FNCB Bancorp (FNCB) 10-K 9 Mar 20 2019 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2019	Mar. 09, 2020	Jun. 30, 2019
Document Information [Line Items]
Entity Registrant Name	FNCB BANCORP, INC.
Entity Central Index Key	0001035976
Trading Symbol	fncb
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		20,173,308
Entity Public Float			$ 131,946,706
Entity Shell Company	false
Document Type	10-K
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Amendment Flag	false
Title of 12(b) Security	Common Stock

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 22,861	$ 26,673
Interest-bearing deposits in other banks	11,704	9,808
Total cash and cash equivalents	34,565	36,481
Available-for-sale debt securities, at fair value	272,839	296,032
Equity securities, at fair value	920	891
Restricted stock, at cost	3,804	3,123
Loans held for sale	1,061	820
Loans, net of allowance for loan and lease losses of $8,950 and $9,519	819,529	829,581
Bank premises and equipment, net	17,518	14,425
Accrued interest receivable	3,234	3,614
Bank-owned life insurance	31,230	31,015
Other real estate owned	289	919
Net deferred tax assets	6,278	10,693
Other assets	12,274	10,138
Total assets	1,203,541	1,237,732
Liabilities
Demand (non-interest-bearing)	179,465	156,600
Interest-bearing	822,244	939,029
Total deposits	1,001,709	1,095,629
Federal Home Loan Bank of Pittsburgh advances	46,909	18,930
Subordinated debentures		5,000
Junior subordinated debentures	10,310	10,310
Total borrowed funds	57,219	34,240
Accrued interest payable	258	338
Other liabilities	10,748	10,306
Total liabilities	1,069,934	1,140,513
Shareholders' equity
Preferred stock ($1.25 par) Authorized: 20,000,000 shares at December 31, 2019 and December 31, 2018 Issued and outstanding: 0 shares at December 31, 2019 and December 31, 2018
Common stock ($1.25 par) Authorized: 50,000,000 shares at December 31, 2019 and December 31, 2018 Issued and outstanding: 20,171,408 shares at December 31, 2019 and 16,821,371 shares at December 31, 2018	25,214	21,026
Additional paid-in capital	81,130	63,547
Retained earnings	24,207	17,186
Accumulated other comprehensive income (loss)	3,056	(4,540)
Total shareholders' equity	133,607	97,219
Total liabilities and shareholders’ equity	$ 1,203,541	$ 1,237,732

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans, allowance for loan and lease losses	$ 8,950	$ 9,519
Preferred shares, par value (in dollars per share)	$ 1.25	$ 1.25
Preferred shares, authorized (in shares)	20,000,000	20,000,000
Preferred shares, issued (in shares)	0	0
Preferred shares, outstanding (in shares)	0	0
Common shares, par value (in dollars per share)	$ 1.25	$ 1.25
Common shares, authorized (in shares)	50,000,000	50,000,000
Common shares, issued (in shares)	20,171,408	16,821,371
Common shares, outstanding (in shares)	20,171,408	16,821,371

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Interest income
Interest and fees on loans	$ 37,818	$ 36,381
Interest and dividends on securities:
U.S. government agencies	3,545	3,565
State and political subdivisions, tax-free	149	133
State and political subdivisions, taxable	3,263	4,105
Other securities	1,093	813
Total interest and dividends on securities	8,050	8,616
Interest on interest-bearing deposits in other banks	188	88
Total interest income	46,056	45,085
Interest expense
Interest on deposits	8,101	5,925
Federal Home Loan Bank of Pittsburgh advances	1,241	2,025
Subordinated debentures	24	228
Junior subordinated debentures	430	400
Total interest on borrowed funds	1,695	2,653
Total interest expense	9,796	8,578
Net interest income before provision for loan and lease losses	36,260	36,507
Provision for loan and lease losses	797	2,550
Net interest income after provision for loan and lease losses	35,463	33,957
Non-interest income
Deposit service charges	3,035	2,885
Net gain (loss) on the sale of available-for-sale securities	1,227	(4)
Net gain (loss) on equity securities	29	(27)
Net gain on the sale of mortgage loans held for sale	253	210
Net gain on the sale of SBA guaranteed loans		322
Net gain on the sale of other real estate owned	20	31
Loan-related fees	378	390
Income from bank-owned life insurance	520	555
Insurance recovery		6,027
Loan referral fees	703
Other	1,455	1,401
Total non-interest income	7,620	11,790
Non-interest expense
Salaries and employee benefits	15,518	14,780
Occupancy expense	1,948	2,191
Equipment expense	1,319	1,254
Advertising expense	738	699
Data processing expense	3,113	2,799
Regulatory assessments	306	861
Bank shares tax	566	636
Professional fees	1,056	1,028
Other losses	156	598
Other operating expenses	4,962	4,481
Total non-interest expense	29,682	29,327
Income before income tax expense	13,401	16,420
Income tax expense	2,326	3,071
Net income	$ 11,075	$ 13,349
Earnings per share
Basic (in dollars per share)	$ 0.56	$ 0.79
Diluted (in dollars per share)	0.56	0.79
Cash dividends declared per common share (in dollars per share)	$ 0.20	$ 0.17
WEIGHTED AVERAGE NUMBER OF SHARES OUTSTANDING:
Basic (in shares)	19,802,095	16,799,004
Diluted (in shares)	19,807,592	16,820,753

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Net income	$ 11,075	$ 13,349
Other comprehensive income (loss):
Unrealized gains (losses) on available-for-sale debt securities	10,842	(3,624)
Taxes	(2,277)	761
Net of tax amount	8,565	(2,863)
Reclassification adjustment for net (gains) losses included in net income	(1,227)	4
Taxes	258	(1)
Net of tax amount	(969)	3
Total other comprehensive income (loss)	7,596	(2,860)
Comprehensive income	$ 18,671	$ 10,489

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balances (in shares) at Dec. 31, 2017	16,757,963
Balance at Dec. 31, 2017	$ 20,947	$ 63,210	$ 6,779	$ (1,745)	$ 89,191
Net income for the year			13,349		13,349
Cash dividends			(2,857)		(2,857)
Reclassification of unrealized loss on equity securities			(65)	65
Restricted stock awards		279			279
Common shares issued under long-term incentive compensation plan (in shares)	46,358
Common shares issued under long-term incentive compensation plan	$ 58	(58)
Common shares issued through dividend reinvestment/optional cash purchase plan (in shares)	17,050				17,050
Common shares issued through dividend reinvestment/optional cash purchase plan	$ 21	116	(20)		$ 117
Other comprehensive income (loss), net of tax				(2,860)	(2,860)
Balances (in shares) at Dec. 31, 2018	16,821,371
Balance at Dec. 31, 2018	$ 21,026	63,547	17,186	(4,540)	97,219
Net income for the year			11,075		11,075
Cash dividends			(4,030)		(4,030)
Reclassification of unrealized loss on equity securities
Restricted stock awards		255			255
Common shares issued under long-term incentive compensation plan (in shares)	57,118
Common shares issued under long-term incentive compensation plan	$ 71	79			$ 150
Common shares issued through dividend reinvestment/optional cash purchase plan (in shares)	7,369				7,369
Common shares issued through dividend reinvestment/optional cash purchase plan	$ 10	48	(24)		$ 34
Other comprehensive income (loss), net of tax				7,596	7,596
Common shares issued for capital raise, net (in shares)	3,285,550
Common shares issued for capital raise, net	$ 4,107	17,201			21,308
Balances (in shares) at Dec. 31, 2019	20,171,408
Balance at Dec. 31, 2019	$ 25,214	$ 81,130	$ 24,207	$ 3,056	$ 133,607

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Cash dividends declared, per share (in dollars per share)	$ 0.20	$ 0.17
Other comprehensive income (loss), tax	$ 2,019	$ 760

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities:
Net income	$ 11,075	$ 13,349
Adjustments to reconcile net income to net cash provided by operating activities:
Investment securities amortization, net	746	824
Equity in trust	(13)	(12)
Depreciation and amortization	2,987	2,968
Valuation adjustment for loan servicing rights	2
Stock-based compensation expense	405	279
Provision for loan and lease losses	797	2,550
Valuation adjustment for off-balance sheet commitments	448	(127)
Net (gain) loss on the sale of available-for-sale debt securities	(1,227)	4
Net (gain) loss on equity securities	(29)	27
Net gain on the sale of mortgage loans held for sale	(253)	(210)
Net gain on the sale of SBA guaranteed loans		(322)
Net gain on the sale of other real estate owned	(20)	(31)
Valuation adjustment of other real estate owned	85	102
Loss on the disposition of bank premises and equipment	35	328
Gain on bank-owned life insurance settlement	(114)
Income from bank-owned life insurance	(520)	(555)
Proceeds from the sale of mortgage loans held for sale	9,900	9,819
Funds used to originate mortgage loans held for sale	(9,887)	(9,334)
Decrease in net deferred tax assets	2,396	5,835
Decrease (increase) in accrued interest receivable	380	(380)
Increase in prepaid expenses and other assets	(2,107)	(2,347)
(Decrease) increase in accrued interest payable	(80)	97
Decrease in director indemnification liability		(2,553)
(Decrease) increase in accrued expenses and other liabilities	(354)	2,839
Total adjustments	3,577	9,801
Net cash provided by operating activities	14,652	23,150
Cash flows from investing activities:
Maturities, calls and principal payments of available-for-sale debt securities	11,051	6,676
Proceeds from the sale of available-for-sale debt securities	128,233	4,559
Purchases of available-for-sale debt securities	(105,995)	(22,256)
Purchase of the stock in Federal Home Loan Bank of Pittsburgh	(681)	(360)
Net decrease (increase) in loans to customers	7,737	(77,924)
Proceeds from the sale of SBA guaranteed loans		6,032
Proceeds from the sale of other real estate owned	821	470
Proceeds received from bank-owned life insurance settlement	419
Proceeds received from sale of bank premises and equipment	16
Purchases of bank premises and equipment	(4,540)	(6,015)
Net cash provided by (used in) investing activities	37,061	(88,818)
Cash flows from financing activities:
Net (decrease) increase in deposits	(93,920)	93,181
Net proceeds from Federal Home Loan Bank of Pittsburgh advances - overnight	7,500	6,600
Proceeds from Federal Home Loan Bank of Pittsburgh advances - term	70,000	73,929
Repayment of Federal Home Loan Bank of Pittsburgh advances - term	(49,521)	(106,567)
Principal reduction on subordinated debentures	(5,000)
Proceeds from issuance of common shares, net of discount	21,342	117
Cash dividends paid	(4,030)	(2,857)
Net cash (used in) provided by financing activities	(53,629)	64,403
Net decrease in cash and cash equivalents	(1,916)	(1,265)
Cash and cash equivalents at beginning of year	36,481	37,746
Cash and cash equivalents at end of year	34,565	36,481
Supplemental cash flow information
Interest	9,876	8,481
Income taxes		23
Other transactions:
Lease liabilities arising from obtaining right-of-use assets	92
Bank premises and equipment transferred to other real estate owned		291
Loans transferred to other real estate owned and repossessed assets		146
Investor loans transferred to other real estate owned	$ 256

Note 1 - Organization

Note 1 - Organization	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	Note 1. FNCB Bancorp, Inc. is a registered bank holding company under the Bank Holding Company Act of 1956 1997. ’s wholly owned subsidiaries FNCB Realty Company, Inc., FNCB Realty Company I, LLC, and FNCB Realty Company II, LLC. Unless the context otherwise requires, the term “FNCB” is used to refer to FNCB Bancorp, Inc., and its subsidiaries. In certain circumstances, however, the term “FNCB” refers to FNCB Bancorp, Inc., itself. The Bank provides customary retail and commercial banking services to individuals, businesses and local governments and municipalities through its 17 full-service branch locations within its primary market area, Northeastern Pennsylvania and its limited purpose office (“LPO”) based in Allentown, Lehigh County, Pennsylvania. FNCB Realty Company, Inc., FNCB Realty Company I, LLC, and FNCB Realty Company II, LLC were formed to hold real estate and/or operate businesses acquired in exchange for debt settlement or foreclosure. In December 2006, 810 10, not not

Note 2 - Summary of Significant

Note 2 - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Significant Accounting Policies [Text Block]	Note 2. Basis of Presentation The consolidated financial statements of FNCB are comprised of the accounts of FNCB Bancorp, Inc., and its wholly-owned subsidiary, FNCB Bank, as well as the Bank’s wholly-owned subsidiaries. All intercompany transactions and balances have been eliminated in consolidation. The accounting and reporting policies of FNCB conform to accounting principles generally accepted in the United States of America (“GAAP”), Regulation S- X not The preparation of financial statements in accordance with GAAP 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 consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to change in the near term are the allowance for loan and lease losses (“ALLL”), securities’ valuation and impairment evaluation, the valuation of other real estate owned (“OREO”), and income taxes. Cash Equivalents For purposes of reporting cash flows, cash equivalents include cash on hand and amounts due from banks. Securities Debt Securities FNCB classifies its investments in debt securities as either held-to-maturity or available-for-sale at the time of purchase. Debt securities that are classified as held-to-maturity are carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities that are classified as available-for-sale are carried at fair value with unrealized holding gains and losses recognized as a component of shareholders’ equity in accumulated other comprehensive income (loss), net of tax. Amortization of premiums and accretion of discounts is recognized over the life of the related security as an adjustment to yield using the interest method. Realized gains and losses on sales of debt securities are based on amortized cost using the specific identification method on the trade date. All of FNCB's debt securities were classified as available-for-sale at December 31, 2019 2018. Equity Securities with Readily Determinable Fair Value FNCB's equity securities consist entirely of a mutual fund investment comprised of 1 4 Fair values for debt securities and equity securities with readily determinable fair values are based upon quoted market prices, where available. If quoted market prices are not Restricted Securities Investments in restricted securities have limited marketability, are carried at cost and are evaluated for impairment based on FNCB’s determination of the ultimate recoverability of the par value of the stock. FNCB’s investment in restricted securities, comprised of stock in the Federal Home Loan Bank of Pittsburgh and Atlantic Community Bankers Bank. Equity Securities without Readily Determinable Fair Value Equity securities without readily determinable fair values consist entirely of FNCB's investment in the common stock of a privately-held bank holding company. Equity securities without readily determinable fair values are carried at cost and included in other assets in the consolidated statements of financial condition. On a quarterly basis, management performs a qualitative assessment to determine if the investment is impaired. If the qualitative assessment indicates impairment, the investment is written down to its fair value, with the charge for impairment included in net income. Evaluation for Other Thank Temporary Impairment On a quarterly basis, management evaluates all securities in an unrealized loss position for other than temporary impairment (“OTTI”). An individual security is considered impaired when its current fair value is less than its amortized cost basis. As part of its evaluation, management considers the following factors, among other things, in determining whether the security’s impairment is other than temporary: ● the length of time and extent of the impairment; ● the causes of the decline in fair value, such as credit deterioration, interest rate fluctuations, or market volatility; ● adverse industry or geographic conditions; ● historical implied volatility; ● payment structure of the security and whether FNCB expects to receive all contractual cash flows; ● failure of the issuer to make contractual interest or principal payments in the past; and ● changes in the security’s rating. Based on current authoritative guidance, when a held-to-maturity or available-for-sale security is assessed for first not one not two not Loans and Loan Origination Fees and Costs Loans 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 balance, net of unamortized deferred loan fees and costs, any unearned income and partial charge-offs. Loans receivable are presented net of the allowance for loan and lease losses in the consolidated statements of financial condition. Interest income on all loans is recognized using the effective interest method. Nonrefundable loan origination fees, as well as certain direct loan origination costs, are deferred and the net amount amortized over the contractual life of the related loan as an adjustment to yield using the effective interest method. Amortization of deferred loan fees or costs is discontinued when a loan is placed on non-accrual status. Loans are placed on non-accrual status when a loan is specifically determined to be impaired or when management believes that the collection of interest or principal is doubtful. This generally occurs when a default of interest or principal has existed for 90 90 first six no In accordance with federal regulations, prior to making, extending, renewing or advancing additional funds in excess of $ 400 third may Troubled Debt Restructurings FNCB considers a loan to be a troubled debt restructuring (“TDR”) when it grants a concession to the borrower for legal or economic reasons related to the borrower’s financial difficulties that it would not six Loan Impairment A loan is considered impaired when it is probable that FNCB will be unable to collect all amounts due (including principal and interest) according to the contractual terms of the note and loan agreement. For purposes of the analysis, all TDRs, loan relationships with an aggregate outstanding balance greater than $100 not may Generally, all loans with balances of $100 not $100 Impaired loans, or portions thereof, are charged-off upon determination that all or a portion of the loan balance is uncollectible and exceeds the fair value of the collateral. A loan is considered uncollectible when the borrower is delinquent with respect to principal or interest repayment and it is unlikely that the borrower will have the ability to pay the debt in a timely manner, collateral value is insufficient to cover the outstanding indebtedness and the guarantors (if applicable) do not Allowance for Loan and Lease Losses Management evaluates the credit quality of FNCB’s loan portfolio on an ongoing basis and performs a formal review of the adequacy of the ALLL on a quarterly basis. The ALLL is established through a provision for loan losses charged to earnings and is maintained at a level that management considers adequate to absorb estimated probable losses inherent in the loan portfolio as of the evaluation date. Loans, or portions of loans, determined by management to be uncollectible are charged off against the ALLL, while recoveries of amounts previously charged off are credited to the ALLL. Determining the amount of the ALLL is considered a critical accounting estimate because it requires significant judgment and the use of estimates related to the amount and timing of expected future cash flows on impaired loans, estimated losses on pools of homogeneous loans based on historical loss experience, qualitative factors, and consideration of current economic trends and conditions, all of which may may FNCB's allowance methodology consists primarily of two $100 may unallocated component may not When establishing the ALLL, management categorizes loans into the following loan segments that are based generally on the nature of the collateral and basis of repayment. The risk characteristics of FNCB’s loan segments are as follows: Construction, Land Acquisition and Development Loans one four not 65%. 85% Commercial Real Estate Loans not not 25 85%. Commercial and Industrial Loans - may State and Political Subdivision Loans Residential Real Estate Loans 1 4 first 80% 80% may Consumer Loans 90% 15 Off-Balance-Sheet Credit-Related Financial Instruments FNCB is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing need of its customers. These financial instruments include commitments to extend credit, unused portions of lines of credit, including revolving HELOCs, and letters of credit. FNCB’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument is represented by the contractual notional amount of these instruments. FNCB uses the same credit policies in making these commitments as it does for on-balance sheet instruments. In order to provide for probable losses inherent in these instruments, FNCB records a reserve for unfunded commitments, included in other liabilities on the consolidated statements of financial condition, with the offsetting expense recorded in other operating expenses in the consolidated statements of income. Mortgage Banking Activities, Loan Sales and Servicing Mortgage loans originated and held for sale are carried at the lower of aggregate cost or fair value determined on an individual loan basis. Net unrealized losses are recorded as a valuation allowance and charged to earnings. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold and include the value assigned to the rights to service the loan. FNCB may Servicing rights are recorded at fair value upon sale of the loan and reported in other assets on the consolidated statements of financial condition. Servicing rights are amortized in proportion to and over the period during which estimated servicing income will be received. Fair value is based on market prices for comparable servicing contracts, when available, or alternately, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Servicing rights are evaluated for impairment at each reporting date based upon the fair value of the rights as compared to amortized cost. Impairment is determined by stratifying rights into tranches based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the capitalized amount for the tranche. If management later determines that all or a portion of the impairment no may Other Real Estate Owned OREO consists of property acquired by foreclosure, abandonment or conveyance of deed in-lieu of foreclosure of a loan, and bank premises that are no no may Bank Premises and Equipment Land is stated at cost. Bank premises, equipment and leasehold improvements are stated at cost less accumulated depreciation. Costs for routine maintenance and repairs are expensed as incurred, while significant expenditures for improvements are capitalized. Depreciation expense is computed generally using the straight-line method over the following ranges of estimated useful lives, or in the case of leasehold improvements, to the expected terms of the leases, if shorter: Buildings and improvements (years) 5 to 40 Furniture, fixtures and equipment (years) 3 to 20 Leasehold improvements (years) 3 to 35 Long-lived Assets Intangible assets and bank premises and equipment are reviewed by management at least annually for potential impairment and whenever events or circumstances indicate that carrying amounts may not Income Taxes FNCB recognizes income taxes under the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more-likely-than- not not FNCB files a consolidated Federal income tax return. Under tax sharing agreements, each subsidiary provides for and settles income taxes with FNCB as if it would have filed on a separate return basis. Interest and penalties, if any, as a result of a taxing authority examination are recognized within non-interest expense. FNCB is not no 2016. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more-likely-than- not not not 50% no x December 31, 2019 2018. Earnings per Share Earnings per share is calculated on the basis of the weighted-average number of common shares outstanding during the year. Basic earnings per share excludes dilution and is computed by dividing net income available to common shareholders by the weighted-average common shares outstanding during the period. Diluted earnings per share reflect additional shares that would have been outstanding if dilutive potential common shares had been issued. Potential common shares that may Stock-Based Compensation FNCB is required to measure and record compensation expense for stock-based payments based on the instrument’s fair value on the date of the grant. The fair value of each option grant was estimated on the date of grant using the Black-Scholes option-pricing model. The fair value of shares of restricted stock awarded under the Long Term Incentive Compensation Plan (“LTIP”) is determined using an average of the high and low prices for FNCB’s common stock for the 10 Bank-Owned Life Insurance Bank-owned life insurance (“BOLI”) represents the cash surrender value of life insurance policies on certain current and former directors and officers of FNCB. FNCB purchased the insurance as a tax-deferred investment and future source of funding for liabilities, including the payment of employee benefits such as health care. BOLI is carried in the consolidated statements of financial condition at its cash surrender value. Increases in the cash value of the policies, as well as proceeds received, are recorded in non-interest income. Under some of these policies, the beneficiaries receive a portion of the death benefit. The net present value of the future death benefits scheduled to be paid to the beneficiaries was $113 $111 December 31, 2019 2018, Fair Value Measurement FNCB uses fair value measurements to record fair value adjustments to certain financial assets and liabilities and to determine fair value disclosures. Available-for-sale debt securities are recorded at fair value on a recurring basis. Additionally, from time to time, FNCB may Fair value is the price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market in an orderly transaction between market participants at the measurement date. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets or liabilities; it is not Accounting standards define fair value, establish a framework for measuring fair value, establish a three The three ● Level 1 ● Level 2 not ● Level 3 not Revenue Recognition On January 1, 2018, 2014 09, 606 606 340 40 2014 09 not no ● Deposit service charges - include general service fees for monthly account maintenance, account analysis fees, non-sufficient funds fees, wire transfer fees and other deposit account related fees. Revenue is recognized when FNCB’s performance obligation is completed which is generally monthly for account maintenance services or when a transaction has been completed (such as a wire transfer). Payment for service charges on deposit accounts is received immediately or in the following month through a direct charge to customers’ accounts. Also included in deposit service charges is income from ATM surcharges and debit card services income. ATM surcharges are generated when an FNCB cardholder uses a an ATM that is not ● Net gains on the sale of other real estate owned - FNCB records a gain or loss from the sale of OREO when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. When FNCB finances the sale of OREO to the buyer, FNCB assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the OREO asset is derecognized and the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. In determining the gain or loss on the sale, FNCB adjusts the transaction prices and related gain (loss) on sale if a significant financing component is present. ● Loan referral fees represent fees FNCB receives from a third not no ● Other income third third no Comprehensive Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the shareholders’ equity section of the statement of financial condition, such items, along with net income, are components of comprehensive income. New Authoritative Accounting Guidance Accounting Standards Update ("ASU") 2016 02, 842 12 2016 02 2016 02 December 15, 2018 January 1, 2019 applied the standard by recording a cumulative effect adjustment at that date. may 2016 02 $3.2 $3.7 12, 8, 10 ASU 2017 08, 310 not 2017 08 December 15, 2018 January 1, 2019 not Accounting Guidance to be Adopted in Future Periods ASU 2016 13, 326 2016 13 not not June 17, 2016, 2016 13 not 2016 13, 2016 13 1934, December 15, 2019, may December 15, 2018, November 15, 2019, 2019 10, 326 815 842 not 2019 10 not December 15, 2022. January 1, 2023. CECL 2016 13 not 1 2 3 4 may ASU 2018 13 820 820, 8: 820 2018 13 December 15, 2019 January 1, 2020 not ASU 2018 15 350 40 2018 15 350 40 2018 15 December 15, 2019 December 15, 2019, January 1, 2020 not ASU 2019 12 740 740. 740 2019 12 not 2019 12 December 15, 2020 December 15, 2021, December 15, 2022, January 1, 2022 not ASU 2020 01 321 323 815 321 321; 321 2020 01 December 15, 2020 December 15, 2021 January 1, 2022 not

Note 3 - Restricted Cash Balanc

Note 3 - Restricted Cash Balances	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Cash and Cash Equivalents Disclosure [Text Block]	Note 3. FNCB is required to maintain average reserve balances as established by the Federal Reserve Bank. The required reserve balance was $ 1.6 December 31, 2019 2018. In addition, FNCB maintains compensating balances at correspondent banks, most of which are not December 31, 2019 and 2018, $1.2 $2.8

