United Bancshares (UBOH) 10-K 5 Mar 21 2020 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2020	Jan. 31, 2021	Jun. 30, 2020
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 Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		3,278,508
Entity Public Float			$ 54,834,228
Entity Shell Company	false
Document Type	10-K
Document Period End Date	Dec. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Amendment Flag	false
Title of 12(b) Security	Common Stock, No Par Value

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Dec. 31, 2020	Dec. 31, 2019
CASH AND CASH EQUIVALENTS
Cash and due from banks	$ 10,446,000	$ 9,167,000
Interest-bearing deposits in other banks	46,588,000	17,245,000
Total cash and cash equivalents	57,034,000	26,412,000
SECURITIES, available-for-sale	194,580,000	183,611,000
FEDERAL HOME LOAN BANK STOCK, at cost	5,598,000	5,302,000
LOANS HELD FOR SALE	18,427,000	15,301,000
LOANS AND LEASES	634,103,000	576,424,000
Less allowance for loan and lease losses	9,994,000	4,131,000
Net loans and leases	624,109,000	572,293,000
PREMISES AND EQUIPMENT, net	19,341,000	18,789,000
GOODWILL	28,616,000	28,616,000
CORE DEPOSIT INTANGIBLE ASSETS, net	643,000	794,000
CASH SURRENDER VALUE OF LIFE INSURANCE	18,981,000	18,613,000
OTHER ASSETS, including accrued interest receivable	11,203,000	10,283,000
TOTAL ASSETS	978,532,000	880,014,000
Deposits:
Non-interest bearing	185,915,000	116,360,000
Interest-bearing	652,463,000	590,774,000
Total deposits	838,378,000	707,134,000
Other borrowings	7,750,000	58,750,000
Junior subordinated deferrable interest debentures	12,942,000	12,908,000
Other liabilities	7,863,000	6,441,000
Total liabilities	866,933,000	785,233,000
SHAREHOLDERS’ EQUITY
Common stock, stated value $1.00, authorized 10,000,000 shares; issued 3,760,557 shares	3,761,000	3,761,000
Surplus	15,438,000	15,251,000
Retained earnings	92,716,000	80,629,000
Accumulated other comprehensive income	7,355,000	2,872,000
Treasury stock, at cost, 488,573 shares at December 31, 2020 and 492,462 shares at December 31, 2019	(7,671,000)	(7,732,000)
Total shareholders’ equity	111,599,000	94,781,000
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 978,532,000	$ 880,014,000

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - $ / shares	Dec. 31, 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)	488,573	492,462

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
INTEREST INCOME
Loans and leases, including fees		$ 35,696	$ 32,867	$ 29,722
Securities:
Taxable		1,938	2,601	2,573
Tax-exempt		2,137	1,704	1,557
Other		259	647	513
Total interest income		40,030	37,819	34,365
INTEREST EXPENSE
Deposits		3,998	6,440	3,849
Borrowings		2,990	2,484	2,309
Total interest expense		6,988	8,924	6,158
Net interest income		33,042	28,895	28,207
PROVISION FOR LOAN AND LEASE LOSSES		6,200	550	450
Net interest income after provision for loan and lease losses		26,842	28,345	27,757
NON-INTEREST INCOME
Service charges on deposit accounts		1,102	1,486	1,610
Gain on sale of loans	[1]	24,139	9,071	4,675
Net securities gains (losses)	[1]	289	4	(6)
Change in fair value of mortgage servicing rights	[1]	(293)	(258)	26
Increase in cash surrender value of life insurance	[1]	368	390	395
Other operating income		1,395	4,355	2,728
Total non-interest income		27,000	15,048	9,428
NON-INTEREST EXPENSES
Salaries, wages and employee benefits		22,127	18,665	15,903
Occupancy expenses		3,630	3,174	3,155
Other operating expenses		11,408	9,278	8,378
Total non-interest expenses		37,165	31,117	27,436
Income before income taxes		16,677	12,276	9,749
PROVISION FOR INCOME TAXES		2,922	1,615	1,529
NET INCOME		$ 13,755	$ 10,661	$ 8,220
NET INCOME PER SHARE BASIC (in dollars per share)		$ 4.21	$ 3.26	$ 2.51
NET INCOME PER SHARE DILUTED (in dollars per share)		$ 4.16	$ 3.25	$ 2.51
[1]	Not within the scope of ASC 606

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Net income	$ 13,755	$ 10,661	$ 8,220
OTHER COMPREHENSIVE INCOME (LOSS)
Unrealized holding gains (losses) during period	5,964	5,873	(2,051)
Reclassification adjustments for losses (gains) included in net income	(289)	(4)	6
Other comprehensive income (loss), before income taxes	5,675	5,869	(2,045)
Income tax expense (benefit) related to items of other comprehensive income (loss)	1,192	1,233	(429)
Other comprehensive income (loss)	4,483	4,636	(1,616)
COMPREHENSIVE INCOME	$ 18,238	$ 15,297	$ 6,604

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity - 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, 2017	$ 3,761	$ 14,783	$ 64,994	$ (124)	$ (7,710)	$ 75,704
Net income			8,220			8,220
Other comprehensive income (loss)				(1,616)		(1,616)
Reclassification for accounting change			24	(24)
Sale of treasury shares		12			27	39
Stock option expense		165				165
Cash dividends declared			(1,568)			(1,568)
BALANCE at Dec. 31, 2018	3,761	14,960	71,670	(1,764)	(7,683)	80,944
Net income			10,661			10,661
Other comprehensive income (loss)				4,636		4,636
Sale of treasury shares		25			46	71
Stock option expense		266				266
Cash dividends declared			(1,702)			(1,702)
Repurchase of 4,220 shares					(95)	(95)
BALANCE at Dec. 31, 2019	3,761	15,251	80,629	2,872	(7,732)	94,781
Net income			13,755			13,755
Other comprehensive income (loss)				4,483		4,483
Sale of treasury shares		34			61	95
Stock option expense		164				164
Cash dividends declared			(1,668)			(1,668)
Shares cancelled under stock option plan		(11)				(11)
BALANCE at Dec. 31, 2020	$ 3,761	$ 15,438	$ 92,716	$ 7,355	$ (7,671)	$ 111,599

Consolidated Statements of Sh_2

Consolidated Statements of Shareholders' Equity (Parentheticals) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Shares of treasury stock sold (in shares)	3,889	2,957	1,715
Cash dividends declared per share (in dollars per share)	$ 0.51	$ 0.52	$ 0.48
Repurchase of shares (in shares)	0	4,220	0

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($)		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Net income		$ 13,755,000	$ 10,661,000	$ 8,220,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization		1,499,000	1,240,000	1,052,000
Purchase accounting loan discount accretion		(720,000)	(670,000)	(1,233,000)
Deferred income taxes		(789,000)	529,000	1,740,000
Provision for loan losses		6,200,000	550,000	450,000
Gain on sale of loans	[1]	(24,139,000)	(9,071,000)	(4,675,000)
Net securities losses (gains)	[1]	(289,000)	(4,000)	6,000
Change in fair value of mortgage servicing rights	[1]	293,000	258,000	(26,000)
Loss on sale or write-down of other real estate owned			40,000	59,000
Increase in cash surrender value of life insurance		(368,000)	(390,000)	(395,000)
Net amortization of security premiums and discounts		954,000	921,000	792,000
Stock option expense		164,000	266,000	165,000
Deferred compensation expense		251,000	210,000	138,000
Proceeds from sale of loans held for sale		657,116,000	281,269,000	175,288,000
Originations of loans held for sale		(636,792,000)	(279,986,000)	(176,098,000)
Increase in other assets		(1,248,000)	(1,259,000)	(944,000)
Increase (decrease) in other liabilities		1,330,000	(941,000)	610,000
Net cash provided by operating activities		17,217,000	3,623,000	5,149,000
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from sales of available-for-sale securities		15,538,000	15,985,000	21,282,000
Proceeds from maturities of available-for-sale securities, including paydowns on mortgage-backed securities		41,639,000	26,724,000	16,056,000
Purchases of available-for-sale securities		(63,136,000)	(54,014,000)	(38,107,000)
Purchases of FHLB stock		(296,000)
Acquisition of Benchmark Bancorp, Inc.				(3,413,000)
Proceeds from sale of other real estate owned			68,000	62,000
Net increase in loans and leases		(57,296,000)	(14,086,000)	(53,797,000)
Purchases of premises and equipment		(1,580,000)	(753,000)	(525,000)
Net cash used in investing activities		(65,131,000)	(26,076,000)	(58,442,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits		131,285,000	40,969,000	35,883,000
Proceeds from other borrowings				30,693,000
Principal payments on other borrowings		(51,000,000)	(6,693,000)	(22,398,000)
Purchase of treasury stock			(95,000)
Proceeds from sale of treasury shares		95,000	71,000	39,000
Payments of deferred compensation		(165,000)	(160,000)	(155,000)
Cash paid for cancellation of stock options		(11,000)
Cash dividends paid		(1,668,000)	(1,702,000)	(1,568,000)
Net cash provided by financing activities		78,536,000	32,390,000	42,494,000
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS		30,622,000	9,937,000	(10,799,000)
Cash at beginning of the year		26,412,000	16,475,000	27,274,000
Cash at end of the year		57,034,000	26,412,000	16,475,000
SUPPLEMENTAL CASH FLOW DISCLOSURES
Interest		7,299,000	8,986,000	6,131,000
Federal income taxes		4,050,000	700,000	3,259,000
Change in deferred income taxes on net unrealized gain or loss on available-for-sale securities		(1,192,000)	(1,233,000)	429,000
Non-cash investing activities:
Transfer of loans to other real estate owned				70,000
Recognition of right-of-use lease asset (other assets) and lease liability (other liabilities)		7,000	2,112,000
Change in net unrealized gain or loss on available-for-sale securities		$ 5,675,000	$ 5,869,000	$ (2,045,000)
[1]	Not within the scope of ASC 606

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Significant Accounting Policies [Text Block]	NOTE 1 United Bancshares, Inc. (the “Corporation”) was incorporated in 1985 The Corporation, through its wholly-owned subsidiary, the Bank, operates in one 1904 The primary source of revenue of the Corporation is providing loans to customers primarily located in Northwestern and West Central Ohio. Such customers are predominately small and middle-market businesses and individuals. Significant accounting policies followed by the Corporation are presented below. Use of Estimates in Preparing Financial Statements The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during each reporting period. Actual results could differ from those estimates. The estimates most susceptible to significant change in the near term include the determination of the allowance for loan losses; valuation of securities, deferred tax assets, and goodwill. Principles of Consolidation The consolidated financial statements include the accounts of the Corporation and its wholly-owned subsidiary, the Bank, and its wholly-owned subsidiaries. All significant intercompany balances and transactions have been eliminated in consolidation. Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash on hand, amounts due from banks, and federal funds sold which mature overnight or within four Restrictions on Cash The Corporation was required to maintain cash on hand or on deposit with the Federal Reserve Bank of appro ximate ly $ 1.0 December 31, 2019 none December 31, 2020). Securities and Federal Home Loan Bank Stock The Corporation has designated all securities as available-for-sale. Such securities are recorded at fair value, with unrealized gains and losses, net of applicable income taxes, excluded from income and reported as accumulated other comprehensive income (loss). The cost of debt securities is adjusted for amortization of premiums and accretion of discounts to maturity. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Declines in fair value of securities below their cost that are deemed to be other-than-temporary are reflected in income as realized losses. In estimating other-than-temporary impairment losses, management considers ( 1 not 2 3 Investment in Federal Home Loan Bank of Cincinnati stock is classified as a restricted security, carried at cost, and evaluated for impairment. Loans Held for Sale Loans originated and intended for sale in the secondary market are carried at the estimated fair value in the aggregate. Estimated fair value is determined based on quoted market prices in the secondary market. Any net unrealized losses are recognized through a valuation allowance by charges to income . The Corporation had no unrealized losses at December 31, 2020 2019 . Loans and Leases Loans and leases that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are generally stated at its outstanding principal amount adjusted for charge-offs and the allowance for loan and lease losses. Interest is accrued as earned based upon the daily outstanding principal balance. Loan and lease origination fees and certain direct obligation costs are capitalized and recognized as an adjustment of the yield of the related loan. The accrual of interest on mortgage and commercial loans is generally discontinued at the time the loan is 90 no 150 All interest accrued but not Allowance for Loan and Lease Losses The allowance for loan and lease losses (“allowance”) is established as losses are estimated to have occurred through a provision for loan and lease losses charged to income. Loan and lease losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance is evaluated on a regular basis by management and is based upon management's periodic review of the collectability of loans and leases in light of historical experience, the nature and volume of the loan and lease portfolio, adverse situations that may The allowance consists of specific, general and unallocated components. The specific component relates to impaired loans and leases when the discounted cash flows, collateral value, or observable market price of the impaired loan and lease is lower than the carrying value of that loan or lease. The general component covers classified loans and leases (substandard or special mention) without specific reserves, as well as non-classified loans and leases, and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. A loan or lease is considered impaired when, based on current information and events, it is probable that the Corporation will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan or lease agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans and leases that experience insignificant payment delays and payment shortfalls generally are not Under certain circumstances, the Corporation will provide borrowers relief through loan restructurings. A restructuring of debt constitutes a troubled debt restructuring (TDR) if the Corporation, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that it would not not Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Corporation does not Acquired Loans Purchased loans acquired in a business combination are segregated into three no • Pass rated loans (typically performing loans) are accounted for in accordance with ASC 310 20 not • Non-impaired loans (typically past-due loans, special mention loans and performing substandard loans) are accounted for in accordance with ASC 310 30 • Impaired loans (typically substandard loans on non-accrual status) are accounted for in accordance with ASC 310 30 In accordance with ASC 310 30, not Increases in expected cash flows subsequent to the initial investment are recognized prospectively through adjustment of the yield on the loan over its remaining estimated life. Decreases in expected cash flows are recognized immediately as impairment. If the Corporation does not may not Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the lower of cost or fair value, less estimated cost to sell, at the date of foreclosure, establishing a new cost basis with loan balances in excess of fair value charged to the allowance for loan losses. Subsequent to foreclosure, valuations are periodically performed and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and subsequent valuation adjustments are included in other operating expenses. Loan Sales and Servicing Certain mortgage loans are sold with mortgage servicing rights retained or released by the Corporation. The value of mortgage loans sold with servicing rights retained is reduced by the cost allocated to the associated mortgage servicing rights. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold. The Corporation generally estimates fair value for servicing rights based on the present value of future expected cash flows, using management's best estimates of the key assumptions – credit losses, prepayment speeds, servicing costs, earnings rate, and discount rates commensurate with the risks involved. Capitalized servicing rights are reported at fair value and changes in fair value are reported in net income for the period the change occurs. Servicing fee income is recorded for servicing loans, based on a contractual percentage of the outstanding principal, and is reported as other operating income. Amortization of mortgage servicing rights is charged against loan servicing fee income. Premises and Equipment Premises and equipment is stated at cost, less accumulated depreciation. Upon the sale or disposition of the assets, the difference between the depreciated cost and proceeds is charged or credited to income. Depreciation is determined based on the estimated useful lives of the individual assets (typically 20 40 3 10 Premises and equipment is reviewed for impairment when events indicate the carrying amount may not Off-Balance Sheet Credit Related Financial Instruments In the ordinary course of business, the Corporation has entered into commitments to extend credit, including commitments under commercial letters of credit, and standby letters of credit. Such financial instruments are recorded when they are funded. The Corporation maintains a separate allowance for off-balance sheet commitments. Management estimates anticipated losses using historical data and utilization assumptions. The allowance for off-balance sheet commitments is included in other liabilities. Goodwill and Core Deposit Intangible Assets Goodwill arising from acquisitions is not December 31, 2020 , not The core deposit intangible asset resulting from the November 2014 ten October 2024. September 2017 ten 2027. $151,000, $159,000 $173,000 December 31, 2020, 2019 2018 2021 2025 $143,000, $140,000, $139,000, $121,000 $38,000, Supplemental Retirement Benefits Annual provisions are made for the estimated liability for accumulated supplemental retirement benefits under agreements with certain officers and directors. These provisions are determined based on the terms of the agreements, as well as certain assumptions, including estimated service periods and discount rates. Advertising Costs All advertising costs are expensed as incurred. Income Taxes Deferred income taxes are provided on temporary differences between financial statement and income tax reporting. Temporary differences are differences between the amounts of assets and liabilities reported for financial statement purposes and its tax bases. Deferred tax assets are recognized for temporary differences that will be deductible in future years' tax returns and for operating loss and tax credit carryforwards. Deferred tax assets are reduced by a valuation allowance if it is deemed more likely than not not Benefits from tax positions taken or expected to be taken in a tax return are not 50% The Corporation is not Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when ( 1 2 3 not The transfer of a participating interest in an entire financial asset must also meet the definition of a participating interest. A participating interest in a financial asset has all of the following characteristics: ( 1 2 3 4 no Comprehensive Income (Loss) Recognized revenue, expenses, gains and losses are included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the equity section of the consolidated balance sheet, such items, along with net income, are components of comprehensive income. Per Share Data Basic net income per share is computed based on the weighted average number of shares of common stock outstanding during each year. Diluted net income per share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued. The weighted average number of shares used for the years ended December 31, 2020, 2019 2018 2020 2019 2018 Basic 3,270,996 3,270,878 3,268,667 Diluted 3,306,503 3,277,198 3,269,834 Dividends per share are based on the number of shares outstanding at the declaration date. Derivative Financial Instruments The price risk related to changes in the fair value of interest rate lock commitments (IRLCs) and mortgage loans held for sale not not not The Corporation started hedging in May 2018 815 25, Derivatives and Hedging not $1,532,000 December 31, 2020, $191,000 December 31, 2019, $341,000 December 31, 2018 $2,629,000 December 31, 2020 $943,000 December 31, 2019 Fair Values of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully discussed in Note 17. Subsequent Events Management evaluated subsequent events through the date the consolidated financial statements were issued. Events or transactions occurring after December 31, 2020 December 31, 2020 December 31, 2020 not December 31, 2020 not December 31, 2020 On January 21, 2021, $0.16 March 15, 2021 February 26, 2021

