Agricultural Real Estate Loans [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	368
Agricultural Real Estate Loans [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	2,103	1,732
Commercial [Member] | Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	187,257	186,031
Commercial [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	186,966	185,729
Commercial [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	184	199
Commercial [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	107	103
Commercial [Member] | Doubtful Or Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		0
Commercial [Member] | Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount		0
Other Agricultural Loans [Member] | Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	35,277	37,930
Other Agricultural Loans [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	34,071	35,573
Other Agricultural Loans [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	556	210
Other Agricultural Loans [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	650	2,147
Other Agricultural Loans [Member] | Doubtful Or Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount
Other Agricultural Loans [Member] | Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount
Residential Real Estate Loans [Member] | Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	298,327	272,571
Residential Real Estate Loans [Member] | Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	486	469
Residential Real Estate Loans [Member] | Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	298,813	273,040
Construction Real Estate Loans [Member] | Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	32,469	21,990
Construction Real Estate Loans [Member] | Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount
Construction Real Estate Loans [Member] | Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	32,469	21,990
Consumer Loans To Individuals [Member] | Performing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	199,985	146,345
Consumer Loans To Individuals [Member] | Nonperforming [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	164	55
Consumer Loans To Individuals [Member] | Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying Amount	$ 200,149	$ 146,400

Loans Receivable and Allowan_11

Loans Receivable and Allowance for Loan Losses (Loan Portfolio Summarized by the Past Due Status) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Total Loans	$ 1,474,424	$ 1,356,040
Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	1,113	643
Total Past Due and Non-Accrual	3,221	1,208
Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	6,290	8,304
Financing Receivables, 1 to 30 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	1,464,913	1,346,528
Financing Receivables, 31 to 60 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	1,646	431
Financing Receivables, 61 to 90 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due and still accruing	462	134
Financing Receivables, Greater than 90 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due and still accruing		91
Residential Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	298,813	273,040
Residential Real Estate Loans [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	486	469
Total Past Due and Non-Accrual	896	634
Residential Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	567	784
Residential Real Estate Loans [Member] | Financing Receivables, 1 to 30 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	297,350	271,622
Residential Real Estate Loans [Member] | Financing Receivables, 31 to 60 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	187	155
Residential Real Estate Loans [Member] | Financing Receivables, 61 to 90 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due and still accruing	223	10
Commercial Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	651,544	628,724
Commercial Real Estate Loans [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	402	103
Total Past Due and Non-Accrual	807	103
Commercial Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	2,049	3,285
Commercial Real Estate Loans [Member] | Financing Receivables, 1 to 30 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	648,688	625,336
Commercial Real Estate Loans [Member] | Financing Receivables, 31 to 60 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	405
Agricultural Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	68,915	61,925
Agricultural Real Estate Loans [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due and Non-Accrual	130	25
Agricultural Real Estate Loans [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	2,034	1,918
Agricultural Real Estate Loans [Member] | Financing Receivables, 1 to 30 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	66,751	59,982
Agricultural Real Estate Loans [Member] | Financing Receivables, 31 to 60 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	130	25
Construction Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	32,469	21,990
Construction Real Estate Loans [Member] | Financing Receivables, 1 to 30 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	32,469	21,990
Commercial [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	187,257	186,031
Commercial [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	61	16
Total Past Due and Non-Accrual	132	32
Commercial [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	1,640	198
Commercial [Member] | Financing Receivables, 1 to 30 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	185,485	185,801
Commercial [Member] | Financing Receivables, 31 to 60 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	71	3
Commercial [Member] | Financing Receivables, 61 to 90 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due and still accruing		13
Commercial [Member] | Financing Receivables, Greater than 90 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due and still accruing		91
Other Agricultural Loans [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	35,277	37,930
Other Agricultural Loans [Member] | Purchased Credit-Impaired [Member]
Financing Receivable, Past Due [Line Items]
Total Loans		2,119
Other Agricultural Loans [Member] | Financing Receivables, 1 to 30 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	35,277	35,811
Consumer Loans To Individuals [Member]
Financing Receivable, Past Due [Line Items]
Total Loans	200,149	146,400
Consumer Loans To Individuals [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Non-Accrual	164	55
Total Past Due and Non-Accrual	1,256	414
Consumer Loans To Individuals [Member] | Financing Receivables, 1 to 30 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	198,893	145,986
Consumer Loans To Individuals [Member] | Financing Receivables, 31 to 60 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due	853	248
Consumer Loans To Individuals [Member] | Financing Receivables, 61 to 90 Days Past Due [Member] | Company Originated [Member]
Financing Receivable, Past Due [Line Items]
Past Due and still accruing	$ 239	$ 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	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	$ 16,442	$ 13,150
Charge Offs	(665)	(1,149)
Recoveries	322	241
Provision for loan losses	900	4,200
Ending balance,	16,999	16,442
Ending balance individually evaluated for impairment	50	272
Ending balance collectively evaluated for impairment	16,949	16,170
Residential Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	2,175	1,960
Charge Offs	(172)	(17)
Recoveries	130	74
Provision for loan losses	700	158
Ending balance,	2,833	2,175
Ending balance individually evaluated for impairment
Ending balance collectively evaluated for impairment	2,833	2,175
Commercial Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	10,878	8,004
Charge Offs	(20)	(452)
Recoveries	82	19
Provision for loan losses	(2,647)	3,307
Ending balance,	8,293	10,878
Ending balance individually evaluated for impairment		272
Ending balance collectively evaluated for impairment	8,293	10,606
Farmland [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision for loan losses	259
Ending balance,	259
Ending balance collectively evaluated for impairment	259
Construction Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	133	150
Charge Offs
Recoveries
Provision for loan losses	276	(17)
Ending balance,	409	133
Ending balance individually evaluated for impairment
Ending balance collectively evaluated for impairment	409	133
Commercial [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	1,490	1,360
Charge Offs	(16)	(200)
Recoveries	46	49
Provision for loan losses	925	281
Ending balance,	2,445	1,490
Ending balance individually evaluated for impairment	50
Ending balance collectively evaluated for impairment	2,395	1,490
Other Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision for loan losses	124
Ending balance,	124
Ending balance collectively evaluated for impairment	124
Consumer Loans To Individuals [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance,	1,766	1,676
Charge Offs	(457)	(480)
Recoveries	64	99
Provision for loan losses	1,263	471
Ending balance,	2,636	1,766
Ending balance individually evaluated for impairment
Ending balance collectively evaluated for impairment	$ 2,636	$ 1,766

