United Bancshares (UBOH) 10-Q 30 Oct 20 2020 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information	9 Months Ended
	Sep. 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)	3,271,651
Entity Shell Company	false
Document Type	10-Q
Document Period End Date	Sep. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
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	Sep. 30, 2020	Dec. 31, 2019
CASH AND CASH EQUIVALENTS
Cash and due from banks	$ 10,462	$ 9,167
Interest-bearing deposits in other banks	19,314	17,245
Total cash and cash equivalents	29,776	26,412
SECURITIES, available-for-sale	182,972	183,611
FEDERAL HOME LOAN BANK STOCK, at cost	5,598	5,302
LOANS HELD FOR SALE	32,117	15,301
LOANS AND LEASES	671,479	576,424
Less allowance for loan and lease losses	8,451	4,131
Net loans and leases	663,028	572,293
PREMISES AND EQUIPMENT, net	18,790	18,789
GOODWILL	28,616	28,616
CORE DEPOSIT INTANGIBLE ASSETS, net	680	794
CASH SURRENDER VALUE OF LIFE INSURANCE	18,896	18,613
OTHER ASSETS, including accrued interest receivable	12,908	10,283
TOTAL ASSETS	993,381	880,014
Deposits:
Non-interest-bearing	169,590	116,360
Interest-bearing	651,408	590,774
Total deposits	820,998	707,134
Other borrowings	43,000	58,750
Junior subordinated deferrable interest debentures	12,933	12,908
Other liabilities	7,041	6,441
Total liabilities	883,972	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	15,403	15,251
Retained earnings	91,490	80,629
Accumulated other comprehensive income	6,431	2,872
Treasury stock, at cost, 488,906 shares at September 30, 2020 and 492,462 shares at December 31, 2019	(7,676)	(7,732)
Total shareholders’ equity	109,409	94,781
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 993,381	$ 880,014

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares	Sep. 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)	488,906	492,462

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020		Sep. 30, 2019
INTEREST INCOME
Loans and leases, including fees	$ 9,110	$ 8,392	$ 26,106		$ 24,385
Securities:
Taxable	435	656	1,533		1,973
Tax-exempt	539	416	1,548		1,232
Other	16	131	223		461
Total interest income	10,100	9,595	29,410		28,051
INTEREST EXPENSE
Deposits	789	1,703	3,282		4,712
Other borrowings	913	621	2,020		1,888
Total interest expense	1,702	2,324	5,302		6,600
Net interest income	8,398	7,271	24,108		21,451
PROVISION FOR LOAN AND LEASE LOSSES	3,000	150	4,450		400
Net interest income after provision for loan and lease losses	5,398	7,121	19,658		21,051
NON-INTEREST INCOME
Gain on sale of loans (1)	8,484	2,785	17,032	[1]	6,409	[1]
Net securities gains (1)	1	2	288	[1]	2	[1]
Other non-interest income	2,659	1,046	4,779		3,063
Total non-interest income	11,144	3,833	22,099		9,474
NON-INTEREST EXPENSES	10,084	8,070	27,099		22,784
INCOME BEFORE INCOME TAXES	6,458	2,884	14,658		7,741
PROVISION FOR INCOME TAXES	1,208	466	2,652		1,224
NET INCOME	$ 5,250	$ 2,418	$ 12,006		$ 6,517
NET INCOME PER SHARE
Basic (in dollars per share)	$ 1.61	$ 0.74	$ 3.67		$ 1.99
Diluted (in dollars per share)	$ 1.60	$ 0.74	$ 3.67		$ 1.99
Weighted average common shares outstanding (basic) (in shares)	3,271,402	3,272,023	3,270,705		3,271,028
Weighted average common shares outstanding (diluted) (in shares)	3,274,784	3,273,189	3,274,087		3,272,194
[1]	Not within the scope of ASC 606

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Net income	$ 5,250	$ 2,418	$ 12,006	$ 6,517
OTHER COMPREHENSIVE INCOME (LOSS)
Unrealized holding gains (losses) during period	(248)	1,295	4,793	6,005
Reclassification adjustments for gains included in net income	(1)	(2)	(288)	(2)
Other comprehensive income (loss), before income taxes	(249)	1,293	4,505	6,003
Income tax expense (benefit) related to items of other comprehensive income	(52)	272	946	1,261
Other comprehensive income (loss)	(197)	1,021	3,559	4,742
COMPREHENSIVE INCOME	$ 5,053	$ 3,439	$ 15,565	$ 11,259

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			6,517			6,517
Other comprehensive income				4,742		4,742
Shares issued from treasury in connection with the Corporation's Employee Stock Purchase Plan		25			46	71
Stock option expense		188				188
Cash dividends declared			(1,277)			(1,277)
BALANCE at Sep. 30, 2019	3,761	15,173	76,910	2,978	(7,637)	91,185
BALANCE at Jun. 30, 2019	3,761	15,080	74,919	1,957	(7,663)	88,054
Net income			2,418			2,418
Other comprehensive income				1,021		1,021
Shares issued from treasury in connection with the Corporation's Employee Stock Purchase Plan		16			26	42
Stock option expense		77				77
Cash dividends declared			(427)			(427)
BALANCE at Sep. 30, 2019	3,761	15,173	76,910	2,978	(7,637)	91,185
BALANCE at Dec. 31, 2019	3,761	15,251	80,629	2,872	(7,732)	94,781
Net income			12,006			12,006
Other comprehensive income				3,559		3,559
Shares issued from treasury in connection with the Corporation's Employee Stock Purchase Plan		33			56	89
Stock option expense		119				119
Cash dividends declared			(1,145)			(1,145)
BALANCE at Sep. 30, 2020	3,761	15,403	91,490	6,431	(7,676)	109,409
BALANCE at Jun. 30, 2020	3,761	15,396	86,698	6,628	(7,689)	104,794
Net income			5,250			5,250
Other comprehensive income				(197)		(197)
Shares issued from treasury in connection with the Corporation's Employee Stock Purchase Plan		7			13	20
Stock option expense
Cash dividends declared			(458)			(458)
BALANCE at Sep. 30, 2020	$ 3,761	$ 15,403	$ 91,490	$ 6,431	$ (7,676)	$ 109,409