Note 4 - Securities

Note 4 - Securities	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 4. Debt Securities The following tables present the amortized cost, gross unrealized gains and losses, and the fair value of FNCB ’s available-for-sale debt securities at December 31, 2019 2018: December 31, 2019 Gross Gross Unrealized Unrealized Amortized Holding Holding Fair (in thousands) Cost Gains Losses Value Available-for-sale debt securities: Obligations of state and political subdivisions $ 115,428 $ 2,694 $ 359 $ 117,763 U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential 79,606 780 92 80,294 Collateralized mortgage obligations - commercial 17,414 320 11 17,723 Mortgage-backed securities 18,142 343 - 18,485 Private collateralized mortgage obligations 25,069 49 43 25,075 Corporate debt securities 7,000 182 - 7,182 Asset-backed securities 5,618 4 1 5,621 Negotiable certificates of deposit 694 2 - 696 Total available-for-sale debt securities $ 268,971 $ 4,374 $ 506 $ 272,839 December 31, 2018 Gross Gross Unrealized Unrealized Amortized Holding Holding Fair (in thousands) Cost Gains Losses Value Available-for-sale debt securities: Obligations of state and political subdivisions $ 154,268 $ 214 $ 2,295 $ 152,187 U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential 35,147 6 946 34,207 Collateralized mortgage obligations - commercial 76,038 - 2,398 73,640 Mortgage-backed securities 24,165 47 278 23,934 Private collateralized mortgage obligations 2,908 7 2 2,913 Corporate debt securities 5,000 14 78 4,936 Asset-backed securities 1,825 - 23 1,802 Negotiable certificates of deposit 2,428 - 15 2,413 Total available-for-sale debt securities $ 301,779 $ 288 $ 6,035 $ 296,032 Except for securities of U.S. government and government-sponsored agencies, there were no 10.0% December 31, 2019 2018. The following table presents the maturity information of FNCB’s available-for-sale debt securities at December 31, 2019. may not not December 31, 2019 Available-for-Sale Amortized Fair (in thousands) Cost Value Amounts maturing in: One year or less $ 2,195 $ 2,201 After one year through five years 49,724 50,936 After five years through ten years 51,056 52,525 After ten years 20,147 19,979 Asset-backed securities 5,618 5,621 Collateralized mortgage obligations 122,089 123,092 Mortgage-backed securities 18,142 18,485 Total $ 268,971 $ 272,839 The following table presents the gross proceeds received and gross realized gains and losses on sales of available-for-sale debt securities for the years ended December 31, 2019 and 2018 . Year Ended December 31, (in thousands) 2019 2018 Available-for-sale debt securities: Gross proceeds received on sales $ 128,233 $ 4,559 Gross realized gains 1,257 - Gross realized losses (30 ) (4 ) The following tables present the number of, fair value and gross unrealized losses of available-for-sale debt securities with unrealized losses at December 31, 2019 and 2018, December 31, 2019 Less than 12 Months 12 Months or Greater Total Number Gross Number Gross Number Gross of Fair Unrealized of Fair Unrealized of Fair Unrealized (dollars in thousands) Securities Value Losses Securities Value Losses Securities Value Losses Obligations of state and political subdivisions 10 $ 19,436 $ 359 - $ - $ - 10 $ 19,436 $ 359 U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential 4 19,934 92 - - - 4 19,934 92 Collateralized mortgage obligations - commercial 1 2,500 11 - - - 1 2,500 11 Mortgage-backed securities - - - - - - - - - Private collateralized mortgage obligations 4 18,990 43 - - - 4 18,990 43 Corporate debt securities - - - - - - - - - Asset-backed securities 2 888 1 - - - 2 888 1 Negotiable certificates of deposit - - - - - - - - - Total 21 $ 61,748 $ 506 - $ - $ - 21 $ 61,748 $ 506 December 31, 2018 Less than 12 Months 12 Months or Greater Total Number Gross Number Gross Number Gross of Fair Unrealized of Fair Unrealized of Fair Unrealized (dollars in thousands) Securities Value Losses Securities Value Losses Securities Value Losses Obligations of state and political subdivisions 3 $ 7,154 $ 205 109 $ 112,563 $ 2,090 112 $ 119,717 $ 2,295 U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential - - - 14 31,414 946 14 31,414 946 Collateralized mortgage obligations - commercial - - - 25 73,640 2,398 25 73,640 2,398 Mortgage-backed securities 1 52 - 6 10,294 278 7 10,346 278 Private collateralized mortgage obligations 1 950 2 - - - 1 950 2 Corporate debt securities 2 2,922 78 - - - 2 2,922 78 Asset-backed securities 1 369 2 1 1,433 21 2 1,802 23 Negotiable certificates of deposit 3 740 3 7 1,673 12 10 2,413 15 Total 11 $ 12,187 $ 290 162 $ 231,017 $ 5,745 173 $ 243,204 $ 6,035 Management evaluates individual securities in an unrealized loss position quarterly for OTTI. As part of its evaluation, management considers, among other things, the length of time a security ’s fair value is less than its amortized cost, the severity of decline, any credit deterioration of the issuer, whether or not not There were 21 securities in an unrealized loss position at December 31, 2019, 10 5 4 2 December 31, 2019 no may December 31, 2019. not not not December 31, 2019. Equity Securities FNCB’s investment in equity securities consists entirely of a mutual fund investment comprised of 1 4 December 31, 2019 2018, $1.0 $80 $109 $920 $891 December 31, 2019 2018. 2016 01, 825 10 January 1, 2018. one $65 The following table presents unrealized and realized gains and losses recognized in net income on equity securities for the years ended December 31, 2019 2018. Year Ended December 31, (in thousands) 2019 2018 Net gain (loss) recognized on equity securities $ 29 $ (27 ) Less: net gains (losses) recognized on equity securities sold - - Unrealized gain (loss) recognized on equity securities held $ 29 $ (27 ) Restricted Securities The following table presents FNCB's investment in restricted securities at December 31, 2019 2018 December 31, (in thousands) 2019 2018 Stock in Federal Home Loan Bank of Pittsburgh $ 3,794 $ 3,113 Stock in Atlantic Community Bankers Bank 10 10 Total restricted securities, at cost $ 3,804 $ 3,123 Management noted no December 31, 2019 2018. Equity Securities without Readily Determinable Fair Values FNCB owns 201,000 2017 $8.25 $1.7 1933, not not not $1.7 December 31, 2019 2018. On December 18, 2019, third 2020, 0.6212 $16.50 25% 75% no December 31, 2019.

Note 5 - Loans

Note 5 - Loans	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 5. The following table summarizes loans receivable, net, by category at December 31, 2019 and 2018: December 31, (in thousands) 2019 2018 Residential real estate $ 170,723 $ 164,833 Commercial real estate 278,379 262,778 Construction, land acquisition and development 47,484 20,813 Commercial and industrial 147,623 150,962 Consumer 138,239 176,784 State and political subdivisions 43,908 59,037 Total loans, gross 826,356 835,207 Unearned income (69 ) (70 ) Net deferred loan costs 2,192 3,963 Allowance for loan and lease losses (8,950 ) (9,519 ) Loans, net $ 819,529 $ 829,581 FNCB has granted loans, letters of credit and lines of credit to certain of its executive officers and directors as well as to certain of their related parties. For more information about related party transactions, refer to Note 11, For information about credit concentrations within FNCB ’s loan portfolio, refer to Note 12, FNCB originates 1 4 December 31, 2019 2018 1 4 $9.6 $253 2019 $210 2018. December 31, 2019 December 31, 2018, $1.1 $820 1 4 For the year ended December 31, 2018, $5.7 $322 2018. no 31, 2019. $106.0 $108.4 December 31, 2019 2018, FNCB does not FNCB provides for loan losses based on the consistent application of its documented ALLL methodology. Loan losses are charged to the ALLL and recoveries are credited to it. Additions to the ALLL are provided by charges against income based on various factors which, in management ’s judgment, deserve current recognition of estimated probable losses. Loan losses are charged-off in the period the loans, or portions thereof, are deemed uncollectible. Generally, FNCB will record a loan charge-off (including a partial charge-off) to reduce a loan to the estimated recoverable amount based on its methodology detailed below. Management regularly reviews the loan portfolio and makes adjustments for loan losses in order to maintain the ALLL in accordance with GAAP. The ALLL consists primarily of the following two ( 1 Specific allo wances are established for impaired loans, which FNCB defines as all loan relationships with an aggregate outstanding balance greater than $100 - accrual, loans rated doubtful or loss, and all TDRs. The amount of impairment provided for as an allowance is represented by the deficiency, if any, between the carrying value of the loan and either (a) the present value of expected future cash flows discounted at the loan’s effective interest rate, (b) the loan’s observable market price, or (c) the fair value of the underlying collateral, less estimated costs to sell, for collateral dependent loans. Impaired loans that have no not ( 2 General allowances are established for loan losses on a portfolio basis for loans that do not As part of its evaluation, management considers qualitative and environmental factors, including, but not ● changes in national, local, and business economic conditions and developments, including the condition of various market segments; ● changes in the nature and volume of the loa n portfolio; ● changes in lending policies and procedures, including underwriting standards, collection, charge-off and recovery practices and results; ● changes in the experience, ability and depth of lending management and staff; ● changes in the quality of the loan review system and the degree of oversight by the Board of Directors; ● changes in the trend of the volume and severity of past due and classified loans, including trends in the volume of non-accrual loans, TDRs and other loan modifications; ● the e xistence and effect of any concentrations of credit and changes in the level of such concentrations; ● the effect of external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the current loan portf olio; and ● analysis of customers ’ credit quality, including knowledge of their operating environment and financial condition. Management evaluates the credit quality of the loan portfolio on an ongoing basis, and performs a formal review of the adequacy of the ALLL on a quarterly basis. This evaluation is inherently subjective, as it requires material estimates that may may ’s operating results or financial condition. While management uses the best information available to make its evaluations, future adjustments to the ALLL may may The following tables present, by loan category, the activity in the ALLL and the allocation of the ALLL and related loan balance disaggregated based on impairment methodology at December 31, 2019 2018 Allowance for Loan and Lease Losses by Loan Category December 31, 2019 (in thousands) Residential Real Estate Commercial Real Estate Construction, Land Acquisition and Development Commercial and Industrial Consumer State and Political Subdivisions Unallocated Total Allowance for loan losses: Beginning balance, January 1, 2019 $ 1,175 $ 3,107 $ 188 $ 2,552 $ 2,051 $ 417 $ 29 $ 9,519 Charge-offs (27 ) - (18 ) (1,258 ) (1,311 ) - - (2,614 ) Recoveries 9 32 82 364 761 - - 1,248 Provisions (credits) (10 ) 59 19 339 157 (164 ) 397 797 Ending balance, December 31, 2019 $ 1,147 $ 3,198 $ 271 $ 1,997 $ 1,658 $ 253 $ 426 $ 8,950 Specific reserve $ 9 $ 221 $ - $ 242 $ 1 $ - $ - $ 473 General reserve $ 1,138 $ 2,977 $ 271 $ 1,755 $ 1,657 $ 253 $ 426 $ 8,477 Loans receivable: Individually evaluated for impairment $ 2,711 $ 11,640 $ 76 $ 1,164 $ 195 $ - $ - $ 15,786 Collectively evaluated for impairment 168,012 266,739 47,408 146,459 138,044 43,908 - 810,570 Total loans, gross at December 31, 2019 $ 170,723 $ 278,379 $ 47,484 $ 147,623 $ 138,239 $ 43,908 $ - $ 826,356 Allowance for Loan and Lease Losses by Loan Category December 31, 2018 (in thousands) Residential Real Estate Commercial Real Estate Construction, Land Acquisition and Development Commercial and Industrial Consumer State and Political Subdivisions Unallocated Total Allowance for loan losses: Beginning balance, January 1, 2018 $ 1,236 $ 3,499 $ 209 $ 2,340 $ 1,395 $ 355 $ - $ 9,034 Charge-offs (63 ) (1,845 ) - (97 ) (1,134 ) - - (3,139 ) Recoveries 135 42 30 291 576 - - 1,074 Provisions (credits) (133 ) 1,411 (51 ) 18 1,214 62 29 2,550 Ending balance, December 31, 2018 $ 1,175 $ 3,107 $ 188 $ 2,552 $ 2,051 $ 417 $ 29 $ 9,519 Specific reserve $ 14 $ 41 $ - $ 600 $ 2 $ - $ - $ 657 General reserve $ 1,161 $ 3,066 $ 188 $ 1,952 $ 2,049 $ 417 $ 29 $ 8,862 Loans receivable: Individually evaluated for impairment $ 1,847 $ 9,408 $ 82 $ 697 $ 383 $ - $ - $ 12,417 Collectively evaluated for impairment 162,986 253,370 20,731 150,265 176,401 59,037 - 822,790 Total loans, gross at December 31, 2018 $ 164,833 $ 262,778 $ 20,813 $ 150,962 $ 176,784 $ 59,037 $ - $ 835,207 Credit Quality Indicators – Commercial Loans Management continuously monitors and evaluates the credit quality of FNCB ’s commercial loans by regularly reviewing certain credit quality indicators. Management utilizes credit risk ratings as the key credit quality indicator for evaluating the credit quality of FNCB’s loan receivables. FNCB ’s commercial loan classification and credit grading processes are part of the lending, underwriting, and credit administration functions to ensure an ongoing assessment of credit quality. FNCB maintains a formal, written loan classification and credit grading system that includes a discussion of the factors used to assign appropriate classifications of credit grades to loans. The risk grade groupings provide a mechanism to identify risk within the loan portfolio and provide management and the board of directors with periodic reports by risk category. The process also identifies groups of loans that warrant the special attention of management. Accurate and timely loan classification and credit grading is a critical component of loan portfolio management. Loan officers are required to review their loan portfolio risk ratings regularly for accuracy. In addition, the credit risk ratings play an important role in the loan review function, as well as the establishment and evaluation of the provision for loan and lease losses and the ALLL. The loan review function uses the same risk rating system in the loan review process. Quarterly, FNCB engages an independent third ’s and management’s assessment. FNCB ’s loan rating system assigns a degree of risk to commercial loans based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. Management analyzes these non-homogeneous loans individually by grading the loans as to credit risk and probability of collection for each type of loan. Commercial and industrial loans include commercial indirect auto loans which are not not 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. This analysis is performed on a quarterly basis using the following definitions for risk ratings: Pass – Assets rated 1 5 no not Special Mention – Assets classified as special mention do not not Substandard – Assets classified as substandard have well defined weaknesses based on objective evidence, and are characterized by the distinct possibility that FNCB will sustain some loss if the deficiencies are not Doubtful – Assets classified as doubtful have all the weaknesses inherent in those classified as substandard with the added characteristic that such weaknesses make collection or liquidation in full highly questionable and improbable based on current circumstances. Loss – Assets classified as loss are those considered uncollectible and of such little value that their continuance as assets is not Credit Quality Indicators – Other Loans Certain residential real estate loans, consumer loans, and commercial indirect auto loans are monitored on a pool basis due to their homogeneous nature. Loans that are delinquent 90 The following tables present the recorded investment in loans receivable by loan category and credit qualit y indicator at December 31, 2019 2018: Credit Quality Indicators December 31, 2019 Commercial Loans Other Loans Special Subtotal Accruing Non-accrual Subtotal Total Pass Mention Substandard Doubtful Loss Commercial Loans Loans Other Loans Residential real estate $ 32,219 $ 177 $ 307 $ - $ - $ 32,703 $ 136,709 $ 1,311 $ 138,020 $ 170,723 Commercial real estate 266,112 1,668 10,599 - - 278,379 - - - 278,379 Construction, land acquisition and development 46,361 - - - - 46,361 1,123 - 1,123 47,484 Commercial and industrial 140,589 426 1,484 - - 142,499 5,124 - 5,124 147,623 Consumer 3,111 - - - - 3,111 134,457 671 135,128 138,239 State and political subdivisions 43,908 - - - - 43,908 - - - 43,908 Total $ 532,300 $ 2,271 $ 12,390 $ - $ - $ 546,960 $ 277,413 $ 1,982 $ 279,395 $ 826,356 Credit Quality Indicators December 31, 2018 Commercial Loans Other Loans Special Subtotal Accruing Non-accrual Subtotal Total Pass Mention Substandard Doubtful Loss Commercial Loans Loans Other Loans Residential real estate $ 33,573 $ 291 $ 154 $ - $ - $ 34,018 $ 130,132 $ 683 $ 130,815 $ 164,833 Commercial real estate 250,674 1,858 10,246 - - 262,778 - - - 262,778 Construction, land acquisition and development 17,704 - 757 - - 18,461 2,352 - 2,352 20,813 Commercial and industrial 137,888 4,193 2,448 - - 144,529 6,421 12 6,433 150,962 Consumer 2,024 - - - - 2,024 174,373 387 174,760 176,784 State and political subdivisions 57,345 1,665 27 - - 59,037 - - - 59,037 Total $ 499,208 $ 8,007 $ 13,632 $ - $ - $ 520,847 $ 313,278 $ 1,082 $ 314,360 $ 835,207 Included in loans receivable are loans for which the accrual of interest income has been discontinued due to deterioration in the financial condition of the borrowers. The recorded investment in these non-accrual loans was $9.1 million December 31, 2019 $4.7 December 31, 2018 90 six no may may 90 no 90 December 31, 2019 2018. The following tables present the delinquency status of past due and non-accrual loans at December 31, 2019 2018: December 31, 2019 Delinquency Status 0-29 Days 30-59 Days 60-89 Days >/= 90 Days (in thousands) Past Due Past Due Past Due Past Due Total Performing (accruing) loans: Residential real estate $ 168,754 $ 134 $ 261 $ - $ 169,149 Commercial real estate 272,561 75 106 - 272,742 Construction, land acquisition and development 47,484 - - - 47,484 Commercial and industrial 146,221 200 - - 146,421 Consumer 135,384 1,695 489 - 137,568 State and political subdivisions 43,908 - - - 43,908 Total performing (accruing) loans 814,312 2,104 856 - 817,272 Non-accrual loans: Residential real estate 873 17 228 456 1,574 Commercial real estate 2,520 893 434 1,790 5,637 Construction, land acquisition and development - - - - - Commercial and industrial 943 - 114 145 1,202 Consumer 193 93 38 347 671 State and political subdivisions - - - - - Total non-accrual loans 4,529 1,003 814 2,738 9,084 Total loans receivable $ 818,841 $ 3,107 $ 1,670 $ 2,738 $ 826,356 December 31, 2018 Delinquency Status 0-29 Days 30-59 Days 60-89 Days >/= 90 Days (in thousands) Past Due Past Due Past Due Past Due Total Performing (accruing) loans: Residential real estate $ 163,690 $ 319 $ 136 $ - $ 164,145 Commercial real estate 259,904 - - - 259,904 Construction, land acquisition and development 20,813 - - - 20,813 Commercial and industrial 150,108 87 20 - 150,215 Consumer 173,890 2,221 286 - 176,397 State and political subdivisions 59,037 - - - 59,037 Total performing (accruing) loans 827,442 2,627 442 - 830,511 Non-accrual loans: Residential real estate 443 - 136 109 688 Commercial real estate 1,061 - - 1,813 2,874 Construction, land acquisition and development - - - - - Commercial and industrial 677 50 - 20 747 Consumer 91 61 74 161 387 State and political subdivisions - - - - - Total non-accrual loans 2,272 111 210 2,103 4,696 Total loans receivable $ 829,714 $ 2,738 $ 652 $ 2,103 $ 835,207 The following tables present a distribution of the recorded investment, unpaid principal balance and the related allowance for FNCB’s impaired loans, which have been analyzed for impairment under ASC 310, December 31, 2019 2018. $100 not not 450. $100 450 $1.0 $0.7 December 31, 2019 2018, respectively. December 31, 2019 Recorded Unpaid Principal Related (in thousands) Investment Balance Allowance With no allowance recorded: Residential real estate $ 1,217 $ 1,303 $ - Commercial real estate 4,548 6,007 - Construction, land acquisition and development 76 76 - Commercial and industrial 593 850 - Consumer 23 26 - State and political subdivisions - - - Total impaired loans with no related allowance recorded 6,457 8,262 - With a related allowance recorded: Residential real estate 1,494 1,494 9 Commercial real estate 7,092 7,811 221 Construction, land acquisition and development - - - Commercial and industrial 571 573 242 Consumer 172 172 1 State and political subdivisions - - - Total impaired loans with a related allowance recorded 9,329 10,050 473 Total of impaired loans: Residential real estate 2,711 2,797 9 Commercial real estate 11,640 13,818 221 Construction, land acquisition and development 76 76 - Commercial and industrial 1,164 1,423 242 Consumer 195 198 1 State and political subdivisions - - - Total impaired loans $ 15,786 $ 18,312 $ 473 December 31, 2018 Recorded Unpaid Principal Related (in thousands) Investment Balance Allowance With no allowance recorded: Residential real estate $ 313 $ 375 $ - Commercial real estate 7,149 8,795 - Construction, land acquisition and development 82 82 - Commercial and industrial - - - Consumer 26 28 - State and political subdivisions - - - Total impaired loans with no related allowance recorded 7,570 9,280 - With a related allowance recorded: Residential real estate 1,534 1,534 14 Commercial real estate 2,259 2,259 41 Construction, land acquisition and development - - - Commercial and industrial 697 697 600 Consumer 357 357 2 State and political subdivisions - - - Total impaired loans with a related allowance recorded 4,847 4,847 657 Total of impaired loans: Residential real estate 1,847 1,909 14 Commercial real estate 9,408 11,054 41 Construction, land acquisition and development 82 82 - Commercial and industrial 697 697 600 Consumer 383 385 2 State and political subdivisions - - - Total impaired loans $ 12,417 $ 14,127 $ 657 The following table presents the average balance of, and interest income recognized on, impaired loans summarized by loan category for the years ended December 31, 2019 2018 Year Ended December 31, 2019 2018 Average Interest Average Interest (in thousands) Balance Income (1) Balance Income (1) Residential real estate $ 2,157 $ 84 $ 1,827 $ 83 Commercial real estate 10,092 297 8,580 311 Construction, land acquisition and development 79 5 83 5 Commercial and industrial 1,207 1 759 1 Consumer 243 11 388 17 State and political subdivisions - - - - Total impaired loans $ 13,778 $ 398 $ 11,637 $ 417 ( 1 The additional interest income that would have been earned on non-accrual and restructured loans had these loans performed in accordance with their original terms approximated $0.4 $0.2 December 31, 2019 and 2018, respectively. Troubled Debt Restructured Loans TDRs at December 31, 2019 and 2018 $9.1 $9.2 $7.7 $1.4 , December 31, 2019 $8.5 $0.7 December 31, 2018. $97 $651 December 31, 2019 2018, not December 31, 2019 2018. The modification of the terms of loans classified as TDRs may one There were no December 31, 2018. December 31, 2019 : Year Ended December 31, 2019 Pre-Modification Outstanding Recorded Investment by Type of Modification (in thousands) Number of Contracts Extension of Term Extension of Term and Capitalization of Taxes Capitalization of Taxes Principal Forbearance Total Post-Modification Outstanding Recorded Investment Loan category: Residential real estate 4 $ 24 $ - $ 42 $ 208 $ 274 $ 289 Commercial real estate 2 432 178 - - 610 644 Construction, land acquisition and development - - - - - - - Commercial and industrial 4 933 - - - 933 932 Consumer - - - - - - - State and political subdivisions - - - - - - - Total modifications 10 $ 1,389 $ 178 $ 42 $ 208 $ 1,817 $ 1,865 There were no 12 December 31, 2019 2018. Residential Real Estate Loan Foreclosures There was one $154 December 31, 2019. two $256 December 31, 2019. One 2019. $204 December 31, 2019. There were two in the process of foreclosure at December 31, 2018. There was no one no December 31, 2018, and there was one residential real estate property with a carrying value of $45

Note 6 - Bank Premises and Equi

Note 6 - Bank Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	Note 6. The following table summarizes bank premises and equipment at December 31, 2019 and 2018: December 31, (in thousands) 2019 2018 Land $ 3,537 $ 3,383 Buildings and improvements 12,798 10,865 Furniture, fixtures and equipment 11,551 10,178 Leasehold improvements 3,578 3,601 Total 31,464 28,027 Accumulated depreciation (13,946 ) (13,602 ) Net $ 17,518 $ 14,425 Depreciation and amortization expense of premises and equipment amounted to $ 1.4 December 31, 2019 and 2018 On September 27, 2018, 360 $550 not six December 14, 2018 second 2019. On November 5, 2018, 102 100 second 2019, $2.0

Note 7 - Deposits

Note 7 - Deposits	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note 7. The following table summarizes deposits by major category at December 31, 2019 2018: December 31, (in thousands) 2019 2018 Demand (non-interest bearing) $ 179,465 $ 156,600 Interest-bearing: Interest-bearing demand 534,677 557,803 Savings 94,530 92,078 Time ($250,000 and over) 48,425 56,659 Other time 144,612 232,489 Total interest-bearing 822,244 939,029 Total deposits $ 1,001,709 $ 1,095,629 The aggregate amount of deposits reclassified as loans was $62 thousand at December 31, 2019 $36 December 31, 2018. 2019 2018, no The following table summarizes scheduled maturities of time deposits, including certificates of deposit and individual retirement accounts, at December 31, 2019 : $250,000 Other (in thousands) and Over Time Deposits Total 2020 41,009 93,903 134,912 2021 6,126 38,823 44,949 2022 1,290 5,547 6,837 2023 - 2,687 2,687 2024 3,652 3,652 2025 and thereafter - - - Total $ 48,425 $ 144,612 $ 193,037 Investment securities with a carrying value of $235.0 million and $286.4 December 31, 2019 2018, $60.0 $47.5 December 31, 2019 2018,

Note 8 - Borrowed Funds

Note 8 - Borrowed Funds	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Debt Disclosure [Text Block]	Note 8. Short-term borrowings available to FNCB include overnight FHLB of Pittsburgh advances, federal funds lines of credit 30 ’s maximum borrowing capacity under federal funds lines of credit and the Federal Reserve Discount Window was $40.0 $11.4 December 31, 2019. $22.9 December 31, 2019. FNCB has an agreement with the FHLB of Pittsburgh which allows for borrowings, either overnight or term, up to a maximum borrowing capacity based on a percentage of qualifying loans pledged under a blanket pledge agreement. Loans of $475.3 million and $492.3 December 31, 2019 2018, $333.3 December 31, 2019, $32.8 nine two $14.1 $60.0 outstanding As of and for the Year Ended December 31, 2019 Weighted Weighted Maximum Average Average Ending Average Month-End Rate for Rate at (dollars in thousands) Balance Balance Balance the Year Period End FHLB of Pittsburgh advances - overnight $ 14,100 $ 14,971 $ 59,825 2.58 % 1.80 % FHLB of Pittsburgh advances - term 32,809 37,831 65,171 2.26 % 1.86 % Federal funds - 8 - - - Federal reserve discount window advances - - - - - Subordinated debentures - 520 5,000 4.50 % - % Junior subordinated debentures 10,310 10,310 10,310 4.17 % 3.56 % As of and for the Year Ended December 31, 2018 Weighted Weighted Maximum Average Average Ending Average Month-End Rate for Rate at (dollars in thousands) Balance Balance Balance the Year Period End FHLB of Pittsburgh advances - overnight $ 6,600 $ 45,066 $ 103,250 2.05 % 2.65 % FHLB of Pittsburgh advances - term 12,330 59,197 101,661 1.86 % 1.77 % Federal funds - - - - - Federal reserve discount window advances - - - - - Subordinated debentures 5,000 5,000 5,000 4.50 % 4.50 % Junior subordinated debentures 10,310 10,310 10,310 3.88 % 4.46 % On December 14, 2006, $10.0 7.02%, December 15, 2036. 100.0% Issuing Trust. The proceeds from the issue were invested in $10.3 7.02% 1.67% 3 4.17 2019 3.88 2018 twenty December 15, 2011. $10.3 December 31, 2019 2018 December 31, 2019 2018. December 31, 2019 2018, $16 $19 On September 1, 2009, $25.0 September 1, 2019 ( July 1, 2015, 9% first third June 30, 2015, 9.00% 4.50% July 1, 2015 June 30, 2015, 44% $11.0 June 30, 2015, $14.0 16% $4.0 September 1, 2017; ( 20% $5.0 September 1, 2018; 20% $5.0 September 1, 2019, October 28, 2016, $4.0 $4.0 September 1, 2017, December 1, 2016. On July 27, 2017, $5.0 $5.0 September 1, 2018, September 1, 2017. $5.0 December 31, 2018. $19 December 31, 2018 31, 2018, 30, 2019, $5.0 $5.0 1, 2019, 1, 2018 7, 2019, 8, 2019. The following table presents maturities of borrowed funds and the weighted-average rate by contractual maturity date at December 31, 2019: December 31, 2019 Weighted Average (in thousands) Amount Interest Rate 2020 $ 21,387 1.73 % 2021 25,522 1.93 % 2022 - - 2023 - - 2024 - - 2025 and thereafter 10,310 3.56 % Total $ 57,219 2.15 %

Note 9 - Benefit Plans

Note 9 - Benefit Plans	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Compensation and Employee Benefit Plans [Text Block]	Note 9. The Bank has a defined contribution profit sharing plan (“Profit Sharing Plan”) which includes the provision under section 401 “401 ’s contribution to the plan is determined at management’s discretion at the end of each year and funded. The 401 may no 2019 2018 401 $305 2019 $298 2018. The Bank has an unfunded non-qualified deferred compensation plan covering all eligible Bank officers and directors as defined by the plan. This plan permits eligible participants to elect to defer a portion of their compensation. Elective deferred compensation and accrued earnings, included in other liabilities in the accompanying consolidated statements of financial condition, aggregated $2.0 December 31, 2019 and $3.2 December 31, 2018. The Bank has a Supplemental Executive Retirement Plan (“SERP”) for a select group of management or highly compensated employees within the meaning of Sections 201 2 301 3 401 1 1974. $173 2019 $108 2018 $6 57 December 31, 2019 $557 December 31, 2018.

