Southern First Bancshares (SFST) 10-Q 2 Nov 21 2021 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2021	Oct. 21, 2021
Cover [Abstract]
Entity Central Index Key	0001090009
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
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, 2021
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		7,913,381

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Cash and cash equivalents:
Cash and due from banks	$ 17,944	$ 12,920
Federal funds sold	47,440	21,744
Interest-bearing deposits with banks	63,149	66,023
Total cash and cash equivalents	128,533	100,687
Investment securities:
Investment securities available for sale	113,802	94,729
Other investments	2,820	3,635
Total investment securities	116,622	98,364
Mortgage loans held for sale	31,641	60,257
Loans	2,389,047	2,142,867
Less allowance for loan losses	(36,075)	(44,149)
Loans, net	2,352,972	2,098,718
Bank owned life insurance	49,521	41,102
Property and equipment, net	78,456	60,236
Deferred income taxes	16,591	9,518
Other assets	9,840	13,705
Total assets	2,784,176	2,482,587
LIABILITIES
Deposits	2,433,018	2,142,758
Federal Home Loan Bank advances and other borrowings		25,000
Subordinated debentures	36,079	35,998
Other liabilities	49,450	50,537
Total liabilities	2,518,547	2,254,293
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, 7,913,381 and 7,772,748 shares issued and outstanding at September 30, 2021 and December 31, 2020, respectively	79	78
Nonvested restricted stock	(1,469)	(698)
Additional paid-in capital	113,501	108,831
Accumulated other comprehensive income (loss)	(248)	1,023
Retained earnings	153,766	119,060
Total shareholders' equity	265,629	228,294
Total liabilities and shareholders' equity	$ 2,784,176	$ 2,482,587

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Sep. 30, 2021	Dec. 31, 2020
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	7,913,381	7,772,748
Common stock, shares outstanding	7,913,381	7,772,748

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Interest income
Loans	$ 23,063	$ 23,042	$ 67,938	$ 69,963
Investment securities	355	310	926	1,090
Federal funds sold and interest-bearing deposits with banks	68	63	167	218
Total interest income	23,486	23,415	69,031	71,271
Interest expense
Deposits	934	2,393	3,009	11,195
Borrowings	380	385	1,147	1,569
Total interest expense	1,314	2,778	4,156	12,764
Net interest income	22,172	20,637	64,875	58,507
Provision for (reversal of) loan losses	(6,000)	11,100	(8,200)	27,300
Net interest income after provision for loan losses	28,172	9,537	73,075	31,207
Noninterest income
Mortgage banking income	2,829	6,277	9,445	14,721
Service fees on deposit accounts	199	211	557	670
ATM and debit card income	542	465	1,532	1,258
Income from bank owned life insurance	321	270	919	810
Net lender and referral fees on PPP loans			268	2,247
Other income	348	361	1,043	1,002
Total noninterest income	4,239	7,584	13,764	20,708
Noninterest expenses
Compensation and benefits	7,468	6,666	20,974	19,450
Mortgage production costs	1,956	2,666	7,086	6,841
Occupancy	1,684	1,601	4,871	4,631
Other real estate owned (income) expenses	(3)	673	385	673
Outside service and data processing costs	1,229	1,046	3,609	3,170
Insurance	244	377	807	995
Professional fees	561	395	1,479	1,270
Marketing	240	165	623	481
Other	660	594	1,861	1,687
Total noninterest expenses	14,039	14,183	41,695	39,198
Income before income tax expense	18,372	2,938	45,144	12,717
Income tax expense	4,355	721	10,438	2,990
Net income available to common shareholders	$ 14,017	$ 2,217	$ 34,706	$ 9,727
Earnings per common share
Basic	$ 1.78	$ 0.29	$ 4.43	$ 1.26
Diluted	$ 1.75	$ 0.28	$ 4.36	$ 1.24
Weighted average common shares outstanding
Basic	7,873,868	7,732,293	7,832,330	7,711,181
Diluted	8,001,028	7,815,265	7,966,065	7,820,345