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Stock issued during the period, shares, Employee Stock Purchase Plans (in shares)	837	1,680	3,556	2,957
Cash dividends declared per share (in dollars per share)	$ 0.14	$ 0.13	$ 0.35	$ 0.39

Condensed Consolidated Statem_2

Condensed Consolidated Statement of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES	$ (10,662)	$ (2,330)
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from sales, calls and maturities of available-for-sale securities	44,277	34,830
Purchases of available-for-sale securities	(39,569)	(42,029)
Purchases of FHLB stock	(296)
Proceeds from sale of other real estate owned		68
Net increase in loans and leases	(86,903)	(11,252)
Purchases of premises and equipment	(510)	(495)
Net cash used in investing activities	(83,001)	(18,878)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	113,833	40,032
Repayments of other borrowings	(15,750)	(6,443)
Proceeds from sale of treasury shares	89	71
Cash dividends paid	(1,145)	(1,277)
Net cash provided by financing activities	97,027	32,383
NET INCREASE IN CASH AND CASH EQUIVALENTS	3,364	11,175
CASH AND CASH EQUIVALENTS
At beginning of period	26,412	16,475
At end of period	29,776	27,650
SUPPLEMENTAL CASH FLOW DISCLOSURES
Interest	5,525	6,652
Federal income taxes	1,450	600
Non-cash investing activities:
Change in net unrealized gain or loss on available-for-sale securities	$ 4,505	$ 6,003

Note 1 - Consolidated Financial

Note 1 - Consolidated Financial Statements	9 Months Ended
	Sep. 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 nine September 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	9 Months Ended
	Sep. 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	9 Months Ended
	Sep. 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 September 30, 2020 December 31, 2019 (in thousands) September 30, 2020 Amortized cost Gross unrealized gains Gross unrealized losses Fair value Available-for-sale: Obligations of states and political subdivisions $ 85,986 5,150 $ 166 $ 90,970 Mortgage-backed 87,805 3,140 - 90,945 Other 1,040 17 - 1,057 Total $ 174,831 $ 8,307 $ 166 $ 182,972 (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	9 Months Ended
	Sep. 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 nine September 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 919 2,977 482 72 4,450 Losses charged off (97 ) (45 ) (4 ) (19 ) (165 ) Recoveries 8 14 13 - 35 Balance at September 30, 2020 $ 1,422 $ 5,482 $ 1,430 $ 117 $ 8,451 Balance at December 31, 2018 $ 534 $ 2,355 $ 576 $ 62 $ 3,527 Provision charged to expenses 368 (6 ) 29 9 400 Losses charged off (98 ) (23 ) (31 ) (5 ) (157 ) Recoveries 32 128 23 1 184 Balance at September 30, 2019 $ 836 $ 2,454 $ 597 $ 67 $ 3,954 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 September 30, 2020 December 31, 2019 (in thousands) September 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 $ - $ 76 $ 270 $ - $ 346 Collectively evaluated for impairment 1,422 5,406 1,160 117 8,105 Total allowance for loan and lease losses $ 1,422 $ 5,482 $ 1,430 $ 117 $ 8,451 Loans and leases: Individually evaluated for impairment $ - $ 1,547 $ 788 $ - $ 2,335 Acquired with deteriorated credit quality 58 116 - - 174 Collectively evaluated for impairment 110,047 363,155 188,515 7,253 668,970 Total ending loans and leases balance $ 110,105 $ 364,818 $ 189,303 $ 7,253 $ 671,479 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 nine September 30, 2020 $2,710,000 $2,258,000 nine September 30, 2019 $346,000 September 30, 2020 $369,000 September 30, 2019 $34,000 nine September 30, 2020 $169,000 nine September 30, 2019 The following table presents the recorded investment in nonaccrual loans and leases, loans and leases past due over 90 September 30, 2020 December 31, 2019 (in thousands) September 30, 2020 Nonaccrual Loans and leases past due over 90 days still accruing Accruing Troubled Debt Restructurings Residential 1-4 family real estate $ 420 $ 39 $ 201 Commercial and multi family real estate 793 - 547 Agricultural real estate 13 - - Commercial 19 - 770 Agriculture - - - Consumer - - - Total $ 1,245 $ 39 $ 1,518 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 September 30, 2020 December 31, 2019 (in thousands) September 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 $ 886 $ 93 $ 299 $ 1,278 $ 108,827 $ 110,105 Commercial and multi family real estate 67 - 521 588 325,145 325,733 Agricultural real estate - 92 - 92 38,993 39,085 Commercial 547 - 19 566 178,643 179,209 Agriculture - - - - 10,094 10,094 Consumer 17 - - 17 7,236 7,253 Total $ 1,517 $ 185 $ 839 $ 2,541 $ 668,938 $ 671,479 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 September 30, 2020 December 31, 2019 As of September 30, 2020 December 31, 2019 (in thousands) September 30, 2020 Pass Special Mention Substandard Doubtful Not rated Residential 1 - 4 family $ 7,207 $ - $ - $ - $ 102,898 Commercial and multi- family real estate 358,171 3,894 2,711 - 42 Commercial 60,350 897 2,276 - 125,780 Consumer 122 - - - 7,131 Total $ 425,850 $ 4,791 $ 4,987 $ - $ 235,851 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 September 30, 2020 December 31, 2019 (in thousands) September 30, 2020 Residential 1-4 family Commercial and multi-family real estate Commercial Consumer Total Performing $ 102,599 $ 26 $ 125,780 $ 7,131 $ 235,536 Nonperforming 299 16 - - 315 Total $ 102,898 $ 42 $ 125,780 $ 7,131 $ 235,851 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 nine September 30, 2020 19 90 90 September 30, 2020 155 $60.8 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 (2,569 ) 82 (2,487 ) Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at September 30, 2020 $ 10,478 $ (348 ) $ 10,130 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 160 $ (134 ) $ 26 Change due to payments received (48 ) 71 23 Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at September 30, 2020 $ 112 $ (63 ) $ 49 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 (17,716 ) 449 (17,267 ) Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at September 30, 2020 $ 41,237 $ (728 ) $ 40,509 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 354 $ (192 ) $ 162 Change due to payments received (56 ) 19 (37 ) Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at September 30, 2020 $ 298 $ (173 ) $ 125 There was no nine September 30, 2020 2019 no

