Southern First Bancshares (SFST) 10-Q 2 Nov 20 2020 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2020	Oct. 23, 2020
Document and Entity Information [Abstract]
Entity Central Index Key	0001090009
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
Amendment Flag	false
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Sep. 30, 2020
Entity File Number	000-27719
Entity Registrant Name	Southern First Bancshares, Inc.
Entity Incorporation, State or Country Code	SC
Entity Tax Identification Number	58-2459561
Entity Address, Address Line One	100 Verdae Boulevard
Entity Address, Address Line Two	Suite 100
Entity Address, City or Town	Greenville
Entity Address, State or Province	SC
Entity Address, Postal Zip Code	29607
City Area Code	864
Local Phone Number	679-9000
Title of 12(b) Security	Common Stock
Trading Symbol	SFST
Name of Exchange on which Security is Registered	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		7,737,594

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Cash and cash equivalents:
Cash and due from banks	$ 14,916	$ 19,196
Federal funds sold	83,106	89,256
Interest-bearing deposits with banks	64,893	19,364
Total cash and cash equivalents	162,915	127,816
Investment securities:
Investment securities available for sale	87,991	67,694
Other investments	2,589	6,948
Total investment securities	90,580	74,642
Mortgage loans held for sale	63,823	27,046
Loans	2,078,540	1,943,525
Less allowance for loan losses	(42,219)	(16,642)
Loans, net	2,036,321	1,926,883
Bank owned life insurance	40,821	40,011
Property and equipment, net	61,386	58,478
Deferred income taxes	6,510	4,275
Other assets	17,055	8,044
Total assets	2,479,411	2,267,195
LIABILITIES
Deposits	2,181,056	1,876,124
Federal Home Loan Bank advances and other borrowings		110,000
Subordinated debentures	35,971	35,890
Other liabilities	43,635	39,321
Total liabilities	2,260,662	2,061,335
SHAREHOLDERS' EQUITY
Preferred stock, par value $.01 per share, 10,000,000 shares authorized
Common stock, par value $.01 per share, 10,000,000 shares authorized, 7,737,594 and 7,672,678 shares issued and outstanding at September 30, 2020 and December 31, 2019, respectively	77	77
Nonvested restricted stock	(989)	(803)
Additional paid-in capital	108,337	106,152
Accumulated other comprehensive income (loss)	865	(298)
Retained earnings	110,459	100,732
Total shareholders' equity	218,749	205,860
Total liabilities and shareholders' equity	$ 2,479,411	$ 2,267,195

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Sep. 30, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	7,737,594	7,672,678
Common stock, shares outstanding	7,737,594	7,672,678

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest income
Loans	$ 23,042	$ 22,817	$ 69,963	$ 65,804
Investment securities	310	576	1,090	1,664
Federal funds sold and interest-bearing deposits with banks	63	663	218	1,288
Total interest income	23,415	24,056	71,271	68,756
Interest expense
Deposits	2,393	6,409	11,195	17,959
Borrowings	385	368	1,569	1,161
Total interest expense	2,778	6,777	12,764	19,120
Net interest income	20,637	17,279	58,507	49,636
Provision for loan losses	11,100	650	27,300	1,250
Net interest income after provision for loan losses	9,537	16,629	31,207	48,386
Noninterest income
Mortgage banking income	6,277	3,055	14,721	7,741
Service fees on deposit accounts	211	271	670	802
ATM and debit card income	465	464	1,258	1,287
Income from bank owned life insurance	270	282	810	720
Other income	361	324	3,249	930
Total noninterest income	7,584	4,396	20,708	11,480
Noninterest expenses
Compensation and benefits	8,894	7,668	25,216	21,850
Occupancy	1,602	1,416	4,635	4,099
Real estate owned expenses	673		673
Outside service and data processing costs	1,225	1,073	3,646	3,078
Insurance	377	145	995	743
Professional fees	568	399	1,591	1,252
Marketing	176	237	535	733
Other	668	546	1,907	1,745
Total noninterest expenses	14,183	11,484	39,198	33,500
Income before income tax expense	2,938	9,541	12,717	26,366
Income tax expense	721	2,129	2,990	5,705
Net income available to common shareholders	$ 2,217	$ 7,412	$ 9,727	$ 20,661
Earnings per common share
Basic	$ 0.29	$ 0.98	$ 1.26	$ 2.75
Diluted	$ 0.28	$ 0.95	$ 1.24	$ 2.66
Weighted average common shares outstanding
Basic	7,732,293	7,548,184	7,711,181	7,501,337
Diluted	7,815,265	7,780,504	7,820,345	7,759,611

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 2,217	$ 7,412	$ 9,727	$ 20,661
Unrealized gain on securities available for sale:
Unrealized holding gain arising during the period, pretax	77	301	1,472	1,705
Tax expense	(17)	(64)	(309)	(358)
Reclassification of realized gain		(2)		(8)
Tax expense		1		2
Other comprehensive income	60	236	1,163	1,341
Comprehensive income	$ 2,277	$ 7,648	$ 10,890	$ 22,002

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Unaudited) - USD ($) $ in Thousands	Common stock [Member]	Preferred stock [Member]	Nonvested Restricted Stock [Member]	Additional paid-in capital [Member]	Accumulated other comprehensive income (loss) [Member]	Retained earnings [Member]	Total
Balance at Dec. 31, 2018	$ 75		$ (741)	$ 102,625	$ (917)	$ 72,874	$ 173,916
Balance, shares at Dec. 31, 2018	7,466,481
Net income						20,661	20,661
Proceeds from exercise of stock options	$ 1			1,315			1,316
Proceeds from exercise of stock options, shares	137,338
Issuance of restricted stock			(490)	490
Issuance of restricted stock, shares	14,700
Compensation expense related to restricted stock, net of tax			312				312
Compensation expense related to stock options, net of tax				948			948
Other comprehensive income					1,341		1,341
Balance at Sep. 30, 2019	$ 76		(919)	105,378	424	93,535	198,494
Balance, shares at Sep. 30, 2019	7,618,519
Balance at Jun. 30, 2019	$ 76		(887)	104,354	188	86,123	189,854
Balance, shares at Jun. 30, 2019	7,557,923
Net income						7,412	7,412
Proceeds from exercise of stock options				557			557
Proceeds from exercise of stock options, shares	56,596
Issuance of restricted stock			(143)	143
Issuance of restricted stock, shares	4,000
Compensation expense related to restricted stock, net of tax			111				111
Compensation expense related to stock options, net of tax				324			324
Other comprehensive income					236		236
Balance at Sep. 30, 2019	$ 76		(919)	105,378	424	93,535	198,494
Balance, shares at Sep. 30, 2019	7,618,519
Balance at Dec. 31, 2019	$ 77		(803)	106,152	(298)	100,732	205,860
Balance, shares at Dec. 31, 2019	7,672,678
Net income						9,727	9,727
Proceeds from exercise of stock options				963			963
Proceeds from exercise of stock options, shares	52,716
Issuance of restricted stock			(494)	494
Issuance of restricted stock, shares	12,200
Compensation expense related to restricted stock, net of tax			308				308
Compensation expense related to stock options, net of tax				728			728
Other comprehensive income					1,163		1,163
Balance at Sep. 30, 2020	$ 77		(989)	108,337	865	110,459	218,749
Balance, shares at Sep. 30, 2020	7,737,594
Balance at Jun. 30, 2020	$ 77		(1,001)	108,031	805	108,242	216,154
Balance, shares at Jun. 30, 2020	7,734,644
Net income						2,217	2,217
Proceeds from exercise of stock options				1			1
Proceeds from exercise of stock options, shares	250
Issuance of restricted stock			(88)	88
Issuance of restricted stock, shares	2,700
Compensation expense related to restricted stock, net of tax			100				100
Compensation expense related to stock options, net of tax				217			217
Other comprehensive income					60		60
Balance at Sep. 30, 2020	$ 77		$ (989)	$ 108,337	$ 865	$ 110,459	$ 218,749
Balance, shares at Sep. 30, 2020	7,737,594

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Operating activities
Net income	$ 9,727	$ 20,661
Adjustments to reconcile net income to cash provided by (used for) operating activities:
Provision for loan losses	27,300	1,250
Depreciation and other amortization	1,569	1,390
Accretion and amortization of securities discounts and premium, net	497	293
Write-down of real estate owned	513
Net change in operating leases	157	534
Compensation expense related to stock options and restricted stock grants	1,036	1,260
Gain on sale of loans held for sale	(14,377)	(7,456)
Loans originated and held for sale	(412,069)	(276,018)
Proceeds from sale of loans held for sale	389,669	252,085
Increase in cash surrender value of bank owned life insurance	(810)	(720)
Increase in deferred tax asset	(2,545)	(5,306)
Increase in other assets	(7,345)	(178)
Increase in other liabilities	3,419	11,109
Net cash used for operating activities	(3,259)	(1,096)
Increase (decrease) in cash realized from:
Increase in loans, net	(138,935)	(162,259)
Purchase of property and equipment	(3,696)	(7,658)
Purchase of investment securities:
Available for sale	(36,609)	(25,383)
Other	(1,275)
Payments and maturities, calls and repayments of investment securities:
Available for sale	17,290	12,273
Other investments	5,634	814
Purchase of life insurance policies		(5,000)
Net cash used for investing activities	(157,591)	(187,213)
Increase (decrease) in cash realized from:
Increase in deposits, net	304,932	251,159
Decrease in Federal Home Loan Bank advances and other borrowings, net	(109,946)	(2,516)
Proceeds from the exercise of stock options	963	1,316
Net cash provided by financing activities	195,949	249,959
Net increase in cash and cash equivalents	35,099	61,650
Cash and cash equivalents at beginning of the period	127,816	72,873
Cash and cash equivalents at end of the period	162,915	134,523
Cash paid for
Interest	14,031	18,752
Income taxes	2,544	5,307
Schedule of non-cash transactions
Unrealized gain on securities, net of income taxes	1,163	1,347
Right-of-use assets obtained in exchange for lease obligations:
Operating leases	2,115	17,290
Real estate acquired in settlement of loans	$ 2,197

Nature of Business and Basis of

Nature of Business and Basis of Presentation	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Nature of Business and Basis of Presentation	NOTE 1 – Nature of Business and Basis of Presentation Business Activity Southern First Bancshares, Inc. Basis of Presentation The accompanying consolidated financial statements have been prepared in accordance with generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three- and nine-month periods ended September 30, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019 as filed with the Securities and Exchange Commission (“SEC”) on March 2, 2020. The consolidated financial statements include the accounts of the Company and the Bank. In accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 810, “Consolidation,” the financial statements related to the Trusts have not been consolidated. Business Segments In determining proper segment definition, the Company considers the materiality of a potential segment and components of the business about which financial information is available and regularly evaluated, relative to a resource allocation and performance assessment. The Company accounts for intersegment revenues and expenses as if the revenue/expense transactions were generated to third parties, that is, at current market prices. Please refer to “Note 10 – Reportable Segments” for further information on the reporting for the Company’s three business segments. Use of Estimates The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, real estate acquired in the settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets. Risks and Uncertainties The impact of the coronavirus (COVID-19) pandemic is fluid and continues to evolve, adversely affecting many of the Bank’s clients. The unprecedented and rapid spread of COVID-19 and its associated impacts on trade (including supply chains and export levels), travel, employee productivity, unemployment, consumer spending, and other economic activities has resulted in less economic activity, lower equity market valuations and significant volatility and disruption in financial markets, and has had an adverse effect on the Company’s business, financial condition and results of operations. The ultimate extent of the impact of the COVID-19 pandemic on the Company’s business, financial condition and results of operations is currently uncertain and the timing and pace of recovery will depend on various developments and other factors, including, among others, the duration and scope of the pandemic, as well as governmental, regulatory and private sector responses to the pandemic, and the associated impacts on the economy, financial markets and our clients, employees and vendors. 8 The Company’s business, financial condition and results of operations generally rely upon the ability of the Bank’s borrowers to repay their loans, the value of collateral underlying the Bank’s secured loans, and demand for loans and other products and services the Bank offers, which are highly dependent on the business environment in the Bank’s primary markets where it operates and in the United States as a whole. On March 3, 2020, the Federal Reserve reduced the target federal funds rate by 50 100 As of September 30, 2020, the Company’s and the Bank’s capital ratios were in excess of all regulatory requirements. While management believes that we have sufficient capital to withstand an extended economic recession brought about by the COVID-19 pandemic, our reported and regulatory capital ratios could be adversely impacted by further credit losses. The Company maintains access to multiple sources of liquidity, including a $15.0 million holding company line of credit with another bank which could be used to support capital ratios at the subsidiary bank. As of September 30, 2020, the $15.0 million line was unused. Reclassifications Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders’ equity or net income. Subsequent Events Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date. Newly Issued, But Not Yet Effective Accounting Standards In June 2016, the FASB issued ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. Among other things, ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to form their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, ASU 2016-13 amends the accounting for credit losses on debt securities and purchased financial assets with credit deterioration. ASU 2016-13 was originally effective for all annual and interim periods beginning after December 31, 2019, with early adoption permitted for fiscal years beginning after December 15, 2018. Adoption will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. In November 2019, the FASB issued guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. The amendments affect a variety of Topics in the Accounting Standards Codification. For public business entities that meet the definition of a smaller reporting company, such as the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as the Company has adopted to amendments in ASU 2016-13. Currently, the Company is evaluating the impact of adoption on its financial statements and does not expect to adopt the ASU before the effective period. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies that do not require adoption until a future date are not expected to have a material impact on the consolidated financial statements upon adoption.

