Macatawa Bank (MCBC) 10-Q 25 Apr 24 2024 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2024	Apr. 25, 2024
Document Information [Line Items]
Entity Central Index Key	0001053584
Entity Registrant Name	MACATAWA BANK CORP
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2024
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
Document Transition Report	false
Entity File Number	000-25927
Entity Incorporation, State or Country Code	MI
Entity Tax Identification Number	38-3391345
Entity Address, Address Line One	10753 Macatawa Drive
Entity Address, City or Town	Holland
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	49424
City Area Code	616
Local Phone Number	820-1444
Title of 12(b) Security	Common stock
Trading Symbol	MCBC
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		34,361,562

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 27,081	$ 32,317
Federal funds sold and other short-term investments	331,400	418,035
Cash and cash equivalents	358,481	450,352
Debt securities available for sale, at fair value	491,214	508,798
Debt securities held to maturity (fair value 2024 - $291,651 and 2023 - $322,098)	300,751	331,523
Federal Home Loan Bank (FHLB) stock	10,211	10,211
Loans held for sale, at fair value	0	0
Total loans	1,342,208	1,338,386
Allowance for credit losses	(17,440)	(17,442)
Net loans	1,324,768	1,320,944
Premises and equipment – net	38,971	38,604
Accrued interest receivable	10,266	8,976
Bank-owned life insurance	54,535	54,249
Deferred tax asset - net	7,385	7,202
Other assets	18,324	17,840
Total assets	2,614,906	2,748,699
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing	614,325	643,035
Interest-bearing	1,670,076	1,772,695
Total deposits	2,284,401	2,415,730
Other borrowed funds	20,000	30,000
Accrued expenses and other liabilities	17,532	15,884
Total liabilities	2,321,933	2,461,614
Commitments and contingent liabilities
Shareholders' equity
Common stock, no par value, 200,000,000 shares authorized; 34,361,562 issued and outstanding, respectively	220,421	220,255
Retained earnings	96,471	89,760
Accumulated other comprehensive loss	(23,919)	(22,930)
Total shareholders' equity	292,973	287,085
Total liabilities and shareholders' equity	$ 2,614,906	$ 2,748,699

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Debt securities, held to maturity, fair value	$ 291,651	$ 322,098
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, authorized (in shares)	200,000,000	200,000,000
Common stock, issued (in shares)	34,361,562	34,361,562
Common stock, outstanding (in shares)	34,361,562	34,361,562

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024		Mar. 31, 2023
Interest income
Loans, including fees	$ 19,171		$ 15,660
Securities
Taxable	4,428		4,481
Tax-exempt	698		698
FHLB Stock	120		65
Federal funds sold and other short-term investments	4,660		6,362
Total interest income	29,077		27,266
Interest expense
Deposits	8,221		4,494
Other borrowings	129		156
Total interest expense	8,350		4,650
Net interest income	20,727		22,616
Provision for credit losses	0	[1]	0
Net interest income after provision (benefit) for credit losses	20,727		22,616
Noninterest income
Net gains on mortgage loans	8		11
BOLI income	274		199
Other	572		629
Total noninterest income	4,660		4,528
Noninterest expense
Salaries and benefits	6,950		6,698
Occupancy of premises	999		1,137
Furniture and equipment	1,062		1,031
Legal and professional	664		348
Marketing and promotion	211		219
Data processing	1,084		955
FDIC assessment	330		330
Interchange and other card expense	406		384
Bond and D&O Insurance	122		122
Other	1,417		941
Total noninterest expenses	13,245		12,165
Income before income tax	12,142		14,979
Income tax expense	2,349		2,975
Net income	$ 9,793		$ 12,004
Basic and diluted earnings per common share (in dollars per share)	$ 0.29		$ 0.35
Cash dividends per common share (in dollars per share)	$ 0.09		$ 0.08
Service [Member]
Noninterest income
Noninterest revenue	$ 1,003		$ 994
Trust Fees [Member]
Noninterest income
Noninterest revenue	1,220		1,033
ATM and Debit Card Fees [Member]
Noninterest income
Noninterest revenue	$ 1,583		$ 1,662
[1]Beginning January 1, 2023, calculation is based on CECL methodology. Prior to January 1, 2023, calculation was based on probable incurred loss methodology.

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Net income	$ 9,793	$ 12,004
Unrealized gains (losses):
Net change in unrealized gains (losses) on debt securities available for sale	(1,246)	6,738
Amortization of net unrealized gains on securities transferred to held-to-maturity	(5)	(5)
Tax effect	262	(1,414)
Net change in unrealized gains (losses) on debt securities available for sale, net of tax	(989)	5,319
Other comprehensive income (loss), net of tax	(989)	5,319
Comprehensive income	$ 8,804	$ 17,323

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance (Accounting Standards Update 2016-13 [Member]) at Dec. 31, 2022	$ 0	$ (1,215)	$ 0	$ (1,215)
Balance at Dec. 31, 2022					$ 219,578	$ 59,036	$ 31,576
Net income					0	12,004	0	12,004
Cash dividends					0	(2,733)	0	(2,733)
Repurchase of shares for taxes withheld on vested restricted stock					(15)	0	0	(15)
Other comprehensive income, net of tax					0	0	5,319	5,319
Stock compensation expense					170		0	170
Balance at Mar. 31, 2023					219,733	67,092	(26,257)	260,568
Balance at Dec. 31, 2023					220,255	89,760	(22,930)	287,085
Net income					0	9,793	0	9,793
Cash dividends					0	(3,082)	0	(3,082)
Repurchase of shares for taxes withheld on vested restricted stock					0	0	0	0
Other comprehensive income, net of tax					0	0	(989)	(989)
Stock compensation expense					166		0	166
Balance at Mar. 31, 2024					$ 220,421	$ 96,471	$ (23,919)	$ 292,973

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals)	3 Months Ended
	Mar. 31, 2023 $ / shares shares
Cash dividends per common share (in dollars per share) | $ / shares	$ 0.08
Shares repurchased (in shares) | shares	1,338

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024		Mar. 31, 2023
Cash flows from operating activities
Net income	$ 9,793		$ 12,004
Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization	477		160
Stock compensation expense	166		170
Provision for credit losses	0	[1]	0
Origination of loans for sale	(402)		(179)
Proceeds from sales of loans originated for sale	410		318
Net gains on mortgage loans	(8)		(11)
Net gain on sales of other real estate	0		(356)
Deferred income tax expense	80		150
Bank-owned life insurance	(274)		(199)
Change in accrued interest receivable and other assets	(1,774)		(217)
Change in accrued expenses and other liabilities	1,648		889
Net cash from operating activities	10,116		12,729
Cash flows from investing activities
Loan originations and payments, net	(3,824)		(43,158)
Purchases of securities available for sale	0		(24,072)
Purchases of securities held to maturity	(2,399)		(3,966)
Maturities and calls of securities available for sale	13,313		1,626
Maturities and calls of securities held to maturity	32,512		1,126
Principal paydowns on securities available for sale	3,413		2,878
Principal paydowns on securities held to maturity	312		3,197
Sales of other real estate	0		2,699
Additions to premises and equipment	(903)		(496)
Net cash from (for) investing activities	42,424		(60,166)
Cash flows from financing activities
Change in deposits	(131,329)		(284,247)
Repayments and maturities of other borrowed funds	(10,000)		0
Repurchase of shares for taxes withheld on vested restricted stock	0		(15)
Cash dividends paid	(3,082)		(2,733)
Net cash for financing activities	(144,411)		(286,995)
Net change in cash and cash equivalents	(91,871)		(334,432)
Cash and cash equivalents at beginning of period	450,352		755,170
Cash and cash equivalents at end of period	358,481		420,738
Supplemental cash flow information
Interest paid	8,334		4,307
Income taxes paid	$ 0		$ 0
[1]Beginning January 1, 2023, calculation is based on CECL methodology. Prior to January 1, 2023, calculation was based on probable incurred loss methodology.

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies [Text Block]	1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation ("FDIC"). The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan. Recent Events: April 15, 2024, The exchange ratio used to determine the number of shares to be issued will be subject to a symmetrical $12.00 collar using a reference price of $101.03 for Wintrust common stock to establish the high and low ends of the collar. The exchange ratio will be variable within the collar, such that if the closing price is within the collar, the aggregate value of the merger consideration will be fixed at approximately $510.3 million; and if the closing price is outside of the collar, the exchange ratio will be a fixed amount both at the high and low ends of the collar, resulting in the aggregate value of the merger consideration being variable outside of the collar. If the closing Price is greater than or equal to $89.03 but less than or equal to $113.03, Macatawa shareholders will be entitled to receive between 0.1314 and 0.1668 shares of Wintrust common stock per share of Macatawa common stock. Macatawa shareholders will be entitled to receive 0.1668 shares of Wintrust common Stock per share of Macatawa common stock if the closing price is below $89.03, and 0.1314 shares of Wintrust common stock per share of Macatawa common stock if the closing price is above $113.03. The “closing price” will be determined using the volume-weighted average price of Wintrust common stock as reported under the heading “Bloomberg VWAP” on the Bloomberg page for Wintrust, for each trading day during the ten second Following the effective time of the merger, the Company's bank subsidiary, Macatawa Bank, will maintain its separate bank charter and will continue to operate under the Macatawa Bank name. Macatawa Bank will maintain a separate, legally constituted board of directors consisting of certain existing directors and new directors generally residing and doing business locally in the West Michigan community. Completion of the merger is subject to shareholder and regulatory approvals and the satisfaction of other customary closing conditions and is expected to occur in the second 2024. Additional information about the merger may 8 April 15, 2024, Basis of Presentation 10 10 X. not Operating results for the three March 31, 2024 not may December 31, 2023. 10 December 31, 2023 Use of Estimates FASB issued ASU No. 2016 13, Financial Instruments Credit Losses (Topic 326 no may 2022 02, Financial Instruments - Credit Losses (Topic 326 The Company adopted these standards as required on January 1, 2023 January 1, 2023 Securities Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level yield method without anticipating prepayments. Gains and losses on sales are based on the amortized cost of the security sold. Accrued interest receivable on securities totaled $4.4 million at March 31, 2024 December 31, 2023 Securities Available for Sale not not 326 30 not March 31, 2024 no Securities Held to Maturity no 1 2 3 4 March 31, 2024 no Allowance for Credit Losses ("ACL") - Loans may The allowance is measured on a collective pool basis when similar risk characteristics exist. Loans with similar risk characteristics are grouped into homogeneous classes, or pools, for allowance calculation. Commercial loans are divided into eight The Company's loan portfolio classes as of March 31, 2024 Commercial Loans: Commercial and Industrial Residential developed Unsecured to residential developers Vacant and unimproved Commercial development Residential improved Commercial improved Manufacturing and industrial Consumer Loans: Residential mortgage Unsecured Home equity Other secured The remaining life methodology is used for all loan pools. This nondiscounted cash flow approach projects an estimated future amortized cost basis based on current loan balance and repayment terms. Given the bank's limited loss history over the past twelve Reasonable and supportable economic forecasts have to be incorporated in determining expected losses. The forecast period represents the time frame from the current period end through the point in time that the Company can reasonably forecast. Ideally, the economic forecast period would cover the contractual terms of all loans; however, the ability to produce a forecast that is both reasonable and supportable becomes more difficult the longer the period is projected. For periods beyond the forecast period, the loss rate reverts back to the baseline lifetime loss. As of March 31, 2024 one two third twenty-five March 31, 2024 A number of qualitative factors are considered including economic forecast uncertainty, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, impact of rising interest rates, external factors and other considerations. During each reporting period, management also considers the need to adjust the baseline lifetime loss rates for factors that may The Company is also required to consider expected credit losses associated with loan commitments over the contractual period in which it is exposed to credit risk on the underlying commitments unless the obligation is unconditionally cancellable by the Company. Any allowance for off-balance sheet credit exposures is reported as an other liability on the Company's Consolidated Balance Sheet and is increased or decreased via a provision for credit losses on the Company's Consolidated Statement of Income. The calculation includes consideration of the likelihood that funding will occur and forecasted credit losses on commitments expected to be funded over their estimated lives. The allowance is calculated using the same methodology, inputs and assumptions as the funded portion of loans at the segment level applied to the amount of commitments expected to be funded. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan using the level-yield method without anticipating prepayments. Accrued interest on loans totaled $4.8 million at March 31, 2024 December 31, 2023 Accrued interest receivable for loans is included as a separate line item on the Company's Consolidated Balance Sheet. The Company elected not Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 no 120 90 All interest accrued but not Income Taxes not" not The Company recognizes a tax position as a benefit only if it is "more likely than not" 50% not not" no Revenue From Contracts With Customers 606, Revenue from Contracts with Customers 606" 606, No The Company's primary sources of revenue are derived from interest and dividends earned on loans, securities and other financial instruments that are not 606. not The Company generally satisfies its performance obligations on contracts with customers as services are rendered, and the transaction prices are typically fixed and charged either on a periodic basis (generally monthly) or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 Interest Income: The Company’s largest source of revenue is interest income which is primarily recognized on an accrual basis based on contractual terms written into loans and investment contracts. Noninterest Revenue: The Company derives the majority of its noninterest revenue from: ( 1 2 3 4 Derivatives two no March 31, 2024 December 31, 2023 Mortgage Banking Derivatives not not Changes in the fair values of these interest rate lock and mortgage backed security and forward commitment derivatives are included in net gains on mortgage loans. The fair value of interest rate lock commitments was $(2,000) at March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 Loans Held for Sale March 31, 2024 December 31, 2023 no Accounting Standards Updates No. 2023 07, egment Reporting (Topic 280 1 2 3 4 one may one 5 6 December 15, 2023, December 15, 2024. one December 31, 2024. not ASU No. 2023 09, Income Taxes (Topic 740 1 2 1 2 5 1 2 December 15, 2024. not

Note 2 - Securities

Note 2 - Securities	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	NOTE 2 SECURITIES The amortized cost and fair value of securities at period-end were as follows (dollars in thousands): Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value March 31, 2024 Available for Sale U.S. Treasury and federal agency securities $ 245,896 $ — $ (10,815 ) $ 235,081 Agency MBS and CMOs 120,328 35 (13,331 ) 107,032 Tax-exempt state and municipal bonds 30,800 — (519 ) 30,281 Taxable state and municipal bonds 112,976 53 (5,528 ) 107,501 Corporate bonds and other debt securities 11,555 — (236 ) 11,319 $ 521,555 $ 88 $ (30,429 ) $ 491,214 Held to Maturity U.S. Treasury $ 221,211 $ — $ (7,945 ) $ 213,266 Tax-exempt state and municipal bonds 79,540 230 (1,385 ) 78,385 $ 300,751 $ 230 $ (9,330 ) $ 291,651 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value December 31, 2023 Available for Sale: U.S. Treasury and federal agency securities $ 256,234 $ 25 $ (10,767 ) $ 245,492 Agency MBS and CMOs 123,767 173 (12,604 ) 111,336 Tax-exempt state and municipal bonds 30,850 31 (284 ) 30,597 Taxable state and municipal bonds 115,516 105 (5,545 ) 110,076 Corporate bonds and other debt securities 11,527 3 (233 ) 11,297 $ 537,894 $ 337 $ (29,433 ) $ 508,798 Held to Maturity U.S. Treasury $ 251,229 $ — $ (8,520 ) $ 242,709 Tax-exempt state and municipal bonds 80,294 284 (1,189 ) 79,389 $ 331,523 $ 284 $ (9,709 ) $ 322,098 There were no sales of securities in the three March 31, 2024 2023 NOTE 2 SECURITIES Contractual maturities of debt securities at March 31, 2024 Held–to-Maturity Securities Available-for-Sale Securities Amortized Fair Amortized Fair Cost Value Cost Value Due in one year or less $ 133,656 $ 132,252 $ 141,534 $ 140,076 Due from one to five years 155,020 147,346 253,495 238,070 Due from five to ten years 12,075 12,053 6,198 6,036 Due after ten years — — — — Agency MBS and CMOs — — 120,328 107,032 $ 300,751 $ 291,651 $ 521,555 $ 491,214 Securities with unrealized losses at March 31, 2024 December 31, 2023 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized March 31, 2024 Value Loss Value Loss Value Loss Available for Sale U.S. Treasury and federal agency securities $ 28,390 $ (53 ) $ 206,691 $ (10,761 ) $ 235,081 $ (10,814 ) Agency MBS and CMOs 15,544 (150 ) 84,892 (13,181 ) 100,436 (13,331 ) Tax-exempt state and municipal bonds 11,316 (98 ) 18,965 (423 ) 30,281 (521 ) Taxable state and municipal bonds 8,442 (29 ) 92,753 (5,499 ) 101,195 (5,528 ) Corporate bonds and other debt securities 471 (3 ) 10,848 (232 ) 11,319 (235 ) $ 64,163 $ (333 ) $ 414,149 $ (30,096 ) $ 478,312 $ (30,429 ) Held to Maturity U.S. Treasury $ — $ — $ 213,266 $ (7,945 ) $ 213,266 $ (7,945 ) Tax-exempt state and municipal bonds 20,118 (53 ) 48,402 (1,332 ) 68,520 (1,385 ) $ 20,118 $ (53 ) $ 261,668 $ (9,277 ) $ 281,786 $ (9,330 ) NOTE 2 SECURITIES Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2023 Value Loss Value Loss Value Loss Available for Sale: U.S. Treasury and federal agency securities $ 15,615 $ (41 ) $ 215,712 $ (10,726 ) $ 231,327 $ (10,767 ) Agency MBS and CMOs 8,574 (52 ) 83,893 (12,552 ) 92,467 (12,604 ) Tax-exempt state and municipal bonds 8,472 (50 ) 13,296 (234 ) 21,768 (284 ) Taxable state and municipal bonds 4,667 (18 ) 93,900 (5,527 ) 98,567 (5,545 ) Corporate bonds and other debt securities — — 10,822 (233 ) 10,822 (233 ) $ 37,328 $ (161 ) $ 417,623 $ (29,272 ) $ 454,951 $ (29,433 ) Held to Maturity: U.S. Treasury $ — $ — $ 242,709 $ (8,520 ) $ 242,709 $ (8,520 ) Tax-exempt state and municipal bonds 673 (2 ) 45,513 (1,187 ) 46,186 (1,189 ) $ 673 $ (2 ) $ 288,222 $ (9,707 ) $ 288,895 $ (9,709 ) Management evaluates securities in an unrealized loss position at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. In analyzing an issuer's financial condition, Management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred and the results of reviews of the issuer's financial condition. At March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 not March 31, 2024 December 31, 2023. no March 31, 2024 December 31, 2023. Securities with a carrying value of approximately $3.7 million were pledged as security for public deposits, letters of credit and for other purposes required or permitted by law at both March 31, 2024 December 31, 2023 The Company also has an investment in a fund that invests in projects qualifying for Community Reinvestment Act credit which is carried at a fair value of $1.3 million and is reported in other assets at March 31, 2024 December 31, 2023,