Note 5 - Other Borrowings

Note 5 - Other Borrowings	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Debt Disclosure [Text Block]	NOTE 5 Other borrowings consists of the following at September 30, 2020 December 31, 2019 (in thousands) September 30, December 31, 2020 2019 Federal Home Loan Bank borrowings: Secured note, with interest at 1.72%, due September, 2020 $ - $ 6,000 Secured note, with interest at 2.90%, due June, 2021 8,000 8,000 Secured note, with variable interest, at 0.49% at September 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 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. 8,000 8,750 Total other borrowings $ 43,000 $ 58,750 Federal Home Loan Bank borrowings are secured by Federal Home Loan Bank stock and eligible mortgage loans approximating $178,723,000 $186,076,000 September 30, 2020 December 31, 2019 Future maturities of other borrowings are as follows: 2020, $250,000; 2021, $30,000,000; 2022, $12,750,000. The Bank elected during the third 2020 June 2022 $450,000

Note 6 - Junior Subordinated De

Note 6 - Junior Subordinated Deferrable Interest Debentures	9 Months Ended
	Sep. 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 ng to 3.38% a September 30, 2020 5.10% December 31, 2019 not 20 The Corporation assumed $3,093,000 $3,000,000 $93,000 September 30, 2020 December 31, 2019 as $2,633,000 $2,608,000, April 23, 2034. 285 3 nting to 3.11% September 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 $405,000 $557,000 nine September 30, 2020 2019

Note 7 - Fair Value Measurement

Note 7 - Fair Value Measurements	9 Months Ended
	Sep. 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 September 30, 2020 December 31, 2019 1 2 $965,000 September 30, 2020 $1,061,000 December 31, 2019 3 September 30, 2020 $1,651,000 c $1,495,000 December 31, 2019 There were no September 30, 2020 September 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 nine September 30, 2020 December 31, 2019 (in thousands) September 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 544 192 Disposals - amortization based on loan payments and payoffs (253 ) (186 ) Changes in fair value (387 ) (258 ) Balance at end of period $ 965 $ 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 September 30, 2020 December 31, 2019

Note 8 - Fair Value of Financia

Note 8 - Fair Value of Financial Instruments	9 Months Ended
	Sep. 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 September 30, 2020 December 31, 2019 (in thousands) September 30, 2020 December 31, 2019 Carrying amount Estimated value Carrying amount Estimated value Input Level FINANCIAL ASSETS Cash and cash equivalents $ 29,776 $ 29,776 $ 26,412 $ 26,412 1 Securities, including FHLB stock 188,570 188,570 188,913 188,913 2,3 Loans held for sale 32,117 32,117 15,301 15,301 3 Net loans and leases 663,028 664,241 572,293 572,936 3 Mortgage servicing rights 965 965 1,061 1,061 3 Derivative assets 5,961 5,961 970 970 3 Total Financial Assets $ 920,417 $ 921,630 $ 804,950 $ 805,593 FINANCIAL LIABILITIES Deposits Maturity $ 158,480 $ 159,716 $ 197,391 $ 197,428 3 Non-maturity 662,518 662,518 509,743 509,743 1 Other borrowings 43,000 43,221 58,750 58,692 3 Junior subordinated deferrable interest debentures 12,933 9,037 12,908 11,067 3 Derivative liabilities 377 377 27 27 3 Total Financial Liabilities $ 877,308 $ 874,869 $ 778,819 $ 776,957 The above summary does not There are also unrecognized financial instruments at September 30, 2020 December 31, 2019 $155,454,000 September 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 Derivative assets and liabilities: The fair value of derivative assets and liabilities are evaluated monthly based on derivative valuation models using quoted prices for similar assets adjusted for specific attributes of the commitments and other observable market data at the valuation date. 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	9 Months Ended
	Sep. 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 33,853 2019 $22.97, 63,858 2020 $16.77 nine September 30, 2020 September 30, 2019 September 30, September 30, 2020 2019 Outstanding, beginning of period 117,647 93,069 Granted 63,858 33,853 Exercised - - Forfeited (20,733 ) - Outstanding, end of period 160,772 126,922 Weighted average exercise price at end of quarter $ 19.82 $ 21.81 Options vest over a three September 30, 2020 71,224 51,624 September 30, 2019 8.4 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: 2020 2019 2018 2017 Weighted-average fair value of options granted $ 4.83 $ 7.77 $ 7.87 $ 7.35 Average dividend yield 2.93 % 2.26 % 2.18 % 2.23 % Expected volatility 40.00 % 40.00 % 40.00 % 40.00 % Risk-free interest rate 0.49 % 1.93 % 2.81 % 2.06 % Expected term (years) 7 7 7 7 Total compensation expense related to the stock options granted in 2019 $183,000 36 July 1, 2019. 2020 $308,000 36 July 1, 2020. $119,000 nine September 30, 2020 $77,000 $188,000 quarter and nine September 30, 2019 No September 30, 2020