Investment Securities

Investment Securities	9 Months Ended
	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Investment Securities	NOTE 2 – Investment Securities The amortized costs and fair value of investment securities are as follows: September 30, 2020 Amortized Gross Unrealized Fair (dollars in thousands) Cost Gains Losses Value Available for sale US government agencies $ 5,500 - 3 5,497 SBA securities 509 - 19 490 State and political subdivisions 15,932 641 29 16,544 Asset-backed securities 11,956 2 189 11,769 Mortgage-backed securities FHLMC 12,018 238 60 12,196 FNMA 31,803 602 80 32,325 GNMA 9,178 44 52 9,170 Total mortgage-backed securities 52,999 884 192 53,691 Total investment securities available for sale $ 86,896 1,527 432 87,991 December 31, 2019 Amortized Gross Unrealized Fair Cost Gains Losses Value Available for sale US government agencies $ 500 - 1 499 SBA securities 550 - 19 531 State and political subdivisions 4,205 3 24 4,184 Asset-backed securities 13,351 - 184 13,167 Mortgage-backed securities FHLMC 10,609 14 15 10,608 FNMA 35,275 34 169 35,140 GNMA 3,581 5 21 3,565 Total mortgage-backed securities 49,465 53 205 49,313 Total $ 68,071 56 433 67,694 Contractual maturities and yields on the Company’s investment securities at September 30, 2020 and December 31, 2019 are shown in the following table. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. 10 September 30, 2020 Less than one year One to five years Five to ten years Over ten years Total (dollars in thousands) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale US government agencies $ - - 2,500 0.37 % 1,998 1.01 % 999 1.48 % 5,497 0.80 % SBA securities - - - - - - 490 0.98 % 490 0.98 % State and political subdivisions - - - - 3,050 2.49 % 13,494 2.38 % 16,544 2.40 % Asset-backed securities - - - - 2,087 1.18 % 9,682 1.01 % 11,769 1.04 % Mortgage-backed securities - - 2,752 1.82 % 8,725 1.98 % 42,214 1.39 % 53,691 1.51 % Total $ - - 5,252 1.13 % 15,860 1.85 % 66,879 1.53 % 87,991 1.57 % December 31, 2019 Less than one year One to five years Five to ten years Over ten years Total (dollars in thousands) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale US government agencies $ - - 499 1.97 % - - - - 499 1.97 % SBA securities - - - - - - 531 2.62 % 531 2.62 % State and political subdivisions - - 808 2.81 % 1,283 2.96 % 2,093 2.67 % 4,184 2.79 % Asset-backed securities - - - - 1,493 2.34 % 11,674 2.61 % 13,167 2.58 % Mortgage-backed securities - - 3,368 1.78 % 7,638 2.00 % 38,307 2.24 % 49,313 2.17 % Total $ - - 4,675 1.98 % 10,414 2.17 % 52,605 2.34 % 67,694 2.29 % The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities at September 30, 2020 and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position. September 30, 2020 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized (dollars in thousands) # value losses # value losses # value losses Available for sale US government agencies 5 $ 4,997 $ 3 - $ - $ - 5 $ 4,997 $ 3 SBA securities - - - 1 490 19 1 490 19 State and political subdivisions 7 4,532 29 - - - 7 4,532 29 Asset-backed securities 4 3,922 57 5 7,016 132 9 10,938 189 Mortgage-backed securities FHLMC 3 4,065 60 - - - 3 4,065 60 FNMA 3 5,510 57 3 2,153 23 6 7,663 80 GNMA 3 6,267 52 - - - 3 6,267 52 Total 25 $ 29,293 $ 258 9 $ 9,659 $ 174 34 $ 38,952 $ 432 December 31, 2019 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized (dollars in thousands) # value losses # value losses # value losses Available for sale US government agencies 1 $ 499 $ 1 - $ - $ - 1 $ 499 $ 1 SBA securities - - - 1 531 19 1 531 19 State and political subdivisions 2 2,093 24 - - - 2 2,093 24 Asset-backed securities 5 5,921 68 5 7,246 116 10 13,167 184 Mortgage-backed securities FHLMC 4 3,842 2 4 2,323 13 8 6,165 15 FNMA 14 15,500 67 11 9,462 102 25 24,962 169 GNMA 2 2,240 6 1 734 15 3 2,974 21 Total 28 $ 30,095 $ 168 22 $ 20,296 $ 265 50 $ 50,391 $ 433 At September 30, 2020, the Company had 25 individual investments with a fair market value of $29.3 million that were in an unrealized loss position for less than 12 months and nine individual investments with a fair market value of $9.7 million that were in an unrealized loss position for 12 months or longer. The unrealized losses were primarily attributable to changes in interest rates, rather than deterioration in credit quality. The individual securities are each investment grade securities. The Company considers the length of time and extent to which the fair value of available-for-sale debt securities have been less than cost to conclude that such securities are not other-than-temporarily impaired. The Company also considers other factors such as the financial condition of the issuer including credit ratings and specific events affecting the operations of the issuer, volatility of the security, underlying assets that collateralize the debt security, and other industry and macroeconomic conditions. 11 As the Company has no intent to sell securities with unrealized losses and it is not more-likely-than-not that the Company will be required to sell these securities before recovery of amortized cost, the Company has concluded that these securities are not impaired on an other-than-temporary basis. Other investments are comprised of the following and are recorded at cost which approximates fair value. (dollars in thousands) September 30, 2020 December 31, 2019 Federal Home Loan Bank stock $ 2,041 6,386 Other investments 145 159 Investment in Trust Preferred securities 403 403 Total other investments $ 2,589 6,948 The Company has evaluated the Federal Home Loan Bank (“FHLB”) stock for impairment and determined that the investment in the FHLB stock is not other than temporarily impaired as of September 30, 2020 and that ultimate recoverability of the par value of this investment is probable. All of the FHLB stock is used to collateralize advances with the FHLB.

Mortgage Loans Held for Sale

Mortgage Loans Held for Sale	9 Months Ended
	Sep. 30, 2020
Mortgage Loans Held for Sale [Abstract]
Mortgage Loans Held for Sale	NOTE 3 – Mortgage Loans Held for Sale Mortgage loans originated and intended for sale in the secondary market are reported as loans held for sale and carried at fair value under the fair value option with changes in fair value recognized in current period earnings. At the date of funding of the mortgage loan held for sale, the funded amount of the loan, the related derivative asset or liability of the associated interest rate lock commitment, less direct loan costs becomes the initial recorded investment in the loan held for sale. Such amount approximates the fair value of the loan. At September 30, 2020, mortgage loans held for sale totaled $63.8 million compared to $27.0 million at December 31, 2019. Mortgage loans held for sale are considered de-recognized, or sold, when the Company surrenders control over the financial assets. Control is considered to have been surrendered when the transferred assets have been isolated from the Company, beyond the reach of the Company and its creditors; the purchaser obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and the Company does not maintain effective control over the transferred assets through an agreement that both entitles and obligates the Company to repurchase or redeem the transferred assets before their maturity or the ability to unilaterally cause the holder to return specific assets. Gains and losses from the sale of mortgage loans are recognized based upon the difference between the sales proceeds and carrying value of the related loans upon sale and are recorded in mortgage banking income in the statement of income. Mortgage banking income also includes the unrealized gains and losses associated with the loans held for sale and the realized and unrealized gains and losses from derivatives. Mortgage loans sold to investors by the Company, and which were believed to have met investor and agency underwriting guidelines at the time of sale, may be subject to repurchase or indemnification in the event of specific default by the borrower or subsequent discovery that underwriting standards were not met. The Company may, upon mutual agreement, agree to repurchase the loans or indemnify the investor against future losses on such loans. In such cases, the Company bears any subsequent credit loss on the loans. As appropriate, the Company establishes mortgage repurchase reserves related to various representations and warranties that reflect management’s estimate of losses.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2020
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Loans and Allowance for Loan Losses	NOTE 4 – Loans and Allowance for Loan Losses The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $3.6 million as of September 30, 2020 and $3.3 million as of December 31, 2019. September 30, 2020 December 31, 2019 (dollars in thousands) Amount % of Total Amount % of Total Commercial Owner occupied RE $ 419,316 20.2 % $ 407,851 21.0 % Non-owner occupied RE 570,139 27.4 % 501,878 25.8 % Construction 64,063 3.1 % 80,486 4.1 % Business 303,760 14.6 % 308,123 15.9 % Total commercial loans 1,357,278 65.3 % 1,298,338 66.8 % Consumer Real estate 496,684 23.9 % 398,245 20.5 % Home equity 161,795 7.8 % 179,738 9.3 % Construction 39,355 1.9 % 41,471 2.1 % Other 23,428 1.1 % 25,733 1.3 % Total consumer loans 721,262 34.7 % 645,187 33.2 % Total gross loans, net of deferred fees 2,078,540 100.0 % 1,943,525 100.0 % Less—allowance for loan losses (42,219 ) (16,642 ) Total loans, net $ 2,036,321 $ 1,926,883 Maturities and Sensitivity of Loans to Changes in Interest Rates The information in the following tables summarizes the loan maturity distribution by type and related interest rate characteristics based on the contractual maturities of individual loans, including loans which may be subject to renewal at their contractual maturity. Renewal of such loans is subject to review and credit approval, as well as modification of terms upon maturity. Actual repayments of loans may differ from the maturities reflected below, because borrowers have the right to prepay obligations with or without prepayment penalties. September 30, 2020 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 20,585 136,345 262,386 419,316 Non-owner occupied RE 47,848 312,776 209,515 570,139 Construction 19,699 23,221 21,143 64,063 Business 72,291 145,878 85,591 303,760 Total commercial loans 160,423 618,220 578,635 1,357,278 Consumer Real estate 12,314 63,182 421,188 496,684 Home equity 5,339 24,279 132,177 161,795 Construction 5,053 325 33,977 39,355 Other 6,810 12,604 4,014 23,428 Total consumer loans 29,516 100,390 591,356 721,262 Total gross loans, net of deferred fees $ 189,939 718,610 1,169,991 2,078,540 Loans maturing after one year with: Fixed interest rates $ 1,536,279 Floating interest rates 352,322 13 December 31, 2019 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 40,476 147,945 219,430 407,851 Non-owner occupied RE 55,187 267,879 178,812 501,878 Construction 31,035 19,278 30,173 80,486 Business 84,452 146,051 77,620 308,123 Total commercial loans 211,150 581,153 506,035 1,298,338 Consumer Real estate 16,663 82,445 299,137 398,245 Home equity 9,921 25,828 143,989 179,738 Construction 13,405 1,222 26,844 41,471 Other 6,422 15,022 4,289 25,733 Total consumer 46,411 124,517 474,259 645,187 Total gross loan, net of deferred fees $ 257,561 705,670 980,294 1,943,525 Loans maturing after one year with: Fixed interest rates $ 1,310,744 Floating interest rates 375,220 Paycheck Protection Program (“PPP”) On March 27, 2020, President Trump signed the Coronavirus Aid, Relief, and Economic Security Act (the “CARES” Act or the “Act”) to provide emergency assistance and health care response for individuals, families, and businesses affected by the coronavirus pandemic. The Small Business Administration (“SBA”) received funding and authority through the Act to modify existing loan programs and establish a new loan program to assist small businesses nationwide adversely impacted by the COVID-19 emergency. The Act temporarily permits the SBA to guarantee 100% of certain loans under a new program titled the “Paycheck Protection Program” and also provides for forgiveness of up to the full principal amount of qualifying loans guaranteed under the PPP. In an effort to assist our clients as best we could through the pandemic, we became an approved SBA lender in March 2020 and processed 853 loans under the PPP for a total of $97.5 million, receiving SBA lender fee income of $3.9 million. As the regulations and guidance for PPP loans and the forgiveness process continued to change and evolve, management recognized the operational risk and complexity associated with this portfolio and decided to pursue the sale of the PPP loan portfolio to a third party better suited to support and serve our PPP clients through the loan forgiveness process. The loan sale allowed our team to focus on serving our clients and proactively monitoring and addressing credit risk brought on by the pandemic. On June 26, 2020, we completed the sale of our PPP loan portfolio to The Loan Source Inc., together with its servicing partner, ACAP SME LLC, and immediately recognized SBA lender fee income of $2.2 million, net of sale and processing costs, which is included in other noninterest income in the consolidated financial statements. Portfolio Segment Methodology Commercial Commercial loans are assessed for estimated losses by grading each loan using various risk factors identified through periodic reviews. The Company applies historic grade-specific loss factors to each loan class. In the development of statistically derived loan grade loss factors, the Company observes historical losses over 20 quarters for each loan grade. These loss estimates are adjusted as appropriate based on additional analysis of external loss data or other risks identified from current economic conditions and credit quality trends. The allowance also includes an amount for the estimated impairment on nonaccrual commercial loans and commercial loans modified in a troubled debt restructuring (“TDR”), whether on accrual or nonaccrual status. Consumer For consumer loans, the Company determines the allowance on a collective basis utilizing historical losses over 20 quarters to represent its best estimate of inherent loss. The Company pools loans, generally by loan class with similar risk characteristics. The allowance also includes an amount for the estimated impairment on nonaccrual consumer loans and consumer loans modified in a TDR, whether on accrual or nonaccrual status. Credit Quality Indicators Commercial We manage a consistent process for assessing commercial loan credit quality by monitoring its loan grading trends and past due statistics. All loans are subject to individual risk assessment. Our risk categories include Pass, Special Mention, Substandard, and Doubtful, each of which is defined by our banking regulatory agencies. Delinquency statistics are also an important indicator of credit quality in the establishment of our allowance for loan losses. We categorize our loans into risk categories based on relevant information about the ability of the borrower to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. A description of the general characteristics of the risk grades is as follows: • Pass—These loans range from minimal credit risk to average credit risk; however, still have acceptable credit risk. 14    • Special mention—A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date.   • Substandard—A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.   • Doubtful—A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable.   The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status as well as accruing TDRs. September 30, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Current $ 418,765 569,552 64,063 303,248 1,355,628 30-59 days past due - - - 475 475 60-89 days past due - 355 - - 355 Greater than 90 Days 551 232 - 37 820 $ 419,316 570,139 64,063 303,760 1,357,278 December 31, 2019 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Current $ 406,594 501,676 80,486 307,710 1,296,466 30-59 days past due 706 151 - 178 1,035 60-89 days past due - - - - - Greater than 90 Days 551 51 - 235 837 $ 407,851 501,878 80,486 308,123 1,298,338 As of September 30, 2020 and December 31, 2019, loans 30 days or more past due represented 0.26% and 0.23% of the Company’s total loan portfolio, respectively. Commercial loans 30 days or more past due were 0.08% and 0.10% of the Company’s total loan portfolio as of September 30, 2020 and December 31, 2019, respectively. The tables below provide a breakdown of outstanding commercial loans by risk category. September 30, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Pass $ 415,899 560,896 63,920 297,179 1,337,894 Special mention 359 6,078 - 2,596 9,033 Substandard 3,058 3,165 143 3,985 10,351 Doubtful - - - - - $ 419,316 570,139 64,063 303,760 1,357,278 December 31, 2019 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Pass $ 404,237 492,941 80,486 301,504 1,279,168 Special mention 1,312 744 - 3,108 5,164 Substandard 2,302 8,193 - 3,511 14,006 Doubtful - - - - - $ 407,851 501,878 80,486 308,123 1,298,338 15 Consumer The Company manages a consistent process for assessing consumer loan credit quality by monitoring its loan grading trends and past due statistics. All loans are subject to individual risk assessment. The Company’s categories include Pass, Special Mention, Substandard, and Doubtful, which are defined above. Delinquency statistics are also an important indicator of credit quality in the establishment of the allowance for loan losses. The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status as well as accruing TDRs. September 30, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 494,202 160,605 39,355 23,428 717,590 30-59 days past due 857 399 - - 1,256 60-89 days past due - 494 - - 494 Greater than 90 Days 1,625 297 - - 1,922 $ 496,684 161,795 39,355 23,428 721,262 December 31, 2019 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 396,445 179,051 41,471 25,650 642,617 30-59 days past due 799 369 - 83 1,251 60-89 days past due - 118 - - 118 Greater than 90 Days 1,001 200 - - 1,201 $ 398,245 179,738 41,471 25,733 645,187 Consumer loans 30 days or more past due were 0.18% and 0.13% of total loans as of September 30, 2020 and December 31, 2019, respectively. The tables below provide a breakdown of outstanding consumer loans by risk category. September 30, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 489,923 156,496 39,355 23,287 709,061 Special mention 2,182 1,351 - 107 3,640 Substandard 4,579 3,948 - 34 8,561 Doubtful - - - - - $ 496,684 161,795 39,355 23,428 721,262 December 31, 2019 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 392,572 176,532 41,471 25,421 635,996 Special mention 2,267 775 - 261 3,303 Substandard 3,406 2,431 - 51 5,888 Doubtful - - - - - $ 398,245 179,738 41,471 25,733 645,187 Nonperforming assets The following table shows the nonperforming assets and the related percentage of nonperforming assets to total assets and gross loans. Generally, a loan is placed on nonaccrual status when it becomes 90 days past due as to principal or interest, or when the Company believes, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of the contractual principal or interest on the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction in principal when received. 16 Following is a summary of our nonperforming assets, including nonaccruing TDRs. (dollars in thousands) September 30, 2020 December 31, 2019 Commercial Owner occupied RE $ - - Non-owner occupied RE 1,059 188 Construction 143 - Business 201 235 Consumer Real estate 2,518 1,829 Home equity 632 431 Construction - - Other - - Nonaccruing troubled debt restructurings 4,198 4,111 Total nonaccrual loans, including nonaccruing TDRs 8,751 6,794 Other real estate owned 1,684 - Total nonperforming assets $ 10,435 6,794 Nonperforming assets as a percentage of: Total assets 0.42 % 0.30 % Gross loans 0.50 % 0.35 % Total loans over 90 days past due $ 2,742 2,038 Loans over 90 days past due and still accruing - - Accruing troubled debt restructurings 5,277 5,219 Impaired Loans The table below summarizes key information for impaired loans. The Company’s impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. The Company’s commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses. September 30, 2020 Recorded investment Impaired loans Impaired loans Unpaid with no related with related Related Principal Impaired allowance for allowance for allowance for (dollars in thousands) Balance loans loan losses loan losses loan losses Commercial Owner occupied RE $ 2,316 2,296 1,843 453 92 Non-owner occupied RE 3,114 2,143 610 1,533 455 Construction 143 143 143 - - Business 2,919 2,483 281 2,202 910 Total commercial 8,492 7,065 2,877 4,188 1,457 Consumer Real estate 4,206 4,031 3,152 879 75 Home equity 2,982 2,794 2,439 355 252 Construction - - - - - Other 138 138 - 138 18 Total consumer 7,326 6,963 5,591 1,372 345 Total $ 15,818 14,028 8,468 5,560 1,802 17 December 31, 2019 Recorded investment Impaired loans Impaired loans Unpaid with no related with related Related Principal Impaired allowance for allowance for allowance for (dollars in thousands) Balance loans loan losses loan losses loan losses Commercial Owner occupied RE $ 2,791 2,726 2,270 456 75 Non-owner occupied RE 4,512 4,051 2,419 1,632 465 Construction - - - - - Business 1,620 1,531 558 973 452 Total commercial 8,923 8,308 5,247 3,061 992 Consumer Real estate 2,727 2,720 1,638 1,082 364 Home equity 885 838 459 379 66 Construction - - - - - Other 147 147 - 147 16 Total consumer 3,759 3,705 2,097 1,608 446 Total $ 12,682 12,013 7,344 4,669 1,438 The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class. Three months ended September 30, 2020 Three months ended September 30, 2019 Average Recognized Average Recognized recorded interest recorded interest (dollars in thousands) investment income investment income Commercial Owner occupied RE $ 2,985 40 2,728 27 Non-owner occupied RE 3,880 63 4,077 74 Construction 72 2 - - Business 2,506 51 1,738 14 Total commercial 9,443 156 8,543 115 Consumer Real estate 3,063 58 2,876 30 Home equity 2,540 22 1,668 30 Construction - - - - Other 139 1 151 2 Total consumer 5,742 81 4,695 62 Total $ 15,185 237 13,238 177 Nine months ended Nine months ended Year ended September 30, 2020 September 30, 2019 December 31, 2019 Average Recognized Average Recognized Average Recognized recorded interest recorded interest recorded interest (dollars in thousands) investment income investment income investment income Commercial Owner occupied RE $ 2,617 73 2,742 96 2,739 128 Non-owner occupied RE 4,724 165 4,139 202 4,161 255 Construction 36 2 - - - - Business 2,270 98 1,766 61 1,582 79 Total commercial 9,647 338 8,647 359 8,482 462 Consumer Real estate 3,207 98 3,062 97 2,771 131 Home equity 2,067 39 1,688 82 853 42 Construction - - - - - - Other 143 3 154 4 153 5 Total consumer 5,417 140 4,904 183 3,777 178 Total $ 15,064 478 13,551 542 12,259 640 Allowance for Loan Losses The allowance for loan loss is management’s estimate of credit losses inherent in the loan portfolio. The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. 18 The Company has an established process to determine the adequacy of the allowance for loan losses that assesses the losses inherent in the portfolio. While the Company attributes portions of the allowance to specific portfolio segments, the entire allowance is available to absorb credit losses inherent in the total loan portfolio. The Company’s process involves procedures to appropriately consider the unique risk characteristics of the commercial and consumer loan portfolio segments. For each portfolio segment, impairment is measured individually for each impaired loan. The Company’s allowance levels are influenced by loan volume, loan grade or delinquency status, historic loss experience and other economic conditions. The following table summarizes the activity related to the allowance for loan losses by commercial and consumer portfolio segments: Three months ended September 30, 2020 Commercial Consumer Owner Non-owner occupied occupied Real Home (dollars in thousands) RE RE Construction Business Estate equity Construction Other Total Balance, beginning of period $ 5,800 8,791 977 5,841 6,538 2,641 615 399 31,602 Provision for loan losses 2,105 2,461 217 2,274 2,936 850 87 170 11,100 Loan charge-offs - (375 ) - (564 ) - (100 ) - (25 ) (1,064 ) Loan recoveries - 554 - 14 2 - - 11 581 Net loan charge-offs - 179 - (550 ) 2 (100 ) - (14 ) (483 ) Balance, end of period $ 7,905 11,431 1,194 7,565 9,476 3,391 702 555 42,219 Net charge-offs to average loans (annualized) 0.09 % Allowance for loan losses to gross loans 2.03 % Allowance for loan losses to nonperforming loans 482.43 % Three months ended September 30, 2019 Commercial Consumer (dollars in thousands) Owner occupied RE Non-owner occupied RE Construction Business Real Estate Home equity Construction Other Total Balance, beginning of period $ 2,808 4,016 569 3,623 3,104 1,409 318 297 16,144 Provision for loan losses (75 ) 237 (63 ) 588 (93 ) 14 8 34 650 Loan charge-offs - (225 ) - (709 ) - - - (29 ) (963 ) Loan recoveries - - - 8 7 1 - 1 17 Net loan charge-offs - (225 ) - (701 ) 7 1 - (28 ) (946 ) Balance, end of period $ 2,733 4,028 506 3,510 3,018 1,424 326 303 15,848 Net charge-offs to average loans (annualized) 0.21 % Allowance for loan losses to gross loans 0.86 % Allowance for loan losses to nonperforming loans 225.51 % Nine months ended September 30, 2020 Commercial Consumer (dollars in thousands) Owner occupied RE Non-owner occupied RE Construction Business Real Estate Home equity Construction Other Total Balance, beginning of period $ 2,835 4,304 541 3,692 3,278 1,447 268 277 16,642 Provision for loan losses 5,070 8,081 653 4,562 6,187 1,976 434 337 27,300 Loan charge-offs - (1,508 ) - (735 ) - (100 ) - (70 ) (2,413 ) Loan recoveries - 554 - 46 11 68 - 11 690 Net loan charge-offs - (954 ) - (689 ) 11 (32 ) - (59 ) (1,723 ) Balance, end of period $ 7,905 11,431 1,194 7,565 9,476 3,391 702 555 42,219 Net charge-offs to average loans (annualized) 0.11 % Nine months ended September 30, 2019 Commercial Consumer Owner occupied RE Non-owner occupied RE Construction Business Real Estate Home equity Construction Other Total Balance, beginning of period $ 2,726 3,811 615 3,616 3,081 1,348 275 290 15,762 Provision for loan losses 117 454 (109 ) 577 (99 ) 174 51 85 1,250 Loan charge-offs ( 110 ) (239 ) - (709 ) - (100 ) - (82 ) (1,240 ) Loan recoveries - 2 - 26 36 2 - 10 76 Net loan charge-offs (110 ) (237 ) - (683 ) 36 (98 ) - (72 ) (1,164 ) Balance, end of period $ 2,733 4,028 506 3,510 3,018 1,424 326 303 15,848 Net charge-offs to average loans (annualized) 0.09 % The following table disaggregates the allowance for loan losses and recorded investment in loans by impairment methodology. September 30, 2020 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 1,457 345 1,802 7,065 6,963 14,028 Collectively evaluated 26,638 13,779 40,417 1,350,213 714,299 2,064,512 Total $ 28,095 14,124 42,219 1,357,278 721,262 2,078,540 December 31, 2019 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 992 446 1,438 8,308 3,705 12,013 Collectively evaluated 10,380 4,824 15,204 1,290,030 641,482 1,931,512 Total $ 11,372 5,270 16,642 1,298,338 645,187 1,943,525

