United Bancshares (UBOH) 10-Q 4 Aug 20 2020 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information	6 Months Ended
	Jun. 30, 2020shares
Document Information [Line Items]
Entity Registrant Name	UNITED BANCSHARES INC/OH
Entity Central Index Key	0001087456
Trading Symbol	uboh
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Current Reporting Status	Yes
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)	3,270,814
Entity Shell Company	false
Document Type	10-Q
Document Period End Date	Jun. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q2
Amendment Flag	false
Title of 12(b) Security	Common Stock, No Par Value

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
CASH AND CASH EQUIVALENTS
Cash and due from banks	$ 10,053	$ 9,167
Interest-bearing deposits in other banks	58,795	17,245
Total cash and cash equivalents	68,848	26,412
SECURITIES, available-for-sale	174,236	183,611
FEDERAL HOME LOAN BANK STOCK, at cost	5,598	5,302
LOANS HELD FOR SALE	23,817	15,301
LOANS AND LEASES	671,216	576,424
Less allowance for loan and lease losses	5,589	4,131
Net loans and leases	665,627	572,293
PREMISES AND EQUIPMENT, net	18,538	18,789
GOODWILL	28,616	28,616
CORE DEPOSIT INTANGIBLE ASSETS, net	718	794
CASH SURRENDER VALUE OF LIFE INSURANCE	18,803	18,613
OTHER ASSETS, including accrued interest receivable	9,246	10,283
TOTAL ASSETS	1,014,047	880,014
Deposits:
Non-interest-bearing	166,424	116,360
Interest-bearing	664,803	590,774
Total deposits	831,227	707,134
Other borrowings	58,250	58,750
Junior subordinated deferrable interest debentures	12,925	12,908
Other liabilities	6,851	6,441
Total liabilities	909,253	785,233
SHAREHOLDERS’ EQUITY
Common stock, stated value $1.00, authorized 10,000,000 shares; issued 3,760,557 shares	3,761	3,761
Surplus	15,396	15,251
Retained earnings	86,698	80,629
Accumulated other comprehensive income	6,628	2,872
Treasury stock, at cost, 490,158 shares at June 30, 2020 and 492,462 shares at December 31, 2019	(7,689)	(7,732)
Total shareholders’ equity	104,794	94,781
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,014,047	$ 880,014

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares	Jun. 30, 2020	Dec. 31, 2019
Common stock, stated value (in dollars per share)	$ 1	$ 1
Common stock, authorized (in shares)	10,000,000	10,000,000
Common stock, issued (in shares)	3,760,557	3,760,557
Treasury stock, shares (in shares)	490,158	492,462

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020		Jun. 30, 2019
INTEREST INCOME
Loans and leases, including fees	$ 9,051	$ 8,210	$ 16,996		$ 15,993
Securities:
Taxable	486	655	1,098		1,317
Tax-exempt	511	403	1,009		816
Other	30	202	207		330
Total interest income	10,078	9,470	19,310		18,456
INTEREST EXPENSE
Deposits	958	1,599	2,493		3,009
Other borrowings	534	626	1,107		1,267
Total interest expense	1,492	2,225	3,600		4,276
Net interest income	8,586	7,245	15,710		14,180
PROVISION FOR LOAN AND LEASE LOSSES	900	150	1,450		250
Net interest income after provision for loan and lease losses	7,686	7,095	14,260		13,930
NON-INTEREST INCOME
Gain on sale of loans (1)	5,965	2,186	8,548	[1]	3,624	[1]
Net securities gains (1)	287		287	[1]		[1]
Other non-interest income	1,869	947	2,120		2,017
Total non-interest income	8,121	3,133	10,955		5,641
NON-INTEREST EXPENSES	8,805	7,492	17,015		14,714
INCOME BEFORE INCOME TAXES	7,002	2,736	8,200		4,857
PROVISION FOR INCOME TAXES	1,334	451	1,444		758
NET INCOME	$ 5,668	$ 2,285	$ 6,756		$ 4,099
NET INCOME PER SHARE (basic and diluted) (in dollars per share)	$ 1.73	$ 0.70	$ 2.07		$ 1.25
Weighted average common shares outstanding (basic) (in shares)	3,270,814	3,270,635	3,270,351		3,270,522
Weighted average common shares outstanding (diluted) (in shares)	3,270,814	3,272,041	3,270,351		3,271,928
[1]	Not within the scope of ASC 606

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Net income	$ 5,668	$ 2,285	$ 6,756	$ 4,099
OTHER COMPREHENSIVE INCOME
Unrealized holding gains during period	1,308	2,158	5,041	4,710
Reclassification adjustments for gains included in net income	(287)		(287)
Other comprehensive income, before income taxes	1,021	2,158	4,754	4,710
Income tax expense related to items of other comprehensive income	214	453	998	989
Other comprehensive income	807	1,705	3,756	3,721
COMPREHENSIVE INCOME	$ 6,475	$ 3,990	$ 10,512	$ 7,820

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Treasury Stock [Member]	Total
BALANCE at Dec. 31, 2018	$ 3,761	$ 14,960	$ 71,670	$ (1,764)	$ (7,683)	$ 80,944
Net income			4,099			4,099
Other comprehensive income				3,721		3,721
Shares issued from treasury in connection with the Corporation's Employee Stock Purchase Plan		10			20	30
Stock option expense		110				110
Cash dividends declared			(850)			(850)
BALANCE at Jun. 30, 2019	3,761	15,080	74,919	1,957	(7,663)	88,054
BALANCE at Mar. 31, 2019	3,761	15,025	73,058	252	(7,663)	84,433
Net income			2,285			2,285
Other comprehensive income				1,705		1,705
Stock option expense		55				55
Cash dividends declared			(424)			(424)
BALANCE at Jun. 30, 2019	3,761	15,080	74,919	1,957	(7,663)	88,054
BALANCE at Dec. 31, 2019	3,761	15,251	80,629	2,872	(7,732)	94,781
Net income			6,756			6,756
Other comprehensive income				3,756		3,756
Shares issued from treasury in connection with the Corporation's Employee Stock Purchase Plan		26			43	69
Stock option expense		119				119
Cash dividends declared			(687)			(687)
BALANCE at Jun. 30, 2020	3,761	15,396	86,698	6,628	(7,689)	104,794
BALANCE at Mar. 31, 2020	3,761	15,337	81,259	5,821	(7,696)	98,482
Net income			5,668			5,668
Other comprehensive income				807		807
Shares issued from treasury in connection with the Corporation's Employee Stock Purchase Plan					7	7
Stock option expense		59				59
Cash dividends declared			(229)			(229)
BALANCE at Jun. 30, 2020	$ 3,761	$ 15,396	$ 86,698	$ 6,628	$ (7,689)	$ 104,794

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Stock issued during the period, shares, Employee Stock Purchase Plans (in shares)	415		2,719	1,277
Cash dividends declared per share (in dollars per share)	$ 0.07	$ 0.13	$ 0.21	$ 0.26

Condensed Consolidated Statem_2

Condensed Consolidated Statement of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES	$ 1,730	$ 1,638
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from sales, calls and maturities of available-for-sale securities	32,317	26,491
Purchases of available-for-sale securities	(18,373)	(29,510)
Purchases of FHLB stock	(296)
Proceeds from sale of other real estate owned		68
Net increase in loans and leases	(92,383)	(10,585)
Purchases of premises and equipment	(111)	(183)
Net cash used in investing activities	(78,846)	(13,719)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	124,071	22,962
Repayments of other borrowings	(500)	(6,193)
Proceeds from sale of treasury shares	69	30
Cash dividends paid	(687)	(850)
Net cash provided by financing activities	122,953	15,949
NET INCREASE IN CASH AND CASH EQUIVALENTS	45,837	3,868
CASH AND CASH EQUIVALENTS
At beginning of period	26,412	16,475
At end of period	72,249	20,343
SUPPLEMENTAL CASH FLOW DISCLOSURES
Interest	3,635	4,258
Federal income taxes
Non-cash investing activities:
Change in net unrealized gain or loss on available-for-sale securities	$ 5,041	$ 4,710

Note 1 - Consolidated Financial

Note 1 - Consolidated Financial Statements	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies [Text Block]	NOTE 1 The consolidated financial statements of United Bancshares, Inc. and subsidiaries (the “Corporation”) have been prepared without audit and in the opinion of management reflect all adjustments (which include normal recurring adjustments) necessary to present fairly such information for the periods and dates indicated. Since the unaudited financial statements have been prepared in accordance with the instructions to Form 10 not six June 30, 2020 not may December 31, 2020 December 31, 2019 10 December 31, 2019 The consolidated financial statements include the accounts of the Corporation and its wholly-owned subsidiary, The Union Bank Company (the “Bank”). The Bank has formed a wholly-owned subsidiary, UBC Investments, Inc. (“UBC”), to hold and manage its securities portfolio. The operations of UBC are located in Wilmington, Delaware. The Bank has also formed a wholly-owned subsidiary, UBC Property, Inc. (“UBC Property”), to hold and manage certain property. All significant intercompany balances and transactions have been eliminated in consolidation. The accounting and reporting policies of the Corporation conform to generally accepted practices within the banking industry. The Corporation considers all of its principal activities to be banking related.