Note 2 - New Accounting Pronoun

Note 2 - New Accounting Pronouncements	12 Months Ended
	Dec. 31, 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	12 Months Ended
	Dec. 31, 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 on securities, and fair value of securities as of December 31, 2020 2019 Amortized cost Gross unrealized gains Gross unrealized losses Fair Value 2020 (In Thousands) Available-for-sale: Obligations of states and political subdivisions $ 93,406 $ 6,400 $ 1 $ 99,805 Mortgage-backed 90,712 2,904 5 93,611 Other 1,151 13 - 1,164 Total $ 185,269 $ 9,317 $ 6 $ 194,580 2019 (In Thousands) 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 The amortized cost and fair value of securities at December 31, 2020 , may may (in thousands) Amortized Cost Fair value Due in one year or less $ 560 $ 562 Due after one year through five years 6,557 6,712 Due after five years through ten years 23,372 24,614 Due after ten years 153,629 161,528 Other securities having no maturity date 1,151 1,164 Total $ 185,269 $ 194,580 Securities with a carrying value of $33.6 mi December 31, 2020 $26.0 December 31, 2019 The following table presents gross unrealized losses and fair value of debt securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2020 2019 (in thousands) Securities in a continuous unrealized loss position Less than 12 months 12 months or more Total 2020 Unrealized losses Fair value Unrealized losses Fair value Unrealized losses Total Fair value Obligations of states and political subdivisions $ 1 $ 413 $ - $ - $ 1 $ 413 Mortgage-backed 5 2,203 - - 5 2,203 Other - - - - - - Total temporarily impaired securities $ 6 $ 2,616 $ - $ - $ 6 $ 2,616 Less than 12 months 12 months or more Total 2019 Unrealized losses Fair value Unrealized losses Fair value Unrealized losses Total Fair value Obligations of states and political subdivisions $ 82 $ 3,816 $ - $ - $ 82 $ 3,816 Mortgage-backed 69 9,633 89 14,808 158 24,441 Other - - 9 991 9 991 Total temporarily impaired securities $ 151 $ 13,449 $ 98 $ 15,799 $ 249 $ 29,248 There we re 4 securities in an unrealized loss position at December 31, 2020 none of which were in a continuous unrealized loss position for 12 29 December 31, 2019 15 12 December 31, 2020 December 31, 2020 Gross realized gains from sale of securities, including securities calls, amounte d to $289,000 in 2020 , $4,000 in 2019 , and $90,000 in 2018 , with the income tax provision applicable to such gains amounting to $61,000 in 2020 , $1,000 in 2019 , and $19,000 in 2018 . Gross realized losses from sale of securities amounted to $96,000 in 2018 ith related income tax effect o f $20,000 in 2018. no 2020 2019.

Note 4 - Loans and Leases

Note 4 - Loans and Leases	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 4 Loans and leases at December 31, 2020 2019 2020 2019 Residential 1-4 family real estate $ 111,061 $ 122,905 Commercial and multi-family real estate 374,832 367,614 Commercial 141,280 77,658 Consumer 6,930 8,247 Total loans and leases $ 634,103 $ 576,424 Fixed rate loans and leases approximated $156,458,000 December 31, 2020 $137,671,000 December 31, 2019 . Loans originated through the PPP program are included in the Commercial segment and had an outstanding balance of $ 76.8 Most of the Corporation's lending activities are with customers located in Northwestern and West Central Ohio. As of December 31, 2020 2019 $53,524,000 $44,729,000, The Corporation originates 1 4 1 4 1 4 not 80% 100% 1 4 1 4 Commercial and agricultural real estate loans and leases are subject to underwriting standards and processes similar to commercial and agricultural operating loans and leases, in addition to those unique to real estate loans and leases. These loans and leases are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial and agricultural real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Loan to value is generally 75% may may Commercial and agricultural operating loans and leases are underwritten based on the Corporation's examination of current and projected cash flows to determine the ability of the borrower to repay their obligations as agreed. This underwriting includes the evaluation of cash flows of the borrower, underlying collateral, if applicable and the borrower's ability to manage its business activities. The cash flows of borrowers and the collateral securing these loans and leases may first may The Corporation maintains an internal audit department that reviews and validates the credit risk program on a periodic basis. Results of these reviews are presented to management and the audit committee. The internal audit process complements and reinforces the risk identification and assessment decisions made by lenders and credit personnel, as well as the Corporation's policies and procedures. The following tables present the activity in the allowance for loan and lease losses by portfolio segment for the years ended December 31, 2020, 2019 2018 (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 for loan and lease losses 1,310 4,224 566 100 6,200 Losses charged off (228 ) (125 ) (4 ) (33 ) (390 ) Recoveries 9 29 14 1 53 Balance at December 31, 2020 $ 1,683 $ 6,664 $ 1,515 $ 132 $ 9,994 Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total Balance at December 31, 2018 $ 576 $ 2,355 $ 534 $ 62 $ 3,527 Provision for loan and lease losses 22 52 465 11 550 Losses charged off (46 ) (23 ) (101 ) (10 ) (180 ) Recoveries 40 152 41 1 234 Balance at December 31, 2019 $ 592 $ 2,536 $ 939 $ 64 $ 4,131 Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total Balance at December 31, 2017 $ 545 $ 1,746 $ 501 $ 43 $ 2,835 Provision (credit) for loan and lease losses 8 417 (3 ) 28 450 Losses charged off (52 ) (114 ) (21 ) (10 ) (197 ) Recoveries 75 306 57 1 439 Balance at December 31, 2018 $ 576 $ 2,355 $ 534 $ 62 $ 3,527 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 December 31, 2020 2019 (in thousands) Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total 2020 Allowance for loan and lease losses: Attributable to loans and leases individually evaluated for impairment $ - $ 6 $ 249 $ - $ 255 Collectively evaluated for impairment 1,683 6,658 1,266 132 9,739 Total allowance for loan and lease losses $ 1,683 $ 6,664 $ 1,515 $ 132 $ 9,994 Loans and leases: Individually evaluated for impairment $ - $ 1,047 $ 1,978 $ - $ 3,025 Acquired with deteriorated credit quality 60 104 - - 164 Collectively evaluated for impairment 111,001 373,681 139,302 6,930 630,914 Total ending loans and leases balance $ 111,061 $ 374,832 $ 141,280 $ 6,930 $ 634,103 Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total 2019 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 following is a summary of the activity in the allowance for loan and lease losses of impaired loans, which is a part of the Corporation's overall allowance for loan and lease losses for the years ended December 31, 2020, 2019 2018 (in thousands) 2020 2019 2018 Balance at beginning of year $ 435 $ 128 $ - Provision (credit) for loan and lease losses (180 ) 307 128 Loans charged off - - - Recoveries - - - Balance at end of year $ 255 $ 435 $ 128 The average balance of impaired loans and leases (excluding loans and leases acquired with deteriorated credit quality) amounted to $2,788,000, $2,386,000 $349,000 2020 2019 2018 $43,000 2020 $263,000 2019. no 2018. The following table presents loans and leases individually evaluated for impairment by class of loans as of December 31, 2020 2019 (in thousands) 2020 2019 Recorded investment Allowance for loan and lease losses allocated Recorded investment Allowance for loan and lease losses allocated With no related allowance recorded: Residential 1-4 family real estate $ - $ - $ - $ - Commercial and multi-family real estate 872 - 822 - Agricultural real estate 10 - 4 - Commercial 425 - 22 - Agriculture - - - - Consumer - - - - With an allowance recorded: Residential 1-4 family real estate - - - - Commercial and multi-family real estate 165 6 673 93 Agricultural real estate - - - - Commercial 1,553 249 1,257 342 Agriculture - - - - Consumer - - - - Total $ 3,025 $ 255 $ 2,778 $ 435 The following table presents the recorded investment in nonaccrual loans and leases, loans and leases past due over 90 December 31, 2020 2019 (in thousands) 2020 2019 Nonaccrual Loans and leases past due over 90 days still accruing Accruing Troubled Debt Restructurings Nonaccrual Loans and leases past due over 90 days still accruing Accruing Troubled Debt Restructurings Residential 1-4 family real estate $ 363 $ 60 $ 175 $ 414 $ 138 $ 223 Commercial and multi-family real estate 570 - 546 545 - 623 Agricultural real estate 11 - - 4 - - Commercial - - 769 - - 772 Agriculture - - - - - - Consumer 6 - - - - - Total $ 950 $ 60 $ 1,490 $ 963 $ 138 $ 1,618 The nonaccrual balances in the table above include troubled debt restructurings that have been classified as nonaccrual. The following table presents the aging of the recorded investment in past due loans and leases as of December 31, 2020 2019 (in thousands) 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 2020 Residential 1-4 family real estate $ 795 $ - $ 173 $ 968 $ 110,093 $ 111,061 Commercial and multi-family real estate 468 181 212 861 330,154 331,015 Agricultural real estate - - - - 43,817 43,817 Commercial 676 - - 676 130,897 131,573 Agriculture - - - - 9,707 9,707 Consumer 4 - 6 10 6,920 6,930 Total $ 1,943 $ 181 $ 391 $ 2,515 $ 631,588 $ 634,103 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 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 for adverse classified loans: ● Pass: 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 December 31, 2020 2019. (in thousands) Pass Special Mention Substandard Doubtful Not rated Total 2020 Residential 1 - 4 family $ 6,767 $ - $ - $ - $ 104,294 $ 111,061 Commercial and multi-family real estate 356,163 6,964 11,536 - 169 374,832 Commercial 64,068 495 2,530 - 74,187 141,280 Consumer - - - - 6,930 6,930 Total $ 426,998 $ 7,459 $ 14,066 $ - $ 185,580 $ 634,103 Pass Special Mention Substandard Doubtful Not rated Total 2019 Residential 1 - 4 family $ 9,219 $ - $ - $ - $ 113,686 $ 122,905 Commercial and multi-family real estate 362,519 1,797 3,258 - 40 367,614 Commercial 75,559 410 1,688 - 1 77,658 Consumer 45 - - - 8,202 8,247 Total $ 447,342 $ 2,207 $ 4,946 $ - $ 121,929 $ 576,424 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 December 31, 2020 2019 (in thousands) Residential 1-4 family Commercial and multi-family real estate Commercial Consumer Total 2020 Performing $ 104,121 $ 153 $ 74,187 $ 6,924 $ 185,385 Nonperforming 173 16 - 6 195 Total $ 104,294 $ 169 $ 74,187 $ 6,930 $ 185,580 Residential 1-4 family Commercial and multi-family real estate Commercial Consumer Total 2 019 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 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 The following table includes the recorded investment and number of modifications for TDR loans and leases during the year ended December 31, 2019. There were no no December 31, 2020 2019 (dollars in thousands) Number of modifications Recorded investment Allowance for loan and lease losses allocated 2019 Commercial and multi family real estate 2 $ 545 $ - Commercial 1 750 342 Total 3 $ 1,295 $ 342 The concessions granted during 2020 included the following: the bank modified one As a result of the COVID- 19 90 90 December 31, 202 0, 152 $57.7 not The following is additional information with respect to loans and leases acquired in the Benchmark and OSB transactions as of December 31, 2020 2019 Benchmark Bank (in thousands) Contractual Principal Accretable Carrying 2020 Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2019 $ 58,953 $ (1,177 ) $ 57,776 Change due to payments received (21,567 ) 522 (21,045 ) Balance at December 31, 2020 $ 37,386 $ (655 ) $ 36,731 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 354 $ (192 ) $ 162 Change due to payments received (67 ) 19 (48 ) Balance at December 31, 2020 $ 287 $ (173 ) $ 114 Contractual Principal Accretable Carrying 2019 Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2018 $ 74,837 $ (1,553 ) $ 73,284 Change due to payments received (15,884 ) 376 (15,508 ) Balance at December 31, 2019 $ 58,953 $ (1,177 ) $ 57,776 Purchased Impaired Loans and Leases Balance at December 31, 2018 $ 516 $ (253 ) $ 263 Change due to payments received (162 ) 61 (101 ) Balance at December 31, 2019 $ 354 $ (192 ) $ 162 The Ohio State Bank (in thousands) Contractual Principal Accretable Carrying 2020 Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2019 $ 13,047 $ (430 ) $ 12,617 Change due to payments received (2,866 ) 111 (2,755 ) Balance at December 31, 2020 $ 10,181 $ (319 ) $ 9,862 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 160 $ (134 ) $ 26 Change due to payments received (51 ) 75 24 Balance at December 31, 2020 $ 109 $ (59 ) $ 50 Contractual Principal Accretable Carrying 2019 Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2018 $ 19,043 $ (658 ) $ 18,385 Change due to payments received (5,996 ) 228 (5,768 ) Balance at December 31, 2019 $ 13,047 $ (430 ) $ 12,617 Purchased Impaired Loans and Leases Balance at December 31, 2018 $ 196 $ (163 ) $ 33 Change due to payments received (21 ) 14 (7 ) Balance at December 31, 2019 (15 ) 15 - $ 160 $ (134 ) $ 26 As a result of the acquisitions, the Corporation has loans, for which there was at acquisition, evidence of deterioration of credit quality since origination and for which it was probable at acquisition, that all contractually required payments would not $114,000 December 31, 2020 and $ 162,000 December 31, 2019 related to the Benchmark acquisition and $50,000 December 31, 2020 $26,000 December 31, 2019 There was no December 31, 2020 2019 no Certain directors and executive officers, including their immediate families and companies in which they are principal owners, are loan and lease customers of the Corporation. Such loans and leases are made in the ordinary course of business in accordance with the normal lending policies of the Corporation, including the interest rate charged and collateralization. Such loans amounted to $965,000 $1,154,000 December 31, 2020 2019 2020 2019 2018 (in thousands) 2020 2019 2018 Beginning of year $ 1,154 $ 1,371 $ 491 Additions 4 - 952 Repayments (193 ) (217 ) (72 ) End of year $ 965 $ 1,154 $ 1,371 Additions and repayments include loan and lease renewals, as well as net borrowings and repayments under revolving lines-of-credit.

Note 5 - Premises and Equipment

Note 5 - Premises and Equipment	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	NOTE 5 The following is a summary of premises and equipment at December 31, 2020 2019 (in thousands) 2020 2019 Land and improvements $ 4,069 $ 4,069 Buildings 17,596 17,327 Equipment 7,164 5,857 28,829 27,253 Less accumulated depreciation 9,488 8,464 Premises and equipment, net $ 19,341 $ 18,789 Depreciation expense amounted to $1,028,000 2020 $932,000 2019 $893,000 2018

Note 6 - Servicing

Note 6 - Servicing	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Transfers and Servicing of Financial Assets [Text Block]	NOTE 6 Mortgage loans serviced for others are not $234,897,000 $175,742,000 December 31, 2020 2019 Mortgage servicing rights are included in other assets in the accompanying consolidated balance sheets. The Corporation has elected to record its mortgage servicing rights using the fair value measurement method. Significant assumptions used in determining the fair value of servicing rights as of December 31, 2020 2019 Prepayment assumptions: Based on the PSA Standard Prepayment Model Internal rate of return: 11% 13% Servicing costs: $76 – $91 per loan, annually, increased at the rate of $1 per 1% delinquency based on loan count Inflation rate of servicing costs: 3% Earnings rate: 0.25% Following is a summary of mortgage servicing rights activity for the years ended December 31, 2020, 2019 2018 (in thousands) 2020 2019 2018 Fair value at beginning of year $ 1,061 $ 1,313 $ 1,270 Capitalized servicing rights – new loan sales 690 192 164 Disposals (amortization based on loan payments and payoffs) (326 ) (186 ) (147 ) Change in fair value (293 ) (258 ) 26 Fair value at end of year $ 1,132 $ 1,061 $ 1,313 The changes in fair value of servicing rights for the years ended December 31, 2020, 2019, 2018 December 31, 2020 365 214 December 31, 2019, 136 December 31, 2018 0.25% 2020 2019, 2018

Note 7 - Deposits

Note 7 - Deposits	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	NOTE 7 Time deposits at December 31, 2020 2019 $250,000 $13,228,000 $15,568,000, $250,000 ted to $186,000 for 2020 , $239 ,000 2019 $120,000 2018 At December 31, 2020 , $152,331,000 2021, $109,109,000; 2022, $35,287,000; 2023, $4,011,000; 2024, $2,199,000; 2025, $1,634,000; $91,000. Certain directors and executive officers, including their immediate families and companies in which they are principal owners, are depositors of the Corporation. Such deposits amounted to $6,900,000 $5,536,000 December 31, 2020 2019

Note 8 - Other Borrowings

Note 8 - Other Borrowings	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Debt Disclosure [Text Block]	NOTE 8 Other borrowings consists of the following at December 31, 2020 December 31, 2019 : (in thousands) 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 Secured note, with variable interest, at 2.13% at December 31, 2020 and 2.99% at December 31, 2019, due September, 2021 - 7,000 Secured note, with interest at 1.86%, due September, 2021 - 6,000 Secured note, with interest at 2.94%, due December, 2021 - 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 United Bankers Bank Note payable, with interest at 4.875% payable quarterly, and $250,000 principal payments, with any remaining unpaid principal, due September 1, 2022. All Union Bank stock is held as collateral. 7,750 8,750 Total other borrowings $ 7,750 $ 58,750 During 2020, $1,086,000. December 31, 2020 , on had $155,878,000 of Future maturities of other borrowings are as follows: 2021, $1,000,000; 2022, $6,750,000