Troubled Debt Restructurings

Troubled Debt Restructurings	9 Months Ended
	Sep. 30, 2020
Troubled Debt Restructurings [Abstract]
Troubled Debt Restructurings	NOTE 5 – Troubled Debt Restructurings At September 30, 2020, the Company had 22 loans totaling $9.5 million compared to 19 loans totaling $9.3 million at December 31, 2019, which were considered as TDRs. The Company considers a loan to be a TDR when the debtor experiences financial difficulties and the Company grants a concession to the debtor that it would not normally consider. Concessions can relate to the contractual interest rate, maturity date, or payment structure of the note. As part of the workout plan for individual loan relationships, the Company may restructure loan terms to assist borrowers facing financial challenges in the current economic environment. A restructuring that results in only a delay in payments that is insignificant is not considered an economic concession. In accordance with the CARES Act, the Company implemented loan modification programs in response to the COVID-19 pandemic, and the Company elected the accounting policy in the CARES Act to not apply TDR accounting to loans modified for borrowers impacted by the COVID-19 pandemic. The Company granted short-term loan deferrals to five client relationships, with loans totaling $3.5 million, which were considered TDRs due to the client experiencing financial difficulty before the pandemic. The following table summarizes the concession at the time of modification and the recorded investment in the Company’s TDRs before and after their modification for the nine months ended September 30, 2020 and 2019. New TDRs for the three months ended September 30, 2020 and 2019 were not material. For the nine months ended September 30, 2020 Pre- Post- modification modification Renewals Reduced or Converted Maturity Total outstanding outstanding deemed a deferred to interest date Number recorded recorded (dollars in thousands) concession payments only extensions of loans investment investment Commercial Business 1 - - - 1 $ 1,037 $ 1,037 Consumer Real estate 2 - - - 2 647 647 Home equity 3 - - - 3 1,852 1,852 Total loans 6 - - - 6 $ 3,536 $ 3,536 For the nine months ended September 30, 2019 Pre- Post- modification modification Renewals Reduced or Converted Maturity Total outstanding outstanding deemed a deferred to interest date Number recorded recorded (dollars in thousands) concession payments only extensions of loans investment investment Consumer Home equity 1 - - - 1 $ 832 $ 832 Total loans 1 - - - 1 $ 832 $ 832 As of September 30, 2020 and 2019, there were no loans modified as a TDR for which there was a payment default (60 days past due) within 12 months of the restructuring date.

Derivative Financial Instrument

Derivative Financial Instruments	9 Months Ended
	Sep. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	NOTE 6 – Derivative Financial Instruments The Company utilizes derivative financial instruments primarily to hedge its exposure to changes in interest rates. All derivative financial instruments are recognized as either assets or liabilities and measured at fair value. The Company accounts for all of its derivatives as free-standing derivatives and does not designate any of these instruments for hedge accounting. Therefore, the gain or loss resulting from the change in the fair value of the derivative is recognized in the Company’s statement of income during the period of change. The Company enters into commitments to originate residential mortgage loans held for sale, at specified interest rates and within a specified period of time, with clients who have applied for a loan and meet certain credit and underwriting criteria (interest rate lock commitments). These interest rate lock commitments (“IRLCs”) meet the definition of a derivative financial instrument and are reflected in the balance sheet at fair value with changes in fair value recognized in current period earnings. Unrealized gains and losses on the IRLCs are recorded as derivative assets and derivative liabilities, respectively, and are measured based on the value of the underlying mortgage loan, quoted mortgage-backed securities (“MBS”) prices and an estimate of the probability that the mortgage loan will fund within the terms of the interest rate lock commitment, net of estimated commission expenses. The Company manages the interest rate and price risk associated with its outstanding IRLCs and mortgage loans held for sale by entering into derivative instruments such as forward sales of MBS. Management expects these derivatives will experience changes in fair value opposite to changes in fair value of the IRLCs and mortgage loans held for sale, thereby reducing earnings volatility. The Company takes into account various factors and strategies in determining the portion of the mortgage pipeline (IRLCs and mortgage loans held for sale) it wants to economically hedge. 20 The following table summarizes the Company’s outstanding financial derivative instruments at September 30, 2020 and December 31, 2019. September 30, 2020 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 138,692 Other assets $ 2,963 MBS forward sales commitments 102,500 Other liabilities (379 ) Total derivative financial instruments $ 241,192 $ 2,584 December 31, 2019 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 26,446 Other assets $ 344 MBS forward sales commitments 20,500 Other liabilities (39 ) Total derivative financial instruments $ 46,946 $ 305

Fair Value Accounting

Fair Value Accounting	9 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Fair Value Accounting	NOTE 7 – Fair Value Accounting FASB ASC 820, “Fair Value Measurement and Disclosures,” defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1 – Quoted market price in active markets Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include certain debt and equity securities that are traded in an active exchange market. Level 2 – Significant other observable inputs Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include fixed income securities and mortgage-backed securities that are held in the Company’s available-for-sale portfolio and valued by a third-party pricing service, as well as certain impaired loans. Level 3 – Significant unobservable inputs Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. These methodologies may result in a significant portion of the fair value being derived from unobservable data. The methods of determining the fair value of assets and liabilities presented in this note are consistent with our methodologies disclosed in Note 14 of the Company’s 2019 Annual Report on Form 10-K. The Company’s loan portfolio is initially fair valued using a segmented approach, using the eight categories of loans as disclosed in Note 4 – Loans and Allowance for Loan Losses. Loans are considered a Level 3 classification. 21 Assets and Liabilities Recorded at Fair Value on a Recurring Basis The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of September 30, 2020 and December 31, 2019. September 30, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale US government agencies $ - 5,497 - 5,497 SBA securities - 490 - 490 State and political subdivisions - 16,544 - 16,544 Asset-backed securities - 11,769 - 11,769 Mortgage-backed securities - 53,691 - 53,691 Mortgage loans held for sale - 63,823 - 63,823 Mortgage loan interest rate lock commitments - 2,963 - 2,963 Total assets measured at fair value on a recurring basis $ - 154,777 - 154,777 Liabilities MBS forward sales commitments $ - 379 - 379 Total liabilities measured at fair value on a recurring basis $ - 379 - 379 December 31, 2019 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale: US government agencies $ - 499 - 499 SBA securities - 531 - 531 State and political subdivisions - 4,184 - 4,184 Asset-backed securities - 13,167 - 13,167 Mortgage-backed securities - 49,313 - 49,313 Mortgage loans held for sale - 27,046 - 27,046 Mortgage loan interest rate lock commitments - 344 - 344 Total assets measured at fair value on a recurring basis $ - 95,084 - 95,084 Liabilities MBS forward sales commitments $ - 39 - 39 Total liabilities measured at fair value on a recurring basis $ - 39 - 39 Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis as of September 30, 2020 and December 31, 2019. As of September 30, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 8,787 3,439 12,226 Other real estate owned - 1,684 - 1,684 Total assets measured at fair value on a nonrecurring basis $ - 10,471 3,439 13,910 As of December 31, 2019 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 5,634 4,941 10,575 Total assets measured at fair value on a nonrecurring basis $ - 5,634 4,941 10,575 The Company had no liabilities carried at fair value or measured at fair value on a nonrecurring basis. 22 Fair Value of Financial Instruments Financial instruments require disclosure of fair value information, whether or not recognized in the consolidated balance sheets, when it is practical to estimate the fair value. A financial instrument is defined as cash, evidence of an ownership interest in an entity or a contractual obligation which requires the exchange of cash. Certain items are specifically excluded from the disclosure requirements, including the Company’s common stock, premises and equipment and other assets and liabilities. The estimated fair values of the Company’s financial instruments at September 30, 2020 and December 31, 2019 are as follows: September 30, 2020 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 2,589 2,589 - - 2,589 Loans 1 2,022,293 1,998,389 - - 1,998,389 Financial Liabilities: Deposits 2,181,056 2,080,946 - 2,080,946 - Subordinated debentures 35,971 30,092 - 30,092 - December 31, 2019 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 6,948 6,948 - - 6,948 Loans 1 1,914,870 1,900,216 - - 1,900,216 Financial Liabilities: Deposits 1,876,124 1,772,121 - 1,772,121 - FHLB and other borrowings 110,000 109,737 - 109,737 - Subordinated debentures 35,890 33,250 - 33,250 - 1 Carrying amount is net of the allowance for loan losses and previously presented impaired loans.