Note 10 - Non-interest Income

Note 10 - Non-interest Income	9 Months Ended
	Sep. 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 nine September 30, 2020 2019 606 Nine Months ended September 30, 2020 2019 Service charges on deposit accounts $ 827 $ 1,110 Gain on sale of loans (1) 17,032 6,409 Net securities gains (1) 288 2 Change in fair value of mortgage servicing rights (1) (387 ) (295 ) Increase in cash surrender value of life insurance (1) 283 292 Other Credit and debit card interchange fees 1,113 1,086 Wealth management 237 229 Net loan servicing fees (1) 171 255 Other non-interest income 2,535 386 Total non-interest income $ 22,099 $ 9,474 ( 1 Not 606

Note 11 - Subsequent Events

Note 11 - Subsequent Events	9 Months Ended
	Sep. 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 September 30, 2020 September 30, 2020 September 30, 2020 not September 30, 2020 not September 30, 2020 O n October 20, 2020, $0.16 December 15, 2020 November 30, 2020

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 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)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	(in thousands) September 30, 2020 Amortized cost Gross unrealized gains Gross unrealized losses Fair value Available-for-sale: Obligations of states and political subdivisions $ 85,986 5,150 $ 166 $ 90,970 Mortgage-backed 87,805 3,140 - 90,945 Other 1,040 17 - 1,057 Total $ 174,831 $ 8,307 $ 166 $ 182,972 (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)	9 Months Ended
	Sep. 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 919 2,977 482 72 4,450 Losses charged off (97 ) (45 ) (4 ) (19 ) (165 ) Recoveries 8 14 13 - 35 Balance at September 30, 2020 $ 1,422 $ 5,482 $ 1,430 $ 117 $ 8,451 Balance at December 31, 2018 $ 534 $ 2,355 $ 576 $ 62 $ 3,527 Provision charged to expenses 368 (6 ) 29 9 400 Losses charged off (98 ) (23 ) (31 ) (5 ) (157 ) Recoveries 32 128 23 1 184 Balance at September 30, 2019 $ 836 $ 2,454 $ 597 $ 67 $ 3,954
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	(in thousands) September 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 $ - $ 76 $ 270 $ - $ 346 Collectively evaluated for impairment 1,422 5,406 1,160 117 8,105 Total allowance for loan and lease losses $ 1,422 $ 5,482 $ 1,430 $ 117 $ 8,451 Loans and leases: Individually evaluated for impairment $ - $ 1,547 $ 788 $ - $ 2,335 Acquired with deteriorated credit quality 58 116 - - 174 Collectively evaluated for impairment 110,047 363,155 188,515 7,253 668,970 Total ending loans and leases balance $ 110,105 $ 364,818 $ 189,303 $ 7,253 $ 671,479 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) September 30, 2020 Nonaccrual Loans and leases past due over 90 days still accruing Accruing Troubled Debt Restructurings Residential 1-4 family real estate $ 420 $ 39 $ 201 Commercial and multi family real estate 793 - 547 Agricultural real estate 13 - - Commercial 19 - 770 Agriculture - - - Consumer - - - Total $ 1,245 $ 39 $ 1,518 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) September 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 $ 886 $ 93 $ 299 $ 1,278 $ 108,827 $ 110,105 Commercial and multi family real estate 67 - 521 588 325,145 325,733 Agricultural real estate - 92 - 92 38,993 39,085 Commercial 547 - 19 566 178,643 179,209 Agriculture - - - - 10,094 10,094 Consumer 17 - - 17 7,236 7,253 Total $ 1,517 $ 185 $ 839 $ 2,541 $ 668,938 $ 671,479 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) September 30, 2020 Pass Special Mention Substandard Doubtful Not rated Residential 1 - 4 family $ 7,207 $ - $ - $ - $ 102,898 Commercial and multi- family real estate 358,171 3,894 2,711 - 42 Commercial 60,350 897 2,276 - 125,780 Consumer 122 - - - 7,131 Total $ 425,850 $ 4,791 $ 4,987 $ - $ 235,851 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) September 30, 2020 Residential 1-4 family Commercial and multi-family real estate Commercial Consumer Total Performing $ 102,599 $ 26 $ 125,780 $ 7,131 $ 235,536 Nonperforming 299 16 - - 315 Total $ 102,898 $ 42 $ 125,780 $ 7,131 $ 235,851 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 (2,569 ) 82 (2,487 ) Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at September 30, 2020 $ 10,478 $ (348 ) $ 10,130 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 160 $ (134 ) $ 26 Change due to payments received (48 ) 71 23 Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at September 30, 2020 $ 112 $ (63 ) $ 49 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 (17,716 ) 449 (17,267 ) Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at September 30, 2020 $ 41,237 $ (728 ) $ 40,509 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 354 $ (192 ) $ 162 Change due to payments received (56 ) 19 (37 ) Transfer to foreclosed real estate - - - Change due to loan charge-off - - - Balance at September 30, 2020 $ 298 $ (173 ) $ 125