Note 2 - New Accounting Pronoun

Note 2 - New Accounting Pronouncements	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Accounting Standards Update and Change in Accounting Principle [Text Block]	NOTE 2 In June 2016, 2016 13, 326 four 2016 13 not 2016 13 December 15, 2019. July 17, 2019, 2016 13. October 16, 2019, December 15, 2022. In January 2017, 2017 04, 350 2 December 15, 2019. 2017 04 January 1, 2020 not In August 2018, 2018 13, no 1 2 3 2018 13 December 15, 2019. 2018 13 January 1, 2020. not In April, 2019, 2019 04, 326, 815, 825, not In December, 2019, 2019 12, 740 740. 740 December 15, 2020. not may not In January, 2020, 2020 01, 321 323 815 321, 323, 815. 321 815 10 15 141 not 323 825. 815 10 15 141 December 15, 2020, not not In March 2020, 2020 03, not In March 2020, 2020 04, 848 March 12, 2020 December 31, 2022. not

Note 3 - Securities

Note 3 - Securities	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	NOTE 3 The amortized cost, unrealized gains and losses, and fair value of available-for-sale securities as of June 30, 2020 December 31, 2019 (in thousands) June 30, 2020 Amortized cost Gross unrealized gains Gross unrealized losses Fair value Available-for-sale: Obligations of states and political subdivisions $ 72,368 $ 4,931 $ - $ 77,299 Mortgage-backed 92,455 3,448 4 95,899 Other 1,023 15 - 1,038 Total $ 165,846 $ 8,394 $ 4 $ 174,236 (in thousands) December 31, 2019 Amortized cost Gross unrealized gains Gross unrealized losses Fair value Available-for-sale: Obligations of states and political subdivisions $ 70,043 $ 2,593 $ 82 $ 72,554 Mortgage-backed 108,907 1,292 158 110,041 Other 1,025 - 9 1,016 Total $ 179,975 $ 3,885 $ 249 $ 183,611

Note 4 - Loans and Leases

Note 4 - Loans and Leases	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 4 The following tables present the activity in the allowance for loan and lease losses by portfolio segment for the six June 30, 2020 2019 (in thousands) Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total Balance at December 31, 2019 $ 592 $ 2,536 $ 939 $ 64 $ 4,131 Provision charged to expenses 204 897 331 18 1,450 Losses charged off (8 ) - (4 ) (10 ) (22 ) Recoveries 7 11 12 - 30 Balance at June 30, 2020 $ 795 $ 3,444 $ 1,278 $ 72 $ 5,589 Balance at December 31, 2018 $ 576 $ 2,355 $ 534 $ 62 $ 3,527 Provision charged to expenses 28 (98 ) 315 5 250 Losses charged off (25 ) - - (4 ) (29 ) Recoveries 14 94 8 - 116 Balance at June 30, 2019 $ 593 $ 2,351 $ 857 $ 63 $ 3,864 The following tables present the balance in the allowance for loan and lease losses and the recorded investment in loans and leases by portfolio segment and based on impairment method as of June 30, 2020 December 31, 2019 (in thousands) June 30, 2020 Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total Allowance for loan and lease losses: Attributable to loans and leases individually evaluated for impairment $ - $ 84 $ 490 $ - $ 574 Collectively evaluated for impairment 795 3,360 788 72 5,015 Total allowance for loan and lease losses $ 795 $ 3,444 $ 1,278 $ 72 $ 5,589 Loans and leases: Individually evaluated for impairment $ - $ 1,585 $ 1,288 $ - $ 2,873 Acquired with deteriorated credit quality 60 128 - - 188 Collectively evaluated for impairment 109,884 369,972 181,002 7,297 668,155 Total ending loans and leases balance $ 109,944 $ 371,685 $ 182,290 $ 7,297 $ 671,216 December 31, 2019 Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total Allowance for loan and lease losses: Attributable to loans and leases individually evaluated for impairment $ - $ 93 $ 342 $ - $ 435 Collectively evaluated for impairment 592 2,443 597 64 3,696 Total allowance for loan and lease losses $ 592 $ 2,536 $ 939 $ 64 $ 4,131 Loans and leases: Individually evaluated for impairment $ - $ 1,499 $ 1,279 $ - $ 2,778 Acquired with deteriorated credit quality 61 127 - - 188 Collectively evaluated for impairment 122,844 365,988 76,379 8,247 573,458 Total ending loans and leases balance $ 122,905 $ 367,614 $ 77,658 $ 8,247 $ 576,424 The average recorded investment in impaired loans and leases (excluding loans and leases acquired with deteriorated credit quality) for the six June 30, 2020 $2,897,000 $1,821,000 six June 30, 2019. $574,000 June 30, 2020 $392,000 June 30, 2019 $23,000 six June 30, 2020 $139,000 six June 30, 2019 The following table presents the recorded investment in nonaccrual loans and leases, loans and leases past due over 90 June 30, 2020 December 31, 2019 (in thousands) June 30, 2020 Nonaccrual Loans and leases past due over 90 days still accruing Accruing Troubled Debt Restructurings Residential 1-4 family real estate $ 467 $ 498 $ 213 Commercial and multi family real estate 1,227 - 590 Agricultural real estate 19 - - Commercial 19 - 771 Agriculture - - - Consumer - - - Total $ 1,732 $ 498 $ 1,574 December 31, 2019 Residential 1-4 family real estate $ 414 $ 138 $ 223 Commercial and multi family real estate 545 - 623 Agricultural real estate 4 - - Commercial - - 772 Agriculture - - - Consumer - - - Total $ 963 $ 138 $ 1,618 The following table presents the aging of the recorded investment in past due loans and leases as of June 30, 2020 December 31, 2019 (in thousands) June 30, 2020 30 – 59 days past due 60 – 89 days past due Greater than 90 days past due Total past due Loans and leases not past due Total Residential 1-4 family real estate $ 2,093 $ 273 $ 826 $ 3,192 $ 106,752 $ 109,944 Commercial and multi family real estate 389 - 996 1,385 333,384 334,769 Agricultural real estate - - 17 17 36,899 36,916 Commercial 600 - 19 619 170,405 171,024 Agriculture - - - - 11,266 11,266 Consumer 14 - - 14 7,283 7,297 Total $ 3,096 $ 273 $ 1,858 $ 5,227 $ 665,989 $ 671,216 December 31, 2019 Residential 1-4 family real estate $ 2,709 $ 99 $ 322 $ 3,130 $ 119,775 $ 122,905 Commercial and multi family real estate 177 302 15 494 332,161 332,655 Agricultural real estate - - - - 34,959 34,959 Commercial - 57 5 62 67,826 67,888 Agriculture - - - - 9,770 9,770 Consumer 2 - - 2 8,245 8,247 Total $ 2,888 $ 458 $ 342 $ 3,688 $ 572,736 $ 576,424 Credit Quality Indicators: The Corporation categorizes loans and leases into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Corporation analyzes loans and leases individually by classifying the loans and leases as to the credit risk. This analysis generally includes non-homogenous loans and leases, such as commercial and commercial real estate loans and leases. The Corporation uses the following definitions for risk ratings: ● Pa ss not ● Special Mention: not not 1 2 ● Substandard: may may ● Doubtful: The following table provides a summary of the loan portfolio risk grades, as applicable, based on the most recent analysis performed, as of June 30, 2020 December 31, 2019 As of June 30, 2020 December 31, 2019 (in thousands) June 30, 2020 Pass Special Mention Substandard Doubtful Not rated Residential 1 - 4 family $ 7,490 $ - $ - $ - $ 102,454 Commercial and multi- family real estate 364,745 1,914 3,318 - 1,708 Commercial 61,237 902 1,623 - 118,528 Consumer 34 - - - 7,263 Total $ 433,506 $ 2,816 $ 4,941 $ - $ 229,953 December 31, 2019 Residential 1 - 4 family $ 9,219 $ - $ - $ - $ 113,686 Commercial and multi- family real estate 362,519 1,797 3,258 - 40 Commercial 75,559 410 1,688 - 1 Consumer 45 - - - 8,202 Total $ 447,342 $ 2,207 $ 4,946 $ - $ 121,929 The Corporation considers the performance of the loan and lease portfolio and its impact on the allowance for loan and lease losses. For all loan classes that are not not 90 not June 30, 2020 December 31, 2019 (in thousands) June 30, 2020 Residential 1-4 family Commercial and multi-family real estate Commercial Consumer Total Performing $ 101,628 $ 1,692 $ 118,527 $ 7,263 $ 229,110 Nonperforming 826 16 1 - 843 Total $ 102,454 $ 1,708 $ 118,528 $ 7,263 $ 229,953 December 31, 2019 Performing $ 113,364 $ 24 $ - $ 8,202 $ 121,590 Nonperforming 322 16 1 - 339 Total $ 113,686 $ 40 $ 1 $ 8,202 $ 121,929 Modifications: The Corporation's loan and lease portfolio also includes certain loans and leases that have been modified in a Troubled Debt Restructuring (TDR), where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Corporation's loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. All TDRs are also classified as impaired loans and leases. When the Corporation modifies a loan or lease, management evaluates any possible concession based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan or lease agreement, except when the sole (remaining) source of repayment for the loan or lease is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, instead of discounted cash flows. If management determines that the value of the modified loan or lease is less than the recorded investment in the loan or lease (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), an impairment is recognized through a specific reserve in the allowance or a direct write down of the loan or lease balance if collection is not There were no six June 30, 2020 19 90 90 June 30, 2020, 138 $47.3 not The Corporation acquired The Ohio State Bank (“OSB”) in November 2014 September 2017. not The following is information related to loans and leases acquired in these transactions, including purchased impaired loans: The Ohio State Bank (in thousands) Contractual Principal Accretable Carrying Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2019 $ 13,047 $ (430 ) $ 12,617 Change due to payments received (1,644 ) 52 (1,592 ) Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at June 30, 2020 $ 11,403 $ (378 ) $ 11,025 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 160 $ (134 ) $ 26 Change due to payments received (44 ) 71 27 Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at June 30, 2020 $ 116 $ (63 ) $ 53 Benchmark Bank (in thousands) Contractual Principal Accretable Carrying Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2019 $ 58,953 $ (1,177 ) $ 57,776 Change due to payments received (14,306 ) 359 (13,947 ) Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at June 30, 2020 $ 44,647 $ (818 ) $ 43,829 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 354 $ (192 ) $ 162 Change due to payments received (46 ) 56 10 Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at June 30, 2020 $ 308 $ (136 ) $ 172 There was no six June 30, 2020 2019 no