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 14,017	$ 2,217	$ 34,706	$ 9,727
Unrealized gain on securities available for sale:
Unrealized holding gain (loss) arising during the period, pretax	(819)	77	(1,609)	1,472
Tax (expense) benefit	171	(17)	338	(309)
Other comprehensive income (loss)	(648)	60	(1,271)	1,163
Comprehensive income	$ 13,369	$ 2,277	$ 33,435	$ 10,890

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, 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 (loss)					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 (loss)					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
Balance at Dec. 31, 2020	$ 78		(698)	108,831	1,023	119,060	228,294
Balance, shares at Dec. 31, 2020	7,772,748
Net income						34,706	34,706
Proceeds from exercise of stock options	$ 1			2,695			2,696
Proceeds from exercise of stock options, shares	117,383
Issuance of restricted stock			(1,120)	1,120
Issuance of restricted stock, shares	23,250
Compensation expense related to restricted stock, net of tax			349				349
Compensation expense related to stock options, net of tax				855			855
Other comprehensive income (loss)					(1,271)		(1,271)
Balance at Sep. 30, 2021	$ 79		(1,469)	113,501	(248)	153,766	265,629
Balance, shares at Sep. 30, 2021	7,913,381
Balance at Jun. 30, 2021	$ 79		(1,173)	112,604	400	139,749	251,659
Balance, shares at Jun. 30, 2021	7,899,931
Net income						14,017	14,017
Proceeds from exercise of stock options				175			175
Proceeds from exercise of stock options, shares	4,950
Issuance of restricted stock			(431)	431
Issuance of restricted stock, shares	8,500
Compensation expense related to restricted stock, net of tax			135				135
Compensation expense related to stock options, net of tax				291			291
Other comprehensive income (loss)					(648)		(648)
Balance at Sep. 30, 2021	$ 79		$ (1,469)	$ 113,501	$ (248)	$ 153,766	$ 265,629
Balance, shares at Sep. 30, 2021	7,913,381

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Operating activities
Net income	$ 34,706	$ 9,727
Adjustments to reconcile net income to cash provided by (used for) operating activities:
Provision for (reversal of) loan losses	(8,200)	27,300
Depreciation and other amortization	1,621	1,569
Accretion and amortization of securities discounts and premium, net	713	497
Loss on sale of real estate owned	376	513
Gain on sale of fixed assets	(10)
Net change in operating leases	266	157
Compensation expense related to stock options and restricted stock grants	1,204	1,036
Gain on sale of loans held for sale	(11,187)	(14,377)
Loans originated and held for sale	(406,451)	(412,069)
Proceeds from sale of loans held for sale	446,254	389,669
Increase in cash surrender value of bank owned life insurance	(919)	(810)
Increase in deferred tax asset	(6,736)	(2,545)
Decrease (increase) in other assets	2,698	(7,345)
Increase (decrease) in other liabilities	(4,531)	3,419
Net cash provided by (used for) operating activities	49,804	(3,259)
Increase (decrease) in cash realized from:
Increase in loans, net	(246,421)	(138,935)
Purchase of property and equipment	(16,620)	(3,696)
Purchase of investment securities:
Available for sale	(37,908)	(36,609)
Other investments	(1,000)	(1,275)
Payments and maturities, calls and repayments of investment securities:
Available for sale	16,514	17,290
Other investments	1,812	5,634
Purchase of bank owned life insurance	(7,500)
Proceeds from sale of fixed assets	50
Proceeds from sale of other real estate owned	1,159
Net cash used for investing activities	(289,914)	(157,591)
Increase (decrease) in cash realized from:
Increase in deposits, net	290,260	304,932
Decrease in Federal Home Loan Bank advances and other borrowings, net	(25,000)	(109,946)
Proceeds from the exercise of stock options	2,696	963
Net cash provided by financing activities	267,956	195,949
Net increase in cash and cash equivalents	27,846	35,099
Cash and cash equivalents at beginning of the period	100,687	127,816
Cash and cash equivalents at end of the period	128,533	162,915
Cash paid for
Interest	5,404	14,031
Income taxes	18,357	2,544
Schedule of non-cash transactions
Foreclosure of other real estate	367
Unrealized gain (loss) on securities, net of income taxes	(1,271)	1,163
Right-of-use assets obtained in exchange for lease obligations:
Operating leases	$ 4,803	$ 2,115