Note 10 - Income Taxes

Note 10 - Income Taxes	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Income Tax Disclosure [Text Block]	Note 10. The following table summarizes the current and deferred amounts of the provision for income tax expense (benefit) for each of the two December 31, 2019 2018 For the Year Ended December 31, (in thousands) 2019 2018 Current $ - $ (2,764 ) Deferred 2,326 5,835 Income tax expense $ 2,326 $ 3,071 The following table presents a reconciliation between the effective income tax expense and the income tax expense that would have been provided at the federal statutory tax rate of 21.0% December 31, 2019 December 31, 2018 For the Year Ended December 31, (in thousands) 2019 2018 Provision at statutory tax rates $ 2,814 $ 3,448 Add (deduct): Tax effects of non-taxable income (344 ) (378 ) Non-deductible interest expense 19 15 Bank-owned life insurance (109 ) (117 ) Other items, net (54 ) 103 Income tax expense $ 2,326 $ 3,071 The following table summarizes the components of the net deferred tax asset at December 31, 2019 and 2018: December 31, (in thousands) 2019 2018 Allowance for loan and lease losses $ 2,027 $ 2,052 Deferred compensation 592 817 Unrealized holding losses on securities available-for-sale - 1,207 Lease liability 729 - Other real estate owned valuation 33 125 Deferred intangible assets 166 300 Employee benefits 192 102 Accrued rent expense - 72 Accrued vacation 42 36 Deferred income - 51 Depreciation 10 51 Net operating loss carryover 4,348 6,291 Gross deferred tax assets 8,139 11,104 Deferred loan origination costs (143 ) (192 ) Unrealized holding gains on securities available-for-sale (812 ) - Right of use asset (660 ) - Deferred income (22 ) - Accrued interest (224 ) (219 ) Gross deferred tax liabilities (1,861 ) (411 ) Net deferred tax assets $ 6,278 $ 10,693 At December 31, 2019 $20.7 2035 not $4.3 31, 2019. Management evaluates the carrying amount of its deferred tax assets on a quarterly basis, or more frequently if necessary, in accordance with guidance set forth in ASC Topic 740 not not In evaluating available evidence, management considers, among other factors, historical financial performance, expectation of future earnings, the ability to carry back losses to recoup taxes previously paid, length of statutory carry forward periods, experience with operating loss and tax credit carry forwards not not not December 31, 2019,

Note 11 - Related Party Transac

Note 11 - Related Party Transactions	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	Note 11. In conducting its business, FNCB has engaged in, and intends to continue to engage in, banking and financial transactions with directors, executive officers and their related parties. FNCB has granted loans, letters of credit and lines of credit to directors, executive officers and their related parties. The following table summarizes the changes in the total amounts of such outstanding loans, advances under lines of credit, net of any participations sold, as well as repayments during the years ended December 31, 2019 2018: For the Year Ended December 31, (in thousands) 2019 2018 Balance January 1, $ 64,634 $ 55,576 Additions, new loans and advances 93,871 87,015 Repayments (80,609 ) (77,957 ) Balance December 31, $ 77,896 $ 64,634 At December 31, 2019, no not Deposits from directors, executive officers and their related parties held by the Bank at December 31, 2019 and 2018 $84.1 $115.5 $484 2019 $348 thousand in 2018. In the course of its operations, FNCB acquires goods and services from, and transacts business with, various companies of related parties, which include, but are not 2.4 $2.5 2019 2018 On February 8, 2019, $5.0 September 1, 2019, $3.1 no December 31, 2019. $3.1 December 31, 2018. $24 $141 December 31, 2019 2018, $12 December 31, 2018.

Note 12 - Commitments, Continge

Note 12 - Commitments, Contingencies and Concentrations	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	Note 12. Leases FNCB is obligated under operating leases for certain bank branches, office space, automobiles and equipment. Operating lease right of use ("ROU") assets represent FNCB's right to use an underlying asset during the lease term and operating liabilities represent its obligation to make lease payments under the lease agreement. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents FNCB's incremental borrowings rate at the commencement date. ROU assets are included in other assets and operating lease liabilities are included in other liabilities in the consolidated statements of financial condition. As of December 31, 2019 $3.1 $3.5 The following table summarizes the components of FNCB's operating lease expense for the year ended December 31, 2019. $418 2019. (in thousands) For the Year Ended December 31, 2019 Operating lease cost - bank branches $ 343 Operating lease cost - automobiles and equipment 31 Short-term lease cost - office space 42 Short-term lease cost - automobiles and equipment 2 Variable lease cost - Total lease cost $ 418 The following table summarizes the maturity of remaining operating lease liabilities as of December 31, 2019: (in thousands) December 31, 2019 2020 $ 387 2021 353 2022 331 2023 323 2024 287 2025 and thereafter 2,813 Total lease payments 4,494 Less: imputed interest 1,023 Present value of operating lease liabilities $ 3,471 The following table presents other information related to FNCB's operating leases: (dollars in thousands) December 31, 2019 Weighted-average remaining lease term 14.3 years Weighted-average discount rate 3.45 % Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 385 The following table presents the minimum future obligations under non-cancelable leases in effect at December 31, 2018: Minimum Future Lease Payments December 31, 2018 (in thousands) Facilities Vehicles & Equipment Total 2019 $ 385 $ 13 $ 398 2021 313 1 314 2022 287 - 287 2023 265 - 265 2024 223 - 223 2025 and thereafter 820 - 820 Total $ 2,293 $ 14 $ 2,307 Total rental expense under leases amounted to $492 2018. Financial Instruments with off-balance sheet commitments FNCB 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 standby letters of credit that involve varying degrees of credit, interest rate or liquidity risk in excess of the amount recognized in the balance sheet. FNCB ’s exposure to credit loss from nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. Financial instruments whose contract amounts represent credit risk at December 31, 2019 and 2018 December 31, (in thousands) 2019 2018 Commitments to extend credit $ 275,891 $ 181,322 Standby letters of credit 15,081 15,121 In order to provide for probable losses inherent in these instruments, FNCB recorded reserves for unfunded commitments of $703 $255 December 31, 2019 2018, Commitments to extend credit are agreements to lend to customers in accordance with contractual provisions. These commitments usually are for specific periods or contain termination clauses and may not Letters of credit and financial guarantees are agreements whereby FNCB guarantees the performance of a customer to a third may ’s evaluation of the creditworthiness of each customer. The credit exposure assumed in issuing letters of credit is essentially equal to that in other lending activities. Federal Home Loan Bank — Mortgage Partnership Finance (“MPF”) Program Under a secondary market loan servicing program with the FHLB, FNCB, in exchange for a monthly fee, provides a credit enhancement guarantee to the FHLB for foreclosure losses in excess of a defined First Loss Account (“FLA”) balance, up to specified amounts. At December 31, 2019, $21.5 first December 31, 2019, $902 $64 . no December 31, 2019 2018. Concentrations of Credit Risk Cash Concentrations: The Bank maintains cash balances at several correspondent banks. FNCB engages in a primary correspondent banking relationship with Compass Bank. At December 31, 2019 2018, $1.1 $2.7 no $250 December 31, 2019 2018 . Loan Concentrations: FNCB attempts to limit its exposure to concentrations of credit risk by diversifying its loan portfolio and closely monitoring any concentrations of credit risk. The commercial real estate and construction, land acquisition and development portfolios comprise $325.6 million, or 39.4 December 31, 2019. Northeastern Pennsylvania a $24.3 2.9 December 31, 2019. FNCB considers an industry concentration within the loan portfolio to exist if the aggregate loan balance outstanding for that industry exceeds 25.0% ’s loan portfolio by industry at December 31, 2019 2018: December 31, 2019 December 31, 2018 % of % of (in thousands) Amount Gross Loans Amount Gross Loans Retail space/shopping centers $ 43,865 5.31 % $ 48,021 5.75 % 1-4 family residential investment properties 38,122 4.61 % 38,756 4.64 % Physicians 26,739 * 3.24 % 25,379 3.04 % * Not Litigation FNCB has been subject to tax audits, and is also a party to routine litigation involving various aspects of its business, such as employment practice claims, workers compensation claims, claims to enforce liens, condemnation proceedings on properties in which FNCB holds security interests, claims involving the making and servicing of real property loans and other issues incident to its business, none

Note 13 - Stock Compensation Pl

Note 13 - Stock Compensation Plans	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	Note 13. FNCB had an Employee Stock Incentive Plan (the “Stock Incentive Plan”), under which options were granted to key officers and other employees of FNCB. The Stock Incentive Plan expired on August 30, 2010. no 5, 2019, 19,200 December 31, 2019 and 2018 The following table summarizes the changes in the status of FNCB ’s Stock Incentive Plan: For the Years Ended December 31, 2019 2018 Weighted Weighted Average Average Exercise Exercise Shares Price Shares Price Stock options outstanding at the beginning of the year 19,200 $ 10.81 19,200 $ 10.81 Granted - - - - Exercised - - - - Forfeited (19,200 ) $ 10.81 - - Stock options outstanding at the end of the year - $ - 19,200 $ 10.81 Options exercisable at year end - $ - 19,200 $ 10.81 Weighted average fair value of options granted during the year $ - $ - Stock-based compensation expense $ - $ - At December 31, 2018 no no FNCB has a Long-Term Incentive Compensation Plan (“LTIP”) for directors, executive officers and key employees. The LTIP authorizes up to 1,200,000 granted awards, comprised solely of shares of restricted stock, to executives and certain key employees under the terms of the LTIP of 57,684 2019 57,829 2018. The following table summarizes the activity related to FNCB ’s unvested restricted stock awards during the years ended December 31, 2019 and 2018. For the Years Ended December 31, 2019 2018 Weighted- Weighted- Average Average Restricted Grant Date Restricted Grant Date Shares Fair Value Shares Fair Value Unvested restricted stock awards at January 1, 114,702 $ 7.50 106,129 $ 6.23 Awards granted 57,684 7.64 57,829 8.54 Forfeitures (6,678 ) 7.61 (2,898 ) 7.25 Vestings (37,558 ) 6.80 (46,358 ) 5.93 Unvested restricted stock awards at December 31, 128,150 $ 7.76 114,702 $ 7.50 For the years ended December 31, 2019 and 2018 255 2019 $279 2018. December 31, 2019 and 2018 $809 $675 3.7 On July 1, 2019, 1,956 ten 19,560 $7.67 $150 December 31, 2019. At December 31, 2019, 869,726

Note 14 - Regulatory Matters &

Note 14 - Regulatory Matters & Subsequent Event	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 14. On January 28, 2019, February 8, 2019, 3,285,550 428,550 $7.00 $0.35 $21.3 first 2019, $17.8 FNCB’s ability to pay dividends to its shareholders is largely dependent on the Bank’s ability to pay dividends to FNCB. Bank regulations limit the amount of dividends that may 2019 2018 0.20 $0.17 31, 2019 2018 7,369 17,050 December 31, 2019 2018, December 31, 2019, January 22, 2020, $0.055 March 16, 2020 March 2, 2020 2018, $1 $3 December 31, 2019, Basel III Transitional rules became effective for FNCB Bank on January 1, 2015 January 1, 2019. ● a total capital ratio of 8.00% ● a Tier I risk-based capital ratio of 6.00% 4.00% ● a new common equity Tier I risk-based capital ratio of 4.50%; ● a Tier I capital to average assets (“Tier I leverage ratio”) of 4.00% The Bank is required to maintain a "capital conservation buffer," composed entirely of common equity Tier I capital, in addition to minimum risk-based capital ratios, in order to avoid limitations on capital distributions (including dividend payments and certain discretionary bonus payments to executive officers). The required capital conservation buffer was 2.500 % 2019 1.875% 2018. no January 1, 2015 four 40% January 1, 2015; ii.) 60% January 1, 2016; 20% November 21, 2017, January 1, 2018. Management believes December 31, 2019. Additionally, ● a total risk-based capital ratio of 10.00% ● a Tier I risk-based capital ratio of 8.00% 6.00% ● a new common equity Tier I risk-based capital ratio of 6.50%; ● a Tier I leverage ratio of 5.00%. Current quantitative measures established by regulation to ensure capital adequacy require FNCB Bank to maintain minimum amounts and ratios (set forth in the table below) of Total capital, Tier I capital, and Tier I common equity (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). The following tables present summary information regarding the Bank’s risk-based capital and related ratios at December 31, 2019 2018: FNCB Bank Minimum Required For Capital Adequacy Purposes Minimum Required For Capital Adequacy Purposes with Conservation Buffer Minimum Required To Be Well Capitalized Under Prompt Corrective Action Regulations (dollars in thousands) Amount Ratio Ratio Ratio Ratio December 31, 2019 Total capital (to risk-weighted assets) $ 133,406 14.77 % 8.00 % 10.50 % 10.00 % Tier I capital (to risk-weighted assets) 123,753 13.70 % 6.00 % 8.50 % 8.00 % Tier I common equity (to risk-weighted assets) 123,753 13.70 % 4.50 % 7.00 % 6.50 % Tier I capital (to average assets) 123,753 10.36 % 4.00 % 4.000 % 5.00 % Total risk-weighted assets 903,172 Total average assets 1,194,789 FNCB Bank Minimum Required For Capital Adequacy Purposes Minimum Required For Capital Adequacy Purposes with Conservation Buffer Minimum Required To Be Well Capitalized Under Prompt Corrective Action Regulations (dollars in thousands) Amount Ratio Ratio Ratio Ratio December 31, 2018 Total capital (to risk-weighted assets) $ 112,128 12.17 % 8.00 % 9.875 % 10.00 % Tier I capital (to risk-weighted assets) 102,354 11.11 % 6.00 % 7.875 % 8.00 % Tier I common equity (to risk-weighted assets) 102,354 11.11 % 4.50 % 6.375 % 6.50 % Tier I capital (to average assets) 102,354 8.27 % 4.00 % 4.00 % 5.00 % Total risk-weighted assets 921,126 Total average assets 1,238,347

Note 15 - Fair Value Measuremen

Note 15 - Fair Value Measurements	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 15. In determining fair value, FNCB uses various valuation approaches, including market, income and cost approaches. Accounting standards establish a hierarchy for inputs used in measuring fair value that maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that observable inputs be used when available. Observable inputs are inputs that market participants would use in pricing the asset or liability, which are developed based on market data obtained from sources independent of FNCB. Unobservable inputs reflect FNCB ’s knowledge about the assumptions the market participants would use in pricing an asset or liability, which are developed based on the best information available in the circumstances. The fair value hierarchy gives the highest priority to unadjusted quoted market prices in active markets for identical assets or liabilities (Level 1 3 A financial asset or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The fair value hierarchy is broken down into three ● Level 1 valuation is based upon unadjusted quoted market prices for identical instruments traded in active markets; ● Level 2 r instruments traded in markets that are not ● Level 3 ologies including discounted cash flow models and similar techniques that use significant assumptions not A description of the valuation methodologies used for assets recorded at fair value, and for estimating fair value of financial instruments not Available-for-Sale Debt Securities The estimated fair values for FNCB’s investments in obligations of U.S. government agencies, obligations of state and political subdivisions, government-sponsored agency CMOs and mortgage-backed securities, private collateralized mortgage obligations, asset-backed securities and negotiable certificates of deposit are obtained by FNCB from a nationally-recognized pricing service. This pricing service develops estimated fair values by analyzing like securities and applying available market information through processes such as benchmark curves, benchmarking of like securities, sector groupings and matrix pricing (Level 2 may 2 2 not not 2 For those securities for which the inputs used by an independent pricing service were derived from unobservable market information, FNCB evaluated the appropriateness and quality of each price. Management reviewed the volume and level of activity for all classes of securities and attempted to identify transactions which may not may 3 third At December 31, 2019, six $7.0 $7.2 four six December 31, 2019 not not third 3 5.13 5.63 third Equity Securities The estimated fair values of equity securities are determined by obtaining quoted prices on nationally recognized exchanges (Level 1 Assets Measured at Fair Value on a Recurring Basis The following tables present the financial assets that are measured at fair value on a recurring basis at December 31, 2019 2018, Fair Value Measurements at December 31, 2019 Quoted Prices Significant Significant in Active Markets Observable Unobservable for Identical Assets Inputs Inputs (in thousands) Fair Value (Level 1) (Level 2) (Level 3) Available-for-sale debt securities: Obligations of state and political subdivisions $ 117,763 $ - $ 117,763 $ - U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential 80,294 - 80,294 - Collateralized mortgage obligations - commercial 17,723 - 17,723 - Mortgage-backed securities 18,485 - 18,485 - Private collateralized mortgage obligations 25,075 - 25,075 - Corporate debt securities 7,182 - 2,032 5,150 Asset-backed securities 5,621 - 5,621 - Negotiable certificates of deposit 696 - 696 - Total available-for-sale debt securities $ 272,839 $ - $ 267,689 $ 5,150 Equity Securities $ 920 $ 920 $ - $ - Fair Value Measurements at December 31, 2018 Quoted Prices Significant Significant in Active Markets Observable Unobservable for Identical Assets Inputs Inputs (in thousands) Fair Value (Level 1) (Level 2) (Level 3) Available-for-sale debt securities: Obligations of state and political subdivisions $ 152,187 $ - $ 152,187 $ - U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential 34,207 - 34,207 - Collateralized mortgage obligations - commercial 73,640 - 73,640 - Mortgage-backed securities 23,934 - 23,934 - Private collateralized mortgage obligations 2,913 - 2,913 - Corporate debt securities 4,936 - 1,007 3,929 Asset-backed securities 1,802 - 1,802 - Negotiable certificates of deposit 2,413 - 2,413 - Total available-for-sale debt securities $ 296,032 $ - $ 292,103 $ 3,929 Equity Securities $ 891 $ 891 $ - $ - There were no December 31, 2019 and 2018. The following table presents a reconciliation and statement of operations classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3 December 31, 2019 2018. Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Corporate Debt Securities For the Year Ended December 31, (in thousands) 2019 2018 Balance at January 1, $ 3,929 $ 4,058 Additions 1,000 - Payments received - - Sales - - Total gains or losses (realized/unrealized): Included in earnings - - Included in other comprehensive income 221 (129 ) Balance at December 31, $ 5,150 $ 3,929 Assets Measured at Fair Value on a Non-Recurring Basis The following tables present assets and liabilities measured at fair value on a non-recurring basis at December 31, 2019 and 2018, 3 December 31, 2019 Fair Value Measurement Quantitative Information Recorded Valuation Fair Valuation Unobservable Value/ (in thousands) Investment Allowance Value Technique Inputs Range Impaired loans - collateral dependent $ 7,721 $ 376 $ 7,345 Appraisal of collateral Selling costs 10.0% Impaired loans - other 8,065 97 7,968 Discounted cash flows Discount rate 3.99% - 7.49 % Other real estate owned 289 - 289 Appraisal of collateral Selling costs 10.0% December 31, 2018 Fair Value Measurement Quantitative Information Recorded Valuation Fair Valuation Unobservable Value/ (in thousands) Investment Allowance Value Technique Inputs Range Impaired loans - collateral dependent $ 8,020 $ 606 $ 7,414 Appraisal of collateral Selling costs 10.0% Impaired loans - other 4,397 51 4,346 Discounted cash flows Discount rate 3.70% - 7.50% Other real estate owned 919 - 919 Appraisal of collateral Selling costs 10.0% The fair value of collateral-dependent impaired loans is determined through independent appraisals or other reasonable offers, which generally include various Level 3 not may not OREO properties are recorded at fair value less the estimated cost to sell at the date of FNCB ’s acquisition of the property. Subsequent to acquisition of the property, the balance may may The following table summarizes the estimated fair values of FNCB ’s financial instruments at December 31, 2019 2018. not not not may Fair Value December 31, 2019 December 31, 2018 (in thousands) Measurement Carrying Value Fair Value Carrying Value Fair Value Financial assets Cash and short term investments Level 1 $ 34,565 $ 34,565 $ 36,481 $ 36,481 Available-for-sale debt securities See previous table 272,839 272,839 296,032 296,032 Equity securities Level 1 920 920 891 891 Restricted stock Level 2 3,804 3,804 3,123 3,123 Loans held for sale Level 2 1,061 1,061 820 820 Loans, net Level 3 819,529 810,074 829,581 816,234 Accrued interest receivable Level 2 3,234 3,234 3,614 3,614 Equity securities without readily determinable fair values Level 3 1,658 1,658 1,658 1,658 Servicing rights Level 3 356 790 350 878 Financial liabilities Deposits Level 2 1,001,709 1,001,829 1,095,629 1,093,797 Borrowed funds Level 2 57,219 57,234 34,240 34,108 Accrued interest payable Level 2 258 258 338 338

Note 16 - Earnings Per Share

Note 16 - Earnings Per Share	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 16. For FNCB, the numerator of both the basic and diluted earnings per share of common stock is net income available to common shareholders. The weighted average number of common shares outstanding used in the denominator for basic earnings per common share is increased to determine the denominator used for diluted earnings per common share by the effect of potentially dilutive common share equivalents utilizing the treasury stock method. Common share equivalents are outstanding stock options to purchase FNCB’s shares of common stock and unvested restricted stock. The following table presents the calculation of both basic and diluted earnings per share of common stock for the years ended December 31, 2019 and 2018 For the Year Ended December 31, (in thousands, except share data) 2019 2018 Net income $ 11,075 $ 13,349 Basic weighted-average number of common stock outstanding 19,802,095 16,799,004 Plus: common share equivalents 5,497 21,749 Diluted weighted-average number of common stock outstanding 19,807,592 16,820,753 Income per share of common stock: Basic $ 0.56 $ 0.79 Diluted $ 0.56 $ 0.79 For each of the years ended December 31, 2019 2018 December 31, 2018, 19,200 5, 2019,

Note 17 - Other Comprehensive I

Note 17 - Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 17. The following tables summarize the reclassifications out of accumulated other comprehensive (loss) income for the years ended December 31, 2019 and 2018. For the year Ended December 31, 2019 Amount Reclassified from Accumulated Affected Line Item Other Comprehensive in the Consolidated (in thousands) Income (Loss) Statements of Income Available-for-sale debt securities: Reclassification adjustment for net gains reclassified into net income $ (1,227 ) Net gain (loss) on the sale of available-for-sale securities Taxes 258 Income taxes Net of tax amount $ (969 ) For the year Ended December 31, 2018 Amount Reclassified from Accumulated Affected Line Item Other Comprehensive in the Consolidated (in thousands) Income (Loss) Statements of Income Available-for-sale debt securities: Reclassification adjustment for net losses reclassified into net income $ 4 Net gain (loss) on the sale of available-for-sale securities Taxes (1 ) Income taxes Net of tax amount $ 3 The following table summarizes the changes in accumulated other comprehensive (loss) income, net of tax, for the years ended December 31, 2019 2018 For the Year Ended December 31, (in thousands) 2019 2018 Balance, January 1, $ (4,540 ) $ (1,745 ) Other comprehensive income (loss) before reclassifications 8,565 (2,863 ) Amounts reclassified from accumulated other comprehensive income (loss) (969 ) 3 Net other comprehensive income (loss) during the period 7,596 (2,860 ) Reclassification of net loss on equity securities upon adoption of ASU 2016-01 - 65 Balance, December 31, $ 3,056 $ (4,540 )