Premises and Equipment (Narrati

Premises and Equipment (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Premises and Equipment [Abstract]
Depreciation expense	$ 1,470	$ 1,481

Premises and Equipment (Compone

Premises and Equipment (Components of Premises and Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 37,814	$ 35,908
Accumulated depreciation	(19,890)	(18,619)
Property, Plant and Equipment, Net, Total	17,924	17,289
Land and Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	3,864	3,879
Buildings and improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	23,444	21,846
Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 10,506	$ 10,183

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits:
Time Deposits, $250,000 or More	$ 213,623	$ 257,238

Deposits (Schedule of Maturitie

Deposits (Schedule of Maturities of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits:
2023	$ 336,258
2024	96,823
2025	57,384
2026	8,632
2027	4,673
Time Deposits, Total	$ 503,770	$ 528,702

Borrowings (Narrative) (Details

Borrowings (Narrative) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Available-for-sale Securities Pledged as Collateral	$ 378,472,000	$ 339,769,000
FHLB of Pittsburgh [Member]
Debt Instrument [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	150,000,000
Line of Credit Facility, Fair Value of Amount Outstanding	42,264,000
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	655,344,000
Advances from Federal Home Loan Banks	82,264,000
Outstanding letter of credit amount	92,900,000
Atlantic Community Bankers Bank [Member]
Debt Instrument [Line Items]
Long-term Line of Credit	0	0
Line of Credit Facility, Maximum Borrowing Capacity	7,000,000
PNC Bank [Member]
Debt Instrument [Line Items]
Long-term Line of Credit	0	0
Line of Credit Facility, Maximum Borrowing Capacity	16,000,000
Zion Bank [Member]
Debt Instrument [Line Items]
Long-term Line of Credit	0	0
Line of Credit Facility, Maximum Borrowing Capacity	17,000,000
Securities Sold under Agreements to Repurchase [Member]
Debt Instrument [Line Items]
Available-for-sale securities pledged as collateral, amortized cost	63,737,000	66,353,000
Available-for-sale Securities Pledged as Collateral	$ 54,562,000	$ 65,162,000

Borrowings (Short-Term Borrowin

Borrowings (Short-Term Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Short-term borrowings	$ 93,215	$ 60,822
Securities Sold under Agreements to Repurchase [Member]
Short-term Debt [Line Items]
Short-term borrowings	50,951	$ 60,822
FHLB of Pittsburgh [Member] | Federal Home Loan Bank Advances [Member]
Short-term Debt [Line Items]
Short-term borrowings	$ 42,264

Borrowings (Outstanding Balance

Borrowings (Outstanding Balances and Related Information of Short-Term Borrowings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Borrowings [Abstract]
Short-term Debt, Average Balance During the Year	$ 69,711	$ 73,810
Short-term Debt, Average Interest Rate During the Year	0.75%	0.39%
Short-term Debt, Maximum Month-end Balance During The Year	$ 93,215	$ 90,409
Short-term Debt, Weighted Average Interest Rate at the End of the Year	2.65%	0.34%

Borrowings (Collateral Pledged

Borrowings (Collateral Pledged for Repurchase Agreements) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Assets Sold under Agreements to Repurchase [Line Items]
Available-for-sale Securities Pledged as Collateral	$ 378,472	$ 339,769
Short-term Borrowings	93,215	60,822
Mortgage-backed Securities-Government Sponsored Entities [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Available-for-sale Securities Pledged as Collateral	54,562	65,162
Maturity Overnight [Member] | Mortgage-backed Securities-Government Sponsored Entities [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Available-for-sale Securities Pledged as Collateral	54,562	65,162
Securities Sold under Agreements to Repurchase [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Available-for-sale Securities Pledged as Collateral	54,562	65,162
Short-term Borrowings	$ 50,951	$ 60,822

Borrowings (Other Borrowings) (

Borrowings (Other Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 40,000	$ 29,998
Amortizing fixed rate borrowing due March 2022 at 1.75% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances		227
Debt Instrument, Interest Rate, Stated Percentage	1.75%
Amortizing fixed rate borrowing due August 2022 at 1.94% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances		1,364
Debt Instrument, Interest Rate, Stated Percentage	1.94%
Amortizing fixed rate borrowing due October 2022 at 1.88% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances		1,386
Debt Instrument, Interest Rate, Stated Percentage	1.88%
Amortizing fixed rate borrowing due October 2023 at 3.24% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances		3,856
Debt Instrument, Interest Rate, Stated Percentage	3.24%
Amortizing fixed rate borrowing due December 2023 at 3.22% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances		2,097
Debt Instrument, Interest Rate, Stated Percentage	3.22%
Fixed Rate Term Borrowing Due December 2023 At 1.95% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances		10,000
Debt Instrument, Interest Rate, Stated Percentage	1.95%
Amortizing Fixed Rate Borrowing Due December 2023 At 1.73% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances		5,190
Debt Instrument, Interest Rate, Stated Percentage	1.73%
Amortizing Fixed Rate Borrowing Due April 2024 At 0.91% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances		$ 5,878
Debt Instrument, Interest Rate, Stated Percentage	0.91%
Amortizing Fixed Rate Borrowing Due December 2023 At 5.08% [Member]
Debt Instrument [Line Items]
Long-term Federal Home Loan Bank Advances	$ 40,000
Debt Instrument, Interest Rate, Stated Percentage	5.08%