Note 9 - Junior Subordinated De

Note 9 - Junior Subordinated Deferrable Interest Debentures	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Subordinated Borrowings Disclosure [Text Block]	NOTE 9 The Corporation has formed and invested $300,000 not $10,000,000 $10,300,000 March 26, 2033. March 26, 2008, may 315 3 3.40 December 31, 2020 , 5 .10% December 31, 2019 , 5.97 December 31, 2018 not 20 The Corporation assumed $3,093,000 $3,000,000 $93,000 $2,642,000 December 31, 2020 $2,608,000 December 31, 2019 . April 23, 2034. 285 3 3.06 December 31, 2020 4.78 December 31, 2019 . Interest expense on the debentures amounted t o $526,000 2020 $728,000 2019 $697,000 2018 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, the securities cannot be used to constitute more than 25%

Note 10 - Other Operating Expen

Note 10 - Other Operating Expenses	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Other Income and Other Expense Disclosure [Text Block]	NOTE 10 Other operating expenses consisted of the following for the years ended December 31, 2020, 2019 2018 (in thousands) 2020 2019 2018 Data processing $ 1,801 $ 1,478 $ 1,318 Professional fees 1,294 1,001 817 Ohio Financial Institution tax 635 552 505 Advertising, Sponsorship, and Charitable Contributions 2,077 1,802 1,786 ATM processing and other fees 745 764 663 Amortization of core deposit intangible assets 151 159 173 Postage 93 69 50 Stationery and supplies 146 164 179 FDIC assessment 231 79 264 Loan closing fees 2,035 1,354 921 Other real estate owned - 3 12 Deposit losses 47 52 63 Other 2,153 1,801 1,627 Total other operating expenses $ 11,408 $ 9,278 $ 8,378

Note 11 - Income Taxes

Note 11 - Income Taxes	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Income Tax Disclosure [Text Block]	NOTE 11 The provision for income taxes for the years ended December 31, 2020, 2019, 2018 (in thousands) 2020 2019 2018 Current $ 3,711 $ 1,086 $ (211 ) Deferred (789 ) 529 1,740 Total provision for income taxes $ 2,922 $ 1,615 $ 1,529 The income tax provision attributable to income from operations differed from the amounts computed by applying the U.S. federal income tax rate of 21% 2020, 2019, 2018: (in thousands) 2020 2019 2018 Expected tax using statutory tax rate $ 3,502 $ 2,578 $ 2,047 Increase (decrease) in tax resulting from: Tax-exempt income on state and municipal securities and political subdivision loans (472 ) (386 ) (358 ) Tax-exempt income on life insurance contracts (77 ) (82 ) (83 ) Deductible dividends paid to United Bancshares, Inc. ESOP (44 ) (42 ) (37 ) Tax-exempt settlement - (416 ) - Other, net 13 (37 ) (40 ) Total provision for income taxes $ 2,922 $ 1,615 $ 1,529 The deferred income tax provision (credit) of ( $789,000 2020 $529,000 2019 $1,740,000 2018 The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2020 2019 (in thousands) 2020 2019 Deferred tax assets: Allowance for loan losses $ 2,099 $ 868 Deferred compensation 330 312 Nonaccrual loan interest 162 212 Deferred loan fees 437 130 Accrued vacation expense 101 96 Accrued profit sharing 181 123 Loans fair value adjustments 306 421 Other 198 124 Net operating loss carryforwards 853 1,285 Total deferred tax assets 4,667 3,571 Deferred tax liabilities: Federal Home Loan Bank stock dividends 526 526 Unrealized gain on securities available for sale 1,956 764 Capitalized mortgage servicing rights 238 223 Fixed asset depreciation 673 424 Acquisition intangibles 1,897 1,907 Trust preferred fair value adjustment 72 77 Other 125 67 Total deferred tax liabilities 5,487 3,988 Net deferred tax liabilities $ (820 ) $ (417 ) Net deferred tax liabilities at December 31, 2020 2019 The Corporation acquired $15.0 2014 2029 2033. $126,000 382 Code, the Corporation recorded in deferred tax assets at the time of acquisition the tax benefit of only $2.5 not $8.9 2017 2029 2036. 382 $652,000 December 31, 2020 , $4.1 $853,000, Management believes it is more likely than not that the benefit of recorded deferred tax assets will be realized. Consequently, no valuation allowance for deferred tax assets is deemed necessary as of December 31, 2020 2019 . Unrecognized Tax Benefits The Corporation had no December 31, 2020 2019 not twelve There was no December 31, 2020 December 31, 2019 The Corporation and its subsidiaries are subject to U.S. federal income tax. The Corporation and its subsidiaries are no 2017. no

Note 12 - Employee and Director

Note 12 - Employee and Director Benefits	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Compensation and Employee Benefit Plans [Text Block]	NOTE 12 The Corporation sponsors a salary deferral, defined contribution plan which provides for both profit sharing and employer matching contributions. The plan permits investing in the Corporation's stock subject to certain limitations. Participants who meet certain eligibility conditions are eligible to participate and defer a specified percentage of their eligible compensation subject to certain income tax law limitations. The Corporation makes discretionary matching and profit sharing contributions, as approved annually by the Board of Directors, subject to certain income tax law limitations. Contribution expense for the plan amounte d to $1,478,000, $1,201,000 $1,025,0 00 in 2020 , 2019 , and 2018 , respectively. At December 31, 2020 , the plan own ed 417,447 of the Corporation's common stock. The Corporation also sponsors nonqualified deferred compensation plans, covering certain directors and employees, which have been indirectly funded through the purchase of split-dollar life insurance policies. In connection with the policies, the Corporation has provided an estimated liability for accumulated supplemental retirement benefits amounting to $1,571,000 $1,484,00 0 at December 31, 2020 2019 , respectively, which is included in other liabilities in the accompanying consolidated balance sheets. The Corporation has also purchased split-dollar life insurance policies for investment purposes and to fund other employee benefit plans. The combined cash values of these policies aggr egated $18,981,000 and $18,613,000 a t December 31, 2020 2019 , respectively. Under an employee stock purchase plan, eligible employees may defer a portion of their compensation and use the proceeds to purchase stock of the Corporation at a discount determined semi-annually by the Board of Directors as stipulated in the plan. The Corporation sold from treasury 3 ,889 shares in 2020 , 2 ,957 shares in 2019 , and 1,715 2018 under the plan. The three

Note 13 - Financial Instruments

Note 13 - Financial Instruments With Off-balance Sheet Risk	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Financial Instruments with Off-balance Sheet Risk, Disclosure [Text Block]	NOTE 13 The Corporation is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments are primarily loan commitments to extend credit and letters of credit. These instruments involve, to varying degrees, elements of credit risk in excess of the amounts recognized in the consolidated balance sheets. The contract amount of these instruments reflects the extent of involvement the Corporation has in these financial instruments. The Corporation's exposure to credit loss in the event of the nonperformance by the other party to the financial instruments for loan commitments to extend credit and letters of credit is represented by the contractual amounts of these instruments. The Corporation uses the same credit policies in making loan commitments as it does for on-balance sheet loans. The following financial instruments whose contract amount represents credit risk were outstanding at December 31, 2020 2019 (in thousands) Contract amount 2020 2019 Commitments to extend credit $ 155,745 $ 132,605 Letters of credit $ 533 $ 615 Commitments to extend credit are agreements to lend to a customer as long as there is no may not may Letters of credit are written conditional commitments issued by the Corporation to guarantee the performance of a customer to a third

Note 14 - Regulatory Matters

Note 14 - Regulatory Matters	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	NOTE 14 The Corporation (on a consolidated basis) and Bank are subject to various regulatory capital requirements administered by the federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Corporation's and Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Corporation and Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not Quantitative measures established by regulation to ensure capital adequacy require the Corporation and Bank to maintain minimum amounts and ratios (set forth in the following table) of Common Equity Tier 1 CET1 December 31, 2020 2019 8% As of December 31, 2020 , CET1, no In July 2013 January 1, 2015 The actual capital amounts and ratios of the Corporation and Bank as of December 31, 2020 2019 Minimum to be well capitalized Minimum under prompt capital corrective Actual requirement action provisions Amount Ratio Amount Ratio (1) Amount Ratio (Dollars in thousands) As of December 31, 2020 Common Equity Tier 1 Capital (CET1) (to Risk Weighted Assets) Consolidated $ 86,584 13.8 % $ 44,040 ≥ 7.0% N/A N/A Bank $ 91,118 14.5 % $ 43,929 ≥ 7.0% $ 40,791 6.5 % Total Capital (to Risk Weighted Assets) Consolidated $ 96,578 15.4 % $ 66,059 ≥ 10.5% N/A N/A Bank $ 98,992 15.8 % $ 65,894 ≥ 10.5% $ 62,756 10.0 % Tier 1 Capital (to Risk weighted Assets) Consolidated $ 86,584 13.8 % $ 53,477 ≥ 8.5% N/A N/A Bank $ 91,118 14.5 % $ 53,343 ≥ 8.5% $ 50,205 8.0 % Tier 1 Capital (to Average Assets) Consolidated $ 86,584 9.2 % $ 37,489 ≥ 4.0% N/A N/A Bank $ 91,118 9.4 % $ 38,776 ≥ 4.0% $ 48,471 5.0 % As of December 31, 2019 Common Equity Tier 1 Capital (CET1) (to Risk Weighted Assets) Consolidated $ 73,938 11.6 % $ 44,634 ≥ 7.0% N/A N/A Bank $ 80,277 12.6 % $ 44,464 ≥ 7.0% $ 41,288 6.5 % Total Capital (to Risk Weighted Assets) Consolidated $ 78,069 12.2 % $ 66,950 ≥ 10.5% N/A N/A Bank $ 84,493 13.3 % $ 66,697 ≥ 10.5% $ 63,521 10.0 % Tier 1 Capital (to Risk weighted Assets) Consolidated $ 73,938 11.6 % $ 54,198 ≥ 8.5% N/A N/A Bank $ 80,277 12.6 % $ 53,992 ≥ 8.5% $ 50,816 8.0 % Tier 1 Capital (to Average Assets) Consolidated $ 73,938 8.9 % $ 33,233 ≥ 4.0% N/A N/A Bank $ 80,277 9.3 % $ 34,454 ≥ 4.0% $ 43,068 5.0 % ( 1 2.5% December 31, 2020 On a parent company only basis, the Corporation's primary source of funds is dividends paid by the Bank. The ability of the Bank to pay dividends is subject to limitations under various laws and regulations, and to prudent and sound banking principles. Generally, subject to certain minimum capital requirements, the Bank may two

Note 15 - Condensed Parent Comp

Note 15 - Condensed Parent Company Financial Information	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	NOTE 15 A summary of condensed financial information of the parent company as of December 31, 2020 2019 three December 31, 2020 , Condensed Balance Sheets (in thousands) Assets: 2020 2019 Cash $ 1,845 $ 879 Investment in bank subsidiary 129,070 114,029 Other assets 1,576 2,419 Total assets $ 132,491 $ 117,327 Liabilities: Junior subordinated deferrable interest debentures $ 12,942 $ 12,908 Other borrowings 7,750 8,750 Other liabilities 200 888 Total Liabilities 20,892 22,546 Shareholders' equity 111,599 94,781 Total liabilities and shareholders' equity $ 132,491 $ 117,327 (in thousands) Condensed Statements of Income 2020 2019 2018 Income – dividends from bank subsidiary $ 4,500 $ - $ 4,500 Litigation Settlement - 1,980 - Expenses – interest, professional fees and other expenses, net of federal income tax benefit and interest income (1,150 ) (1,313 ) (1,346 ) Income before equity in undistributed net income of bank subsidiary 3,350 667 3,154 Equity in undistributed net income of bank subsidiary 10,405 9,994 5,066 Net income $ 13,755 $ 10,661 $ 8,220 (in thousands) Condensed Statements of Cash Flows 2020 2019 2018 Cash flows from operating activities: Net income $ 13,755 $ 10,661 $ 8,220 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of bank subsidiary (10,405 ) (9,994 ) (5,066 ) Stock option expense 164 266 165 Depreciation and amortization 34 34 34 (Increase) decrease in other assets 843 (1,221 ) 969 Increase (decrease) in other liabilities (841 ) 421 40 Net cash provided by operating activities 3,550 167 4,362 Cash flows from investing activities: Acquisition of Benchmark - - (3,413 ) Cash flows from financing activities: Principal payments on other borrowings (1,000 ) (1,000 ) (250 ) Purchase of treasury stock - (95 ) - Proceeds from sale of treasury shares 95 71 39 Cash paid for cancellation of stock options (11 ) - - Cash dividends paid (1,668 ) (1,702 ) (1,568 ) Net cash used in financing activities (2,584 ) (2,726 ) (1,779 ) Net increase (decrease) in cash 966 (2,559 ) (830 ) Cash at beginning of the year 879 3,438 4,268 Cash at end of the year $ 1,845 $ 879 $ 3,438 During 2005, may 4 ,220 2019 none 2020 2018

Note 16 - Fair Value Measuremen

Note 16 - Fair Value Measurements	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	NOTE 16 Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall not not FASB ASC 820 10, Fair Value Measurements 820 10 may 820 10 Level 1 Level 2 1 2 not Level 3 The following table summarizes financial assets (there were no December 31, 2020 2019 (in thousands) 2020 Level 1 inputs Level 2 inputs Level 3 inputs Total fair value Recurring: Securities available-for-sale: Obligations of state and political subdivisions $ - $ 99,805 $ - $ 99,805 Mortgage-backed - 93,611 - 93,611 Other 1,162 2 - 1,164 Mortgage servicing rights - - 1,132 1,132 Total recurring $ 1,162 $ 193,418 $ 1,132 $ 195,712 Nonrecurring: Impaired Loans - - $ 1,463 $ 1,463 (in thousands) 2019 Level 1 inputs Level 2 inputs Level 3 inputs Total fair value Recurring: Securities available-for-sale: Obligations of state and political subdivisions $ - $ 72,554 $ - $ 72,554 Mortgage-backed - 110,041 - 110,041 Other 1,014 2 - 1,016 Mortgage servicing rights - - 1,061 1,061 Total recurring $ 1,014 $ 182,597 $ 1,061 $ 184,672 Nonrecurring: Impaired Loans $ - $ - $ 1,495 $ 1,495 The table below presents a reconciliation and income statement classification of gains and losses for mortgage servicing rights, which is measured at fair value on a recurring basis using significant unobservable inputs (Level 3 December 31, 2020, 2019 2018 (in thousands) Mortgage Servicing Rights 2020 2019 2018 Balance at beginning of year $ 1,061 $ 1,313 $ 1,270 Gains or losses, including realized and unrealized: Purchases, issuances, and settlements 690 192 164 Disposals – amortization based on loan payments and payoffs (326 ) (186 ) (147 ) Changes in fair value (293 ) (258 ) 26 Balance at end of year $ 1,132 $ 1,061 $ 1,313 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 may 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%, 6 3 3. Impaired Loans The Corporation does not 2 3 10% 3 0% 10% 20% 3 3.

Note 17 - Fair Value of Financi

Note 17 - Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Financial Instruments Disclosure [Text Block]	NOTE 17 The carrying amounts and estimated fair values of recognized financial instruments at December 31, 2020 2019 (in thousands) 2020 2019 Carrying Amount Estimated Value Carrying Amount Estimated Value Input Level FINANCIAL ASSETS Cash and cash equivalents $ 57,034 $ 57,034 $ 26,412 $ 26,412 1 Securities, including FHLB stock 200,178 200,178 188,913 188,913 2,3 Loans held for sale 18,427 18,427 15,301 15,301 3 Net loans and leases 624,109 625,628 572,293 572,936 3 Mortgage servicing rights 1,132 1,132 1,061 1,061 3 Hedging assets 3,245 3,245 970 970 3 Total financial assets $ 904,125 $ 905,644 $ 804,950 $ 805,593 (in thousands) 2020 2019 Carrying Amount Estimated Value Carrying Amount Estimated Value Input Level FINANCIAL LIABILITIES Deposits Maturity $ 152,331 $ 153,337 $ 197,391 $ 197,428 3 Non-maturity 686,047 686,047 509,743 509,743 1 Other borrowings 7,750 7,750 58,750 58,692 3 Junior subordinated deferrable interest debentures 12,942 10,300 12,908 11,067 3 Hedging liabilities 616 616 27 27 3 Total financial liabilities $ 859,686 $ 858,050 $ 778,819 $ 776,957 The above summary does not 1 There are also unrecognized financial instruments at December 31, 2020 2019 $156,385,000 December 31, 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: Where quoted prices are available in an active market, securities are classified within Level 1 1 not 2 may 3 not 3 December 31, 2020 or 2019 . 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 year end for deposits of similar remaining maturities. The estimated fair value does not 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 the junior subordinated deferrable interest debentures is determined based on quoted market prices of similar instruments. 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 18 - Revenue Recognition

Note 18 - Revenue Recognition	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Revenue from Contract with Customer [Text Block]	NOTE 18 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 Company's performance obligations are satisfied at the time of the transaction or over the course of a month. Interchange fee income: The Company 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 Company 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 Company'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 Company has satisfied its performance obligation. The following table presents the Company's non-interest income for the years ended December 31, 2020, 2019 2018. 606 Year ended December 31, 2020 2019 2018 Service charges on deposit accounts $ 1,102 $ 1,486 $ 1,610 Gain on sale of loans (1) 24,139 9,071 4,675 Net securities gains (losses) (1) 289 4 (6 ) Change in fair value of mortgage servicing rights (1) (293 ) (258 ) 26 Increase in cash surrender value of life insurance (1) 368 390 395 Credit and debit card interchange fees 1,514 1,443 1,388 Litigation settlement (1) - 1,980 - Wealth management 319 293 237 Net loan servicing fees (1) 262 327 375 Other non-interest income (700 ) 312 728 Total non-interest income $ 27,000 $ 15,048 $ 9,428 ( 1 Not 606