Note 18 - Condensed Financial I

Note 18 - Condensed Financial Information - Parent Company Only	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	Note 18. — PARENT COMPANY ONLY The following tables present condensed parent company only financial information: Condensed Statements of Financial Condition December 31, (in thousands) 2019 2018 Assets: Cash $ 10,343 $ 5,976 Investment in statutory trust 418 405 Investment in subsidiary (equity method) 131,194 104,134 Other assets 2,019 2,081 Total assets $ 143,974 $ 112,596 Liabilities and Shareholders’ Equity: Subordinated debentures $ - $ 5,000 Junior subordinated debentures 10,310 10,310 Accrued interest payable 16 38 Other liabilities 41 29 Total liabilities 10,367 15,377 Shareholders’ equity 133,607 97,219 Total liabilities and shareholders’ equity $ 143,974 $ 112,596 Condensed Statements of Income For the Year Ended December 31, (in thousands) 2019 2018 Income: Dividends from subsidiaries $ 10,000 $ 12,180 Interest on interest-bearing deposits in other banks 77 3 Income from trust 13 12 Total income 10,090 12,195 Expense: Interest on subordinated notes 24 228 Interest on junior subordinated debt 430 400 Other operating expenses 275 353 Other losses - 32 Total expenses 729 1,013 Income before income taxes 9,361 11,182 Provision for income taxes - - Income before equity in undistributed net income of subsidiary 9,361 11,182 Equity in undistributed net income of subsidiary 1,714 2,167 Net income $ 11,075 $ 13,349 Condensed Statements of Cash Flows For the Year Ended December 31, (in thousands) 2019 2018 Cash flows from operating activities: Net income $ 11,075 $ 13,349 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed income of subsidiary (1,714 ) (2,167 ) Equity in trust (13 ) (12 ) (Decrease) increase in accrued interest payable (22 ) 3 Decrease in other assets 467 65 Decrease in director indemnification liability - (2,553 ) Increase (decrease) in other liabilities 12 (30 ) Net cash provided by operating activities 9,805 8,655 Cash flows from investing activities: Investment in Subsidiary (17,750 ) - Net cash used in investing activities (17,750 ) - Cash flows from financing activities: Principal reduction on subordinated debentures (5,000 ) - Proceeds from issuance of common shares 21,342 117 Cash dividends paid (4,030 ) (2,857 ) Net cash provided by (used in) financing activities 12,312 (2,740 ) Net increase in cash 4,367 5,915 Cash at beginning of year 5,976 61 Cash at end of year $ 10,343 $ 5,976

Note 19 - Selected Quarterly Fi

Note 19 - Selected Quarterly Financial Data (Unaudited)	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Quarterly Financial Information [Text Block]	Note 19. 2019 Quarter Ended (in thousands, except share data) March 31, June 30, September 30, December 31, Interest income $ 11,609 $ 11,462 $ 11,506 $ 11,479 Interest expense 2,663 2,508 2,455 2,170 Net interest income 8,946 8,954 9,051 9,309 (Credit) provision for loan and lease losses (154 ) 347 637 (33 ) Net interest income after (credit) provision for loan and lease losses 9,100 8,607 8,414 9,342 Non-interest income 1,515 1,578 1,831 2,696 Non-interest expense 7,425 7,122 7,329 7,806 Income before income taxes 3,190 3,063 2,916 4,232 Income tax expense 555 514 513 744 Net income $ 2,635 $ 2,549 $ 2,403 $ 3,488 Earnings per share: Basic $ 0.14 $ 0.13 $ 0.12 $ 0.17 Diluted $ 0.14 $ 0.13 $ 0.12 $ 0.17 2018 Quarter Ended (in thousands, except share data) March 31, June 30, September 30, December 31, Interest income $ 10,440 $ 11,234 $ 11,693 $ 11,718 Interest expense 1,562 1,997 2,438 2,581 Net interest income 8,878 9,237 9,255 9,137 Provision (credit) for loan and lease losses 720 880 1,149 (199 ) Net interest income after provision (credit) for loan and lease losses 8,158 8,357 8,106 9,336 Non-interest income 1,519 1,529 1,320 7,422 Non-interest expense 7,232 6,966 7,188 7,941 Income before income taxes 2,445 2,920 2,238 8,817 Income tax expense 426 508 388 1,749 Net income $ 2,019 $ 2,412 $ 1,850 $ 7,068 Earnings per share: Basic $ 0.12 $ 0.14 $ 0.11 $ 0.42 Diluted $ 0.12 $ 0.14 $ 0.11 $ 0.42

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation The consolidated financial statements of FNCB are comprised of the accounts of FNCB Bancorp, Inc., and its wholly-owned subsidiary, FNCB Bank, as well as the Bank’s wholly-owned subsidiaries. All intercompany transactions and balances have been eliminated in consolidation. The accounting and reporting policies of FNCB conform to accounting principles generally accepted in the United States of America (“GAAP”), Regulation S- X not The preparation of financial statements in accordance with GAAP 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 consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to change in the near term are the allowance for loan and lease losses (“ALLL”), securities’ valuation and impairment evaluation, the valuation of other real estate owned (“OREO”), and income taxes.
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash Equivalents For purposes of reporting cash flows, cash equivalents include cash on hand and amounts due from banks.
Marketable Securities, Policy [Policy Text Block]	Securities Debt Securities FNCB classifies its investments in debt securities as either held-to-maturity or available-for-sale at the time of purchase. Debt securities that are classified as held-to-maturity are carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities that are classified as available-for-sale are carried at fair value with unrealized holding gains and losses recognized as a component of shareholders’ equity in accumulated other comprehensive income (loss), net of tax. Amortization of premiums and accretion of discounts is recognized over the life of the related security as an adjustment to yield using the interest method. Realized gains and losses on sales of debt securities are based on amortized cost using the specific identification method on the trade date. All of FNCB's debt securities were classified as available-for-sale at December 31, 2019 2018. Equity Securities with Readily Determinable Fair Value FNCB's equity securities consist entirely of a mutual fund investment comprised of 1 4 Fair values for debt securities and equity securities with readily determinable fair values are based upon quoted market prices, where available. If quoted market prices are not Restricted Securities Investments in restricted securities have limited marketability, are carried at cost and are evaluated for impairment based on FNCB’s determination of the ultimate recoverability of the par value of the stock. FNCB’s investment in restricted securities, comprised of stock in the Federal Home Loan Bank of Pittsburgh and Atlantic Community Bankers Bank. Equity Securities without Readily Determinable Fair Value Equity securities without readily determinable fair values consist entirely of FNCB's investment in the common stock of a privately-held bank holding company. Equity securities without readily determinable fair values are carried at cost and included in other assets in the consolidated statements of financial condition. On a quarterly basis, management performs a qualitative assessment to determine if the investment is impaired. If the qualitative assessment indicates impairment, the investment is written down to its fair value, with the charge for impairment included in net income. Evaluation for Other Thank Temporary Impairment On a quarterly basis, management evaluates all securities in an unrealized loss position for other than temporary impairment (“OTTI”). An individual security is considered impaired when its current fair value is less than its amortized cost basis. As part of its evaluation, management considers the following factors, among other things, in determining whether the security’s impairment is other than temporary: ● the length of time and extent of the impairment; ● the causes of the decline in fair value, such as credit deterioration, interest rate fluctuations, or market volatility; ● adverse industry or geographic conditions; ● historical implied volatility; ● payment structure of the security and whether FNCB expects to receive all contractual cash flows; ● failure of the issuer to make contractual interest or principal payments in the past; and ● changes in the security’s rating. Based on current authoritative guidance, when a held-to-maturity or available-for-sale security is assessed for first not one not two not
Financing Receivable [Policy Text Block]	Loans and Loan Origination Fees and Costs Loans 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 balance, net of unamortized deferred loan fees and costs, any unearned income and partial charge-offs. Loans receivable are presented net of the allowance for loan and lease losses in the consolidated statements of financial condition. Interest income on all loans is recognized using the effective interest method. Nonrefundable loan origination fees, as well as certain direct loan origination costs, are deferred and the net amount amortized over the contractual life of the related loan as an adjustment to yield using the effective interest method. Amortization of deferred loan fees or costs is discontinued when a loan is placed on non-accrual status. Loans are placed on non-accrual status when a loan is specifically determined to be impaired or when management believes that the collection of interest or principal is doubtful. This generally occurs when a default of interest or principal has existed for 90 90 first six no In accordance with federal regulations, prior to making, extending, renewing or advancing additional funds in excess of $ 400 third may
Troubled Debt Restructuring [Policy Text Block]	Troubled Debt Restructurings FNCB considers a loan to be a troubled debt restructuring (“TDR”) when it grants a concession to the borrower for legal or economic reasons related to the borrower’s financial difficulties that it would not six
Impaired Financing Receivable, Policy [Policy Text Block]	Loan Impairment A loan is considered impaired when it is probable that FNCB will be unable to collect all amounts due (including principal and interest) according to the contractual terms of the note and loan agreement. For purposes of the analysis, all TDRs, loan relationships with an aggregate outstanding balance greater than $100 not may Generally, all loans with balances of $100 not $100 Impaired loans, or portions thereof, are charged-off upon determination that all or a portion of the loan balance is uncollectible and exceeds the fair value of the collateral. A loan is considered uncollectible when the borrower is delinquent with respect to principal or interest repayment and it is unlikely that the borrower will have the ability to pay the debt in a timely manner, collateral value is insufficient to cover the outstanding indebtedness and the guarantors (if applicable) do not
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan and Lease Losses Management evaluates the credit quality of FNCB’s loan portfolio on an ongoing basis and performs a formal review of the adequacy of the ALLL on a quarterly basis. The ALLL is established through a provision for loan losses charged to earnings and is maintained at a level that management considers adequate to absorb estimated probable losses inherent in the loan portfolio as of the evaluation date. Loans, or portions of loans, determined by management to be uncollectible are charged off against the ALLL, while recoveries of amounts previously charged off are credited to the ALLL. Determining the amount of the ALLL is considered a critical accounting estimate because it requires significant judgment and the use of estimates related to the amount and timing of expected future cash flows on impaired loans, estimated losses on pools of homogeneous loans based on historical loss experience, qualitative factors, and consideration of current economic trends and conditions, all of which may may FNCB's allowance methodology consists primarily of two $100 may unallocated component may not When establishing the ALLL, management categorizes loans into the following loan segments that are based generally on the nature of the collateral and basis of repayment. The risk characteristics of FNCB’s loan segments are as follows: Construction, Land Acquisition and Development Loans one four not 65%. 85% Commercial Real Estate Loans not not 25 85%. Commercial and Industrial Loans - may State and Political Subdivision Loans Residential Real Estate Loans 1 4 first 80% 80% may Consumer Loans 90% 15
Liability for Off-balance-sheet Credit Related Financial Instruments, Policy [Policy Text Block]	Off-Balance-Sheet Credit-Related Financial Instruments FNCB is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing need of its customers. These financial instruments include commitments to extend credit, unused portions of lines of credit, including revolving HELOCs, and letters of credit. FNCB’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument is represented by the contractual notional amount of these instruments. FNCB uses the same credit policies in making these commitments as it does for on-balance sheet instruments. In order to provide for probable losses inherent in these instruments, FNCB records a reserve for unfunded commitments, included in other liabilities on the consolidated statements of financial condition, with the offsetting expense recorded in other operating expenses in the consolidated statements of income.
Mortgage Banking Activity [Policy Text Block]	Mortgage Banking Activities, Loan Sales and Servicing Mortgage loans originated and held for sale are carried at the lower of aggregate cost or fair value determined on an individual loan basis. Net unrealized losses are recorded as a valuation allowance and charged to earnings. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold and include the value assigned to the rights to service the loan. FNCB may Servicing rights are recorded at fair value upon sale of the loan and reported in other assets on the consolidated statements of financial condition. Servicing rights are amortized in proportion to and over the period during which estimated servicing income will be received. Fair value is based on market prices for comparable servicing contracts, when available, or alternately, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Servicing rights are evaluated for impairment at each reporting date based upon the fair value of the rights as compared to amortized cost. Impairment is determined by stratifying rights into tranches based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the capitalized amount for the tranche. If management later determines that all or a portion of the impairment no may
Other Real Estate Owned, Policy [Policy Text Block]	Other Real Estate Owned OREO consists of property acquired by foreclosure, abandonment or conveyance of deed in-lieu of foreclosure of a loan, and bank premises that are no no may
Property, Plant and Equipment, Policy [Policy Text Block]	Bank Premises and Equipment Land is stated at cost. Bank premises, equipment and leasehold improvements are stated at cost less accumulated depreciation. Costs for routine maintenance and repairs are expensed as incurred, while significant expenditures for improvements are capitalized. Depreciation expense is computed generally using the straight-line method over the following ranges of estimated useful lives, or in the case of leasehold improvements, to the expected terms of the leases, if shorter: Buildings and improvements (years) 5 to 40 Furniture, fixtures and equipment (years) 3 to 20 Leasehold improvements (years) 3 to 35
Impairment or Disposal of Long-Lived Assets, Including Intangible Assets, Policy [Policy Text Block]	Long-lived Assets Intangible assets and bank premises and equipment are reviewed by management at least annually for potential impairment and whenever events or circumstances indicate that carrying amounts may not
Income Tax, Policy [Policy Text Block]	Income Taxes FNCB recognizes income taxes under the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more-likely-than- not not FNCB files a consolidated Federal income tax return. Under tax sharing agreements, each subsidiary provides for and settles income taxes with FNCB as if it would have filed on a separate return basis. Interest and penalties, if any, as a result of a taxing authority examination are recognized within non-interest expense. FNCB is not no 2016. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more-likely-than- not not not 50% no x December 31, 2019 2018.
Earnings Per Share, Policy [Policy Text Block]	Earnings per Share Earnings per share is calculated on the basis of the weighted-average number of common shares outstanding during the year. Basic earnings per share excludes dilution and is computed by dividing net income available to common shareholders by the weighted-average common shares outstanding during the period. Diluted earnings per share reflect additional shares that would have been outstanding if dilutive potential common shares had been issued. Potential common shares that may
Share-based Payment Arrangement [Policy Text Block]	Stock-Based Compensation FNCB is required to measure and record compensation expense for stock-based payments based on the instrument’s fair value on the date of the grant. The fair value of each option grant was estimated on the date of grant using the Black-Scholes option-pricing model. The fair value of shares of restricted stock awarded under the Long Term Incentive Compensation Plan (“LTIP”) is determined using an average of the high and low prices for FNCB’s common stock for the 10
Bank Owned Life Insurance, Policy [Policy Text Block]	Bank-Owned Life Insurance Bank-owned life insurance (“BOLI”) represents the cash surrender value of life insurance policies on certain current and former directors and officers of FNCB. FNCB purchased the insurance as a tax-deferred investment and future source of funding for liabilities, including the payment of employee benefits such as health care. BOLI is carried in the consolidated statements of financial condition at its cash surrender value. Increases in the cash value of the policies, as well as proceeds received, are recorded in non-interest income. Under some of these policies, the beneficiaries receive a portion of the death benefit. The net present value of the future death benefits scheduled to be paid to the beneficiaries was $113 $111 December 31, 2019 2018,
Fair Value Measurement, Policy [Policy Text Block]	Fair Value Measurement FNCB uses fair value measurements to record fair value adjustments to certain financial assets and liabilities and to determine fair value disclosures. Available-for-sale debt securities are recorded at fair value on a recurring basis. Additionally, from time to time, FNCB may Fair value is the price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market in an orderly transaction between market participants at the measurement date. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets or liabilities; it is not Accounting standards define fair value, establish a framework for measuring fair value, establish a three The three ● Level 1 ● Level 2 not ● Level 3 not
Revenue from Contract with Customer [Policy Text Block]	Revenue Recognition On January 1, 2018, 2014 09, 606 606 340 40 2014 09 not no ● Deposit service charges - include general service fees for monthly account maintenance, account analysis fees, non-sufficient funds fees, wire transfer fees and other deposit account related fees. Revenue is recognized when FNCB’s performance obligation is completed which is generally monthly for account maintenance services or when a transaction has been completed (such as a wire transfer). Payment for service charges on deposit accounts is received immediately or in the following month through a direct charge to customers’ accounts. Also included in deposit service charges is income from ATM surcharges and debit card services income. ATM surcharges are generated when an FNCB cardholder uses a an ATM that is not ● Net gains on the sale of other real estate owned - FNCB records a gain or loss from the sale of OREO when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. When FNCB finances the sale of OREO to the buyer, FNCB assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the OREO asset is derecognized and the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. In determining the gain or loss on the sale, FNCB adjusts the transaction prices and related gain (loss) on sale if a significant financing component is present. ● Loan referral fees represent fees FNCB receives from a third not no ● Other income third third no
Comprehensive Income, Policy [Policy Text Block]	Comprehensive Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the shareholders’ equity section of the statement of financial condition, such items, along with net income, are components of comprehensive income.
New Accounting Pronouncements, Policy [Policy Text Block]	New Authoritative Accounting Guidance Accounting Standards Update ("ASU") 2016 02, 842 12 2016 02 2016 02 December 15, 2018 January 1, 2019 applied the standard by recording a cumulative effect adjustment at that date. may 2016 02 $3.2 $3.7 12, 8, 10 ASU 2017 08, 310 not 2017 08 December 15, 2018 January 1, 2019 not Accounting Guidance to be Adopted in Future Periods ASU 2016 13, 326 2016 13 not not June 17, 2016, 2016 13 not 2016 13, 2016 13 1934, December 15, 2019, may December 15, 2018, November 15, 2019, 2019 10, 326 815 842 not 2019 10 not December 15, 2022. January 1, 2023. CECL 2016 13 not 1 2 3 4 may ASU 2018 13 820 820, 8: 820 2018 13 December 15, 2019 January 1, 2020 not ASU 2018 15 350 40 2018 15 350 40 2018 15 December 15, 2019 December 15, 2019, January 1, 2020 not ASU 2019 12 740 740. 740 2019 12 not 2019 12 December 15, 2020 December 15, 2021, December 15, 2022, January 1, 2022 not ASU 2020 01 321 323 815 321 321; 321 2020 01 December 15, 2020 December 15, 2021 January 1, 2022 not

Note 2 - Summary of Significa_2

Note 2 - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Property, Plant and Equipment Useful Life [Table Text Block]	Buildings and improvements (years) 5 to 40 Furniture, fixtures and equipment (years) 3 to 20 Leasehold improvements (years) 3 to 35

Note 4 - Securities (Tables)

Note 4 - Securities (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	December 31, 2019 Gross Gross Unrealized Unrealized Amortized Holding Holding Fair (in thousands) Cost Gains Losses Value Available-for-sale debt securities: Obligations of state and political subdivisions $ 115,428 $ 2,694 $ 359 $ 117,763 U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential 79,606 780 92 80,294 Collateralized mortgage obligations - commercial 17,414 320 11 17,723 Mortgage-backed securities 18,142 343 - 18,485 Private collateralized mortgage obligations 25,069 49 43 25,075 Corporate debt securities 7,000 182 - 7,182 Asset-backed securities 5,618 4 1 5,621 Negotiable certificates of deposit 694 2 - 696 Total available-for-sale debt securities $ 268,971 $ 4,374 $ 506 $ 272,839 December 31, 2018 Gross Gross Unrealized Unrealized Amortized Holding Holding Fair (in thousands) Cost Gains Losses Value Available-for-sale debt securities: Obligations of state and political subdivisions $ 154,268 $ 214 $ 2,295 $ 152,187 U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential 35,147 6 946 34,207 Collateralized mortgage obligations - commercial 76,038 - 2,398 73,640 Mortgage-backed securities 24,165 47 278 23,934 Private collateralized mortgage obligations 2,908 7 2 2,913 Corporate debt securities 5,000 14 78 4,936 Asset-backed securities 1,825 - 23 1,802 Negotiable certificates of deposit 2,428 - 15 2,413 Total available-for-sale debt securities $ 301,779 $ 288 $ 6,035 $ 296,032
Investments Classified by Contractual Maturity Date [Table Text Block]	December 31, 2019 Available-for-Sale Amortized Fair (in thousands) Cost Value Amounts maturing in: One year or less $ 2,195 $ 2,201 After one year through five years 49,724 50,936 After five years through ten years 51,056 52,525 After ten years 20,147 19,979 Asset-backed securities 5,618 5,621 Collateralized mortgage obligations 122,089 123,092 Mortgage-backed securities 18,142 18,485 Total $ 268,971 $ 272,839
Gain (Loss) on Securities [Table Text Block]	Year Ended December 31, (in thousands) 2019 2018 Available-for-sale debt securities: Gross proceeds received on sales $ 128,233 $ 4,559 Gross realized gains 1,257 - Gross realized losses (30 ) (4 ) Year Ended December 31, (in thousands) 2019 2018 Net gain (loss) recognized on equity securities $ 29 $ (27 ) Less: net gains (losses) recognized on equity securities sold - - Unrealized gain (loss) recognized on equity securities held $ 29 $ (27 )
Schedule of Unrealized Loss on Investments [Table Text Block]	December 31, 2019 Less than 12 Months 12 Months or Greater Total Number Gross Number Gross Number Gross of Fair Unrealized of Fair Unrealized of Fair Unrealized (dollars in thousands) Securities Value Losses Securities Value Losses Securities Value Losses Obligations of state and political subdivisions 10 $ 19,436 $ 359 - $ - $ - 10 $ 19,436 $ 359 U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential 4 19,934 92 - - - 4 19,934 92 Collateralized mortgage obligations - commercial 1 2,500 11 - - - 1 2,500 11 Mortgage-backed securities - - - - - - - - - Private collateralized mortgage obligations 4 18,990 43 - - - 4 18,990 43 Corporate debt securities - - - - - - - - - Asset-backed securities 2 888 1 - - - 2 888 1 Negotiable certificates of deposit - - - - - - - - - Total 21 $ 61,748 $ 506 - $ - $ - 21 $ 61,748 $ 506 December 31, 2018 Less than 12 Months 12 Months or Greater Total Number Gross Number Gross Number Gross of Fair Unrealized of Fair Unrealized of Fair Unrealized (dollars in thousands) Securities Value Losses Securities Value Losses Securities Value Losses Obligations of state and political subdivisions 3 $ 7,154 $ 205 109 $ 112,563 $ 2,090 112 $ 119,717 $ 2,295 U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential - - - 14 31,414 946 14 31,414 946 Collateralized mortgage obligations - commercial - - - 25 73,640 2,398 25 73,640 2,398 Mortgage-backed securities 1 52 - 6 10,294 278 7 10,346 278 Private collateralized mortgage obligations 1 950 2 - - - 1 950 2 Corporate debt securities 2 2,922 78 - - - 2 2,922 78 Asset-backed securities 1 369 2 1 1,433 21 2 1,802 23 Negotiable certificates of deposit 3 740 3 7 1,673 12 10 2,413 15 Total 11 $ 12,187 $ 290 162 $ 231,017 $ 5,745 173 $ 243,204 $ 6,035
Investment [Table Text Block]	December 31, (in thousands) 2019 2018 Stock in Federal Home Loan Bank of Pittsburgh $ 3,794 $ 3,113 Stock in Atlantic Community Bankers Bank 10 10 Total restricted securities, at cost $ 3,804 $ 3,123

Note 5 - Loans (Tables)