Note 5 - Other Borrowings

Note 5 - Other Borrowings	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Debt Disclosure [Text Block]	NOTE 5 Other borrowings consists of the following at June 30, 2020 December 31, 2019 (in thousands) June 30, December 31, 2020 2019 Federal Home Loan Bank: Secured note, with interest at 1.72%, due September, 2020 $ 6,000 $ 6,000 Secured note, with interest at 2.90%, due June, 2021 8,000 8,000 Secured note, with variable interest, at 0.57% at June 30, 2020 and 2.13% at December 31, 2019, due September, 2021 7,000 7,000 Secured note, with interest at 1.86%, due September, 2021 6,000 6,000 Secured note, with interest at 2.94%, due December, 2021 8,000 8,000 Secured note, with interest at 2.98%, due June, 2022 9,000 9,000 Secured note, with interest at 1.97%, due September, 2022 6,000 6,000 United Bankers Bank Note payable, with interest at 4.875% and $250,000 principal payments payable quarterly with any remaining unpaid principal, due September 1, 2022. All Union Bank stock is held as collateral. 8,250 8,750 Total other borrowings $ 58,250 $ 58,750 Federal Home Loan Bank borrowings are secured by Federal Home Loan Bank stock and eligible mortgage loans approximating $159,080,000 $186,076,000 June 30, 2020 December 31, 2019 Future maturities of other borrowings are as follows: 2020: $6,500,000; 2021, $30,000,000; 2022, $21,750,000.

Note 6 - Junior Subordinated De

Note 6 - Junior Subordinated Deferrable Interest Debentures	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Subordinated Borrowings Disclosure [Text Block]	NOTE 6 The Corporation has formed and invested $300,000 not $10,000,000 $10,300,000 March 26, 2033. March 26, 2008, may 315 3 3.43 June 30, 2020 5.10% December 31, 2019 not 20 The Corporation assumed $3,093,000 $3,000,000 $93,000 June 30, 2020 December 31, 2019 as $2,625,000 $2,608,000, April 23, 2034. 285 3 3.89 June 30, 2020 4.78% December 31, 2019 Each issue of the trust preferred securities carries an interest rate identical to that of the related debenture. The securities have been structured to qualify as Tier I capital for regulatory purposes and the dividends paid on such are tax deductible. However, under Federal Reserve Board guidelines, the securities cannot be used to constitute more than 25% Interest expense on the debentures amounted to $ 299,000 $377,000 six June 30, 2020 2019

Note 7 - Fair Value Measurement

Note 7 - Fair Value Measurements	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	NOTE 7 ASC 820 10 not not ASC 820 10 may 820 10 Level 1 Level 2 1 2 not Level 3 Financial assets (there were no June 30, 2020 December 31, 2019 1 2 $910,000 June 30, 2020 $1,061,000 December 31, 2019 3 June 30, 2020 $1,524,000 $1,495,000 December 31, 2019 There were no June 30, 2020 June 30, 2020 The tables below present a reconciliation and income statement classification of gains and losses for mortgage servicing rights, which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3 six June 30, 2020 December 31, 2019 (in thousands) June 30, December 31, 2020 2019 Mortgage Servicing Rights Balance at beginning of period $ 1,061 $ 1,313 Gains or losses, including realized and unrealized: Purchases, issuances, and settlements 337 192 Disposals - amortization based on loan payments and payoffs (179 ) (186 ) Changes in fair value (309 ) (258 ) Balance at end of period $ 910 $ 1,061 A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, and disclosure of unobservable inputs follows. In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not may may may may not Securities Available-for-Sale Where quoted prices are available in an active market, securities are classified within Level 1 1 not 2 3 Impaired Loans The Corporation does not 2 3 15% 35% 10% 20% 3 3. Mortgage Servicing Rights The Corporation records mortgage servicing rights at estimated fair value based on a discounted cash flow model which includes discount rates between 11% 13%, 3 3. Other Real Estate Owned The Corporation values other real estate owned at the estimated fair value of the underlying collateral less appraisal adjustments typically between 10% 30% 10% 20% 3 3. Certain other financial assets and financial liabilities are measured at fair value on a nonrecurring basis; that is, the instruments are not not June 30, 2020 December 31, 2019

Note 8 - Fair Value of Financia

Note 8 - Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Financial Instruments Disclosure [Text Block]	NOTE 8 The carrying amounts and estimated fair values of recognized financial instruments at June 30, 2020 December 31, 2019 (in thousands) June 30, 2020 December 31, 2019 Carrying amount Estimated value Carrying amount Estimated value Input Level FINANCIAL ASSETS Cash and cash equivalents $ 68,848 $ 68,848 $ 26,412 $ 26,412 1 Securities, including FHLB stock 179,834 179,834 188,913 188,913 2,3 Loans held for sale 23,817 23,817 15,301 15,301 3 Net loans and leases 665,627 666,773 572,293 572,936 3 Mortgage servicing rights 910 910 1,061 1,061 3 Hedging assets 3,282 3,282 970 970 3 Total Financial Assets $ 942,318 $ 943,464 $ 804,950 $ 805,593 FINANCIAL LIABILITIES Deposits Maturity $ 167,454 $ 168,981 $ 197,391 $ 197,428 3 Non-maturity 663,773 663,773 509,743 509,743 1 Other borrowings 58,250 58,959 58,750 58,692 3 Junior subordinated deferrable interest debentures 12,925 8,195 12,908 11,067 3 Hedging liabilities 435 435 27 27 3 Total Financial Liabilities $ 902,837 $ 900,343 $ 778,819 $ 776,957 The above summary does not There are also unrecognized financial instruments at June 30, 2020 December 31, 2019 $153,251,000 June 30, 2020 $133,220,000 December 31, 2019 The following methods and assumptions were used to estimate the fair value of each class of financial instruments shown above: Cash and cash equivalents: Fair value is determined to be the carrying amount for these items (which include cash on hand, due from banks, and federal funds sold) because they represent cash or mature in 90 not Securities: The fair value of securities is determined based on quoted market prices of the individual securities; if not not Loans held for sale: The fair value of loans held for sale is determined based on the sales price of similar loans. Loan held for sale are typically held for 60 Loans and leases: Fair value for loans and leases was estimated for portfolios of loans and leases with similar financial characteristics. For adjustable rate loans, which re-price at least annually and generally possess low risk characteristics, the carrying amount is believed to be a reasonable estimate of fair value. For fixed rate loans, the fair value is estimated based on a discounted cash flow analysis, considering weighted average rates and terms of the portfolio, adjusted for credit and interest rate risk inherent in the loans. Fair value for nonperforming loans is based on recent appraisals or estimated discounted cash flows. The fair value disclosures for both fixed and adjustable rate loans were adjusted to reflect the exit price amount anticipated to be received from the sale of the loans in an open market transaction. Mortgage servicing rights: The fair value for mortgage servicing rights is determined based on an analysis of the portfolio by an independent third Deposit liabilities: The fair value of core deposits, including demand deposits, savings accounts, and certain money market deposits, is the amount payable on demand. The fair value of fixed-maturity certificates of deposit is estimated using the rates offered at quarter end for deposits of similar remaining maturities. The estimated fair value does not Other borrowings and junior subordinated deferrable interest debentures: The fair value of other borrowings and junior subordinated deferrable interest debentures are determined using the net present value of discounted cash flows based on current borrowing rates for similar types of borrowing arrangements, and are obtained from an independent third Other financial instruments: The fair value of commitments to extend credit and letters of credit is determined to be the contract amount, since these financial instruments generally represent commitments at existing rates. The fair value of other borrowings is determined based on a discounted cash flow analysis using current interest rates. The fair value of other liabilities is generally considered to be carrying value except for the deferred compensation agreement. The fair value of the contract is determined based on a discounted cash flow analysis using a current interest rate for a similar instrument. The fair value estimates of financial instruments are made at a specific point in time based on relevant market information. These estimates do not one not no