Note 5 - Other Borrowings (Tabl

Note 5 - Other Borrowings (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Debt [Table Text Block]	(in thousands) September 30, December 31, 2020 2019 Federal Home Loan Bank borrowings: Secured note, with interest at 1.72%, due September, 2020 $ - $ 6,000 Secured note, with interest at 2.90%, due June, 2021 8,000 8,000 Secured note, with variable interest, at 0.49% at September 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 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. 8,000 8,750 Total other borrowings $ 43,000 $ 58,750

Note 7 - Fair Value Measureme_2

Note 7 - Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	(in thousands) September 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 544 192 Disposals - amortization based on loan payments and payoffs (253 ) (186 ) Changes in fair value (387 ) (258 ) Balance at end of period $ 965 $ 1,061

Note 8 - Fair Value of Financ_2

Note 8 - Fair Value of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	(in thousands) September 30, 2020 December 31, 2019 Carrying amount Estimated value Carrying amount Estimated value Input Level FINANCIAL ASSETS Cash and cash equivalents $ 29,776 $ 29,776 $ 26,412 $ 26,412 1 Securities, including FHLB stock 188,570 188,570 188,913 188,913 2,3 Loans held for sale 32,117 32,117 15,301 15,301 3 Net loans and leases 663,028 664,241 572,293 572,936 3 Mortgage servicing rights 965 965 1,061 1,061 3 Derivative assets 5,961 5,961 970 970 3 Total Financial Assets $ 920,417 $ 921,630 $ 804,950 $ 805,593 FINANCIAL LIABILITIES Deposits Maturity $ 158,480 $ 159,716 $ 197,391 $ 197,428 3 Non-maturity 662,518 662,518 509,743 509,743 1 Other borrowings 43,000 43,221 58,750 58,692 3 Junior subordinated deferrable interest debentures 12,933 9,037 12,908 11,067 3 Derivative liabilities 377 377 27 27 3 Total Financial Liabilities $ 877,308 $ 874,869 $ 778,819 $ 776,957

Note 9 - Stock Options (Tables)

Note 9 - Stock Options (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Share-based Payment Arrangement, Option, Activity [Table Text Block]	September 30, September 30, 2020 2019 Outstanding, beginning of period 117,647 93,069 Granted 63,858 33,853 Exercised - - Forfeited (20,733 ) - Outstanding, end of period 160,772 126,922 Weighted average exercise price at end of quarter $ 19.82 $ 21.81
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]	2020 2019 2018 2017 Weighted-average fair value of options granted $ 4.83 $ 7.77 $ 7.87 $ 7.35 Average dividend yield 2.93 % 2.26 % 2.18 % 2.23 % Expected volatility 40.00 % 40.00 % 40.00 % 40.00 % Risk-free interest rate 0.49 % 1.93 % 2.81 % 2.06 % Expected term (years) 7 7 7 7

Note 10 - Non-interest Income (

Note 10 - Non-interest Income (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Noninterest Income [Table Text Block]	Nine Months ended September 30, 2020 2019 Service charges on deposit accounts $ 827 $ 1,110 Gain on sale of loans (1) 17,032 6,409 Net securities gains (1) 288 2 Change in fair value of mortgage servicing rights (1) (387 ) (295 ) Increase in cash surrender value of life insurance (1) 283 292 Other Credit and debit card interchange fees 1,113 1,086 Wealth management 237 229 Net loan servicing fees (1) 171 255 Other non-interest income 2,535 386 Total non-interest income $ 22,099 $ 9,474

Note 3 - Securities - Amortized

Note 3 - Securities - Amortized Cost and Fair Value of Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale securities, Amortized cost	$ 174,831	$ 179,975
Available-for-sale securities, Gross unrealized gains	8,307	3,885
Available-for-sale securities, Gross unrealized losses	166	249
Available-for-sale securities, Fair Value	182,972	183,611
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, Amortized cost	85,986	70,043
Available-for-sale securities, Gross unrealized gains	5,150	2,593
Available-for-sale securities, Gross unrealized losses	166	82
Available-for-sale securities, Fair Value	90,970	72,554
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, Amortized cost	87,805	108,907
Available-for-sale securities, Gross unrealized gains	3,140	1,292
Available-for-sale securities, Gross unrealized losses		158
Available-for-sale securities, Fair Value	90,945	110,041
Other Debt Obligations [Member]
Available-for-sale securities, Amortized cost	1,040	1,025
Available-for-sale securities, Gross unrealized gains	17
Available-for-sale securities, Gross unrealized losses		9
Available-for-sale securities, Fair Value	$ 1,057	$ 1,016