Borrowings (Contractual Maturit

Borrowings (Contractual Maturities of Other Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Borrowings [Abstract]
2023	$ 40,000
Long-term Federal Home Loan Bank Advances, Total	$ 40,000	$ 29,998

Operating Leases (Narrative) (D

Operating Leases (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) item	Dec. 31, 2021 USD ($)
Operating Leases [Abstract]
Number of operating leases | item	7
Lease, Cost	$ 609	$ 587
Right-of-use assets	$ 4,109	$ 4,511
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Prepaid Expense and Other Assets	Prepaid Expense and Other Assets
Operating Lease, Liability	$ 4,195	$ 4,577
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities

Operating Leases (Lease Cost) (

Operating Leases (Lease Cost) (Details)	Dec. 31, 2022
Operating Leases [Abstract]
Weighted-average remaining term	10 years 8 months 12 days
Weighted-average discount rate	2.71%

Operating Leases (Undiscounted

Operating Leases (Undiscounted Cash Flows Due) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Operating Leases [Abstract]
2023	$ 557
2024	544
2025	561
2026	504
2027	401
2028 and thereafter	2,414
Total undiscounted cash flows	4,981
Discount on cash flows	(786)
Total lease liabilities	$ 4,195	$ 4,577
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Defined Contribution Plan, Employer Contributions, Vesting Period	4 years
Defined Contribution Plan, Cost	$ 1,310	$ 1,135
Defined Benefit Plan, Benefit Obligation	5,747	7,622	$ 8,065
Defined Benefit Plan, Net Periodic Benefit Cost	(173)	(171)
Defined Benefit Plan, Benefits Paid	476	$ 523
Defined Benefit Plan, Expected Future Benefit Payments, Next Twelve Months	479
Defined Benefit Plan, Expected Future Benefit Payments, Year Five	439
Defined Benefit Plan, Expected Future Benefit Payments, Year Four	449
Defined Benefit Plan, Expected Future Benefit Payments, Year Three	446
Defined Benefit Plan, Expected Future Benefit Payments, Year Two	463
Defined Benefit Plan, Expected Future Benefit Payment	$ 2,081
Projected Benefit Obligation, Projected Discount Rate	5.44%	2.93%
Change in Projected Benefit Obligation from Change in Projected Discount Rate	$ 1,600
Defined Benefit Plan, Accumulated Benefit Obligation	$ 5,747	$ 7,622
Defined Benefit Plan, Target Plan Asset Allocations	100%	100%
Accumulated Postretirement Benefit Obligation	$ 1,731	$ 1,630
Supplemental Employee Retirement Plan, Defined Benefit [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Benefit Obligation	3,518	3,481
Pension and Other Postretirement Benefits Cost (Reversal of Cost)	461	364
Cash Surrender Value of Life Insurance	43,364	40,038
Defined Benefit Plan, Net Periodic Benefit Cost	101	153
Other Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Net Periodic Benefit Cost	11	17
Defined Benefit Plan, Contributions by Employer	$ 11	$ 17
Defined Benefit Plan, Percentage of Plan Funded	106.70%	116.60%
Cash And Cash Equivalents [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	16.60%
Domestic equities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	25.10%	35.70%
Fixed Income Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	21.70%	35%
Other Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	36.60%	29.30%
JPMCB LDI Diversified Balanced Fund [Member]
Defined Benefit Plan Disclosure [Line Items]
Investment concentration	96%	100%
Maximum [Member] | Other Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Contribution Percentage	5%
Commingled Pensions Trust Fund [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	10%
Commingled Pensions Trust Fund [Member] | Minimum [Member] | Global Equity, Global Fixed Income, Real Estate And Cash-Plus [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	35%
Commingled Pensions Trust Fund [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	65%
Commingled Pensions Trust Fund [Member] | Maximum [Member] | Global Equity, Global Fixed Income, Real Estate And Cash-Plus [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	90%
Short-Term Investment Fund (STIF) [Member] | Other Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Investment concentration	96%	100%
Investment amount	$ 7,000	$ 0

Employee Benefit Plans (Schedul

Employee Benefit Plans (Schedule of Projected Benefit Obligation and Changes in Plan Assets for the Defined Benefit Pension Plan) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Change in benefit obligation:
Projected benefit obligation at beginning of year	$ (7,622)	$ (8,065)
Service cost		(51)
Interest cost	$ (216)	(206)
Defined Benefit Plan Net Periodic Benefit Cost Credit Interest Cost Statement Of Income Or Comprehensive Income Extensible List Not Disclosed Flag	Interest cost
Actuarial (gain) loss	$ 1,615	177
Benefits paid	476	523
Benefit obligation at end of year	(5,747)	(7,622)
Change in plan assets:
Balance	7,691	7,744
Actual return on plan assets	(1,933)	474
Benefits paid	(553)	(527)
Fair value of plan assets at end of year	5,205	7,691
Funded status at end of year	$ (542)	$ 69

Employee Benefit Plans (Sched_2

Employee Benefit Plans (Schedule of Amounts Recognized in Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Pension Plans And Other Postretirement Benefits [Abstract]
Gain	$ (784)	$ 220
Total	$ (784)	$ 220