Note 9 - Stock Options

Note 9 - Stock Options	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	NOTE 9 The United Bancshares, Inc. 2016 250,000 The Corporation has issued 30,151 2017 $21.70, 31,267 2018 $23.30, 33,853 2019 $22.97 six June 30, 2020 June 30, 2019 June 30, June 30, 2020 2019 Outstanding, beginning of period 117,647 93,069 Granted - 33,853 Exercised - - Forfeited - - Outstanding, end of period 117,647 126,922 Weighted average exercise price at end of quarter $ 21.81 $ 21.81 The options vest over a three June 30, 2020 68,317 31,718 June 30, 2019 7.7 The fair value of options granted is estimated at the date of grant using the Black Scholes option pricing model. Following are assumptions used in calculating the fair value of the options granted that are still vesting: 2019 2018 2017 Weighted-average fair value of options granted $ 7.77 $ 7.87 $ 7.35 Average dividend yield 2.26 % 2.18 % 2.23 % Expected volatility 40.00 % 40.00 % 40.00 % Risk-free interest rate 1.93 % 2.81 % 2.06 % Expected term (years) 7 7 7 Total compensation expense related to the stock options granted in 2017 $192,000 36 August 1, 2017. 2018 $213,000 36 September 1, 2018. 2019 $263,000 36 July 1, 2019. $59,000 $119,000 quarter and six June 30, 2020 $55,000 $111,000 quarter and six June 30, 2019

Note 10 - Non-interest Income

Note 10 - Non-interest Income	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Other Income and Other Expense Disclosure [Text Block]	NOTE 10 The Corporation's revenue from contracts with customers within the scope of ASC 606 Service charges on deposit accounts : Service charges on deposit accounts primarily consist of account analysis fees, monthly maintenance fees, overdraft fees, and other deposit account related fees. Overdraft fees and certain service charges are fixed and the performance obligation is typically satisfied at the time of the related transaction. The consideration for analysis fees and monthly maintenance fees are variable as the fee can be reduced if the customer meets certain qualifying metrics. The Corporation's performance obligations are satisfied at the time of the transaction or over the course of a month. Interchange fee income: The Corporation earns interchange fees from debit and credit cardholder transactions conducted through the MasterCard payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized concurrently with the transaction processing services provided to the cardholder. Wealth management income The Corporation earns wealth management and investment brokerage fees from its services with customers to manage assets for investment, to provide advisory services, and for account transactions. Fees are based on the market value of the assets under management and are recognized monthly as the Corporation's performance obligations are met. Commissions on transactions are recognized on a trade-date basis as the performance obligation is satisfied at the point in time in which the trade is processed. Other related services are based on a fixed fee schedule and the revenue is recognized when the services are rendered, which is when the Corporation has satisfied its performance obligation. The following table presents the Corporation's non-interest income for the six June 30, 2020 2019. 606 Six Months ended June 30, 2020 2019 Service charges on deposit accounts $ 566 $ 710 Gain on sale of loans (1) 8,548 3,624 Net securities gains (1) 287 - Change in fair value of mortgage servicing rights (1) (309 ) (282 ) Increase in cash surrender value of life insurance (1) 190 193 Other Credit and debit card interchange fees 703 699 Wealth management 167 154 Net loan servicing fees (1) 86 178 Other non-interest income 717 365 Total non-interest income $ 10,955 $ 5,641 ( 1 Not 606

Note 11 - Subsequent Events

Note 11 - Subsequent Events	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Subsequent Events [Text Block]	NOTE 11 Management evaluated subsequent events through the date the consolidated financial statements were issued. Events or transactions occurring after June 30, 2020 June 30, 2020 June 30, 2020 not June 30, 2020 not June 30, 2020 On July 21, 2020, $0.14 September 15, 2020 August 31, 2020 .

Significant Accounting Policies

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2020
Accounting Policies [Abstract]
New Accounting Pronouncements, Policy [Policy Text Block]	In June 2016, 2016 13, 326 four 2016 13 not 2016 13 December 15, 2019. July 17, 2019, 2016 13. October 16, 2019, December 15, 2022. In January 2017, 2017 04, 350 2 December 15, 2019. 2017 04 January 1, 2020 not In August 2018, 2018 13, no 1 2 3 2018 13 December 15, 2019. 2018 13 January 1, 2020. not In April, 2019, 2019 04, 326, 815, 825, not In December, 2019, 2019 12, 740 740. 740 December 15, 2020. not may not In January, 2020, 2020 01, 321 323 815 321, 323, 815. 321 815 10 15 141 not 323 825. 815 10 15 141 December 15, 2020, not not In March 2020, 2020 03, not In March 2020, 2020 04, 848 March 12, 2020 December 31, 2022. not

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	(in thousands) June 30, 2020 Amortized cost Gross unrealized gains Gross unrealized losses Fair value Available-for-sale: Obligations of states and political subdivisions $ 72,368 $ 4,931 $ - $ 77,299 Mortgage-backed 92,455 3,448 4 95,899 Other 1,023 15 - 1,038 Total $ 165,846 $ 8,394 $ 4 $ 174,236 (in thousands) December 31, 2019 Amortized cost Gross unrealized gains Gross unrealized losses Fair value Available-for-sale: Obligations of states and political subdivisions $ 70,043 $ 2,593 $ 82 $ 72,554 Mortgage-backed 108,907 1,292 158 110,041 Other 1,025 - 9 1,016 Total $ 179,975 $ 3,885 $ 249 $ 183,611