Leases

Leases	9 Months Ended
	Sep. 30, 2020
Leases [Abstract]
Leases	NOTE 8 – Leases Effective January 1, 2019, the Company adopted ASU 2016-02, “Leases (Topic 842)”. As of September 30, 2020, we leased seven of our offices under various operating lease agreements. The lease agreements have maturity dates ranging from February 2022 to October 2029, some of which include options for multiple five-year extensions. The weighted average remaining life of the lease term for these leases was 7.46 The discount rate used in determining the lease liability for each individual lease was the FHLB fixed advance rate which corresponded with the remaining lease term as of January 1, 2019 for leases that existed at adoption and as of the lease commencement date for leases subsequently entered into. The weighted average discount rate for leases was 2.72% as of September 30, 2020. The total operating lease costs were $616,000 and $533,000 for the three months ended September 30, 2020 and 2019, respectively, and $1.8 million and $1.6 million for the nine months ended September 30, 2020 and 2019, respectively. The right-of-use (ROU) asset, included in property and equipment, and lease liability, included in other liabilities, was $20.2 million and $21.0 million as of September 30, 2020, respectively, compared to $19.5 million and $20.1 million as of December 31, 2019, respectively. The ROU asset and lease liability are recognized at lease commencement by calculating the present value of lease payments over the lease term. 23 Maturities of lease liabilities as of September 30, 2020 were as follows: Operating (dollars in thousands) Leases 2020 $ 599 2021 2,400 2022 1,655 2023 1,534 2024 1,573 Thereafter 18,446 Total undiscounted lease payments 26,207 Discount effect of cash flows 5,223 Total lease liability $ 20,984

Earnings Per Common Share

Earnings Per Common Share	9 Months Ended
	Sep. 30, 2020
Earnings per common share
Earnings Per Common Share	NOTE 9 – Earnings Per Common Share The following schedule reconciles the numerators and denominators of the basic and diluted earnings per share computations for the three- and nine- month periods ended September 30, 2020 and 2019. Dilutive common shares arise from the potentially dilutive effect of the Company’s stock options that were outstanding at September 30, 2020. The assumed conversion of stock options can create a difference between basic and dilutive net income per common share. At September 30, 2020 and 2019, there were 337,998 and 259,656 options, respectively, that were not considered in computing diluted earnings per common share because they were anti-dilutive. Three months ended Nine months ended September 30, September 30, (dollars in thousands, except share data) 2020 2019 2020 2019 Numerator: Net income available to common shareholders $ 2,217 7,412 9,727 20,661 Denominator: Weighted-average common shares outstanding – basic 7,732,293 7,548,184 7,711,181 7,501,337 Common stock equivalents 82,972 232,320 109,164 258,274 Weighted-average common shares outstanding – diluted 7,815,265 7,780,504 7,820,345 7,759,611 Earnings per common share: Basic $ 0.29 0.98 1.26 2.75 Diluted $ 0.28 0.95 1.24 2.66

Reportable Segments

Reportable Segments	9 Months Ended
	Sep. 30, 2020
Segment Reporting [Abstract]
Reportable Segments	NOTE 10 – Reportable Segments The Company’s reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning purposes by management. The three Three months ended Three months ended September 30, 2020 September 30, 2019 Commercial Commercial and Retail Mortgage Elimin- Consol- and Retail Mortgage Elimin- Consol- (dollars in thousands) Banking Banking Corporate ations idated Banking Banking Corporate ation idated Interest income $ 23,102 313 3 (3 ) 23,415 23,830 226 4 (4 ) 24,056 Interest expense 2,396 - 385 (3 ) 2,778 6,628 - 153 (4 ) 6,777 Net interest income (loss) 20,706 313 (382 ) - 20,637 17,202 226 (149 ) - 17,279 Provision for loan losses 11,100 - - - 11,100 650 - - - 650 Noninterest income 1,307 6,277 - - 7,584 1,341 3,055 - - 4,396 Noninterest expense 11,445 2,666 72 - 14,183 9,529 1,895 60 - 11,484 Net income (loss) before taxes (532 ) 3,924 (454 ) - 2,938 8,364 1,386 (209 ) - 9,541 Income tax provision (benefit) (128 ) 944 (95 ) - 721 1,882 291 (44 ) - 2,129 Net income (loss) $ (404 ) 2,980 (359 ) - 2,217 6,482 1,095 (165 ) - 7,412 Total assets $ 2,411,966 66,915 254,721 (254,191 ) 2,479,411 2,187,449 13,765 234,845 (234,433 ) 2,201,626 24 Nine months ended Nine months ended September 30, 2020 September 30, 2019 Commercial Commercial and Retail Mortgage Elimin- Consol- and Retail Mortgage Elimin- Consol- (dollars in thousands) Banking Banking Corporate ations idated Banking Banking Corporate ation idated Interest income $ 70,480 791 13 (13 ) 71,271 68,283 473 9 (9 ) 68,756 Interest expense 11,452 - 1,325 (13 ) 12,764 18,649 - 480 (9 ) 19,120 Net interest income (loss) 59,028 791 (1,312 ) - 58,507 49,634 473 (471 ) - 49,636 Provision for loan losses 27,300 - - - 27,300 1,250 - - - 1,250 Noninterest income 5,987 14,721 - - 20,708 3,739 7,741 - - 11,480 Noninterest expense 32,134 6,841 223 - 39,198 28,604 4,716 180 - 33,500 Net income before taxes 5,581 8,671 (1,535 ) - 12,717 23,519 3,498 (651 ) - 26,366 Income tax provision (benefit) 1,491 1,821 (322 ) - 2,990 5,107 735 (137 ) - 5,705 Net income (loss) $ 4,090 6,850 (1,213 ) - 9,727 18,412 2,763 (514 ) - 20,661 Total assets $ 2,411,966 66,915 254,721 (254,191 ) 2,479,411 2,187,449 13,765 234,845 (234,433 ) 2,201,626 Commercial and retail banking. Mortgage banking. Corporate.

Nature of Business and Basis _2

Nature of Business and Basis of Presentation (Policies)	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Business Activity	Business Activity Southern First Bancshares, Inc.
Basis of Presentation	Basis of Presentation The accompanying consolidated financial statements have been prepared in accordance with generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three- and nine-month periods ended September 30, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019 as filed with the Securities and Exchange Commission (“SEC”) on March 2, 2020. The consolidated financial statements include the accounts of the Company and the Bank. In accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 810, “Consolidation,” the financial statements related to the Trusts have not been consolidated.
Business Segments	Business Segments In determining proper segment definition, the Company considers the materiality of a potential segment and components of the business about which financial information is available and regularly evaluated, relative to a resource allocation and performance assessment. The Company accounts for intersegment revenues and expenses as if the revenue/expense transactions were generated to third parties, that is, at current market prices. Please refer to “Note 10 – Reportable Segments” for further information on the reporting for the Company’s three business segments.
Use of Estimates	Use of Estimates The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, real estate acquired in the settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets.
Risks and Uncertainties	Risks and Uncertainties The impact of the coronavirus (COVID-19) pandemic is fluid and continues to evolve, adversely affecting many of the Bank’s clients. The unprecedented and rapid spread of COVID-19 and its associated impacts on trade (including supply chains and export levels), travel, employee productivity, unemployment, consumer spending, and other economic activities has resulted in less economic activity, lower equity market valuations and significant volatility and disruption in financial markets, and has had an adverse effect on the Company’s business, financial condition and results of operations. The ultimate extent of the impact of the COVID-19 pandemic on the Company’s business, financial condition and results of operations is currently uncertain and the timing and pace of recovery will depend on various developments and other factors, including, among others, the duration and scope of the pandemic, as well as governmental, regulatory and private sector responses to the pandemic, and the associated impacts on the economy, financial markets and our clients, employees and vendors. 8 The Company’s business, financial condition and results of operations generally rely upon the ability of the Bank’s borrowers to repay their loans, the value of collateral underlying the Bank’s secured loans, and demand for loans and other products and services the Bank offers, which are highly dependent on the business environment in the Bank’s primary markets where it operates and in the United States as a whole. On March 3, 2020, the Federal Reserve reduced the target federal funds rate by 50 100 As of September 30, 2020, the Company’s and the Bank’s capital ratios were in excess of all regulatory requirements. While management believes that we have sufficient capital to withstand an extended economic recession brought about by the COVID-19 pandemic, our reported and regulatory capital ratios could be adversely impacted by further credit losses. The Company maintains access to multiple sources of liquidity, including a $15.0 million holding company line of credit with another bank which could be used to support capital ratios at the subsidiary bank. As of September 30, 2020, the $15.0 million line was unused.
Reclassifications	Reclassifications Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders’ equity or net income.
Subsequent Events	Subsequent Events Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date.
Newly Issued, But Not Yet Effective Accounting Standards	Newly Issued, But Not Yet Effective Accounting Standards In June 2016, the FASB issued ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. Among other things, ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to form their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, ASU 2016-13 amends the accounting for credit losses on debt securities and purchased financial assets with credit deterioration. ASU 2016-13 was originally effective for all annual and interim periods beginning after December 31, 2019, with early adoption permitted for fiscal years beginning after December 15, 2018. Adoption will be applied through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective. In November 2019, the FASB issued guidance that addresses issues raised by stakeholders during the implementation of ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. The amendments affect a variety of Topics in the Accounting Standards Codification. For public business entities that meet the definition of a smaller reporting company, such as the Company, the amendments are effective for fiscal years beginning after December 15, 2022 including interim periods within those fiscal years. Early adoption is permitted in any interim period as long as the Company has adopted to amendments in ASU 2016-13. Currently, the Company is evaluating the impact of adoption on its financial statements and does not expect to adopt the ASU before the effective period. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies that do not require adoption until a future date are not expected to have a material impact on the consolidated financial statements upon adoption.

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of Amortized Costs and Fair Value of Investment Securities	The amortized costs and fair value of investment securities are as follows: September 30, 2020 Amortized Gross Unrealized Fair (dollars in thousands) Cost Gains Losses Value Available for sale US government agencies $ 5,500 - 3 5,497 SBA securities 509 - 19 490 State and political subdivisions 15,932 641 29 16,544 Asset-backed securities 11,956 2 189 11,769 Mortgage-backed securities FHLMC 12,018 238 60 12,196 FNMA 31,803 602 80 32,325 GNMA 9,178 44 52 9,170 Total mortgage-backed securities 52,999 884 192 53,691 Total investment securities available for sale $ 86,896 1,527 432 87,991 December 31, 2019 Amortized Gross Unrealized Fair Cost Gains Losses Value Available for sale US government agencies $ 500 - 1 499 SBA securities 550 - 19 531 State and political subdivisions 4,205 3 24 4,184 Asset-backed securities 13,351 - 184 13,167 Mortgage-backed securities FHLMC 10,609 14 15 10,608 FNMA 35,275 34 169 35,140 GNMA 3,581 5 21 3,565 Total mortgage-backed securities 49,465 53 205 49,313 Total $ 68,071 56 433 67,694
Schedule of Fair Values Investment Securities Available for Contractual Maturities	Contractual maturities and yields on the Company’s investment securities at September 30, 2020 and December 31, 2019 are shown in the following table. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. 10 September 30, 2020 Less than one year One to five years Five to ten years Over ten years Total (dollars in thousands) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale US government agencies $ - - 2,500 0.37 % 1,998 1.01 % 999 1.48 % 5,497 0.80 % SBA securities - - - - - - 490 0.98 % 490 0.98 % State and political subdivisions - - - - 3,050 2.49 % 13,494 2.38 % 16,544 2.40 % Asset-backed securities - - - - 2,087 1.18 % 9,682 1.01 % 11,769 1.04 % Mortgage-backed securities - - 2,752 1.82 % 8,725 1.98 % 42,214 1.39 % 53,691 1.51 % Total $ - - 5,252 1.13 % 15,860 1.85 % 66,879 1.53 % 87,991 1.57 % December 31, 2019 Less than one year One to five years Five to ten years Over ten years Total (dollars in thousands) Amount Yield Amount Yield Amount Yield Amount Yield Amount Yield Available for sale US government agencies $ - - 499 1.97 % - - - - 499 1.97 % SBA securities - - - - - - 531 2.62 % 531 2.62 % State and political subdivisions - - 808 2.81 % 1,283 2.96 % 2,093 2.67 % 4,184 2.79 % Asset-backed securities - - - - 1,493 2.34 % 11,674 2.61 % 13,167 2.58 % Mortgage-backed securities - - 3,368 1.78 % 7,638 2.00 % 38,307 2.24 % 49,313 2.17 % Total $ - - 4,675 1.98 % 10,414 2.17 % 52,605 2.34 % 67,694 2.29 %
Schedule of Gross Unrealized Losses on Investment Securities and Fair Market Value of Related Securities	The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities at September 30, 2020 and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position. September 30, 2020 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized (dollars in thousands) # value losses # value losses # value losses Available for sale US government agencies 5 $ 4,997 $ 3 - $ - $ - 5 $ 4,997 $ 3 SBA securities - - - 1 490 19 1 490 19 State and political subdivisions 7 4,532 29 - - - 7 4,532 29 Asset-backed securities 4 3,922 57 5 7,016 132 9 10,938 189 Mortgage-backed securities FHLMC 3 4,065 60 - - - 3 4,065 60 FNMA 3 5,510 57 3 2,153 23 6 7,663 80 GNMA 3 6,267 52 - - - 3 6,267 52 Total 25 $ 29,293 $ 258 9 $ 9,659 $ 174 34 $ 38,952 $ 432 December 31, 2019 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized (dollars in thousands) # value losses # value losses # value losses Available for sale US government agencies 1 $ 499 $ 1 - $ - $ - 1 $ 499 $ 1 SBA securities - - - 1 531 19 1 531 19 State and political subdivisions 2 2,093 24 - - - 2 2,093 24 Asset-backed securities 5 5,921 68 5 7,246 116 10 13,167 184 Mortgage-backed securities FHLMC 4 3,842 2 4 2,323 13 8 6,165 15 FNMA 14 15,500 67 11 9,462 102 25 24,962 169 GNMA 2 2,240 6 1 734 15 3 2,974 21 Total 28 $ 30,095 $ 168 22 $ 20,296 $ 265 50 $ 50,391 $ 433
Schedule of Other Investments	Other investments are comprised of the following and are recorded at cost which approximates fair value. (dollars in thousands) September 30, 2020 December 31, 2019 Federal Home Loan Bank stock $ 2,041 6,386 Other investments 145 159 Investment in Trust Preferred securities 403 403 Total other investments $ 2,589 6,948