Note 5 - Loans (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	December 31, (in thousands) 2019 2018 Residential real estate $ 170,723 $ 164,833 Commercial real estate 278,379 262,778 Construction, land acquisition and development 47,484 20,813 Commercial and industrial 147,623 150,962 Consumer 138,239 176,784 State and political subdivisions 43,908 59,037 Total loans, gross 826,356 835,207 Unearned income (69 ) (70 ) Net deferred loan costs 2,192 3,963 Allowance for loan and lease losses (8,950 ) (9,519 ) Loans, net $ 819,529 $ 829,581
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Allowance for Loan and Lease Losses by Loan Category December 31, 2019 (in thousands) Residential Real Estate Commercial Real Estate Construction, Land Acquisition and Development Commercial and Industrial Consumer State and Political Subdivisions Unallocated Total Allowance for loan losses: Beginning balance, January 1, 2019 $ 1,175 $ 3,107 $ 188 $ 2,552 $ 2,051 $ 417 $ 29 $ 9,519 Charge-offs (27 ) - (18 ) (1,258 ) (1,311 ) - - (2,614 ) Recoveries 9 32 82 364 761 - - 1,248 Provisions (credits) (10 ) 59 19 339 157 (164 ) 397 797 Ending balance, December 31, 2019 $ 1,147 $ 3,198 $ 271 $ 1,997 $ 1,658 $ 253 $ 426 $ 8,950 Specific reserve $ 9 $ 221 $ - $ 242 $ 1 $ - $ - $ 473 General reserve $ 1,138 $ 2,977 $ 271 $ 1,755 $ 1,657 $ 253 $ 426 $ 8,477 Loans receivable: Individually evaluated for impairment $ 2,711 $ 11,640 $ 76 $ 1,164 $ 195 $ - $ - $ 15,786 Collectively evaluated for impairment 168,012 266,739 47,408 146,459 138,044 43,908 - 810,570 Total loans, gross at December 31, 2019 $ 170,723 $ 278,379 $ 47,484 $ 147,623 $ 138,239 $ 43,908 $ - $ 826,356 Allowance for Loan and Lease Losses by Loan Category December 31, 2018 (in thousands) Residential Real Estate Commercial Real Estate Construction, Land Acquisition and Development Commercial and Industrial Consumer State and Political Subdivisions Unallocated Total Allowance for loan losses: Beginning balance, January 1, 2018 $ 1,236 $ 3,499 $ 209 $ 2,340 $ 1,395 $ 355 $ - $ 9,034 Charge-offs (63 ) (1,845 ) - (97 ) (1,134 ) - - (3,139 ) Recoveries 135 42 30 291 576 - - 1,074 Provisions (credits) (133 ) 1,411 (51 ) 18 1,214 62 29 2,550 Ending balance, December 31, 2018 $ 1,175 $ 3,107 $ 188 $ 2,552 $ 2,051 $ 417 $ 29 $ 9,519 Specific reserve $ 14 $ 41 $ - $ 600 $ 2 $ - $ - $ 657 General reserve $ 1,161 $ 3,066 $ 188 $ 1,952 $ 2,049 $ 417 $ 29 $ 8,862 Loans receivable: Individually evaluated for impairment $ 1,847 $ 9,408 $ 82 $ 697 $ 383 $ - $ - $ 12,417 Collectively evaluated for impairment 162,986 253,370 20,731 150,265 176,401 59,037 - 822,790 Total loans, gross at December 31, 2018 $ 164,833 $ 262,778 $ 20,813 $ 150,962 $ 176,784 $ 59,037 $ - $ 835,207
Financing Receivable Credit Quality Indicators [Table Text Block]	Credit Quality Indicators December 31, 2019 Commercial Loans Other Loans Special Subtotal Accruing Non-accrual Subtotal Total Pass Mention Substandard Doubtful Loss Commercial Loans Loans Other Loans Residential real estate $ 32,219 $ 177 $ 307 $ - $ - $ 32,703 $ 136,709 $ 1,311 $ 138,020 $ 170,723 Commercial real estate 266,112 1,668 10,599 - - 278,379 - - - 278,379 Construction, land acquisition and development 46,361 - - - - 46,361 1,123 - 1,123 47,484 Commercial and industrial 140,589 426 1,484 - - 142,499 5,124 - 5,124 147,623 Consumer 3,111 - - - - 3,111 134,457 671 135,128 138,239 State and political subdivisions 43,908 - - - - 43,908 - - - 43,908 Total $ 532,300 $ 2,271 $ 12,390 $ - $ - $ 546,960 $ 277,413 $ 1,982 $ 279,395 $ 826,356 Credit Quality Indicators December 31, 2018 Commercial Loans Other Loans Special Subtotal Accruing Non-accrual Subtotal Total Pass Mention Substandard Doubtful Loss Commercial Loans Loans Other Loans Residential real estate $ 33,573 $ 291 $ 154 $ - $ - $ 34,018 $ 130,132 $ 683 $ 130,815 $ 164,833 Commercial real estate 250,674 1,858 10,246 - - 262,778 - - - 262,778 Construction, land acquisition and development 17,704 - 757 - - 18,461 2,352 - 2,352 20,813 Commercial and industrial 137,888 4,193 2,448 - - 144,529 6,421 12 6,433 150,962 Consumer 2,024 - - - - 2,024 174,373 387 174,760 176,784 State and political subdivisions 57,345 1,665 27 - - 59,037 - - - 59,037 Total $ 499,208 $ 8,007 $ 13,632 $ - $ - $ 520,847 $ 313,278 $ 1,082 $ 314,360 $ 835,207
Financing Receivable, Past Due [Table Text Block]	December 31, 2019 Delinquency Status 0-29 Days 30-59 Days 60-89 Days >/= 90 Days (in thousands) Past Due Past Due Past Due Past Due Total Performing (accruing) loans: Residential real estate $ 168,754 $ 134 $ 261 $ - $ 169,149 Commercial real estate 272,561 75 106 - 272,742 Construction, land acquisition and development 47,484 - - - 47,484 Commercial and industrial 146,221 200 - - 146,421 Consumer 135,384 1,695 489 - 137,568 State and political subdivisions 43,908 - - - 43,908 Total performing (accruing) loans 814,312 2,104 856 - 817,272 Non-accrual loans: Residential real estate 873 17 228 456 1,574 Commercial real estate 2,520 893 434 1,790 5,637 Construction, land acquisition and development - - - - - Commercial and industrial 943 - 114 145 1,202 Consumer 193 93 38 347 671 State and political subdivisions - - - - - Total non-accrual loans 4,529 1,003 814 2,738 9,084 Total loans receivable $ 818,841 $ 3,107 $ 1,670 $ 2,738 $ 826,356 December 31, 2018 Delinquency Status 0-29 Days 30-59 Days 60-89 Days >/= 90 Days (in thousands) Past Due Past Due Past Due Past Due Total Performing (accruing) loans: Residential real estate $ 163,690 $ 319 $ 136 $ - $ 164,145 Commercial real estate 259,904 - - - 259,904 Construction, land acquisition and development 20,813 - - - 20,813 Commercial and industrial 150,108 87 20 - 150,215 Consumer 173,890 2,221 286 - 176,397 State and political subdivisions 59,037 - - - 59,037 Total performing (accruing) loans 827,442 2,627 442 - 830,511 Non-accrual loans: Residential real estate 443 - 136 109 688 Commercial real estate 1,061 - - 1,813 2,874 Construction, land acquisition and development - - - - - Commercial and industrial 677 50 - 20 747 Consumer 91 61 74 161 387 State and political subdivisions - - - - - Total non-accrual loans 2,272 111 210 2,103 4,696 Total loans receivable $ 829,714 $ 2,738 $ 652 $ 2,103 $ 835,207
Impaired Financing Receivables [Table Text Block]	December 31, 2019 Recorded Unpaid Principal Related (in thousands) Investment Balance Allowance With no allowance recorded: Residential real estate $ 1,217 $ 1,303 $ - Commercial real estate 4,548 6,007 - Construction, land acquisition and development 76 76 - Commercial and industrial 593 850 - Consumer 23 26 - State and political subdivisions - - - Total impaired loans with no related allowance recorded 6,457 8,262 - With a related allowance recorded: Residential real estate 1,494 1,494 9 Commercial real estate 7,092 7,811 221 Construction, land acquisition and development - - - Commercial and industrial 571 573 242 Consumer 172 172 1 State and political subdivisions - - - Total impaired loans with a related allowance recorded 9,329 10,050 473 Total of impaired loans: Residential real estate 2,711 2,797 9 Commercial real estate 11,640 13,818 221 Construction, land acquisition and development 76 76 - Commercial and industrial 1,164 1,423 242 Consumer 195 198 1 State and political subdivisions - - - Total impaired loans $ 15,786 $ 18,312 $ 473 December 31, 2018 Recorded Unpaid Principal Related (in thousands) Investment Balance Allowance With no allowance recorded: Residential real estate $ 313 $ 375 $ - Commercial real estate 7,149 8,795 - Construction, land acquisition and development 82 82 - Commercial and industrial - - - Consumer 26 28 - State and political subdivisions - - - Total impaired loans with no related allowance recorded 7,570 9,280 - With a related allowance recorded: Residential real estate 1,534 1,534 14 Commercial real estate 2,259 2,259 41 Construction, land acquisition and development - - - Commercial and industrial 697 697 600 Consumer 357 357 2 State and political subdivisions - - - Total impaired loans with a related allowance recorded 4,847 4,847 657 Total of impaired loans: Residential real estate 1,847 1,909 14 Commercial real estate 9,408 11,054 41 Construction, land acquisition and development 82 82 - Commercial and industrial 697 697 600 Consumer 383 385 2 State and political subdivisions - - - Total impaired loans $ 12,417 $ 14,127 $ 657
Schedule of Average Balance and Interest Income on Impaired Loans [Table Text Block]	Year Ended December 31, 2019 2018 Average Interest Average Interest (in thousands) Balance Income (1) Balance Income (1) Residential real estate $ 2,157 $ 84 $ 1,827 $ 83 Commercial real estate 10,092 297 8,580 311 Construction, land acquisition and development 79 5 83 5 Commercial and industrial 1,207 1 759 1 Consumer 243 11 388 17 State and political subdivisions - - - - Total impaired loans $ 13,778 $ 398 $ 11,637 $ 417
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	Year Ended December 31, 2019 Pre-Modification Outstanding Recorded Investment by Type of Modification (in thousands) Number of Contracts Extension of Term Extension of Term and Capitalization of Taxes Capitalization of Taxes Principal Forbearance Total Post-Modification Outstanding Recorded Investment Loan category: Residential real estate 4 $ 24 $ - $ 42 $ 208 $ 274 $ 289 Commercial real estate 2 432 178 - - 610 644 Construction, land acquisition and development - - - - - - - Commercial and industrial 4 933 - - - 933 932 Consumer - - - - - - - State and political subdivisions - - - - - - - Total modifications 10 $ 1,389 $ 178 $ 42 $ 208 $ 1,817 $ 1,865

Note 6 - Bank Premises and Eq_2

Note 6 - Bank Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Property Plant and Equipment Components [Table Text Block]	December 31, (in thousands) 2019 2018 Land $ 3,537 $ 3,383 Buildings and improvements 12,798 10,865 Furniture, fixtures and equipment 11,551 10,178 Leasehold improvements 3,578 3,601 Total 31,464 28,027 Accumulated depreciation (13,946 ) (13,602 ) Net $ 17,518 $ 14,425

Note 7 - Deposits (Tables)

Note 7 - Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Deposit Liabilities, Type [Table Text Block]	December 31, (in thousands) 2019 2018 Demand (non-interest bearing) $ 179,465 $ 156,600 Interest-bearing: Interest-bearing demand 534,677 557,803 Savings 94,530 92,078 Time ($250,000 and over) 48,425 56,659 Other time 144,612 232,489 Total interest-bearing 822,244 939,029 Total deposits $ 1,001,709 $ 1,095,629
Schedule of Maturities of Time Deposits [Table Text Block]	$250,000 Other (in thousands) and Over Time Deposits Total 2020 41,009 93,903 134,912 2021 6,126 38,823 44,949 2022 1,290 5,547 6,837 2023 - 2,687 2,687 2024 3,652 3,652 2025 and thereafter - - - Total $ 48,425 $ 144,612 $ 193,037

Note 8 - Borrowed Funds (Tables

Note 8 - Borrowed Funds (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Debt [Table Text Block]	As of and for the Year Ended December 31, 2019 Weighted Weighted Maximum Average Average Ending Average Month-End Rate for Rate at (dollars in thousands) Balance Balance Balance the Year Period End FHLB of Pittsburgh advances - overnight $ 14,100 $ 14,971 $ 59,825 2.58 % 1.80 % FHLB of Pittsburgh advances - term 32,809 37,831 65,171 2.26 % 1.86 % Federal funds - 8 - - - Federal reserve discount window advances - - - - - Subordinated debentures - 520 5,000 4.50 % - % Junior subordinated debentures 10,310 10,310 10,310 4.17 % 3.56 % As of and for the Year Ended December 31, 2018 Weighted Weighted Maximum Average Average Ending Average Month-End Rate for Rate at (dollars in thousands) Balance Balance Balance the Year Period End FHLB of Pittsburgh advances - overnight $ 6,600 $ 45,066 $ 103,250 2.05 % 2.65 % FHLB of Pittsburgh advances - term 12,330 59,197 101,661 1.86 % 1.77 % Federal funds - - - - - Federal reserve discount window advances - - - - - Subordinated debentures 5,000 5,000 5,000 4.50 % 4.50 % Junior subordinated debentures 10,310 10,310 10,310 3.88 % 4.46 %
Schedule of Maturities of Long-term Debt [Table Text Block]	December 31, 2019 Weighted Average (in thousands) Amount Interest Rate 2020 $ 21,387 1.73 % 2021 25,522 1.93 % 2022 - - 2023 - - 2024 - - 2025 and thereafter 10,310 3.56 % Total $ 57,219 2.15 %

Note 10 - Income Taxes (Tables)

Note 10 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	For the Year Ended December 31, (in thousands) 2019 2018 Current $ - $ (2,764 ) Deferred 2,326 5,835 Income tax expense $ 2,326 $ 3,071
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	For the Year Ended December 31, (in thousands) 2019 2018 Provision at statutory tax rates $ 2,814 $ 3,448 Add (deduct): Tax effects of non-taxable income (344 ) (378 ) Non-deductible interest expense 19 15 Bank-owned life insurance (109 ) (117 ) Other items, net (54 ) 103 Income tax expense $ 2,326 $ 3,071
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	December 31, (in thousands) 2019 2018 Allowance for loan and lease losses $ 2,027 $ 2,052 Deferred compensation 592 817 Unrealized holding losses on securities available-for-sale - 1,207 Lease liability 729 - Other real estate owned valuation 33 125 Deferred intangible assets 166 300 Employee benefits 192 102 Accrued rent expense - 72 Accrued vacation 42 36 Deferred income - 51 Depreciation 10 51 Net operating loss carryover 4,348 6,291 Gross deferred tax assets 8,139 11,104 Deferred loan origination costs (143 ) (192 ) Unrealized holding gains on securities available-for-sale (812 ) - Right of use asset (660 ) - Deferred income (22 ) - Accrued interest (224 ) (219 ) Gross deferred tax liabilities (1,861 ) (411 ) Net deferred tax assets $ 6,278 $ 10,693

Note 11 - Related Party Trans_2

Note 11 - Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Related Party Transactions [Table Text Block]	For the Year Ended December 31, (in thousands) 2019 2018 Balance January 1, $ 64,634 $ 55,576 Additions, new loans and advances 93,871 87,015 Repayments (80,609 ) (77,957 ) Balance December 31, $ 77,896 $ 64,634

Note 12 - Commitments, Contin_2

Note 12 - Commitments, Contingencies and Concentrations (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Lease, Cost [Table Text Block]	(in thousands) For the Year Ended December 31, 2019 Operating lease cost - bank branches $ 343 Operating lease cost - automobiles and equipment 31 Short-term lease cost - office space 42 Short-term lease cost - automobiles and equipment 2 Variable lease cost - Total lease cost $ 418
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	(in thousands) December 31, 2019 2020 $ 387 2021 353 2022 331 2023 323 2024 287 2025 and thereafter 2,813 Total lease payments 4,494 Less: imputed interest 1,023 Present value of operating lease liabilities $ 3,471
Lease, Other Information Related to Operating Leases [Table Text Block]	(dollars in thousands) December 31, 2019 Weighted-average remaining lease term 14.3 years Weighted-average discount rate 3.45 % Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 385
Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block]	Minimum Future Lease Payments December 31, 2018 (in thousands) Facilities Vehicles & Equipment Total 2019 $ 385 $ 13 $ 398 2021 313 1 314 2022 287 - 287 2023 265 - 265 2024 223 - 223 2025 and thereafter 820 - 820 Total $ 2,293 $ 14 $ 2,307
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	December 31, (in thousands) 2019 2018 Commitments to extend credit $ 275,891 $ 181,322 Standby letters of credit 15,081 15,121
Schedules of Concentration of Risk, by Risk Factor [Table Text Block]	December 31, 2019 December 31, 2018 % of % of (in thousands) Amount Gross Loans Amount Gross Loans Retail space/shopping centers $ 43,865 5.31 % $ 48,021 5.75 % 1-4 family residential investment properties 38,122 4.61 % 38,756 4.64 % Physicians 26,739 * 3.24 % 25,379 3.04 %

Note 13 - Stock Compensation _2

Note 13 - Stock Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Stock Options Roll Forward [Table Text Block]	For the Years Ended December 31, 2019 2018 Weighted Weighted Average Average Exercise Exercise Shares Price Shares Price Stock options outstanding at the beginning of the year 19,200 $ 10.81 19,200 $ 10.81 Granted - - - - Exercised - - - - Forfeited (19,200 ) $ 10.81 - - Stock options outstanding at the end of the year - $ - 19,200 $ 10.81 Options exercisable at year end - $ - 19,200 $ 10.81 Weighted average fair value of options granted during the year $ - $ - Stock-based compensation expense $ - $ -
Share-based Payment Arrangement, Restricted Stock Unit, Activity [Table Text Block]	For the Years Ended December 31, 2019 2018 Weighted- Weighted- Average Average Restricted Grant Date Restricted Grant Date Shares Fair Value Shares Fair Value Unvested restricted stock awards at January 1, 114,702 $ 7.50 106,129 $ 6.23 Awards granted 57,684 7.64 57,829 8.54 Forfeitures (6,678 ) 7.61 (2,898 ) 7.25 Vestings (37,558 ) 6.80 (46,358 ) 5.93 Unvested restricted stock awards at December 31, 128,150 $ 7.76 114,702 $ 7.50

Note 14 - Regulatory Matters _2

Note 14 - Regulatory Matters & Subsequent Event (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	FNCB Bank Minimum Required For Capital Adequacy Purposes Minimum Required For Capital Adequacy Purposes with Conservation Buffer Minimum Required To Be Well Capitalized Under Prompt Corrective Action Regulations (dollars in thousands) Amount Ratio Ratio Ratio Ratio December 31, 2019 Total capital (to risk-weighted assets) $ 133,406 14.77 % 8.00 % 10.50 % 10.00 % Tier I capital (to risk-weighted assets) 123,753 13.70 % 6.00 % 8.50 % 8.00 % Tier I common equity (to risk-weighted assets) 123,753 13.70 % 4.50 % 7.00 % 6.50 % Tier I capital (to average assets) 123,753 10.36 % 4.00 % 4.000 % 5.00 % Total risk-weighted assets 903,172 Total average assets 1,194,789 FNCB Bank Minimum Required For Capital Adequacy Purposes Minimum Required For Capital Adequacy Purposes with Conservation Buffer Minimum Required To Be Well Capitalized Under Prompt Corrective Action Regulations (dollars in thousands) Amount Ratio Ratio Ratio Ratio December 31, 2018 Total capital (to risk-weighted assets) $ 112,128 12.17 % 8.00 % 9.875 % 10.00 % Tier I capital (to risk-weighted assets) 102,354 11.11 % 6.00 % 7.875 % 8.00 % Tier I common equity (to risk-weighted assets) 102,354 11.11 % 4.50 % 6.375 % 6.50 % Tier I capital (to average assets) 102,354 8.27 % 4.00 % 4.00 % 5.00 % Total risk-weighted assets 921,126 Total average assets 1,238,347

Note 15 - Fair Value Measurem_2

Note 15 - Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Fair Value Measurements at December 31, 2019 Quoted Prices Significant Significant in Active Markets Observable Unobservable for Identical Assets Inputs Inputs (in thousands) Fair Value (Level 1) (Level 2) (Level 3) Available-for-sale debt securities: Obligations of state and political subdivisions $ 117,763 $ - $ 117,763 $ - U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential 80,294 - 80,294 - Collateralized mortgage obligations - commercial 17,723 - 17,723 - Mortgage-backed securities 18,485 - 18,485 - Private collateralized mortgage obligations 25,075 - 25,075 - Corporate debt securities 7,182 - 2,032 5,150 Asset-backed securities 5,621 - 5,621 - Negotiable certificates of deposit 696 - 696 - Total available-for-sale debt securities $ 272,839 $ - $ 267,689 $ 5,150 Equity Securities $ 920 $ 920 $ - $ - Fair Value Measurements at December 31, 2018 Quoted Prices Significant Significant in Active Markets Observable Unobservable for Identical Assets Inputs Inputs (in thousands) Fair Value (Level 1) (Level 2) (Level 3) Available-for-sale debt securities: Obligations of state and political subdivisions $ 152,187 $ - $ 152,187 $ - U.S. government/government-sponsored agencies: Collateralized mortgage obligations - residential 34,207 - 34,207 - Collateralized mortgage obligations - commercial 73,640 - 73,640 - Mortgage-backed securities 23,934 - 23,934 - Private collateralized mortgage obligations 2,913 - 2,913 - Corporate debt securities 4,936 - 1,007 3,929 Asset-backed securities 1,802 - 1,802 - Negotiable certificates of deposit 2,413 - 2,413 - Total available-for-sale debt securities $ 296,032 $ - $ 292,103 $ 3,929 Equity Securities $ 891 $ 891 $ - $ -
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Corporate Debt Securities For the Year Ended December 31, (in thousands) 2019 2018 Balance at January 1, $ 3,929 $ 4,058 Additions 1,000 - Payments received - - Sales - - Total gains or losses (realized/unrealized): Included in earnings - - Included in other comprehensive income 221 (129 ) Balance at December 31, $ 5,150 $ 3,929
Fair Value Measurements, Nonrecurring [Table Text Block]	December 31, 2019 Fair Value Measurement Quantitative Information Recorded Valuation Fair Valuation Unobservable Value/ (in thousands) Investment Allowance Value Technique Inputs Range Impaired loans - collateral dependent $ 7,721 $ 376 $ 7,345 Appraisal of collateral Selling costs 10.0% Impaired loans - other 8,065 97 7,968 Discounted cash flows Discount rate 3.99% - 7.49 % Other real estate owned 289 - 289 Appraisal of collateral Selling costs 10.0% December 31, 2018 Fair Value Measurement Quantitative Information Recorded Valuation Fair Valuation Unobservable Value/ (in thousands) Investment Allowance Value Technique Inputs Range Impaired loans - collateral dependent $ 8,020 $ 606 $ 7,414 Appraisal of collateral Selling costs 10.0% Impaired loans - other 4,397 51 4,346 Discounted cash flows Discount rate 3.70% - 7.50% Other real estate owned 919 - 919 Appraisal of collateral Selling costs 10.0%
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value December 31, 2019 December 31, 2018 (in thousands) Measurement Carrying Value Fair Value Carrying Value Fair Value Financial assets Cash and short term investments Level 1 $ 34,565 $ 34,565 $ 36,481 $ 36,481 Available-for-sale debt securities See previous table 272,839 272,839 296,032 296,032 Equity securities Level 1 920 920 891 891 Restricted stock Level 2 3,804 3,804 3,123 3,123 Loans held for sale Level 2 1,061 1,061 820 820 Loans, net Level 3 819,529 810,074 829,581 816,234 Accrued interest receivable Level 2 3,234 3,234 3,614 3,614 Equity securities without readily determinable fair values Level 3 1,658 1,658 1,658 1,658 Servicing rights Level 3 356 790 350 878 Financial liabilities Deposits Level 2 1,001,709 1,001,829 1,095,629 1,093,797 Borrowed funds Level 2 57,219 57,234 34,240 34,108 Accrued interest payable Level 2 258 258 338 338

Note 16 - Earnings Per Share (T

Note 16 - Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Year Ended December 31, (in thousands, except share data) 2019 2018 Net income $ 11,075 $ 13,349 Basic weighted-average number of common stock outstanding 19,802,095 16,799,004 Plus: common share equivalents 5,497 21,749 Diluted weighted-average number of common stock outstanding 19,807,592 16,820,753 Income per share of common stock: Basic $ 0.56 $ 0.79 Diluted $ 0.56 $ 0.79

Note 17 - Other Comprehensive_2

Note 17 - Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]	For the year Ended December 31, 2019 Amount Reclassified from Accumulated Affected Line Item Other Comprehensive in the Consolidated (in thousands) Income (Loss) Statements of Income Available-for-sale debt securities: Reclassification adjustment for net gains reclassified into net income $ (1,227 ) Net gain (loss) on the sale of available-for-sale securities Taxes 258 Income taxes Net of tax amount $ (969 ) For the year Ended December 31, 2018 Amount Reclassified from Accumulated Affected Line Item Other Comprehensive in the Consolidated (in thousands) Income (Loss) Statements of Income Available-for-sale debt securities: Reclassification adjustment for net losses reclassified into net income $ 4 Net gain (loss) on the sale of available-for-sale securities Taxes (1 ) Income taxes Net of tax amount $ 3
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	For the Year Ended December 31, (in thousands) 2019 2018 Balance, January 1, $ (4,540 ) $ (1,745 ) Other comprehensive income (loss) before reclassifications 8,565 (2,863 ) Amounts reclassified from accumulated other comprehensive income (loss) (969 ) 3 Net other comprehensive income (loss) during the period 7,596 (2,860 ) Reclassification of net loss on equity securities upon adoption of ASU 2016-01 - 65 Balance, December 31, $ 3,056 $ (4,540 )

Note 18 - Condensed Financial_2

Note 18 - Condensed Financial Information - Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Condensed Balance Sheet [Table Text Block]	December 31, (in thousands) 2019 2018 Assets: Cash $ 10,343 $ 5,976 Investment in statutory trust 418 405 Investment in subsidiary (equity method) 131,194 104,134 Other assets 2,019 2,081 Total assets $ 143,974 $ 112,596 Liabilities and Shareholders’ Equity: Subordinated debentures $ - $ 5,000 Junior subordinated debentures 10,310 10,310 Accrued interest payable 16 38 Other liabilities 41 29 Total liabilities 10,367 15,377 Shareholders’ equity 133,607 97,219 Total liabilities and shareholders’ equity $ 143,974 $ 112,596
Condensed Income Statement [Table Text Block]	For the Year Ended December 31, (in thousands) 2019 2018 Income: Dividends from subsidiaries $ 10,000 $ 12,180 Interest on interest-bearing deposits in other banks 77 3 Income from trust 13 12 Total income 10,090 12,195 Expense: Interest on subordinated notes 24 228 Interest on junior subordinated debt 430 400 Other operating expenses 275 353 Other losses - 32 Total expenses 729 1,013 Income before income taxes 9,361 11,182 Provision for income taxes - - Income before equity in undistributed net income of subsidiary 9,361 11,182 Equity in undistributed net income of subsidiary 1,714 2,167 Net income $ 11,075 $ 13,349
Condensed Cash Flow Statement [Table Text Block]	For the Year Ended December 31, (in thousands) 2019 2018 Cash flows from operating activities: Net income $ 11,075 $ 13,349 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed income of subsidiary (1,714 ) (2,167 ) Equity in trust (13 ) (12 ) (Decrease) increase in accrued interest payable (22 ) 3 Decrease in other assets 467 65 Decrease in director indemnification liability - (2,553 ) Increase (decrease) in other liabilities 12 (30 ) Net cash provided by operating activities 9,805 8,655 Cash flows from investing activities: Investment in Subsidiary (17,750 ) - Net cash used in investing activities (17,750 ) - Cash flows from financing activities: Principal reduction on subordinated debentures (5,000 ) - Proceeds from issuance of common shares 21,342 117 Cash dividends paid (4,030 ) (2,857 ) Net cash provided by (used in) financing activities 12,312 (2,740 ) Net increase in cash 4,367 5,915 Cash at beginning of year 5,976 61 Cash at end of year $ 10,343 $ 5,976

Note 19 - Selected Quarterly _2

Note 19 - Selected Quarterly Financial Data (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Quarterly Financial Information [Table Text Block]	2019 Quarter Ended (in thousands, except share data) March 31, June 30, September 30, December 31, Interest income $ 11,609 $ 11,462 $ 11,506 $ 11,479 Interest expense 2,663 2,508 2,455 2,170 Net interest income 8,946 8,954 9,051 9,309 (Credit) provision for loan and lease losses (154 ) 347 637 (33 ) Net interest income after (credit) provision for loan and lease losses 9,100 8,607 8,414 9,342 Non-interest income 1,515 1,578 1,831 2,696 Non-interest expense 7,425 7,122 7,329 7,806 Income before income taxes 3,190 3,063 2,916 4,232 Income tax expense 555 514 513 744 Net income $ 2,635 $ 2,549 $ 2,403 $ 3,488 Earnings per share: Basic $ 0.14 $ 0.13 $ 0.12 $ 0.17 Diluted $ 0.14 $ 0.13 $ 0.12 $ 0.17 2018 Quarter Ended (in thousands, except share data) March 31, June 30, September 30, December 31, Interest income $ 10,440 $ 11,234 $ 11,693 $ 11,718 Interest expense 1,562 1,997 2,438 2,581 Net interest income 8,878 9,237 9,255 9,137 Provision (credit) for loan and lease losses 720 880 1,149 (199 ) Net interest income after provision (credit) for loan and lease losses 8,158 8,357 8,106 9,336 Non-interest income 1,519 1,529 1,320 7,422 Non-interest expense 7,232 6,966 7,188 7,941 Income before income taxes 2,445 2,920 2,238 8,817 Income tax expense 426 508 388 1,749 Net income $ 2,019 $ 2,412 $ 1,850 $ 7,068 Earnings per share: Basic $ 0.12 $ 0.14 $ 0.11 $ 0.42 Diluted $ 0.12 $ 0.14 $ 0.11 $ 0.42