Note 4 - Loans and Leases (Tabl

Note 4 - Loans and Leases (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	(in thousands) Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total Balance at December 31, 2019 $ 592 $ 2,536 $ 939 $ 64 $ 4,131 Provision charged to expenses 204 897 331 18 1,450 Losses charged off (8 ) - (4 ) (10 ) (22 ) Recoveries 7 11 12 - 30 Balance at June 30, 2020 $ 795 $ 3,444 $ 1,278 $ 72 $ 5,589 Balance at December 31, 2018 $ 576 $ 2,355 $ 534 $ 62 $ 3,527 Provision charged to expenses 28 (98 ) 315 5 250 Losses charged off (25 ) - - (4 ) (29 ) Recoveries 14 94 8 - 116 Balance at June 30, 2019 $ 593 $ 2,351 $ 857 $ 63 $ 3,864
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	(in thousands) June 30, 2020 Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total Allowance for loan and lease losses: Attributable to loans and leases individually evaluated for impairment $ - $ 84 $ 490 $ - $ 574 Collectively evaluated for impairment 795 3,360 788 72 5,015 Total allowance for loan and lease losses $ 795 $ 3,444 $ 1,278 $ 72 $ 5,589 Loans and leases: Individually evaluated for impairment $ - $ 1,585 $ 1,288 $ - $ 2,873 Acquired with deteriorated credit quality 60 128 - - 188 Collectively evaluated for impairment 109,884 369,972 181,002 7,297 668,155 Total ending loans and leases balance $ 109,944 $ 371,685 $ 182,290 $ 7,297 $ 671,216 December 31, 2019 Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total Allowance for loan and lease losses: Attributable to loans and leases individually evaluated for impairment $ - $ 93 $ 342 $ - $ 435 Collectively evaluated for impairment 592 2,443 597 64 3,696 Total allowance for loan and lease losses $ 592 $ 2,536 $ 939 $ 64 $ 4,131 Loans and leases: Individually evaluated for impairment $ - $ 1,499 $ 1,279 $ - $ 2,778 Acquired with deteriorated credit quality 61 127 - - 188 Collectively evaluated for impairment 122,844 365,988 76,379 8,247 573,458 Total ending loans and leases balance $ 122,905 $ 367,614 $ 77,658 $ 8,247 $ 576,424
Financing Receivable, Nonaccrual [Table Text Block]	(in thousands) June 30, 2020 Nonaccrual Loans and leases past due over 90 days still accruing Accruing Troubled Debt Restructurings Residential 1-4 family real estate $ 467 $ 498 $ 213 Commercial and multi family real estate 1,227 - 590 Agricultural real estate 19 - - Commercial 19 - 771 Agriculture - - - Consumer - - - Total $ 1,732 $ 498 $ 1,574 December 31, 2019 Residential 1-4 family real estate $ 414 $ 138 $ 223 Commercial and multi family real estate 545 - 623 Agricultural real estate 4 - - Commercial - - 772 Agriculture - - - Consumer - - - Total $ 963 $ 138 $ 1,618
Financing Receivable, Past Due [Table Text Block]	(in thousands) June 30, 2020 30 – 59 days past due 60 – 89 days past due Greater than 90 days past due Total past due Loans and leases not past due Total Residential 1-4 family real estate $ 2,093 $ 273 $ 826 $ 3,192 $ 106,752 $ 109,944 Commercial and multi family real estate 389 - 996 1,385 333,384 334,769 Agricultural real estate - - 17 17 36,899 36,916 Commercial 600 - 19 619 170,405 171,024 Agriculture - - - - 11,266 11,266 Consumer 14 - - 14 7,283 7,297 Total $ 3,096 $ 273 $ 1,858 $ 5,227 $ 665,989 $ 671,216 December 31, 2019 Residential 1-4 family real estate $ 2,709 $ 99 $ 322 $ 3,130 $ 119,775 $ 122,905 Commercial and multi family real estate 177 302 15 494 332,161 332,655 Agricultural real estate - - - - 34,959 34,959 Commercial - 57 5 62 67,826 67,888 Agriculture - - - - 9,770 9,770 Consumer 2 - - 2 8,245 8,247 Total $ 2,888 $ 458 $ 342 $ 3,688 $ 572,736 $ 576,424
Financing Receivable Credit Quality Indicators [Table Text Block]	(in thousands) June 30, 2020 Pass Special Mention Substandard Doubtful Not rated Residential 1 - 4 family $ 7,490 $ - $ - $ - $ 102,454 Commercial and multi- family real estate 364,745 1,914 3,318 - 1,708 Commercial 61,237 902 1,623 - 118,528 Consumer 34 - - - 7,263 Total $ 433,506 $ 2,816 $ 4,941 $ - $ 229,953 December 31, 2019 Residential 1 - 4 family $ 9,219 $ - $ - $ - $ 113,686 Commercial and multi- family real estate 362,519 1,797 3,258 - 40 Commercial 75,559 410 1,688 - 1 Consumer 45 - - - 8,202 Total $ 447,342 $ 2,207 $ 4,946 $ - $ 121,929
Schedule of the Performance of the Loan Portfolio [Table Text Block]	(in thousands) June 30, 2020 Residential 1-4 family Commercial and multi-family real estate Commercial Consumer Total Performing $ 101,628 $ 1,692 $ 118,527 $ 7,263 $ 229,110 Nonperforming 826 16 1 - 843 Total $ 102,454 $ 1,708 $ 118,528 $ 7,263 $ 229,953 December 31, 2019 Performing $ 113,364 $ 24 $ - $ 8,202 $ 121,590 Nonperforming 322 16 1 - 339 Total $ 113,686 $ 40 $ 1 $ 8,202 $ 121,929
Schedule of Loans Acquired in Acquisition [Table Text Block]	The Ohio State Bank (in thousands) Contractual Principal Accretable Carrying Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2019 $ 13,047 $ (430 ) $ 12,617 Change due to payments received (1,644 ) 52 (1,592 ) Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at June 30, 2020 $ 11,403 $ (378 ) $ 11,025 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 160 $ (134 ) $ 26 Change due to payments received (44 ) 71 27 Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at June 30, 2020 $ 116 $ (63 ) $ 53 Benchmark Bank (in thousands) Contractual Principal Accretable Carrying Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2019 $ 58,953 $ (1,177 ) $ 57,776 Change due to payments received (14,306 ) 359 (13,947 ) Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at June 30, 2020 $ 44,647 $ (818 ) $ 43,829 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 354 $ (192 ) $ 162 Change due to payments received (46 ) 56 10 Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at June 30, 2020 $ 308 $ (136 ) $ 172

Note 5 - Other Borrowings (Tabl

Note 5 - Other Borrowings (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Debt [Table Text Block]	(in thousands) June 30, December 31, 2020 2019 Federal Home Loan Bank: Secured note, with interest at 1.72%, due September, 2020 $ 6,000 $ 6,000 Secured note, with interest at 2.90%, due June, 2021 8,000 8,000 Secured note, with variable interest, at 0.57% at June 30, 2020 and 2.13% at December 31, 2019, due September, 2021 7,000 7,000 Secured note, with interest at 1.86%, due September, 2021 6,000 6,000 Secured note, with interest at 2.94%, due December, 2021 8,000 8,000 Secured note, with interest at 2.98%, due June, 2022 9,000 9,000 Secured note, with interest at 1.97%, due September, 2022 6,000 6,000 United Bankers Bank Note payable, with interest at 4.875% and $250,000 principal payments payable quarterly with any remaining unpaid principal, due September 1, 2022. All Union Bank stock is held as collateral. 8,250 8,750 Total other borrowings $ 58,250 $ 58,750

Note 7 - Fair Value Measureme_2

Note 7 - Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	(in thousands) June 30, December 31, 2020 2019 Mortgage Servicing Rights Balance at beginning of period $ 1,061 $ 1,313 Gains or losses, including realized and unrealized: Purchases, issuances, and settlements 337 192 Disposals - amortization based on loan payments and payoffs (179 ) (186 ) Changes in fair value (309 ) (258 ) Balance at end of period $ 910 $ 1,061

Note 8 - Fair Value of Financ_2

Note 8 - Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	(in thousands) June 30, 2020 December 31, 2019 Carrying amount Estimated value Carrying amount Estimated value Input Level FINANCIAL ASSETS Cash and cash equivalents $ 68,848 $ 68,848 $ 26,412 $ 26,412 1 Securities, including FHLB stock 179,834 179,834 188,913 188,913 2,3 Loans held for sale 23,817 23,817 15,301 15,301 3 Net loans and leases 665,627 666,773 572,293 572,936 3 Mortgage servicing rights 910 910 1,061 1,061 3 Hedging assets 3,282 3,282 970 970 3 Total Financial Assets $ 942,318 $ 943,464 $ 804,950 $ 805,593 FINANCIAL LIABILITIES Deposits Maturity $ 167,454 $ 168,981 $ 197,391 $ 197,428 3 Non-maturity 663,773 663,773 509,743 509,743 1 Other borrowings 58,250 58,959 58,750 58,692 3 Junior subordinated deferrable interest debentures 12,925 8,195 12,908 11,067 3 Hedging liabilities 435 435 27 27 3 Total Financial Liabilities $ 902,837 $ 900,343 $ 778,819 $ 776,957

Note 9 - Stock Options (Tables)

Note 9 - Stock Options (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Share-based Payment Arrangement, Option, Activity [Table Text Block]	June 30, June 30, 2020 2019 Outstanding, beginning of period 117,647 93,069 Granted - 33,853 Exercised - - Forfeited - - Outstanding, end of period 117,647 126,922 Weighted average exercise price at end of quarter $ 21.81 $ 21.81
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]	2019 2018 2017 Weighted-average fair value of options granted $ 7.77 $ 7.87 $ 7.35 Average dividend yield 2.26 % 2.18 % 2.23 % Expected volatility 40.00 % 40.00 % 40.00 % Risk-free interest rate 1.93 % 2.81 % 2.06 % Expected term (years) 7 7 7

Note 10 - Non-interest Income (

Note 10 - Non-interest Income (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Noninterest Income [Table Text Block]	Six Months ended June 30, 2020 2019 Service charges on deposit accounts $ 566 $ 710 Gain on sale of loans (1) 8,548 3,624 Net securities gains (1) 287 - Change in fair value of mortgage servicing rights (1) (309 ) (282 ) Increase in cash surrender value of life insurance (1) 190 193 Other Credit and debit card interchange fees 703 699 Wealth management 167 154 Net loan servicing fees (1) 86 178 Other non-interest income 717 365 Total non-interest income $ 10,955 $ 5,641