Note 19 - Leasing Arrangements

Note 19 - Leasing Arrangements	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	NOTE 19 The Corporation leases various branch facilities under operating leases. Rent expense wa s $424,000, $ 314,000, $158,000 2020 2019 2018 $1,867,000 31, 2020 $2,112,000 31, 2019. The following is a schedule of future minimum rental payments required under the facility leases as of December 31, 2020 : Year ending Amount December 31, (in thousands) 2021 $ 325 2022 290 2023 292 2024 294 2025 268 Thereafter 891 Total $ 2,360

Note 20 - Stock-based Compensat

Note 20 - Stock-based Compensation	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	NOTE 20 The United Bancshares, Inc.2016 250,000 The Corporation issued 63,858 2020 $19.83, 33,853 2019 $22.97, 31,267 2018 of $23.30 December 31, 2020, 2019 2018 2020 2019 2018 Outstanding, beginning of year 117,647 93,069 63,503 Granted 63,858 33,853 31,267 Exercised - - - Cancelled (2,955 ) - - Forfeited (20,733 ) (9,275 ) (1,701 ) Outstanding, end of year 157,817 117,647 93,069 Weighted average exercise price at end of year $ 19.83 $ 21.81 $ 21.39 The options vest over a three December 31, 2020 , 68 ,269 options were vested and outstanding options had a weighted average remaining contractual term of 8.11 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 in 2020, 2019 2018 2020 2019 2018 Weighted-average fair value of options granted $ 4.83 $ 7.77 $ 7.87 Average dividend yield 2.93 % 2.26 % 2.18 % Expected volatility 40.00 % 40.00 % 40.00 % Rick-free interest rate 0.49 % 1.93 % 2.81 % Expected term (years) 7 7 7 Shares Granted 63,858 33,853 31,267 Exercise Price $ 16.77 $ 22.97 $ 23.30 Total compensation expense related to the stock options granted in 2020, $308,000 36 1, 2020. Total compensation expense related to the stock options granted in 2019, net of forfeitures, is expected to be $ 223,000 36 inning July 1, 2019. 175,000 36 Stock option expense for outstanding awards amounted to $164,000, $266,000 $165,000 for the ye December 31, 2020, 2019 2018,

Note 21 - Contingent Liabilitie

Note 21 - Contingent Liabilities	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	NOTE 21 - CONTINGENT LIABILITIES In the normal course of business, the Corporation and its subsidiary may not

Note 22 - Quarterly Financial D

Note 22 - Quarterly Financial Data (Unaudited)	12 Months Ended
	Dec. 31, 2020
Notes to Financial Statements
Quarterly Financial Information [Text Block]	NOTE 22 The following represents a summary of selected unaudited quarterly financial data for 2020 2019 (in thousands, except share data) Net Net Income Interest Interest Net Per Share Income Income Income Basic Diluted 2020 First quarter $ 9,232 $ 7,124 $ 1,088 $ 0.33 $ 0.32 Second quarter $ 10,079 $ 8,587 $ 5,668 $ 1.73 $ 1.71 Third quarter $ 10,100 $ 8,398 $ 5,250 $ 1.61 $ 1.60 Fourth quarter $ 10,619 $ 8,933 $ 1,749 $ 0.54 $ 0.53 2019 First quarter $ 8,986 $ 6,935 $ 1,814 $ 0.55 $ 0.55 Second quarter $ 9,470 $ 7,245 $ 2,285 $ 0.70 $ 0.70 Third quarter $ 9,595 $ 7,271 $ 2,418 $ 0.74 $ 0.74 Fourth quarter $ 9,768 $ 7,444 $ 4,144 $ 1.27 $ 1.26

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Use of Estimates, Policy [Policy Text Block]	Use of Estimates in Preparing Financial Statements The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during each reporting period. Actual results could differ from those estimates. The estimates most susceptible to significant change in the near term include the determination of the allowance for loan losses; valuation of securities, deferred tax assets, and goodwill.
Consolidation, Policy [Policy Text Block]	Principles of Consolidation The consolidated financial statements include the accounts of the Corporation and its wholly-owned subsidiary, the Bank, and its wholly-owned subsidiaries. All significant intercompany balances and transactions have been eliminated in consolidation.
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash on hand, amounts due from banks, and federal funds sold which mature overnight or within four
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]	Restrictions on Cash The Corporation was required to maintain cash on hand or on deposit with the Federal Reserve Bank of appro ximate ly $ 1.0 December 31, 2019 none December 31, 2020).
Marketable Securities, Policy [Policy Text Block]	Securities and Federal Home Loan Bank Stock The Corporation has designated all securities as available-for-sale. Such securities are recorded at fair value, with unrealized gains and losses, net of applicable income taxes, excluded from income and reported as accumulated other comprehensive income (loss). The cost of debt securities is adjusted for amortization of premiums and accretion of discounts to maturity. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Declines in fair value of securities below their cost that are deemed to be other-than-temporary are reflected in income as realized losses. In estimating other-than-temporary impairment losses, management considers ( 1 not 2 3 Investment in Federal Home Loan Bank of Cincinnati stock is classified as a restricted security, carried at cost, and evaluated for impairment.
Financing Receivable, Held-for-sale [Policy Text Block]	Loans Held for Sale Loans originated and intended for sale in the secondary market are carried at the estimated fair value in the aggregate. Estimated fair value is determined based on quoted market prices in the secondary market. Any net unrealized losses are recognized through a valuation allowance by charges to income. T he Corporation had no unrealized losses at December 31, 2020 2019 .
Financing Receivable [Policy Text Block]	Loans and Leases Loans and leases that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are generally stated at its outstanding principal amount adjusted for charge-offs and the allowance for loan and lease losses. Interest is accrued as earned based upon the daily outstanding principal balance. Loan and lease origination fees and certain direct obligation costs are capitalized and recognized as an adjustment of the yield of the related loan. The accrual of interest on mortgage and commercial loans is generally discontinued at the time the loan is 90 no 150 All interest accrued but not
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan and Lease Losses The allowance for loan and lease losses (“allowance”) is established as losses are estimated to have occurred through a provision for loan and lease losses charged to income. Loan and lease losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance is evaluated on a regular basis by management and is based upon management's periodic review of the collectability of loans and leases in light of historical experience, the nature and volume of the loan and lease portfolio, adverse situations that may The allowance consists of specific, general and unallocated components. The specific component relates to impaired loans and leases when the discounted cash flows, collateral value, or observable market price of the impaired loan and lease is lower than the carrying value of that loan or lease. The general component covers classified loans and leases (substandard or special mention) without specific reserves, as well as non-classified loans and leases, and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. A loan or lease is considered impaired when, based on current information and events, it is probable that the Corporation will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan or lease agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans and leases that experience insignificant payment delays and payment shortfalls generally are not Under certain circumstances, the Corporation will provide borrowers relief through loan restructurings. A restructuring of debt constitutes a troubled debt restructuring (TDR) if the Corporation, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that it would not not Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Corporation does not
Acquired Loans [Policy Text Block]	Acquired Loans Purchased loans acquired in a business combination are segregated into three no • Pass rated loans (typically performing loans) are accounted for in accordance with ASC 310 20 not • Non-impaired loans (typically past-due loans, special mention loans and performing substandard loans) are accounted for in accordance with ASC 310 30 • Impaired loans (typically substandard loans on non-accrual status) are accounted for in accordance with ASC 310 30 In accordance with ASC 310 30, not Increases in expected cash flows subsequent to the initial investment are recognized prospectively through adjustment of the yield on the loan over its remaining estimated life. Decreases in expected cash flows are recognized immediately as impairment. If the Corporation does not may not
Financing Receivable, Real Estate Acquired Through Foreclosure [Policy Text Block]	Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the lower of cost or fair value, less estimated cost to sell, at the date of foreclosure, establishing a new cost basis with loan balances in excess of fair value charged to the allowance for loan losses. Subsequent to foreclosure, valuations are periodically performed and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and subsequent valuation adjustments are included in other operating expenses.
Transfers and Servicing of Financial Assets, Servicing of Financial Assets, Policy [Policy Text Block]	Loan Sales and Servicing Certain mortgage loans are sold with mortgage servicing rights retained or released by the Corporation. The value of mortgage loans sold with servicing rights retained is reduced by the cost allocated to the associated mortgage servicing rights. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold. The Corporation generally estimates fair value for servicing rights based on the present value of future expected cash flows, using management's best estimates of the key assumptions – credit losses, prepayment speeds, servicing costs, earnings rate, and discount rates commensurate with the risks involved. Capitalized servicing rights are reported at fair value and changes in fair value are reported in net income for the period the change occurs. Servicing fee income is recorded for servicing loans, based on a contractual percentage of the outstanding principal, and is reported as other operating income. Amortization of mortgage servicing rights is charged against loan servicing fee income.
Property, Plant and Equipment, Policy [Policy Text Block]	Premises and Equipment Premises and equipment is stated at cost, less accumulated depreciation. Upon the sale or disposition of the assets, the difference between the depreciated cost and proceeds is charged or credited to income. Depreciation is determined based on the estimated useful lives of the individual assets (typically 20 40 3 10 Premises and equipment is reviewed for impairment when events indicate the carrying amount may not
Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]	Off-Balance Sheet Credit Related Financial Instruments In the ordinary course of business, the Corporation has entered into commitments to extend credit, including commitments under commercial letters of credit, and standby letters of credit. Such financial instruments are recorded when they are funded. The Corporation maintains a separate allowance for off-balance sheet commitments. Management estimates anticipated losses using historical data and utilization assumptions. The allowance for off-balance sheet commitments is included in other liabilities.
Goodwill and Intangible Assets, Policy [Policy Text Block]	Goodwill and Core Deposit Intangible Assets Goodwill arising from acquisitions is not December 31, 2020 , not The core deposit intangible asset resulting from the November 2014 ten October 2024. September 2017 ten 2027. $151,000, $159,000 $173,000 December 31, 2020, 2019 2018 2021 2025 $143,000, $140,000, $139,000, $121,000 $38,000,
Pension and Other Postretirement Plans, Policy [Policy Text Block]	Supplemental Retirement Benefits Annual provisions are made for the estimated liability for accumulated supplemental retirement benefits under agreements with certain officers and directors. These provisions are determined based on the terms of the agreements, as well as certain assumptions, including estimated service periods and discount rates.
Advertising Cost [Policy Text Block]	Advertising Costs All advertising costs are expensed as incurred.
Income Tax, Policy [Policy Text Block]	Income Taxes Deferred income taxes are provided on temporary differences between financial statement and income tax reporting. Temporary differences are differences between the amounts of assets and liabilities reported for financial statement purposes and its tax bases. Deferred tax assets are recognized for temporary differences that will be deductible in future years' tax returns and for operating loss and tax credit carryforwards. Deferred tax assets are reduced by a valuation allowance if it is deemed more likely than not not Benefits from tax positions taken or expected to be taken in a tax return are not 50% The Corporation is not
Transfers and Servicing of Financial Assets, Policy [Policy Text Block]	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when ( 1 2 3 not The transfer of a participating interest in an entire financial asset must also meet the definition of a participating interest. A participating interest in a financial asset has all of the following characteristics: ( 1 2 3 4 no
Comprehensive Income, Policy [Policy Text Block]	Comprehensive Income (Loss) Recognized revenue, expenses, gains and losses are included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the equity section of the consolidated balance sheet, such items, along with net income, are components of comprehensive income.
Earnings Per Share, Policy [Policy Text Block]	Per Share Data Basic net income per share is computed based on the weighted average number of shares of common stock outstanding during each year. Diluted net income per share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued. The weighted average number of shares used for the years ended December 31, 2020, 2019 2018 2020 2019 2018 Basic 3,270,996 3,270,878 3,268,667 Diluted 3,306,503 3,277,198 3,269,834 Dividends per share are based on the number of shares outstanding at the declaration date.
Derivatives, Policy [Policy Text Block]	Derivative Financial Instruments The price risk related to changes in the fair value of interest rate lock commitments (IRLCs) and mortgage loans held for sale not not not The Corporation started hedging in May 2018 815 25, Derivatives and Hedging not $1,532,000 December 31, 2020, $191,000 December 31, 2019, $341,000 December 31, 2018 $2,629,000 December 31, 2020 $943,000 December 31, 2019
Fair Value of Financial Instruments, Policy [Policy Text Block]	Fair Values of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully discussed in Note 17.
Subsequent Events, Policy [Policy Text Block]	Subsequent Events Management evaluated subsequent events through the date the consolidated financial statements were issued. Events or transactions occurring after December 31, 2020 December 31, 2020 December 31, 2020 not December 31, 2020 not December 31, 2020 On January 21, 2021, $0.16 March 15, 2021 February 26, 2021

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Weighted Average Number of Shares [Table Text Block]	2020 2019 2018 Basic 3,270,996 3,270,878 3,268,667 Diluted 3,306,503 3,277,198 3,269,834

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	Amortized cost Gross unrealized gains Gross unrealized losses Fair Value 2020 (In Thousands) Available-for-sale: Obligations of states and political subdivisions $ 93,406 $ 6,400 $ 1 $ 99,805 Mortgage-backed 90,712 2,904 5 93,611 Other 1,151 13 - 1,164 Total $ 185,269 $ 9,317 $ 6 $ 194,580 2019 (In Thousands) 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
Investments Classified by Contractual Maturity Date [Table Text Block]	(in thousands) Amortized Cost Fair value Due in one year or less $ 560 $ 562 Due after one year through five years 6,557 6,712 Due after five years through ten years 23,372 24,614 Due after ten years 153,629 161,528 Other securities having no maturity date 1,151 1,164 Total $ 185,269 $ 194,580
Schedule of Unrealized Loss on Investments [Table Text Block]	(in thousands) Securities in a continuous unrealized loss position Less than 12 months 12 months or more Total 2020 Unrealized losses Fair value Unrealized losses Fair value Unrealized losses Total Fair value Obligations of states and political subdivisions $ 1 $ 413 $ - $ - $ 1 $ 413 Mortgage-backed 5 2,203 - - 5 2,203 Other - - - - - - Total temporarily impaired securities $ 6 $ 2,616 $ - $ - $ 6 $ 2,616 Less than 12 months 12 months or more Total 2019 Unrealized losses Fair value Unrealized losses Fair value Unrealized losses Total Fair value Obligations of states and political subdivisions $ 82 $ 3,816 $ - $ - $ 82 $ 3,816 Mortgage-backed 69 9,633 89 14,808 158 24,441 Other - - 9 991 9 991 Total temporarily impaired securities $ 151 $ 13,449 $ 98 $ 15,799 $ 249 $ 29,248