Note 2 - Summary of Significa_3

Note 2 - Summary of Significant Accounting Policies (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Jan. 01, 2019	Dec. 31, 2018
Loans Still Classified as Non-accrual Status, Period of Past Due	90 days
Financing Receivable Performance Period Under Loan Terms for Reclassification from Non-accrual Status	180 days
Outstanding Loans Balances That Are Considered to Be Within Homogeneous Pools and Not Individually Evaluated for Impairment, Maximum	$ 100
Minimum Balance of Impaired Loan Relationships That Are Individually Evaluated for Impairment	100
Unrecognized Tax Benefits, Ending Balance	0		$ 0
Accounting Standards Update 2016-02 [Member]
Operating Lease, Right-of-Use Asset		$ 3,200
Operating Lease, Liability, Total		$ 3,700
Other Liabilities [Member]
Operating Lease, Liability, Total	3,471
Other Liabilities [Member] | Guaranteed Minimum Death Benefit [Member]
Net Amount at Risk by Product and Guarantee, Net Amount at Risk	$ 113		$ 111

Note 2 - Summary of Significa_4

Note 2 - Summary of Significant Accounting Policies - Property, Plant and Equipment Useful Life (Details)	12 Months Ended
	Dec. 31, 2019
Building and Building Improvements [Member] | Minimum [Member]
Buildings and improvements (Year)	5 years
Building and Building Improvements [Member] | Maximum [Member]
Buildings and improvements (Year)	40 years
Furniture and Fixtures [Member] | Minimum [Member]
Buildings and improvements (Year)	3 years
Furniture and Fixtures [Member] | Maximum [Member]
Buildings and improvements (Year)	20 years
Leasehold Improvements [Member] | Minimum [Member]
Buildings and improvements (Year)	3 years
Leasehold Improvements [Member] | Maximum [Member]
Buildings and improvements (Year)	35 years

Note 3 - Restricted Cash Bala_2

Note 3 - Restricted Cash Balances (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Average Reserves Maintained with Federal Reserve Bank	$ 1.6	$ 1.6
Compensating Balances Maintained at Correspondent Banks	$ 1.2	$ 2.8

Note 4 - Securities (Details Te

Note 4 - Securities (Details Textual) $ / shares in Units, $ in Thousands	Jan. 01, 2018USD ($)	Sep. 30, 2020$ / sharesshares	Dec. 31, 2019USD ($)shares	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)$ / shares
Number of Non-government Securities of Any Individual Issuer Exceeding 10 Percent of Shareholders' Equity			0	0
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions			21	173
Other than Temporary Impairment Losses, Investments, Total			$ 0
Equity Securities, FV-NI			920	$ 891
Reclassification from Accumulated Other Comprehensive Income to Retained Earnings
Share Price | $ / shares					$ 8.25
Forecast [Member] | Merger Agreement [Member]
Business Acquisition, Equity Interest Issued or Issuable, Per Share | shares		0.6212
Business Acquisition, Share Price | $ / shares		$ 16.50
Business Combination, Consideration Transferred, Cash, Percent		25.00%
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable, Percent		75.00%
Other Assets [Member]
Equity Securities without Readily Determinable Fair Value, Amount			1,700	1,700
Federal Home Loan Bank of Pittsburgh [Member]
Impairment on Federal Home Loan Bank Stock			0	0
Retained Earnings [Member]
Reclassification from Accumulated Other Comprehensive Income to Retained Earnings				(65)
Retained Earnings [Member] | Accounting Standards Update 2016-01 [Member]
Reclassification from Accumulated Other Comprehensive Income to Retained Earnings	$ (65)
Mutual Fund [Member]
Equity Securities, FV-NI, Cost			1,000
Equity Securities, FV-NI, Accumulated Unrealized Loss			80	109
Equity Securities, FV-NI			$ 920	$ 891
US States and Political Subdivisions Debt Securities [Member]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions			10	112
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions			5
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions			4	1
Asset-backed Securities [Member]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions			2	2
Equity Security Without Readily Determinable Fair Value [Member]
Equity Securities without Readily Determinable Fair Value, Shares | shares			201,000
Payments to Acquire Other Investments					$ 1,700

Note 4 - Securities - Available

Note 4 - Securities - Available-for-sale Debt Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Available-for-sale debt securities, amortized cost	$ 268,971	$ 301,779
Available-for-sale debt securities, gross unrealized holding gains	4,374	288
Available-for-sale debt securities, gross unrealized holding losses	506	6,035
Available-for-sale debt securities, at fair value	272,839	296,032
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale debt securities, amortized cost	115,428	154,268
Available-for-sale debt securities, gross unrealized holding gains	2,694	214
Available-for-sale debt securities, gross unrealized holding losses	359	2,295
Available-for-sale debt securities, at fair value	117,763	152,187
Residential Mortgage Backed Securities [Member]
Available-for-sale debt securities, amortized cost	79,606	35,147
Available-for-sale debt securities, gross unrealized holding gains	780	6
Available-for-sale debt securities, gross unrealized holding losses	92	946
Available-for-sale debt securities, at fair value	80,294	34,207
Commercial Mortgage Backed Securities [Member]
Available-for-sale debt securities, amortized cost	17,414	76,038
Available-for-sale debt securities, gross unrealized holding gains	320
Available-for-sale debt securities, gross unrealized holding losses	11	2,398
Available-for-sale debt securities, at fair value	17,723	73,640
Collateralized Mortgage Backed Securities [Member]
Available-for-sale debt securities, amortized cost	18,142	24,165
Available-for-sale debt securities, gross unrealized holding gains	343	47
Available-for-sale debt securities, gross unrealized holding losses		278
Available-for-sale debt securities, at fair value	18,485	23,934
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Available-for-sale debt securities, amortized cost	25,069	2,908
Available-for-sale debt securities, gross unrealized holding gains	49	7
Available-for-sale debt securities, gross unrealized holding losses	43	2
Available-for-sale debt securities, at fair value	25,075	2,913
Corporate Debt Securities [Member]
Available-for-sale debt securities, amortized cost	7,000	5,000
Available-for-sale debt securities, gross unrealized holding gains	182	14
Available-for-sale debt securities, gross unrealized holding losses		78
Available-for-sale debt securities, at fair value	7,182	4,936
Asset-backed Securities [Member]
Available-for-sale debt securities, amortized cost	5,618	1,825
Available-for-sale debt securities, gross unrealized holding gains	4
Available-for-sale debt securities, gross unrealized holding losses	1	23
Available-for-sale debt securities, at fair value	5,621	1,802
Negotiable Certificates of Deposit [Member]
Available-for-sale debt securities, amortized cost	694	2,428
Available-for-sale debt securities, gross unrealized holding gains	2	0
Available-for-sale debt securities, gross unrealized holding losses		15
Available-for-sale debt securities, at fair value	$ 696	$ 2,413

Note 4 - Securities - Availab_2

Note 4 - Securities - Available-for-sale Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
One year or less, amortized cost	$ 2,195
One year or less, fair value	2,201
After one year through five years, amortized cost	49,724
After one year through five years, fair value	50,936
After five years through ten years, amortized cost	51,056
After five years through ten years, fair value	52,525
After ten years, amortized cost	20,147
After ten years, fair value	19,979
Total, amortized cost	268,971	$ 301,779
Available-for-sale debt securities	272,839	296,032
Asset-backed Securities [Member]
Securities without a single maturity, amortized cost	5,618
Securities without a single maturity, fair value	5,621
Total, amortized cost	5,618	1,825
Available-for-sale debt securities	5,621	1,802
Collateralized Mortgage Obligations [Member]
Securities without a single maturity, amortized cost	122,089
Securities without a single maturity, fair value	123,092
Collateralized Mortgage Backed Securities [Member]
Securities without a single maturity, amortized cost	18,142
Securities without a single maturity, fair value	18,485
Total, amortized cost	18,142	24,165
Available-for-sale debt securities	$ 18,485	$ 23,934

Note 4 - Securities - Gross Pro

Note 4 - Securities - Gross Proceeds Received and Realized Gain (Loss) on Sale of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Gross proceeds received on sales	$ 128,233	$ 4,559
Gross realized gains	1,257
Gross realized losses	(30)	(4)
Net gain (loss) on equity securities	29	(27)
Less: net gains (losses) recognized on equity securities sold
Unrealized gain (loss) recognized on equity securities held	$ 29	$ (27)

Note 4 - Securities - Availab_3

Note 4 - Securities - Available-for-sale Debt Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Less than 12 months, number of securities	21	11
Less than 12 months, fair value	$ 61,748	$ 12,187
Less than 12 months, gross unrealized losses	$ 506	$ 290
12 months or longer, number of securities		162
12 months or longer, fair value		$ 231,017
12 months or longer, gross unrealized losses		$ 5,745
Total, number of securities	21	173
Total, fair value	$ 61,748	$ 243,204
Total, gross unrealized losses	$ 506	$ 6,035
US States and Political Subdivisions Debt Securities [Member]
Less than 12 months, number of securities	10	3
Less than 12 months, fair value	$ 19,436	$ 7,154
Less than 12 months, gross unrealized losses	$ 359	$ 205
12 months or longer, number of securities		109
12 months or longer, fair value		$ 112,563
12 months or longer, gross unrealized losses		$ 2,090
Total, number of securities	10	112
Total, fair value	$ 19,436	$ 119,717
Total, gross unrealized losses	$ 359	$ 2,295
Residential Mortgage Backed Securities [Member]
Less than 12 months, number of securities	4
Less than 12 months, fair value	$ 19,934
Less than 12 months, gross unrealized losses	$ 92
12 months or longer, number of securities		14
12 months or longer, fair value		$ 31,414
12 months or longer, gross unrealized losses		$ 946
Total, number of securities	4	14
Total, fair value	$ 19,934	$ 31,414
Total, gross unrealized losses	$ 92	$ 946
Commercial Mortgage Backed Securities [Member]
Less than 12 months, number of securities	1
Less than 12 months, fair value	$ 2,500
Less than 12 months, gross unrealized losses	$ 11
12 months or longer, number of securities		25
12 months or longer, fair value		$ 73,640
12 months or longer, gross unrealized losses		$ 2,398
Total, number of securities	1	25
Total, fair value	$ 2,500	$ 73,640
Total, gross unrealized losses	$ 11	$ 2,398
Collateralized Mortgage Backed Securities [Member]
Less than 12 months, number of securities		1
Less than 12 months, fair value		$ 52
Less than 12 months, gross unrealized losses
12 months or longer, number of securities		6
12 months or longer, fair value		$ 10,294
12 months or longer, gross unrealized losses		$ 278
Total, number of securities		7
Total, fair value		$ 10,346
Total, gross unrealized losses		$ 278
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Less than 12 months, number of securities	4	1
Less than 12 months, fair value	$ 18,990	$ 950
Less than 12 months, gross unrealized losses	$ 43	$ 2
12 months or longer, number of securities
12 months or longer, fair value
12 months or longer, gross unrealized losses
Total, number of securities	4	1
Total, fair value	$ 18,990	$ 950
Total, gross unrealized losses	$ 43	$ 2
Corporate Debt Securities [Member]
Less than 12 months, number of securities		2
Less than 12 months, fair value		$ 2,922
Less than 12 months, gross unrealized losses		$ 78
12 months or longer, number of securities		0
12 months or longer, fair value		$ 0
12 months or longer, gross unrealized losses		$ 0
Total, number of securities		2
Total, fair value		$ 2,922
Total, gross unrealized losses		$ 78
Asset-backed Securities [Member]
Less than 12 months, number of securities	2	1
Less than 12 months, fair value	$ 888	$ 369
Less than 12 months, gross unrealized losses	$ 1	$ 2
12 months or longer, number of securities		1
12 months or longer, fair value		$ 1,433
12 months or longer, gross unrealized losses		$ 21
Total, number of securities	2	2
Total, fair value	$ 888	$ 1,802
Total, gross unrealized losses	$ 1	$ 23
Negotiable Certificates of Deposit [Member]
Less than 12 months, number of securities		3
Less than 12 months, fair value		$ 740
Less than 12 months, gross unrealized losses		$ 3
12 months or longer, number of securities		7
12 months or longer, fair value		$ 1,673
12 months or longer, gross unrealized losses		$ 12
Total, number of securities		10
Total, fair value		$ 2,413
Total, gross unrealized losses		$ 15

Note 4 - Securities - Restricte

Note 4 - Securities - Restricted Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Stock in Atlantic Community Bankers Bank	$ 10	$ 10
Restricted stock, at cost	3,804	3,123
Federal Home Loan Bank of Pittsburgh [Member]
Stock in Federal Home Loan Bank of Pittsburgh	$ 3,794	$ 3,113

Note 5 - Loans (Details Textual

Note 5 - Loans (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Gain (Loss) on Sales of Loans, Net, Total	$ 253	$ 210
Loans Receivable Held-for-sale, Net, Not Part of Disposal Group, Ending Balance	$ 1,061	820
Loans Still Classified as Non-accrual Status, Period of Past Due	90 days
Financing Receivable, Nonaccrual	$ 9,100	4,700
Financing Receivable, 90 Days or More Past Due, Still Accruing	0	0
Evaluated Individually for Impairment, Non-accrued Loans Other Than TDRs, Threshold	100
Financing Receivable, Collectively Evaluated for Impairment	810,570	822,790
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	400	200
Financing Receivable, Troubled Debt Restructuring	9,100	9,200
Loans and Leases Receivable, Allowance, Ending Balance	8,950	9,519
Financing Receivable, Troubled Debt Restructuring, Commitment to Lend	$ 0	$ 0
Financing Receivable, Modifications, Number of Contracts	10	0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0
Residential Portfolio Segment [Member]
Financing Receivable, Modifications, Number of Contracts	4
Number of Real Estate Properties in Process of Foreclosure	1
Real Estate Investment Property in Process of Foreclosure	$ 154
Real Estate Investment Property, Foreclosed		$ 0
Real Estate Investment Property, Net, Total	$ 204	$ 45
Number of Real Estate Properties in OREO	1	1
Residential Portfolio Segment [Member] | Investor-owned Real Estate Loan [Member]
Number of Real Estate Properties, Foreclosed	2
Real Estate Investment Property, Foreclosed	$ 256
Consumer Portfolio Segment [Member]
Financing Receivable, Collectively Evaluated for Impairment	$ 138,044	$ 176,401
Financing Receivable, Modifications, Number of Contracts
Mortgage Loans in Process of Foreclosure, Number		2
Mortgage Loans in Process of Foreclosure, Amount		$ 0
Troubled Debt Restructuring [Member]
Loans and Leases Receivable, Allowance, Ending Balance	$ 97	651
Nonaccrual Loans [Member]
Financing Receivable, Collectively Evaluated for Impairment	1,000	700
Performing Financial Instruments [Member]
Financing Receivable, Troubled Debt Restructuring	7,700	8,500
Nonperforming Financial Instruments [Member]
Financing Receivable, Troubled Debt Restructuring	1,400	700
Small Business Administration [Member]
Gain (Loss) on Sales of Loans, Net, Total		322
Loans Sold During Period, Principal Balance	0	5,700
Loans Serviced for Others, Unpaid Principal Balance	106,000	108,400
One- to Four-family Mortgages [Member]
Recorded Investment of Mortgage Loans Sold	9,600
Gain (Loss) on Sales of Loans, Net, Total	253	210
Loans Receivable Held-for-sale, Net, Not Part of Disposal Group, Ending Balance	$ 1,100	$ 820

Note 5 - Loans - Loans Receivab

Note 5 - Loans - Loans Receivable, Net (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans, gross	$ 826,356	$ 835,207
Unearned income	(69)	(70)
Net deferred loan costs	2,192	3,963
Allowance for loan and lease losses	(8,950)	(9,519)
Loans, net	819,529	829,581
Residential Portfolio Segment [Member]
Loans, gross	170,723	164,833
Commercial Real Estate Portfolio Segment [Member]
Loans, gross	278,379	262,778
Construction, Land Acquisition and Development [Member]
Loans, gross	47,484	20,813
Commercial and Industrial [Member]
Loans, gross	147,623	150,962
Consumer Portfolio Segment [Member]
Loans, gross	138,239	176,784
State and Political Subdivisions [Member]
Loans, gross	$ 43,908	$ 59,037

Note 5 - Loans - Activity in th

Note 5 - Loans - Activity in the Allowance for Loan Losses, by Loan Category (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Balance				$ 9,519				$ 9,034	$ 9,519	$ 9,034
Charge-offs									(2,614)	(3,139)
Recoveries									1,248	1,074
Provision for loan and lease losses	$ (33)	$ 637	$ 347	(154)	$ (199)	$ 1,149	$ 880	720	797	2,550
Balance	8,950				9,519				8,950	9,519
Specific reserve	473				657				473	657
General reserve	8,477				8,862				8,477	8,862
Individually evaluated for impairment	15,786				12,417				15,786	12,417
Financing Receivable, Collectively Evaluated for Impairment	810,570				822,790				810,570	822,790
Total loans, gross	826,356				835,207				826,356	835,207
Residential Portfolio Segment [Member]
Total loans, gross	170,723				164,833				170,723	164,833
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Balance				1,175				1,236	1,175	1,236
Charge-offs									(27)	(63)
Recoveries									9	135
Provision for loan and lease losses									(10)	(133)
Balance	1,147				1,175				1,147	1,175
Specific reserve	9				14				9	14
General reserve	1,138				1,161				1,138	1,161
Individually evaluated for impairment	2,711				1,847				2,711	1,847
Financing Receivable, Collectively Evaluated for Impairment	168,012				162,986				168,012	162,986
Total loans, gross	170,723				164,833				170,723	164,833
Commercial Real Estate Portfolio Segment [Member]
Total loans, gross	278,379				262,778				278,379	262,778
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Balance				3,107				3,499	3,107	3,499
Charge-offs										(1,845)
Recoveries									32	42
Provision for loan and lease losses									59	1,411
Balance	3,198				3,107				3,198	3,107
Specific reserve	221				41				221	41
General reserve	2,977				3,066				2,977	3,066
Individually evaluated for impairment	11,640				9,408				11,640	9,408
Financing Receivable, Collectively Evaluated for Impairment	266,739				253,370				266,739	253,370
Total loans, gross	278,379				262,778				278,379	262,778
Construction, Land Acquisition and Development [Member]
Total loans, gross	47,484				20,813				47,484	20,813
Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member]
Balance				188				209	188	209
Charge-offs									(18)
Recoveries									82	30
Provision for loan and lease losses									19	(51)
Balance	271				188				271	188
Specific reserve
General reserve	271				188				271	188
Individually evaluated for impairment	76				82				76	82
Financing Receivable, Collectively Evaluated for Impairment	47,408				20,731				47,408	20,731
Total loans, gross	47,484				20,813				47,484	20,813
Commercial and Industrial [Member]
Balance				2,552				2,340	2,552	2,340
Charge-offs									(1,258)	(97)
Recoveries									364	291
Provision for loan and lease losses									339	18
Balance	1,997				2,552				1,997	2,552
Specific reserve	242				600				242	600
General reserve	1,755				1,952				1,755	1,952
Individually evaluated for impairment	1,164				697				1,164	697
Financing Receivable, Collectively Evaluated for Impairment	146,459				150,265				146,459	150,265
Total loans, gross	147,623				150,962				147,623	150,962
Consumer Portfolio Segment [Member]
Balance				2,051				1,395	2,051	1,395
Charge-offs									(1,311)	(1,134)
Recoveries									761	576
Provision for loan and lease losses									157	1,214
Balance	1,658				2,051				1,658	2,051
Specific reserve	1				2				1	2
General reserve	1,657				2,049				1,657	2,049
Individually evaluated for impairment	195				383				195	383
Financing Receivable, Collectively Evaluated for Impairment	138,044				176,401				138,044	176,401
Total loans, gross	138,239				176,784				138,239	176,784
State and Political Subdivisions [Member]
Balance				417				355	417	355
Charge-offs									0	0
Recoveries									0	0
Provision for loan and lease losses									(164)	62
Balance	253				417				253	417
Specific reserve
General reserve	253				417				253	417
Individually evaluated for impairment
Financing Receivable, Collectively Evaluated for Impairment	43,908				59,037				43,908	59,037
Total loans, gross	43,908				59,037				43,908	59,037
Unallocated Financing Receivables [Member]
Balance				$ 29					29
Charge-offs									0	0
Recoveries									0	0
Provision for loan and lease losses									397	29
Balance	426				29				426	29
Specific reserve
General reserve	426				29				426	29
Individually evaluated for impairment
Financing Receivable, Collectively Evaluated for Impairment
Total loans, gross

Note 5 - Loans - Loans by Credi

Note 5 - Loans - Loans by Credit Quality Indicator (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans	$ 826,356	$ 835,207
Commercial Loans [Member]
Loans	546,960	520,847
Accruing Loans [Member]
Loans	277,413	313,278
Nonaccrual Loans [Member]
Loans	1,982	1,082
Subtotal, Other Loans [Member]
Loans	279,395	314,360
Pass [Member] | Commercial Loans [Member]
Loans	532,300	499,208
Special Mention [Member] | Commercial Loans [Member]
Loans	2,271	8,007
Substandard [Member] | Commercial Loans [Member]
Loans	12,390	13,632
Doubtful [Member] | Commercial Loans [Member]
Loans		0
Unlikely to be Collected Financing Receivable [Member] | Commercial Loans [Member]
Loans		0
Residential Portfolio Segment [Member]
Loans	170,723	164,833
Residential Portfolio Segment [Member] | Commercial Loans [Member]
Loans	32,703	34,018
Residential Portfolio Segment [Member] | Accruing Loans [Member]
Loans	136,709	130,132
Residential Portfolio Segment [Member] | Nonaccrual Loans [Member]
Loans	1,311	683
Residential Portfolio Segment [Member] | Subtotal, Other Loans [Member]
Loans	138,020	130,815
Residential Portfolio Segment [Member] | Pass [Member] | Commercial Loans [Member]
Loans	32,219	33,573
Residential Portfolio Segment [Member] | Special Mention [Member] | Commercial Loans [Member]
Loans	177	291
Residential Portfolio Segment [Member] | Substandard [Member] | Commercial Loans [Member]
Loans	307	154
Residential Portfolio Segment [Member] | Doubtful [Member] | Commercial Loans [Member]
Loans	0	0
Residential Portfolio Segment [Member] | Unlikely to be Collected Financing Receivable [Member] | Commercial Loans [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans	278,379	262,778
Commercial Real Estate Portfolio Segment [Member] | Commercial Loans [Member]
Loans	278,379	262,778
Commercial Real Estate Portfolio Segment [Member] | Accruing Loans [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Nonaccrual Loans [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Subtotal, Other Loans [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Commercial Loans [Member]
Loans	266,112	250,674
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Commercial Loans [Member]
Loans	1,668	1,858
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Commercial Loans [Member]
Loans	10,599	10,246
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Commercial Loans [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Unlikely to be Collected Financing Receivable [Member] | Commercial Loans [Member]
Loans	0	0
Construction, Land Acquisition and Development [Member]
Loans	47,484	20,813
Construction, Land Acquisition and Development [Member] | Commercial Loans [Member]
Loans	46,361	18,461
Construction, Land Acquisition and Development [Member] | Accruing Loans [Member]
Loans	1,123	2,352
Construction, Land Acquisition and Development [Member] | Nonaccrual Loans [Member]
Loans	0	0
Construction, Land Acquisition and Development [Member] | Subtotal, Other Loans [Member]
Loans	1,123	2,352
Construction, Land Acquisition and Development [Member] | Pass [Member] | Commercial Loans [Member]
Loans	46,361	17,704
Construction, Land Acquisition and Development [Member] | Special Mention [Member] | Commercial Loans [Member]
Loans	0	0
Construction, Land Acquisition and Development [Member] | Substandard [Member] | Commercial Loans [Member]
Loans	0	757
Construction, Land Acquisition and Development [Member] | Doubtful [Member] | Commercial Loans [Member]
Loans	0	0
Construction, Land Acquisition and Development [Member] | Unlikely to be Collected Financing Receivable [Member] | Commercial Loans [Member]
Loans	0	0
Commercial and Industrial [Member]
Loans	147,623	150,962
Commercial and Industrial [Member] | Commercial Loans [Member]
Loans	142,499	144,529
Commercial and Industrial [Member] | Accruing Loans [Member]
Loans	5,124	6,421
Commercial and Industrial [Member] | Nonaccrual Loans [Member]
Loans	0	12
Commercial and Industrial [Member] | Subtotal, Other Loans [Member]
Loans	5,124	6,433
Commercial and Industrial [Member] | Pass [Member] | Commercial Loans [Member]
Loans	140,589	137,888
Commercial and Industrial [Member] | Special Mention [Member] | Commercial Loans [Member]
Loans	426	4,193
Commercial and Industrial [Member] | Substandard [Member] | Commercial Loans [Member]
Loans	1,484	2,448
Commercial and Industrial [Member] | Doubtful [Member] | Commercial Loans [Member]
Loans	0	0
Commercial and Industrial [Member] | Unlikely to be Collected Financing Receivable [Member] | Commercial Loans [Member]
Loans	0	0
Consumer Portfolio Segment [Member]
Loans	138,239	176,784
Consumer Portfolio Segment [Member] | Commercial Loans [Member]
Loans	3,111	2,024
Consumer Portfolio Segment [Member] | Accruing Loans [Member]
Loans	134,457	174,373
Consumer Portfolio Segment [Member] | Nonaccrual Loans [Member]
Loans	671	387
Consumer Portfolio Segment [Member] | Subtotal, Other Loans [Member]
Loans	135,128	174,760
Consumer Portfolio Segment [Member] | Pass [Member] | Commercial Loans [Member]
Loans	3,111	2,024
Consumer Portfolio Segment [Member] | Special Mention [Member] | Commercial Loans [Member]
Loans	0	0
Consumer Portfolio Segment [Member] | Substandard [Member] | Commercial Loans [Member]
Loans	0	0
Consumer Portfolio Segment [Member] | Doubtful [Member] | Commercial Loans [Member]
Loans	0	0
Consumer Portfolio Segment [Member] | Unlikely to be Collected Financing Receivable [Member] | Commercial Loans [Member]
Loans	0	0
State and Political Subdivisions [Member]
Loans	43,908	59,037
State and Political Subdivisions [Member] | Commercial Loans [Member]
Loans	43,908	59,037
State and Political Subdivisions [Member] | Accruing Loans [Member]
Loans		0
State and Political Subdivisions [Member] | Nonaccrual Loans [Member]
Loans		0
State and Political Subdivisions [Member] | Subtotal, Other Loans [Member]
Loans		0
State and Political Subdivisions [Member] | Pass [Member] | Commercial Loans [Member]
Loans	43,908	57,345
State and Political Subdivisions [Member] | Special Mention [Member] | Commercial Loans [Member]
Loans		1,665
State and Political Subdivisions [Member] | Substandard [Member] | Commercial Loans [Member]
Loans		27
State and Political Subdivisions [Member] | Doubtful [Member] | Commercial Loans [Member]
Loans		0
State and Political Subdivisions [Member] | Unlikely to be Collected Financing Receivable [Member] | Commercial Loans [Member]
Loans		$ 0