Note 4 - Loans and Leases (Deta

Note 4 - Loans and Leases (Details Textual)	9 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)
Impaired Financing Receivable, Average Recorded Investment, Total	$ 2,710,000	$ 2,258,000
Impaired Financing Receivable, Related Allowance	346,000	369,000
Impaired Financing Receivable, Interest Income, Accrual Method, Total	$ 34,000	169,000
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0
Provision for Loan and Lease Losses, Total	$ 4,450,000	400,000
Ohio State Bancshares Inc [Member]
Provision for Loan and Lease Losses, Total	$ 0	$ 0
COVID 19 [Member]
Financing Receivable, Number of Payment Deferrals	155
Financing Receivable, Deferred Payments	$ 60,800,000

Note 4 - Loans and Leases - Act

Note 4 - Loans and Leases - Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Allowance for loan and lease losses beginning balance	$ 4,131	$ 3,527
Provision charged to expenses	4,450	400
Losses charged off	(165)	(157)
Recoveries	35	184
Allowance for loan and lease losses ending balance	8,451	3,954
Commercial and Agriculture Portfolio Segment [Member]
Allowance for loan and lease losses beginning balance	592	534
Provision charged to expenses	919	368
Losses charged off	(97)	(98)
Recoveries	8	32
Allowance for loan and lease losses ending balance	1,422	836
Commercial and Agricultural Real Estate Portfolio Segment [Member]
Allowance for loan and lease losses beginning balance	2,536	2,355
Provision charged to expenses	2,977	(6)
Losses charged off	(45)	(23)
Recoveries	14	128
Allowance for loan and lease losses ending balance	5,482	2,454
Residential 1 - 4 Family Real Estate [Member]
Allowance for loan and lease losses beginning balance	939	576
Provision charged to expenses	482	29
Losses charged off	(4)	(31)
Recoveries	13	23
Allowance for loan and lease losses ending balance	1,430	597
Consumer Portfolio Segment [Member]
Allowance for loan and lease losses beginning balance	64	62
Provision charged to expenses	72	9
Losses charged off	(19)	(5)
Recoveries		1
Allowance for loan and lease losses ending balance	$ 117	$ 67