Note 4 - Loans and Leases (Tabl

Note 4 - Loans and Leases (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	2020 2019 Residential 1-4 family real estate $ 111,061 $ 122,905 Commercial and multi-family real estate 374,832 367,614 Commercial 141,280 77,658 Consumer 6,930 8,247 Total loans and leases $ 634,103 $ 576,424
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 for loan and lease losses 1,310 4,224 566 100 6,200 Losses charged off (228 ) (125 ) (4 ) (33 ) (390 ) Recoveries 9 29 14 1 53 Balance at December 31, 2020 $ 1,683 $ 6,664 $ 1,515 $ 132 $ 9,994 Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total Balance at December 31, 2018 $ 576 $ 2,355 $ 534 $ 62 $ 3,527 Provision for loan and lease losses 22 52 465 11 550 Losses charged off (46 ) (23 ) (101 ) (10 ) (180 ) Recoveries 40 152 41 1 234 Balance at December 31, 2019 $ 592 $ 2,536 $ 939 $ 64 $ 4,131 Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total Balance at December 31, 2017 $ 545 $ 1,746 $ 501 $ 43 $ 2,835 Provision (credit) for loan and lease losses 8 417 (3 ) 28 450 Losses charged off (52 ) (114 ) (21 ) (10 ) (197 ) Recoveries 75 306 57 1 439 Balance at December 31, 2018 $ 576 $ 2,355 $ 534 $ 62 $ 3,527
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	(in thousands) Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total 2020 Allowance for loan and lease losses: Attributable to loans and leases individually evaluated for impairment $ - $ 6 $ 249 $ - $ 255 Collectively evaluated for impairment 1,683 6,658 1,266 132 9,739 Total allowance for loan and lease losses $ 1,683 $ 6,664 $ 1,515 $ 132 $ 9,994 Loans and leases: Individually evaluated for impairment $ - $ 1,047 $ 1,978 $ - $ 3,025 Acquired with deteriorated credit quality 60 104 - - 164 Collectively evaluated for impairment 111,001 373,681 139,302 6,930 630,914 Total ending loans and leases balance $ 111,061 $ 374,832 $ 141,280 $ 6,930 $ 634,103 Residential 1 – 4 family real estate Commercial and multi-family real estate Commercial Consumer Total 2019 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
Impaired Financing Receivables [Table Text Block]	(in thousands) 2020 2019 2018 Balance at beginning of year $ 435 $ 128 $ - Provision (credit) for loan and lease losses (180 ) 307 128 Loans charged off - - - Recoveries - - - Balance at end of year $ 255 $ 435 $ 128
Schedule of Temporary Impairment Losses, Investments [Table Text Block]	(in thousands) 2020 2019 Recorded investment Allowance for loan and lease losses allocated Recorded investment Allowance for loan and lease losses allocated With no related allowance recorded: Residential 1-4 family real estate $ - $ - $ - $ - Commercial and multi-family real estate 872 - 822 - Agricultural real estate 10 - 4 - Commercial 425 - 22 - Agriculture - - - - Consumer - - - - With an allowance recorded: Residential 1-4 family real estate - - - - Commercial and multi-family real estate 165 6 673 93 Agricultural real estate - - - - Commercial 1,553 249 1,257 342 Agriculture - - - - Consumer - - - - Total $ 3,025 $ 255 $ 2,778 $ 435
Financing Receivable, Nonaccrual [Table Text Block]	(in thousands) 2020 2019 Nonaccrual Loans and leases past due over 90 days still accruing Accruing Troubled Debt Restructurings Nonaccrual Loans and leases past due over 90 days still accruing Accruing Troubled Debt Restructurings Residential 1-4 family real estate $ 363 $ 60 $ 175 $ 414 $ 138 $ 223 Commercial and multi-family real estate 570 - 546 545 - 623 Agricultural real estate 11 - - 4 - - Commercial - - 769 - - 772 Agriculture - - - - - - Consumer 6 - - - - - Total $ 950 $ 60 $ 1,490 $ 963 $ 138 $ 1,618
Financing Receivable, Past Due [Table Text Block]	(in thousands) 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 2020 Residential 1-4 family real estate $ 795 $ - $ 173 $ 968 $ 110,093 $ 111,061 Commercial and multi-family real estate 468 181 212 861 330,154 331,015 Agricultural real estate - - - - 43,817 43,817 Commercial 676 - - 676 130,897 131,573 Agriculture - - - - 9,707 9,707 Consumer 4 - 6 10 6,920 6,930 Total $ 1,943 $ 181 $ 391 $ 2,515 $ 631,588 $ 634,103 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 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) Pass Special Mention Substandard Doubtful Not rated Total 2020 Residential 1 - 4 family $ 6,767 $ - $ - $ - $ 104,294 $ 111,061 Commercial and multi-family real estate 356,163 6,964 11,536 - 169 374,832 Commercial 64,068 495 2,530 - 74,187 141,280 Consumer - - - - 6,930 6,930 Total $ 426,998 $ 7,459 $ 14,066 $ - $ 185,580 $ 634,103 Pass Special Mention Substandard Doubtful Not rated Total 2019 Residential 1 - 4 family $ 9,219 $ - $ - $ - $ 113,686 $ 122,905 Commercial and multi-family real estate 362,519 1,797 3,258 - 40 367,614 Commercial 75,559 410 1,688 - 1 77,658 Consumer 45 - - - 8,202 8,247 Total $ 447,342 $ 2,207 $ 4,946 $ - $ 121,929 $ 576,424
Schedule of the Performance of the Loan Portfolio [Table Text Block]	(in thousands) Residential 1-4 family Commercial and multi-family real estate Commercial Consumer Total 2020 Performing $ 104,121 $ 153 $ 74,187 $ 6,924 $ 185,385 Nonperforming 173 16 - 6 195 Total $ 104,294 $ 169 $ 74,187 $ 6,930 $ 185,580 Residential 1-4 family Commercial and multi-family real estate Commercial Consumer Total 2 019 Performing $ 113,364 $ 24 $ - $ 8,202 $ 121,590 Nonperforming 322 16 1 - 339 Total $ 113,686 $ 40 $ 1 $ 8,202 $ 121,929
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	(dollars in thousands) Number of modifications Recorded investment Allowance for loan and lease losses allocated 2019 Commercial and multi family real estate 2 $ 545 $ - Commercial 1 750 342 Total 3 $ 1,295 $ 342
Schedule of Loans Acquired in Acquisition [Table Text Block]	Benchmark Bank (in thousands) Contractual Principal Accretable Carrying 2020 Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2019 $ 58,953 $ (1,177 ) $ 57,776 Change due to payments received (21,567 ) 522 (21,045 ) Balance at December 31, 2020 $ 37,386 $ (655 ) $ 36,731 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 354 $ (192 ) $ 162 Change due to payments received (67 ) 19 (48 ) Balance at December 31, 2020 $ 287 $ (173 ) $ 114 Contractual Principal Accretable Carrying 2019 Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2018 $ 74,837 $ (1,553 ) $ 73,284 Change due to payments received (15,884 ) 376 (15,508 ) Balance at December 31, 2019 $ 58,953 $ (1,177 ) $ 57,776 Purchased Impaired Loans and Leases Balance at December 31, 2018 $ 516 $ (253 ) $ 263 Change due to payments received (162 ) 61 (101 ) Balance at December 31, 2019 $ 354 $ (192 ) $ 162 The Ohio State Bank (in thousands) Contractual Principal Accretable Carrying 2020 Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2019 $ 13,047 $ (430 ) $ 12,617 Change due to payments received (2,866 ) 111 (2,755 ) Balance at December 31, 2020 $ 10,181 $ (319 ) $ 9,862 Purchased Impaired Loans and Leases Balance at December 31, 2019 $ 160 $ (134 ) $ 26 Change due to payments received (51 ) 75 24 Balance at December 31, 2020 $ 109 $ (59 ) $ 50 Contractual Principal Accretable Carrying 2019 Receivable Difference Amount Purchased Performing Loans and Leases Balance at December 31, 2018 $ 19,043 $ (658 ) $ 18,385 Change due to payments received (5,996 ) 228 (5,768 ) Balance at December 31, 2019 $ 13,047 $ (430 ) $ 12,617 Purchased Impaired Loans and Leases Balance at December 31, 2018 $ 196 $ (163 ) $ 33 Change due to payments received (21 ) 14 (7 ) Balance at December 31, 2019 (15 ) 15 - $ 160 $ (134 ) $ 26
Schedule of Related Party Loans [Table Text Block]	(in thousands) 2020 2019 2018 Beginning of year $ 1,154 $ 1,371 $ 491 Additions 4 - 952 Repayments (193 ) (217 ) (72 ) End of year $ 965 $ 1,154 $ 1,371

Note 5 - Premises and Equipme_2

Note 5 - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Property, Plant and Equipment [Table Text Block]	(in thousands) 2020 2019 Land and improvements $ 4,069 $ 4,069 Buildings 17,596 17,327 Equipment 7,164 5,857 28,829 27,253 Less accumulated depreciation 9,488 8,464 Premises and equipment, net $ 19,341 $ 18,789

Note 6 - Servicing (Tables)

Note 6 - Servicing (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Servicing Assets at Fair Value [Table Text Block]	(in thousands) 2020 2019 2018 Fair value at beginning of year $ 1,061 $ 1,313 $ 1,270 Capitalized servicing rights – new loan sales 690 192 164 Disposals (amortization based on loan payments and payoffs) (326 ) (186 ) (147 ) Change in fair value (293 ) (258 ) 26 Fair value at end of year $ 1,132 $ 1,061 $ 1,313

Note 8 - Other Borrowings (Tabl

Note 8 - Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Debt [Table Text Block]	(in thousands) 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 Secured note, with variable interest, at 2.13% at December 31, 2020 and 2.99% at December 31, 2019, due September, 2021 - 7,000 Secured note, with interest at 1.86%, due September, 2021 - 6,000 Secured note, with interest at 2.94%, due December, 2021 - 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 United Bankers Bank Note payable, with interest at 4.875% payable quarterly, and $250,000 principal payments, with any remaining unpaid principal, due September 1, 2022. All Union Bank stock is held as collateral. 7,750 8,750 Total other borrowings $ 7,750 $ 58,750

Note 10 - Other Operating Exp_2

Note 10 - Other Operating Expenses (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Other Operating Cost and Expense, by Component [Table Text Block]	(in thousands) 2020 2019 2018 Data processing $ 1,801 $ 1,478 $ 1,318 Professional fees 1,294 1,001 817 Ohio Financial Institution tax 635 552 505 Advertising, Sponsorship, and Charitable Contributions 2,077 1,802 1,786 ATM processing and other fees 745 764 663 Amortization of core deposit intangible assets 151 159 173 Postage 93 69 50 Stationery and supplies 146 164 179 FDIC assessment 231 79 264 Loan closing fees 2,035 1,354 921 Other real estate owned - 3 12 Deposit losses 47 52 63 Other 2,153 1,801 1,627 Total other operating expenses $ 11,408 $ 9,278 $ 8,378

Note 11 - Income Taxes (Tables)

Note 11 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	(in thousands) 2020 2019 2018 Current $ 3,711 $ 1,086 $ (211 ) Deferred (789 ) 529 1,740 Total provision for income taxes $ 2,922 $ 1,615 $ 1,529
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	(in thousands) 2020 2019 2018 Expected tax using statutory tax rate $ 3,502 $ 2,578 $ 2,047 Increase (decrease) in tax resulting from: Tax-exempt income on state and municipal securities and political subdivision loans (472 ) (386 ) (358 ) Tax-exempt income on life insurance contracts (77 ) (82 ) (83 ) Deductible dividends paid to United Bancshares, Inc. ESOP (44 ) (42 ) (37 ) Tax-exempt settlement - (416 ) - Other, net 13 (37 ) (40 ) Total provision for income taxes $ 2,922 $ 1,615 $ 1,529
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	(in thousands) 2020 2019 Deferred tax assets: Allowance for loan losses $ 2,099 $ 868 Deferred compensation 330 312 Nonaccrual loan interest 162 212 Deferred loan fees 437 130 Accrued vacation expense 101 96 Accrued profit sharing 181 123 Loans fair value adjustments 306 421 Other 198 124 Net operating loss carryforwards 853 1,285 Total deferred tax assets 4,667 3,571 Deferred tax liabilities: Federal Home Loan Bank stock dividends 526 526 Unrealized gain on securities available for sale 1,956 764 Capitalized mortgage servicing rights 238 223 Fixed asset depreciation 673 424 Acquisition intangibles 1,897 1,907 Trust preferred fair value adjustment 72 77 Other 125 67 Total deferred tax liabilities 5,487 3,988 Net deferred tax liabilities $ (820 ) $ (417 )

Note 13 - Financial Instrumen_2

Note 13 - Financial Instruments With Off-balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	(in thousands) Contract amount 2020 2019 Commitments to extend credit $ 155,745 $ 132,605 Letters of credit $ 533 $ 615

Note 14 - Regulatory Matters (T

Note 14 - Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Minimum to be well capitalized Minimum under prompt capital corrective Actual requirement action provisions Amount Ratio Amount Ratio (1) Amount Ratio (Dollars in thousands) As of December 31, 2020 Common Equity Tier 1 Capital (CET1) (to Risk Weighted Assets) Consolidated $ 86,584 13.8 % $ 44,040 ≥ 7.0% N/A N/A Bank $ 91,118 14.5 % $ 43,929 ≥ 7.0% $ 40,791 6.5 % Total Capital (to Risk Weighted Assets) Consolidated $ 96,578 15.4 % $ 66,059 ≥ 10.5% N/A N/A Bank $ 98,992 15.8 % $ 65,894 ≥ 10.5% $ 62,756 10.0 % Tier 1 Capital (to Risk weighted Assets) Consolidated $ 86,584 13.8 % $ 53,477 ≥ 8.5% N/A N/A Bank $ 91,118 14.5 % $ 53,343 ≥ 8.5% $ 50,205 8.0 % Tier 1 Capital (to Average Assets) Consolidated $ 86,584 9.2 % $ 37,489 ≥ 4.0% N/A N/A Bank $ 91,118 9.4 % $ 38,776 ≥ 4.0% $ 48,471 5.0 % As of December 31, 2019 Common Equity Tier 1 Capital (CET1) (to Risk Weighted Assets) Consolidated $ 73,938 11.6 % $ 44,634 ≥ 7.0% N/A N/A Bank $ 80,277 12.6 % $ 44,464 ≥ 7.0% $ 41,288 6.5 % Total Capital (to Risk Weighted Assets) Consolidated $ 78,069 12.2 % $ 66,950 ≥ 10.5% N/A N/A Bank $ 84,493 13.3 % $ 66,697 ≥ 10.5% $ 63,521 10.0 % Tier 1 Capital (to Risk weighted Assets) Consolidated $ 73,938 11.6 % $ 54,198 ≥ 8.5% N/A N/A Bank $ 80,277 12.6 % $ 53,992 ≥ 8.5% $ 50,816 8.0 % Tier 1 Capital (to Average Assets) Consolidated $ 73,938 8.9 % $ 33,233 ≥ 4.0% N/A N/A Bank $ 80,277 9.3 % $ 34,454 ≥ 4.0% $ 43,068 5.0 %

Note 15 - Condensed Parent Co_2

Note 15 - Condensed Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Condensed Balance Sheet [Table Text Block]	Condensed Balance Sheets (in thousands) Assets: 2020 2019 Cash $ 1,845 $ 879 Investment in bank subsidiary 129,070 114,029 Other assets 1,576 2,419 Total assets $ 132,491 $ 117,327 Liabilities: Junior subordinated deferrable interest debentures $ 12,942 $ 12,908 Other borrowings 7,750 8,750 Other liabilities 200 888 Total Liabilities 20,892 22,546 Shareholders' equity 111,599 94,781 Total liabilities and shareholders' equity $ 132,491 $ 117,327
Condensed Income Statement [Table Text Block]	(in thousands) Condensed Statements of Income 2020 2019 2018 Income – dividends from bank subsidiary $ 4,500 $ - $ 4,500 Litigation Settlement - 1,980 - Expenses – interest, professional fees and other expenses, net of federal income tax benefit and interest income (1,150 ) (1,313 ) (1,346 ) Income before equity in undistributed net income of bank subsidiary 3,350 667 3,154 Equity in undistributed net income of bank subsidiary 10,405 9,994 5,066 Net income $ 13,755 $ 10,661 $ 8,220
Condensed Cash Flow Statement [Table Text Block]	(in thousands) Condensed Statements of Cash Flows 2020 2019 2018 Cash flows from operating activities: Net income $ 13,755 $ 10,661 $ 8,220 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of bank subsidiary (10,405 ) (9,994 ) (5,066 ) Stock option expense 164 266 165 Depreciation and amortization 34 34 34 (Increase) decrease in other assets 843 (1,221 ) 969 Increase (decrease) in other liabilities (841 ) 421 40 Net cash provided by operating activities 3,550 167 4,362 Cash flows from investing activities: Acquisition of Benchmark - - (3,413 ) Cash flows from financing activities: Principal payments on other borrowings (1,000 ) (1,000 ) (250 ) Purchase of treasury stock - (95 ) - Proceeds from sale of treasury shares 95 71 39 Cash paid for cancellation of stock options (11 ) - - Cash dividends paid (1,668 ) (1,702 ) (1,568 ) Net cash used in financing activities (2,584 ) (2,726 ) (1,779 ) Net increase (decrease) in cash 966 (2,559 ) (830 ) Cash at beginning of the year 879 3,438 4,268 Cash at end of the year $ 1,845 $ 879 $ 3,438

Note 16 - Fair Value Measurem_2

Note 16 - Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]	(in thousands) 2020 Level 1 inputs Level 2 inputs Level 3 inputs Total fair value Recurring: Securities available-for-sale: Obligations of state and political subdivisions $ - $ 99,805 $ - $ 99,805 Mortgage-backed - 93,611 - 93,611 Other 1,162 2 - 1,164 Mortgage servicing rights - - 1,132 1,132 Total recurring $ 1,162 $ 193,418 $ 1,132 $ 195,712 Nonrecurring: Impaired Loans - - $ 1,463 $ 1,463 (in thousands) 2019 Level 1 inputs Level 2 inputs Level 3 inputs Total fair value Recurring: Securities available-for-sale: Obligations of state and political subdivisions $ - $ 72,554 $ - $ 72,554 Mortgage-backed - 110,041 - 110,041 Other 1,014 2 - 1,016 Mortgage servicing rights - - 1,061 1,061 Total recurring $ 1,014 $ 182,597 $ 1,061 $ 184,672 Nonrecurring: Impaired Loans $ - $ - $ 1,495 $ 1,495
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	(in thousands) Mortgage Servicing Rights 2020 2019 2018 Balance at beginning of year $ 1,061 $ 1,313 $ 1,270 Gains or losses, including realized and unrealized: Purchases, issuances, and settlements 690 192 164 Disposals – amortization based on loan payments and payoffs (326 ) (186 ) (147 ) Changes in fair value (293 ) (258 ) 26 Balance at end of year $ 1,132 $ 1,061 $ 1,313

Note 17 - Fair Value of Finan_2

Note 17 - Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	(in thousands) 2020 2019 Carrying Amount Estimated Value Carrying Amount Estimated Value Input Level FINANCIAL ASSETS Cash and cash equivalents $ 57,034 $ 57,034 $ 26,412 $ 26,412 1 Securities, including FHLB stock 200,178 200,178 188,913 188,913 2,3 Loans held for sale 18,427 18,427 15,301 15,301 3 Net loans and leases 624,109 625,628 572,293 572,936 3 Mortgage servicing rights 1,132 1,132 1,061 1,061 3 Hedging assets 3,245 3,245 970 970 3 Total financial assets $ 904,125 $ 905,644 $ 804,950 $ 805,593 (in thousands) 2020 2019 Carrying Amount Estimated Value Carrying Amount Estimated Value Input Level FINANCIAL LIABILITIES Deposits Maturity $ 152,331 $ 153,337 $ 197,391 $ 197,428 3 Non-maturity 686,047 686,047 509,743 509,743 1 Other borrowings 7,750 7,750 58,750 58,692 3 Junior subordinated deferrable interest debentures 12,942 10,300 12,908 11,067 3 Hedging liabilities 616 616 27 27 3 Total financial liabilities $ 859,686 $ 858,050 $ 778,819 $ 776,957

Note 18 - Revenue Recognition (

Note 18 - Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Disaggregation of Revenue [Table Text Block]	Year ended December 31, 2020 2019 2018 Service charges on deposit accounts $ 1,102 $ 1,486 $ 1,610 Gain on sale of loans (1) 24,139 9,071 4,675 Net securities gains (losses) (1) 289 4 (6 ) Change in fair value of mortgage servicing rights (1) (293 ) (258 ) 26 Increase in cash surrender value of life insurance (1) 368 390 395 Credit and debit card interchange fees 1,514 1,443 1,388 Litigation settlement (1) - 1,980 - Wealth management 319 293 237 Net loan servicing fees (1) 262 327 375 Other non-interest income (700 ) 312 728 Total non-interest income $ 27,000 $ 15,048 $ 9,428