Note 3 - Securities - Amortized

Note 3 - Securities - Amortized Cost and Fair Value of Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Available-for-sale securities, Amortized cost	$ 165,846	$ 179,975
Available-for-sale securities, Gross unrealized gains	8,394	3,885
Available-for-sale securities, Gross unrealized losses	4	249
Available-for-sale securities, Fair Value	174,236	183,611
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, Amortized cost	72,368	70,043
Available-for-sale securities, Gross unrealized gains	4,931	2,593
Available-for-sale securities, Gross unrealized losses		82
Available-for-sale securities, Fair Value	77,299	72,554
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, Amortized cost	92,455	108,907
Available-for-sale securities, Gross unrealized gains	3,448	1,292
Available-for-sale securities, Gross unrealized losses	4	158
Available-for-sale securities, Fair Value	95,899	110,041
Other Debt Obligations [Member]
Available-for-sale securities, Amortized cost	1,023	1,025
Available-for-sale securities, Gross unrealized gains	15
Available-for-sale securities, Gross unrealized losses		9
Available-for-sale securities, Fair Value	$ 1,038	$ 1,016

Note 4 - Loans and Leases (Deta

Note 4 - Loans and Leases (Details Textual)	6 Months Ended
	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)
Impaired Financing Receivable, Average Recorded Investment, Total	$ 2,897,000	$ 1,821,000
Impaired Financing Receivable, Related Allowance	574,000	392,000
Impaired Financing Receivable, Interest Income, Accrual Method, Total	$ 23,000	139,000
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0
Provision for Loan and Lease Losses, Total	$ 1,450,000	250,000
Ohio State Bancshares Inc [Member]
Provision for Loan and Lease Losses, Total	$ 0	$ 0
COVID 19 [Member]
Financing Receivable, Number of Payment Deferrals	138
Financing Receivable, Deferred Payments	$ 47,300,000

Note 4 - Loans and Leases - Act

Note 4 - Loans and Leases - Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Allowance for loan and lease losses beginning balance	$ 4,131	$ 3,527
Provision charged to expenses	1,450	250
Losses charged off	(22)	(29)
Recoveries	30	116
Allowance for loan and lease losses ending balance	5,589	3,864
Commercial and Agriculture Portfolio Segment [Member]
Allowance for loan and lease losses beginning balance	592	576
Provision charged to expenses	204	28
Losses charged off	(8)	(25)
Recoveries	7	14
Allowance for loan and lease losses ending balance	795	593
Commercial and Agricultural Real Estate Portfolio Segment [Member]
Allowance for loan and lease losses beginning balance	2,536	2,355
Provision charged to expenses	897	(98)
Losses charged off
Recoveries	11	94
Allowance for loan and lease losses ending balance	3,444	2,351
Residential 1 - 4 Family Real Estate [Member]
Allowance for loan and lease losses beginning balance	939	534
Provision charged to expenses	331	315
Losses charged off	(4)
Recoveries	12	8
Allowance for loan and lease losses ending balance	1,278	857
Consumer Portfolio Segment [Member]
Allowance for loan and lease losses beginning balance	64	62
Provision charged to expenses	18	5
Losses charged off	(10)	(4)
Recoveries
Allowance for loan and lease losses ending balance	$ 72	$ 63

Note 4 - Loans and Leases - A_2

Note 4 - Loans and Leases - Activity in the Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Attributable to loans and leases individually evaluated for impairment	$ 574	$ 435
Collectively evaluated for impairment	5,015	3,696
Total allowance for loan and lease losses	5,589	4,131
Individually evaluated for impairment	2,873	2,778
Acquired with deteriorated credit quality	229,953	121,929
Collectively evaluated for impairment	668,155	573,458
Loans receivable	671,216	576,424
Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality	188	188
Residential 1 - 4 Family Real Estate [Member]
Attributable to loans and leases individually evaluated for impairment
Collectively evaluated for impairment	795	592
Total allowance for loan and lease losses	795	592
Individually evaluated for impairment
Collectively evaluated for impairment	109,884	122,844
Loans receivable	109,944	122,905
Residential 1 - 4 Family Real Estate [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality	60	61
Commercial and Agricultural Real Estate Portfolio Segment [Member]
Attributable to loans and leases individually evaluated for impairment	84	93
Collectively evaluated for impairment	3,360	2,443
Total allowance for loan and lease losses	3,444	2,536
Individually evaluated for impairment	1,585	1,499
Collectively evaluated for impairment	369,972	365,988
Loans receivable	371,685	367,614
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality	128	127
Commercial and Agriculture Portfolio Segment [Member]
Attributable to loans and leases individually evaluated for impairment	490	342
Collectively evaluated for impairment	788	597
Total allowance for loan and lease losses	1,278	939
Individually evaluated for impairment	1,288	1,279
Collectively evaluated for impairment	181,002	76,379
Loans receivable	182,290	77,658
Commercial and Agriculture Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality
Consumer Portfolio Segment [Member]
Attributable to loans and leases individually evaluated for impairment
Collectively evaluated for impairment	72	64
Total allowance for loan and lease losses	72	64
Individually evaluated for impairment
Acquired with deteriorated credit quality	7,263	8,202
Collectively evaluated for impairment	7,297	8,247
Loans receivable	7,297	8,247
Consumer Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality

Note 4 - Loans and Leases - Sum

Note 4 - Loans and Leases - Summary of Nonaccrual Loans and Leases (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Recorded investment, nonaccrual	$ 1,732	$ 963
Loans and leases past due over 90 days still accruing	498	138
Troubled debt restructurings	1,574	1,618
Residential 1 - 4 Family Real Estate [Member]
Recorded investment, nonaccrual	467	414
Loans and leases past due over 90 days still accruing	498	138
Troubled debt restructurings	213	223
Commercial Real Estate Portfolio Segment [Member]
Recorded investment, nonaccrual	1,227	545
Loans and leases past due over 90 days still accruing
Troubled debt restructurings	590	623
Agricultural Real Estate [Member]
Recorded investment, nonaccrual	19	4
Loans and leases past due over 90 days still accruing
Troubled debt restructurings
Commercial Portfolio Segment [Member]
Recorded investment, nonaccrual	19
Loans and leases past due over 90 days still accruing
Troubled debt restructurings	771	772
Agriculture [Member]
Recorded investment, nonaccrual
Loans and leases past due over 90 days still accruing
Troubled debt restructurings
Consumer Portfolio Segment [Member]
Recorded investment, nonaccrual
Loans and leases past due over 90 days still accruing
Troubled debt restructurings

Note 4 - Loans and Leases - Agi

Note 4 - Loans and Leases - Aging of the Recorded Investment in Past Due Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Past due	$ 5,227	$ 3,688
Loans and leases not past due	665,989	572,736
Total loans and leases balance	671,216	576,424
Financial Asset, 30 to 59 Days Past Due [Member]
Past due	3,096	2,888
Financial Asset, 60 to 89 Days Past Due [Member]
Past due	273	458
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due	1,858	342
Residential 1 - 4 Family Real Estate [Member]
Past due	3,192	3,130
Loans and leases not past due	106,752	119,775
Total loans and leases balance	109,944	122,905
Residential 1 - 4 Family Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	2,093	2,709
Residential 1 - 4 Family Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Past due	273	99
Residential 1 - 4 Family Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due	826	322
Commercial and Multi-Family Real Estate [Member]
Past due	1,385	494
Loans and leases not past due	333,384	332,161
Total loans and leases balance	334,769	332,655
Commercial and Multi-Family Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	389	177
Commercial and Multi-Family Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Past due		302
Commercial and Multi-Family Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due	996	15
Agriculture [Member]
Past due
Loans and leases not past due	11,266	9,770
Total loans and leases balance	11,266	9,770
Agriculture [Member] | Real Estate Loan [Member]
Past due	17
Loans and leases not past due	36,899	34,959
Total loans and leases balance	36,916	34,959
Agriculture [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due
Agriculture [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Real Estate Loan [Member]
Past due
Agriculture [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Past due
Agriculture [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Loan [Member]
Past due
Agriculture [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due
Agriculture [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Real Estate Loan [Member]
Past due	17
Commercial Portfolio Segment [Member]
Past due	619	62
Loans and leases not past due	170,405	67,826
Total loans and leases balance	171,024	67,888
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	600
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Past due		57
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due	19	5
Consumer Portfolio Segment [Member]
Past due	14	2
Loans and leases not past due	7,283	8,245
Total loans and leases balance	7,297	8,247
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	14	2
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Past due
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due