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	Sep. 30, 2020	Dec. 31, 2019
Attributable to loans and leases individually evaluated for impairment	$ 346	$ 435
Collectively evaluated for impairment	8,105	3,696
Total allowance for loan and lease losses	8,451	4,131
Individually evaluated for impairment	2,335	2,778
Acquired with deteriorated credit quality	235,851	121,929
Collectively evaluated for impairment	668,970	573,458
Loans receivable	671,479	576,424
Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality	174	188
Residential 1 - 4 Family Real Estate [Member]
Attributable to loans and leases individually evaluated for impairment
Collectively evaluated for impairment	1,422	592
Total allowance for loan and lease losses	1,422	592
Individually evaluated for impairment
Collectively evaluated for impairment	110,047	122,844
Loans receivable	110,105	122,905
Residential 1 - 4 Family Real Estate [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality	58	61
Commercial and Agricultural Real Estate Portfolio Segment [Member]
Attributable to loans and leases individually evaluated for impairment	76	93
Collectively evaluated for impairment	5,406	2,443
Total allowance for loan and lease losses	5,482	2,536
Individually evaluated for impairment	1,547	1,499
Collectively evaluated for impairment	363,155	365,988
Loans receivable	364,818	367,614
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality	116	127
Commercial and Agriculture Portfolio Segment [Member]
Attributable to loans and leases individually evaluated for impairment	270	342
Collectively evaluated for impairment	1,160	597
Total allowance for loan and lease losses	1,430	939
Individually evaluated for impairment	788	1,279
Collectively evaluated for impairment	188,515	76,379
Loans receivable	189,303	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	117	64
Total allowance for loan and lease losses	117	64
Individually evaluated for impairment
Acquired with deteriorated credit quality	7,131	8,202
Collectively evaluated for impairment	7,253	8,247
Loans receivable	7,253	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	Sep. 30, 2020	Dec. 31, 2019
Recorded investment, nonaccrual	$ 1,245	$ 963
Loans and leases past due over 90 days still accruing	39	138
Troubled debt restructurings	1,518	1,618
Residential 1 - 4 Family Real Estate [Member]
Recorded investment, nonaccrual	420	414
Loans and leases past due over 90 days still accruing	39	138
Troubled debt restructurings	201	223
Commercial Real Estate Portfolio Segment [Member]
Recorded investment, nonaccrual	793	545
Loans and leases past due over 90 days still accruing
Troubled debt restructurings	547	623
Agricultural Real Estate [Member]
Recorded investment, nonaccrual	13	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	770	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	Sep. 30, 2020	Dec. 31, 2019
Past due	$ 2,541	$ 3,688
Loans and leases not past due	668,938	572,736
Total loans and leases balance	671,479	576,424
Financial Asset, 30 to 59 Days Past Due [Member]
Past due	1,517	2,888
Financial Asset, 60 to 89 Days Past Due [Member]
Past due	185	458
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due	839	342
Residential 1 - 4 Family Real Estate [Member]
Past due	1,278	3,130
Loans and leases not past due	108,827	119,775
Total loans and leases balance	110,105	122,905
Residential 1 - 4 Family Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	886	2,709
Residential 1 - 4 Family Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Past due	93	99
Residential 1 - 4 Family Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due	299	322
Commercial and Multi-Family Real Estate [Member]
Past due	588	494
Loans and leases not past due	325,145	332,161
Total loans and leases balance	325,733	332,655
Commercial and Multi-Family Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	67	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	521	15
Agriculture [Member]
Past due
Loans and leases not past due	10,094	9,770
Total loans and leases balance	10,094	9,770
Agriculture [Member] | Real Estate Loan [Member]
Past due	92
Loans and leases not past due	38,993	34,959
Total loans and leases balance	39,085	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	92
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
Commercial Portfolio Segment [Member]
Past due	566	62
Loans and leases not past due	178,643	67,826
Total loans and leases balance	179,209	67,888
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	547
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	17	2
Loans and leases not past due	7,236	8,245
Total loans and leases balance	7,253	8,247
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	17	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	Sep. 30, 2020	Dec. 31, 2019
Loans receivable	$ 671,479	$ 576,424
Pass [Member]
Loans receivable	425,850	447,342
Special Mention [Member]
Loans receivable	4,791	2,207
Substandard [Member]
Loans receivable	4,987	4,946
Doubtful [Member]
Loans receivable
Not Rated [Member]
Loans receivable	235,851	121,929
Residential 1 - 4 Family Real Estate [Member]
Loans receivable	110,105	122,905
Residential 1 - 4 Family Real Estate [Member] | Pass [Member]
Loans receivable	7,207	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	102,898	113,686
Commercial and Agricultural Real Estate Portfolio Segment [Member]
Loans receivable	364,818	367,614
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Pass [Member]
Loans receivable	358,171
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Special Mention [Member]
Loans receivable	3,894
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Substandard [Member]
Loans receivable	2,711
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	42
Commercial and Agriculture Loans [Member] | Pass [Member]
Loans receivable	60,350
Commercial and Agriculture Loans [Member] | Special Mention [Member]
Loans receivable	897
Commercial and Agriculture Loans [Member] | Substandard [Member]
Loans receivable	2,276
Commercial and Agriculture Loans [Member] | Doubtful [Member]
Loans receivable
Commercial and Agriculture Loans [Member] | Not Rated [Member]
Loans receivable	125,780
Consumer Portfolio Segment [Member]
Loans receivable	7,253	8,247
Consumer Portfolio Segment [Member] | Pass [Member]
Loans receivable	122	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	7,131	8,202
Commercial and Multi-Family Real Estate [Member]
Loans receivable	325,733	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	$ 179,209	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	Sep. 30, 2020	Dec. 31, 2019
Loans receivable	$ 235,851	$ 121,929
Residential Portfolio Segment [Member]
Loans receivable	102,898	113,686
Commercial and Multi-Family Real Estate [Member]
Loans receivable	42	40
Commercial Portfolio Segment [Member]
Loans receivable	125,780	1
Consumer Portfolio Segment [Member]
Loans receivable	7,131	8,202
Performing Financial Instruments [Member]
Loans receivable	235,536	121,590
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	102,599	113,364
Performing Financial Instruments [Member] | Commercial and Multi-Family Real Estate [Member]
Loans receivable	26	24
Performing Financial Instruments [Member] | Commercial Portfolio Segment [Member]
Loans receivable	125,780
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member]
Loans receivable	7,131	8,202
Nonperforming Financial Instruments [Member]
Loans receivable	315	339
Nonperforming Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	299	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
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	9 Months Ended
	Sep. 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	(2,569)
Accretable difference, change due to payments received	82
Carrying amount, change due to payments received	(2,487)
Contractual principal receivable, ending balance	10,478
Accretable difference, ending balance	(348)
Carrying amount, ending balance	10,130
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	(48)
Accretable difference, change due to payments received	71
Carrying amount, change due to payments received	23
Contractual principal receivable, ending balance	112
Accretable difference, ending balance	(63)
Carrying amount, ending balance	49
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	(17,716)
Accretable difference, change due to payments received	449
Carrying amount, change due to payments received	(17,267)
Contractual principal receivable, ending balance	41,237
Accretable difference, ending balance	(728)
Carrying amount, ending balance	40,509
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	(56)
Accretable difference, change due to payments received	19
Carrying amount, change due to payments received	(37)
Contractual principal receivable, ending balance	298
Accretable difference, ending balance	(173)
Carrying amount, ending balance	$ 125

Note 5 - Other Borrowings (Deta

Note 5 - Other Borrowings (Details Textual) - USD ($)	3 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Loans Pledged as Collateral	$ 178,723,000	$ 186,076,000
Long-Term Debt, Maturity, Remainder of Fiscal Year	250,000
Long-Term Debt, Maturity, Year One	30,000,000
Long-Term Debt, Maturity, Year Two	12,750,000
Secured Notes With Interest At 2.98% [Member]
Prepayment Penalty Expense	$ 450,000

Note 5 - Other Borrowings - Com

Note 5 - Other Borrowings - Composition of Other Borrowings (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Other Borrowings	$ 43,000	$ 58,750
Secured Notes With Interest At 1.72% [Member]
Federal Home Loan Bank		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
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	$ 8,000	$ 8,750