Note 19 - Leasing Arrangements

Note 19 - Leasing Arrangements (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	Year ending Amount December 31, (in thousands) 2021 $ 325 2022 290 2023 292 2024 294 2025 268 Thereafter 891 Total $ 2,360

Note 20 - Stock-based Compens_2

Note 20 - Stock-based Compensation (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Share-based Payment Arrangement, Option, Activity [Table Text Block]	2020 2019 2018 Outstanding, beginning of year 117,647 93,069 63,503 Granted 63,858 33,853 31,267 Exercised - - - Cancelled (2,955 ) - - Forfeited (20,733 ) (9,275 ) (1,701 ) Outstanding, end of year 157,817 117,647 93,069 Weighted average exercise price at end of year $ 19.83 $ 21.81 $ 21.39
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]	2020 2019 2018 Weighted-average fair value of options granted $ 4.83 $ 7.77 $ 7.87 Average dividend yield 2.93 % 2.26 % 2.18 % Expected volatility 40.00 % 40.00 % 40.00 % Rick-free interest rate 0.49 % 1.93 % 2.81 % Expected term (years) 7 7 7 Shares Granted 63,858 33,853 31,267 Exercise Price $ 16.77 $ 22.97 $ 23.30

Note 22 - Quarterly Financial_2

Note 22 - Quarterly Financial Data (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2020
Notes Tables
Quarterly Financial Information [Table Text Block]	(in thousands, except share data) Net Net Income Interest Interest Net Per Share Income Income Income Basic Diluted 2020 First quarter $ 9,232 $ 7,124 $ 1,088 $ 0.33 $ 0.32 Second quarter $ 10,079 $ 8,587 $ 5,668 $ 1.73 $ 1.71 Third quarter $ 10,100 $ 8,398 $ 5,250 $ 1.61 $ 1.60 Fourth quarter $ 10,619 $ 8,933 $ 1,749 $ 0.54 $ 0.53 2019 First quarter $ 8,986 $ 6,935 $ 1,814 $ 0.55 $ 0.55 Second quarter $ 9,470 $ 7,245 $ 2,285 $ 0.70 $ 0.70 Third quarter $ 9,595 $ 7,271 $ 2,418 $ 0.74 $ 0.74 Fourth quarter $ 9,768 $ 7,444 $ 4,144 $ 1.27 $ 1.26

Note 1 - Summary of Significa_3

Note 1 - Summary of Significant Accounting Policies (Details Textual)	Jan. 21, 2021$ / shares	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Number of Operating Segments		1
Restricted Cash and Cash Equivalents, Total		$ 0	$ 1,000,000
Unrealized Gain (Loss) on Securities		0	0
Amortization of Intangible Assets, Total		151,000	159,000	$ 173,000
Derivative, Gain (Loss) on Derivative, Net, Total		(1,532,000)	(191,000)	341,000
Subsequent Event [Member]
Dividends Payable, Amount Per Share (in dollars per share) | $ / shares	$ 0.16
Dividends Payable, Date to be Paid	Mar. 15, 2021
Dividends Payable, Date of Record	Feb. 26, 2021
Estimate of Fair Value Measurement [Member]
Fair Value Hedge Assets		2,629,000	943,000
Core Deposits [Member]
Amortization of Intangible Assets, Total		151,000	$ 159,000	$ 173,000
Finite-Lived Intangible Asset, Expected Amortization, Year One		143,000
Finite-Lived Intangible Asset, Expected Amortization, Year Two		140,000
Finite-Lived Intangible Asset, Expected Amortization, Year Three		139,000
Finite-Lived Intangible Asset, Expected Amortization, Year Four		121,000
Finite-Lived Intangible Asset, Expected Amortization, Year Five		$ 38,000
Ohio State Bancshares Inc [Member] | Core Deposits [Member]
Finite-Lived Intangible Asset, Useful Life (Year)		10 years
Benchmark Bancorp, Inc. [Member] | Core Deposits [Member]
Finite-Lived Intangible Asset, Useful Life (Year)		10 years
Minimum [Member] | Building [Member]
Property, Plant and Equipment, Useful Life (Year)		20 years
Minimum [Member] | Equipment [Member]
Property, Plant and Equipment, Useful Life (Year)		3 years
Maximum [Member] | Building [Member]
Property, Plant and Equipment, Useful Life (Year)		40 years
Maximum [Member] | Equipment [Member]
Property, Plant and Equipment, Useful Life (Year)		10 years

Note 1 - Summary of Significa_4

Note 1 - Summary of Significant Accounting Policies - Summary of Weighted Average Number of Shares Outstanding (Details) - shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Basic (in shares)	3,270,996	3,270,878	3,268,667
Diluted (in shares)	3,306,503	3,277,198	3,269,834

Note 3 - Securities (Details Te

Note 3 - Securities (Details Textual)	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	4	29
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions	0	15
Debt Securities, Available-for-sale, Realized Gain	$ 289,000	$ 4,000	$ 90,000
Income Tax Expense (Benefit), Total	2,922,000	1,615,000	1,529,000
Debt Securities, Available-for-sale, Realized Loss			96,000
Realized Gains on Sale of Securities [Member]
Income Tax Expense (Benefit), Total	61,000	1,000	19,000
Realized Losses on Sale of Securities [Member]
Income Tax Expense (Benefit), Total	0	0	$ 20,000
Debt Securities, Availabe-for-Sale, Pledged as Collateral [Member]
Debt Securities, Available-for-sale, Restricted	$ 33,600,000	$ 26,000,000

Note 3 - Securities - Amortized

Note 3 - Securities - Amortized Cost and Fair Value of Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Available-for-sale securities, Amortized cost	$ 185,269	$ 179,975
Available-for-sale securities, Gross unrealized gains	9,317	3,885
Available-for-sale securities, Gross unrealized losses	6	249
Available-for-sale securities, Fair Value	194,580	183,611
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, Amortized cost	93,406	70,043
Available-for-sale securities, Gross unrealized gains	6,400	2,593
Available-for-sale securities, Gross unrealized losses	1	82
Available-for-sale securities, Fair Value	99,805	72,554
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, Amortized cost	90,712	108,907
Available-for-sale securities, Gross unrealized gains	2,904	1,292
Available-for-sale securities, Gross unrealized losses	5	158
Available-for-sale securities, Fair Value	93,611	110,041
Other Debt Obligations [Member]
Available-for-sale securities, Amortized cost	1,151	1,025
Available-for-sale securities, Gross unrealized gains	13
Available-for-sale securities, Gross unrealized losses		9
Available-for-sale securities, Fair Value	$ 1,164	$ 1,016

Note 3 - Securities - Summary o

Note 3 - Securities - Summary of Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Due in one year or less	$ 560
Due in one year or less	562
Due after one year through five years	6,557
Due after one year through five years	6,712
Due after five years through ten years	23,372
Due after five years through ten years	24,614
Due after ten years	153,629
Due after ten years	161,528
Other securities having no maturity date	1,151
Other securities having no maturity date	1,164
Total	185,269	$ 179,975
Total	$ 194,580	$ 183,611

Note 3 - Securities - Summary_2

Note 3 - Securities - Summary of Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Available-for-sale securities, less than 12 months, gross unrealized losses	$ 6	$ 151
Available-for-sale securities, less than 12 months, fair value	2,616	13,449
Available-for-sale securities, greater than 12 months, gross unrealized losses		98
Available-for-sale securities, greater than 12 months, fair value		15,799
Available-for-sale securities, gross unrealized losses	6	249
Available-for-sale securities, fair value	2,616	29,248
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, less than 12 months, gross unrealized losses	1	82
Available-for-sale securities, less than 12 months, fair value	413	3,816
Available-for-sale securities, greater than 12 months, gross unrealized losses
Available-for-sale securities, greater than 12 months, fair value
Available-for-sale securities, gross unrealized losses	1	82
Available-for-sale securities, fair value	413	3,816
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, less than 12 months, gross unrealized losses	5	69
Available-for-sale securities, less than 12 months, fair value	2,203	9,633
Available-for-sale securities, greater than 12 months, gross unrealized losses		89
Available-for-sale securities, greater than 12 months, fair value		14,808
Available-for-sale securities, gross unrealized losses	5	158
Available-for-sale securities, fair value	2,203	24,441
Other Debt Obligations [Member]
Available-for-sale securities, less than 12 months, gross unrealized losses
Available-for-sale securities, less than 12 months, fair value
Available-for-sale securities, greater than 12 months, gross unrealized losses		9
Available-for-sale securities, greater than 12 months, fair value		991
Available-for-sale securities, gross unrealized losses		9
Available-for-sale securities, fair value		$ 991

Note 4 - Loans and Leases (Deta

Note 4 - Loans and Leases (Details Textual)	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Loans Receivable with Fixed Rates of Interest	$ 156,458,000	$ 137,671,000
Loans and Leases Receivable, Gross, Total	634,103,000	576,424,000
Impaired Financing Receivable, Average Recorded Investment, Total	2,788,000	2,386,000	$ 349,000
Impaired Financing Receivable, Interest Income, Accrual Method, Total	$ 43,000	$ 263,000	0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0
Financing Receivable, after Allowance for Credit Loss, Total	$ 185,580,000	$ 121,929,000
Provision for Loan and Lease Losses, Total	6,200,000	550,000	450,000
Loans and Leases Receivable, Related Parties, Ending Balance	$ 965,000	$ 1,154,000	1,371,000	$ 491,000
Financing Receivable, Modifications, Number of Contracts	0	3
Benchmark Bancorp, Inc. [Member]
Financing Receivable, after Allowance for Credit Loss, Total	$ 114,000	$ 162,000
Ohio State Bancshares Inc [Member]
Financing Receivable, after Allowance for Credit Loss, Total	50,000	26,000
Ohio State Bancshares Inc and Benchmark Bancorp, Inc. [Member]
Provision for Loan and Lease Losses, Total	$ 0	0
COVID 19 [Member]
Financing Receivable, Number of Payment Deferrals	152
Financing Receivable, Deferred Payments	$ 57,700,000
Comply with Bankruptcy Plan [Member]
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	1
Agriculture and Agriculture Real Estate [Member]
Loans and Leases Receivable, Gross, Total	$ 53,524,000	44,729,000
Commercial and Agriculture Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	141,280,000	77,658,000
Provision for Loan and Lease Losses, Total	566,000	$ 465,000	$ (3,000)
Commercial and Agriculture Portfolio Segment [Member] | SBA CARES Act Paycheck Protection Program [Member]
Loans and Leases Receivable, Gross, Total	$ 76,800,000

Note 4 - Loans and Leases - Sum

Note 4 - Loans and Leases - Summary of Loans and Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Loans and leases	$ 634,103	$ 576,424
Residential Portfolio Segment [Member]
Loans and leases	111,061	122,905
Commercial Real Estate and Agriculture Real Estate [Member]
Loans and leases	374,832	367,614
Commercial and Agriculture Loans [Member]
Loans and leases	141,280	77,658
Consumer Portfolio Segment [Member]
Loans and leases	$ 6,930	$ 8,247

Note 4 - Loans and Leases - Act

Note 4 - Loans and Leases - Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Allowance for loan and lease losses beginning balance	$ 4,131	$ 3,527	$ 2,835
Provision for loan and lease losses	6,200	550	450
Losses charged off	(390)	(180)	(197)
Recoveries	53	234	439
Allowance for loan and lease losses ending balance	9,994	4,131	3,527
Residential 1 - 4 Family Real Estate [Member]
Allowance for loan and lease losses beginning balance	592	576	545
Provision for loan and lease losses	1,310	22	8
Losses charged off	(228)	(46)	(52)
Recoveries	9	40	75
Allowance for loan and lease losses ending balance	1,683	592	576
Commercial and Agricultural Real Estate Portfolio Segment [Member]
Allowance for loan and lease losses beginning balance	2,536	2,355	1,746
Provision for loan and lease losses	4,224	52	417
Losses charged off	(125)	(23)	(114)
Recoveries	29	152	306
Allowance for loan and lease losses ending balance	6,664	2,536	2,355
Commercial and Agriculture Portfolio Segment [Member]
Allowance for loan and lease losses beginning balance	939	534	501
Provision for loan and lease losses	566	465	(3)
Losses charged off	(4)	(101)	(21)
Recoveries	14	41	57
Allowance for loan and lease losses ending balance	1,515	939	534
Consumer Portfolio Segment [Member]
Allowance for loan and lease losses beginning balance	64	62	43
Provision for loan and lease losses	100	11	28
Losses charged off	(33)	(10)	(10)
Recoveries	1	1	1
Allowance for loan and lease losses ending balance	$ 132	$ 64	$ 62

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	Dec. 31, 2020	Dec. 31, 2019
Attributable to loans and leases individually evaluated for impairment	$ 255	$ 435
Collectively evaluated for impairment	9,739	3,696
Total allowance for loan and lease losses	9,994	4,131
Individually evaluated for impairment	3,025	2,778
Acquired with deteriorated credit quality	185,580	121,929
Collectively evaluated for impairment	630,914	573,458
Loans and Leases Receivable, Gross, Total	634,103	576,424
Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality	164	188
Residential 1 - 4 Family Real Estate [Member]
Attributable to loans and leases individually evaluated for impairment
Collectively evaluated for impairment	1,683	592
Total allowance for loan and lease losses	1,683	592
Individually evaluated for impairment
Collectively evaluated for impairment	111,001	122,844
Loans and Leases Receivable, Gross, Total	111,061	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	6	93
Collectively evaluated for impairment	6,658	2,443
Total allowance for loan and lease losses	6,664	2,536
Individually evaluated for impairment	1,047	1,499
Collectively evaluated for impairment	373,681	365,988
Loans and Leases Receivable, Gross, Total	374,832	367,614
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality	104	127
Commercial and Agriculture Portfolio Segment [Member]
Attributable to loans and leases individually evaluated for impairment	249	342
Collectively evaluated for impairment	1,266	597
Total allowance for loan and lease losses	1,515	939
Individually evaluated for impairment	1,978	1,279
Collectively evaluated for impairment	139,302	76,379
Loans and Leases Receivable, Gross, Total	141,280	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	132	64
Total allowance for loan and lease losses	132	64
Individually evaluated for impairment
Acquired with deteriorated credit quality	6,930	8,202
Collectively evaluated for impairment	6,930	8,247
Loans and Leases Receivable, Gross, Total	6,930	8,247
Consumer Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Acquired with deteriorated credit quality

Note 4 - Loans and Leases - S_2

Note 4 - Loans and Leases - Summary of the Activity in the Allowance for Loan and Lease Losses of Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Allowance for loan and lease losses beginning balance	$ 4,131	$ 3,527	$ 2,835
Provision for loan and lease losses	6,200	550	450
Losses charged off	(390)	(180)	(197)
Recoveries	53	234	439
Allowance for loan and lease losses ending balance	9,994	4,131	3,527
Impaired Loans [Member]
Allowance for loan and lease losses beginning balance	435	128
Provision for loan and lease losses	(180)	307	128
Losses charged off
Recoveries
Allowance for loan and lease losses ending balance	$ 255	$ 435	$ 128

Note 4 - Loans and Leases - Loa

Note 4 - Loans and Leases - Loans Individually Evaluated for Impairment (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Allowance for loan and lease losses allocated, with an allowance recorded	$ 255	$ 435
Recorded investment	3,025	2,778
Residential 1 - 4 Family Real Estate [Member]
Recorded investment, with no related allowance recorded
Recorded investments, with an allowance recorded
Allowance for loan and lease losses allocated, with an allowance recorded
Commercial and Multi-Family Real Estate [Member]
Recorded investment, with no related allowance recorded	872	822
Recorded investments, with an allowance recorded	165	673
Allowance for loan and lease losses allocated, with an allowance recorded	6	93
Agricultural Real Estate [Member]
Recorded investment, with no related allowance recorded	10	4
Recorded investments, with an allowance recorded
Allowance for loan and lease losses allocated, with an allowance recorded
Commercial Portfolio Segment [Member]
Recorded investment, with no related allowance recorded	425	22
Recorded investments, with an allowance recorded	1,553	1,257
Allowance for loan and lease losses allocated, with an allowance recorded	249	342
Agriculture [Member]
Recorded investment, with no related allowance recorded
Recorded investments, with an allowance recorded
Allowance for loan and lease losses allocated, with an allowance recorded
Consumer Portfolio Segment [Member]
Recorded investment, with no related allowance recorded
Recorded investments, with an allowance recorded
Allowance for loan and lease losses allocated, with an allowance recorded