Employee Benefit Plans (Compone

Employee Benefit Plans (Components of Net Pension Cost (Income)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Defined Benefit Plan Disclosure [Line Items]
Service cost benefits earned during the period		$ 51
Interest cost on projected benefit obligation	$ 216	206
Defined Benefit Plan Net Periodic Benefit Cost Credit Interest Cost Statement Of Income Or Comprehensive Income Extensible List Not Disclosed Flag	Interest cost
Actual return on assets	$ (336)	(394)
Net amortization and deferral	$ (53)	(34)
Defined Benefit Plan Net Periodic Benefit Cost Credit Amortization Of Prior Service Cost Credit Statement Of Income Or Comprehensive Income Extensible List Not Disclosed Flag	Net amortization and deferral
Net periodic pension cost	$ (173)	(171)
Other Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Net periodic pension cost	$ 11	$ 17

Employee Benefit Plans (Sched_3

Employee Benefit Plans (Schedule of Weighted Average Assumptions Used to Determine the Benefit Obligation And the Net Periodic Cost) (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Pension Plans And Other Postretirement Benefits [Abstract]
Discount rate, benefit obligation	5.44%	2.93%
Discount rate, net periodic pension cost	5.44%	2.63%
Expected long-term return on plan assets	6%	5.25%

Employee Benefit Plans (Sched_4

Employee Benefit Plans (Schedule Of Target Asset Allocations) (Details)	Dec. 31, 2022	Dec. 31, 2021
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	100%	100%
Cash And Cash Equivalents [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	16.60%
Domestic equities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	25.10%	35.70%
Fixed Income Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	21.70%	35%
Other Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	36.60%	29.30%

Employee Benefit Plans (Sched_5

Employee Benefit Plans (Schedule of Changes in Level 3 Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Employee Benefit Plans [Abstract]
Balance	$ 7,691	$ 7,744
Balance	$ 5,205	$ 7,691

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Operating Loss Carryforwards [Line Items]
Net operating loss carryforward	$ 3,535
Net operating loss carryforward, expiration date	Dec. 31, 2037
Earliest Tax Year [Member]
Operating Loss Carryforwards [Line Items]
Open Tax Year	2019

Income Taxes (Schedule of Compo

Income Taxes (Schedule of Components of the Provision for Federal Income Taxes) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Income Taxes [Abstract]
Current	$ 6,733	$ 6,328
Deferred	419	(383)
Income Tax Expense (Benefit), Total	$ 7,152	$ 5,945

Income Taxes (Schedule of Effec

Income Taxes (Schedule of Effective Income Tax Rate Reconciliation) (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Income Taxes [Abstract]
Tax at statutory rates	21%	21%
Tax exempt interest income, net of interest expense disallowance	(1.60%)	(1.90%)
Earnings and proceeds on life insurance	(0.60%)	(0.60%)
Other	0.90%	0.80%
Effective Income Tax Rate, Continuing Operations, Total	19.70%	19.30%

Income Taxes (Schedule of Defer

Income Taxes (Schedule of Deferred Tax Assets and Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Income Taxes [Abstract]
Deferred tax assets, Allowance for loan losses	$ 3,985	$ 3,855
Deferred tax assets, Deferred compensation	834	817
Deferred tax assets, Core deposit intangible	204	231
Deferred tax assets, Pension liability	267	302
Deferred tax assets, Foreclosed real estate valuation allowance	19	19
Deferred tax assets, Net operating loss carryforward	829	913
Deferred Tax Assets, Purchase price adjustment	1,779	2,487
Deferred tax assets, Net unrealized loss on securities	15,399	386
Deferred tax assets, Other	2,838	1,228
Total Deferred Tax Assets	26,154	10,238
Deferred tax liabilities, Premises and equipment	1,085	1,004
Deferred tax liabilities, Deferred loan fees	1,366	125
Deferred tax liabilities, Net unrealized gain on pension liability	154	318
Total Deferred Tax Liabilities	2,605	1,447
Net Deferred Tax Asset	$ 23,549	$ 8,791

Regulatory Matters and Stockh_3

Regulatory Matters and Stockholders' Equity (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2021
Regulatory Matters and Stockholders' Equity [Abstract]
Tier 1 capital (to risk-weighted assets) For Capital Adequacy Purposes, Ratio	0.0600	0.0600
Common Equity Tier 1 capital (to risk-weighted assets) For Capital Adequacy Purposes, Ratio	0.0450	0.0450
Tier 1 capital (to average assets) For Capital Adequacy Purposes, Ratio	0.0400	0.0400
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval	$ 52.7
Risk weight assigned to exposures	150%
Capital conservation buffer	2.50%