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Schedule of Composition of Loan Portfolio	The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $3.6 million as of September 30, 2020 and $3.3 million as of December 31, 2019. September 30, 2020 December 31, 2019 (dollars in thousands) Amount % of Total Amount % of Total Commercial Owner occupied RE $ 419,316 20.2 % $ 407,851 21.0 % Non-owner occupied RE 570,139 27.4 % 501,878 25.8 % Construction 64,063 3.1 % 80,486 4.1 % Business 303,760 14.6 % 308,123 15.9 % Total commercial loans 1,357,278 65.3 % 1,298,338 66.8 % Consumer Real estate 496,684 23.9 % 398,245 20.5 % Home equity 161,795 7.8 % 179,738 9.3 % Construction 39,355 1.9 % 41,471 2.1 % Other 23,428 1.1 % 25,733 1.3 % Total consumer loans 721,262 34.7 % 645,187 33.2 % Total gross loans, net of deferred fees 2,078,540 100.0 % 1,943,525 100.0 % Less—allowance for loan losses (42,219 ) (16,642 ) Total loans, net $ 2,036,321 $ 1,926,883
Schedule of Loan Maturity Distribution by Type and Related Interest Rate	The information in the following tables summarizes the loan maturity distribution by type and related interest rate characteristics based on the contractual maturities of individual loans, including loans which may be subject to renewal at their contractual maturity. Renewal of such loans is subject to review and credit approval, as well as modification of terms upon maturity. Actual repayments of loans may differ from the maturities reflected below, because borrowers have the right to prepay obligations with or without prepayment penalties. September 30, 2020 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 20,585 136,345 262,386 419,316 Non-owner occupied RE 47,848 312,776 209,515 570,139 Construction 19,699 23,221 21,143 64,063 Business 72,291 145,878 85,591 303,760 Total commercial loans 160,423 618,220 578,635 1,357,278 Consumer Real estate 12,314 63,182 421,188 496,684 Home equity 5,339 24,279 132,177 161,795 Construction 5,053 325 33,977 39,355 Other 6,810 12,604 4,014 23,428 Total consumer loans 29,516 100,390 591,356 721,262 Total gross loans, net of deferred fees $ 189,939 718,610 1,169,991 2,078,540 Loans maturing after one year with: Fixed interest rates $ 1,536,279 Floating interest rates 352,322 13 December 31, 2019 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 40,476 147,945 219,430 407,851 Non-owner occupied RE 55,187 267,879 178,812 501,878 Construction 31,035 19,278 30,173 80,486 Business 84,452 146,051 77,620 308,123 Total commercial loans 211,150 581,153 506,035 1,298,338 Consumer Real estate 16,663 82,445 299,137 398,245 Home equity 9,921 25,828 143,989 179,738 Construction 13,405 1,222 26,844 41,471 Other 6,422 15,022 4,289 25,733 Total consumer 46,411 124,517 474,259 645,187 Total gross loan, net of deferred fees $ 257,561 705,670 980,294 1,943,525 Loans maturing after one year with: Fixed interest rates $ 1,310,744 Floating interest rates 375,220
Schedule of Nonperforming Assets, Including Nonaccruing TDRs	Following is a summary of our nonperforming assets, including nonaccruing TDRs. (dollars in thousands) September 30, 2020 December 31, 2019 Commercial Owner occupied RE $ - - Non-owner occupied RE 1,059 188 Construction 143 - Business 201 235 Consumer Real estate 2,518 1,829 Home equity 632 431 Construction - - Other - - Nonaccruing troubled debt restructurings 4,198 4,111 Total nonaccrual loans, including nonaccruing TDRs 8,751 6,794 Other real estate owned 1,684 - Total nonperforming assets $ 10,435 6,794 Nonperforming assets as a percentage of: Total assets 0.42 % 0.30 % Gross loans 0.50 % 0.35 % Total loans over 90 days past due $ 2,742 2,038 Loans over 90 days past due and still accruing - - Accruing troubled debt restructurings 5,277 5,219
Schedule of Key Information for Impaired Loans	The table below summarizes key information for impaired loans. The Company’s impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. The Company’s commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses. September 30, 2020 Recorded investment Impaired loans Impaired loans Unpaid with no related with related Related Principal Impaired allowance for allowance for allowance for (dollars in thousands) Balance loans loan losses loan losses loan losses Commercial Owner occupied RE $ 2,316 2,296 1,843 453 92 Non-owner occupied RE 3,114 2,143 610 1,533 455 Construction 143 143 143 - - Business 2,919 2,483 281 2,202 910 Total commercial 8,492 7,065 2,877 4,188 1,457 Consumer Real estate 4,206 4,031 3,152 879 75 Home equity 2,982 2,794 2,439 355 252 Construction - - - - - Other 138 138 - 138 18 Total consumer 7,326 6,963 5,591 1,372 345 Total $ 15,818 14,028 8,468 5,560 1,802 17 December 31, 2019 Recorded investment Impaired loans Impaired loans Unpaid with no related with related Related Principal Impaired allowance for allowance for allowance for (dollars in thousands) Balance loans loan losses loan losses loan losses Commercial Owner occupied RE $ 2,791 2,726 2,270 456 75 Non-owner occupied RE 4,512 4,051 2,419 1,632 465 Construction - - - - - Business 1,620 1,531 558 973 452 Total commercial 8,923 8,308 5,247 3,061 992 Consumer Real estate 2,727 2,720 1,638 1,082 364 Home equity 885 838 459 379 66 Construction - - - - - Other 147 147 - 147 16 Total consumer 3,759 3,705 2,097 1,608 446 Total $ 12,682 12,013 7,344 4,669 1,438
Schedule of Average Recorded Investment and Interest Income Recognized on Impaired Loans	The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class. Three months ended September 30, 2020 Three months ended September 30, 2019 Average Recognized Average Recognized recorded interest recorded interest (dollars in thousands) investment income investment income Commercial Owner occupied RE $ 2,985 40 2,728 27 Non-owner occupied RE 3,880 63 4,077 74 Construction 72 2 - - Business 2,506 51 1,738 14 Total commercial 9,443 156 8,543 115 Consumer Real estate 3,063 58 2,876 30 Home equity 2,540 22 1,668 30 Construction - - - - Other 139 1 151 2 Total consumer 5,742 81 4,695 62 Total $ 15,185 237 13,238 177 Nine months ended Nine months ended Year ended September 30, 2020 September 30, 2019 December 31, 2019 Average Recognized Average Recognized Average Recognized recorded interest recorded interest recorded interest (dollars in thousands) investment income investment income investment income Commercial Owner occupied RE $ 2,617 73 2,742 96 2,739 128 Non-owner occupied RE 4,724 165 4,139 202 4,161 255 Construction 36 2 - - - - Business 2,270 98 1,766 61 1,582 79 Total commercial 9,647 338 8,647 359 8,482 462 Consumer Real estate 3,207 98 3,062 97 2,771 131 Home equity 2,067 39 1,688 82 853 42 Construction - - - - - - Other 143 3 154 4 153 5 Total consumer 5,417 140 4,904 183 3,777 178 Total $ 15,064 478 13,551 542 12,259 640
Schedule of Allowance for Loan Losses by Commercial and Consumer Portfolio Segments	The following table summarizes the activity related to the allowance for loan losses by commercial and consumer portfolio segments: Three months ended September 30, 2020 Commercial Consumer Owner Non-owner occupied occupied Real Home (dollars in thousands) RE RE Construction Business Estate equity Construction Other Total Balance, beginning of period $ 5,800 8,791 977 5,841 6,538 2,641 615 399 31,602 Provision for loan losses 2,105 2,461 217 2,274 2,936 850 87 170 11,100 Loan charge-offs - (375 ) - (564 ) - (100 ) - (25 ) (1,064 ) Loan recoveries - 554 - 14 2 - - 11 581 Net loan charge-offs - 179 - (550 ) 2 (100 ) - (14 ) (483 ) Balance, end of period $ 7,905 11,431 1,194 7,565 9,476 3,391 702 555 42,219 Net charge-offs to average loans (annualized) 0.09 % Allowance for loan losses to gross loans 2.03 % Allowance for loan losses to nonperforming loans 482.43 % Three months ended September 30, 2019 Commercial Consumer (dollars in thousands) Owner occupied RE Non-owner occupied RE Construction Business Real Estate Home equity Construction Other Total Balance, beginning of period $ 2,808 4,016 569 3,623 3,104 1,409 318 297 16,144 Provision for loan losses (75 ) 237 (63 ) 588 (93 ) 14 8 34 650 Loan charge-offs - (225 ) - (709 ) - - - (29 ) (963 ) Loan recoveries - - - 8 7 1 - 1 17 Net loan charge-offs - (225 ) - (701 ) 7 1 - (28 ) (946 ) Balance, end of period $ 2,733 4,028 506 3,510 3,018 1,424 326 303 15,848 Net charge-offs to average loans (annualized) 0.21 % Allowance for loan losses to gross loans 0.86 % Allowance for loan losses to nonperforming loans 225.51 % Nine months ended September 30, 2020 Commercial Consumer (dollars in thousands) Owner occupied RE Non-owner occupied RE Construction Business Real Estate Home equity Construction Other Total Balance, beginning of period $ 2,835 4,304 541 3,692 3,278 1,447 268 277 16,642 Provision for loan losses 5,070 8,081 653 4,562 6,187 1,976 434 337 27,300 Loan charge-offs - (1,508 ) - (735 ) - (100 ) - (70 ) (2,413 ) Loan recoveries - 554 - 46 11 68 - 11 690 Net loan charge-offs - (954 ) - (689 ) 11 (32 ) - (59 ) (1,723 ) Balance, end of period $ 7,905 11,431 1,194 7,565 9,476 3,391 702 555 42,219 Net charge-offs to average loans (annualized) 0.11 % Nine months ended September 30, 2019 Commercial Consumer Owner occupied RE Non-owner occupied RE Construction Business Real Estate Home equity Construction Other Total Balance, beginning of period $ 2,726 3,811 615 3,616 3,081 1,348 275 290 15,762 Provision for loan losses 117 454 (109 ) 577 (99 ) 174 51 85 1,250 Loan charge-offs ( 110 ) (239 ) - (709 ) - (100 ) - (82 ) (1,240 ) Loan recoveries - 2 - 26 36 2 - 10 76 Net loan charge-offs (110 ) (237 ) - (683 ) 36 (98 ) - (72 ) (1,164 ) Balance, end of period $ 2,733 4,028 506 3,510 3,018 1,424 326 303 15,848 Net charge-offs to average loans (annualized) 0.09 %
Schedule of Allowance for Loan Losses and Recorded Investment in Loans by Impairment	The following table disaggregates the allowance for loan losses and recorded investment in loans by impairment methodology. September 30, 2020 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 1,457 345 1,802 7,065 6,963 14,028 Collectively evaluated 26,638 13,779 40,417 1,350,213 714,299 2,064,512 Total $ 28,095 14,124 42,219 1,357,278 721,262 2,078,540 December 31, 2019 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 992 446 1,438 8,308 3,705 12,013 Collectively evaluated 10,380 4,824 15,204 1,290,030 641,482 1,931,512 Total $ 11,372 5,270 16,642 1,298,338 645,187 1,943,525
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Summary of breakdown of outstanding loans by risk category	The tables below provide a breakdown of outstanding consumer loans by risk category. September 30, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 489,923 156,496 39,355 23,287 709,061 Special mention 2,182 1,351 - 107 3,640 Substandard 4,579 3,948 - 34 8,561 Doubtful - - - - - $ 496,684 161,795 39,355 23,428 721,262 December 31, 2019 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 392,572 176,532 41,471 25,421 635,996 Special mention 2,267 775 - 261 3,303 Substandard 3,406 2,431 - 51 5,888 Doubtful - - - - - $ 398,245 179,738 41,471 25,733 645,187
Summary of outstanding commercial and consumer loans which include loans on nonaccrual by past due status	The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status as well as accruing TDRs. September 30, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 494,202 160,605 39,355 23,428 717,590 30-59 days past due 857 399 - - 1,256 60-89 days past due - 494 - - 494 Greater than 90 Days 1,625 297 - - 1,922 $ 496,684 161,795 39,355 23,428 721,262 December 31, 2019 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 396,445 179,051 41,471 25,650 642,617 30-59 days past due 799 369 - 83 1,251 60-89 days past due - 118 - - 118 Greater than 90 Days 1,001 200 - - 1,201 $ 398,245 179,738 41,471 25,733 645,187
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Summary of breakdown of outstanding loans by risk category	The tables below provide a breakdown of outstanding commercial loans by risk category. September 30, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Pass $ 415,899 560,896 63,920 297,179 1,337,894 Special mention 359 6,078 - 2,596 9,033 Substandard 3,058 3,165 143 3,985 10,351 Doubtful - - - - - $ 419,316 570,139 64,063 303,760 1,357,278 December 31, 2019 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Pass $ 404,237 492,941 80,486 301,504 1,279,168 Special mention 1,312 744 - 3,108 5,164 Substandard 2,302 8,193 - 3,511 14,006 Doubtful - - - - - $ 407,851 501,878 80,486 308,123 1,298,338
Summary of outstanding commercial and consumer loans which include loans on nonaccrual by past due status	The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status as well as accruing TDRs. September 30, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Current $ 418,765 569,552 64,063 303,248 1,355,628 30-59 days past due - - - 475 475 60-89 days past due - 355 - - 355 Greater than 90 Days 551 232 - 37 820 $ 419,316 570,139 64,063 303,760 1,357,278 December 31, 2019 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Current $ 406,594 501,676 80,486 307,710 1,296,466 30-59 days past due 706 151 - 178 1,035 60-89 days past due - - - - - Greater than 90 Days 551 51 - 235 837 $ 407,851 501,878 80,486 308,123 1,298,338

Troubled Debt Restructurings (T

Troubled Debt Restructurings (Tables)	9 Months Ended
	Sep. 30, 2020
Troubled Debt Restructurings [Abstract]
Schedule of Concession at the Time of Modification and the Recorded Investment In Our Tdrs Before and After Their Modification	The following table summarizes the concession at the time of modification and the recorded investment in the Company’s TDRs before and after their modification for the nine months ended September 30, 2020 and 2019. New TDRs for the three months ended September 30, 2020 and 2019 were not material. For the nine months ended September 30, 2020 Pre- Post- modification modification Renewals Reduced or Converted Maturity Total outstanding outstanding deemed a deferred to interest date Number recorded recorded (dollars in thousands) concession payments only extensions of loans investment investment Commercial Business 1 - - - 1 $ 1,037 $ 1,037 Consumer Real estate 2 - - - 2 647 647 Home equity 3 - - - 3 1,852 1,852 Total loans 6 - - - 6 $ 3,536 $ 3,536 For the nine months ended September 30, 2019 Pre- Post- modification modification Renewals Reduced or Converted Maturity Total outstanding outstanding deemed a deferred to interest date Number recorded recorded (dollars in thousands) concession payments only extensions of loans investment investment Consumer Home equity 1 - - - 1 $ 832 $ 832 Total loans 1 - - - 1 $ 832 $ 832

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Outstanding Financial Derivative Instruments	The following table summarizes the Company’s outstanding financial derivative instruments at September 30, 2020 and December 31, 2019. September 30, 2020 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 138,692 Other assets $ 2,963 MBS forward sales commitments 102,500 Other liabilities (379 ) Total derivative financial instruments $ 241,192 $ 2,584 December 31, 2019 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 26,446 Other assets $ 344 MBS forward sales commitments 20,500 Other liabilities (39 ) Total derivative financial instruments $ 46,946 $ 305

Fair Value Accounting (Tables)

Fair Value Accounting (Tables)	9 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Schedule of Assets And Liabilities Measured at Fair Value on Recurring Basis	The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of September 30, 2020 and December 31, 2019. September 30, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale US government agencies $ - 5,497 - 5,497 SBA securities - 490 - 490 State and political subdivisions - 16,544 - 16,544 Asset-backed securities - 11,769 - 11,769 Mortgage-backed securities - 53,691 - 53,691 Mortgage loans held for sale - 63,823 - 63,823 Mortgage loan interest rate lock commitments - 2,963 - 2,963 Total assets measured at fair value on a recurring basis $ - 154,777 - 154,777 Liabilities MBS forward sales commitments $ - 379 - 379 Total liabilities measured at fair value on a recurring basis $ - 379 - 379 December 31, 2019 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale: US government agencies $ - 499 - 499 SBA securities - 531 - 531 State and political subdivisions - 4,184 - 4,184 Asset-backed securities - 13,167 - 13,167 Mortgage-backed securities - 49,313 - 49,313 Mortgage loans held for sale - 27,046 - 27,046 Mortgage loan interest rate lock commitments - 344 - 344 Total assets measured at fair value on a recurring basis $ - 95,084 - 95,084 Liabilities MBS forward sales commitments $ - 39 - 39 Total liabilities measured at fair value on a recurring basis $ - 39 - 39
Schedule of Assets And Liabilities Measured at Fair Value on Nonrecurring Basis	The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis as of September 30, 2020 and December 31, 2019. As of September 30, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 8,787 3,439 12,226 Other real estate owned - 1,684 - 1,684 Total assets measured at fair value on a nonrecurring basis $ - 10,471 3,439 13,910 As of December 31, 2019 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 5,634 4,941 10,575 Total assets measured at fair value on a nonrecurring basis $ - 5,634 4,941 10,575
Schedule of Estimated Fair Values of the Company's Financial Instruments	The estimated fair values of the Company’s financial instruments at September 30, 2020 and December 31, 2019 are as follows: September 30, 2020 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 2,589 2,589 - - 2,589 Loans 1 2,022,293 1,998,389 - - 1,998,389 Financial Liabilities: Deposits 2,181,056 2,080,946 - 2,080,946 - Subordinated debentures 35,971 30,092 - 30,092 - December 31, 2019 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 6,948 6,948 - - 6,948 Loans 1 1,914,870 1,900,216 - - 1,900,216 Financial Liabilities: Deposits 1,876,124 1,772,121 - 1,772,121 - FHLB and other borrowings 110,000 109,737 - 109,737 - Subordinated debentures 35,890 33,250 - 33,250 - 1 Carrying amount is net of the allowance for loan losses and previously presented impaired loans.