Note 4 - Loans and Leases - S_3

Note 4 - Loans and Leases - Summary of Nonaccrual Loans and Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Recorded investment, nonaccrual	$ 950	$ 963
Loans and leases past due over 90 days still accruing	60	138
Troubled debt restructurings	1,490	1,618
Residential 1 - 4 Family Real Estate [Member]
Recorded investment, nonaccrual	363	414
Loans and leases past due over 90 days still accruing	60	138
Troubled debt restructurings	175	223
Commercial Real Estate Portfolio Segment [Member]
Recorded investment, nonaccrual	570	545
Loans and leases past due over 90 days still accruing
Troubled debt restructurings	546	623
Agricultural Real Estate [Member]
Recorded investment, nonaccrual	11	4
Loans and leases past due over 90 days still accruing
Troubled debt restructurings
Commercial Portfolio Segment [Member]
Recorded investment, nonaccrual
Loans and leases past due over 90 days still accruing
Troubled debt restructurings	769	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	6
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	Dec. 31, 2020	Dec. 31, 2019
Past due	$ 2,515	$ 3,688
Loans and leases not past due	631,588	572,736
Loans and leases	634,103	576,424
Financial Asset, 30 to 59 Days Past Due [Member]
Past due	1,943	2,888
Financial Asset, 60 to 89 Days Past Due [Member]
Past due	181	458
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due	391	342
Residential 1 - 4 Family Real Estate [Member]
Past due	968	3,130
Loans and leases not past due	110,093	119,775
Loans and leases	111,061	122,905
Residential 1 - 4 Family Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	795	2,709
Residential 1 - 4 Family Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Past due		99
Residential 1 - 4 Family Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due	173	322
Commercial and Multi-Family Real Estate [Member]
Past due	861	494
Loans and leases not past due	330,154	332,161
Loans and leases	331,015	332,655
Commercial and Multi-Family Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	468	177
Commercial and Multi-Family Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Past due	181	302
Commercial and Multi-Family Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due	212	15
Agriculture [Member]
Past due
Loans and leases not past due	9,707	9,770
Loans and leases	9,707	9,770
Agriculture [Member] | Real Estate Loan [Member]
Past due
Loans and leases not past due	43,817	34,959
Loans and leases	43,817	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
Commercial Portfolio Segment [Member]
Past due	676	62
Loans and leases not past due	130,897	67,826
Loans and leases	131,573	67,888
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	676
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		5
Consumer Portfolio Segment [Member]
Past due	10	2
Loans and leases not past due	6,920	8,245
Loans and leases	6,930	8,247
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Past due	4	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	$ 6

Note 4 - Loans and Leases - L_2

Note 4 - Loans and Leases - Loans by Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Loans and Leases Receivable, Gross, Total	$ 634,103	$ 576,424
Pass [Member]
Loans and Leases Receivable, Gross, Total	426,998	447,342
Special Mention [Member]
Loans and Leases Receivable, Gross, Total	7,459	2,207
Substandard [Member]
Loans and Leases Receivable, Gross, Total	14,066	4,946
Doubtful [Member]
Loans and Leases Receivable, Gross, Total
Not Rated [Member]
Loans and Leases Receivable, Gross, Total	185,580	121,929
Residential 1 - 4 Family Real Estate [Member]
Loans and Leases Receivable, Gross, Total	111,061	122,905
Residential 1 - 4 Family Real Estate [Member] | Pass [Member]
Loans and Leases Receivable, Gross, Total	6,767	9,219
Residential 1 - 4 Family Real Estate [Member] | Special Mention [Member]
Loans and Leases Receivable, Gross, Total
Residential 1 - 4 Family Real Estate [Member] | Substandard [Member]
Loans and Leases Receivable, Gross, Total
Residential 1 - 4 Family Real Estate [Member] | Doubtful [Member]
Loans and Leases Receivable, Gross, Total
Residential 1 - 4 Family Real Estate [Member] | Not Rated [Member]
Loans and Leases Receivable, Gross, Total	104,294	113,686
Commercial and Agricultural Real Estate Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	374,832	367,614
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Pass [Member]
Loans and Leases Receivable, Gross, Total	356,163	362,519
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Special Mention [Member]
Loans and Leases Receivable, Gross, Total	6,964	1,797
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Substandard [Member]
Loans and Leases Receivable, Gross, Total	11,536	3,258
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Doubtful [Member]
Loans and Leases Receivable, Gross, Total
Commercial and Agricultural Real Estate Portfolio Segment [Member] | Not Rated [Member]
Loans and Leases Receivable, Gross, Total	169	40
Commercial and Agriculture Loans [Member]
Loans and Leases Receivable, Gross, Total	141,280	77,658
Commercial and Agriculture Loans [Member] | Pass [Member]
Loans and Leases Receivable, Gross, Total	64,068	75,559
Commercial and Agriculture Loans [Member] | Special Mention [Member]
Loans and Leases Receivable, Gross, Total	495	410
Commercial and Agriculture Loans [Member] | Substandard [Member]
Loans and Leases Receivable, Gross, Total	2,530	1,688
Commercial and Agriculture Loans [Member] | Doubtful [Member]
Loans and Leases Receivable, Gross, Total
Commercial and Agriculture Loans [Member] | Not Rated [Member]
Loans and Leases Receivable, Gross, Total	74,187	1
Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	6,930	8,247
Consumer Portfolio Segment [Member] | Pass [Member]
Loans and Leases Receivable, Gross, Total		45
Consumer Portfolio Segment [Member] | Special Mention [Member]
Loans and Leases Receivable, Gross, Total
Consumer Portfolio Segment [Member] | Substandard [Member]
Loans and Leases Receivable, Gross, Total
Consumer Portfolio Segment [Member] | Doubtful [Member]
Loans and Leases Receivable, Gross, Total
Consumer Portfolio Segment [Member] | Not Rated [Member]
Loans and Leases Receivable, Gross, Total	$ 6,930	$ 8,202

Note 4 - Loans and Leases - Per

Note 4 - Loans and Leases - Performance of Loan Portfolio (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Loans receivable	$ 185,580	$ 121,929
Residential Portfolio Segment [Member]
Loans receivable	104,294	113,686
Commercial and Multi-Family Real Estate [Member]
Loans receivable	169	40
Commercial Portfolio Segment [Member]
Loans receivable	74,187	1
Consumer Portfolio Segment [Member]
Loans receivable	6,930	8,202
Performing Financial Instruments [Member]
Loans receivable	185,385	121,590
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	104,121	113,364
Performing Financial Instruments [Member] | Commercial and Multi-Family Real Estate [Member]
Loans receivable	153	24
Performing Financial Instruments [Member] | Commercial Portfolio Segment [Member]
Loans receivable	74,187
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member]
Loans receivable	6,924	8,202
Nonperforming Financial Instruments [Member]
Loans receivable	195	339
Nonperforming Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	173	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	$ 6

Note 4 - Loans and Leases - S_4

Note 4 - Loans and Leases - Summary of Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019USD ($)
Number of modifications	0	3
Recorded investment		$ 1,295
Allowance for loan and lease losses allocated		$ 342
Commercial and Multi-Family Real Estate [Member]
Number of modifications		2
Recorded investment		$ 545
Allowance for loan and lease losses allocated
Commercial Portfolio Segment [Member]
Number of modifications		1
Recorded investment		$ 750
Allowance for loan and lease losses allocated		$ 342

Note 4 - Loans and Leases - Sch

Note 4 - Loans and Leases - Schedule of Loans Acquired in Acquisition (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Performing Financial Instruments [Member] | Benchmark Bancorp, Inc. [Member]
Contractual principal receivable, beginning balance	$ 58,953	$ 74,837
Accretable difference, beginning balance	(1,177)	(1,553)
Carrying amount, beginning balance	57,776	73,284
Contractual principal receivable, change due to payments received	(21,567)	(15,884)
Accretable difference, change due to payments received	522	376
Carrying amount, change due to payments received	(21,045)	(15,508)
Contractual principal receivable, ending balance	37,386	58,953
Accretable difference, ending balance	(655)	(1,177)
Carrying amount, ending balance	36,731	57,776
Performing Financial Instruments [Member] | Ohio State Bancshares Inc [Member]
Contractual principal receivable, beginning balance	13,047	19,043
Accretable difference, beginning balance	(430)	(658)
Carrying amount, beginning balance	12,617	18,385
Contractual principal receivable, change due to payments received	(2,866)	(5,996)
Accretable difference, change due to payments received	111	228
Carrying amount, change due to payments received	(2,755)	(5,768)
Contractual principal receivable, ending balance	10,181	13,047
Accretable difference, ending balance	(319)	(430)
Carrying amount, ending balance	9,862	12,617
Nonperforming Financial Instruments [Member] | Benchmark Bancorp, Inc. [Member]
Contractual principal receivable, beginning balance	354	516
Accretable difference, beginning balance	(192)	(253)
Carrying amount, beginning balance	162	263
Contractual principal receivable, change due to payments received	(67)	(162)
Accretable difference, change due to payments received	19	61
Carrying amount, change due to payments received	(48)	(101)
Contractual principal receivable, ending balance	287	354
Accretable difference, ending balance	(173)	(192)
Carrying amount, ending balance	114	162
Nonperforming Financial Instruments [Member] | Ohio State Bancshares Inc [Member]
Contractual principal receivable, beginning balance	160	196
Accretable difference, beginning balance	(134)	(163)
Carrying amount, beginning balance	26	33
Contractual principal receivable, change due to payments received	(51)	(21)
Accretable difference, change due to payments received	75	14
Carrying amount, change due to payments received	24	(7)
Contractual principal receivable, ending balance	109	160
Accretable difference, ending balance	(59)	(134)
Carrying amount, ending balance	$ 50	26
Contractual principal receivable, change due to loan charge-offs		(15)
Contractual principal receivable, ending balance		15
Accretable difference, ending balance

Note 4 - Loans and Leases - S_5

Note 4 - Loans and Leases - Summary of Related Party Loans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Beginning of year	$ 1,154,000	$ 1,371,000	$ 491,000
Additions	4,000		952,000
Repayments	(193,000)	(217,000)	(72,000)
End of year	$ 965,000	$ 1,154,000	$ 1,371,000

Note 5 - Premises and Equipme_3

Note 5 - Premises and Equipment (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Depreciation, Total	$ 1,028,000	$ 932,000	$ 893,000

Note 5 - Premises and Equipme_4

Note 5 - Premises and Equipment - Summary of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Premises and equipment, gross	$ 28,829	$ 27,253
Less accumulated depreciation	9,488	8,464
Premises and equipment, net	19,341	18,789
Land and Land Improvements [Member]
Premises and equipment, gross	4,069	4,069
Building [Member]
Premises and equipment, gross	17,596	17,327
Equipment [Member]
Premises and equipment, gross	$ 7,164	$ 5,857

Note 6 - Servicing (Details Tex

Note 6 - Servicing (Details Textual)	24 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018
Unpaid Principal Balance of Loans Serviced for Others	$ 234,897,000	$ 175,742,000
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Incremental Increase Based on Loan Count	1
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Factor	365	214	136
Measurement Input, Inflation Rate of Servicing Costs [Member]
Servicing Asset, Measurement Input	0.03
Measurement Input, Earnings Rate [Member]
Servicing Asset, Measurement Input	0.0025	0.0025	0.0025
Minimum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	11.00%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Servicing Costs	76
Maximum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate	13.00%
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Servicing Costs	91

Note 6 - Servicing - Summary of

Note 6 - Servicing - Summary of Mortgage Servicing Rights Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Balance at beginning of year	$ 1,061	$ 1,313	$ 1,270
Capitalized servicing rights – new loan sales	690	192	164
Disposals (amortization based on loan payments and payoffs)	(326)	(186)	(147)
Change in fair value	(293)	(258)	26
Balance at end of year	$ 1,132	$ 1,061	$ 1,313

Note 7 - Deposits (Details Text

Note 7 - Deposits (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Time Deposits, at or Above FDIC Insurance Limit	$ 13,228,000	$ 15,568,000
Interest Expense, Time Deposits, Above FDIC Insurance Limit	186,000	239,000	$ 120,000
Time Deposits, Total	152,331,000
Time Deposit Maturities, Year One	109,109,000
Time Deposit Maturities, Year Two	35,287,000
Time Deposit Maturities, Year Three	4,011,000
Time Deposit Maturities, Year Four	2,199,000
Time Deposit Maturities, Year Five	1,634,000
Time Deposit Maturities, after Year Five	91,000
Related Party Deposit Liabilities	$ 6,900,000	$ 5,536,000

Note 8 - Other Borrowings (Deta

Note 8 - Other Borrowings (Details Textual)	12 Months Ended
	Dec. 31, 2020USD ($)
Line of Credit Facility, Remaining Borrowing Capacity	$ 155,878,000
Long-Term Debt, Maturity, Year One	1,000,000
Long-Term Debt, Maturity, Year Two	6,750,000
Federal Home Loan Bank Advances [Member]
Prepayment Penalty Expense	$ 1,086,000

Note 8 - Other Borrowings - Com

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

Note 8 - Other Borrowings - C_2

Note 8 - Other Borrowings - Composition of Other Borrowings (Details) (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 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	2.13%	2.99%
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 9 - Junior Subordinated _2

Note 9 - Junior Subordinated Deferrable Interest Debentures (Details Textual)	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
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	$ 12,942,000	$ 12,908,000
Subordinated Borrowing, Interest Rate	3.40%	5.10%	5.97%
Subordinated Debenture, Default, Interest Payment Deferment Quarterly Periods	20
Other Long-term Debt, Total	$ 2,642,000	$ 2,608,000
Interest Expense, Debt, Total	$ 526,000	$ 728,000	$ 697,000
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	3.06%	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 10 - Other Operating Exp_3

Note 10 - Other Operating Expenses - Summary of Other Operating Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Data processing	$ 1,801	$ 1,478	$ 1,318
Professional fees	1,294	1,001	817
Ohio Financial Institution tax	635	552	505
Advertising, Sponsorship, and Charitable Contributions	2,077	1,802	1,786
ATM processing and other fees	745	764	663
Amortization of core deposit intangible assets	151	159	173
Postage	93	69	50
Stationery and supplies	146	164	179
FDIC assessment	231	79	264
Loan closing fees	2,035	1,354	921
Other real estate owned		3	12
Deposit losses	47	52	63
Other	2,153	1,801	1,627
Total other operating expenses	$ 11,408	$ 9,278	$ 8,378

Note 11 - Income Taxes (Details

Note 11 - Income Taxes (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Sep. 08, 2017	Nov. 30, 2014
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	21.00%	21.00%
Deferred Income Tax Expense (Benefit), Total	$ (789,000)	$ 529,000	$ 1,740,000
Unrecognized Tax Benefits, Ending Balance	0	0
Deferred Tax Assets, Valuation Allowance, Total	0	0
Unrecognized Tax Benefits, Interest on Income Taxes Accrued	$ 0	$ 0
Domestic Tax Authority [Member] | Internal Revenue Service (IRS) [Member]
Open Tax Year	2017 2018 2019 2020
Ohio State Bancshares Inc [Member]
Operating Loss Carryforwards, Total					$ 15,000,000
Federal Loss Carryforwards, Limit to Amount Each Year	$ 126,000
Unrecognized Tax Benefits, Ending Balance	$ 2,500,000
Ohio State Bancshares Inc [Member] | Minimum [Member]
Tax Credit Carryforward, Expiration Date	Jan. 1, 2029
Ohio State Bancshares Inc [Member] | Maximum [Member]
Tax Credit Carryforward, Expiration Date	Dec. 31, 2033
Benchmark Bancorp, Inc. [Member]
Operating Loss Carryforwards, Total				$ 8,900,000
Federal Loss Carryforwards, Limit to Amount Each Year	$ 652,000
Benchmark Bancorp, Inc. [Member] | Minimum [Member]
Tax Credit Carryforward, Expiration Date	Jan. 1, 2029
Benchmark Bancorp, Inc. [Member] | Maximum [Member]
Tax Credit Carryforward, Expiration Date	Dec. 31, 2036
Ohio State Bancshares Inc and Benchmark Bancorp, Inc. [Member]
Operating Loss Carryforwards, Total	$ 4,100,000
Deferred Tax Assets, Tax Credit Carryforwards, Total	$ 853,000

Note 11 - Income Taxes - Summar

Note 11 - Income Taxes - Summary of Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Current	$ 3,711	$ 1,086	$ (211)
Deferred	(789)	529	1,740
Total provision for income taxes	$ 2,922	$ 1,615	$ 1,529

Note 11 - Income Taxes - Schedu

Note 11 - Income Taxes - Schedule of Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Expected tax using statutory tax rate	$ 3,502	$ 2,578	$ 2,047
Tax-exempt income on state and municipal securities and political subdivision loans	(472)	(386)	(358)
Tax-exempt income on life insurance contracts	(77)	(82)	(83)
Deductible dividends paid to United Bancshares, Inc. ESOP	(44)	(42)	(37)
Tax-exempt settlement		(416)
Other, net	13	(37)	(40)
Total provision for income taxes	$ 2,922	$ 1,615	$ 1,529

Note 11 - Income Taxes - Summ_2

Note 11 - Income Taxes - Summary of Deferred Tax Assets and Deferred Tax Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Allowance for loan losses	$ 2,099	$ 868
Deferred compensation	330	312
Nonaccrual loan interest	162	212
Deferred loan fees	437	130
Accrued vacation expense	101	96
Accrued profit sharing	181	123
Loans fair value adjustments	306	421
Other	198	124
Net operating loss carryforwards	853	1,285
Total deferred tax assets	4,667	3,571
Federal Home Loan Bank stock dividends	526	526
Unrealized gain on securities available for sale	1,956	764
Capitalized mortgage servicing rights	238	223
Fixed asset depreciation	673	424
Acquisition intangibles	1,897	1,907
Trust preferred fair value adjustment	72	77
Other	125	67
Total deferred tax liabilities	5,487	3,988
Net deferred tax liabilities	$ (820)	$ (417)

Note 12 - Employee and Direct_2

Note 12 - Employee and Director Benefits (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Defined Contribution Plan, Cost	$ 1,478,000	$ 1,201,000	$ 1,025,000
Shares Held in Employee Stock Option Plan, Allocated (in shares)	417,447
Liability, Defined Benefit Plan, Noncurrent, Total	$ 1,571,000	1,484,000
Cash Surrender Value of Life Insurance	$ 18,981,000	$ 18,613,000
Stock Issued During Period, Shares, Employee Stock Purchase Plans (in shares)	3,889	2,957	1,715

Note 13 - Financial Instrumen_3

Note 13 - Financial Instruments with Off-balance Sheet Risk - Financial Instruments with Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Commitments to extend credit	$ 155,745	$ 132,605
Letters of credit	$ 533	$ 615

Note 14 - Regulatory Matters (D

Note 14 - Regulatory Matters (Details Textual)	Dec. 31, 2020
Capital Required for Capital Adequacy to Risk Weighted Assets	0.08