Note 4 - Loans and Leases - Loa

Note 4 - Loans and Leases - Loans by Credit Quality Indicators (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Loans receivable	$ 671,216	$ 576,424
Pass [Member]
Loans receivable	433,506	447,342
Special Mention [Member]
Loans receivable	2,816	2,207
Substandard [Member]
Loans receivable	4,941	4,946
Doubtful [Member]
Loans receivable
Not Rated [Member]
Loans receivable	229,953	121,929
Residential 1 - 4 Family Real Estate [Member]
Loans receivable	109,944	122,905
Residential 1 - 4 Family Real Estate [Member] | Pass [Member]
Loans receivable	7,490	9,219
Residential 1 - 4 Family Real Estate [Member] | Special Mention [Member]
Loans receivable
Residential 1 - 4 Family Real Estate [Member] | Substandard [Member]
Loans receivable
Residential 1 - 4 Family Real Estate [Member] | Doubtful [Member]
Loans receivable
Residential 1 - 4 Family Real Estate [Member] | Not Rated [Member]
Loans receivable	102,454	113,686
Commercial and Agricultural Real Estate Portfolio Segment [Member]
Loans receivable	371,685	367,614
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Pass [Member]
Loans receivable	364,745
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Special Mention [Member]
Loans receivable	1,914
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Substandard [Member]
Loans receivable	3,318
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Doubtful [Member]
Loans receivable
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Not Rated [Member]
Loans receivable	1,708
Commercial and Agriculture Loans [Member] | Pass [Member]
Loans receivable	61,237
Commercial and Agriculture Loans [Member] | Special Mention [Member]
Loans receivable	902
Commercial and Agriculture Loans [Member] | Substandard [Member]
Loans receivable	1,623
Commercial and Agriculture Loans [Member] | Doubtful [Member]
Loans receivable
Commercial and Agriculture Loans [Member] | Not Rated [Member]
Loans receivable	118,528
Consumer Portfolio Segment [Member]
Loans receivable	7,297	8,247
Consumer Portfolio Segment [Member] | Pass [Member]
Loans receivable	34	45
Consumer Portfolio Segment [Member] | Special Mention [Member]
Loans receivable
Consumer Portfolio Segment [Member] | Substandard [Member]
Loans receivable
Consumer Portfolio Segment [Member] | Doubtful [Member]
Loans receivable
Consumer Portfolio Segment [Member] | Not Rated [Member]
Loans receivable	7,263	8,202
Commercial and Multi-Family Real Estate [Member]
Loans receivable	334,769	332,655
Commercial and Multi-Family Real Estate [Member] | Pass [Member]
Loans receivable		362,519
Commercial and Multi-Family Real Estate [Member] | Special Mention [Member]
Loans receivable		1,797
Commercial and Multi-Family Real Estate [Member] | Substandard [Member]
Loans receivable		3,258
Commercial and Multi-Family Real Estate [Member] | Doubtful [Member]
Loans receivable
Commercial and Multi-Family Real Estate [Member] | Not Rated [Member]
Loans receivable		40
Commercial Portfolio Segment [Member]
Loans receivable	$ 171,024	67,888
Commercial Portfolio Segment [Member] | Pass [Member]
Loans receivable		75,559
Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans receivable		410
Commercial Portfolio Segment [Member] | Substandard [Member]
Loans receivable		1,688
Commercial Portfolio Segment [Member] | Doubtful [Member]
Loans receivable
Commercial Portfolio Segment [Member] | Not Rated [Member]
Loans receivable		$ 1

Note 4 - Loans and Leases - Per

Note 4 - Loans and Leases - Performance of Loan Portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Loans receivable	$ 229,953	$ 121,929
Residential Portfolio Segment [Member]
Loans receivable	102,454	113,686
Commercial and Multi-Family Real Estate [Member]
Loans receivable	1,708	40
Commercial Portfolio Segment [Member]
Loans receivable	118,528	1
Consumer Portfolio Segment [Member]
Loans receivable	7,263	8,202
Performing Financial Instruments [Member]
Loans receivable	229,110	121,590
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	101,628	113,364
Performing Financial Instruments [Member] | Commercial and Multi-Family Real Estate [Member]
Loans receivable	1,692	24
Performing Financial Instruments [Member] | Commercial Portfolio Segment [Member]
Loans receivable	118,527
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member]
Loans receivable	7,263	8,202
Nonperforming Financial Instruments [Member]
Loans receivable	843	339
Nonperforming Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	826	322
Nonperforming Financial Instruments [Member] | Commercial and Multi-Family Real Estate [Member]
Loans receivable	16	16
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member]
Loans receivable	1	1
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member]
Loans receivable

Note 4 - Loans and Leases - Sch

Note 4 - Loans and Leases - Schedule of Loans Acquired in Acquisition (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2020USD ($)
Ohio State Bancshares Inc [Member] | Performing Financial Instruments [Member]
Contractual principal receivable, beginning balance	$ 13,047
Accretable difference, beginning balance	(430)
Carrying amount, beginning balance	12,617
Contractual principal receivable, change due to payments received	(1,644)
Accretable difference, change due to payments received	52
Carrying amount, change due to payments received	(1,592)
Contractual principal receivable, ending balance	11,403
Accretable difference, ending balance	(378)
Carrying amount, ending balance	11,025
Ohio State Bancshares Inc [Member] | Nonperforming Financial Instruments [Member]
Contractual principal receivable, beginning balance	160
Accretable difference, beginning balance	(134)
Carrying amount, beginning balance	26
Contractual principal receivable, change due to payments received	(44)
Accretable difference, change due to payments received	71
Carrying amount, change due to payments received	27
Contractual principal receivable, ending balance	116
Accretable difference, ending balance	(63)
Carrying amount, ending balance	53
Benchmark Bancorp, Inc. [Member] | Performing Financial Instruments [Member]
Contractual principal receivable, beginning balance	58,953
Accretable difference, beginning balance	(1,177)
Carrying amount, beginning balance	57,776
Contractual principal receivable, change due to payments received	(14,306)
Accretable difference, change due to payments received	359
Carrying amount, change due to payments received	(13,947)
Contractual principal receivable, ending balance	44,647
Accretable difference, ending balance	(818)
Carrying amount, ending balance	43,829
Benchmark Bancorp, Inc. [Member] | Nonperforming Financial Instruments [Member]
Contractual principal receivable, beginning balance	354
Accretable difference, beginning balance	(192)
Carrying amount, beginning balance	162
Contractual principal receivable, change due to payments received	(46)
Accretable difference, change due to payments received	56
Carrying amount, change due to payments received	10
Contractual principal receivable, ending balance	308
Accretable difference, ending balance	(136)
Carrying amount, ending balance	$ 172

Note 5 - Other Borrowings (Deta

Note 5 - Other Borrowings (Details Textual) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Loans Pledged as Collateral	$ 159,080,000	$ 186,076,000
Long-Term Debt, Maturity, Remainder of Fiscal Year	6,500,000
Other Borrowings, Maturities, Year Two	30,000,000
Other Borrowings, Maturities, Year Three	$ 21,750,000

Note 5 - Other Borrowings - Com

Note 5 - Other Borrowings - Composition of Other Borrowings (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Other Borrowings	$ 58,250	$ 58,750
Secured Notes With Interest At 1.72% [Member]
Federal Home Loan Bank	6,000	6,000
Secured Notes With Interest At 2.90% [Member]
Federal Home Loan Bank	8,000	8,000
Secured Note With Variable Interest [Member]
Federal Home Loan Bank	7,000	7,000
Secured Notes With Interest At 1.86% [Member]
Federal Home Loan Bank	6,000	6,000
Secured Notes With Interest At 2.94% [Member]
Federal Home Loan Bank	8,000	8,000
Secured Notes With Interest At 2.98% [Member]
Federal Home Loan Bank	9,000	9,000
Secured Notes With Interest At 1.97% [Member]
Federal Home Loan Bank	6,000	6,000
Note Payable With Interest At 4.875% [Member]
Other Borrowings	$ 8,250	$ 8,750

Note 5 - Other Borrowings - C_2

Note 5 - Other Borrowings - Composition of Other Borrowings (Details) (Parentheticals) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Secured Notes With Interest At 1.72% [Member]
Debt instrument, interest rate, stated percentage	1.72%	1.72%
Debt instrument, maturity date	Sep. 1, 2020	Sep. 1, 2020
Secured Notes With Interest At 2.90% [Member]
Debt instrument, interest rate, stated percentage	2.90%	2.90%
Debt instrument, maturity date	Jun. 1, 2021	Jun. 1, 2021
Secured Note With Variable Interest [Member]
Debt instrument, interest rate, stated percentage	0.57%	2.13%
Debt instrument, maturity date	Sep. 1, 2021	Sep. 1, 2021
Secured Notes With Interest At 1.86% [Member]
Debt instrument, interest rate, stated percentage	1.86%	1.86%
Debt instrument, maturity date	Sep. 1, 2021	Sep. 1, 2021
Secured Notes With Interest At 2.94% [Member]
Debt instrument, interest rate, stated percentage	2.94%	2.94%
Debt instrument, maturity date	Dec. 1, 2021	Dec. 1, 2021
Secured Notes With Interest At 2.98% [Member]
Debt instrument, interest rate, stated percentage	2.98%	2.98%
Debt instrument, maturity date	Jun. 1, 2022	Jun. 1, 2022
Secured Notes With Interest At 1.97% [Member]
Debt instrument, interest rate, stated percentage	1.97%	1.97%
Debt instrument, maturity date	Sep. 1, 2022	Sep. 1, 2022
Note Payable With Interest At 4.875% [Member]
Debt instrument, interest rate, stated percentage	4.875%	4.875%
Debt instrument, maturity date	Sep. 1, 2022	Sep. 1, 2022
Debt instrument, periodic principal payments	$ 250	$ 250