Regulatory Matters and Stockh_4

Regulatory Matters and Stockholders' Equity (Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations) (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Regulatory Matters and Stockholders' Equity [Abstract]
Total capital (to risk-weighted assets), Amount	$ 211,055	$ 191,469
Total capital (to risk-weighted assets) For Capital Adequacy Purposes, Amount	124,303	112,117
Total capital (to risk-weighted assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 155,379	$ 140,146
Total capital (to risk-weighted assets), Ratio	0.1358	0.1366
Total capital (to risk-weighted assets) For Capital Adequacy Purposes, Ratio	0.0800	0.0800
Total capital (to risk-weighted assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.1000	0.1000
Tier 1 capital (to risk-weighted assets), Amount	$ 194,124	$ 175,027
Tier 1 capital (to risk-weighted assets) For Capital Adequacy Purposes, Amount	93,228	84,087
Tier 1 capital (to risk-weighted assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 124,303	$ 112,117
Tier 1 capital (to risk-weighted assets), Ratio	0.1249	0.1249
Tier 1 capital (to risk-weighted assets) For Capital Adequacy Purposes, Ratio	0.0600	0.0600
Tier 1 capital (to risk-weighted assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.0800	0.0800
Common Equity Tier 1 capital (to risk-weighted assets), amount	$ 194,124	$ 175,027
Common Equity Tier 1 capital (to risk-weighted assets), for Capital Adequacy Purposes, amount	69,921	63,066
Common Equity Tier 1 capital (to risk-weighted assets) to be Well Capitalized under Prompt Corrective Action Provision, amount	$ 100,997	$ 91,095
Common Equity Tier 1 capital (to risk-weighted assets), Ratio	0.1249	0.1249
Common Equity Tier 1 capital (to risk-weighted assets) For Capital Adequacy Purposes, Ratio	0.0450	0.0450
Common Equity Tier 1 capital (to risk-weighted assets) to be Well Capitalized under Prompt Corrective Action Provision	0.0650	0.0650
Tier 1 capital (to average assets), Amount	$ 194,124	$ 175,027
Tier 1 capital (to average assets) For Capital Adequacy Purposes, Amount	82,934	82,243
Tier 1 capital (to average assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 103,668	$ 102,804
Tier 1 capital (to average assets), Ratio	0.0936	0.0851
Tier 1 capital (to average assets) For Capital Adequacy Purposes, Ratio	0.0400	0.0400
Tier 1 capital (to average assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.0500	0.0500

Stock Based Compensation (Narra

Stock Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Apr. 22, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Exercise price, min	$ 17.93
Exercise price, max	$ 36.02
Allocated Share-based Compensation Expense	$ 269	$ 214
Future compensation expense of non-vested restricted stock outstanding	1,294	953
Unrecognized Salaries And Employee Benefits Expense	$ 382	$ 269
Options, Granted	38,000	43,500
Compensation expense related to stock options	$ 269	$ 214
Share price	$ 33.44	$ 25.99
Options, Exercised in Period	34,425	22,420
Remaining Life, Years	6 years 9 months 18 days
Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options, Exercised in Period	1,650
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Allocated Share-based Compensation Expense	$ 372	$ 335
Non-vested stock outstanding	44,460	32,030	39,135
Officer [Member] | Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares increased (decreased)	60,000
Officer [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares increased (decreased)	40,000
Director [Member] | Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares increased (decreased)	40,000
Director [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares increased (decreased)	30,000
Common Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options, Exercised in Period	1,650	22,420
Norwood Financial Corp 2014 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized				375,000
Shares available for awards	117,035
Norwood Financial Corp 2014 Equity Incentive Plan [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized				63,000
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	5 years
Norwood Financial Corp 2014 Equity Incentive Plan [Member] | Officer [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for awards	71,010
Norwood Financial Corp 2014 Equity Incentive Plan [Member] | Officer [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for awards	28,575
Norwood Financial Corp 2014 Equity Incentive Plan [Member] | Outside Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized				60,000
Shares available for awards	46,025
Norwood Financial Corp 2014 Equity Incentive Plan [Member] | Outside Directors [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized				12,000
Shares available for awards	18,725
Amended Norwood Financial Corp 2014 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options and restricted stock, granted	357,966
Amended Norwood Financial Corp 2014 Equity Incentive Plan [Member] | Officer [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	62,700
Options and restricted stock, granted	74,125
Shares increased (decreased)	(300)
Amended Norwood Financial Corp 2014 Equity Incentive Plan [Member] | Outside Directors [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	32,300
Options and restricted stock, granted	43,575
Shares increased (decreased)	20,300
Amended Norwood Financial Corp 2014 Equity Incentive Plan [Member] | Employees [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options and restricted stock, granted			229,866
Amended Norwood Financial Corp 2014 Equity Incentive Plan [Member] | Director [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options and restricted stock, granted			10,400

Stock Based Compensation (Summa

Stock Based Compensation (Summary of Stock Option Activity) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Stock Based Compensation [Abstract]
Options, beginning of year	226,075	215,970
Options, Granted	38,000	43,500
Options, Exercised	(34,425)	(22,420)
Options, Forfeited	(10,675)	(10,975)
Options, end of year	218,975	226,075
Options, Exercisable, end of period	180,975	182,575
Weighted Average Exercise Price Per Share, Outstanding, beginning of period	$ 26.37	$ 25.73
Weighted Average Exercise Price Per Share, Granted	33.53	25.80
Weighted Average Exercise Price Per Share, Exercised	19.08	17.59
Weighted Average Exercise Price Per Share, Forfeited	27.56	29.48
Weighted Average Exercise Price Per Share, Outstanding, end of period	26.70	26.37
Weighted Average Exercise Price Per Share, Exercisable, end of period	$ 27.68	$ 26.50
Weighted Average Remaining Contractual Term, Outstanding	6 years 9 months 18 days
Aggregate Intrinsic Value, Outstanding, beginning of period	$ 520
Aggregate Intrinsic Value, Outstanding, end of period	1,100	$ 520
Aggregate Intrinsic Value, Exercisable at end of period	$ 1,100	$ 511

Stock Based Compensation (Sched

Stock Based Compensation (Schedule of Fair Value Assumptions) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Stock Based Compensation [Abstract]
Dividend yield	3.57%	3.55%
Expected life	10 years	10 years
Expected volatility	35.01%	34.69%
Risk-free interest rate	3.87%	1.51%
Weighted average fair value of options granted	$ 10.06	$ 6.49