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2020
Leases [Abstract]
Maturities of lease liabilities	Maturities of lease liabilities as of September 30, 2020 were as follows: Operating (dollars in thousands) Leases 2020 $ 599 2021 2,400 2022 1,655 2023 1,534 2024 1,573 Thereafter 18,446 Total undiscounted lease payments 26,207 Discount effect of cash flows 5,223 Total lease liability $ 20,984

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2020
Earnings per common share
Schedule of Earnings Per Share Calculation	The following schedule reconciles the numerators and denominators of the basic and diluted earnings per share computations for the three- and nine- month periods ended September 30, 2020 and 2019. Dilutive common shares arise from the potentially dilutive effect of the Company’s stock options that were outstanding at September 30, 2020. The assumed conversion of stock options can create a difference between basic and dilutive net income per common share. At September 30, 2020 and 2019, there were 337,998 and 259,656 options, respectively, that were not considered in computing diluted earnings per common share because they were anti-dilutive. Three months ended Nine months ended September 30, September 30, (dollars in thousands, except share data) 2020 2019 2020 2019 Numerator: Net income available to common shareholders $ 2,217 7,412 9,727 20,661 Denominator: Weighted-average common shares outstanding – basic 7,732,293 7,548,184 7,711,181 7,501,337 Common stock equivalents 82,972 232,320 109,164 258,274 Weighted-average common shares outstanding – diluted 7,815,265 7,780,504 7,820,345 7,759,611 Earnings per common share: Basic $ 0.29 0.98 1.26 2.75 Diluted $ 0.28 0.95 1.24 2.66

Reportable Segments (Tables)

Reportable Segments (Tables)	9 Months Ended
	Sep. 30, 2020
Segment Reporting [Abstract]
Schedule of Financial Information for Each Reportable Segment	The Company’s reportable segments represent the distinct product lines the Company offers and are viewed separately for strategic planning purposes by management. The three Three months ended Three months ended September 30, 2020 September 30, 2019 Commercial Commercial and Retail Mortgage Elimin- Consol- and Retail Mortgage Elimin- Consol- (dollars in thousands) Banking Banking Corporate ations idated Banking Banking Corporate ation idated Interest income $ 23,102 313 3 (3 ) 23,415 23,830 226 4 (4 ) 24,056 Interest expense 2,396 - 385 (3 ) 2,778 6,628 - 153 (4 ) 6,777 Net interest income (loss) 20,706 313 (382 ) - 20,637 17,202 226 (149 ) - 17,279 Provision for loan losses 11,100 - - - 11,100 650 - - - 650 Noninterest income 1,307 6,277 - - 7,584 1,341 3,055 - - 4,396 Noninterest expense 11,445 2,666 72 - 14,183 9,529 1,895 60 - 11,484 Net income (loss) before taxes (532 ) 3,924 (454 ) - 2,938 8,364 1,386 (209 ) - 9,541 Income tax provision (benefit) (128 ) 944 (95 ) - 721 1,882 291 (44 ) - 2,129 Net income (loss) $ (404 ) 2,980 (359 ) - 2,217 6,482 1,095 (165 ) - 7,412 Total assets $ 2,411,966 66,915 254,721 (254,191 ) 2,479,411 2,187,449 13,765 234,845 (234,433 ) 2,201,626 24 Nine months ended Nine months ended September 30, 2020 September 30, 2019 Commercial Commercial and Retail Mortgage Elimin- Consol- and Retail Mortgage Elimin- Consol- (dollars in thousands) Banking Banking Corporate ations idated Banking Banking Corporate ation idated Interest income $ 70,480 791 13 (13 ) 71,271 68,283 473 9 (9 ) 68,756 Interest expense 11,452 - 1,325 (13 ) 12,764 18,649 - 480 (9 ) 19,120 Net interest income (loss) 59,028 791 (1,312 ) - 58,507 49,634 473 (471 ) - 49,636 Provision for loan losses 27,300 - - - 27,300 1,250 - - - 1,250 Noninterest income 5,987 14,721 - - 20,708 3,739 7,741 - - 11,480 Noninterest expense 32,134 6,841 223 - 39,198 28,604 4,716 180 - 33,500 Net income before taxes 5,581 8,671 (1,535 ) - 12,717 23,519 3,498 (651 ) - 26,366 Income tax provision (benefit) 1,491 1,821 (322 ) - 2,990 5,107 735 (137 ) - 5,705 Net income (loss) $ 4,090 6,850 (1,213 ) - 9,727 18,412 2,763 (514 ) - 20,661 Total assets $ 2,411,966 66,915 254,721 (254,191 ) 2,479,411 2,187,449 13,765 234,845 (234,433 ) 2,201,626

Nature of Business and Basis _3

Nature of Business and Basis of Presentation (Narrative) (Details) - USD ($) $ in Millions	Sep. 30, 2020	Mar. 16, 2020	Mar. 03, 2020
Federal reserve reduced target federal funds rate basis point		1.00%	0.50%
Line of credit	$ 15
Holding Company Line of Credit [Member]
Line of credit borrowing capacity	$ 15

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) $ in Millions	Sep. 30, 2020USD ($)Investments	Dec. 31, 2019Investments
Investment Securities (Textual)
Fair market value, less than 12 months, number of investments | Investments	25	28
Fair market value, less than 12 months | $	$ 29.3
Fair market value, 12 months or longer, number of investments | Investments	9
Fair market value, 12 months or longer | $	$ 9.7

Investment Securities (Schedule

Investment Securities (Schedule of Amortized Costs and Fair Value of Investment Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Available for sale
Available-for-sale securities, investment securities, Fair Value	$ 87,991	$ 67,694
Total investment securities available for sale, Gross Unrealized Gains	1,527	56
Total investment securities available for sale, Gross Unrealized Losses	432	433
Total investment securities available for sale, Amortized Cost	86,896	68,071
US Government Agencies [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	5,497	499
Total investment securities available for sale, Gross Unrealized Gains
Total investment securities available for sale, Gross Unrealized Losses	3	1
Total investment securities available for sale, Amortized Cost	5,500	500
SBA Securities [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	490	531
Total investment securities available for sale, Gross Unrealized Gains
Total investment securities available for sale, Gross Unrealized Losses	19	19
Total investment securities available for sale, Amortized Cost	509	550
State and Political Subdivisions [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	16,544	4,184
Total investment securities available for sale, Gross Unrealized Gains	641	3
Total investment securities available for sale, Gross Unrealized Losses	29	24
Total investment securities available for sale, Amortized Cost	15,932	4,205
Asset-backed Securities [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	11,769	13,167
Total investment securities available for sale, Gross Unrealized Gains	2
Total investment securities available for sale, Gross Unrealized Losses	189	184
Total investment securities available for sale, Amortized Cost	11,956	13,351
Mortgage Backed Securities [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	53,691	49,313
Total investment securities available for sale, Gross Unrealized Gains	884	53
Total investment securities available for sale, Gross Unrealized Losses	192	205
Total investment securities available for sale, Amortized Cost	52,999	49,465
Mortgage Backed Securities [Member] | FHLMC [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	12,196	10,608
Total investment securities available for sale, Gross Unrealized Gains	238	14
Total investment securities available for sale, Gross Unrealized Losses	60	15
Total investment securities available for sale, Amortized Cost	12,018	10,609
Mortgage Backed Securities [Member] | FNMA [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	32,325	35,140
Total investment securities available for sale, Gross Unrealized Gains	602	34
Total investment securities available for sale, Gross Unrealized Losses	80	169
Total investment securities available for sale, Amortized Cost	31,803	35,275
Mortgage Backed Securities [Member] | GNMA [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	9,170	3,565
Total investment securities available for sale, Gross Unrealized Gains	44	5
Total investment securities available for sale, Gross Unrealized Losses	52	21
Total investment securities available for sale, Amortized Cost	$ 9,178	$ 3,581

Investment Securities (Schedu_2

Investment Securities (Schedule of Fair Values Investment Securities Available for Contractual Maturities) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount	$ 5,252	$ 4,675
Contractual Maturities, One to five years, Yield	1.13%	1.98%
Contractual Maturities, Five to ten years, Amount	$ 15,860	$ 10,414
Contractual Maturities, Five to ten years, Yield	1.85%	2.17%
Contractual Maturities, Over ten years, Amount	$ 66,879	$ 52,605
Contractual Maturities, Over ten years, Yield	1.53%	2.34%
Contractual Maturities, Total, Amount	$ 87,991	$ 67,694
Contractual Maturities, Total, Yield	1.57%	2.29%
US Government Agencies [Member]
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount	$ 2,500	$ 499
Contractual Maturities, One to five years, Yield	0.37%	1.97%
Contractual Maturities, Five to ten years, Amount	$ 1,998
Contractual Maturities, Five to ten years, Yield	1.01%
Contractual Maturities, Over ten years, Amount	$ 999
Contractual Maturities, Over ten years, Yield	1.48%
Contractual Maturities, Total, Amount	$ 5,497	$ 499
Contractual Maturities, Total, Yield	0.80%	1.97%
SBA Securities [Member]
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount
Contractual Maturities, One to five years, Yield
Contractual Maturities, Five to ten years, Amount
Contractual Maturities, Five to ten years, Yield
Contractual Maturities, Over ten years, Amount	$ 490	$ 531
Contractual Maturities, Over ten years, Yield	0.98%	2.62%
Contractual Maturities, Total, Amount	$ 490	$ 531
Contractual Maturities, Total, Yield	0.98%	2.62%
State and Political Subdivisions [Member]
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount		$ 808
Contractual Maturities, One to five years, Yield		2.81%
Contractual Maturities, Five to ten years, Amount	$ 3,050	$ 1,283
Contractual Maturities, Five to ten years, Yield	2.49%	2.96%
Contractual Maturities, Over ten years, Amount	$ 13,494	$ 2,093
Contractual Maturities, Over ten years, Yield	2.38%	2.67%
Contractual Maturities, Total, Amount	$ 16,544	$ 4,184
Contractual Maturities, Total, Yield	2.40%	2.79%
Asset-backed Securities [Member]
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount
Contractual Maturities, One to five years, Yield
Contractual Maturities, Five to ten years, Amount	$ 2,087	$ 1,493
Contractual Maturities, Five to ten years, Yield	1.18%	2.34%
Contractual Maturities, Over ten years, Amount	$ 9,682	$ 11,674
Contractual Maturities, Over ten years, Yield	1.01%	2.61%
Contractual Maturities, Total, Amount	$ 11,769	$ 13,167
Contractual Maturities, Total, Yield	1.04%	2.58%
Mortgage Backed Securities [Member]
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount	$ 2,752	$ 3,368
Contractual Maturities, One to five years, Yield	1.82%	1.78%
Contractual Maturities, Five to ten years, Amount	$ 8,725	$ 7,638
Contractual Maturities, Five to ten years, Yield	1.98%	2.00%
Contractual Maturities, Over ten years, Amount	$ 42,214	$ 38,307
Contractual Maturities, Over ten years, Yield	1.39%	2.24%
Contractual Maturities, Total, Amount	$ 53,691	$ 49,313
Contractual Maturities, Total, Yield	1.51%	2.17%

Investment Securities (Schedu_3

Investment Securities (Schedule of Gross Unrealized Losses on Investment Securities and Fair Market Value) (Details) $ in Thousands	Sep. 30, 2020USD ($)Investments	Dec. 31, 2019USD ($)Investments
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	25	28
Available for sale Securities, Less than 12 months, Fair value	$ 29,293	$ 30,095
Available for sale Securities, Less than 12 months, Unrealized losses	$ 258	$ 168
Available for sale Securities, 12 months or longer, Number of investments | Investments	9	22
Available for sale Securities, 12 months or longer, Fair value	$ 9,659	$ 20,296
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 174	$ 265
Available for sale Securities, Total, Number of investments | Investments	34	50
Available for sale Securities, Total, Fair value	$ 38,952	$ 50,391
Available for sale Securities, Total, Unrealized losses	$ 432	$ 433
US Government Agencies [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	5	1
Available for sale Securities, Less than 12 months, Fair value	$ 4,997	$ 499
Available for sale Securities, Less than 12 months, Unrealized losses	$ 3	$ 1
Available for sale Securities, 12 months or longer, Number of investments | Investments
Available for sale Securities, 12 months or longer, Fair value
Available for sale Securities, 12 months or Longer, Unrealized losses
Available for sale Securities, Total, Number of investments | Investments	5	1
Available for sale Securities, Total, Fair value	$ 4,997	$ 499
Available for sale Securities, Total, Unrealized losses	$ 3	$ 1
SBA Securities [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments
Available for sale Securities, Less than 12 months, Fair value
Available for sale Securities, Less than 12 months, Unrealized losses
Available for sale Securities, 12 months or longer, Number of investments | Investments	1	1
Available for sale Securities, 12 months or longer, Fair value	$ 490	$ 531
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 19	$ 19
Available for sale Securities, Total, Number of investments | Investments	1	1
Available for sale Securities, Total, Fair value	$ 490	$ 531
Available for sale Securities, Total, Unrealized losses	$ 19	$ 19
State and Political Subdivisions [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	7	2
Available for sale Securities, Less than 12 months, Fair value	$ 4,532	$ 2,093
Available for sale Securities, Less than 12 months, Unrealized losses	$ 29	$ 24
Available for sale Securities, 12 months or longer, Number of investments | Investments
Available for sale Securities, 12 months or longer, Fair value
Available for sale Securities, 12 months or Longer, Unrealized losses
Available for sale Securities, Total, Number of investments | Investments	7	2
Available for sale Securities, Total, Fair value	$ 4,532	$ 2,093
Available for sale Securities, Total, Unrealized losses	$ 29	$ 24
Asset-backed Securities [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	4	5
Available for sale Securities, Less than 12 months, Fair value	$ 3,922	$ 5,921
Available for sale Securities, Less than 12 months, Unrealized losses	$ 57	$ 68
Available for sale Securities, 12 months or longer, Number of investments | Investments	5	5
Available for sale Securities, 12 months or longer, Fair value	$ 7,016	$ 7,246
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 132	$ 116
Available for sale Securities, Total, Number of investments | Investments	9	10
Available for sale Securities, Total, Fair value	$ 10,938	$ 13,167
Available for sale Securities, Total, Unrealized losses	$ 189	$ 184
Mortgage Backed Securities [Member] | FHLMC [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	3	4
Available for sale Securities, Less than 12 months, Fair value	$ 4,065	$ 3,842
Available for sale Securities, Less than 12 months, Unrealized losses	$ 60	$ 2
Available for sale Securities, 12 months or longer, Number of investments | Investments		4
Available for sale Securities, 12 months or longer, Fair value		$ 2,323
Available for sale Securities, 12 months or Longer, Unrealized losses		$ 13
Available for sale Securities, Total, Number of investments | Investments	3	8
Available for sale Securities, Total, Fair value	$ 4,065	$ 6,165
Available for sale Securities, Total, Unrealized losses	$ 60	$ 15
Mortgage Backed Securities [Member] | FNMA [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	3	14
Available for sale Securities, Less than 12 months, Fair value	$ 5,510	$ 15,500
Available for sale Securities, Less than 12 months, Unrealized losses	$ 57	$ 67
Available for sale Securities, 12 months or longer, Number of investments | Investments	3	11
Available for sale Securities, 12 months or longer, Fair value	$ 2,153	$ 9,462
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 23	$ 102
Available for sale Securities, Total, Number of investments | Investments	6	25
Available for sale Securities, Total, Fair value	$ 7,663	$ 24,962
Available for sale Securities, Total, Unrealized losses	$ 80	$ 169
Mortgage Backed Securities [Member] | GNMA [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	3	2
Available for sale Securities, Less than 12 months, Fair value	$ 6,267	$ 2,240
Available for sale Securities, Less than 12 months, Unrealized losses	$ 52	$ 6
Available for sale Securities, 12 months or longer, Number of investments | Investments		1
Available for sale Securities, 12 months or longer, Fair value		$ 734
Available for sale Securities, 12 months or Longer, Unrealized losses		$ 15
Available for sale Securities, Total, Number of investments | Investments	3	3
Available for sale Securities, Total, Fair value	$ 6,267	$ 2,974
Available for sale Securities, Total, Unrealized losses	$ 52	$ 21

Investment Securities (Schedu_4

Investment Securities (Schedule of Other Investments) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Other investments
Federal Home Loan Bank stock	$ 2,041	$ 6,386
Other investments	145	159
Investment in Trust Preferred securities	403	403
Total other investments	$ 2,589	$ 6,948