Note 3 - Loans and Allowance fo

Note 3 - Loans and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES Portfolio loans were as follows (dollars in thousands): March 31, December 31, 2024 2023 Commercial and industrial $ 516,400 $ 506,974 Commercial real estate: Residential developed 4,977 5,809 Unsecured to residential developers — 800 Vacant and unimproved 38,895 39,534 Commercial development 78 84 Residential improved 107,860 123,875 Commercial improved 261,256 260,188 Manufacturing and industrial 159,703 154,809 Total commercial real estate 572,769 585,099 Consumer: Residential mortgage 195,923 189,818 Unsecured 89 129 Home equity 53,751 53,039 Other secured 3,276 3,327 Total consumer 253,039 246,313 Total loans 1,342,208 1,338,386 Allowance for credit losses (17,440 ) (17,442 ) $ 1,324,768 $ 1,320,944 The totals above are shown net of deferred fees and costs. Deferred fees on loans totaled $1.3 million at both March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES Activity in the allowance for credit losses by portfolio segment was as follows (dollars in thousands): Commercial and Commercial Three months ended March 31, 2024 Industrial Real Estate Consumer Unallocated Total Beginning balance $ 6,871 $ 7,164 $ 3,375 $ 32 $ 17,442 Charge-offs — — (32 ) — (32 ) Recoveries 10 1 19 — 30 Provision for credit losses (123 ) (189 ) 224 88 — Ending Balance $ 6,758 $ 6,976 $ 3,586 $ 120 $ 17,440 Commercial and Commercial Three months ended March 31, 2023 Industrial Real Estate Consumer Unallocated Total Beginning balance $ 5,596 $ 7,180 $ 2,458 $ 51 $ 15,285 Impact of adoption of ASU 2016-03 1,299 (212 ) 389 — 1,476 Charge-offs — — (21 ) — (21 ) Recoveries 9 3 42 — 54 Provision for credit losses 220 (201 ) (50 ) 31 — Ending Balance $ 7,124 $ 6,770 $ 2,818 $ 82 $ 16,794 NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES The following table presents gross charge-offs for the three March 31, 2024 Term Loans By Origination Year Revolving March 31, 2024 2024 2023 2022 2021 2020 Prior Loans Total Commercial and industrial $ — $ — $ — $ — $ — $ — $ — $ — Commercial development — — — — — — — — Commercial improved — — — — — — — — Manufacturing and industrial — — — — — — — — Residential development — — — — — — — — Residential improved — — — — — — — — Vacant and unimproved — — — — — — — — Total commercial — — — — — — — — Residential mortgage — — — — — — — — Consumer unsecured — — — — — — — — Home equity — — — — — — — — Other — — — — — — 32 32 Total consumer — — — — — — 32 32 Total loans $ — $ — $ — $ — $ — $ — $ 32 $ 32 The following table presents gross charge-offs for the three March 31, 2023 Term Loans By Origination Year Revolving March 31, 2023 2023 2022 2021 2020 2019 Prior Loans Total Commercial and industrial $ — $ — $ — $ — $ — $ — $ — $ — Commercial development — — — — — — — — Commercial improved — — — — — — — — Manufacturing and industrial — — — — — — — — Residential development — — — — — — — — Residential improved — — — — — — — — Vacant and unimproved — — — — — — — — Total commercial — — — — — — — — Residential mortgage — — — — — — — — Consumer unsecured — — — — — — — — Home equity — — — — — — — — Other — — — — — — 21 21 Total consumer — — — — — — 21 21 Total loans $ — $ — $ — $ — $ — $ — $ 21 $ 21 Collateral dependent loans are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. Under CECL for collateral dependent loans, the Company has adopted the practical expedient to measure the allowance on the fair value of collateral. The allowance is calculated on an individual loan basis based on the shortfall between the fair value of the loan's collateral, which is adjusted for liquidation costs/discounts, and the loan's amortized cost. If the fair value of the collateral exceeds the loan's amortized cost, no NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES There have been no The amortized cost of collateral-dependent loans by class as of March 31, 2024 Collateral Type Allowance March 31, 2024 Real Estate Other Allocated Commercial and industrial $ — $ — $ — Commercial real estate: Residential developed — — — Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved 25 — — Commercial improved 289 — 14 Manufacturing and industrial 1,126 — — 1,440 — 14 Consumer Residential mortgage — — — Unsecured — — — Home equity — — — Other secured — — — Consumer — — — Total $ 1,440 $ — $ 14 The amortized cost of collateral-dependent loans by class as of December 31, 2023 Collateral Type Allowance December 31, 2023 Real Estate Other Allocated Commercial and industrial $ — $ — $ — Commercial real estate: Residential developed — — — Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved 26 — — Commercial improved 292 — 17 Manufacturing and industrial 1,136 — — 1,454 — 17 Consumer Residential mortgage — — — Unsecured — — — Home equity — — — Other secured — — — Consumer — — — Total $ 1,454 $ — $ 17 NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified collateral dependent loans. The following tables present the recorded investment in nonaccrual and loans past due over 90 March 31, 2024 December 31, 2023 Over 90 Total Nonaccrual with Nonaccrual with days Nonperforming March 31, 2024 No Allowance Allowance Total Nonaccrual Accruing Loans Commercial and industrial $ — $ — $ — $ — $ — Commercial real estate: Residential developed — — — — — Unsecured to residential developers — — — — — Vacant and unimproved — — — — — Commercial development — — — — — Residential Improved — — — — — Commercial improved — — — — — Manufacturing and industrial — — — — — — — — — — Consumer: Residential mortgage — 1 1 — 1 Unsecured — — — — — Home equity — — — — — Other secured — — — — — — 1 1 — 1 Total $ — $ 1 $ 1 $ — $ 1 NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES Over 90 Total Nonaccrual with Nonaccrual with days Nonperforming December 31, 2023 No Allowance Allowance Total Nonaccrual Accruing Loans Commercial and industrial $ — $ — $ — $ — $ — Commercial real estate: Residential developed — — — — — Unsecured to residential developers — — — — — Vacant and unimproved — — — — — Commercial development — — — — — Residential improved — — — — — Commercial improved — — — — — Manufacturing and industrial — — — — — — — — — — Consumer: Residential mortgage — 1 1 — 1 Unsecured — — — — — Home equity — — — — — Other secured — — — — — — 1 1 — 1 Total $ — $ 1 $ 1 $ — $ 1 No interest income was recognized on nonaccrual loans during the three March 31, 2024 2023 NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES The following table presents the aging of the recorded investment in past due loans as of March 31, 2024 December 31, 2023 30 90 Greater Than Total March 31, 2024 Days 90 Days Past Due Current Total Commercial and industrial $ — $ — $ — $ 516,400 $ 516,400 Commercial real estate: Residential developed — — — 4,977 4,977 Unsecured to residential developers — — — — — Vacant and unimproved — — — 38,895 38,895 Commercial development — — — 78 78 Residential improved — — — 107,860 107,860 Commercial improved — — — 261,256 261,256 Manufacturing and industrial — — — 159,703 159,703 — — — 572,769 572,769 Consumer: Residential mortgage 310 — 310 195,613 195,923 Unsecured — — — 89 89 Home equity 30 — 30 53,721 53,751 Other secured — — — 3,276 3,276 340 — 340 252,699 253,039 Total $ 340 $ — $ 340 $ 1,341,868 $ 1,342,208 30 90 Greater Than Total December 31, 2023 Days 90 Days Past Due Current Total Commercial and industrial $ — $ — $ — $ 506,974 $ 506,974 Commercial real estate: Residential developed — — — 5,809 5,809 Unsecured to residential developers — — — 800 800 Vacant and unimproved — — — 39,534 39,534 Commercial development — — — 84 84 Residential improved — — — 123,875 123,875 Commercial improved — — — 260,188 260,188 Manufacturing and industrial — — — 154,809 154,809 — — — 585,099 585,099 Consumer: Residential mortgage 44 — 44 189,774 189,818 Unsecured — — — 129 129 Home equity — — — 53,039 53,039 Other secured — — — 3,327 3,327 44 — 44 246,269 246,313 Total $ 44 $ — $ 44 $ 1,338,342 $ 1,338,386 NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES At times, the Company will modify terms of a loan to allow the customer to mitigate the risk of foreclosure by meeting a lower loan payment requirement based upon their current cash flow. These may two first second second first may six As with other individually reviewed loans, an allowance for credit loss is estimated for each such modification made to borrowers experiencing financial difficulty based on the most likely source of repayment for each loan. For commercial real estate loans that are collateral dependent, the allowance is computed based on the fair value of the underlying collateral, less estimated costs to sell. For individually reviewed commercial loans where repayment is expected from cash flows from business operations, the allowance is computed based on a discounted cash flow computation. Certain groups of such loans, such as residential mortgages, have common characteristics and for them the allowance is computed based on a discounted cash flow computation on the change in weighted rate for the pool. The allowance allocations for commercial modifications to borrowers experiencing financial difficulty where we have reduced the contractual interest rate are computed by measuring cash flows using the new payment terms discounted at the original contractual rate. The following table presents information regarding modifications to borrowers experiencing financial difficulty as of March 31, 2024 March 31, 2024 Outstanding Percentage to Number of Recorded Total Loans Balance Loans Commercial and industrial 2 $ 232 0.04 % Commercial real estate 3 478 0.08 % Consumer 31 2,550 1.01 % 36 $ 3,260 0.24 % At March 31, 2024, March 31, 2024, no twelve March 31, 2024. 2015 The following table presents information regarding modifications to borrowers experiencing financial difficulty as of December 31, 2023 December 31, 2023 Outstanding Percentage to Number of Recorded Total Loans Balance Loans Commercial and industrial 2 $ 244 0.05 % Commercial real estate 3 485 0.08 % Consumer 31 2,584 1.05 % 36 $ 3,313 0.25 % At December 31, 2023, December 31, 2023, no twelve December 31, 2023. 2015 NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES The following table presents the amount of accruing modifications that were on nonaccrual status prior to the modification, accruing at the time of modification and those that were upgraded to accruing status after receiving six March 31, December 31, 2024 2023 Accruing - nonaccrual at modification $ — $ — Accruing - accruing at modification 3,260 3,313 Accruing - upgraded to accruing after six consecutive payments — — $ 3,260 $ 3,313 There were no modifications made to borrowers experiencing financial difficulty during the three March 31, 2024 March 31, 2023. There were no defaults on loans with modifications to borrowers experiencing financial difficulty during the three March 31, 2024 90 12 NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES Credit Quality Indicators: eight 5 8 7, first 4 zero 1. 2. 3. 4. may 5. 6. may may not 7. no one may 8. no NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES The following table summarizes loan ratings by grade for commercial loans as of March 31, 2024 Term Loans Amortized Cost Basis By Origination Year and Risk Grades March 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Total Commercial Commercial and industrial Grades 1-3 $ 14,068 $ 38,897 $ 40,494 $ 9,235 $ 5,778 $ 45,398 $ 68,809 $ 222,679 Grade 4 14,526 83,078 46,939 20,807 10,148 47,312 62,804 285,614 Grade 5 — — 1,200 37 253 1,473 5,133 8,096 Grade 6 — — — — — 11 — 11 Grade 7-8 — — — — — — — — $ 28,594 $ 121,975 $ 88,633 $ 30,079 $ 16,179 $ 94,194 $ 136,746 $ 516,400 Residential development Grades 1-3 $ — $ — $ — $ — $ — $ — $ — $ — Grade 4 1,693 2,328 57 — — — 899 4,977 Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 1,693 $ 2,328 $ 57 $ — $ — $ — $ 899 $ 4,977 Unsecured to residential developers Grades 1-3 $ — $ — $ — $ — $ — $ — $ — $ — Grade 4 — — — — — — — — Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ — $ — $ — $ — $ — $ — $ — $ — Vacant and unimproved Grades 1-3 $ — $ 1,111 $ 6,768 $ 9,492 $ 6,531 $ 57 $ 230 $ 24,189 Grade 4 151 4,274 1,309 690 7,636 — 646 14,706 Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 151 $ 5,385 $ 8,077 $ 10,182 $ 14,167 $ 57 $ 876 $ 38,895 Commercial development Grades 1-3 $ — $ — $ 78 $ — $ — $ — $ — $ 78 Grade 4 — — — — — — — — Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ — $ — $ 78 $ — $ — $ — $ — $ 78 Residential improved Grades 1-3 $ 298 $ 6,205 $ 14,809 $ 1,203 $ 8,026 $ 4,133 $ 1,059 $ 35,733 Grade 4 187 2,008 538 35,546 1,148 22,009 10,666 72,102 Grade 5 — — — 25 — — — 25 Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 485 $ 8,213 $ 15,347 $ 36,774 $ 9,174 $ 26,142 $ 11,725 $ 107,860 Commercial improved Grades 1-3 $ 80 $ 14,337 $ 19,595 $ 48,674 $ 17,417 $ 22,746 $ 5,266 $ 128,115 Grade 4 242 16,709 34,150 19,913 30,226 25,580 1,216 128,036 Grade 5 — — 16 — — 4,800 — 4,816 Grade 6 — — — 289 — — — 289 Grade 7-8 — — — — — — — — $ 322 $ 31,046 $ 53,761 $ 68,876 $ 47,643 $ 53,126 $ 6,482 $ 261,256 Manufacturing and industrial Grades 1-3 $ 3,768 $ 7,875 $ 42,733 $ 5,518 $ 6,204 $ 7,878 $ 642 $ 74,618 Grade 4 8,786 18,849 25,603 11,801 7,247 9,292 261 81,839 Grade 5 — — — — — 448 — 448 Grade 6 232 — — — — 2,566 — 2,798 Grade 7-8 — — — — — — — — $ 12,786 $ 26,724 $ 68,336 $ 17,319 $ 13,451 $ 20,184 $ 903 $ 159,703 Total Commercial Grades 1-3 $ 18,214 $ 68,425 $ 124,477 $ 74,122 $ 43,956 $ 80,212 $ 76,006 $ 485,412 Grade 4 25,585 127,246 108,596 88,757 56,405 104,193 76,492 587,274 Grade 5 — — 1,216 62 253 6,721 5,133 13,385 Grade 6 232 — — 289 — 2,577 — 3,098 Grade 7-8 — — — — — — — — $ 44,031 $ 195,671 $ 234,289 $ 163,230 $ 100,614 $ 193,703 $ 157,631 $ 1,089,169 NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES The following table summarizes loan ratings by grade for commercial loans as of December 31, 2023 Term Loans Amortized Cost Basis By Origination Year and Risk Grades December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Commercial Commercial and industrial Grades 1-3 $ 44,605 $ 50,019 $ 14,727 $ 4,795 $ 11,941 $ 33,652 $ 64,840 $ 224,579 Grade 4 83,219 41,778 18,081 12,245 1,954 42,601 70,902 270,780 Grade 5 — 1,254 49 269 2 1,559 8,459 11,592 Grade 6 — — 5 — — 18 — 23 Grade 7-8 — — — — — — — — $ 127,824 $ 93,051 $ 32,862 $ 17,309 $ 13,897 $ 77,830 $ 144,201 $ 506,974 Residential development Grades 1-3 $ — $ — $ — $ — $ — $ — $ — $ — Grade 4 887 102 — — — — 4,820 5,809 Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 887 $ 102 $ — $ — $ — $ — $ 4,820 $ 5,809 Unsecured to residential developers Grades 1-3 $ — $ — $ — $ — $ — $ — $ 800 $ 800 Grade 4 — — — — — — — — Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ — $ — $ — $ — $ — $ — $ 800 $ 800 Vacant and unimproved Grades 1-3 $ 928 $ 7,118 $ 9,694 $ 6,703 $ — $ 70 $ 520 $ 25,033 Grade 4 2,961 1,315 729 7,811 154 — 207 13,177 Grade 5 1,324 — — — — — — 1,324 Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 5,213 $ 8,433 $ 10,423 $ 14,514 $ 154 $ 70 $ 727 $ 39,534 Commercial development Grades 1-3 $ — $ 84 $ — $ — $ — $ — $ — $ 84 Grade 4 — — — — — — — — Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ — $ 84 $ — $ — $ — $ — $ — $ 84 Residential improved Grades 1-3 $ 5,708 $ 13,755 $ 1,235 $ 8,408 $ 248 $ 4,511 $ 719 $ 34,584 Grade 4 2,106 545 34,461 1,173 7,021 15,188 28,771 89,265 Grade 5 — — 26 — — — — 26 Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 7,814 $ 14,300 $ 35,722 $ 9,581 $ 7,269 $ 19,699 $ 29,490 $ 123,875 Commercial improved Grades 1-3 $ 13,475 $ 19,837 $ 49,452 $ 18,894 $ 11,866 $ 11,526 $ 4,851 $ 129,901 Grade 4 11,627 34,347 20,551 30,722 24,118 2,033 1,754 125,152 Grade 5 — 22 — — 1,761 3,060 — 4,843 Grade 6 — — 292 — — — — 292 Grade 7-8 — — — — — — — — $ 25,102 $ 54,206 $ 70,295 $ 49,616 $ 37,745 $ 16,619 $ 6,605 $ 260,188 Manufacturing and industrial Grades 1-3 $ 8,005 $ 41,463 $ 5,742 $ 6,417 $ 4,261 $ 3,756 $ 802 $ 70,446 Grade 4 16,604 26,292 12,028 7,412 5,467 12,924 350 81,077 Grade 5 167 — — — — 295 — 462 Grade 6 232 — — — — 2,592 — 2,824 Grade 7-8 — — — — — — — — $ 25,008 $ 67,755 $ 17,770 $ 13,829 $ 9,728 $ 19,567 $ 1,152 $ 154,809 Total Commercial Grades 1-3 $ 72,721 $ 132,276 $ 80,850 $ 45,217 $ 28,316 $ 53,515 $ 72,532 $ 485,427 Grade 4 117,404 104,379 85,850 59,363 38,714 72,746 106,804 585,260 Grade 5 1,491 1,276 75 269 1,763 4,914 8,459 18,247 Grade 6 232 — 297 — — 2,610 — 3,139 Grade 7-8 — — — — — — — — $ 191,848 $ 237,931 $ 167,072 $ 104,849 $ 68,793 $ 133,785 $ 187,795 $ 1,092,073 NOTE 3 LOANS AND ALLOWANCE FOR CREDIT LOSSES The Company considers the performance of the loan portfolio and its impact on the allowance for credit losses. For consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following tables present the recorded investment in consumer loans by year of origination and based on delinquency status at March 31, 2024 December 31, 2023 Term Loans Amortized Cost Basis By Origination Year March 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Total Retail Residential mortgage Performing $ 9,265 $ 68,930 $ 38,956 $ 24,798 $ 9,293 $ 30,950 $ 13,731 $ 195,923 Nonperforming — — — — — — — — $ 9,265 $ 68,930 $ 38,956 $ 24,798 $ 9,293 $ 30,950 $ 13,731 $ 195,923 Consumer unsecured Performing $ — $ — $ — $ — $ 10 $ 79 $ — $ 89 Nonperforming — — — — — — — — $ — $ — $ — $ — $ 10 $ 79 $ — $ 89 Home equity Performing $ 135 $ 490 $ 626 $ 211 $ 443 $ 1,939 $ 49,907 $ 53,751 Nonperforming — — — — — — — — $ 135 $ 490 $ 626 $ 211 $ 443 $ 1,939 $ 49,907 $ 53,751 Other Performing $ 260 $ 1,638 $ 564 $ 506 $ 185 $ 123 $ — $ 3,276 Nonperforming — — — — — — — — $ 260 $ 1,638 $ 564 $ 506 $ 185 $ 123 $ — $ 3,276 Total Retail $ 9,660 $ 71,058 $ 40,146 $ 25,515 $ 9,931 $ 33,091 $ 63,638 $ 253,039 Term Loans Amortized Cost Basis By Origination Year December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Retail Residential mortgage Performing $ 71,574 $ 39,537 $ 25,400 $ 9,588 $ 4,868 $ 27,510 $ 11,341 $ 189,818 Nonperforming — — — — — — — — $ 71,574 $ 39,537 $ 25,400 $ 9,588 $ 4,868 $ 27,510 $ 11,341 $ 189,818 Consumer unsecured Performing $ — $ — $ — $ 11 $ 13 $ — $ 105 $ 129 Nonperforming — — — — — — — — $ — $ — $ — $ 11 $ 13 $ — $ 105 $ 129 Home equity Performing $ 518 $ 661 $ 217 $ 451 $ 209 $ 1,866 $ 49,117 $ 53,039 Nonperforming — — — — — — — — $ 518 $ 661 $ 217 $ 451 $ 209 $ 1,866 $ 49,117 $ 53,039 Other Performing $ 1,752 $ 658 $ 545 $ 220 $ 32 $ 120 $ — $ 3,327 Nonperforming — — — — — — — — $ 1,752 $ 658 $ 545 $ 220 $ 32 $ 120 $ — $ 3,327 Total Retail $ 73,844 $ 40,856 $ 26,162 $ 10,270 $ 5,122 $ 29,496 $ 60,563 $ 246,313