Note 5 - Loans - Performing and

Note 5 - Loans - Performing and Non-performing Loan Delinquency Status (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Loans past due	$ 826,356	$ 835,207
Performing Financial Instruments [Member]
Loans past due	817,272	830,511
Nonperforming Financial Instruments [Member]
Loans past due	9,084	4,696
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	169,149	164,145
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	1,574	688
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	272,742	259,904
Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	47,484	20,813
Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	0
Commercial and Industrial [Member] | Performing Financial Instruments [Member]
Loans past due	146,421	150,215
Commercial and Industrial [Member] | Nonperforming Financial Instruments [Member]
Loans past due	1,202	747
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans past due	137,568	176,397
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans past due	671	387
State and Political Subdivisions [Member] | Performing Financial Instruments [Member]
Loans past due	43,908	59,037
State and Political Subdivisions [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	0
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	5,637	2,874
Financial Asset, 1 to 29 Days Past Due [Member]
Loans past due	818,841	829,714
Financial Asset, 1 to 29 Days Past Due [Member] | Performing Financial Instruments [Member]
Loans past due	814,312	827,442
Financial Asset, 1 to 29 Days Past Due [Member] | Nonperforming Financial Instruments [Member]
Loans past due	4,529	2,272
Financial Asset, 1 to 29 Days Past Due [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	168,754	163,690
Financial Asset, 1 to 29 Days Past Due [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	873	443
Financial Asset, 1 to 29 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	272,561	259,904
Financial Asset, 1 to 29 Days Past Due [Member] | Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	47,484	20,813
Financial Asset, 1 to 29 Days Past Due [Member] | Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	0
Financial Asset, 1 to 29 Days Past Due [Member] | Commercial and Industrial [Member] | Performing Financial Instruments [Member]
Loans past due	146,221	150,108
Financial Asset, 1 to 29 Days Past Due [Member] | Commercial and Industrial [Member] | Nonperforming Financial Instruments [Member]
Loans past due	943	677
Financial Asset, 1 to 29 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans past due	135,384	173,890
Financial Asset, 1 to 29 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans past due	193	91
Financial Asset, 1 to 29 Days Past Due [Member] | State and Political Subdivisions [Member] | Performing Financial Instruments [Member]
Loans past due	43,908	59,037
Financial Asset, 1 to 29 Days Past Due [Member] | State and Political Subdivisions [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	0
Financial Asset, 1 to 29 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	2,520	1,061
Financial Asset, 30 to 59 Days Past Due [Member]
Loans past due	3,107	2,738
Financial Asset, 30 to 59 Days Past Due [Member] | Performing Financial Instruments [Member]
Loans past due	2,104	2,627
Financial Asset, 30 to 59 Days Past Due [Member] | Nonperforming Financial Instruments [Member]
Loans past due	1,003	111
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	134	319
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	17	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	75	0
Financial Asset, 30 to 59 Days Past Due [Member] | Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial [Member] | Performing Financial Instruments [Member]
Loans past due	200	87
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	50
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans past due	1,695	2,221
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans past due	93	61
Financial Asset, 30 to 59 Days Past Due [Member] | State and Political Subdivisions [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | State and Political Subdivisions [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	893	0
Financial Asset, 60 to 89 Days Past Due [Member]
Loans past due	1,670	652
Financial Asset, 60 to 89 Days Past Due [Member] | Performing Financial Instruments [Member]
Loans past due	856	442
Financial Asset, 60 to 89 Days Past Due [Member] | Nonperforming Financial Instruments [Member]
Loans past due	814	210
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	261	136
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	228	136
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	106	0
Financial Asset, 60 to 89 Days Past Due [Member] | Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial [Member] | Performing Financial Instruments [Member]
Loans past due		20
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial [Member] | Nonperforming Financial Instruments [Member]
Loans past due	114	0
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans past due	489	286
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans past due	38	74
Financial Asset, 60 to 89 Days Past Due [Member] | State and Political Subdivisions [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | State and Political Subdivisions [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	434	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans past due	2,738	2,103
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Nonperforming Financial Instruments [Member]
Loans past due	2,738	2,103
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	456	109
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial [Member] | Nonperforming Financial Instruments [Member]
Loans past due	145	20
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans past due	347	161
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | State and Political Subdivisions [Member] | Performing Financial Instruments [Member]
Loans past due	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | State and Political Subdivisions [Member] | Nonperforming Financial Instruments [Member]
Loans past due	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Nonperforming Financial Instruments [Member]
Loans past due	$ 1,790	$ 1,813

Note 5 - Loans - Impaired Loans

Note 5 - Loans - Impaired Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Recorded investment, with no allowance recorded	$ 6,457	$ 7,570
Unpaid principal balance, with no allowance recorded	8,262	9,280
Recorded investment, with a related allowance recorded	9,329	4,847
Unpaid principal balance, with a related allowance recorded	10,050	4,847
Related allowance	473	657
Recorded investment	15,786	12,417
Unpaid principal balance	18,312	14,127
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Recorded investment, with no allowance recorded	1,217	313
Unpaid principal balance, with no allowance recorded	1,303	375
Recorded investment, with a related allowance recorded	1,494	1,534
Unpaid principal balance, with a related allowance recorded	1,494	1,534
Related allowance	9	14
Recorded investment	2,711	1,847
Unpaid principal balance	2,797	1,909
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Recorded investment, with no allowance recorded	4,548	7,149
Unpaid principal balance, with no allowance recorded	6,007	8,795
Recorded investment, with a related allowance recorded	7,092	2,259
Unpaid principal balance, with a related allowance recorded	7,811	2,259
Related allowance	221	41
Recorded investment	11,640	9,408
Unpaid principal balance	13,818	11,054
Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member]
Recorded investment, with no allowance recorded	76	82
Unpaid principal balance, with no allowance recorded	76	82
Recorded investment, with a related allowance recorded	0	0
Unpaid principal balance, with a related allowance recorded	0	0
Related allowance	0	0
Recorded investment	76	82
Unpaid principal balance	76	82
Commercial and Industrial [Member]
Recorded investment, with no allowance recorded	593	0
Unpaid principal balance, with no allowance recorded	850	0
Recorded investment, with a related allowance recorded	571	697
Unpaid principal balance, with a related allowance recorded	573	697
Related allowance	242	600
Recorded investment	1,164	697
Unpaid principal balance	1,423	697
Consumer Portfolio Segment [Member]
Recorded investment, with no allowance recorded	23	26
Unpaid principal balance, with no allowance recorded	26	28
Recorded investment, with a related allowance recorded	172	357
Unpaid principal balance, with a related allowance recorded	172	357
Related allowance	1	2
Recorded investment	195	383
Unpaid principal balance	198	385
State and Political Subdivisions [Member]
Recorded investment, with no allowance recorded	0	0
Unpaid principal balance, with no allowance recorded	0	0
Recorded investment, with a related allowance recorded	0	0
Unpaid principal balance, with a related allowance recorded	0	0
Related allowance	0	0
Recorded investment	0	0
Unpaid principal balance	$ 0	$ 0

Note 5 - Loans - Average Balanc

Note 5 - Loans - Average Balance and Interest Income by Loan Category Recognized on Impaired Loans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Average Balance		$ 13,778	$ 11,637
Interest Income	[1]	398	417
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Average Balance		2,157	1,827
Interest Income	[1]	84	83
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Average Balance		10,092	8,580
Interest Income	[1]	297	311
Construction, Land Acquisition and Development [Member] | Real Estate Loan [Member]
Average Balance		79	83
Interest Income	[1]	5	5
Commercial and Industrial [Member]
Average Balance		1,207	759
Interest Income	[1]	1	1
Consumer Portfolio Segment [Member]
Average Balance		243	388
Interest Income	[1]	11	17
State and Political Subdivisions [Member]
Average Balance		0	0
Interest Income	[1]	$ 0	$ 0
[1]	Interest income represents income recognized on performing TDRs.

Note 5 - Loans - Loans Modified

Note 5 - Loans - Loans Modified as TDRs (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018
Number of contracts	10	0
Pre-modification outstanding recorded investment	$ 1,817
Post-modification outstanding recorded investment	1,865
Extended Maturity [Member]
Pre-modification outstanding recorded investment	1,389
Extended Maturity and Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment	178
Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment	42
Forbearance [Member]
Pre-modification outstanding recorded investment	$ 208
Residential Portfolio Segment [Member]
Number of contracts	4
Pre-modification outstanding recorded investment	$ 274
Post-modification outstanding recorded investment	289
Residential Portfolio Segment [Member] | Extended Maturity [Member]
Pre-modification outstanding recorded investment	24
Residential Portfolio Segment [Member] | Extended Maturity and Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment
Residential Portfolio Segment [Member] | Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment	42
Residential Portfolio Segment [Member] | Forbearance [Member]
Pre-modification outstanding recorded investment	$ 208
Commercial Real Estate Portfolio Segment [Member]
Number of contracts	2
Pre-modification outstanding recorded investment	$ 610
Post-modification outstanding recorded investment	644
Commercial Real Estate Portfolio Segment [Member] | Extended Maturity [Member]
Pre-modification outstanding recorded investment	432
Commercial Real Estate Portfolio Segment [Member] | Extended Maturity and Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment	178
Commercial Real Estate Portfolio Segment [Member] | Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment
Commercial Real Estate Portfolio Segment [Member] | Forbearance [Member]
Pre-modification outstanding recorded investment
Construction, Land Acquisition and Development [Member]
Number of contracts
Pre-modification outstanding recorded investment
Post-modification outstanding recorded investment
Construction, Land Acquisition and Development [Member] | Extended Maturity [Member]
Pre-modification outstanding recorded investment
Construction, Land Acquisition and Development [Member] | Extended Maturity and Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment
Construction, Land Acquisition and Development [Member] | Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment
Construction, Land Acquisition and Development [Member] | Forbearance [Member]
Pre-modification outstanding recorded investment
Commercial and Industrial [Member]
Number of contracts	4
Pre-modification outstanding recorded investment	$ 933
Post-modification outstanding recorded investment	932
Commercial and Industrial [Member] | Extended Maturity [Member]
Pre-modification outstanding recorded investment	933
Commercial and Industrial [Member] | Extended Maturity and Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment
Commercial and Industrial [Member] | Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment
Commercial and Industrial [Member] | Forbearance [Member]
Pre-modification outstanding recorded investment
Consumer Portfolio Segment [Member]
Number of contracts
Pre-modification outstanding recorded investment
Post-modification outstanding recorded investment
Consumer Portfolio Segment [Member] | Extended Maturity [Member]
Pre-modification outstanding recorded investment
Consumer Portfolio Segment [Member] | Extended Maturity and Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment
Consumer Portfolio Segment [Member] | Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment
Consumer Portfolio Segment [Member] | Forbearance [Member]
Pre-modification outstanding recorded investment
State and Political Subdivisions [Member]
Number of contracts
Pre-modification outstanding recorded investment
Post-modification outstanding recorded investment
State and Political Subdivisions [Member] | Extended Maturity [Member]
Pre-modification outstanding recorded investment
State and Political Subdivisions [Member] | Extended Maturity and Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment
State and Political Subdivisions [Member] | Capitalization of Taxes [Member]
Pre-modification outstanding recorded investment
State and Political Subdivisions [Member] | Forbearance [Member]
Pre-modification outstanding recorded investment

Note 6 - Bank Premises and Eq_3

Note 6 - Bank Premises and Equipment (Details Textual) - USD ($) $ in Thousands	Nov. 05, 2018	Sep. 27, 2018	Dec. 31, 2019	Dec. 31, 2018
Depreciation, Total			$ 1,400	$ 1,400
Payments to Acquire Real Estate, Total		$ 550
Relocation, Expected Cost	$ 2,000

Note 6 - Bank Premises and Eq_4

Note 6 - Bank Premises and Equipment - Property, Plant, and Equipment, Net (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Property, plant, and equipment, gross	$ 31,464	$ 28,027
Accumulated depreciation	(13,946)	(13,602)
Net	17,518	14,425
Land [Member]
Property, plant, and equipment, gross	3,537	3,383
Building and Building Improvements [Member]
Property, plant, and equipment, gross	12,798	10,865
Furniture and Fixtures [Member]
Property, plant, and equipment, gross	11,551	10,178
Leasehold Improvements [Member]
Property, plant, and equipment, gross	$ 3,578	$ 3,601

Note 7 - Deposits (Details Text

Note 7 - Deposits (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deposit Liabilities Reclassified as Loans Receivable	$ 62	$ 36
Deposit Liabilities Received on Terms Other than Normal Business	0	0
Investment Securities Pledged as Collateral for Municipal Deposits	235,000	286,400
Federal Home Loan Bank of Pittsburgh [Member]
Letters of Credit Outstanding, Amount	$ 60,000	$ 47,500

Note 7 - Deposits - Summary of

Note 7 - Deposits - Summary of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Demand (non-interest-bearing)	$ 179,465	$ 156,600
Interest-bearing demand	534,677	557,803
Savings	94,530	92,078
Time ($250,000 and over)	48,425	56,659
Other time	144,612	232,489
Total interest-bearing	822,244	939,029
Total deposits	$ 1,001,709	$ 1,095,629

Note 7 - Deposits - Summary o_2

Note 7 - Deposits - Summary of Maturities of Time Deposits (Details) $ in Thousands	Dec. 31, 2019USD ($)
2020	$ 134,912
2021	44,949
2022	6,837
2023	2,687
2024	3,652
2025 and thereafter
Total	193,037
Time Deposits $250,000 and Over [Member]
2020	41,009
2021	6,126
2022	1,290
2023
2024
2025 and thereafter
Total	48,425
Time Deposits Less Than $250,000 [Member]
2020	93,903
2021	38,823
2022	5,547
2023	2,687
2024	3,652
2025 and thereafter
Total	$ 144,612

Note 8 - Borrowed Funds (Detail

Note 8 - Borrowed Funds (Details Textual) - USD ($) $ in Thousands	Feb. 08, 2019	Sep. 01, 2017	Oct. 28, 2016	Jun. 30, 2015	Dec. 14, 2006	Dec. 31, 2019	Dec. 31, 2018	Jul. 01, 2015	Sep. 01, 2009
Advances from Federal Home Loan Banks, Total						$ 46,909	$ 18,930
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust, Total						10,310	10,310
Interest Payable						258	338
Repayments of Subordinated Debt, Total	$ 5,000	$ 5,000	$ 4,000	$ 11,000		5,000
Subordinated Debt, Ending Balance				$ 14,000			$ 5,000
Debentures [Member]
Debt Instrument, Interest Rate During Period						4.17%	3.88%
Interest Payable						$ 16	$ 19
Notes [Member]
Interest Payable							19
Federal Home Loan Bank Advances [Member] | Minimum [Member]
Debt Instrument, Term						270 days
Federal Home Loan Bank Advances [Member] | Maximum [Member]
Debt Instrument, Term						2 years
Trust Preferred Securities [Member] | First National Community Statutory Trust 1 [Member]
Proceeds from Issuance of Trust Preferred Securities					$ 10,000
Long-term Debt, Percentage Bearing Variable Interest, Percentage Rate					7.02%
Junior Subordinated Debt [Member] | First National Community Statutory Trust 1 [Member]
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust, Total					$ 10,300
Debt Instrument, Interest Rate, Stated Percentage					7.02%
Junior Subordinated Debt [Member] | First National Community Statutory Trust 1 [Member] | London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument, Basis Spread on Variable Rate					1.67%
Subordinated Debt [Member]
Debt Instrument, Interest Rate, Stated Percentage				9.00%				4.50%
Percent of Principal Amount Outstanding, Prepayment				44.00%
Subordinated Debt [Member] | First Payment [Member]
Percent of Principal Amount Outstanding to Be Repaid				16.00%
Debt Instrument Principal Amount Payable				$ 4,000
Subordinated Debt [Member] | Second Payment [Member]
Percent of Principal Amount Outstanding to Be Repaid				20.00%
Debt Instrument Principal Amount Payable				$ 5,000
Subordinated Debt [Member] | Third Payment [Member]
Percent of Principal Amount Outstanding to Be Repaid				20.00%
Debt Instrument Principal Amount Payable				$ 5,000
Subordinated Debt [Member] | Maximum [Member]
Debt Instrument, Face Amount									$ 25,000
Federal Home Loan Bank of Pittsburgh [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged						$ 475,300	492,300
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available						333,300
Advances from Federal Home Loan Banks, Total						32,800
Letters of Credit Outstanding, Amount						60,000	$ 47,500
Federal Home Loan Bank of Pittsburgh [Member] | FHLB of Pittsburgh Advances - Overnight [Member]
Advances from Federal Home Loan Banks, Total						14,100
Federal Funds Purchased [Member]
Line of Credit Facility, Maximum Borrowing Capacity						40,000
Federal Reserve Bank Advances [Member]
Line of Credit Facility, Maximum Borrowing Capacity						11,400
Loans Pledged as Collateral						$ 22,900

Note 8 - Borrowed Funds - Compo

Note 8 - Borrowed Funds - Components of Borrowed Funds (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Long-term borrowed funds, ending balance	$ 57,219	$ 34,240
Subordinated Debt [Member]
Long-term borrowed funds, ending balance		5,000
Long-term borrowed funds, average balance	520	5,000
Long-term borrowed funds, maximum month-end balance	$ 5,000	$ 5,000
Long-term borrowed funds, weighted average rate for the year	4.50%	4.50%
Total, weighted average interest rate		4.50%
Junior Subordinated Debt [Member]
Long-term borrowed funds, ending balance	$ 10,310	$ 10,310
Long-term borrowed funds, average balance	10,310	10,310
Long-term borrowed funds, maximum month-end balance	$ 10,310	$ 10,310
Long-term borrowed funds, weighted average rate for the year	4.17%	3.88%
Total, weighted average interest rate	3.56%	4.46%
Federal Home Loan Bank Advances [Member] | FHLB of Pittsburgh Advances - Overnight [Member]
Short-term borrowed funds, ending balance	$ 14,100	$ 6,600
Short-term borrowed funds, average balance	14,971	45,066
Short-term borrowed funds, maximum month-end balance	$ 59,825	$ 103,250
Short-term borrowed funds, weighted average rate for the year	2.58%	2.05%
Short-term borrowed funds, weighted average rate at year end	1.80%	2.65%
Federal Home Loan Bank Advances [Member] | FHLB of Pittsburgh Advances - Term [Member]
Short-term borrowed funds, ending balance	$ 32,809	$ 12,330
Short-term borrowed funds, average balance	37,831	59,197
Short-term borrowed funds, maximum month-end balance	$ 65,171	$ 101,661
Short-term borrowed funds, weighted average rate for the year	2.26%	1.86%
Short-term borrowed funds, weighted average rate at year end	1.86%	1.77%
Federal Funds Purchased [Member]
Short-term borrowed funds, ending balance
Short-term borrowed funds, average balance	8
Short-term borrowed funds, maximum month-end balance
Short-term borrowed funds, weighted average rate for the year
Short-term borrowed funds, weighted average rate at year end
Federal Reserve Bank Advances [Member]
Short-term borrowed funds, ending balance
Short-term borrowed funds, average balance
Short-term borrowed funds, maximum month-end balance
Short-term borrowed funds, weighted average rate for the year
Short-term borrowed funds, weighted average rate at year end

Note 8 - Borrowed Funds - Borro

Note 8 - Borrowed Funds - Borrowed Funds by Maturity Date (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Total borrowed funds	$ 57,219	$ 34,240
Borrowed Funds [Member]
2020, amount	$ 21,387
2020, weighted average interest rate	1.73%
2021, amount	$ 25,522
2021, weighted average interest rate	1.93%
2022, amount
2022, weighted average interest rate
2023, amount
2023, weighted average interest rate
2024, amount
2024, weighted average interest rate
2025 and thereafter, amount	$ 10,310
2025 and thereafter, weighted average interest rate	3.56%
Total borrowed funds	$ 57,219
Total, weighted average interest rate	2.15%

Note 9 - Benefit Plans (Details

Note 9 - Benefit Plans (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Deferred Compensation Liability, Current and Noncurrent, Total	$ 2,000	$ 3,200
Profit Sharing Plan [Member]
Defined Contribution Plan, Employer Discretionary Contribution Amount	0	0
Pension Plan [Member]
Defined Contribution Plan, Employer Discretionary Contribution Amount	305	298
Supplemental Executive Retirement Plan [Member]
Retirement Plan, Annual, Accrued Unfunded Contributions	173	108
Liability, Other Retirement Benefits	$ 657	$ 557

Note 10 - Income Taxes (Details

Note 10 - Income Taxes (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	21.00%
Operating Loss Carryforwards, Total	$ 20,700
Deferred Tax Assets, Operating Loss Carryforwards, Total	$ 4,348	$ 6,291

Note 10 - Income Taxes - Compon

Note 10 - Income Taxes - Components of Income Tax (Benefit) Expense (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Current										$ (2,764)
Deferred									2,326	5,835
Income tax expense	$ 744	$ 513	$ 514	$ 555	$ 1,749	$ 388	$ 508	$ 426	$ 2,326	$ 3,071

Note 10 - Income Taxes - Effect

Note 10 - Income Taxes - Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Provision at statutory tax rates									$ 2,814	$ 3,448
Tax effects of non-taxable income									(344)	(378)
Non-deductible interest expense									19	15
Bank-owned life insurance									(109)	(117)
Other items, net									(54)	103
Income tax expense	$ 744	$ 513	$ 514	$ 555	$ 1,749	$ 388	$ 508	$ 426	$ 2,326	$ 3,071

Note 10 - Income Taxes - Net De

Note 10 - Income Taxes - Net Deferred Tax Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Allowance for loan and lease losses	$ 2,027	$ 2,052
Deferred compensation	592	817
Unrealized holding losses on securities available-for-sale		1,207
Lease liability	729
Other real estate owned valuation	33	125
Deferred intangible assets	166	300
Employee benefits	192	102
Accrued rent expense		72
Accrued vacation	42	36
Deferred income		51
Depreciation	10	51
Net operating loss carryover	4,348	6,291
Gross deferred tax assets	8,139	11,104
Deferred loan origination costs	(143)	(192)
Unrealized holding gains on securities available-for-sale	(812)
Right of use asset	(660)
Deferred income	(22)
Accrued interest	(224)	(219)
Gross deferred tax liabilities	(1,861)	(411)
Net deferred tax assets	$ 6,278	$ 10,693

Note 11 - Related Party Trans_3

Note 11 - Related Party Transactions (Details Textual) - USD ($) $ in Thousands	Feb. 08, 2019	Dec. 31, 2019	Dec. 31, 2018
Related Party Transactions Interest Accrued and Unpaid			$ 12
Directors, Executive Officers and Their Related Parties [Member]
Related Party Deposit Liabilities		$ 84,100	115,500
Related Party Transactions, Interest Paid on Deposits		484	348
Related Party Transaction, Expenses from Transactions with Related Party		2,400	2,500
Related Party Transaction, Subordinated Debt, Accelerated Partial Principal Repayment	$ 5,000
Related Party Transaction, Interest Paid	$ 3,100
Due to Related Parties, Total		0
Related Party Transactions, Subordinated Debt			3,100
Interest Expense, Related Party		24	$ 141
Directors, Executive Officers and Their Related Parties [Member] | Nonperforming Financial Instruments [Member]
Due from Related Parties, Total		$ 0

Note 11 - Related Party Trans_4

Note 11 - Related Party Transactions - Related Party Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Balance	$ 64,634	$ 55,576
Additions, new loans and advances	93,871	87,015
Repayments	(80,609)	(77,957)
Balance	$ 77,896	$ 64,634

Note 12 - Commitments, Contin_3

Note 12 - Commitments, Contingencies and Concentrations (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Operating Leases, Rent Expense, Net, Total	$ 418	$ 492
Reserves for Unfunded Commitments	703	255
Payments Serviced for Federal Home Loan Bank	21,500
Maximum Obligation for Guarantees to Federal Home Loan Bank if Aggregate Foreclosure Losses on Pool of Loans Exceeds Specified Amount	902
Maximum Amount of Aggregate Foreclosure Losses on Entire Pool of Loans	64
Cash and Due from Banks, Total	22,861	26,673
Loans and Leases Receivable, Gross, Total	826,356	835,207
Commercial Real Estate, Construction Land Acquisition, and Development Loans Portfolio [Member] | Financing Receivable [Member] | Credit Concentration Risk [Member]
Loans and Leases Receivable, Gross, Total	$ 325,600
Loans and Leases Receivable as Percentage of Aggregate Gross Loans and Leases Receivable	39.40%
Commercial Real Estate, Construction Land Acquisition, and Development Loans Portfolio [Member] | Financing Receivable [Member] | Geographic Concentration Risk [Member]
Loans and Leases Receivable, Gross, Total	$ 24,300
Loans and Leases Receivable as Percentage of Aggregate Gross Loans and Leases Receivable	2.90%
Compass Bank [Member]
Cash and Due from Banks, Total	$ 1,100	$ 2,700
Other Assets [Member]
Operating Lease, Right-of-Use Asset	3,100
Other Liabilities [Member]
Operating Lease, Liability, Total	$ 3,471