Stock Based Compensation (Sch_2

Stock Based Compensation (Schedule of Outstanding Stock Options) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	218,975	226,075	215,970
Average Exercise Price	$ 26.70	$ 26.37	$ 25.73
Remaining Life, Years	6 years 9 months 18 days
Options Exercisable	180,975	182,575
Average Exercise Price	$ 27.68	$ 26.50
Average Exercise Price 1 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	11,125
Average Exercise Price	$ 17.93
Remaining Life, Years	1 year
Options Exercisable	11,125
Average Exercise Price	$ 17.93
Average Exercise Price 2 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	8,250
Average Exercise Price	$ 19.39
Remaining Life, Years	1 year 10 months 24 days
Options Exercisable	8,250
Average Exercise Price	$ 19.39
Average Exercise Price 3 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	9,375
Average Exercise Price	$ 19.03
Remaining Life, Years	2 years 10 months 24 days
Options Exercisable	9,375
Average Exercise Price	$ 19.03
Average Exercise Price 4 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	12,125
Average Exercise Price	$ 22.37
Remaining Life, Years	4 years
Options Exercisable	12,125
Average Exercise Price	$ 22.37
Average Exercise Price 5 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	25,250
Average Exercise Price	$ 32.81
Remaining Life, Years	5 years
Options Exercisable	25,250
Average Exercise Price	$ 32.81
Average Exercise Price 6 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	22,100
Average Exercise Price	$ 32.34
Remaining Life, Years	6 years
Options Exercisable	22,100
Average Exercise Price	$ 32.34
Average Exercise Price 7 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	22,500
Average Exercise Price	$ 36.02
Remaining Life, Years	7 years
Options Exercisable	22,500
Average Exercise Price	$ 36.02
Average Exercise Price 8 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	30,750
Average Exercise Price	$ 26.93
Remaining Life, Years	8 years
Options Exercisable	30,750
Average Exercise Price	$ 26.93
Average Exercise Price 9 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	1,000
Average Exercise Price	$ 26.35
Remaining Life, Years	8 years 3 months 18 days
Options Exercisable	1,000
Average Exercise Price	$ 26.35
Average Exercise Price 10 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	1,000
Average Exercise Price	$ 25.38
Remaining Life, Years	8 years 6 months
Options Exercisable	1,000
Average Exercise Price	$ 25.38
Average Exercise Price 11 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	37,500
Average Exercise Price	$ 25.80
Remaining Life, Years	9 years
Options Exercisable	37,500
Average Exercise Price	$ 25.80
Average Exercise Price 12 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding	38,000
Average Exercise Price	$ 33.53
Remaining Life, Years	10 years

Stock Based Compensation (Sum_2

Stock Based Compensation (Summary of Restricted Stock Activity) (Details) - Restricted Stock [Member] - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock Non-vested, beginning balance	32,030	39,135
Restricted stock, granted	23,000	8,000
Restricted stock, vested	(10,570)	(11,205)
Restricted stock, forfeited		(3,900)
Restricted stock Non-vested, ending balance	44,460	32,030
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	30.25	25.80
Restricted stock, vested, weighted-average grant date fair value	30.89	32.15
Restricted stock, forfeited, weighted-average grant date fair value		31.72
Restricted stock Non-vested, weighted-average grant date fair value, ending balance	$ 30.12	$ 26.76

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Earnings Per Share [Abstract]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	60,500	109,100
Share price	$ 33.44	$ 25.99

Earnings Per Share (Computation

Earnings Per Share (Computations of Basic and Diluted Earnings Per Share) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Earnings Per Share [Abstract]
Numerator, net income	$ 29,233	$ 24,915
Weighted Average Number of Shares Outstanding, Basic [Abstract]
Weighted average shares outstanding	8,174	8,213
Less: Weighted average unvested restricted shares	(37)	(35)
Basic EPS weighted average shares outstanding	8,137	8,178
Weighted Average Number of Shares Outstanding, Diluted [Abstract]
Basic EPS weighted average shares outstanding	8,137	8,178
Add: Dilutive effect of stock options and restricted shares	40	21
Diluted EPS weighted average shares outstanding	8,177	8,199
Earnings Per Share, Basic	$ 3.59	$ 3.05
Earnings Per Share, Diluted	$ 3.58	$ 3.04

Off-Balance Sheet Financial I_3

Off-Balance Sheet Financial Instruments (Schedule of Fair Value, Off-balance Sheet Risks) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loss Contingencies [Line Items]
Financial instrument commitments	$ 255,314	$ 244,357
Commitments to Grant Loans [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	90,379	78,996
Unfunded Commitments Under Lines of Credit [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	149,883	156,899
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Financial instrument commitments	$ 15,052	$ 8,462

Interest Rate Swaps (Narrative)

Interest Rate Swaps (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Effect on earnings	$ 0
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Prepaid Expense and Other Assets	Prepaid Expense and Other Assets
Interest Rate Contract [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Pledged cash as collateral	$ 350,000
Derivative Asset	$ 1,464,000	$ 235,000

Interest Rate Swaps (Summary of

Interest Rate Swaps (Summary of Derivatives) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Customer Interest Rate Swap [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	$ 10,810	$ 11,426
Fair Value	1,464	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	6,513	6,873
Fair Value	889	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	4,297	4,553
Fair Value	575	91
Third Party Interest Rate Swap [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	10,810	11,426
Fair Value	1,464	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	6,513	6,873
Fair Value	889	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	4,297	4,553
Fair Value	$ 575	$ 91

Interest Rate Swaps (Fair Value

Interest Rate Swaps (Fair Value of Derivative Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Prepaid Expense and Other Assets	Prepaid Expense and Other Assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Interest Rate Contract [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Assets	$ 1,464	$ 235
Liabilities	$ 1,464	$ 235