Note 4 - Fair Value

Note 4 - Fair Value	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Fair Value Disclosures [Text Block]	NOTE 4 FAIR VALUE ASC Topic 820, Fair Value Measurements and Disclosures three may Level 1 Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 Significant other observable inputs other than Level 1 not Level 3 Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability. Investment Securities 2 3 Loans Held for Sale third 2 Collateral Dependent Loans one two no 3. may 3 Interest Rate Swaps third 2. NOTE 4 FAIR VALUE Assets and liabilities measured at fair value on a recurring basis are summarized below (in thousands): Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Fair Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) March 31, 2024 Available for sale securities U.S. Treasury and federal agency securities $ 235,081 $ — $ 235,081 $ — Agency MBS and CMOs 107,032 — 107,032 — Tax-exempt state and municipal bonds 30,281 — 30,281 — Taxable state and municipal bonds 107,501 — 107,501 — Corporate bonds and other debt securities 11,319 — 11,319 — Other equity securities 1,307 — 1,307 — Loans held for sale — — — — Interest rate swaps 5,553 — 5,553 — Total assets measured at fair value on recurring basis $ 498,074 $ — $ 498,074 $ — Interest rate swaps $ (5,553 ) $ — $ (5,553 ) $ — Total liabilities measured at fair value on recurring basis $ (5,553 ) $ — $ (5,553 ) $ — December 31, 2023 Available for sale securities U.S. Treasury and federal agency securities $ 245,492 $ — $ 245,492 $ — Agency MBS and CMOs 111,336 — 111,336 — Tax-exempt state and municipal bonds 30,597 — 30,597 — Taxable state and municipal bonds 110,076 — 110,076 — Corporate bonds and other debt securities 11,297 — 11,297 — Other equity securities 1,318 — 1,318 — Loans held for sale — — — — Interest rate swaps 4,856 — 4,856 — Total assets measured at fair value on recurring basis $ 514,972 $ — $ 514,972 $ — Interest rate swaps $ (4,856 ) $ — $ (4,856 ) $ — Total liabilities measured at fair value on recurring basis $ (4,856 ) $ — $ (4,856 ) $ — NOTE 4 FAIR VALUE Assets measured at fair value on a non-recurring basis are summarized below (in thousands): Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Fair Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) March 31, 2024 Collateral dependent loans $ 300 $ — $ — $ 300 December 31, 2023 Collateral dependent loans $ 303 $ — $ — $ 303 Quantitative information about Level 3 Asset Fair Valuation Unobservable Value Technique Inputs Range % (Weighted Average) March 31, 2024 Collateral dependent loans $ 300 Sales comparison approach Adjustment for differences between comparable sales 2.0 to 41.0 (37.7) Income approach Capitalization rate 7.5 to 8.5 (8.4) Asset Fair Valuation Unobservable Value Technique Inputs Range % (Weighted Average) December 31, 2023 Collateral dependent loans $ 303 Sales comparison approach Adjustment for differences between comparable sales 2.0 to 41.0 (37.5) Income approach Capitalization rate 7.5 to 8.5 (8.4) NOTE 4 FAIR VALUE The carrying amounts and estimated fair values of financial instruments, not March 31, 2024 December 31, 2023 Level in March 31, 2024 December 31, 2023 Fair Value Carrying Fair Carrying Fair Hierarchy Amount Value Amount Value Financial assets Cash and due from banks Level 1 $ 27,081 $ 27,081 $ 32,317 $ 32,317 Federal funds sold and other short-term investments Level 1 331,400 331,400 418,035 418,035 Securities held to maturity - U.S. Treasury Level 2 221,211 213,266 251,229 242,709 Securities held to maturity - tax-exempt and municipal Level 3 79,540 78,385 80,294 79,389 FHLB stock Level 3 10,211 10,211 10,211 10,211 Loans, net Level 2 1,324,768 1,299,904 1,320,641 1,308,900 Bank owned life insurance Level 3 54,535 54,535 54,249 54,249 Accrued interest receivable Level 2 10,266 10,266 8,976 8,976 Financial liabilities Deposits Level 2 (2,284,401 ) (2,286,250 ) (2,415,730 ) (2,417,784 ) Other borrowed funds Level 2 (20,000 ) (19,566 ) (30,000 ) (29,354 ) Accrued interest payable Level 2 (687 ) (687 ) (672 ) (672 ) Off-balance sheet credit-related items Loan commitments — — — — The methods and assumptions used to estimate fair value are described as follows. Carrying amount is the estimated fair value for cash and cash equivalents, bank owned life insurance, accrued interest receivable and payable, demand deposits, short-term borrowings and variable rate loans or deposits that reprice frequently and fully. Security fair values are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities as discussed above. For fixed rate loans, interest-bearing time deposits in other financial institutions, or deposits and for variable rate loans or deposits with infrequent repricing or repricing limits, fair value is based on discounted cash flows using current market rates applied to the estimated life and credit risk (including consideration of widening credit spreads). Fair value of debt is based on current rates for similar financing. It was not not

Note 5 - Derivatives

Note 5 - Derivatives	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Derivative Instruments and Hedging Activities Disclosure [Text Block]	NOTE 5 Derivatives not not not no The notional and fair value of derivative instruments as of March 31, 2024 December 31, 2023 Notional Amount Balance Sheet Location Fair Value March 31, 2024 Derivative assets Interest rate swaps $ 52,832 Other Assets $ 5,553 Derivative liabilities Interest rate swaps 52,832 Other Liabilities 5,553 Notional Amount Balance Sheet Location Fair Value December 31, 2023 Derivative assets Interest rate swaps $ 54,095 Other Assets $ 4,856 Derivative liabilities Interest rate swaps 54,095 Other Liabilities 4,856 The fair value of interest rate swaps in a net liability position, which includes accrued interest but excludes any adjustment for nonperformance risk related to these agreements, was $5.6 million and $4.9 million as of March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 Interest rate swaps entered into with commercial loan customers had notional amounts aggregating $52.8 million as of March 31, 2024 December 31, 2023

Note 6 - Deposits

Note 6 - Deposits	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	NOTE 6 DEPOSITS Deposits are summarized as follows (dollars in thousands): March 31, December 31, 2024 2023 Noninterest-bearing demand $ 614,325 $ 643,035 Interest bearing demand 561,570 639,689 Savings and money market accounts 799,808 820,530 Certificates of deposit 308,698 312,476 $ 2,284,401 $ 2,415,730 Time deposits that exceeded the FDIC insurance limit of $250,000 March 31, 2024 December 31, 2023

Note 7 - Other Borrowed Funds

Note 7 - Other Borrowed Funds	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Debt Disclosure [Text Block]	NOTE 7 Other borrowed funds include advances from the Federal Home Loan Bank and borrowings from the Federal Reserve Bank. Federal Home Loan Bank Advances At period-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands): Weighted Advance Average Principal Terms Amount Range of Maturities Interest Rate March 31, 2024 Putable advance 20,000 November 13, 2024 1.81 % $ 20,000 Weighted Advance Average Principal Terms Amount Range of Maturities Interest Rate December 31, 2023 Single maturity fixed rate advance $ 10,000 February 21, 2024 2.63 % Putable advance 20,000 November 13, 2024 1.81 % $ 30,000 Each advance is subject to a prepayment fee if paid prior to its maturity date. Fixed rate advances are payable at maturity. Amortizable mortgage advances are fixed rate advances with scheduled repayments based upon amortization to maturity. These advances were collateralized by residential and commercial real estate loans totaling $480.6 million and $473.1 million under a blanket lien arrangement at March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 one November 13, 2020. not February 21, 2024. NOTE 7 Scheduled repayments of FHLB advances as of March 31, 2024 2024 $ 20,000 2025 — 2026 — 2027 — 2028 — Thereafter — $ 20,000 Federal Reserve Bank Borrowings The Company has a financing arrangement with the Federal Reserve Bank. There were no borrowings outstanding at March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 In March 2023, no March 11, 2024 not

Note 8 - Earnings Per Common Sh

Note 8 - Earnings Per Common Share	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Earnings Per Share [Text Block]	NOTE 8 A reconciliation of the numerators and denominators of basic and diluted earnings per common share for the three March 31, 2024 2023 Three Months Three Months Ended Ended March 31, March 31, 2024 2023 Net income $ 9,793 $ 12,004 Weighted average shares outstanding, including participating stock awards - Basic $ 34,361,562 $ 34,297,221 Weighted average shares outstanding - Diluted 34,361,562 34,297,221 Basis and diluted earnings per common share $ 0.29 $ 0.35

Note 9 - Federal Income Taxes

Note 9 - Federal Income Taxes	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Income Tax Disclosure [Text Block]	NOTE 9 Income tax expense was as follows (dollars in thousands): Three Months Three Months Ended Ended March 31, March 31, 2024 2023 Current $ 2,269 $ 2,825 Deferred 80 150 $ 2,349 $ 2,975 The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands): Three Months Three Months Ended Ended March 31, March 31, 2024 2023 Statutory rate 21 % 21 % Statutory rate applied to income before taxes $ 2,550 $ 3,146 Deduct Tax-exempt interest income (117 ) (147 ) Bank-owned life insurance (58 ) (42 ) Other, net (26 ) 18 $ 2,349 $ 2,975 The realization of deferred tax assets is largely dependent upon future taxable income, future reversals of existing taxable temporary differences and the ability to carryback losses to available tax years. In assessing the need for a valuation allowance, we consider positive and negative evidence, including taxable income in carry-back years, scheduled reversals of deferred tax liabilities, expected future taxable income and tax planning strategies. Management believes it is more likely than not March 31, 2024 NOTE 9 The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands): March 31, December 31, 2024 2023 Deferred tax assets Allowance for credit losses $ 3,662 $ 3,663 Nonaccrual loan interest 13 13 Unrealized loss on securities available for sale 6,358 6,095 Other 265 262 Gross deferred tax assets 10,298 10,033 Valuation allowance — — Total net deferred tax assets 10,298 10,033 Deferred tax liabilities Depreciation (997 ) (1,003 ) Prepaid expenses (303 ) (303 ) Net deferred loan costs (52 ) (35 ) Accretion (1,238 ) (1,139 ) Other (323 ) (351 ) Gross deferred tax liabilities (2,913 ) (2,831 ) Deferred tax asset - net $ 7,385 $ 7,202 There were no unrecognized tax benefits at March 31, 2024 December 31, 2023 not twelve no 2020.

Note 10 - Commitments and Off B

Note 10 - Commitments and Off Balance-sheet Risk	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	NOTE 10 COMMITMENTS AND OFF BALANCE-SHEET RISK Some financial instruments are used to meet customer financing needs and to reduce exposure to interest rate changes. These financial instruments include commitments to extend credit and standby letters of credit. These involve, to varying degrees, credit and interest rate risk in excess of the amount reported in the financial statements. Commitments to extend credit are agreements to lend to a customer as long as there is no not third not March 31, 2024 December 31, 2023 NOTE 10 COMMITMENTS AND OFF BALANCE-SHEET RISK A summary of the contractual amounts of financial instruments with off‑balance‑sheet risk was as follows at period-end (dollars in thousands): March 31, December 31, 2024 2023 Commitments to extend credit $ 106,820 $ 86,209 Letters of credit 7,747 10,384 Unused lines of credit 680,108 693,392 The notional amount of commitments to fund mortgage loans to be sold into the secondary market was approximately $0 at both March 31, 2024 December 31, 2023 The Bank enters into commitments to sell mortgage backed securities, which it later buys back in order to hedge its exposure to interest rate risk in its mortgage pipeline. These commitments were approximately $500,000 at March 31, 2024 December 31, 2023 At March 31, 2024 one 30

Note 11 - Contingencies

Note 11 - Contingencies	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Contingencies Disclosure [Text Block]	NOTE 11 CONTINGENCIES The Company and its subsidiaries periodically become defendants in certain claims and legal actions arising in the ordinary course of business. As of March 31, 2024 no

Note 12 - Shareholders' Equity

Note 12 - Shareholders' Equity	3 Months Ended
	Mar. 31, 2024
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	NOTE 12 SHAREHOLDERS' EQUITY Regulatory Capital The Company and the Bank are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors, and the regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate regulatory action that could have a direct material effect on the financial statements. The prompt corrective action regulations provide five not NOTE 12 SHAREHOLDERS' EQUITY The regulatory capital requirements include a common equity Tier 1 CET1 CET1 1 1 At March 31, 2024 December 31, 2023 To Be Well Minimum Minimum Capital Capitalized Under Capital Adequacy With Prompt Corrective Actual Adequacy Capital Buffer Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio March 31, 2024 CET1 capital (to risk weighted assets) Consolidated $ 316,892 18.2 % $ 78,541 4.5 % $ 122,174 7.0 % N/A N/A Bank 308,429 17.7 78,538 4.5 122,170 7.0 $ 113,443 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 316,892 18.2 104,721 6.0 148,354 8.5 N/A N/A Bank 308,429 17.7 104,717 6.0 148,349 8.5 139,622 8.0 Total capital (to risk weighted assets) Consolidated 334,332 19.2 139,628 8.0 183,261 10.5 N/A N/A Bank 325,869 18.7 139,622 8.0 183,254 10.5 174,528 10.0 Tier 1 capital (to average assets) Consolidated 316,892 11.8 107,121 4.0 N/A N/A N/A N/A Bank 308,429 11.5 107,116 4.0 N/A N/A 133,895 5.0 December 31, 2023 CET1 capital (to risk weighted assets) Consolidated $ 310,015 17.7 % $ 78,836 4.5 % $ 122,634 7.0 % N/A N/A Bank 300,943 17.2 78,825 4.5 122,617 7.0 $ 113,859 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 310,015 17.7 105,115 6.0 148,913 8.5 N/A N/A Bank 300,943 17.2 105,100 6.0 148,892 8.5 140,134 8.0 Total capital (to risk weighted assets) Consolidated 327,457 18.7 140,153 8.0 183,951 10.5 N/A N/A Bank 318,385 18.2 140,134 8.0 183,925 10.5 175,167 10.0 Tier 1 capital (to average assets) Consolidated 310,015 11.4 109,284 4.0 N/A N/A N/A N/A Bank 300,943 11.0 109,283 4.0 N/A N/A 136,604 5.0 The Bank was categorized as "well capitalized" at March 31, 2024 December 31, 2023

Significant Accounting Policies

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2024
Accounting Policies [Abstract]
Consolidation, Policy [Policy Text Block]	Principles of Consolidation Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation ("FDIC"). The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan.
Recent Events [Policy Text Block]	Recent Events: April 15, 2024, The exchange ratio used to determine the number of shares to be issued will be subject to a symmetrical $12.00 collar using a reference price of $101.03 for Wintrust common stock to establish the high and low ends of the collar. The exchange ratio will be variable within the collar, such that if the closing price is within the collar, the aggregate value of the merger consideration will be fixed at approximately $510.3 million; and if the closing price is outside of the collar, the exchange ratio will be a fixed amount both at the high and low ends of the collar, resulting in the aggregate value of the merger consideration being variable outside of the collar. If the closing Price is greater than or equal to $89.03 but less than or equal to $113.03, Macatawa shareholders will be entitled to receive between 0.1314 and 0.1668 shares of Wintrust common stock per share of Macatawa common stock. Macatawa shareholders will be entitled to receive 0.1668 shares of Wintrust common Stock per share of Macatawa common stock if the closing price is below $89.03, and 0.1314 shares of Wintrust common stock per share of Macatawa common stock if the closing price is above $113.03. The “closing price” will be determined using the volume-weighted average price of Wintrust common stock as reported under the heading “Bloomberg VWAP” on the Bloomberg page for Wintrust, for each trading day during the ten second Following the effective time of the merger, the Company's bank subsidiary, Macatawa Bank, will maintain its separate bank charter and will continue to operate under the Macatawa Bank name. Macatawa Bank will maintain a separate, legally constituted board of directors consisting of certain existing directors and new directors generally residing and doing business locally in the West Michigan community. Completion of the merger is subject to shareholder and regulatory approvals and the satisfaction of other customary closing conditions and is expected to occur in the second 2024. Additional information about the merger may 8 April 15, 2024,
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation 10 10 X. not Operating results for the three March 31, 2024 not may December 31, 2023. 10 December 31, 2023
Use of Estimates, Policy [Policy Text Block]	Use of Estimates FASB issued ASU No. 2016 13, Financial Instruments Credit Losses (Topic 326 no may 2022 02, Financial Instruments - Credit Losses (Topic 326 The Company adopted these standards as required on January 1, 2023 January 1, 2023
Marketable Securities, Policy [Policy Text Block]	Securities Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level yield method without anticipating prepayments. Gains and losses on sales are based on the amortized cost of the security sold. Accrued interest receivable on securities totaled $4.4 million at March 31, 2024 December 31, 2023 Securities Available for Sale not not 326 30 not March 31, 2024 no Securities Held to Maturity no 1 2 3 4 March 31, 2024 no
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Credit Losses ("ACL") - Loans may The allowance is measured on a collective pool basis when similar risk characteristics exist. Loans with similar risk characteristics are grouped into homogeneous classes, or pools, for allowance calculation. Commercial loans are divided into eight The Company's loan portfolio classes as of March 31, 2024 Commercial Loans: Commercial and Industrial Residential developed Unsecured to residential developers Vacant and unimproved Commercial development Residential improved Commercial improved Manufacturing and industrial Consumer Loans: Residential mortgage Unsecured Home equity Other secured The remaining life methodology is used for all loan pools. This nondiscounted cash flow approach projects an estimated future amortized cost basis based on current loan balance and repayment terms. Given the bank's limited loss history over the past twelve Reasonable and supportable economic forecasts have to be incorporated in determining expected losses. The forecast period represents the time frame from the current period end through the point in time that the Company can reasonably forecast. Ideally, the economic forecast period would cover the contractual terms of all loans; however, the ability to produce a forecast that is both reasonable and supportable becomes more difficult the longer the period is projected. For periods beyond the forecast period, the loss rate reverts back to the baseline lifetime loss. As of March 31, 2024 one two third twenty-five March 31, 2024 A number of qualitative factors are considered including economic forecast uncertainty, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, impact of rising interest rates, external factors and other considerations. During each reporting period, management also considers the need to adjust the baseline lifetime loss rates for factors that may The Company is also required to consider expected credit losses associated with loan commitments over the contractual period in which it is exposed to credit risk on the underlying commitments unless the obligation is unconditionally cancellable by the Company. Any allowance for off-balance sheet credit exposures is reported as an other liability on the Company's Consolidated Balance Sheet and is increased or decreased via a provision for credit losses on the Company's Consolidated Statement of Income. The calculation includes consideration of the likelihood that funding will occur and forecasted credit losses on commitments expected to be funded over their estimated lives. The allowance is calculated using the same methodology, inputs and assumptions as the funded portion of loans at the segment level applied to the amount of commitments expected to be funded. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan using the level-yield method without anticipating prepayments. Accrued interest on loans totaled $4.8 million at March 31, 2024 December 31, 2023 Accrued interest receivable for loans is included as a separate line item on the Company's Consolidated Balance Sheet. The Company elected not Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 no 120 90 All interest accrued but not
Income Tax, Policy [Policy Text Block]	Income Taxes not" not The Company recognizes a tax position as a benefit only if it is "more likely than not" 50% not not" no
Revenue [Policy Text Block]	Revenue From Contracts With Customers 606, Revenue from Contracts with Customers 606" 606, No The Company's primary sources of revenue are derived from interest and dividends earned on loans, securities and other financial instruments that are not 606. not The Company generally satisfies its performance obligations on contracts with customers as services are rendered, and the transaction prices are typically fixed and charged either on a periodic basis (generally monthly) or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 Interest Income: The Company’s largest source of revenue is interest income which is primarily recognized on an accrual basis based on contractual terms written into loans and investment contracts. Noninterest Revenue: The Company derives the majority of its noninterest revenue from: ( 1 2 3 4
Derivatives, Reporting of Derivative Activity [Policy Text Block]	Derivatives two no March 31, 2024 December 31, 2023
Loan Commitments, Policy [Policy Text Block]	Mortgage Banking Derivatives not not Changes in the fair values of these interest rate lock and mortgage backed security and forward commitment derivatives are included in net gains on mortgage loans. The fair value of interest rate lock commitments was $(2,000) at March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023
Financing Receivable, Held-for-Sale [Policy Text Block]	Loans Held for Sale March 31, 2024 December 31, 2023 no
New Accounting Pronouncements, Policy [Policy Text Block]	Accounting Standards Updates No. 2023 07, egment Reporting (Topic 280 1 2 3 4 one may one 5 6 December 15, 2023, December 15, 2024. one December 31, 2024. not ASU No. 2023 09, Income Taxes (Topic 740 1 2 1 2 5 1 2 December 15, 2024. not