Nature of Business and Basis of

Nature of Business and Basis of Presentation	9 Months Ended
	Sep. 30, 2021
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 period ended September 30, 2021 are not necessarily indicative of the results that may be expected for the year ending December 31, 2021. 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, 2020 as filed with the U.S. Securities and Exchange Commission (“SEC”) on March 2, 2021. 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 unprecedented and rapid spread of COVID-19 and its variants and the 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 initiatives, the effect of the continued rollout of vaccinations for the virus, whether such vaccinations will be effective against any resurgence of the virus, including any new strain of the virus, the ability for clients and businesses to return to, and remain in, their pre-pandemic routines, 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. In addition, due to the COVID-19 pandemic, market interest rates declined significantly with the 10-year Treasury bond falling to a low of 0.52% in early August 2020 but increasing significantly since that time to near 1.50% at September 30, 2021. On March 3, 2020, the Federal Reserve reduced the target federal funds rate by 50 basis points, followed by an additional reduction of 100 basis points on March 16, 2020, making the target federal funds rate range 0% to 0.25%, and this low target rate was still in effect as of September 30, 2021. These reductions in interest rates and other effects of the COVID-19 pandemic have had, and are expected to continue to have, possibly materially, an adverse effect on Company’s business, financial condition and results of operations. For instance, the pandemic has had negative effects on the Bank’s interest income, provision for loan losses, and certain transaction-based line items of noninterest income. Other financial impacts could occur though such potential impact is unknown at this time. As of September 30, 2021, 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, 2021, 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. 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 is considering early adoption of the ASU as of January 1, 2022. 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. The Company has established a team of individuals from credit, finance and risk management to evaluate the requirements of the new standard and the impact it will have on its processes. 9 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, 2021
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, 2021 Amortized Gross Unrealized Fair (dollars in thousands) Cost Gains Losses Value Available for sale US treasuries $ 999 1 - 1,000 US government agencies 14,503 2 228 14,277 SBA securities 435 10 - 445 State and political subdivisions 22,418 515 226 22,707 Asset-backed securities 10,526 56 13 10,569 Mortgage-backed securities FHLMC 20,678 141 386 20,433 FNMA 39,479 325 452 39,352 GNMA 5,078 11 70 5,019 Total mortgage-backed securities 65,235 477 908 64,804 Total investment securities available for sale $ 114,116 1,061 1,375 113,802 December 31, 2020 Amortized Gross Unrealized Fair Cost Gains Losses Value Available for sale US government agencies $ 6,500 1 8 6,493 SBA securities 504 - 19 485 State and political subdivisions 18,614 804 30 19,388 Asset-backed securities 11,587 15 73 11,529 Mortgage-backed securities FHLMC 12,157 206 47 12,316 FNMA 35,893 507 91 36,309 GNMA 8,179 53 23 8,209 Total mortgage-backed securities 56,229 766 161 56,834 Total $ 93,434 1,586 291 94,729 Contractual maturities and yields on the Company’s investment securities at September 30, 