Fair Values of Financial Inst_3

Fair Values of Financial Instruments (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 413,000	$ 1,402,000
Impaired Financing Receivable, Recorded Investment	463,000	1,674,000
Impaired Financing Receivable, Related Allowance	$ 50,000	$ 272,000
Number of impaired loans not requiring a valuation allowance | loan	2	3
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	$ 413,000	$ 157,000
Impaired Financing Receivable, with Related Allowance, Recorded Investment	50,000	1,517,000
Impaired Loans, Cumulative Charge-Offs	$ 0	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	$ 50,000	$ 1,517,000
Number of impaired loans, with related allowance | loan		1
Valuation allowance	50,000	$ 272,000
Impaired Loans, Cumulative Charge-Offs	$ 0	$ 0

Fair Values of Financial Inst_4

Fair Values of Financial Instruments (Fair Value, Assets Measured on Recurring Basis) (Details) - Fair Value, Recurring [Member] - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
U.S. Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	$ 41,854	$ 19,351
U.S. Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS
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	41,854	19,351
U.S. Treasury Securities [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS
U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	18,323	16,011
U.S. Government Agencies [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS
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	18,323	16,011
U.S. Government Agencies [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS
States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	127,852	145,867
States And Political Subdivisions [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS
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	127,852	145,867
States And Political Subdivisions [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS
Mortgage-backed Securities-Government Sponsored Entities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	230,898	225,553
Mortgage-backed Securities-Government Sponsored Entities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS
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	230,898	225,553
Mortgage-backed Securities-Government Sponsored Entities [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS
Interest Rate Derivatives [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	1,464	235
LIABILITIES	1,464	235
Interest Rate Derivatives [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS
LIABILITIES
Interest Rate Derivatives [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS	1,464	235
LIABILITIES	1,464	235
Interest Rate Derivatives [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
ASSETS
LIABILITIES

Fair Values of Financial Inst_5

Fair Values of Financial Instruments (Fair Value, Assets and Liabilities Measured on Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Dec. 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	$ 413	$ 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	413	1,402
Fair Value, Nonrecurring [Member] | Impaired Loans [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Nonrecurring [Member] | Impaired Loans [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
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	413	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	346	1,742
Fair Value, Nonrecurring [Member] | Foreclosed Real Estate Owned [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Nonrecurring [Member] | Foreclosed Real Estate Owned [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
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	$ 346	$ 1,742

Fair Values of Financial Inst_6

Fair Values of Financial Instruments (Additional Qualitative Information about Level 3 Assets) (Details) $ in Thousands	Dec. 31, 2022 USD ($) item	Dec. 31, 2021 USD ($) item
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure | $	$ 413	$ 1,402
Impaired Loans [Member] | Appraisal of collateral [Member] | Measurement Input, Appraised Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure | $	$ 413	$ 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	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	0.100	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	0.0892	0.0112
Foreclosed Real Estate Owned [Member] | Appraisal of collateral [Member] | Measurement Input, Liquidation Expenses [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure | $	$ 346	$ 1,742
Servicing Asset, Measurement Input	0.0700	0.0700
Foreclosed Real Estate Owned [Member] | Weighted Average [Member] | Appraisal of collateral [Member] | Measurement Input, Liquidation Expenses [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Servicing Asset, Measurement Input	0.0700	0.0700

Fair Values of Financial Inst_7

Fair Values of Financial Instruments (Fair Value, by Balance Sheet Grouping) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 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	$ 31,866	$ 206,681
Financial assets: Loans receivable, net, Fair Value Disclosure	1,418,300	1,389,870
Financial assets: Mortgage servicing rights, Fair Value Disclosure	498	500
Financial assets: Regulatory stock, Fair Value Disclosure	5,418	3,927
Financial assets: Bank owned life insurance, Fair Value Disclosure	43,364	40,038
Financial assets: Accrued interest receivable, Fair Value Disclosure	6,917	5,889
Financial liabilities: Deposits, Fair Value Disclosure	1,727,184	1,759,722
Financial liabilities: Short-term borrowings, Fair Value Disclosure	93,215	60,822
Financial liabilities: Other borrowings, Fair Value Disclosure	40,074	30,221
Financial liabilities: Accrued interest payable, Fair Value Disclosure	2,653	1,203
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure
Financial assets: Cash and cash equivalents	31,866	206,681	$ 111,693
Financial assets: Loans receivable, net	1,456,946	1,338,489
Financial assets: Mortgage servicing rights	213	289
Financial assets: Regulatory stock	5,418	3,927
Financial assets: Bank owned life insurance	43,364	40,038
Financial assets: Accrued interest receivable	6,917	5,889
Financial liabilities: Deposits	1,727,727	1,756,793
Financial liabilities: Short-term borrowings	93,215	60,822
Financial liabilities: Other borrowings	40,000	29,998
Financial liabilities: Accrued interest payable	2,653	1,203
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and cash equivalents, Fair Value Disclosure	31,866	206,681
Financial assets: Loans receivable, net, Fair Value Disclosure
Financial assets: Mortgage servicing rights, Fair Value Disclosure
Financial assets: Regulatory stock, Fair Value Disclosure	5,418	3,927
Financial assets: Bank owned life insurance, Fair Value Disclosure	43,364	40,038
Financial assets: Accrued interest receivable, Fair Value Disclosure	6,917	5,889
Financial liabilities: Deposits, Fair Value Disclosure	1,223,958	1,228,091
Financial liabilities: Short-term borrowings, Fair Value Disclosure	93,215	60,822
Financial liabilities: Other borrowings, Fair Value Disclosure
Financial liabilities: Accrued interest payable, Fair Value Disclosure	2,653	1,203
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and cash equivalents, Fair Value Disclosure
Financial assets: Loans receivable, net, Fair Value Disclosure
Financial assets: Mortgage servicing rights, Fair Value Disclosure
Financial assets: Regulatory stock, Fair Value Disclosure
Financial assets: Bank owned life insurance, Fair Value Disclosure
Financial assets: Accrued interest receivable, Fair Value Disclosure
Financial liabilities: Deposits, Fair Value Disclosure
Financial liabilities: Short-term borrowings, Fair Value Disclosure
Financial liabilities: Other borrowings, Fair Value Disclosure
Financial liabilities: Accrued interest payable, Fair Value Disclosure
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and cash equivalents, Fair Value Disclosure
Financial assets: Loans receivable, net, Fair Value Disclosure	1,418,300	1,389,870
Financial assets: Mortgage servicing rights, Fair Value Disclosure	498	500
Financial assets: Regulatory stock, Fair Value Disclosure
Financial assets: Bank owned life insurance, Fair Value Disclosure
Financial assets: Accrued interest receivable, Fair Value Disclosure
Financial liabilities: Deposits, Fair Value Disclosure	503,226	531,631
Financial liabilities: Short-term borrowings, Fair Value Disclosure
Financial liabilities: Other borrowings, Fair Value Disclosure	40,074	30,221
Financial liabilities: Accrued interest payable, Fair Value Disclosure
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Summary Of Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	$ (256)
Other comprehensive loss	(57,097)	$ (5,375)
Ending balance	(57,353)	(256)
Unrealized gains and losses on available-for-sale securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(1,453)	4,096
Other comprehensive income (loss) before reclassification	(56,476)	(5,476)
Amount reclassified from accumulated other comprehensive (income) loss	(2)	(73)
Other comprehensive loss	(56,478)	(5,549)
Ending balance	(57,931)	(1,453)
Unrealized gain (loss) on pension liability [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	1,197	1,023
Other comprehensive income (loss) before reclassification	(619)	174
Other comprehensive loss	(619)	174
Ending balance	578	1,197
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(256)	5,119
Other comprehensive income (loss) before reclassification	(57,095)	(5,302)
Amount reclassified from accumulated other comprehensive (income) loss	(2)	(73)
Other comprehensive loss	(57,097)	(5,375)
Ending balance	$ (57,353)	$ (256)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Significant Amounts Reclassified Out Of Each Component Of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net realized gains on sales of securities	$ 3	$ 92
Income tax expense	(7,152)	(5,945)
Net income	29,233	24,915
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	3	92
Income tax expense	(1)	(19)
Net income	$ 2	$ 73