Note 2 - Securities (Tables)

Note 2 - Securities (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Debt Securities, Trading, and Equity Securities, FV-NI [Table Text Block]	Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value March 31, 2024 Available for Sale U.S. Treasury and federal agency securities $ 245,896 $ — $ (10,815 ) $ 235,081 Agency MBS and CMOs 120,328 35 (13,331 ) 107,032 Tax-exempt state and municipal bonds 30,800 — (519 ) 30,281 Taxable state and municipal bonds 112,976 53 (5,528 ) 107,501 Corporate bonds and other debt securities 11,555 — (236 ) 11,319 $ 521,555 $ 88 $ (30,429 ) $ 491,214 Held to Maturity U.S. Treasury $ 221,211 $ — $ (7,945 ) $ 213,266 Tax-exempt state and municipal bonds 79,540 230 (1,385 ) 78,385 $ 300,751 $ 230 $ (9,330 ) $ 291,651 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value December 31, 2023 Available for Sale: U.S. Treasury and federal agency securities $ 256,234 $ 25 $ (10,767 ) $ 245,492 Agency MBS and CMOs 123,767 173 (12,604 ) 111,336 Tax-exempt state and municipal bonds 30,850 31 (284 ) 30,597 Taxable state and municipal bonds 115,516 105 (5,545 ) 110,076 Corporate bonds and other debt securities 11,527 3 (233 ) 11,297 $ 537,894 $ 337 $ (29,433 ) $ 508,798 Held to Maturity U.S. Treasury $ 251,229 $ — $ (8,520 ) $ 242,709 Tax-exempt state and municipal bonds 80,294 284 (1,189 ) 79,389 $ 331,523 $ 284 $ (9,709 ) $ 322,098 Held–to-Maturity Securities Available-for-Sale Securities Amortized Fair Amortized Fair Cost Value Cost Value Due in one year or less $ 133,656 $ 132,252 $ 141,534 $ 140,076 Due from one to five years 155,020 147,346 253,495 238,070 Due from five to ten years 12,075 12,053 6,198 6,036 Due after ten years — — — — Agency MBS and CMOs — — 120,328 107,032 $ 300,751 $ 291,651 $ 521,555 $ 491,214
Unrealized Gain (Loss) on Investments [Table Text Block]	Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized March 31, 2024 Value Loss Value Loss Value Loss Available for Sale U.S. Treasury and federal agency securities $ 28,390 $ (53 ) $ 206,691 $ (10,761 ) $ 235,081 $ (10,814 ) Agency MBS and CMOs 15,544 (150 ) 84,892 (13,181 ) 100,436 (13,331 ) Tax-exempt state and municipal bonds 11,316 (98 ) 18,965 (423 ) 30,281 (521 ) Taxable state and municipal bonds 8,442 (29 ) 92,753 (5,499 ) 101,195 (5,528 ) Corporate bonds and other debt securities 471 (3 ) 10,848 (232 ) 11,319 (235 ) $ 64,163 $ (333 ) $ 414,149 $ (30,096 ) $ 478,312 $ (30,429 ) Held to Maturity U.S. Treasury $ — $ — $ 213,266 $ (7,945 ) $ 213,266 $ (7,945 ) Tax-exempt state and municipal bonds 20,118 (53 ) 48,402 (1,332 ) 68,520 (1,385 ) $ 20,118 $ (53 ) $ 261,668 $ (9,277 ) $ 281,786 $ (9,330 ) Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2023 Value Loss Value Loss Value Loss Available for Sale: U.S. Treasury and federal agency securities $ 15,615 $ (41 ) $ 215,712 $ (10,726 ) $ 231,327 $ (10,767 ) Agency MBS and CMOs 8,574 (52 ) 83,893 (12,552 ) 92,467 (12,604 ) Tax-exempt state and municipal bonds 8,472 (50 ) 13,296 (234 ) 21,768 (284 ) Taxable state and municipal bonds 4,667 (18 ) 93,900 (5,527 ) 98,567 (5,545 ) Corporate bonds and other debt securities — — 10,822 (233 ) 10,822 (233 ) $ 37,328 $ (161 ) $ 417,623 $ (29,272 ) $ 454,951 $ (29,433 ) Held to Maturity: U.S. Treasury $ — $ — $ 242,709 $ (8,520 ) $ 242,709 $ (8,520 ) Tax-exempt state and municipal bonds 673 (2 ) 45,513 (1,187 ) 46,186 (1,189 ) $ 673 $ (2 ) $ 288,222 $ (9,707 ) $ 288,895 $ (9,709 )

Note 3 - Loans and Allowance _2

Note 3 - Loans and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	March 31, December 31, 2024 2023 Commercial and industrial $ 516,400 $ 506,974 Commercial real estate: Residential developed 4,977 5,809 Unsecured to residential developers — 800 Vacant and unimproved 38,895 39,534 Commercial development 78 84 Residential improved 107,860 123,875 Commercial improved 261,256 260,188 Manufacturing and industrial 159,703 154,809 Total commercial real estate 572,769 585,099 Consumer: Residential mortgage 195,923 189,818 Unsecured 89 129 Home equity 53,751 53,039 Other secured 3,276 3,327 Total consumer 253,039 246,313 Total loans 1,342,208 1,338,386 Allowance for credit losses (17,440 ) (17,442 ) $ 1,324,768 $ 1,320,944
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Commercial and Commercial Three months ended March 31, 2024 Industrial Real Estate Consumer Unallocated Total Beginning balance $ 6,871 $ 7,164 $ 3,375 $ 32 $ 17,442 Charge-offs — — (32 ) — (32 ) Recoveries 10 1 19 — 30 Provision for credit losses (123 ) (189 ) 224 88 — Ending Balance $ 6,758 $ 6,976 $ 3,586 $ 120 $ 17,440 Commercial and Commercial Three months ended March 31, 2023 Industrial Real Estate Consumer Unallocated Total Beginning balance $ 5,596 $ 7,180 $ 2,458 $ 51 $ 15,285 Impact of adoption of ASU 2016-03 1,299 (212 ) 389 — 1,476 Charge-offs — — (21 ) — (21 ) Recoveries 9 3 42 — 54 Provision for credit losses 220 (201 ) (50 ) 31 — Ending Balance $ 7,124 $ 6,770 $ 2,818 $ 82 $ 16,794
Gross Charge-offs by Portfolio Segment and Origination Year [Table Text Block]	Term Loans By Origination Year Revolving March 31, 2024 2024 2023 2022 2021 2020 Prior Loans Total Commercial and industrial $ — $ — $ — $ — $ — $ — $ — $ — Commercial development — — — — — — — — Commercial improved — — — — — — — — Manufacturing and industrial — — — — — — — — Residential development — — — — — — — — Residential improved — — — — — — — — Vacant and unimproved — — — — — — — — Total commercial — — — — — — — — Residential mortgage — — — — — — — — Consumer unsecured — — — — — — — — Home equity — — — — — — — — Other — — — — — — 32 32 Total consumer — — — — — — 32 32 Total loans $ — $ — $ — $ — $ — $ — $ 32 $ 32 Term Loans By Origination Year Revolving March 31, 2023 2023 2022 2021 2020 2019 Prior Loans Total Commercial and industrial $ — $ — $ — $ — $ — $ — $ — $ — Commercial development — — — — — — — — Commercial improved — — — — — — — — Manufacturing and industrial — — — — — — — — Residential development — — — — — — — — Residential improved — — — — — — — — Vacant and unimproved — — — — — — — — Total commercial — — — — — — — — Residential mortgage — — — — — — — — Consumer unsecured — — — — — — — — Home equity — — — — — — — — Other — — — — — — 21 21 Total consumer — — — — — — 21 21 Total loans $ — $ — $ — $ — $ — $ — $ 21 $ 21
Schedule of Collateral Dependent Loans [Table Text Block]	Collateral Type Allowance March 31, 2024 Real Estate Other Allocated Commercial and industrial $ — $ — $ — Commercial real estate: Residential developed — — — Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved 25 — — Commercial improved 289 — 14 Manufacturing and industrial 1,126 — — 1,440 — 14 Consumer Residential mortgage — — — Unsecured — — — Home equity — — — Other secured — — — Consumer — — — Total $ 1,440 $ — $ 14 Collateral Type Allowance December 31, 2023 Real Estate Other Allocated Commercial and industrial $ — $ — $ — Commercial real estate: Residential developed — — — Unsecured to residential developers — — — Vacant and unimproved — — — Commercial development — — — Residential improved 26 — — Commercial improved 292 — 17 Manufacturing and industrial 1,136 — — 1,454 — 17 Consumer Residential mortgage — — — Unsecured — — — Home equity — — — Other secured — — — Consumer — — — Total $ 1,454 $ — $ 17
Financing Receivable, Nonaccrual [Table Text Block]	Over 90 Total Nonaccrual with Nonaccrual with days Nonperforming March 31, 2024 No Allowance Allowance Total Nonaccrual Accruing Loans Commercial and industrial $ — $ — $ — $ — $ — Commercial real estate: Residential developed — — — — — Unsecured to residential developers — — — — — Vacant and unimproved — — — — — Commercial development — — — — — Residential Improved — — — — — Commercial improved — — — — — Manufacturing and industrial — — — — — — — — — — Consumer: Residential mortgage — 1 1 — 1 Unsecured — — — — — Home equity — — — — — Other secured — — — — — — 1 1 — 1 Total $ — $ 1 $ 1 $ — $ 1 Over 90 Total Nonaccrual with Nonaccrual with days Nonperforming December 31, 2023 No Allowance Allowance Total Nonaccrual Accruing Loans Commercial and industrial $ — $ — $ — $ — $ — Commercial real estate: Residential developed — — — — — Unsecured to residential developers — — — — — Vacant and unimproved — — — — — Commercial development — — — — — Residential improved — — — — — Commercial improved — — — — — Manufacturing and industrial — — — — — — — — — — Consumer: Residential mortgage — 1 1 — 1 Unsecured — — — — — Home equity — — — — — Other secured — — — — — — 1 1 — 1 Total $ — $ 1 $ 1 $ — $ 1
Financing Receivable, Past Due [Table Text Block]	30 90 Greater Than Total March 31, 2024 Days 90 Days Past Due Current Total Commercial and industrial $ — $ — $ — $ 516,400 $ 516,400 Commercial real estate: Residential developed — — — 4,977 4,977 Unsecured to residential developers — — — — — Vacant and unimproved — — — 38,895 38,895 Commercial development — — — 78 78 Residential improved — — — 107,860 107,860 Commercial improved — — — 261,256 261,256 Manufacturing and industrial — — — 159,703 159,703 — — — 572,769 572,769 Consumer: Residential mortgage 310 — 310 195,613 195,923 Unsecured — — — 89 89 Home equity 30 — 30 53,721 53,751 Other secured — — — 3,276 3,276 340 — 340 252,699 253,039 Total $ 340 $ — $ 340 $ 1,341,868 $ 1,342,208 30 90 Greater Than Total December 31, 2023 Days 90 Days Past Due Current Total Commercial and industrial $ — $ — $ — $ 506,974 $ 506,974 Commercial real estate: Residential developed — — — 5,809 5,809 Unsecured to residential developers — — — 800 800 Vacant and unimproved — — — 39,534 39,534 Commercial development — — — 84 84 Residential improved — — — 123,875 123,875 Commercial improved — — — 260,188 260,188 Manufacturing and industrial — — — 154,809 154,809 — — — 585,099 585,099 Consumer: Residential mortgage 44 — 44 189,774 189,818 Unsecured — — — 129 129 Home equity — — — 53,039 53,039 Other secured — — — 3,327 3,327 44 — 44 246,269 246,313 Total $ 44 $ — $ 44 $ 1,338,342 $ 1,338,386
Financing Receivable, Modified [Table Text Block]	March 31, 2024 Outstanding Percentage to Number of Recorded Total Loans Balance Loans Commercial and industrial 2 $ 232 0.04 % Commercial real estate 3 478 0.08 % Consumer 31 2,550 1.01 % 36 $ 3,260 0.24 % December 31, 2023 Outstanding Percentage to Number of Recorded Total Loans Balance Loans Commercial and industrial 2 $ 244 0.05 % Commercial real estate 3 485 0.08 % Consumer 31 2,584 1.05 % 36 $ 3,313 0.25 % March 31, December 31, 2024 2023 Accruing - nonaccrual at modification $ — $ — Accruing - accruing at modification 3,260 3,313 Accruing - upgraded to accruing after six consecutive payments — — $ 3,260 $ 3,313
Financing Receivable Credit Quality Indicators [Table Text Block]	Term Loans Amortized Cost Basis By Origination Year and Risk Grades March 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Total Commercial Commercial and industrial Grades 1-3 $ 14,068 $ 38,897 $ 40,494 $ 9,235 $ 5,778 $ 45,398 $ 68,809 $ 222,679 Grade 4 14,526 83,078 46,939 20,807 10,148 47,312 62,804 285,614 Grade 5 — — 1,200 37 253 1,473 5,133 8,096 Grade 6 — — — — — 11 — 11 Grade 7-8 — — — — — — — — $ 28,594 $ 121,975 $ 88,633 $ 30,079 $ 16,179 $ 94,194 $ 136,746 $ 516,400 Residential development Grades 1-3 $ — $ — $ — $ — $ — $ — $ — $ — Grade 4 1,693 2,328 57 — — — 899 4,977 Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 1,693 $ 2,328 $ 57 $ — $ — $ — $ 899 $ 4,977 Unsecured to residential developers Grades 1-3 $ — $ — $ — $ — $ — $ — $ — $ — Grade 4 — — — — — — — — Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ — $ — $ — $ — $ — $ — $ — $ — Vacant and unimproved Grades 1-3 $ — $ 1,111 $ 6,768 $ 9,492 $ 6,531 $ 57 $ 230 $ 24,189 Grade 4 151 4,274 1,309 690 7,636 — 646 14,706 Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 151 $ 5,385 $ 8,077 $ 10,182 $ 14,167 $ 57 $ 876 $ 38,895 Commercial development Grades 1-3 $ — $ — $ 78 $ — $ — $ — $ — $ 78 Grade 4 — — — — — — — — Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ — $ — $ 78 $ — $ — $ — $ — $ 78 Residential improved Grades 1-3 $ 298 $ 6,205 $ 14,809 $ 1,203 $ 8,026 $ 4,133 $ 1,059 $ 35,733 Grade 4 187 2,008 538 35,546 1,148 22,009 10,666 72,102 Grade 5 — — — 25 — — — 25 Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 485 $ 8,213 $ 15,347 $ 36,774 $ 9,174 $ 26,142 $ 11,725 $ 107,860 Commercial improved Grades 1-3 $ 80 $ 14,337 $ 19,595 $ 48,674 $ 17,417 $ 22,746 $ 5,266 $ 128,115 Grade 4 242 16,709 34,150 19,913 30,226 25,580 1,216 128,036 Grade 5 — — 16 — — 4,800 — 4,816 Grade 6 — — — 289 — — — 289 Grade 7-8 — — — — — — — — $ 322 $ 31,046 $ 53,761 $ 68,876 $ 47,643 $ 53,126 $ 6,482 $ 261,256 Manufacturing and industrial Grades 1-3 $ 3,768 $ 7,875 $ 42,733 $ 5,518 $ 6,204 $ 7,878 $ 642 $ 74,618 Grade 4 8,786 18,849 25,603 11,801 7,247 9,292 261 81,839 Grade 5 — — — — — 448 — 448 Grade 6 232 — — — — 2,566 — 2,798 Grade 7-8 — — — — — — — — $ 12,786 $ 26,724 $ 68,336 $ 17,319 $ 13,451 $ 20,184 $ 903 $ 159,703 Total Commercial Grades 1-3 $ 18,214 $ 68,425 $ 124,477 $ 74,122 $ 43,956 $ 80,212 $ 76,006 $ 485,412 Grade 4 25,585 127,246 108,596 88,757 56,405 104,193 76,492 587,274 Grade 5 — — 1,216 62 253 6,721 5,133 13,385 Grade 6 232 — — 289 — 2,577 — 3,098 Grade 7-8 — — — — — — — — $ 44,031 $ 195,671 $ 234,289 $ 163,230 $ 100,614 $ 193,703 $ 157,631 $ 1,089,169 Term Loans Amortized Cost Basis By Origination Year and Risk Grades December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Commercial Commercial and industrial Grades 1-3 $ 44,605 $ 50,019 $ 14,727 $ 4,795 $ 11,941 $ 33,652 $ 64,840 $ 224,579 Grade 4 83,219 41,778 18,081 12,245 1,954 42,601 70,902 270,780 Grade 5 — 1,254 49 269 2 1,559 8,459 11,592 Grade 6 — — 5 — — 18 — 23 Grade 7-8 — — — — — — — — $ 127,824 $ 93,051 $ 32,862 $ 17,309 $ 13,897 $ 77,830 $ 144,201 $ 506,974 Residential development Grades 1-3 $ — $ — $ — $ — $ — $ — $ — $ — Grade 4 887 102 — — — — 4,820 5,809 Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 887 $ 102 $ — $ — $ — $ — $ 4,820 $ 5,809 Unsecured to residential developers Grades 1-3 $ — $ — $ — $ — $ — $ — $ 800 $ 800 Grade 4 — — — — — — — — Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ — $ — $ — $ — $ — $ — $ 800 $ 800 Vacant and unimproved Grades 1-3 $ 928 $ 7,118 $ 9,694 $ 6,703 $ — $ 70 $ 520 $ 25,033 Grade 4 2,961 1,315 729 7,811 154 — 207 13,177 Grade 5 1,324 — — — — — — 1,324 Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 5,213 $ 8,433 $ 10,423 $ 14,514 $ 154 $ 70 $ 727 $ 39,534 Commercial development Grades 1-3 $ — $ 84 $ — $ — $ — $ — $ — $ 84 Grade 4 — — — — — — — — Grade 5 — — — — — — — — Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ — $ 84 $ — $ — $ — $ — $ — $ 84 Residential improved Grades 1-3 $ 5,708 $ 13,755 $ 1,235 $ 8,408 $ 248 $ 4,511 $ 719 $ 34,584 Grade 4 2,106 545 34,461 1,173 7,021 15,188 28,771 89,265 Grade 5 — — 26 — — — — 26 Grade 6 — — — — — — — — Grade 7-8 — — — — — — — — $ 7,814 $ 14,300 $ 35,722 $ 9,581 $ 7,269 $ 19,699 $ 29,490 $ 123,875 Commercial improved Grades 1-3 $ 13,475 $ 19,837 $ 49,452 $ 18,894 $ 11,866 $ 11,526 $ 4,851 $ 129,901 Grade 4 11,627 34,347 20,551 30,722 24,118 2,033 1,754 125,152 Grade 5 — 22 — — 1,761 3,060 — 4,843 Grade 6 — — 292 — — — — 292 Grade 7-8 — — — — — — — — $ 25,102 $ 54,206 $ 70,295 $ 49,616 $ 37,745 $ 16,619 $ 6,605 $ 260,188 Manufacturing and industrial Grades 1-3 $ 8,005 $ 41,463 $ 5,742 $ 6,417 $ 4,261 $ 3,756 $ 802 $ 70,446 Grade 4 16,604 26,292 12,028 7,412 5,467 12,924 350 81,077 Grade 5 167 — — — — 295 — 462 Grade 6 232 — — — — 2,592 — 2,824 Grade 7-8 — — — — — — — — $ 25,008 $ 67,755 $ 17,770 $ 13,829 $ 9,728 $ 19,567 $ 1,152 $ 154,809 Total Commercial Grades 1-3 $ 72,721 $ 132,276 $ 80,850 $ 45,217 $ 28,316 $ 53,515 $ 72,532 $ 485,427 Grade 4 117,404 104,379 85,850 59,363 38,714 72,746 106,804 585,260 Grade 5 1,491 1,276 75 269 1,763 4,914 8,459 18,247 Grade 6 232 — 297 — — 2,610 — 3,139 Grade 7-8 — — — — — — — — $ 191,848 $ 237,931 $ 167,072 $ 104,849 $ 68,793 $ 133,785 $ 187,795 $ 1,092,073 Term Loans Amortized Cost Basis By Origination Year March 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Total Retail Residential mortgage Performing $ 9,265 $ 68,930 $ 38,956 $ 24,798 $ 9,293 $ 30,950 $ 13,731 $ 195,923 Nonperforming — — — — — — — — $ 9,265 $ 68,930 $ 38,956 $ 24,798 $ 9,293 $ 30,950 $ 13,731 $ 195,923 Consumer unsecured Performing $ — $ — $ — $ — $ 10 $ 79 $ — $ 89 Nonperforming — — — — — — — — $ — $ — $ — $ — $ 10 $ 79 $ — $ 89 Home equity Performing $ 135 $ 490 $ 626 $ 211 $ 443 $ 1,939 $ 49,907 $ 53,751 Nonperforming — — — — — — — — $ 135 $ 490 $ 626 $ 211 $ 443 $ 1,939 $ 49,907 $ 53,751 Other Performing $ 260 $ 1,638 $ 564 $ 506 $ 185 $ 123 $ — $ 3,276 Nonperforming — — — — — — — — $ 260 $ 1,638 $ 564 $ 506 $ 185 $ 123 $ — $ 3,276 Total Retail $ 9,660 $ 71,058 $ 40,146 $ 25,515 $ 9,931 $ 33,091 $ 63,638 $ 253,039 Term Loans Amortized Cost Basis By Origination Year December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Total Retail Residential mortgage Performing $ 71,574 $ 39,537 $ 25,400 $ 9,588 $ 4,868 $ 27,510 $ 11,341 $ 189,818 Nonperforming — — — — — — — — $ 71,574 $ 39,537 $ 25,400 $ 9,588 $ 4,868 $ 27,510 $ 11,341 $ 189,818 Consumer unsecured Performing $ — $ — $ — $ 11 $ 13 $ — $ 105 $ 129 Nonperforming — — — — — — — — $ — $ — $ — $ 11 $ 13 $ — $ 105 $ 129 Home equity Performing $ 518 $ 661 $ 217 $ 451 $ 209 $ 1,866 $ 49,117 $ 53,039 Nonperforming — — — — — — — — $ 518 $ 661 $ 217 $ 451 $ 209 $ 1,866 $ 49,117 $ 53,039 Other Performing $ 1,752 $ 658 $ 545 $ 220 $ 32 $ 120 $ — $ 3,327 Nonperforming — — — — — — — — $ 1,752 $ 658 $ 545 $ 220 $ 32 $ 120 $ — $ 3,327 Total Retail $ 73,844 $ 40,856 $ 26,162 $ 10,270 $ 5,122 $ 29,496 $ 60,563 $ 246,313