Note 12 - Commitments, Contin_4

Note 12 - Commitments, Contingencies and Concentrations - Lease Expense and Information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Variable lease cost
Total lease cost	418
Occupancy, Net [Member]
Operating lease cost	343
Short-term lease cost	42
Equipment Expense [Member]
Operating lease cost	31
Short-term lease cost	$ 2

Note 12 - Commitments, Contin_5

Note 12 - Commitments, Contingencies and Concentrations - Maturity of Remaining Operating Lease Liabilities (Details) $ in Thousands	Dec. 31, 2019USD ($)
2020	$ 387
2021	353
2022	331
2023	323
2024	287
2025 and thereafter	2,813
Total lease payments	4,494
Less: imputed interest	1,023
Other Liabilities [Member]
Present value of operating lease liabilities	$ 3,471

Note 12 - Commitments, Contin_6

Note 12 - Commitments, Contingencies and Concentrations - Other Information Related to Operating Leases (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Weighted-average remaining lease term (Year)	14 years 109 days
Weighted-average discount rate	3.45%
Operating cash flows from operating leases	$ 385

Note 12 - Commitments, Contin_7

Note 12 - Commitments, Contingencies and Concentrations - Minimum Future Lease Obligations (Details) $ in Thousands	Dec. 31, 2018USD ($)
2019	$ 398
2021	314
2022	287
2023	265
2024	223
2025 and thereafter	820
Total	2,307
Facilities [Member]
2019	385
2021	313
2022	287
2023	265
2024	223
2025 and thereafter	820
Total	2,293
Equipment [Member]
2019	13
2021	1
2022	0
2023
2024
2025 and thereafter	0
Total	$ 14

Note 12 - Commitments, Contin_8

Note 12 - Commitments, Contingencies and Concentrations - Fair Value of Off-balance Sheet Risks (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Commitments to Extend Credit [Member]
Off-balance sheet risks, fair value	$ 275,891	$ 181,322
Standby Letters of Credit [Member]
Off-balance sheet risks, fair value	$ 15,081	$ 15,121

Note 12 - Commitments, Contin_9

Note 12 - Commitments, Contingencies and Concentrations - Summary of Loan Concentration Risk (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans, gross	$ 826,356	$ 835,207
Credit Concentration Risk [Member] | Retail Space/Shopping Centers [Member]
Loans, gross	$ 43,865	$ 48,021
Loans and Leases receivable, Percentage of Gross Loans	5.31%	5.75%
Credit Concentration Risk [Member] | The 1-4 Family Residential Investment Properties [Member]
Loans, gross	$ 38,122	$ 38,756
Loans and Leases receivable, Percentage of Gross Loans	4.61%	4.64%
Credit Concentration Risk [Member] | Physicians [Member]
Loans, gross	$ 26,739	$ 25,379
Loans and Leases receivable, Percentage of Gross Loans	3.24%	3.04%

Note 13 - Stock Compensation _3

Note 13 - Stock Compensation Plans (Details Textual) - USD ($) $ / shares in Units, $ in Thousands	Jul. 01, 2019	Jan. 05, 2019	Dec. 31, 2019	Dec. 31, 2018	Feb. 08, 2019
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Total		19,200
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value				$ 0
Shares Issued, Price Per Share					$ 7
Long-Term Incentive Compensation Plan [Member]
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount, Total			$ 809	$ 675
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized			1,200,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period			57,684	57,829
Share-based Payment Arrangement, Expense			$ 255	$ 279
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition			3 years 255 days
Directors Fee	$ 150
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			869,726
Long-Term Incentive Compensation Plan [Member] | Ten Directors [Member]
Stock Issued During Period, Shares, Share-based Compensation, Per Recipient	1,956
Shares Issued, Shares, Share-based Payment Arrangement, before Forfeiture	19,560
Shares Issued, Price Per Share	$ 7.67
Share-based Payment Arrangement, Option [Member]
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount, Total				$ 0

Note 13 - Stock Compensation _4

Note 13 - Stock Compensation Plans - Stock Option Plans (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Stock options outstanding, Shares (in shares)	19,200	19,200
Stock options outstanding, Weighted average exercise price (in dollars per share)	$ 10.81	$ 10.81
Granted, Shares (in shares)
Granted, Weighted average exercise price (in dollars per share)
Exercised, Shares (in shares)
Exercised, Weighted average exercise price (in dollars per share)
Forfeited, Shares (in shares)	(19,200)
Forfeited, Weighted average exercise price (in dollars per share)	$ 10.81
Stock options outstanding, Shares (in shares)		19,200
Stock options outstanding, Weighted average exercise price (in dollars per share)		$ 10.81
Options exercisable at year end, Shares (in shares)		19,200
Options exercisable at year end, Weighted average exercise price (in dollars per share)		$ 10.81

Note 13 - Stock Compensation _5

Note 13 - Stock Compensation Plans - Stock Compensation Plans (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Unvested restricted stock awards at January 1, (in shares)	114,702
Unvested restricted stock awards at January 1, Weighted average grant date fair value (in dollars per share)	$ 7.50
Unvested restricted stock awards at December 31, (in shares)	128,150	114,702
Unvested restricted stock awards at December 31, Weighted average grant date fair value (in dollars per share)	$ 7.76	$ 7.50
Restricted Stock [Member]
Unvested restricted stock awards at January 1, (in shares)	114,702	106,129
Unvested restricted stock awards at January 1, Weighted average grant date fair value (in dollars per share)	$ 7.50	$ 6.23
Awards granted (in shares)	57,684	57,829
Awards granted, Weighted average grant date fair value (in dollars per share)	$ 7.64	$ 8.54
Forfeitures (in shares)	(6,678)	(2,898)
Forfeitures, Weighted average grant date fair value (in dollars per share)	$ 7.61	$ 7.25
Vestings (in shares)	(37,558)	(46,358)
Vestings, Weighted average grant date fair value (in dollars per share)	$ 6.80	$ 5.93
Unvested restricted stock awards at December 31, (in shares)		114,702
Unvested restricted stock awards at December 31, Weighted average grant date fair value (in dollars per share)		$ 7.50

Note 14 - Regulatory Matters _3

Note 14 - Regulatory Matters & Subsequent Event (Details Textual) - USD ($) $ / shares in Units, $ in Thousands	Jan. 22, 2020	Feb. 08, 2019	Jan. 01, 2015	Mar. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2014
Stock Issued During Period, Shares, New Issues		3,285,550
Shares Issued, Price Per Share		$ 7
Shares Issued, Underwriting Discount Per Share		$ 0.35
Proceeds from Issuance of Common Stock		$ 21,300			$ 21,342	$ 117
Common Stock, Dividends, Per Share, Declared					$ 0.20	$ 0.17
Stock Issued During Period, Shares, Dividend Reinvestment Plan					7,369	17,050
Capital Required for Capital Adequacy to Risk Weighted Assets			8.00%		8.00%	8.00%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets			6.00%		6.00%	6.00%	4.00%
Common Equity Tier One Capital Required for Capital Adequacy to Risk-weighted Assets			4.50%		4.50%	4.50%
Tier One Leverage Capital Required for Capital Adequacy to Average Assets			4.00%		4.00%	4.00%
Capital Conservation Buffer					2.50%	1.875%
Common Equity Tier One Capital Conservation Buffer Implementation of Deductions and Other Adjustments to Common Equity Tier One Capital Phase in Percentage Year			40.00%
Common Equity Tier One Capital Conservation Buffer Implementation of Deductions and Other Adjustments to Common Equity Tier One Capital Phase in Percentage Year 2			60.00%
Common Equity Tier One Capital Conservation Buffer Implementation of Deductions and Other Adjustments to Common Equity Tier One Capital Phase in Percentage After Year Two			20.00%
Capital Required to be Well Capitalized to Risk Weighted Assets			10.00%		10.00%	10.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets			8.00%		8.00%	8.00%	6.00%
Common Equity Tier One Capital Required to Be Well Capitalized to Risk-weighted Assets			6.50%		6.50%	6.50%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets			5.00%		5.00%	5.00%
Subsequent Event [Member]
Common Stock, Dividends, Per Share, Declared	$ 0.055
Dividends Payable, Date to be Paid	Mar. 16, 2020
Dividends Payable, Date of Record	Mar. 2, 2020
FNCB Bank [Member]
Payments for Capital Investment in Wholly Owned Subsidiary				$ 17,800
Over-Allotment Option [Member]
Stock Issued During Period, Shares, New Issues		428,550

Note 14 - Regulatory Matters _4

Note 14 - Regulatory Matters & Subsequent Event - Risk-based Capital and Related Ratios (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Jan. 01, 2015	Dec. 31, 2014
Total capital (to risk-weighted assets), Amount	$ 133,406	$ 112,128
Total capital (to risk-weighted assets), Ratio	14.77%	12.17%
Total capital (to risk-weighted assets), Minimum required for capital adequacy purposes	8.00%	8.00%	8.00%
Total capital (to risk-weighted assets), Minimum required for capital adequacy purposes with conservation buffer	10.50%	9.875%
Total capital (to risk-weighted assets), To be well capitalized under prompt corrective action	10.00%	10.00%	10.00%
Tier I capital (to risk-weighted assets), Amount	$ 123,753	$ 102,354
Tier I capital (to risk-weighted assets), Ratio	13.70%	11.11%
Tier I capital (to risk-weighted assets), Minimum required for capital adequacy purposes	6.00%	6.00%	6.00%	4.00%
Tier I capital (to risk-weighted assets), Minimum required for capital adequacy purposes with conservation buffer	8.50%	7.875%
Tier I capital (to risk-weighted assets), To be well capitalized under prompt corrective action	8.00%	8.00%	8.00%	6.00%
Tier I common equity (to risk-weighted assets), Amount	$ 123,753	$ 102,354
Tier I common equity (to risk-weighted assets), Ratio	13.70%	11.11%
Tier I common equity (to risk-weighted assets), Minimum required for capital adequacy purposes	4.50%	4.50%	4.50%
Tier I common equity (to risk-weighted assets), Minimum required for capital adequacy purposes with conservation buffer	7.00%	6.375%
Tier I common equity (to risk-weighted assets), To be well capitalized under prompt corrective action	6.50%	6.50%	6.50%
Tier I capital (to average assets), Amount	$ 123,753	$ 102,354
Tier I capital (to average assets), Ratio	10.36%	8.27%
Tier I capital (to average assets), Minimum required for capital adequacy purposes	4.00%	4.00%	4.00%
Tier I capital (to average assets), Minimum required for capital adequacy purposes with conservation buffer	4.00%	4.00%
Tier I capital (to average assets), To be well capitalized under prompt corrective action	5.00%	5.00%	5.00%
Total risk-weighted assets, Amount	$ 903,172	$ 921,126
Total average assets, Amount	$ 1,194,789	$ 1,238,347

Note 15 - Fair Value Measurem_3

Note 15 - Fair Value Measurements (Details Textual) $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Debt Securities, Available-for-sale, Amortized Cost, Total	$ 268,971	$ 301,779
Debt Securities, Available-for-sale, Total	272,839	296,032
Corporate Debt Securities [Member]
Debt Securities, Available-for-sale, Amortized Cost, Total	7,000	5,000
Debt Securities, Available-for-sale, Total	$ 7,182	$ 4,936
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Measurement Input, Discount Rate [Member] | Minimum [Member]
Debt Securities, Available-for-sale, Measurement Input	5.13
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Measurement Input, Discount Rate [Member] | Maximum [Member]
Debt Securities, Available-for-sale, Measurement Input	5.63

Note 15 - Fair Value Measurem_4

Note 15 - Fair Value Measurements - Assets Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Available-for-sale debt securities, at fair value	$ 272,839	$ 296,032
Equity securities	920	891
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale debt securities, at fair value	117,763	152,187
Collateralized Mortgage Backed Securities [Member]
Available-for-sale debt securities, at fair value	18,485	23,934
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Available-for-sale debt securities, at fair value	25,075	2,913
Corporate Debt Securities [Member]
Available-for-sale debt securities, at fair value	7,182	4,936
Asset-backed Securities [Member]
Available-for-sale debt securities, at fair value	5,621	1,802
Negotiable Certificates of Deposit [Member]
Available-for-sale debt securities, at fair value	696	2,413
Fair Value, Recurring [Member]
Available-for-sale debt securities, at fair value	272,839	296,032
Equity securities	920	891
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale debt securities, at fair value
Equity securities	920	891
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale debt securities, at fair value	267,689	292,103
Equity securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale debt securities, at fair value	5,150	3,929
Equity securities
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Available-for-sale debt securities, at fair value	117,763	152,187
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale debt securities, at fair value	117,763	152,187
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Residential Mortgage [Member]
Available-for-sale debt securities, at fair value	80,294	34,207
Fair Value, Recurring [Member] | Residential Mortgage [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Residential Mortgage [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale debt securities, at fair value	80,294	34,207
Fair Value, Recurring [Member] | Residential Mortgage [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Commercial Loan [Member]
Available-for-sale debt securities, at fair value	17,723	73,640
Fair Value, Recurring [Member] | Commercial Loan [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Commercial Loan [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale debt securities, at fair value	17,723	73,640
Fair Value, Recurring [Member] | Commercial Loan [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Available-for-sale debt securities, at fair value	18,485	23,934
Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale debt securities, at fair value	18,485	23,934
Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member]
Available-for-sale debt securities, at fair value	25,075	2,913
Fair Value, Recurring [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale debt securities, at fair value	25,075	2,913
Fair Value, Recurring [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Corporate Debt Securities [Member]
Available-for-sale debt securities, at fair value	7,182	4,936
Fair Value, Recurring [Member] | Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale debt securities, at fair value	2,032	1,007
Fair Value, Recurring [Member] | Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale debt securities, at fair value	5,150	3,929
Fair Value, Recurring [Member] | Asset-backed Securities [Member]
Available-for-sale debt securities, at fair value	5,621	1,802
Fair Value, Recurring [Member] | Asset-backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Asset-backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale debt securities, at fair value	5,621	1,802
Fair Value, Recurring [Member] | Asset-backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Negotiable Certificates of Deposit [Member]
Available-for-sale debt securities, at fair value	696	2,413
Fair Value, Recurring [Member] | Negotiable Certificates of Deposit [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale debt securities, at fair value
Fair Value, Recurring [Member] | Negotiable Certificates of Deposit [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale debt securities, at fair value	696	2,413
Fair Value, Recurring [Member] | Negotiable Certificates of Deposit [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale debt securities, at fair value

Note 15 - Fair Value Measurem_5

Note 15 - Fair Value Measurements - Changes in Fair Value Assets (Details) - Corporate Debt Securities [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Balance	$ 3,929	$ 4,058
Additions	1,000
Payments received
Sales
Included in earnings
Included in other comprehensive income	221	(129)
Balance	$ 5,150	$ 3,929

Note 15 - Fair Value Measurem_6

Note 15 - Fair Value Measurements - Assets Measured At Fair Value on a Non-recurring Basis and Quantitative Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Recorded investment	$ 15,786	$ 12,417
Related allowance	473	657
Fair Value, Inputs, Level 3 [Member] | Fair Value, Nonrecurring [Member] | Valuation, Market Approach [Member] | Impaired Loans, Collateral Dependent [Member]
Recorded investment	7,721	8,020
Related allowance	376	606
Fair Value	$ 7,345	$ 7,414
Selling Cost	10.00%	10.00%
Fair Value, Inputs, Level 3 [Member] | Fair Value, Nonrecurring [Member] | Valuation, Market Approach [Member] | Other Real Estate Owned [Member]
Recorded investment	$ 289	$ 919
Related allowance
Fair Value	$ 289	$ 919
Selling Cost	10.00%	10.00%
Fair Value, Inputs, Level 3 [Member] | Fair Value, Nonrecurring [Member] | Valuation, Income Approach [Member] | Impaired Loans, Other [Member]
Recorded investment	$ 8,065	$ 4,397
Related allowance	97	51
Fair Value	$ 7,968	$ 4,346
Fair Value, Inputs, Level 3 [Member] | Fair Value, Nonrecurring [Member] | Valuation, Income Approach [Member] | Impaired Loans, Other [Member] | Minimum [Member]
Selling Cost	3.99%	3.70%
Fair Value, Inputs, Level 3 [Member] | Fair Value, Nonrecurring [Member] | Valuation, Income Approach [Member] | Impaired Loans, Other [Member] | Maximum [Member]
Selling Cost	7.49%	7.50%

Note 15 - Fair Value Measurem_7

Note 15 - Fair Value Measurements - Estimated Fair Values of the Company's Financial Information (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financial assets
Available-for-sale debt securities	$ 272,839	$ 296,032
Equity securities	920	891
Reported Value Measurement [Member]
Financial assets
Available-for-sale debt securities	272,839	296,032
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and short term investments	34,565	36,481
Equity securities	920	891
Reported Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Financial assets
Restricted stock	3,804	3,123
Loans held for sale	1,061	820
Accrued interest receivable	3,234	3,614
Financial liabilities
Deposits	1,001,709	1,095,629
Borrowed funds	57,219	34,240
Accrued interest payable	258	338
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Financial assets
Loans, net	819,529	829,581
Equity securities without readily determinable fair values	1,658	1,658
Servicing rights	356	350
Estimate of Fair Value Measurement [Member]
Financial assets
Available-for-sale debt securities	272,839	296,032
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and short term investments	34,565	36,481
Equity securities	920	891
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Financial assets
Restricted stock	3,804	3,123
Loans held for sale	1,061	820
Accrued interest receivable	3,234	3,614
Financial liabilities
Deposits	1,001,829	1,093,797
Borrowed funds	57,234	34,108
Accrued interest payable	258	338
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Financial assets
Loans, net	810,074	816,234
Equity securities without readily determinable fair values	1,658	1,658
Servicing rights	$ 790	$ 878

Note 16 - Earnings Per Share (D

Note 16 - Earnings Per Share (Details Textual)	12 Months Ended
	Dec. 31, 2018shares
Share-based Payment Arrangement, Option [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	19,200

Note 16 - Earnings Per Share -

Note 16 - Earnings Per Share - Calculation of Basic and Diluted Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Net income									$ 11,075	$ 13,349
Basic (in shares)									19,802,095	16,799,004
Plus: common share equivalents (in shares)									5,497	21,749
Diluted weighted-average number of common stock outstanding (in shares)									19,807,592	16,820,753
Basic (in dollars per share)	$ 0.17	$ 0.12	$ 0.13	$ 0.14	$ 0.42	$ 0.11	$ 0.14	$ 0.12	$ 0.56	$ 0.79
Diluted (in dollars per share)	$ 0.17	$ 0.12	$ 0.13	$ 0.14	$ 0.42	$ 0.11	$ 0.14	$ 0.12	$ 0.56	$ 0.79

Note 17 - Other Comprehensive_3

Note 17 - Other Comprehensive Income (Loss) - Reclassifications Out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Reclassification adjustment for net (gains) losses included in net income									$ (1,227)	$ 4
Income tax expense	$ 744	$ 513	$ 514	$ 555	$ 1,749	$ 388	$ 508	$ 426	2,326	3,071
Net of tax amount									969	(3)
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification adjustment for net (gains) losses included in net income									(1,227)	4
Income tax expense									258	(1)
Net of tax amount									$ (969)	$ 3

Note 17 - Other Comprehensive_4

Note 17 - Other Comprehensive Income (Loss) - Changes in Accumulated Other Comprehensive (Loss) Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Balance	$ 97,219	$ 89,191
Total other comprehensive income (loss)	7,596	(2,860)
Reclassification from Accumulated Other Comprehensive Income to Retained Earnings
Balance	133,607	97,219
AOCI Attributable to Parent [Member]
Balance	(4,540)	(1,745)
Other comprehensive income (loss) before reclassifications	8,565	(2,863)
Amounts reclassified from accumulated other comprehensive income (loss)	(969)	3
Total other comprehensive income (loss)	7,596	(2,860)
Reclassification from Accumulated Other Comprehensive Income to Retained Earnings		65
Balance	$ 3,056	$ (4,540)

Note 18 - Condensed Financial_3

Note 18 - Condensed Financial Information - Parent Company Only - Condensed Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Jun. 30, 2015
Other assets	$ 12,274	$ 10,138
Total assets	1,203,541	1,237,732
Subordinated Debt, Ending Balance		5,000		$ 14,000
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust, Total	10,310	10,310
Accrued interest payable	258	338
Other liabilities	10,748	10,306
Total liabilities	1,069,934	1,140,513
Shareholders’ equity	133,607	97,219	$ 89,191
Total liabilities and shareholders’ equity	1,203,541	1,237,732
Parent Company [Member]
Cash	10,343	5,976
Investment in statutory trust	418	405
Investment in subsidiary (equity method)	131,194	104,134
Other assets	2,019	2,081
Total assets	143,974	112,596
Subordinated Debt, Ending Balance		5,000
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust, Total	10,310	10,310
Accrued interest payable	16	38
Other liabilities	41	29
Total liabilities	10,367	15,377
Shareholders’ equity	133,607	97,219
Total liabilities and shareholders’ equity	$ 143,974	$ 112,596

Note 18 - Condensed Financial_4

Note 18 - Condensed Financial Information - Parent Company Only - Condensed Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Interest on interest-bearing deposits in other banks									$ 188	$ 88
Income from trust									13	12
Subordinated debentures									24	228
Junior subordinated debentures									430	400
Other operating expenses									4,962	4,481
Other losses									156	598
Total expenses	$ 7,806	$ 7,329	$ 7,122	$ 7,425	$ 7,941	$ 7,188	$ 6,966	$ 7,232	29,682	29,327
Income before income taxes	4,232	2,916	3,063	3,190	8,817	2,238	2,920	2,445	13,401	16,420
Income tax expense	744	513	514	555	1,749	388	508	426	2,326	3,071
Income before equity in undistributed net income of subsidiary									11,075	13,349
Net income	$ 3,488	$ 2,403	$ 2,549	$ 2,635	$ 7,068	$ 1,850	$ 2,412	$ 2,019
Parent Company [Member]
Dividends from subsidiaries									10,000	12,180
Interest on interest-bearing deposits in other banks									77	3
Income from trust									13	12
Total income									10,090	12,195
Subordinated debentures									24	228
Junior subordinated debentures									430	400
Other operating expenses									275	353
Other losses										32
Total expenses									729	1,013
Income before income taxes									9,361	11,182
Income tax expense
Income before equity in undistributed net income of subsidiary									9,361	11,182
Equity in undistributed net income of subsidiary									1,714	2,167
Net income									$ 11,075	$ 13,349

Note 18 - Condensed Financial_5

Note 18 - Condensed Financial Information - Parent Company Only - Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	Feb. 08, 2019	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Net income		$ 3,488	$ 2,403	$ 2,549	$ 2,635	$ 7,068	$ 1,850	$ 2,412	$ 2,019
Equity in trust										$ (13)	$ (12)
(Decrease) increase in accrued interest payable										(80)	97
Increase in prepaid expenses and other assets										(2,107)	(2,347)
Decrease in director indemnification liability											(2,553)
Net cash provided by operating activities										14,652	23,150
Net cash provided by (used in) investing activities										37,061	(88,818)
Proceeds from issuance of common shares, net of discount	$ 21,300									21,342	117
Cash dividends paid										(4,030)	(2,857)
Net cash provided by (used in) financing activities										(53,629)	64,403
Net increase in cash										(1,916)	(1,265)
Cash and cash equivalents at beginning of year					36,481				37,746	36,481	37,746
Cash and cash equivalents at end of year		34,565				36,481				34,565	36,481
Parent Company [Member]
Net income										11,075	13,349
Equity in undistributed income of subsidiary										(1,714)	(2,167)
Equity in trust										(13)	(12)
(Decrease) increase in accrued interest payable										(22)	3
Increase in prepaid expenses and other assets										467	65
Decrease in director indemnification liability											(2,553)
Increase (decrease) in other liabilities										12	(30)
Net cash provided by operating activities										9,805	8,655
Investment in Subsidiary										(17,750)
Net cash provided by (used in) investing activities										(17,750)
Principal reduction on subordinated debentures										(5,000)
Proceeds from issuance of common shares, net of discount										21,342	117
Cash dividends paid										(4,030)	(2,857)
Net cash provided by (used in) financing activities										12,312	(2,740)
Net increase in cash										4,367	5,915
Cash and cash equivalents at beginning of year					$ 5,976				$ 61	5,976	61
Cash and cash equivalents at end of year		$ 10,343				$ 5,976				$ 10,343	$ 5,976

Note 19 - Selected Quarterly _3

Note 19 - Selected Quarterly Financial Data (Unaudited) - Quarterly Financial Data (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
Interest income	$ 11,479	$ 11,506	$ 11,462	$ 11,609	$ 11,718	$ 11,693	$ 11,234	$ 10,440	$ 46,056	$ 45,085
Interest expense	2,170	2,455	2,508	2,663	2,581	2,438	1,997	1,562	9,796	8,578
Net interest income	9,309	9,051	8,954	8,946	9,137	9,255	9,237	8,878	36,260	36,507
Provision for loan and lease losses	(33)	637	347	(154)	(199)	1,149	880	720	797	2,550
Net interest income after (credit) provision for loan and lease losses	9,342	8,414	8,607	9,100	9,336	8,106	8,357	8,158	35,463	33,957
Non-interest income	2,696	1,831	1,578	1,515	7,422	1,320	1,529	1,519	7,620	11,790
Non-interest expense	7,806	7,329	7,122	7,425	7,941	7,188	6,966	7,232	29,682	29,327
Income before income taxes	4,232	2,916	3,063	3,190	8,817	2,238	2,920	2,445	13,401	16,420
Income tax expense	744	513	514	555	1,749	388	508	426	$ 2,326	$ 3,071
Net income	$ 3,488	$ 2,403	$ 2,549	$ 2,635	$ 7,068	$ 1,850	$ 2,412	$ 2,019
Basic (in dollars per share)	$ 0.17	$ 0.12	$ 0.13	$ 0.14	$ 0.42	$ 0.11	$ 0.14	$ 0.12	$ 0.56	$ 0.79
Diluted (in dollars per share)	$ 0.17	$ 0.12	$ 0.13	$ 0.14	$ 0.42	$ 0.11	$ 0.14	$ 0.12	$ 0.56	$ 0.79