Norwood Financial Corp (Paren_3

Norwood Financial Corp (Parent Company Only) Financial Information (Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Condensed Financial Statements, Captions [Line Items]
Cash on deposit in bank subsidiary	$ 28,847	$ 21,073
Securities available for sale	418,927	406,782
Other assets	12,241	9,203
Total Assets	2,047,070	2,068,504
Liabilities	1,879,985	1,863,242
Stockholders’ equity	167,085	205,262	$ 194,785
Total Liabilities and Stockholders' Equity	2,047,070	2,068,504
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Cash on deposit in bank subsidiary	3,938	1,511
Investment in bank subsidiary	164,248	204,547
Other assets	2,365	2,472
Total Assets	170,551	208,530
Liabilities	3,466	3,268
Stockholders’ equity	167,085	205,262
Total Liabilities and Stockholders' Equity	$ 170,551	$ 208,530

Norwood Financial Corp (Paren_4

Norwood Financial Corp (Parent Company Only) Financial Information (Statements of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Condensed Financial Statements, Captions [Line Items]
Income before Income Taxes	$ 36,385	$ 30,860
Income tax expense	7,152	5,945
Net income	29,233	24,915
COMPREHENSIVE (LOSS) INCOME	(27,864)	19,540
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Dividends from bank subsidiary	13,228	10,697
Expenses	743	627
Income before Income Taxes	12,485	10,070
Income tax expense	(219)	(171)
Income before equity in undistributed earnings	12,704	10,241
Equity in undistributed earnings of subsidiary	16,529	14,674
Net income	29,233	24,915
COMPREHENSIVE (LOSS) INCOME	$ (27,864)	$ 19,540

Norwood Financial Corp (Paren_5

Norwood Financial Corp (Parent Company Only) Financial Information (Statements of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Condensed Financial Statements, Captions [Line Items]
Net Income	$ 29,233	$ 24,915
Net realized gain on sales of securities	(3)	(92)
Other, net	(2,069)	1,261
Net cash provided by operating activities	30,734	29,198
Proceeds from sales of securities	5,113	11,366
Net cash used in investing activities	(207,994)	(130,964)
Stock options exercised	657	394
Sale of treasury stock for ESOP	132	130
Acquisition of treasury stock	(2,515)	(1,440)
Cash dividends paid	(9,158)	(8,539)
Net Cash Provided by Financing Activities	2,445	196,754
Net Increase (Decrease) in Cash and Cash Equivalents	(174,815)	94,988
CASH AND CASH EQUIVALENTS - BEGINNING	206,681	111,693
CASH AND CASH EQUIVALENTS - END	31,866	206,681
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Net Income	29,233	24,915
Undistributed earnings of bank subsidiary	(16,529)	(14,674)
Other, net	607	(129)
Net cash provided by operating activities	13,311	10,112
Stock options exercised	657	394
Sale of treasury stock for ESOP	132	130
Acquisition of treasury stock	(2,515)	(1,440)
Cash dividends paid	(9,158)	(8,539)
Net Cash Provided by Financing Activities	(10,884)	(9,455)
Net Increase (Decrease) in Cash and Cash Equivalents	2,427	657
CASH AND CASH EQUIVALENTS - BEGINNING	1,511	854
CASH AND CASH EQUIVALENTS - END	$ 3,938	$ 1,511