Note 4 - Fair Value (Tables)

Note 4 - Fair Value (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Fair Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) March 31, 2024 Available for sale securities U.S. Treasury and federal agency securities $ 235,081 $ — $ 235,081 $ — Agency MBS and CMOs 107,032 — 107,032 — Tax-exempt state and municipal bonds 30,281 — 30,281 — Taxable state and municipal bonds 107,501 — 107,501 — Corporate bonds and other debt securities 11,319 — 11,319 — Other equity securities 1,307 — 1,307 — Loans held for sale — — — — Interest rate swaps 5,553 — 5,553 — Total assets measured at fair value on recurring basis $ 498,074 $ — $ 498,074 $ — Interest rate swaps $ (5,553 ) $ — $ (5,553 ) $ — Total liabilities measured at fair value on recurring basis $ (5,553 ) $ — $ (5,553 ) $ — December 31, 2023 Available for sale securities U.S. Treasury and federal agency securities $ 245,492 $ — $ 245,492 $ — Agency MBS and CMOs 111,336 — 111,336 — Tax-exempt state and municipal bonds 30,597 — 30,597 — Taxable state and municipal bonds 110,076 — 110,076 — Corporate bonds and other debt securities 11,297 — 11,297 — Other equity securities 1,318 — 1,318 — Loans held for sale — — — — Interest rate swaps 4,856 — 4,856 — Total assets measured at fair value on recurring basis $ 514,972 $ — $ 514,972 $ — Interest rate swaps $ (4,856 ) $ — $ (4,856 ) $ — Total liabilities measured at fair value on recurring basis $ (4,856 ) $ — $ (4,856 ) $ —
Fair Value Measurements, Nonrecurring [Table Text Block]	Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Fair Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) March 31, 2024 Collateral dependent loans $ 300 $ — $ — $ 300 December 31, 2023 Collateral dependent loans $ 303 $ — $ — $ 303
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Asset Fair Valuation Unobservable Value Technique Inputs Range % (Weighted Average) March 31, 2024 Collateral dependent loans $ 300 Sales comparison approach Adjustment for differences between comparable sales 2.0 to 41.0 (37.7) Income approach Capitalization rate 7.5 to 8.5 (8.4) Asset Fair Valuation Unobservable Value Technique Inputs Range % (Weighted Average) December 31, 2023 Collateral dependent loans $ 303 Sales comparison approach Adjustment for differences between comparable sales 2.0 to 41.0 (37.5) Income approach Capitalization rate 7.5 to 8.5 (8.4)
Fair Value, by Balance Sheet Grouping [Table Text Block]	Level in March 31, 2024 December 31, 2023 Fair Value Carrying Fair Carrying Fair Hierarchy Amount Value Amount Value Financial assets Cash and due from banks Level 1 $ 27,081 $ 27,081 $ 32,317 $ 32,317 Federal funds sold and other short-term investments Level 1 331,400 331,400 418,035 418,035 Securities held to maturity - U.S. Treasury Level 2 221,211 213,266 251,229 242,709 Securities held to maturity - tax-exempt and municipal Level 3 79,540 78,385 80,294 79,389 FHLB stock Level 3 10,211 10,211 10,211 10,211 Loans, net Level 2 1,324,768 1,299,904 1,320,641 1,308,900 Bank owned life insurance Level 3 54,535 54,535 54,249 54,249 Accrued interest receivable Level 2 10,266 10,266 8,976 8,976 Financial liabilities Deposits Level 2 (2,284,401 ) (2,286,250 ) (2,415,730 ) (2,417,784 ) Other borrowed funds Level 2 (20,000 ) (19,566 ) (30,000 ) (29,354 ) Accrued interest payable Level 2 (687 ) (687 ) (672 ) (672 ) Off-balance sheet credit-related items Loan commitments — — — —

Note 5 - Derivatives (Tables)

Note 5 - Derivatives (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]	Notional Amount Balance Sheet Location Fair Value March 31, 2024 Derivative assets Interest rate swaps $ 52,832 Other Assets $ 5,553 Derivative liabilities Interest rate swaps 52,832 Other Liabilities 5,553 Notional Amount Balance Sheet Location Fair Value December 31, 2023 Derivative assets Interest rate swaps $ 54,095 Other Assets $ 4,856 Derivative liabilities Interest rate swaps 54,095 Other Liabilities 4,856

Note 6 - Deposits (Tables)

Note 6 - Deposits (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Deposit Liabilities, Type [Table Text Block]	March 31, December 31, 2024 2023 Noninterest-bearing demand $ 614,325 $ 643,035 Interest bearing demand 561,570 639,689 Savings and money market accounts 799,808 820,530 Certificates of deposit 308,698 312,476 $ 2,284,401 $ 2,415,730

Note 7 - Other Borrowed Funds (

Note 7 - Other Borrowed Funds (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Federal Home Loan Bank, Advance, Branch of FHLBank [Table Text Block]	Weighted Advance Average Principal Terms Amount Range of Maturities Interest Rate March 31, 2024 Putable advance 20,000 November 13, 2024 1.81 % $ 20,000 Weighted Advance Average Principal Terms Amount Range of Maturities Interest Rate December 31, 2023 Single maturity fixed rate advance $ 10,000 February 21, 2024 2.63 % Putable advance 20,000 November 13, 2024 1.81 % $ 30,000
Schedule of Maturities of Long-Term Debt [Table Text Block]	2024 $ 20,000 2025 — 2026 — 2027 — 2028 — Thereafter — $ 20,000

Note 8 - Earnings Per Common _2

Note 8 - Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Three Months Ended Ended March 31, March 31, 2024 2023 Net income $ 9,793 $ 12,004 Weighted average shares outstanding, including participating stock awards - Basic $ 34,361,562 $ 34,297,221 Weighted average shares outstanding - Diluted 34,361,562 34,297,221 Basis and diluted earnings per common share $ 0.29 $ 0.35

Note 9 - Federal Income Taxes (

Note 9 - Federal Income Taxes (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	Three Months Three Months Ended Ended March 31, March 31, 2024 2023 Current $ 2,269 $ 2,825 Deferred 80 150 $ 2,349 $ 2,975
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	Three Months Three Months Ended Ended March 31, March 31, 2024 2023 Statutory rate 21 % 21 % Statutory rate applied to income before taxes $ 2,550 $ 3,146 Deduct Tax-exempt interest income (117 ) (147 ) Bank-owned life insurance (58 ) (42 ) Other, net (26 ) 18 $ 2,349 $ 2,975
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	March 31, December 31, 2024 2023 Deferred tax assets Allowance for credit losses $ 3,662 $ 3,663 Nonaccrual loan interest 13 13 Unrealized loss on securities available for sale 6,358 6,095 Other 265 262 Gross deferred tax assets 10,298 10,033 Valuation allowance — — Total net deferred tax assets 10,298 10,033 Deferred tax liabilities Depreciation (997 ) (1,003 ) Prepaid expenses (303 ) (303 ) Net deferred loan costs (52 ) (35 ) Accretion (1,238 ) (1,139 ) Other (323 ) (351 ) Gross deferred tax liabilities (2,913 ) (2,831 ) Deferred tax asset - net $ 7,385 $ 7,202

Note 10 - Commitments and Off_2

Note 10 - Commitments and Off Balance-sheet Risk (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Fair Value, off-Balance-Sheet Risks [Table Text Block]	March 31, December 31, 2024 2023 Commitments to extend credit $ 106,820 $ 86,209 Letters of credit 7,747 10,384 Unused lines of credit 680,108 693,392

Note 12 - Shareholders' Equity

Note 12 - Shareholders' Equity (Tables)	3 Months Ended
	Mar. 31, 2024
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	To Be Well Minimum Minimum Capital Capitalized Under Capital Adequacy With Prompt Corrective Actual Adequacy Capital Buffer Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio March 31, 2024 CET1 capital (to risk weighted assets) Consolidated $ 316,892 18.2 % $ 78,541 4.5 % $ 122,174 7.0 % N/A N/A Bank 308,429 17.7 78,538 4.5 122,170 7.0 $ 113,443 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 316,892 18.2 104,721 6.0 148,354 8.5 N/A N/A Bank 308,429 17.7 104,717 6.0 148,349 8.5 139,622 8.0 Total capital (to risk weighted assets) Consolidated 334,332 19.2 139,628 8.0 183,261 10.5 N/A N/A Bank 325,869 18.7 139,622 8.0 183,254 10.5 174,528 10.0 Tier 1 capital (to average assets) Consolidated 316,892 11.8 107,121 4.0 N/A N/A N/A N/A Bank 308,429 11.5 107,116 4.0 N/A N/A 133,895 5.0 December 31, 2023 CET1 capital (to risk weighted assets) Consolidated $ 310,015 17.7 % $ 78,836 4.5 % $ 122,634 7.0 % N/A N/A Bank 300,943 17.2 78,825 4.5 122,617 7.0 $ 113,859 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 310,015 17.7 105,115 6.0 148,913 8.5 N/A N/A Bank 300,943 17.2 105,100 6.0 148,892 8.5 140,134 8.0 Total capital (to risk weighted assets) Consolidated 327,457 18.7 140,153 8.0 183,951 10.5 N/A N/A Bank 318,385 18.2 140,134 8.0 183,925 10.5 175,167 10.0 Tier 1 capital (to average assets) Consolidated 310,015 11.4 109,284 4.0 N/A N/A N/A N/A Bank 300,943 11.0 109,283 4.0 N/A N/A 136,604 5.0

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Details Textual)		3 Months Ended
	Apr. 15, 2024 USD ($) $ / shares shares	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Mar. 31, 2023 USD ($)	Jan. 01, 2023 USD ($)	Dec. 31, 2022 USD ($)
Number Of Full Service Branch Offices		26
Financing Receivable, Allowance for Credit Loss		$ 17,440,000	$ 17,442,000	$ 16,794,000		$ 15,285,000
Retained Earnings (Accumulated Deficit)		96,471,000	89,760,000
Deferred Income Tax Assets, Net		7,385,000	7,202,000
Interest Receivable		10,266,000	8,976,000
Increase (Decrease) in Loan, Held-for-Sale		0
Collateralized Mortgage-Backed Securities [Member]
Credit Risk Derivatives, at Fair Value, Net		$ 1,000,000	(17,000,000)
Interest Rate Swap [Member]
Derivative, Number of Instruments Held		2
Derivative Asset, Notional Amount		$ 105,700,000	108,200,000
Derivative Asset, Subject to Master Netting Arrangement, before Offset		5,600,000	4,900,000
Derivative Asset, Subject to Master Netting Arrangement, Liability Offset		5,600,000	4,900,000
Loans and Finance Receivables [Member]
Interest Receivable		4,800,000	5,300,000
Debt Securities [Member]
Interest Receivable		4,400,000	3,400,000
Interest Rate Lock Commitments [Member]
Credit Risk Derivatives, at Fair Value, Net		(2,000,000)	$ 1,000,000
Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss						$ 1,476,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss					$ 1,500,000
Off-Balance-Sheet, Credit Loss, Liability					62,000
Retained Earnings (Accumulated Deficit)					1,200,000
Deferred Income Tax Assets, Net					$ 323,000
Minimum [Member]
Peer Group Assets		1,000,000,000
Maximum [Member]
Peer Group Assets		$ 3,000,000,000
Wintrust Financial Corporation [Member] | Subsequent Event [Member]
Business Combination, Consideration Transferred	$ 510,300,000
Business Acquisition, Share Price (in dollars per share) | $ / shares	$ 14.85
Business Acquisition, Exchange Ratio, Collar (in dollars per share) | $ / shares	12
Business Acquisition, Exchange Ratio, Reference Price (in dollars per share) | $ / shares	$ 101.03
Wintrust Financial Corporation [Member] | Subsequent Event [Member] | Exchange Scenario 2 [Member]
Business Acquisition, Exchange Ratio, Shares Received Per Shares Owned (in shares) | shares	0.1668
Wintrust Financial Corporation [Member] | Subsequent Event [Member] | Exchange Scenario 3 [Member]
Business Acquisition, Exchange Ratio, Shares Received Per Shares Owned (in shares) | shares	0.1314
Wintrust Financial Corporation [Member] | Subsequent Event [Member] | Minimum [Member] | Exchange Scenario 1 [Member]
Business Acquisition, Exchange Ratio, Closing Price (in dollars per share) | $ / shares	$ 89.03
Business Acquisition, Exchange Ratio, Shares Received Per Shares Owned (in shares) | shares	0.1314
Wintrust Financial Corporation [Member] | Subsequent Event [Member] | Minimum [Member] | Exchange Scenario 3 [Member]
Business Acquisition, Exchange Ratio, Closing Price (in dollars per share) | $ / shares	$ 113.03
Wintrust Financial Corporation [Member] | Subsequent Event [Member] | Maximum [Member] | Exchange Scenario 1 [Member]
Business Acquisition, Exchange Ratio, Closing Price (in dollars per share) | $ / shares	$ 113.03
Business Acquisition, Exchange Ratio, Shares Received Per Shares Owned (in shares) | shares	0.1668
Wintrust Financial Corporation [Member] | Subsequent Event [Member] | Maximum [Member] | Exchange Scenario 2 [Member]
Business Acquisition, Exchange Ratio, Closing Price (in dollars per share) | $ / shares	$ 89.03