Mortgage Loans Held for Sale (N

Mortgage Loans Held for Sale (Narrative) (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Mortgage Loans Held for Sale (Textual)
Mortgage loans held for sale, fair value	$ 63.8	$ 27

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Narrative) (Details) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended		9 Months Ended
	Jun. 26, 2020	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Line Items]
Interest income		$ 23,042	$ 22,817	$ 69,963	$ 65,804
Part of loans of 30 days or more past due as a percentage of total loan portfolio		0.26%		0.26%		0.23%
Net of deferred loan fees and costs		$ 3,600		$ 3,600		$ 3,300
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Part of loans of 30 days or more past due as a percentage of total loan portfolio		0.08%		0.08%		0.10%
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Part of loans of 30 days or more past due as a percentage of total loan portfolio		0.18%		0.18%		0.13%
Paycheck Protection Program [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Percentage of SBA to guarantee of certain loans				100.00%
Number of loan processed				853
Loans receivables		$ 97,500		$ 97,500
Interest income	$ 2,200			$ 3,900

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Schedule of Composition of Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 2,078,540	$ 1,943,525
Total gross loans, net of deferred fees, (Percentage)	100.00%	100.00%
Less-allowance for loan losses	$ (42,219)	$ (16,642)
Total loans, net	2,036,321	1,926,883
Commercial Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 1,357,278	$ 1,298,338
Total gross loans, net of deferred fees, (Percentage)	65.30%	66.80%
Commercial Loan [Member] | Owner Occupied Re [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 419,316	$ 407,851
Total gross loans, net of deferred fees, (Percentage)	20.20%	21.00%
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 570,139	$ 501,878
Total gross loans, net of deferred fees, (Percentage)	27.40%	25.80%
Commercial Loan [Member] | Business Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 303,760	$ 308,123
Total gross loans, net of deferred fees, (Percentage)	14.60%	15.90%
Commercial Loan [Member] | Construction Loans [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 64,063	$ 80,486
Total gross loans, net of deferred fees, (Percentage)	3.10%	4.10%
Consumer Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 721,262	$ 645,187
Total gross loans, net of deferred fees, (Percentage)	34.70%	33.20%
Consumer Loan [Member] | Other Consumer [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 23,428	$ 25,733
Total gross loans, net of deferred fees, (Percentage)	1.10%	1.30%
Consumer Loan [Member] | Construction Loans [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 39,355	$ 41,471
Total gross loans, net of deferred fees, (Percentage)	1.90%	2.10%
Consumer Loan [Member] | Real Estate Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 496,684	$ 398,245
Total gross loans, net of deferred fees, (Percentage)	23.90%	20.50%
Consumer Loan [Member] | Home Equity Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 161,795	$ 179,738
Total gross loans, net of deferred fees, (Percentage)	7.80%	9.30%

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses (Schedule of Loan Maturity Distribution by Type and Related Interest Rate) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	$ 189,939	$ 257,561
Total gross loans, net of deferred fees, After one but within five years	718,610	705,670
Total gross loans, net of deferred fees, After five years	1,169,991	980,294
Total gross loans, net of deferred fees	2,078,540	1,943,525
Loans maturing after one year with: fixed interest rates	1,536,279	1,310,744
Loans maturing after one year with: floating interest rates	352,322	375,220
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	160,423	211,150
Total gross loans, net of deferred fees, After one but within five years	618,220	581,153
Total gross loans, net of deferred fees, After five years	578,635	506,035
Total gross loans, net of deferred fees	1,357,278	1,298,338
Commercial Loan [Member] | Owner Occupied Re [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	20,585	40,476
Total gross loans, net of deferred fees, After one but within five years	136,345	147,945
Total gross loans, net of deferred fees, After five years	262,386	219,430
Total gross loans, net of deferred fees	419,316	407,851
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	47,848	55,187
Total gross loans, net of deferred fees, After one but within five years	312,776	267,879
Total gross loans, net of deferred fees, After five years	209,515	178,812
Total gross loans, net of deferred fees	570,139	501,878
Commercial Loan [Member] | Business Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	72,291	84,452
Total gross loans, net of deferred fees, After one but within five years	145,878	146,051
Total gross loans, net of deferred fees, After five years	85,591	77,620
Total gross loans, net of deferred fees	303,760	308,123
Commercial Loan [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	19,699	31,035
Total gross loans, net of deferred fees, After one but within five years	23,221	19,278
Total gross loans, net of deferred fees, After five years	21,143	30,173
Total gross loans, net of deferred fees	64,063	80,486
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	29,516	46,411
Total gross loans, net of deferred fees, After one but within five years	100,390	124,517
Total gross loans, net of deferred fees, After five years	591,356	474,259
Total gross loans, net of deferred fees	721,262	645,187
Consumer Loan [Member] | Other Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	6,810	6,422
Total gross loans, net of deferred fees, After one but within five years	12,604	15,022
Total gross loans, net of deferred fees, After five years	4,014	4,289
Total gross loans, net of deferred fees	23,428	25,733
Consumer Loan [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	5,053	13,405
Total gross loans, net of deferred fees, After one but within five years	325	1,222
Total gross loans, net of deferred fees, After five years	33,977	26,844
Total gross loans, net of deferred fees	39,355	41,471
Consumer Loan [Member] | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	12,314	16,663
Total gross loans, net of deferred fees, After one but within five years	63,182	82,445
Total gross loans, net of deferred fees, After five years	421,188	299,137
Total gross loans, net of deferred fees	496,684	398,245
Consumer Loan [Member] | Home Equity Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	5,339	9,921
Total gross loans, net of deferred fees, After one but within five years	24,279	25,828
Total gross loans, net of deferred fees, After five years	132,177	143,989
Total gross loans, net of deferred fees	$ 161,795	$ 179,738

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses (Schedule of Outstanding Commercial and Consumer Loans as Non-Accruals by Class) (Details) - Commercial Loan [Member] - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	$ 1,355,628	$ 1,296,466
30-59 days past due	475	1,035
60-89 days past due	355
Greater than 90 days	820	837
Total commercial loans	1,357,278	1,298,338
Owner Occupied Re [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	418,765	406,594
30-59 days past due		706
60-89 days past due
Greater than 90 days	551	551
Total commercial loans	419,316	407,851
Non Owner Occupied Re [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	569,552	501,676
30-59 days past due		151
60-89 days past due	355
Greater than 90 days	232	51
Total commercial loans	570,139	501,878
Construction Loans [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	64,063	80,486
30-59 days past due
60-89 days past due
Greater than 90 days
Total commercial loans	64,063	80,486
Business Loan [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	303,248	307,710
30-59 days past due	475	178
60-89 days past due
Greater than 90 days	37	235
Total commercial loans	$ 303,760	$ 308,123

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses (Schedule of Breakdown of Outstanding Loans by Risk Category) (Details) - Commercial Loan [Member] - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	$ 1,357,278	$ 1,298,338
Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	1,337,894	1,279,168
Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	9,033	5,164
Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	10,351	14,006
Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Owner Occupied Re [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	419,316	407,851
Owner Occupied Re [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	415,899	404,237
Owner Occupied Re [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	359	1,312
Owner Occupied Re [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	3,058	2,302
Owner Occupied Re [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Non Owner Occupied Re [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	570,139	501,878
Non Owner Occupied Re [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	560,896	492,941
Non Owner Occupied Re [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	6,078	744
Non Owner Occupied Re [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	3,165	8,193
Non Owner Occupied Re [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Construction Loans [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	64,063	80,486
Construction Loans [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	63,920	80,486
Construction Loans [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Construction Loans [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	143
Construction Loans [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans
Business Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	303,760	308,123
Business Loan [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	297,179	301,504
Business Loan [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	2,596	3,108
Business Loan [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	3,985	3,511
Business Loan [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses (Schedule of Aging of Past Due Loans) (Details) - Consumer Loan [Member] - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	$ 717,590	$ 642,617
30-59 days past due	1,256	1,251
60-89 days past due	494	118
Greater than 90 days	1,922	1,201
Total consumer loans	721,262	645,187
Other Consumer [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	23,428	25,650
30-59 days past due		83
60-89 days past due
Greater than 90 days
Total consumer loans	23,428	25,733
Real Estate [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	494,202	396,445
30-59 days past due	857	799
60-89 days past due
Greater than 90 days	1,625	1,001
Total consumer loans	496,684	398,245
Home Equity Loan [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	160,605	179,051
30-59 days past due	399	369
60-89 days past due	494	118
Greater than 90 days	297	200
Total consumer loans	161,795	179,738
Construction Loans [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Current	39,355	41,471
30-59 days past due
60-89 days past due
Greater than 90 days
Total consumer loans	$ 39,355	$ 41,471

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses (Schedule of Outstanding Consumer Loans by Risk Category) (Details) - Consumer Loan [Member] - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	$ 721,262	$ 645,187
Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	23,428	25,733
Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	709,061	635,996
Pass [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	23,287	25,421
Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	3,640	3,303
Special Mention [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	107	261
Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	8,561	5,888
Substandard [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	34	51
Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Doubtful [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Real Estate Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	496,684	398,245
Real Estate Loan [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	489,923	392,572
Real Estate Loan [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	2,182	2,267
Real Estate Loan [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	4,579	3,406
Real Estate Loan [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Home Equity Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	161,795	179,738
Home Equity Loan [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	156,496	176,532
Home Equity Loan [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	1,351	775
Home Equity Loan [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	3,948	2,431
Home Equity Loan [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Construction Loans [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	39,355	41,471
Construction Loans [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	39,355	41,471
Construction Loans [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Construction Loans [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Construction Loans [Member] | Doubtful [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses (Schedule of Nonperforming Assets, Including Nonaccruing TDRs) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Summary of nonperforming assets
Nonaccruing troubled debt restructurings	$ 4,198	$ 4,111
Total nonaccrual loans, including nonaccruing TDRs	8,751	6,794
Other real estate owned	1,684
Total nonperforming assets	$ 10,435	$ 6,794
Nonperforming assets as a percentage of:
Total assets	0.42%	0.30%
Gross loans	0.50%	0.35%
Total loans over 90 days past due	$ 2,742	$ 2,038
Loans over 90 days past due and still accruing
Accruing troubled debt restructurings	5,277	5,219
Commercial Loan [Member] | Owner Occupied Re [Member]
Summary of nonperforming assets
Nonaccruing
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Summary of nonperforming assets
Nonaccruing	1,059	188
Commercial Loan [Member] | Business Loan [Member]
Summary of nonperforming assets
Nonaccruing	201	235
Commercial Loan [Member] | Construction Loans [Member]
Summary of nonperforming assets
Nonaccruing	143
Consumer Loan [Member] | Other Consumer [Member]
Summary of nonperforming assets
Nonaccruing
Consumer Loan [Member] | Construction Loans [Member]
Summary of nonperforming assets
Nonaccruing
Consumer Loan [Member] | Real Estate Loan [Member]
Summary of nonperforming assets
Nonaccruing	2,518	1,829
Consumer Loan [Member] | Home Equity Loan [Member]
Summary of nonperforming assets
Nonaccruing	$ 632	$ 431

Loans and Allowance for Loan_11

Loans and Allowance for Loan Losses (Schedule of Key Information for Impaired Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Summary of key information for impaired loans
Unpaid Principal Balance	$ 15,818	$ 12,682
Impaired loans	14,028	12,013
Impaired loans with no related allowance for loan losses	8,468	7,344
Impaired loans with related allowance for loan losses	5,560	4,669
Related allowance for loan losses	1,802	1,438
Commercial Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	8,492	8,923
Impaired loans	7,065	8,308
Impaired loans with no related allowance for loan losses	2,877	5,247
Impaired loans with related allowance for loan losses	4,188	3,061
Related allowance for loan losses	1,457	992
Commercial Loan [Member] | Owner Occupied Re [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	2,316	2,791
Impaired loans	2,296	2,726
Impaired loans with no related allowance for loan losses	1,843	2,270
Impaired loans with related allowance for loan losses	453	456
Related allowance for loan losses	92	75
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	3,114	4,512
Impaired loans	2,143	4,051
Impaired loans with no related allowance for loan losses	610	2,419
Impaired loans with related allowance for loan losses	1,533	1,632
Related allowance for loan losses	455	465
Commercial Loan [Member] | Business Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	2,919	1,620
Impaired loans	2,483	1,531
Impaired loans with no related allowance for loan losses	281	558
Impaired loans with related allowance for loan losses	2,202	973
Related allowance for loan losses	910	452
Commercial Loan [Member] | Construction Loans [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	143
Impaired loans	143
Impaired loans with no related allowance for loan losses	143
Impaired loans with related allowance for loan losses
Related allowance for loan losses
Consumer Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	7,326	3,759
Impaired loans	6,963	3,705
Impaired loans with no related allowance for loan losses	5,591	2,097
Impaired loans with related allowance for loan losses	1,372	1,608
Related allowance for loan losses	345	446
Consumer Loan [Member] | Other Consumer [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	138	147
Impaired loans	138	147
Impaired loans with no related allowance for loan losses
Impaired loans with related allowance for loan losses	138	147
Related allowance for loan losses	18	16
Consumer Loan [Member] | Construction Loans [Member]
Summary of key information for impaired loans
Unpaid Principal Balance
Impaired loans
Impaired loans with no related allowance for loan losses
Impaired loans with related allowance for loan losses
Related allowance for loan losses
Consumer Loan [Member] | Real Estate Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	4,206	2,727
Impaired loans	4,031	2,720
Impaired loans with no related allowance for loan losses	3,152	1,638
Impaired loans with related allowance for loan losses	879	1,082
Related allowance for loan losses	75	364
Consumer Loan [Member] | Home Equity Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	2,982	885
Impaired loans	2,794	838
Impaired loans with no related allowance for loan losses	2,439	459
Impaired loans with related allowance for loan losses	355	379
Related allowance for loan losses	$ 252	$ 66

Loans and Allowance for Loan_12

Loans and Allowance for Loan Losses (Average Recorded Investment and Interest Income Recognized on Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	$ 15,185	$ 13,238	$ 15,064	$ 13,551	$ 12,259
Recognized interest income	237	177	478	542	640
Commercial Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	9,443	8,543	9,647	8,647	8,482
Recognized interest income	156	115	338	359	462
Commercial Loan [Member] | Owner Occupied Re [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	2,985	2,728	2,617	2,742	2,739
Recognized interest income	40	27	73	96	128
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	3,880	4,077	4,724	4,139	4,161
Recognized interest income	63	74	165	202	255
Commercial Loan [Member] | Business Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	2,506	1,738	2,270	1,766	1,582
Recognized interest income	51	14	98	61	79
Commercial Loan [Member] | Construction Loans [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	72		36
Recognized interest income	2		2
Consumer Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	5,742	4,695	5,417	4,904	3,777
Recognized interest income	81	62	140	183	178
Consumer Loan [Member] | Other Consumer [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	139	151	143	154	153
Recognized interest income	1	2	3	4	5
Consumer Loan [Member] | Construction Loans [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment
Recognized interest income
Consumer Loan [Member] | Real Estate Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	3,063	2,876	3,207	3,062	2,771
Recognized interest income	58	30	98	97	131
Consumer Loan [Member] | Home Equity Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	2,540	1,668	2,067	1,688	853
Recognized interest income	$ 22	$ 30	$ 39	$ 82	$ 42