Note 14 - Regulatory Matters -

Note 14 - Regulatory Matters - Summary of Compliance With Minimum Capital Requirements (Details) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Bank [Member]
Common equity tier 1 capital		$ 91,118	$ 80,277
Common equity tier 1 to risk weighted assets		0.145	0.126
Common equity tier 1 capital, minimum capital requirement		$ 43,929	$ 44,464
Common equity tier 1 capital, minimum capital requirement, to risk weighted assets	[1]	7.00%	7.00%
Common equity tier 1 capital, minimum required to be well capitalized under prompt corrective action provisions		$ 40,791	$ 41,288
Common equity tier 1 capital, minimum required to be well capitalized under prompt correction action provisions, to risk-weighted assets		6.50%	6.50%
Total capital		$ 98,992	$ 84,493
Total capital to risk weighted assets		0.158	0.133
Total capital, minimum capital requirement		$ 65,894	$ 66,697
Total capital, minimum required to be well capitalized under prompt corrective action provisions	[1]	10.50%	10.50%
Total capital, to risk-weighted assets, minimum required to be well capitalized under prompt corrective actions		$ 62,756	$ 63,521
Total capital, to risk-weighted assets, minimum required to be capitalized under prompt corrective action provisions ratio		0.1	0.1
Tier 1 capital		$ 91,118	$ 80,277
Tier 1 capital to risk weighted assets		0.145	0.126
Tier 1 capital, minimum capital requirement		$ 53,343	$ 53,992
Tier 1 capital, minimum required to be well capitalized under prompt corrective action provisions	[1]	8.50%	8.50%
Tier 1 capital, to risk-weighted assets, minimum required to be well capitalized under prompt corrective action provisions		$ 50,205	$ 50,816
Total capital to risk-weighted assets minimum required to be well capitalized under prompt corrective action provisions, ratio		0.08	0.08
Tier 1 capital		$ 91,118	$ 80,277
Tier 1 capital to average assets		0.094	0.093
Tier 1 capital, minimum capital requirement		$ 38,776	$ 34,454
Tier 1 capital, minimum required to be well capitalized under prompt corrective action provisions	[1]	4.00%	4.00%
Tier 1 capital, to average assets, minimum required to be well capitalized under prompt corrective action provisions		$ 48,471	$ 43,068
Total capital, to risk-weighted assets, minimum required to be well capitalized under prompt corrective action provisions ratio		0.05	0.05
Consolidated Entities [Member]
Common equity tier 1 capital		$ 86,584	$ 73,938
Common equity tier 1 to risk weighted assets		0.138	0.116
Common equity tier 1 capital, minimum capital requirement		$ 44,040	$ 44,634
Common equity tier 1 capital, minimum capital requirement, to risk weighted assets	[1]	7.00%	7.00%
Total capital		$ 96,578	$ 78,069
Total capital to risk weighted assets		0.154	0.122
Total capital, minimum capital requirement		$ 66,059	$ 66,950
Total capital, minimum required to be well capitalized under prompt corrective action provisions	[1]	10.50%	10.50%
Tier 1 capital		$ 86,584	$ 73,938
Tier 1 capital to risk weighted assets		0.138	0.116
Tier 1 capital, minimum capital requirement		$ 53,477	$ 54,198
Tier 1 capital, minimum required to be well capitalized under prompt corrective action provisions	[1]	8.50%	8.50%
Tier 1 capital		$ 86,584	$ 73,938
Tier 1 capital to average assets		0.092	0.089
Tier 1 capital, minimum capital requirement		$ 37,489	$ 33,233
Tier 1 capital, minimum required to be well capitalized under prompt corrective action provisions	[1]	4.00%	4.00%
[1]	Includes capital conservation buffer of 2.5% as of December 31, 2020

Note 15 - Condensed Parent Co_3

Note 15 - Condensed Parent Company Financial Information (Details Textual) - shares shares in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Treasury Stock, Shares, Acquired (in shares)	0	4,220	0

Note 15 - Condensed Parent Co_4

Note 15 - Condensed Parent Company Financial Information - Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash	$ 57,034	$ 26,412
Other assets	11,203	10,283
Total assets	978,532	880,014
Junior subordinated deferrable interest debentures	12,942	12,908
Other Borrowings	7,750	58,750
Other liabilities	7,863	6,441
Total Liabilities	866,933	785,233
Shareholders' equity	111,599	94,781	$ 80,944	$ 75,704
Total liabilities and shareholders’ equity	978,532	880,014
Parent Company [Member]
Cash	1,845	879
Investment in bank subsidiary	129,070	114,029
Other assets	1,576	2,419
Total assets	132,491	117,327
Junior subordinated deferrable interest debentures	12,942	12,908
Other Borrowings	7,750	8,750
Other liabilities	200	888
Total Liabilities	20,892	22,546
Shareholders' equity	111,599	94,781
Total liabilities and shareholders’ equity	$ 132,491	$ 117,327

Note 15 - Condensed Parent Co_5

Note 15 - Condensed Parent Company Financial Information - Condensed Statement of Income (Details) - USD ($) $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Litigation Settlement	[1]										$ 1,980
Income before equity in undistributed net income of bank subsidiary										16,677	12,276	9,749
Net income		$ 1,749	$ 5,250	$ 5,668	$ 1,088	$ 4,144	$ 2,418	$ 2,285	$ 1,814	13,755	10,661	8,220
Parent Company [Member]
Income – dividends from bank subsidiary										4,500		4,500
Litigation Settlement											1,980
Expenses – interest, professional fees and other expenses, net of federal income tax benefit and interest income										(1,150)	(1,313)	(1,346)
Income before equity in undistributed net income of bank subsidiary										3,350	667	3,154
Equity in undistributed net income of bank subsidiary										10,405	9,994	5,066
Net income										$ 13,755	$ 10,661	$ 8,220
[1]	Not within the scope of ASC 606

Note 15 - Condensed Parent Co_6

Note 15 - Condensed Parent Company Financial Information - Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Net income	$ 1,749	$ 5,250	$ 5,668	$ 1,088	$ 4,144	$ 2,418	$ 2,285	$ 1,814	$ 13,755	$ 10,661	$ 8,220
Stock option expense									164	266	165
Depreciation and amortization									1,499	1,240	1,052
(Increase) decrease in other assets									(1,248)	(1,259)	(944)
Net cash provided by operating activities									17,217	3,623	5,149
Acquisition of Benchmark											(3,413)
Principal payments on other borrowings									(51,000)	(6,693)	(22,398)
Purchase of treasury stock										(95)
Proceeds from sale of treasury shares									95	71	39
Cash paid for cancellation of stock options									(11)
Cash dividends paid									(1,668)	(1,702)	(1,568)
Net cash used in financing activities									78,536	32,390	42,494
Net increase (decrease) in cash									30,622	9,937	(10,799)
Cash at beginning of the year				26,412				16,475	26,412	16,475	27,274
Cash at end of the year	57,034				26,412				57,034	26,412	16,475
Parent Company [Member]
Net income									13,755	10,661	8,220
Equity in undistributed net income of bank subsidiary									(10,405)	(9,994)	(5,066)
Stock option expense									164	266	165
Depreciation and amortization									34	34	34
(Increase) decrease in other assets									843	(1,221)	969
Increase (decrease) in other liabilities									(841)	421	40
Net cash provided by operating activities									3,550	167	4,362
Acquisition of Benchmark											(3,413)
Principal payments on other borrowings									(1,000)	(1,000)	(250)
Purchase of treasury stock										(95)
Proceeds from sale of treasury shares									95	71	39
Cash paid for cancellation of stock options									(11)
Cash dividends paid									(1,668)	(1,702)	(1,568)
Net cash used in financing activities									(2,584)	(2,726)	(1,779)
Net increase (decrease) in cash									966	(2,559)	(830)
Cash at beginning of the year				$ 879				$ 3,438	879	3,438	4,268
Cash at end of the year	$ 1,845				$ 879				$ 1,845	$ 879	$ 3,438

Note 16 - Fair Value Measurem_3

Note 16 - Fair Value Measurements (Details Textual) $ in Thousands	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Financial Liabilities Fair Value Disclosure, Total	$ 858,050	$ 776,957
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
Measurement Input, Cost to Sell [Member] | Minimum [Member]
Impaired Loans, Measurement Input	0.1
Measurement Input, Cost to Sell [Member] | Maximum [Member]
Impaired Loans, Measurement Input	0.3
Other Real Estate Owned, Measurement Input	0.2
Measurement Input, Appraised Value [Member] | Minimum [Member]
Other Real Estate Owned, Measurement Input	0.1
Fair Value, Recurring [Member]
Financial Liabilities Fair Value Disclosure, Total	$ 0	$ 0

Note 16 - Fair Value Measurem_4

Note 16 - Fair Value Measurements - Financial Assets Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Available-for-sale securities, Fair Value	$ 194,580	$ 183,611
Mortgage servicing rights	1,132	1,061	$ 1,313	$ 1,270
Total recurring	905,644	805,593
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, Fair Value	99,805	72,554
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, Fair Value	93,611	110,041
Other Debt Obligations [Member]
Available-for-sale securities, Fair Value	1,164	1,016
Fair Value, Recurring [Member]
Mortgage servicing rights	1,132	1,061
Total recurring	195,712	184,672
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, Fair Value	99,805	72,554
Fair Value, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, Fair Value	93,611	110,041
Fair Value, Recurring [Member] | Other Debt Obligations [Member]
Available-for-sale securities, Fair Value	1,164	1,016
Fair Value, Nonrecurring [Member]
Impaired Loans	1,463	1,495
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member]
Mortgage servicing rights
Total recurring	1,162	1,014
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, Fair Value
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, Fair Value
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | Other Debt Obligations [Member]
Available-for-sale securities, Fair Value	1,162	1,014
Fair Value, Inputs, Level 1 [Member] | Fair Value, Nonrecurring [Member]
Impaired Loans
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member]
Mortgage servicing rights
Total recurring	193,418	182,597
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, Fair Value	99,805	72,554
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, Fair Value	93,611	110,041
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Other Debt Obligations [Member]
Available-for-sale securities, Fair Value	2	2
Fair Value, Inputs, Level 2 [Member] | Fair Value, Nonrecurring [Member]
Impaired Loans
Fair Value, Inputs, Level 3 [Member]
Mortgage servicing rights	1,132	1,061	$ 1,313	$ 1,270
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member]
Mortgage servicing rights	1,132	1,061
Total recurring	1,132	1,061
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, Fair Value
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-for-sale securities, Fair Value
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Other Debt Obligations [Member]
Available-for-sale securities, Fair Value
Fair Value, Inputs, Level 3 [Member] | Fair Value, Nonrecurring [Member]
Impaired Loans	$ 1,463	$ 1,495

Note 16 - Fair Value Measurem_5

Note 16 - Fair Value Measurements - Reconciliation and Income Statement Classification of Gains and Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Balance at beginning of year	$ 1,061	$ 1,313	$ 1,270
Capitalized servicing rights – new loan sales	690	192	164
Disposals (amortization based on loan payments and payoffs)	(326)	(186)	(147)
Change in fair value	(293)	(258)	26
Balance at end of year	1,132	1,061	1,313
Fair Value, Inputs, Level 3 [Member]
Balance at beginning of year	1,061	1,313	1,270
Capitalized servicing rights – new loan sales	690	192	164
Disposals (amortization based on loan payments and payoffs)	(326)	(186)	(147)
Change in fair value	(293)	(258)	26
Balance at end of year	$ 1,132	$ 1,061	$ 1,313

Note 17 - Fair Value of Finan_3

Note 17 - Fair Value of Financial Instruments (Details Textual) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Other Commitment, Total	$ 155,745,000	$ 132,605,000
Commitments to Extend Credit [Member]
Other Commitment, Total	$ 156,385,000	$ 133,220,000

Note 17 - Fair Value of Finan_4

Note 17 - Fair Value of Financial Instruments - Carrying Amounts and Estimated Fair Values of Recognized Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Mortgage servicing rights	$ 1,132	$ 1,061	$ 1,313	$ 1,270
Total financial assets	905,644	805,593
Total financial liabilities	858,050	776,957
Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	57,034	26,412
Fair Value, Inputs, Level 1 [Member] | Non-Maturity Deposits [Member]
Deposits	686,047	509,743
Fair Value, Inputs, Level 3 [Member]
Loans held for sale	18,427	15,301
Net loans and leases	625,628	572,936
Mortgage servicing rights	1,132	1,061	$ 1,313	$ 1,270
Hedging assets	3,245	970
Other borrowings	7,750	58,692
Junior subordinated deferrable interest debentures	10,300	11,067
Hedging liabilities	616	27
Fair Value, Inputs, Level 3 [Member] | Maturity Deposits [Member]
Deposits	153,337	197,428
Fair Value, Inputs Level 2 and Level 3 [Member]
Securities, including FHLB stock	200,178	188,913
Reported Value Measurement [Member]
Total financial assets	904,125	804,950
Total financial liabilities	859,686	778,819
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	57,034	26,412
Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member] | Non-Maturity Deposits [Member]
Deposits	686,047	509,743
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale	18,427	15,301
Net loans and leases	624,109	572,293
Mortgage servicing rights	1,132	1,061
Hedging assets	3,245	970
Other borrowings	7,750	58,750
Junior subordinated deferrable interest debentures	12,942	12,908
Hedging liabilities	616	27
Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member] | Maturity Deposits [Member]
Deposits	152,331	197,391
Reported Value Measurement [Member] | Fair Value, Inputs Level 2 and Level 3 [Member]
Securities, including FHLB stock	$ 200,178	$ 188,913

Note 18 - Revenue Recognition -

Note 18 - Revenue Recognition - Non-interest Income (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Revenues		$ 1,102	$ 1,486	$ 1,610
Gain on sale of loans	[1]	24,139	9,071	4,675
Net securities gains (losses)	[1]	289	4	(6)
Change in fair value of mortgage servicing rights	[1]	(293)	(258)	26
Increase in cash surrender value of life insurance	[1]	368	390	395
Litigation Settlement	[1]		1,980
Net loan servicing fees	[1]	262	327	375
Other non-interest income		(700)	312	728
Total non-interest income		27,000	15,048	9,428
Deposit Account [Member]
Revenues		1,102	1,486	1,610
Credit and Debit Card [Member]
Revenues		1,514	1,443	1,388
Investment Advisory, Management and Administrative Service [Member]
Revenues		$ 319	$ 293	$ 237
[1]	Not within the scope of ASC 606

Note 19 - Leasing Arrangement_2

Note 19 - Leasing Arrangements (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Operating Lease, Expense	$ 424,000	$ 314,000	$ 158,000
Other Assets [Member]
Operating Lease, Right-of-Use Asset	1,867,000	2,112,000
Other Liabilities [Member]
Operating Lease, Liability, Total	$ 1,867,000	$ 2,112,000

Note 19 - Leasing Arrangement_3

Note 19 - Leasing Arrangements - Schedule of Future Minimum Rental Payments (Details) $ in Thousands	Dec. 31, 2020USD ($)
2021	$ 325
2022	290
2023	292
2024	294
2025	268
Thereafter	891
Total	$ 2,360

Note 20 - Stock-based Compens_3

Note 20 - Stock-based Compensation (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in shares)	63,858	33,853	31,267
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	$ 23.30
Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in shares)	63,858	33,853	31,267
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price (in dollars per share)	$ 19.83	$ 22.97	$ 23.30
Share-based Payment Arrangement, Expense, after Tax	$ 164,000	$ 266,000	$ 165,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested, Number of Shares (in shares)	68,269
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
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)	3 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term (Year)	8 years 40 days
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount	$ 308,000	$ 223,000	$ 175,000
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Month)	3 years	3 years	3 years

Note 20 - Stock-based Compens_4

Note 20 - Stock-based Compensation - Summary of Activity for Stock Options (Details) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Outstanding, beginning of year (in shares)	117,647	93,069	63,503
Granted (in shares)	63,858	33,853	31,267
Exercised (in shares)
Cancelled (in shares)	(2,955)
Forfeited (in shares)	(20,733)	(9,275)	(1,701)
Outstanding, end of year (in shares)	157,817	117,647	93,069
Weighted average exercise price at end of year (in dollars per share)	$ 19.83	$ 21.81	$ 21.39

Note 20 - Stock-based Compens_5

Note 20 - Stock-based Compensation - Schedule of Assumptions Used In Calculating the Fair Value of Options Granted (Details) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Weighted-average fair value of options granted (in dollars per share)	$ 4.83	$ 7.77	$ 7.87
Average dividend yield	2.93%	2.26%	2.18%
Expected volatility	40.00%	40.00%	40.00%
Rick-free interest rate	0.49%	1.93%	2.81%
Expected term (years) (Year)	7 years	7 years	7 years
Granted (in shares)	63,858	33,853	31,267
Exercise Price (in dollars per share)	$ 16.77	$ 22.97	$ 23.30

Note 22 - Quarterly Financial_3

Note 22 - Quarterly Financial Data (Unaudited) - Summary of Unaudited Quarterly Financial Data (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Interest income	$ 10,619	$ 10,100	$ 10,079	$ 9,232	$ 9,768	$ 9,595	$ 9,470	$ 8,986
Net interest income	8,933	8,398	8,587	7,124	7,444	7,271	7,245	6,935	$ 33,042	$ 28,895	$ 28,207
Net income	$ 1,749	$ 5,250	$ 5,668	$ 1,088	$ 4,144	$ 2,418	$ 2,285	$ 1,814	$ 13,755	$ 10,661	$ 8,220
Net income per share, basic (in dollars per share)	$ 0.54	$ 1.61	$ 1.73	$ 0.33	$ 1.27	$ 0.74	$ 0.70	$ 0.55	$ 4.21	$ 3.26	$ 2.51
Net income per share, diluted (in dollars per share)	$ 0.53	$ 1.60	$ 1.71	$ 0.32	$ 1.26	$ 0.74	$ 0.70	$ 0.55	$ 4.16	$ 3.25	$ 2.51