Note 2 - Securities (Details Te

Note 2 - Securities (Details Textual) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2023 USD ($)
Proceeds From Sale Of Securities	$ 0	$ 0
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions	423		402
Debt Securities, Available-for-Sale, Unrealized Loss Position	$ 478,312		$ 454,951
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss	$ 30,429		$ 29,433
Held-to-Maturity, Securities in Unrealized Loss Positions, Number of Positions	75		58
Debt Securities, Held-to-Maturity, Unrealized Loss Positions, Fair Value	$ 281,786		$ 288,895
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Accumulated Losses	9,330		9,709
Equity Method Investments, Fair Value Disclosure	1,300		$ 1,300
Asset Pledged as Collateral [Member] | Public Deposits Letters Of Credit And For Other Purposes [Member]
Debt Securities	$ 3,700

Note 2 - Securities - Amortized

Note 2 - Securities - Amortized Cost and Fair Value of Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized cost	$ 521,555	$ 537,894
Gross unrealized gains	88	337
Gross unrealized losses	(30,429)	(29,433)
Debt securities available for sale, at fair value	491,214	508,798
Amortized cost	300,751	331,523
Gross unrealized gains	230	284
Gross unrealized losses	(9,330)	(9,709)
Fair value	291,651	322,098
Held-to-maturity, amortized cost, due in one year or less	133,656
Held-to-maturity, fair value, due in one year or less	132,252
Available-for-sale, amortized cost, due in one year or less	141,534
Available-for-sale, fair value, due in one year or less	140,076
Held-to-maturity, amortized cost, due from one to five years	155,020
Held-to-maturity, fair value, due from one to five years	147,346
Available-for-sale, amortized cost, due from one to five years	253,495
Available-for-sale, fair value, due from one to five years	238,070
Held-to-maturity, amortized cost, due from five to ten years	12,075
Held-to-maturity, fair value, due from five to ten years	12,053
Available-for-sale, amortized cost, due from five to ten years	6,198
Available-for-sale, fair value, due from five to ten years	6,036
Held-to-maturity, amortized cost, due after ten years	0
Held-to-maturity, fair value, due after ten years	0
Available-for-sale, amortized cost, due after ten years	0
Available-for-sale, fair value, due after ten years	0
Debt securities held to maturity (fair value 2024 - $291,651 and 2023 - $322,098)	300,751	331,523
Debt securities, held to maturity, fair value	291,651	322,098
Held-to-maturity, amortized cost	300,751	331,523
Held-to-maturity, fair value	291,651	322,098
Available-for-sale, amortized cost	521,555	537,894
Available-for-sale, fair value	491,214	508,798
US Treasury and Government [Member]
Amortized cost	245,896	256,234
Gross unrealized gains	0	25
Gross unrealized losses	(10,815)	(10,767)
Debt securities available for sale, at fair value	235,081	245,492
Available-for-sale, amortized cost	245,896	256,234
Available-for-sale, fair value	235,081	245,492
US Government Agencies Debt Securities [Member]
Amortized cost	120,328	123,767
Gross unrealized gains	35	173
Gross unrealized losses	(13,331)	(12,604)
Debt securities available for sale, at fair value	107,032	111,336
Amortized cost	0
Fair value	0
Debt securities held to maturity (fair value 2024 - $291,651 and 2023 - $322,098)	0
Debt securities, held to maturity, fair value	0
Held-to-maturity, amortized cost	0
Held-to-maturity, fair value	0
Available-for-sale, amortized cost	120,328	123,767
Available-for-sale, fair value	107,032	111,336
Nontaxable Municipal Bonds [Member]
Amortized cost	30,800	30,850
Gross unrealized gains	0	31
Gross unrealized losses	(519)	(284)
Debt securities available for sale, at fair value	30,281	30,597
Amortized cost	79,540	80,294
Gross unrealized gains	230	284
Gross unrealized losses	(1,385)	(1,189)
Fair value	78,385	79,389
Debt securities held to maturity (fair value 2024 - $291,651 and 2023 - $322,098)	79,540	80,294
Debt securities, held to maturity, fair value	78,385	79,389
Held-to-maturity, amortized cost	79,540	80,294
Held-to-maturity, fair value	78,385	79,389
Available-for-sale, amortized cost	30,800	30,850
Available-for-sale, fair value	30,281	30,597
Taxable Municipal Bonds [Member]
Amortized cost	112,976	115,516
Gross unrealized gains	53	105
Gross unrealized losses	(5,528)	(5,545)
Debt securities available for sale, at fair value	107,501	110,076
Available-for-sale, amortized cost	112,976	115,516
Available-for-sale, fair value	107,501	110,076
Corporate Bonds And Other Debt Securities [Member]
Amortized cost	11,555	11,527
Gross unrealized gains	0	3
Gross unrealized losses	(236)	(233)
Debt securities available for sale, at fair value	11,319	11,297
Available-for-sale, amortized cost	11,555	11,527
Available-for-sale, fair value	11,319	11,297
US Treasury Securities [Member]
Amortized cost	221,211	251,229
Gross unrealized gains	0	0
Gross unrealized losses	(7,945)	(8,520)
Fair value	213,266	242,709
Debt securities held to maturity (fair value 2024 - $291,651 and 2023 - $322,098)	221,211	251,229
Debt securities, held to maturity, fair value	213,266	242,709
Held-to-maturity, amortized cost	221,211	251,229
Held-to-maturity, fair value	$ 213,266	$ 242,709

Note 2 - Securities - Schedule

Note 2 - Securities - Schedule of Securities with Unrealized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Available-for-sale, fair value, less than 12 months	$ 64,163	$ 37,328
Available-for-sale, accumulated loss, less than 12 months	(333)	(161)
Available-for-sale, fair value, more than 12 months	414,149	417,623
Available-for-sale, accumulated loss, more than 12 months	(30,096)	(29,272)
Available-for-sale, fair value	478,312	454,951
Available-for-sale, accumulated loss	(30,429)	(29,433)
Held-to-maturity, fair value, less than 12 months	20,118	673
Held-to-maturity, accumulated loss, less than 12 months	(53)	(2)
Held-to-maturity, fair value, more than 12 months	261,668	288,222
Held-to-maturity, accumulated loss, more than 12 months	(9,277)	(9,707)
Held-for-maturity, fair value	281,786	288,895
Held-for-sale, accumulated loss	(9,330)	(9,709)
US Treasury and Government [Member]
Available-for-sale, fair value, less than 12 months	28,390	15,615
Available-for-sale, accumulated loss, less than 12 months	(53)	(41)
Available-for-sale, fair value, more than 12 months	206,691	215,712
Available-for-sale, accumulated loss, more than 12 months	(10,761)	(10,726)
Available-for-sale, fair value	235,081	231,327
Available-for-sale, accumulated loss	(10,814)	(10,767)
US Government Agencies Debt Securities [Member]
Available-for-sale, fair value, less than 12 months	15,544	8,574
Available-for-sale, accumulated loss, less than 12 months	(150)	(52)
Available-for-sale, fair value, more than 12 months	84,892	83,893
Available-for-sale, accumulated loss, more than 12 months	(13,181)	(12,552)
Available-for-sale, fair value	100,436	92,467
Available-for-sale, accumulated loss	(13,331)	(12,604)
Nontaxable Municipal Bonds [Member]
Available-for-sale, fair value, less than 12 months	11,316	8,472
Available-for-sale, accumulated loss, less than 12 months	(98)	(50)
Available-for-sale, fair value, more than 12 months	18,965	13,296
Available-for-sale, accumulated loss, more than 12 months	(423)	(234)
Available-for-sale, fair value	30,281	21,768
Available-for-sale, accumulated loss	(521)	(284)
Held-to-maturity, fair value, less than 12 months	20,118	673
Held-to-maturity, accumulated loss, less than 12 months	(53)	(2)
Held-to-maturity, fair value, more than 12 months	48,402	45,513
Held-to-maturity, accumulated loss, more than 12 months	(1,332)	(1,187)
Held-for-maturity, fair value	68,520	46,186
Held-for-sale, accumulated loss	(1,385)	(1,189)
Taxable Municipal Bonds [Member]
Available-for-sale, fair value, less than 12 months	8,442	4,667
Available-for-sale, accumulated loss, less than 12 months	(29)	(18)
Available-for-sale, fair value, more than 12 months	92,753	93,900
Available-for-sale, accumulated loss, more than 12 months	(5,499)	(5,527)
Available-for-sale, fair value	101,195	98,567
Available-for-sale, accumulated loss	(5,528)	(5,545)
Corporate Bonds And Other Debt Securities [Member]
Available-for-sale, fair value, less than 12 months	471	0
Available-for-sale, accumulated loss, less than 12 months	(3)	0
Available-for-sale, fair value, more than 12 months	10,848	10,822
Available-for-sale, accumulated loss, more than 12 months	(232)	(233)
Available-for-sale, fair value	11,319	10,822
Available-for-sale, accumulated loss	(235)	(233)
US Treasury Securities [Member]
Held-to-maturity, fair value, less than 12 months	0	0
Held-to-maturity, accumulated loss, less than 12 months	0	0
Held-to-maturity, fair value, more than 12 months	213,266	242,709
Held-to-maturity, accumulated loss, more than 12 months	(7,945)	(8,520)
Held-for-maturity, fair value	213,266	242,709
Held-for-sale, accumulated loss	$ (7,945)	$ (8,520)

Note 3 - Loans and Allowance _3

Note 3 - Loans and Allowance for Credit Losses (Details Textual) - USD ($)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Financing Receivable, Unamortized Loan Cost (Fee)	$ 1,300,000
Financing Receivable, Deferred Commitment Fee	1,500,000
Financing Receivable, Nonaccrual, Interest Income	0	$ 0
Financing Receivable, Modified, Accumulated	3,260,000		$ 3,313,000
Financing Receivable, Modified, Subsequent Default	0
Consumer Portfolio Segment [Member]
Financing Receivable, Modified, Accumulated	2,550,000		$ 2,584,000
Financing Receivable, Write Down on Financing Receivable	$ 0	$ 0
Contractual Interest Rate Reduction [Member]
Financing Receivable, Modified, Percent of Loans Balance	50%		50%
Financing Receivable, Modified, Accumulated	$ 1,600,000		$ 1,600,000
Extended Maturity [Member]
Financing Receivable, Modified, Percent of Loans Balance	36%		36%
Financing Receivable, Modified, Accumulated	$ 1,200,000		$ 1,200,000
Capitalized Interest, Renewals Below Market Rate, and A-B Note Restructures [Member]
Financing Receivable, Modified, Accumulated	$ 460,000		$ 471,000

Note 3 - Loans and Allowance _4

Note 3 - Loans and Allowance for Credit Losses - Schedule of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Total loans	$ 1,342,208	$ 1,338,386
Allowance for credit losses	(17,440)	(17,442)	$ (16,794)	$ (15,285)
Net loans	1,324,768	1,320,944
Commercial Portfolio Segment [Member]
Total loans	516,400	506,974
Allowance for credit losses	(6,758)	(6,871)	(7,124)	(5,596)
Commercial Real Estate Portfolio Segment [Member]
Total loans	572,769	585,099
Allowance for credit losses	(6,976)	(7,164)	(6,770)	(7,180)
Commercial Real Estate Portfolio Segment [Member] | Residential Developed [Member]
Total loans	4,977	5,809
Commercial Real Estate Portfolio Segment [Member] | Unsecured to Residential Developers [Member]
Total loans	0	800
Commercial Real Estate Portfolio Segment [Member] | Vacant and Unimproved [Member]
Total loans	38,895	39,534
Commercial Real Estate Portfolio Segment [Member] | Commercial Development [Member]
Total loans	78	84
Commercial Real Estate Portfolio Segment [Member] | Residential Improved [Member]
Total loans	107,860	123,875
Commercial Real Estate Portfolio Segment [Member] | Commercial Improved [Member]
Total loans	261,256	260,188
Commercial Real Estate Portfolio Segment [Member] | Manufacturing and Industrial [Member]
Total loans	159,703	154,809
Commercial Real Estate Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Total loans	0	800
Consumer Portfolio Segment [Member]
Total loans	253,039	246,313
Allowance for credit losses	(3,586)	(3,375)	$ (2,818)	$ (2,458)
Consumer Portfolio Segment [Member] | Residential Mortgage [Member]
Total loans	195,923	189,818
Consumer Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Total loans	89	129
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Total loans	53,751	53,039
Consumer Portfolio Segment [Member] | Other Financing Receivables [Member]
Total loans	$ 3,276	$ 3,327

Note 3 - Loans and Allowance _5

Note 3 - Loans and Allowance for Credit Losses - Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024		Mar. 31, 2023
Balance	$ 17,442		$ 15,285
Charge-offs	(32)		(21)
Recoveries	30		54
Provision for credit losses	0	[1]	0
Ending Balance	17,440		16,794
Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			1,476
Commercial Portfolio Segment [Member]
Balance	6,871		5,596
Charge-offs	0		0
Recoveries	10		9
Provision for credit losses	(123)	[1]	220
Ending Balance	6,758		7,124
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			1,299
Commercial Real Estate Portfolio Segment [Member]
Balance	7,164		7,180
Charge-offs	0		0
Recoveries	1		3
Provision for credit losses	(189)	[1]	(201)
Ending Balance	6,976		6,770
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			(212)
Consumer Portfolio Segment [Member]
Balance	3,375		2,458
Charge-offs	(32)		(21)
Recoveries	19		42
Provision for credit losses	224	[1]	(50)
Ending Balance	3,586		2,818
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			389
Unallocated Financing Receivables [Member]
Balance	32		51
Charge-offs	0		0
Recoveries	0		0
Provision for credit losses	88	[1]	31
Ending Balance	$ 120		82
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance			$ 0
[1]Beginning January 1, 2023, calculation is based on CECL methodology. Prior to January 1, 2023, calculation was based on probable incurred loss methodology.

Note 3 - Loans and Allowance _6

Note 3 - Loans and Allowance for Credit Losses - Gross Chargeoffs by Origination Year (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Chargeoffs, originated current year	$ 0	$ 0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	32	21
Charge-offs	32	21
Commercial Real Estate Portfolio Segment [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	0	0
Charge-offs	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Development [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	0	0
Charge-offs	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Improved [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	0	0
Charge-offs	0	0
Commercial Real Estate Portfolio Segment [Member] | Manufacturing and Industrial [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	0	0
Charge-offs	0	0
Commercial Real Estate Portfolio Segment [Member] | Residential Developed [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	0	0
Charge-offs	0	0
Commercial Real Estate Portfolio Segment [Member] | Residential Improved [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	0	0
Charge-offs	0	0
Commercial Real Estate Portfolio Segment [Member] | Vacant and Unimproved [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	0	0
Charge-offs	0	0
Commercial Portfolio Segment [Member]
Chargeoffs, originated current year	0
Chargeoffs, originated prior year	0
Chargeoffs, originated two years prior	0
Chargeoffs, originated three years prior	0
Chargeoffs, originated four years prior	0
Chargeoffs, originated in prior years	0
Chargeoffs, revolving	0
Charge-offs	0	0
Consumer Portfolio Segment [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	32	21
Charge-offs	32	21
Consumer Portfolio Segment [Member] | Residential Mortgage [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	0	0
Charge-offs	0	0
Consumer Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	0	0
Charge-offs	0	0
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	0	0
Charge-offs	0	0
Consumer Portfolio Segment [Member] | Other Financing Receivables [Member]
Chargeoffs, originated current year	0	0
Chargeoffs, originated prior year	0	0
Chargeoffs, originated two years prior	0	0
Chargeoffs, originated three years prior	0	0
Chargeoffs, originated four years prior	0	0
Chargeoffs, originated in prior years	0	0
Chargeoffs, revolving	32	21
Charge-offs	$ 32	$ 21

Note 3 - Loans and Allowance _7

Note 3 - Loans and Allowance for Credit Losses - Schedule of Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Total loans	$ 1,342,208	$ 1,338,386
Allowance for credit loss	17,440	17,442	$ 16,794	$ 15,285
Real Estate [Member]
Total loans	1,440	1,454
Other Collateral Loan [Member]
Total loans	0	0
Collateral Pledged [Member]
Allowance for credit loss	14	17
Commercial Portfolio Segment [Member]
Total loans	516,400	506,974
Allowance for credit loss	6,758	6,871	7,124	5,596
Commercial Portfolio Segment [Member] | Real Estate [Member]
Total loans	0	0
Commercial Portfolio Segment [Member] | Other Collateral Loan [Member]
Total loans	0	0
Commercial Portfolio Segment [Member] | Collateral Pledged [Member]
Allowance for credit loss	0	0
Commercial Real Estate Portfolio Segment [Member]
Total loans	572,769	585,099
Allowance for credit loss	6,976	7,164	6,770	7,180
Commercial Real Estate Portfolio Segment [Member] | Residential Developed [Member]
Total loans	4,977	5,809
Commercial Real Estate Portfolio Segment [Member] | Unsecured to Residential Developers [Member]
Total loans	0	800
Commercial Real Estate Portfolio Segment [Member] | Vacant and Unimproved [Member]
Total loans	38,895	39,534
Commercial Real Estate Portfolio Segment [Member] | Commercial Development [Member]
Total loans	78	84
Commercial Real Estate Portfolio Segment [Member] | Residential Improved [Member]
Total loans	107,860	123,875
Commercial Real Estate Portfolio Segment [Member] | Commercial Improved [Member]
Total loans	261,256	260,188
Commercial Real Estate Portfolio Segment [Member] | Manufacturing and Industrial [Member]
Total loans	159,703	154,809
Commercial Real Estate Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Total loans	0	800
Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member]
Total loans	1,440	1,454
Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member] | Residential Developed [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member] | Unsecured to Residential Developers [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member] | Vacant and Unimproved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member] | Commercial Development [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member] | Residential Improved [Member]
Total loans	25	26
Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member] | Commercial Improved [Member]
Total loans	289	292
Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member] | Manufacturing and Industrial [Member]
Total loans	1,126	1,136
Commercial Real Estate Portfolio Segment [Member] | Other Collateral Loan [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Collateral Loan [Member] | Residential Developed [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Collateral Loan [Member] | Unsecured to Residential Developers [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Collateral Loan [Member] | Vacant and Unimproved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Collateral Loan [Member] | Commercial Development [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Collateral Loan [Member] | Residential Improved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Collateral Loan [Member] | Commercial Improved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Collateral Loan [Member] | Manufacturing and Industrial [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member]
Allowance for credit loss	14	17
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member] | Residential Developed [Member]
Allowance for credit loss	0	0
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member] | Unsecured to Residential Developers [Member]
Allowance for credit loss	0	0
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member] | Vacant and Unimproved [Member]
Allowance for credit loss	0	0
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member] | Commercial Development [Member]
Allowance for credit loss	0	0
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member] | Residential Improved [Member]
Allowance for credit loss	0	0
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member] | Commercial Improved [Member]
Allowance for credit loss	14	17
Commercial Real Estate Portfolio Segment [Member] | Collateral Pledged [Member] | Manufacturing and Industrial [Member]
Allowance for credit loss	0	0
Consumer Portfolio Segment [Member]
Total loans	253,039	246,313
Allowance for credit loss	3,586	3,375	$ 2,818	$ 2,458
Consumer Portfolio Segment [Member] | Residential Mortgage [Member]
Total loans	195,923	189,818
Consumer Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Total loans	89	129
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Total loans	53,751	53,039
Consumer Portfolio Segment [Member] | Other Financing Receivables [Member]
Total loans	3,276	3,327
Consumer Portfolio Segment [Member] | Real Estate [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Real Estate [Member] | Residential Mortgage [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Real Estate [Member] | Unsecured Financing Receivable [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Real Estate [Member] | Home Equity Loan [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Real Estate [Member] | Other Financing Receivables [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Other Collateral Loan [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Other Collateral Loan [Member] | Residential Mortgage [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Other Collateral Loan [Member] | Unsecured Financing Receivable [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Other Collateral Loan [Member] | Home Equity Loan [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Other Collateral Loan [Member] | Other Financing Receivables [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Collateral Pledged [Member]
Allowance for credit loss	0	0
Consumer Portfolio Segment [Member] | Collateral Pledged [Member] | Residential Mortgage [Member]
Allowance for credit loss	0	0
Consumer Portfolio Segment [Member] | Collateral Pledged [Member] | Unsecured Financing Receivable [Member]
Allowance for credit loss	0	0
Consumer Portfolio Segment [Member] | Collateral Pledged [Member] | Home Equity Loan [Member]
Allowance for credit loss	0	0
Consumer Portfolio Segment [Member] | Collateral Pledged [Member] | Other Financing Receivables [Member]
Allowance for credit loss	$ 0	$ 0