Loans and Allowance for Loan_13

Loans and Allowance for Loan Losses (Allowance for Loan Losses by Commercial and Consumer Portfolio Segments) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	$ 31,602	$ 16,144	$ 16,642	$ 15,762
Provision for loan losses	11,100	650	27,300	1,250
Loan charge-offs	(1,064)	(963)	(2,413)	(1,240)
Loan recoveries	581	17	690	76
Net loan charge-offs	(483)	(946)	(1,723)	(1,164)
Balance, end of period	$ 42,219	$ 15,848	$ 42,219	$ 15,848
Net charge-offs to average loans (annualized)	0.09%	0.21%	0.11%	0.09%
Allowance for loan losses to gross loans	2.03%	0.86%
Allowance for loan losses to nonperforming loans	482.43%	225.51%
Commercial Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period			$ 11,372
Balance, end of period	$ 28,095		28,095
Commercial Loan [Member] | Owner Occupied Re [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	5,800	$ 2,808	2,835	$ 2,726
Provision for loan losses	2,105	(75)	5,070	117
Loan charge-offs				(110)
Loan recoveries
Net loan charge-offs				(110)
Balance, end of period	7,905	2,733	7,905	2,733
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	8,791	4,016	4,304	3,811
Provision for loan losses	2,461	237	8,081	454
Loan charge-offs	(375)	(225)	(1,508)	(239)
Loan recoveries	554		554	2
Net loan charge-offs	179	(225)	(954)	(237)
Balance, end of period	11,431	4,028	11,431	4,028
Commercial Loan [Member] | Business Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	5,841	3,623	3,692	3,616
Provision for loan losses	2,274	588	4,562	577
Loan charge-offs	(564)	(709)	(735)	(709)
Loan recoveries	14	8	46	26
Net loan charge-offs	(550)	(701)	(689)	(683)
Balance, end of period	7,565	3,510	7,565	3,510
Commercial Loan [Member] | Construction Loans [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	977	569	541	615
Provision for loan losses	217	(63)	653	(109)
Loan charge-offs
Loan recoveries
Net loan charge-offs
Balance, end of period	1,194	506	1,194	506
Consumer Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period			5,270
Balance, end of period	14,124		14,124
Consumer Loan [Member] | Other Consumer [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	399	297	277	290
Provision for loan losses	170	34	337	85
Loan charge-offs	(25)	(29)	(70)	(82)
Loan recoveries	11	1	11	10
Net loan charge-offs	(14)	(28)	(59)	(72)
Balance, end of period	555	303	555	303
Consumer Loan [Member] | Construction Loans [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	615	318	268	275
Provision for loan losses	87	8	434	51
Loan charge-offs
Loan recoveries
Net loan charge-offs
Balance, end of period	702	326	702	326
Consumer Loan [Member] | Real Estate Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	6,538	3,104	3,278	3,081
Provision for loan losses	2,936	(93)	6,187	(99)
Loan charge-offs
Loan recoveries	2	7	11	36
Net loan charge-offs	2	7	11	36
Balance, end of period	9,476	3,018	9,476	3,018
Consumer Loan [Member] | Home Equity Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	2,641	1,409	1,447	1,348
Provision for loan losses	850	14	1,976	174
Loan charge-offs	(100)		(100)	(100)
Loan recoveries		1	68	2
Net loan charge-offs	(100)	1	(32)	(98)
Balance, end of period	$ 3,391	$ 1,424	$ 3,391	$ 1,424

Loans and Allowance for Loan_14

Loans and Allowance for Loan Losses (Allowance for Loan Losses and Recorded Investment in Loans by Impairment) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Allowance for Loan Losses and Recorded Investment in Loans by Impairment
Allowance for loan losses, Individually evaluated	$ 1,802		$ 1,438
Recorded investment in loans, Individually evaluated	14,028		12,013
Allowance for loan losses, Collectively evaluated	40,417		15,204
Recorded investment in loans, Collectively evaluated	2,064,512		1,931,512
Allowance for loan losses, Total	42,219	$ 31,602	16,642	$ 15,848	$ 16,144	$ 15,762
Recorded investment in loans, Total	2,078,540		1,943,525
Commercial Loan [Member]
Allowance for Loan Losses and Recorded Investment in Loans by Impairment
Allowance for loan losses, Individually evaluated	1,457		992
Recorded investment in loans, Individually evaluated	7,065		8,308
Allowance for loan losses, Collectively evaluated	26,638		10,380
Recorded investment in loans, Collectively evaluated	1,350,213		1,290,030
Allowance for loan losses, Total	28,095		11,372
Recorded investment in loans, Total	1,357,278		1,298,338
Consumer Loan [Member]
Allowance for Loan Losses and Recorded Investment in Loans by Impairment
Allowance for loan losses, Individually evaluated	345		446
Recorded investment in loans, Individually evaluated	6,963		3,705
Allowance for loan losses, Collectively evaluated	13,779		4,824
Recorded investment in loans, Collectively evaluated	714,299		641,482
Allowance for loan losses, Total	14,124		5,270
Recorded investment in loans, Total	$ 721,262		$ 645,187

Troubled Debt Restructurings (N

Troubled Debt Restructurings (Narrative) (Details) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2020USD ($)Investments	Dec. 31, 2019USD ($)Investments
Troubled Debt Restructurings (Textual)
Total number of loans classified under troubled debt restructurings (TDRs) | Investments	22	19
Total sum of loans classified as troubled debt restructurings (TDRs) | $	$ 9.5	$ 9.3
Number of months previous loan payment defaulted	12 months	12 months
Financial difficulty (TDR) [Member]
Troubled Debt Restructurings (Textual)
Total number of loans classified under troubled debt restructurings (TDRs) | Investments	5
Short-term loan | $	$ 3.5

Troubled Debt Restructurings (S

Troubled Debt Restructurings (Summary of Concession at the Time Of Modification) (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)Investments	Sep. 30, 2019USD ($)Investments
Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification
Renewals deemed a concession	6	1
Reduced or deferred payments
Converted to interest only
Maturity date extensions
Total number of loans	6	1
Pre-modification outstanding recorded investment | $	$ 3,536	$ 832
Post-modification outstanding recorded investment | $	$ 3,536	$ 832
Commercial Loan [Member] | Business [Member]
Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification
Renewals deemed a concession	1
Reduced or deferred payments
Converted to interest only
Maturity date extensions
Total number of loans	1
Pre-modification outstanding recorded investment | $	$ 1,037
Post-modification outstanding recorded investment | $	$ 1,037
Consumer Loan [Member] | Real Estate Loan [Member]
Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification
Renewals deemed a concession	2
Reduced or deferred payments
Converted to interest only
Maturity date extensions
Total number of loans	2
Pre-modification outstanding recorded investment | $	$ 647
Post-modification outstanding recorded investment | $	$ 647
Consumer Loan [Member] | Home Equity Loan [Member]
Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification
Renewals deemed a concession	3	1
Reduced or deferred payments
Converted to interest only
Maturity date extensions
Total number of loans	3	1
Pre-modification outstanding recorded investment | $	$ 1,852	$ 832
Post-modification outstanding recorded investment | $	$ 1,852	$ 832

Derivative Financial Instrume_3

Derivative Financial Instruments (Schedule of Outstanding Financial Derivative Instruments) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Interest Rate Lock Commitments [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional	$ 138,692	$ 26,446
Balance Sheet Location, description	Other assets	Other assets
Fair Value, Asset/(Liability)	$ 2,963	$ 344
Securities Sold, Not yet Purchased [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional	$ 102,500	$ 20,500
Balance Sheet Location, description	Other liabilities	Other liabilities
Fair Value, Asset/(Liability)	$ (379)	$ (39)
Derivative [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional	241,192	46,946
Fair Value, Asset/(Liability)	$ 2,584	$ 305

Fair Value Accounting (Schedule

Fair Value Accounting (Schedule of Assets And Liabilities Measured at Fair Value on Recurring Basis) (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Securities available for sale
US government agencies	$ 5,497	$ 499
SBA securities	490	531
State and political subdivisions	16,544	4,184
Asset-backed securities	11,769	13,167
Mortgage-backed securities	53,691	49,313
Mortgage loans held for sale	63,823	27,046
Mortgage loan interest rate lock commitments	2,963	344
Total assets measured at fair value on a recurring basis	154,777	95,084
Liabilities
MBS forward sales commitments	379	39
Total liabilities measured at fair value on a recurring basis	379	39
Fair Value, Inputs, Level 1 [Member]
Securities available for sale
US government agencies
SBA securities
State and political subdivisions
Asset-backed securities
Mortgage-backed securities
Mortgage loans held for sale
Mortgage loan interest rate lock commitments
Total assets measured at fair value on a recurring basis
Liabilities
MBS forward sales commitments
Total liabilities measured at fair value on a recurring basis
Fair Value, Inputs, Level 2 [Member]
Securities available for sale
US government agencies	5,497	499
SBA securities	490	531
State and political subdivisions	16,544	4,184
Asset-backed securities	11,769	13,167
Mortgage-backed securities	53,691	49,313
Mortgage loans held for sale	63,823	27,046
Mortgage loan interest rate lock commitments	2,963	344
Total assets measured at fair value on a recurring basis	154,777	95,084
Liabilities
MBS forward sales commitments	379	39
Total liabilities measured at fair value on a recurring basis	379	39
Fair Value, Inputs, Level 3 [Member]
Securities available for sale
US government agencies
SBA securities
State and political subdivisions
Asset-backed securities
Mortgage-backed securities
Mortgage loans held for sale
Mortgage loan interest rate lock commitments
Total assets measured at fair value on a recurring basis
Liabilities
MBS forward sales commitments
Total liabilities measured at fair value on a recurring basis

Fair Value Accounting (Schedu_2

Fair Value Accounting (Schedule of Assets And Liabilities Measured at Fair Value on Nonrecurring Basis) (Details) - Fair Value, Measurements, Nonrecurring [Member] - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Assets
Impaired loans	$ 12,226	$ 10,575
Other real estate owned	1,684
Total assets measured at fair value on a nonrecurring basis	13,910	10,575
Fair Value, Inputs, Level 1 [Member]
Assets
Impaired loans
Other real estate owned
Total assets measured at fair value on a nonrecurring basis
Fair Value, Inputs, Level 2 [Member]
Assets
Impaired loans	8,787	5,634
Other real estate owned	1,684
Total assets measured at fair value on a nonrecurring basis	10,471	5,634
Fair Value, Inputs, Level 3 [Member]
Assets
Impaired loans	3,439	4,941
Other real estate owned
Total assets measured at fair value on a nonrecurring basis	$ 3,439	$ 4,941

Fair Value Accounting (Schedu_3

Fair Value Accounting (Schedule of Estimated Fair Values of the Company's Financial Instruments) (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Financial Assets:
Other investments, at cost, Carrying Amount		$ 2,589	$ 6,948
Loans, Carrying Amount	[1]	2,022,293	1,914,870
Other investments, at cost, Fair Value		2,589	6,948
Loans, Fair Value	[1]	1,998,389	1,900,216
Financial Liabilities:
Deposits, Carrying Amount		2,181,056	1,876,124
FHLB and other borrowings, Carrying Amount			110,000
Junior subordinated debentures, Carrying Amount		35,971	35,890
Deposits, Fair Value		2,080,946	1,772,121
FHLB and other borrowings, Fair Value			109,737
Junior subordinated debentures, Fair Value		30,092	33,250
Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Other investments, at cost, Fair Value
Loans, Fair Value	[1]
Financial Liabilities:
Deposits, Fair Value
FHLB and other borrowings, Fair Value
Junior subordinated debentures, Fair Value
Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Other investments, at cost, Fair Value
Loans, Fair Value	[1]
Financial Liabilities:
Deposits, Fair Value		2,080,946	1,772,121
FHLB and other borrowings, Fair Value			109,737
Junior subordinated debentures, Fair Value		30,092	33,250
Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Other investments, at cost, Fair Value		2,589	6,948
Loans, Fair Value	[1]	1,998,389	1,900,216
Financial Liabilities:
Deposits, Fair Value
FHLB and other borrowings, Fair Value
Junior subordinated debentures, Fair Value
[1]	Carrying amount is net of the allowance for loan losses and previously presented impaired loans.

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Leases (Textual)
Weighted average remaining life	7 years 5 months 16 days		7 years 5 months 16 days
Weighted average discount rate	2.72%		2.72%
Operating lease costs	$ 616	$ 533	$ 1,800	$ 1,600
Operating lease, right-of-use asset	20,200		20,200		$ 19,500
Lease liabilities	$ 20,984		$ 20,984		$ 20,100

Leases (Maturities of lease lia

Leases (Maturities of lease liabilities) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Leases [Abstract]
2020	$ 599
2021	2,400
2022	1,655
2023	1,534
2024	1,573
Thereafter	18,446
Total undiscounted lease payments	26,207
Discount effect of cash flows	5,223
Total lease liability	$ 20,984	$ 20,100

Earnings Per Common Share (Narr

Earnings Per Common Share (Narrative) (Details) - shares	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Earnings Per Common Share (Textual)
Antidilutive securities excluded from computation of earnings per share, amount	337,998	259,656

Earnings Per Common Share (Sche

Earnings Per Common Share (Schedule of earnings per share calculation) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Numerator:
Net income available to common shareholders	$ 2,217	$ 7,412	$ 9,727	$ 20,661
Denominator:
Weighted-average common shares outstanding - basic	7,732,293	7,548,184	7,711,181	7,501,337
Common stock equivalents	82,972	232,320	109,164	258,274
Weighted-average common shares outstanding - diluted	7,815,265	7,780,504	7,820,345	7,759,611
Earnings per common share:
Basic	$ 0.29	$ 0.98	$ 1.26	$ 2.75
Diluted	$ 0.28	$ 0.95	$ 1.24	$ 2.66

Reportable Segments (Narrative)

Reportable Segments (Narrative) (Details)	9 Months Ended
	Sep. 30, 2020Investments
Reportable Segments (Textual)
Number of segments	3

Reportable Segments (Schedule o

Reportable Segments (Schedule of financial information for each reportable segment) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Segment Reporting Information [Line Items]
Interest income	$ 23,415	$ 24,056	$ 71,271	$ 68,756
Interest expense	2,778	6,777	12,764	19,120
Net interest income (loss)	20,637	17,279	58,507	49,636
Provision for loan losses	11,100	650	27,300	1,250
Noninterest income	7,584	4,396	20,708	11,480
Noninterest expense	14,183	11,484	39,198	33,500
Net income (loss) before taxes	2,938	9,541	12,717	26,366
Income tax provision (benefit)	721	2,129	2,990	5,705
Net income (loss)	2,217	7,412	9,727	20,661
Total assets	2,479,411	2,201,626	2,479,411	2,201,626	$ 2,267,195
Commercial And Retail Banking [Member]
Segment Reporting Information [Line Items]
Interest income	23,102	23,830	70,480	68,283
Interest expense	2,396	6,628	11,452	18,649
Net interest income (loss)	20,706	17,202	59,028	49,634
Provision for loan losses	11,100	650	27,300	1,250
Noninterest income	1,307	1,341	5,987	3,739
Noninterest expense	11,445	9,529	32,134	28,604
Net income (loss) before taxes	(532)	8,364	5,581	23,519
Income tax provision (benefit)	(128)	1,882	1,491	5,107
Net income (loss)	(404)	6,482	4,090	18,412
Total assets	2,411,966	2,187,449	2,411,966	2,187,449
Mortgage Banking [Member]
Segment Reporting Information [Line Items]
Interest income	313	226	791	473
Interest expense
Net interest income (loss)	313	226	791	473
Provision for loan losses
Noninterest income	6,277	3,055	14,721	7,741
Noninterest expense	2,666	1,895	6,841	4,716
Net income (loss) before taxes	3,924	1,386	8,671	3,498
Income tax provision (benefit)	944	291	1,821	735
Net income (loss)	2,980	1,095	6,850	2,763
Total assets	66,915	13,765	66,915	13,765
Corporate Segment [Member]
Segment Reporting Information [Line Items]
Interest income	3	4	13	9
Interest expense	385	153	1,325	480
Net interest income (loss)	(382)	(149)	(1,312)	(471)
Provision for loan losses
Noninterest income
Noninterest expense	72	60	223	180
Net income (loss) before taxes	(454)	(209)	(1,535)	(651)
Income tax provision (benefit)	(95)	(44)	(322)	(137)
Net income (loss)	(359)	(165)	(1,213)	(514)
Total assets	254,721	234,845	254,721	234,845
Intersegment Eliminations [Member]
Segment Reporting Information [Line Items]
Interest income	(3)	(4)	(13)	(9)
Interest expense	(3)	(4)	(13)	(9)
Net interest income (loss)
Provision for loan losses
Noninterest income
Noninterest expense
Net income (loss) before taxes
Income tax provision (benefit)
Net income (loss)
Total assets	$ (254,191)	$ (234,433)	$ (254,191)	$ (234,433)