Note 6 - Junior Subordinated _2

Note 6 - Junior Subordinated Deferrable Interest Debentures (Details Textual)	6 Months Ended		12 Months Ended
	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Investments in and Advances to Affiliates, Balance, Principal Amount	$ 300,000
Guarantor Obligations, Maximum Exposure, Undiscounted	10,000,000
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust, Total	$ 12,925,000		$ 12,908,000
Subordinated Borrowing, Interest Rate	3.43%		5.10%
Subordinated Debenture, Default, Interest Payment Deferment Quarterly Periods	20
Other Long-term Debt, Total	$ 2,625,000		$ 2,608,000
Interest Expense, Debt, Total	$ 299,000	$ 377,000
London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument, Basis Spread on Variable Rate	3.15%
Trust Preferred Securities [Member]
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust, Total	$ 10,300,000
Trust Preferred Securities [Member] | Ohio State Bancshares Inc [Member]
Subordinated Borrowing, Interest Rate	3.89%		4.78%
Business Combination, Consideration Transferred, Liabilities Incurred	$ 3,093,000
Trust Preferred Securities [Member] | London Interbank Offered Rate (LIBOR) [Member] | Ohio State Bancshares Inc [Member]
Debt Instrument, Basis Spread on Variable Rate	2.85%
Guaranteed Trust Preferred Securities [Member] | Ohio State Bancshares Inc [Member]
Business Combination, Consideration Transferred, Liabilities Incurred	$ 3,000,000
Trusted Preferred Securities Secured by an Investment [Member] | Ohio State Bancshares Inc [Member]
Business Combination, Consideration Transferred, Liabilities Incurred	$ 93,000

Note 7 - Fair Value Measureme_3

Note 7 - Fair Value Measurements (Details Textual)	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Financial Liabilities Fair Value Disclosure, Total	$ 898,568,900,343,000	$ 776,957,000
Assets, Fair Value Disclosure	$ 945,370,943,464,000	805,593,000
Measurement Input, Appraised Value [Member] | Minimum [Member]
Impaired Loans, Measurement Input	0.15
Other Real Estate Owned, Measurement Input	0.1
Measurement Input, Appraised Value [Member] | Maximum [Member]
Impaired Loans, Measurement Input	0.35
Other Real Estate Owned, Measurement Input	0.3
Measurement Input, Cost to Sell [Member] | Minimum [Member]
Impaired Loans, Measurement Input	0.1
Other Real Estate Owned, Measurement Input	0.1
Measurement Input, Cost to Sell [Member] | Maximum [Member]
Impaired Loans, Measurement Input	0.2
Other Real Estate Owned, Measurement Input	0.2
Measurement Input, Discount Rate [Member] | Minimum [Member]
Mortgage Servicing Rights, Measurement Input	0.11
Measurement Input, Discount Rate [Member] | Maximum [Member]
Mortgage Servicing Rights, Measurement Input	0.13
Fair Value, Inputs, Level 3 [Member]
Impaired Financing Receivable, Recorded Investment, Total	$ 1,524,000	1,495,000
Fair Value, Recurring [Member]
Financial Liabilities Fair Value Disclosure, Total	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage Servicing Rights [Member]
Assets, Fair Value Disclosure	$ 910,000	$ 1,061,000

Note 7 - Fair Value Measureme_4

Note 7 - Fair Value Measurements - Reconciliation and Income Statement Classification of Gains and Losses (Details) - Fair Value, Inputs, Level 3 [Member] - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Balance at beginning of period	$ 1,061	$ 1,313
Purchases, issuances, and settlements	337	192
Disposals - amortization based on loan payments and payoffs	(179)	(186)
Changes in fair value	(309)	(258)
Balance at end of period	$ 910	$ 1,061

Note 8 - Fair Value of Financ_3

Note 8 - Fair Value of Financial Instruments (Details Textual) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Commitments to Extend Credit [Member]
Other Commitment, Total	$ 153,251,000	$ 133,220,000

Note 8 - Fair Value of Financ_4

Note 8 - Fair Value of Financial Instruments - Carrying Amounts and Estimated Fair Values of Recognized Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Total Financial Assets	$ 945,370,943,464	$ 805,593
Total Financial Liabilities	898,568,900,343	776,957
Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	68,848	26,412
Fair Value, Inputs, Level 1 [Member] | Non-Maturity Deposits [Member]
Deposits	647,256,663,773	509,743
Fair Value, Inputs Level 2 and Level 3 [Member]
Securities, including FHLB stock	179,834	188,913
Fair Value, Inputs, Level 3 [Member]
Loans held for sale	23,817	15,301
Net loans and leases	670,001,666,773	572,936
Mortgage servicing rights	910	1,061	$ 1,313
Hedging assets	19,603,282	970
Other borrowings	58,177,959	58,692
Junior subordinated deferrable interest debentures	63,078,195	11,067
Hedging liabilities	1,123,435	27
Fair Value, Inputs, Level 3 [Member] | Maturity Deposits [Member]
Deposits	185,705,168,981	197,428
Reported Value Measurement [Member]
Total Financial Assets	944,397,942,318	804,950
Total Financial Liabilities	903,525,902,837	778,819
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	68,848	26,412
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member] | Non-Maturity Deposits [Member]
Deposits	647,256,663,773	509,743
Reported Value Measurement [Member] | Fair Value, Inputs Level 2 and Level 3 [Member]
Securities, including FHLB stock	179,834,179,834	188,913
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale	23,817	15,301
Net loans and leases	669,028,665,627	572,293
Mortgage servicing rights	910	1,061
Hedging assets	19,603,282	970
Other borrowings	58,250	58,750
Junior subordinated deferrable interest debentures	12,925	12,908
Hedging liabilities	1,123,435	27
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member] | Maturity Deposits [Member]
Deposits	$ 183,971,167,454	$ 197,391

Note 9 - Stock Options (Details

Note 9 - Stock Options (Details Textual) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in shares)				33,853
Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in shares)					33,853	31,267	30,151
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price (in dollars per share)					$ 22.97	$ 23.30	$ 21.70
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested, Number of Shares (in shares)			68,317	31,718
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term (Year)			7 years 255 days
Share-based Payment Arrangement, Option [Member] | Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares)	250,000		250,000
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount	$ 263,000		$ 263,000			$ 213,000	$ 192,000
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Month)			3 years			3 years	3 years
Share-based Payment Arrangement, Expense, after Tax	$ 59,000	$ 55,000	$ 119,000	$ 111,000

Note 9 - Stock Options - Summar

Note 9 - Stock Options - Summary of Activity for Stock Options (Details) - $ / shares	6 Months Ended		12 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Outstanding, beginning of period (in shares)	117,647	93,069	93,069
Granted (in shares)		33,853
Exercised (in shares)
Forfeited (in shares)
Outstanding, end of period (in shares)	117,647	126,922	117,647
Weighted average exercise price at end of quarter (in dollars per share)	$ 21.81	$ 21.81

Note 9 - Stock Options - Schedu

Note 9 - Stock Options - Schedule of Assumptions Used In Calculating the Fair Value of Options Granted (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Weighted-average fair value of options granted (in dollars per share)	$ 7.77	$ 7.87	$ 7.35
Average dividend yield	2.26%	2.18%	2.23%
Expected volatility	40.00%	40.00%	40.00%
Risk-free interest rate	1.93%	2.81%	2.06%
Expected term (years) (Year)	7 years	7 years	7 years

Note 10 - Non-interest Income -

Note 10 - Non-interest Income - Non-interest Income (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020		Jun. 30, 2019
Gain on sale of loans (1)		$ 5,965	$ 2,186	$ 8,548	[1]	$ 3,624	[1]
Net securities gains (1)		287		287	[1]		[1]
Change in fair value of mortgage servicing rights	[1]			(309)		(282)
Increase in cash surrender value of life insurance	[1]			190		193
Wealth management				167		154
Net loan servicing fees	[1]			86		178
Other non-interest income	[1]			717		365
Total non-interest income		$ 8,121	$ 3,133	10,955		5,641
Deposit Account [Member]
Revenue from customers				566		710
Credit and Debit Card [Member]
Revenue from customers				$ 703		$ 699
[1]	Not within the scope of ASC 606

Note 11 - Subsequent Events (De

Note 11 - Subsequent Events (Details Textual) - Subsequent Event [Member]	Jul. 21, 2020$ / shares
Dividends Payable, Amount Per Share (in dollars per share)	$ 0.14
Dividends Payable, Date to be Paid	Sep. 15, 2020
Dividends Payable, Date of Record	Aug. 31, 2020