Note 3 - Loans and Allowance _8

Note 3 - Loans and Allowance for Credit Losses - Schedule of Nonaccrual Financing Receivables (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Nonaccrual with no allowance	$ 0	$ 0
Nonaccrual with allowance	1	1
Nonaccrual	1	1
Over 90 days accruing	0	0
Nonperforming loans	1	1
Commercial Portfolio Segment [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Residential Developed [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Unsecured to Residential Developers [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Vacant and Unimproved [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Development [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Residential Improved [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Improved [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Manufacturing and Industrial [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	0	0
Consumer Portfolio Segment [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	1	1
Nonaccrual	1	1
Over 90 days accruing	0	0
Nonperforming loans	1	1
Consumer Portfolio Segment [Member] | Residential Mortgage [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	1	1
Nonaccrual	1	1
Over 90 days accruing	0	0
Nonperforming loans	1	1
Consumer Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	0	0
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	0	0
Consumer Portfolio Segment [Member] | Other Financing Receivables [Member]
Nonaccrual with no allowance	0	0
Nonaccrual with allowance	0	0
Nonaccrual	0	0
Over 90 days accruing	0	0
Nonperforming loans	$ 0	$ 0

Note 3 - Loans and Allowance _9

Note 3 - Loans and Allowance for Credit Losses - Past Due Receivables (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Total loans	$ 1,342,208	$ 1,338,386
Financing Receivables 30 To 89 Days Past Due [Member]
Total loans	340	44
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans	0	0
Financial Asset, Past Due [Member]
Total loans	340	44
Financial Asset, Not Past Due [Member]
Total loans	1,341,868	1,338,342
Commercial Portfolio Segment [Member]
Total loans	516,400	506,974
Commercial Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member]
Total loans	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Total loans	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Total loans	516,400	506,974
Commercial Real Estate Portfolio Segment [Member]
Total loans	572,769	585,099
Commercial Real Estate Portfolio Segment [Member] | Residential Developed [Member]
Total loans	4,977	5,809
Commercial Real Estate Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Total loans	0	800
Commercial Real Estate Portfolio Segment [Member] | Vacant and Unimproved [Member]
Total loans	38,895	39,534
Commercial Real Estate Portfolio Segment [Member] | Commercial Development [Member]
Total loans	78	84
Commercial Real Estate Portfolio Segment [Member] | Residential Improved [Member]
Total loans	107,860	123,875
Commercial Real Estate Portfolio Segment [Member] | Commercial Improved [Member]
Total loans	261,256	260,188
Commercial Real Estate Portfolio Segment [Member] | Manufacturing and Industrial [Member]
Total loans	159,703	154,809
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Developed [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Unsecured Financing Receivable [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Vacant and Unimproved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Development [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Improved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Improved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Manufacturing and Industrial [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Developed [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Unsecured Financing Receivable [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Vacant and Unimproved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Development [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Improved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Improved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Manufacturing and Industrial [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Residential Developed [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Unsecured Financing Receivable [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Vacant and Unimproved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Commercial Development [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Residential Improved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Commercial Improved [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Manufacturing and Industrial [Member]
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Total loans	572,769	585,099
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Residential Developed [Member]
Total loans	4,977	5,809
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Unsecured Financing Receivable [Member]
Total loans	0	800
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Vacant and Unimproved [Member]
Total loans	38,895	39,534
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Commercial Development [Member]
Total loans	78	84
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Residential Improved [Member]
Total loans	107,860	123,875
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Commercial Improved [Member]
Total loans	261,256	260,188
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Manufacturing and Industrial [Member]
Total loans	159,703	154,809
Consumer Portfolio Segment [Member]
Total loans	253,039	246,313
Consumer Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Total loans	89	129
Consumer Portfolio Segment [Member] | Residential Mortgage [Member]
Total loans	195,923	189,818
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Total loans	53,751	53,039
Consumer Portfolio Segment [Member] | Other Financing Receivables [Member]
Total loans	3,276	3,327
Consumer Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member]
Total loans	340	44
Consumer Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Unsecured Financing Receivable [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Mortgage [Member]
Total loans	310	44
Consumer Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Home Equity Loan [Member]
Total loans	30	0
Consumer Portfolio Segment [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Other Financing Receivables [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Unsecured Financing Receivable [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Mortgage [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Home Equity Loan [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Other Financing Receivables [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Total loans	340	44
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Unsecured Financing Receivable [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Residential Mortgage [Member]
Total loans	310	44
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Home Equity Loan [Member]
Total loans	30	0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Other Financing Receivables [Member]
Total loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Total loans	252,699	246,269
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Unsecured Financing Receivable [Member]
Total loans	89	129
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Residential Mortgage [Member]
Total loans	195,613	189,774
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Home Equity Loan [Member]
Total loans	53,721	53,039
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Other Financing Receivables [Member]
Total loans	$ 3,276	$ 3,327

Note 3 - Loans and Allowance_10

Note 3 - Loans and Allowance for Credit Losses - Modified Financing Receivables (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Number of loans	36	36
Recorded balance	$ 3,260	$ 3,313
Percentage of total loans	0.24%	0.25%
Accruing - nonaccrual at modification	$ 0	$ 0
Accruing - accruing at modification	3,260	3,313
Accruing - upgraded to accruing after six consecutive payments	0	0
Financing Receivable, Modifications, Recorded Investment, Accruing	$ 3,260	$ 3,313
Commercial Portfolio Segment [Member]
Number of loans	2	2
Recorded balance	$ 232	$ 244
Percentage of total loans	0.04%	0.05%
Commercial Real Estate Portfolio Segment [Member]
Number of loans	3	3
Recorded balance	$ 478	$ 485
Percentage of total loans	0.08%	0.08%
Consumer Portfolio Segment [Member]
Number of loans	31	31
Recorded balance	$ 2,550	$ 2,584
Percentage of total loans	1.01%	1.05%

Note 3 - Loans and Allowance_11

Note 3 - Loans and Allowance for Credit Losses - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Total loans	$ 1,342,208	$ 1,338,386
Commercial Portfolio Segment [Member]
Originated current year	28,594	127,824
Originated prior year	121,975	93,051
Originated two years prior	88,633	32,862
Originated three years prior	30,079	17,309
Originated four years prior	16,179	13,897
Originated years prior	94,194	77,830
Revolving	136,746	144,201
Total loans	516,400	506,974
Commercial Portfolio Segment [Member] | Excellent, Above Average, and Good Quality [Member]
Originated current year	14,068	44,605
Originated prior year	38,897	50,019
Originated two years prior	40,494	14,727
Originated three years prior	9,235	4,795
Originated four years prior	5,778	11,941
Originated years prior	45,398	33,652
Revolving	68,809	64,840
Total loans	222,679	224,579
Commercial Portfolio Segment [Member] | Acceptable Risk [Member]
Originated current year	14,526	83,219
Originated prior year	83,078	41,778
Originated two years prior	46,939	18,081
Originated three years prior	20,807	12,245
Originated four years prior	10,148	1,954
Originated years prior	47,312	42,601
Revolving	62,804	70,902
Total loans	285,614	270,780
Commercial Portfolio Segment [Member] | Marginally Acceptable [Member]
Originated current year	0	0
Originated prior year	0	1,254
Originated two years prior	1,200	49
Originated three years prior	37	269
Originated four years prior	253	2
Originated years prior	1,473	1,559
Revolving	5,133	8,459
Total loans	8,096	11,592
Commercial Portfolio Segment [Member] | Substandard [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	5
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	11	18
Revolving	0	0
Total loans	11	23
Commercial Portfolio Segment [Member] | Doubtful [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Consumer Portfolio Segment [Member]
Originated current year	9,660	73,844
Originated prior year	71,058	40,856
Originated two years prior	40,146	26,162
Originated three years prior	25,515	10,270
Originated four years prior	9,931	5,122
Originated years prior	33,091	29,496
Revolving	63,638	60,563
Total loans	253,039	246,313
Consumer Portfolio Segment [Member] | Residential Mortgage [Member]
Originated current year	9,265	71,574
Originated prior year	68,930	39,537
Originated two years prior	38,956	25,400
Originated three years prior	24,798	9,588
Originated four years prior	9,293	4,868
Originated years prior	30,950	27,510
Revolving	13,731	11,341
Total loans	195,923	189,818
Consumer Portfolio Segment [Member] | Residential Mortgage [Member] | Performing Financial Instruments [Member]
Originated current year	9,265	71,574
Originated prior year	68,930	39,537
Originated two years prior	38,956	25,400
Originated three years prior	24,798	9,588
Originated four years prior	9,293	4,868
Originated years prior	30,950	27,510
Revolving	13,731	11,341
Total loans	195,923	189,818
Consumer Portfolio Segment [Member] | Residential Mortgage [Member] | Nonperforming Financial Instruments [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Consumer Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	11
Originated four years prior	10	13
Originated years prior	79	0
Revolving	0	105
Total loans	89	129
Consumer Portfolio Segment [Member] | Unsecured Financing Receivable [Member] | Performing Financial Instruments [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	11
Originated four years prior	10	13
Originated years prior	79	0
Revolving	0	105
Total loans	89	129
Consumer Portfolio Segment [Member] | Unsecured Financing Receivable [Member] | Nonperforming Financial Instruments [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Originated current year	135	518
Originated prior year	490	661
Originated two years prior	626	217
Originated three years prior	211	451
Originated four years prior	443	209
Originated years prior	1,939	1,866
Revolving	49,907	49,117
Total loans	53,751	53,039
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Performing Financial Instruments [Member]
Originated current year	135	518
Originated prior year	490	661
Originated two years prior	626	217
Originated three years prior	211	451
Originated four years prior	443	209
Originated years prior	1,939	1,866
Revolving	49,907	49,117
Total loans	53,751	53,039
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Nonperforming Financial Instruments [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Consumer Portfolio Segment [Member] | Other Financing Receivables [Member]
Originated current year	260	1,752
Originated prior year	1,638	658
Originated two years prior	564	545
Originated three years prior	506	220
Originated four years prior	185	32
Originated years prior	123	120
Revolving	0	0
Total loans	3,276	3,327
Consumer Portfolio Segment [Member] | Other Financing Receivables [Member] | Performing Financial Instruments [Member]
Originated current year	260	1,752
Originated prior year	1,638	658
Originated two years prior	564	545
Originated three years prior	506	220
Originated four years prior	185	32
Originated years prior	123	120
Revolving	0	0
Total loans	3,276	3,327
Consumer Portfolio Segment [Member] | Other Financing Receivables [Member] | Nonperforming Financial Instruments [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member]
Total loans	572,769	585,099
Commercial Real Estate Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Total loans	0	800
Commercial Real Estate Portfolio Segment [Member] | Residential Developed [Member]
Originated current year	1,693	887
Originated prior year	2,328	102
Originated two years prior	57	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	899	4,820
Total loans	4,977	5,809
Commercial Real Estate Portfolio Segment [Member] | Unsecured to Residential Developers [Member]
Originated current year		0
Originated prior year		0
Originated two years prior		0
Originated three years prior		0
Originated four years prior		0
Originated years prior		0
Revolving		800
Total loans	0	800
Commercial Real Estate Portfolio Segment [Member] | Vacant and Unimproved [Member]
Originated current year	151	5,213
Originated prior year	5,385	8,433
Originated two years prior	8,077	10,423
Originated three years prior	10,182	14,514
Originated four years prior	14,167	154
Originated years prior	57	70
Revolving	876	727
Total loans	38,895	39,534
Commercial Real Estate Portfolio Segment [Member] | Commercial Development [Member]
Originated current year	0	0
Originated prior year	0	84
Originated two years prior	78	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	78	84
Commercial Real Estate Portfolio Segment [Member] | Residential Improved [Member]
Originated current year	485	7,814
Originated prior year	8,213	14,300
Originated two years prior	15,347	35,722
Originated three years prior	36,774	9,581
Originated four years prior	9,174	7,269
Originated years prior	26,142	19,699
Revolving	11,725	29,490
Total loans	107,860	123,875
Commercial Real Estate Portfolio Segment [Member] | Commercial Improved [Member]
Originated current year	322	25,102
Originated prior year	31,046	54,206
Originated two years prior	53,761	70,295
Originated three years prior	68,876	49,616
Originated four years prior	47,643	37,745
Originated years prior	53,126	16,619
Revolving	6,482	6,605
Total loans	261,256	260,188
Commercial Real Estate Portfolio Segment [Member] | Manufacturing and Industrial [Member]
Originated current year	12,786	25,008
Originated prior year	26,724	67,755
Originated two years prior	68,336	17,770
Originated three years prior	17,319	13,829
Originated four years prior	13,451	9,728
Originated years prior	20,184	19,567
Revolving	903	1,152
Total loans	159,703	154,809
Commercial Real Estate Portfolio Segment [Member] | Excellent, Above Average, and Good Quality [Member] | Residential Developed [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Excellent, Above Average, and Good Quality [Member] | Unsecured to Residential Developers [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	800
Total loans	0	800
Commercial Real Estate Portfolio Segment [Member] | Excellent, Above Average, and Good Quality [Member] | Vacant and Unimproved [Member]
Originated current year	0	928
Originated prior year	1,111	7,118
Originated two years prior	6,768	9,694
Originated three years prior	9,492	6,703
Originated four years prior	6,531	0
Originated years prior	57	70
Revolving	230	520
Total loans	24,189	25,033
Commercial Real Estate Portfolio Segment [Member] | Excellent, Above Average, and Good Quality [Member] | Commercial Development [Member]
Originated current year	0	0
Originated prior year	0	84
Originated two years prior	78	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	78	84
Commercial Real Estate Portfolio Segment [Member] | Excellent, Above Average, and Good Quality [Member] | Residential Improved [Member]
Originated current year	298	5,708
Originated prior year	6,205	13,755
Originated two years prior	14,809	1,235
Originated three years prior	1,203	8,408
Originated four years prior	8,026	248
Originated years prior	4,133	4,511
Revolving	1,059	719
Total loans	35,733	34,584
Commercial Real Estate Portfolio Segment [Member] | Excellent, Above Average, and Good Quality [Member] | Commercial Improved [Member]
Originated current year	80	13,475
Originated prior year	14,337	19,837
Originated two years prior	19,595	49,452
Originated three years prior	48,674	18,894
Originated four years prior	17,417	11,866
Originated years prior	22,746	11,526
Revolving	5,266	4,851
Total loans	128,115	129,901
Commercial Real Estate Portfolio Segment [Member] | Excellent, Above Average, and Good Quality [Member] | Manufacturing and Industrial [Member]
Originated current year	3,768	8,005
Originated prior year	7,875	41,463
Originated two years prior	42,733	5,742
Originated three years prior	5,518	6,417
Originated four years prior	6,204	4,261
Originated years prior	7,878	3,756
Revolving	642	802
Total loans	74,618	70,446
Commercial Real Estate Portfolio Segment [Member] | Acceptable Risk [Member] | Residential Developed [Member]
Originated current year	1,693	887
Originated prior year	2,328	102
Originated two years prior	57	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	899	4,820
Total loans	4,977	5,809
Commercial Real Estate Portfolio Segment [Member] | Acceptable Risk [Member] | Unsecured to Residential Developers [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Acceptable Risk [Member] | Vacant and Unimproved [Member]
Originated current year	151	2,961
Originated prior year	4,274	1,315
Originated two years prior	1,309	729
Originated three years prior	690	7,811
Originated four years prior	7,636	154
Originated years prior	0	0
Revolving	646	207
Total loans	14,706	13,177
Commercial Real Estate Portfolio Segment [Member] | Acceptable Risk [Member] | Commercial Development [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Acceptable Risk [Member] | Residential Improved [Member]
Originated current year	187	2,106
Originated prior year	2,008	545
Originated two years prior	538	34,461
Originated three years prior	35,546	1,173
Originated four years prior	1,148	7,021
Originated years prior	22,009	15,188
Revolving	10,666	28,771
Total loans	72,102	89,265
Commercial Real Estate Portfolio Segment [Member] | Acceptable Risk [Member] | Commercial Improved [Member]
Originated current year	242	11,627
Originated prior year	16,709	34,347
Originated two years prior	34,150	20,551
Originated three years prior	19,913	30,722
Originated four years prior	30,226	24,118
Originated years prior	25,580	2,033
Revolving	1,216	1,754
Total loans	128,036	125,152
Commercial Real Estate Portfolio Segment [Member] | Acceptable Risk [Member] | Manufacturing and Industrial [Member]
Originated current year	8,786	16,604
Originated prior year	18,849	26,292
Originated two years prior	25,603	12,028
Originated three years prior	11,801	7,412
Originated four years prior	7,247	5,467
Originated years prior	9,292	12,924
Revolving	261	350
Total loans	81,839	81,077
Commercial Real Estate Portfolio Segment [Member] | Marginally Acceptable [Member] | Residential Developed [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Marginally Acceptable [Member] | Unsecured to Residential Developers [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Marginally Acceptable [Member] | Vacant and Unimproved [Member]
Originated current year	0	1,324
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	1,324
Commercial Real Estate Portfolio Segment [Member] | Marginally Acceptable [Member] | Commercial Development [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Marginally Acceptable [Member] | Residential Improved [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	26
Originated three years prior	25	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	25	26
Commercial Real Estate Portfolio Segment [Member] | Marginally Acceptable [Member] | Commercial Improved [Member]
Originated current year	0	0
Originated prior year	0	22
Originated two years prior	16	0
Originated three years prior	0	0
Originated four years prior	0	1,761
Originated years prior	4,800	3,060
Revolving	0	0
Total loans	4,816	4,843
Commercial Real Estate Portfolio Segment [Member] | Marginally Acceptable [Member] | Manufacturing and Industrial [Member]
Originated current year	0	167
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	448	295
Revolving	0	0
Total loans	448	462
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Residential Developed [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Unsecured to Residential Developers [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Vacant and Unimproved [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Commercial Development [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Residential Improved [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Commercial Improved [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	292
Originated three years prior	289	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	289	292
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Manufacturing and Industrial [Member]
Originated current year	232	232
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	2,566	2,592
Revolving	0	0
Total loans	2,798	2,824
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Residential Developed [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Unsecured to Residential Developers [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Vacant and Unimproved [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Commercial Development [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Residential Improved [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Commercial Improved [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Manufacturing and Industrial [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	0	0
Commercial Segment [Member]
Originated current year	44,031	191,848
Originated prior year	195,671	237,931
Originated two years prior	234,289	167,072
Originated three years prior	163,230	104,849
Originated four years prior	100,614	68,793
Originated years prior	193,703	133,785
Revolving	157,631	187,795
Total loans	1,089,169	1,092,073
Commercial Segment [Member] | Excellent, Above Average, and Good Quality [Member]
Originated current year	18,214	72,721
Originated prior year	68,425	132,276
Originated two years prior	124,477	80,850
Originated three years prior	74,122	45,217
Originated four years prior	43,956	28,316
Originated years prior	80,212	53,515
Revolving	76,006	72,532
Total loans	485,412	485,427
Commercial Segment [Member] | Acceptable Risk [Member]
Originated current year	25,585	117,404
Originated prior year	127,246	104,379
Originated two years prior	108,596	85,850
Originated three years prior	88,757	59,363
Originated four years prior	56,405	38,714
Originated years prior	104,193	72,746
Revolving	76,492	106,804
Total loans	587,274	585,260
Commercial Segment [Member] | Marginally Acceptable [Member]
Originated current year	0	1,491
Originated prior year	0	1,276
Originated two years prior	1,216	75
Originated three years prior	62	269
Originated four years prior	253	1,763
Originated years prior	6,721	4,914
Revolving	5,133	8,459
Total loans	13,385	18,247
Commercial Segment [Member] | Substandard [Member]
Originated current year	232	232
Originated prior year	0	0
Originated two years prior	0	297
Originated three years prior	289	0
Originated four years prior	0	0
Originated years prior	2,577	2,610
Revolving	0	0
Total loans	3,098	3,139
Commercial Segment [Member] | Doubtful [Member]
Originated current year	0	0
Originated prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated years prior	0	0
Revolving	0	0
Total loans	$ 0	$ 0