Note 5 - Other Borrowings - C_2

Note 5 - Other Borrowings - Composition of Other Borrowings (Details) (Parentheticals) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 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	0.49%	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)	9 Months Ended	12 Months Ended
	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
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	$ 12,933,000	$ 12,908,000
Subordinated Borrowing, Interest Rate	3.38%	5.10%
Subordinated Debenture, Default, Interest Payment Deferment Quarterly Periods	20
Other Long-term Debt, Total	$ 2,633,000	$ 2,608,000
Interest Expense, Debt, Total	$ 405,000	$ 557,000
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	3.11%	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)	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Financial Liabilities Fair Value Disclosure, Total	$ 874,869,000	$ 776,957,000
Assets, Fair Value Disclosure	$ 921,630,000	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	$ 1,651,000	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	$ 965,000	$ 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	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Balance at beginning of period	$ 1,061	$ 1,313
Purchases, issuances, and settlements	544	192
Disposals - amortization based on loan payments and payoffs	(253)	(186)
Changes in fair value	(387)	(258)
Balance at end of period	$ 965	$ 1,061

Note 8 - Fair Value of Financ_3

Note 8 - Fair Value of Financial Instruments (Details Textual) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Commitments to Extend Credit [Member]
Other Commitment, Total	$ 155,454,000	$ 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	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Total Financial Assets	$ 921,630	$ 805,593
Total Financial Liabilities	874,869	776,957
Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	29,776	26,412
Fair Value, Inputs, Level 1 [Member] | Non-Maturity Deposits [Member]
Deposits	662,518	509,743
Fair Value, Inputs Level 2 and Level 3 [Member]
Securities, including FHLB stock	188,570	188,913
Fair Value, Inputs, Level 3 [Member]
Loans held for sale	32,117	15,301
Net loans and leases	664,241	572,936
Mortgage servicing rights	965	1,061	$ 1,313
Derivative assets	5,961	970
Other borrowings	43,221	58,692
Junior subordinated deferrable interest debentures	9,037	11,067
Derivative liabilities	377	27
Fair Value, Inputs, Level 3 [Member] | Maturity Deposits [Member]
Deposits	159,716	197,428
Reported Value Measurement [Member]
Total Financial Assets	920,417	804,950
Total Financial Liabilities	877,308	778,819
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	29,776	26,412
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member] | Non-Maturity Deposits [Member]
Deposits	662,518	509,743
Reported Value Measurement [Member] | Fair Value, Inputs Level 2 and Level 3 [Member]
Securities, including FHLB stock	188,570	188,913
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale	32,117	15,301
Net loans and leases	663,028	572,293
Mortgage servicing rights	965	1,061
Derivative assets	5,961	970
Other borrowings	43,000	58,750
Junior subordinated deferrable interest debentures	12,933	12,908
Derivative liabilities	377	27
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member] | Maturity Deposits [Member]
Deposits	$ 158,480	$ 197,391

Note 9 - Stock Options (Details

Note 9 - Stock Options (Details Textual) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Dec. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in shares)			63,858	33,853
Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in shares)			63,858		33,853
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price (in dollars per share)			$ 16.77		$ 22.97
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested, Number of Shares (in shares)			71,224	51,624
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term (Year)			8 years 146 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					$ 183,000
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Month)			36 years	3 years
Share-based Payment Arrangement, Expense, after Tax	$ 0	$ 77,000	$ 119,000	$ 188,000
Share-based Payment Arrangement, Option [Member] | Stock Option Plan [Member] | Forecast [Member]
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount						$ 308,000

Note 9 - Stock Options - Summar

Note 9 - Stock Options - Summary of Activity for Stock Options (Details) - $ / shares	9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Outstanding, beginning of period (in shares)	117,647	93,069	93,069
Granted (in shares)	63,858	33,853
Exercised (in shares)
Forfeited (in shares)	(20,733)
Outstanding, end of period (in shares)	160,772	126,922	117,647
Weighted average exercise price at end of quarter (in dollars per share)	$ 19.82	$ 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	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Weighted-average fair value of options granted (in dollars per share)	$ 4.83	$ 7.77	$ 7.87	$ 7.35
Average dividend yield	2.93%	2.26%	2.18%	2.23%
Expected volatility	40.00%	40.00%	40.00%	40.00%
Risk-free interest rate	0.49%	1.93%	2.81%	2.06%
Expected term (years) (Year)	7 years	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		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020		Sep. 30, 2019
Gain on sale of loans (1)		$ 8,484	$ 2,785	$ 17,032	[1]	$ 6,409	[1]
Net securities gains (1)		1	2	288	[1]	2	[1]
Change in fair value of mortgage servicing rights	[1]			(387)		(295)
Increase in cash surrender value of life insurance	[1]			283		292
Wealth management				237		229
Net loan servicing fees	[1]			171		255
Other non-interest income	[1]			2,535		386
Total non-interest income		$ 11,144	$ 3,833	22,099		9,474
Deposit Account [Member]
Revenue from customers				827		1,110
Credit and Debit Card [Member]
Revenue from customers				$ 1,113		$ 1,086
[1]	Not within the scope of ASC 606

Note 11 - Subsequent Events (De

Note 11 - Subsequent Events (Details Textual) - Subsequent Event [Member]	Oct. 20, 2020$ / shares
Dividends Payable, Amount Per Share (in dollars per share)	$ 0.16
Dividends Payable, Date to be Paid	Dec. 15, 2020
Dividends Payable, Date of Record	Nov. 30, 2020