Note 4 - Fair Value - Assets an

Note 4 - Fair Value - Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Debt securities available for sale, at fair value	$ 491,214	$ 508,798
Fair Value, Recurring [Member]
Loans held for sale	0	0
Interest rate swaps	5,553	4,856
Total assets measured at fair value on recurring basis	498,074	514,972
Interest rate swaps	(5,553)	(4,856)
Total liabilities measured at fair value on recurring basis	(5,553)	(4,856)
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans held for sale	0	0
Interest rate swaps	0	0
Total assets measured at fair value on recurring basis	0	0
Interest rate swaps	0	0
Total liabilities measured at fair value on recurring basis	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans held for sale	0	0
Interest rate swaps	5,553	4,856
Total assets measured at fair value on recurring basis	498,074	514,972
Interest rate swaps	(5,553)	(4,856)
Total liabilities measured at fair value on recurring basis	(5,553)	(4,856)
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale	0	0
Interest rate swaps	0	0
Total assets measured at fair value on recurring basis	0	0
Interest rate swaps	0	0
Total liabilities measured at fair value on recurring basis	0	0
US Treasury and Government [Member]
Debt securities available for sale, at fair value	235,081	245,492
US Treasury and Government [Member] | Fair Value, Recurring [Member]
Debt securities available for sale, at fair value	235,081	245,492
US Treasury and Government [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Debt securities available for sale, at fair value	0	0
US Treasury and Government [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale, at fair value	235,081	245,492
US Treasury and Government [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Debt securities available for sale, at fair value	0	0
US Government Agencies Debt Securities [Member]
Debt securities available for sale, at fair value	107,032	111,336
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member]
Debt securities available for sale, at fair value	107,032	111,336
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Debt securities available for sale, at fair value	0	0
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale, at fair value	107,032	111,336
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Debt securities available for sale, at fair value	0	0
Nontaxable Municipal Bonds [Member]
Debt securities available for sale, at fair value	30,281	30,597
Nontaxable Municipal Bonds [Member] | Fair Value, Recurring [Member]
Debt securities available for sale, at fair value	30,281	30,597
Nontaxable Municipal Bonds [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Debt securities available for sale, at fair value	0	0
Nontaxable Municipal Bonds [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale, at fair value	30,281	30,597
Nontaxable Municipal Bonds [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Debt securities available for sale, at fair value	0	0
Taxable Municipal Bonds [Member]
Debt securities available for sale, at fair value	107,501	110,076
Taxable Municipal Bonds [Member] | Fair Value, Recurring [Member]
Debt securities available for sale, at fair value	107,501	110,076
Taxable Municipal Bonds [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Debt securities available for sale, at fair value	0	0
Taxable Municipal Bonds [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale, at fair value	107,501	110,076
Taxable Municipal Bonds [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Debt securities available for sale, at fair value	0	0
Corporate Bonds And Other Debt Securities [Member]
Debt securities available for sale, at fair value	11,319	11,297
Corporate Bonds And Other Debt Securities [Member] | Fair Value, Recurring [Member]
Debt securities available for sale, at fair value	11,319	11,297
Corporate Bonds And Other Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Debt securities available for sale, at fair value	0	0
Corporate Bonds And Other Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Debt securities available for sale, at fair value	11,319	11,297
Corporate Bonds And Other Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Debt securities available for sale, at fair value	0	0
Other Equity Securities [Member] | Fair Value, Recurring [Member]
Other equity securities	1,307	1,318
Other Equity Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Other equity securities	0	0
Other Equity Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Other equity securities	1,307	1,318
Other Equity Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Other equity securities	$ 0	$ 0

Note 4 - Fair Value - Assets Me

Note 4 - Fair Value - Assets Measured on Nonrecurring Basis (Details) - Collateral Pledged [Member] - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Loans, fair value	$ 300
Fair Value, Nonrecurring [Member]
Loans, fair value	300	$ 303
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans, fair value	0	0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans, fair value	0	0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans, fair value	$ 300	$ 303

Note 4 - Fair Value - Valuation

Note 4 - Fair Value - Valuation Techniques (Details) - Collateral Pledged [Member] $ in Millions	Mar. 31, 2024 USD ($)	Dec. 31, 2023
Loans, fair value	$ 0.3
Loans receivable, measurement input		303
Measurement Input, Comparability Adjustment [Member] | Valuation, Market Approach [Member] | Minimum [Member]
Loans receivable, measurement input	0.02	0.02
Measurement Input, Comparability Adjustment [Member] | Valuation, Market Approach [Member] | Maximum [Member]
Loans receivable, measurement input	0.41	0.41
Measurement Input, Comparability Adjustment [Member] | Valuation, Market Approach [Member] | Weighted Average [Member]
Loans receivable, measurement input	0.377	0.375
Measurement Input, Cap Rate [Member] | Valuation, Income Approach [Member] | Minimum [Member]
Loans receivable, measurement input	0.075	0.075
Measurement Input, Cap Rate [Member] | Valuation, Income Approach [Member] | Maximum [Member]
Loans receivable, measurement input	0.085	0.085
Measurement Input, Cap Rate [Member] | Valuation, Income Approach [Member] | Weighted Average [Member]
Loans receivable, measurement input	0.084	0.084

Note 4 - Fair Value - Carrying

Note 4 - Fair Value - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Cash and due from banks	$ 27,081	$ 32,317
Federal funds sold and other short-term investments	331,400	418,035
Bank-owned life insurance	54,535	54,249
Reported Value Measurement [Member]
Off-balance sheet credit-related items	0	0
Estimate of Fair Value Measurement [Member]
Off-balance sheet credit-related items	0	0
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Cash and due from banks	27,081	32,317
Federal funds sold and other short-term investments	331,400	418,035
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Cash and due from banks	27,081	32,317
Federal funds sold and other short-term investments	331,400	418,035
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Loans, fair value	1,324,768	1,320,641
Accrued interest receivable	10,266	8,976
Deposits	(2,284,401)	(2,415,730)
Other borrowed funds	(20,000)	(30,000)
Accrued interest payable	(687)	(672)
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | US Treasury and Government [Member]
Securities held to maturity	221,211	251,229
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Loans, fair value	1,299,904	1,308,900
Accrued interest receivable	10,266	8,976
Deposits	(2,286,250)	(2,417,784)
Other borrowed funds	(19,566)	(29,354)
Accrued interest payable	(687)	(672)
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | US Treasury and Government [Member]
Securities held to maturity	213,266	242,709
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
FHLB stock	10,211	10,211
Bank-owned life insurance	54,535	54,249
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member] | Nontaxable Municipal Bonds [Member]
Securities held to maturity	79,540	80,294
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
FHLB stock	10,211	10,211
Bank-owned life insurance	54,535	54,249
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Nontaxable Municipal Bonds [Member]
Securities held to maturity	$ 78,385	$ 79,389

Note 5 - Derivatives (Details T

Note 5 - Derivatives (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Derivative Liability	$ 0
Derivative Liability, Fair Value of Collateral	1,800
Interest Rate Swap [Member]
Derivative Asset, Notional Amount	105,700	$ 108,200
Other Liabilities [Member] | Interest Rate Swap [Member]
Derivative Liability, Subject to Master Netting Arrangement, before Offset	5,553	4,856
Other Assets [Member] | Interest Rate Swap [Member]
Derivative Asset, Notional Amount	$ 52,832	$ 54,095

Note 5 - Derivatives - Schedule

Note 5 - Derivatives - Schedule of Derivatives (Details) - Interest Rate Swap [Member] - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Derivative assets, notional amount	$ 105,700	$ 108,200
Derivative assets, fair value	5,600	4,900
Other Assets [Member]
Derivative assets, notional amount	52,832	54,095
Derivative assets, fair value	5,553	4,856
Other Liabilities [Member]
Derivative liabilities, notional amount	52,832	54,095
Derivative liabilities, fair value	$ 5,553	$ 4,856

Note 6 - Deposits (Details Text

Note 6 - Deposits (Details Textual) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Time Deposit Liability, Uninsured	$ 82	$ 93.4

Note 6 - Deposits - Schedule of

Note 6 - Deposits - Schedule of Deposits (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Noninterest-bearing	$ 614,325	$ 643,035
Interest bearing demand	561,570	639,689
Savings and money market accounts	799,808	820,530
Certificates of deposit	308,698	312,476
Total deposits	$ 2,284,401	$ 2,415,730

Note 7 - Other Borrowed Funds_2

Note 7 - Other Borrowed Funds (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 480,600	$ 473,100
Advance from Federal Home Loan Bank	20,000	30,000
Financing Receivable, after Allowance for Credit Loss	1,324,768	1,320,944
Federal Reserve Bank Advances [Member]
Short-Term Debt		0
Debt Instrument, Unused Borrowing Capacity, Amount	1,700	1,100
Federal Reserve Bank Advances [Member] | Asset Pledged as Collateral [Member]
Financing Receivable, after Allowance for Credit Loss	1,800	1,100
Putable Advances [Member]
Advance from Federal Home Loan Bank	$ 20,000	20,000
Single Maturity Fixed Rate Advances [Member]
Advance from Federal Home Loan Bank		$ 10,000

Note 7 - Other Borrowed Funds -

Note 7 - Other Borrowed Funds - Federal Home Loan Bank Advances (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Other borrowed funds	$ 20	$ 30
Putable Advances [Member]
Other borrowed funds	$ 20	$ 20
Maturities	2024	2024
Weighted average interest rate	1.81%	1.81%
Single Maturity Fixed Rate Advances [Member]
Other borrowed funds		$ 10
Maturities		2024
Weighted average interest rate		2.63%

Note 7 - Other Borrowed Funds_3

Note 7 - Other Borrowed Funds - Schedule of FHLB Advance Repayments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
2024	$ 20,000
2025	0
2026	0
2027	0
2028	0
Thereafter	0
Advance from Federal Home Loan Bank	$ 20,000	$ 30,000

Note 8 - Earnings Per Common _3

Note 8 - Earnings Per Common Share - Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Net income	$ 9,793	$ 12,004
Weighted average shares outstanding, including participating stock awards - Basic (in shares)	34,361,562	34,297,221
Weighted average shares outstanding - Diluted (in shares)	34,361,562	34,297,221
Basic and diluted earnings per common share (in dollars per share)	$ 0.29	$ 0.35

Note 9 - Federal Income Taxes_2

Note 9 - Federal Income Taxes (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Unrecognized Tax Benefits	$ 0	$ 0

Note 9 - Federal Income Taxes -

Note 9 - Federal Income Taxes - Components of Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Current	$ 2,269	$ 2,825
Deferred income tax expense	80	150
Income Tax Expense (Benefit)	$ 2,349	$ 2,975

Note 9 - Federal Income Taxes_3

Note 9 - Federal Income Taxes - Income Tax Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Statutory rate	21%	21%
Statutory rate applied to income before taxes	$ 2,550	$ 3,146
Tax-exempt interest income	(117)	(147)
Bank-owned life insurance	(58)	(42)
Other, net	(26)	18
Income Tax Expense (Benefit)	$ 2,349	$ 2,975

Note 9 - Federal Income Taxes_4

Note 9 - Federal Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Allowance for credit losses	$ 3,662	$ 3,663
Nonaccrual loan interest	13	13
Unrealized loss on securities available for sale	6,358	6,095
Other	265	262
Gross deferred tax assets	10,298	10,033
Valuation allowance	0	0
Total net deferred tax assets	10,298	10,033
Depreciation	(997)	(1,003)
Prepaid expenses	(303)	(303)
Net deferred loan costs	(52)	(35)
Accretion	(1,238)	(1,139)
Other	(323)	(351)
Gross deferred tax liabilities	(2,913)	(2,831)
Deferred tax asset - net	$ 7,385	$ 7,202

Note 10 - Commitments and Off_3

Note 10 - Commitments and Off Balance-sheet Risk (Details Textual) - USD ($)	Mar. 31, 2024	Dec. 31, 2023
Fair Value Disclosure, off-Balance-Sheet Risks, Face Amount, Liability	$ 0
Commitment To Sell Mortgage Backed Securities [Member]
Fair Value Disclosure, off-Balance-Sheet Risks, Face Amount, Liability	$ 500,000	$ 1,300,000
Commitments to Make Loans at Fixed Rates	67%
Other Liabilities [Member]
Reserve for Unfunded Loan Commitments	$ 69,000	$ 69,000

Note 10 - Commitments and Off_4

Note 10 - Commitments and Off Balance-sheet Risk - Schedule of Off Balance-sheet Risks (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Commitments to Extend Credit [Member]
Off-balance sheet credit-related items	$ 106,820	$ 86,209
Letter of Credit [Member]
Off-balance sheet credit-related items	7,747	10,384
Unused lines of Credit [Member]
Off-balance sheet credit-related items	$ 680,108	$ 693,392

Note 12 - Shareholders' Equit_2

Note 12 - Shareholders' Equity (Details Textual)	Mar. 31, 2024	Dec. 31, 2023
Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum	0.045	0.045
Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Capital Conservation Buffer	0.025
Banking Regulation, Capital Conservation Buffer, Common Equity Tier 1 Risk-Based Capital, Actual	0.07	0.07
Banking Regulation, Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum	0.06	0.06
Banking Regulation, Capital Conservation Buffer, Tier 1 Risk-Based Capital, Actual	0.085	0.085
Banking Regulation, Capital Conservation Buffer, Total Risk-Based Capital, Actual	0.105	0.105
Banking Regulation, Tier 1 Leverage Capital Ratio, Capital Adequacy, Minimum	0.04	0.04

Note 12 - Shareholders' Equit_3

Note 12 - Shareholders' Equity - Regulatory Capital (Details) $ in Thousands	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
CET1 capital, actual amount	$ 316,892	$ 310,015
CET1 capital, actual ratio	0.182	0.177
CET1 capital, minimum capital adequacy amount	$ 78,541	$ 78,836
CET1 capital, minimum capital adequacy ratio	0.045	0.045
CET1 capital, minimum capital adequacy with capital buffer amount	$ 122,174	$ 122,634
CET1 capital, minimum capital adequacy with capital buffer ratio	0.07	0.07
Tier 1 capital, actual amount	$ 316,892	$ 310,015
Tier 1 capital, actual ratio	0.182	0.177
Tier 1 capital, minimum capital adequacy amount	$ 104,721	$ 105,115
Tier 1 capital, minimum capital adequacy ratio	0.06	0.06
Tier 1 capital, minimum capital adequacy with capital buffer amount	$ 148,354	$ 148,913
Tier 1 capital, minimum capital adequacy with capital buffer ratio	0.085	0.085
Total capital, actual amount	$ 334,332	$ 327,457
Total capital, actual ratio	0.192	0.187
Total capital, minimum capital adequacy amount	$ 139,628	$ 140,153
Total capital, minimum capital adequacy ratio	0.08	0.08
Total capital, minimum capital adequacy with capital buffer amount	$ 183,261	$ 183,951
Total capital, minimum capital adequacy with capital buffer ratio	0.105	0.105
Tier 1 leverage capital, actual amount	$ 316,892	$ 310,015
Tier 1 leverage capital, actual ratio	0.118	0.114
Tier 1 leverage capital, minimum capital adequacy amount	$ 107,121	$ 109,284
Tier 1 leverage capital, minimum capital adequacy ratio	0.04	0.04
Subsidiaries [Member]
CET1 capital, actual amount	$ 308,429	$ 300,943
CET1 capital, actual ratio	0.177	0.172
CET1 capital, minimum capital adequacy amount	$ 78,538	$ 78,825
CET1 capital, minimum capital adequacy ratio	0.045	0.045
CET1 capital, minimum capital adequacy with capital buffer amount	$ 122,170	$ 122,617
CET1 capital, minimum capital adequacy with capital buffer ratio	0.07	0.07
CET1 capital, well capitalized amount	$ 113,443	$ 113,859
CET1 capital, well capitalized ratio	0.065	0.065
Tier 1 capital, actual amount	$ 308,429	$ 300,943
Tier 1 capital, actual ratio	0.177	0.172
Tier 1 capital, minimum capital adequacy amount	$ 104,717	$ 105,100
Tier 1 capital, minimum capital adequacy ratio	0.06	0.06
Tier 1 capital, minimum capital adequacy with capital buffer amount	$ 148,349	$ 148,892
Tier 1 capital, minimum capital adequacy with capital buffer ratio	0.085	0.085
Tier 1 capital, well capitalized amount	$ 139,622	$ 140,134
Tier 1 capital, well capitalized ratio	0.08	0.08
Total capital, actual amount	$ 325,869	$ 318,385
Total capital, actual ratio	0.187	0.182
Total capital, minimum capital adequacy amount	$ 139,622	$ 140,134
Total capital, minimum capital adequacy ratio	0.08	0.08
Total capital, minimum capital adequacy with capital buffer amount	$ 183,254	$ 183,925
Total capital, minimum capital adequacy with capital buffer ratio	0.105	0.105
Total capital, well capitalized amount	$ 174,528	$ 175,167
Total capital, well capitalized ratio	0.10	0.10
Tier 1 leverage capital, actual amount	$ 308,429	$ 300,943
Tier 1 leverage capital, actual ratio	0.115	0.11
Tier 1 leverage capital, minimum capital adequacy amount	$ 107,116	$ 109,283
Tier 1 leverage capital, minimum capital adequacy ratio	0.04	0.04
Tier 1 leverage capital, well capitalized amount	$ 133,895	$ 136,604
Tier 1 leverage capital, well capitalized ratio	0.05	0.05