2021 and December 31, 2020 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, 2021 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 treasuries $ - - - - 1,000 1.27 % - - 1,000 1.27 % US government agencies - - 2,498 0.36 % 8,847 1.31 % 2,932 1.79 % 14,277 1.24 % SBA securities - - - - - - 445 1.00 % 445 1.00 % State and political subdivisions - - 471 2.13 % 3,476 1.60 % 18,760 2.17 % 22,707 2.08 % Asset-backed securities - - - - 1,710 1.52 % 8,859 0.95 % 10,569 1.04 % Mortgage-backed securities - - 1,321 1.85 % 10,065 1.46 % 53,418 1.37 % 64,804 1.40 % Total $ - - 4,290 1.01 % 25,098 1.42 % 84,414 1.52 % 113,802 1.48 % December 31, 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 $ - - 2,501 0.37 % 2,995 1.07 % 997 1.48 % 6,493 0.86 % SBA securities - - - - - - 485 0.98 % 485 0.98 % State and political subdivisions - - 470 2.13 % 3,053 1.98 % 15,865 2.23 % 19,388 2.18 % Asset-backed securities - - - - 1,983 1.17 % 9,546 1.00 % 11,529 1.03 % Mortgage-backed securities - - 2,044 1.77 % 9,544 1.74 % 45,246 1.36 % 56,834 1.44 % Total $ - - 5,015 1.10 % 17,575 1.60 % 72,139 1.50 % 94,729 1.50 % The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities at September 30, 2021 and December 31, 2020, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position. September 30, 2021 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 9 $ 11,846 $ 157 2 $ 1,929 $ 71 11 $ 13,775 $ 228 State and political subdivisions 9 7,280 168 5 2,565 58 14 9,845 226 Asset-backed securities - - - 2 1,794 13 2 1,794 13 Mortgage-backed securities 25 34,823 664 9 11,296 244 34 46,119 908 Total 43 $ 53,949 $ 989 18 $ 17,584 $ 386 61 $ 71,533 $ 1,375 December 31, 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 3 $ 2,992 $ 8 - $ - $ - 3 $ 2,992 $ 8 SBA securities - - - 1 484 19 1 484 19 State and political subdivisions 8 4,861 30 - - - 8 4,861 30 Asset-backed securities - - - 6 6,998 73 6 6,998 73 Mortgage-backed securities 15 20,810 136 3 1,984 25 18 22,794 161 Total 26 $ 28,663 $ 174 10 $ 9,466 $ 117 36 $ 38,129 $ 291 At September 30, 2021 the Company had 43 individual investments with a fair market value of $53.9 million that were in an unrealized loss position for less than 12 months and 18 individual investments with a fair market value of $17.6 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, 2021 December 31, 2020 Federal Home Loan Bank stock $ 1,241 3,103 Other investments 1,176 129 Investment in Trust Preferred securities 403 403 Total other investments $ 2,820 3,635 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, 2021 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, 2021
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, 2021, mortgage loans held for sale totaled $31.6 million compared to $60.3 million at December 31, 2020. 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, 2021
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 $4.6 million as of September 30, 2021 and $3.9 million as of December 31, 2020. September 30, 2021 December 31, 2020 (dollars in thousands) Amount % of Total Amount % of Total Commercial Owner occupied RE $ 470,614 19.7 % $ 433,320 20.2 % Non-owner occupied RE 628,521 26.3 % 585,269 27.3 % Construction 87,892 3.7 % 61,467 2.9 % Business 307,969 12.9 % 307,599 14.4 % Total commercial loans 1,494,996 62.6 % 1,387,655 64.8 % Consumer Real estate 648,276 27.1 % 536,311 25.0 % Home equity 155,049 6.5 % 156,957 7.3 % Construction 57,419 2.4 % 40,525 1.9 % Other 33,307 1.4 % 21,419 1.0 % Total consumer loans 894,051 37.4 % 755,212 35.2 % Total gross loans, net of deferred fees 2,389,047 100.0 % 2,142,867 100.0 % Less—allowance for loan losses (36,075 ) (44,149 ) Total loans, net $ 2,352,972 $ 2,098,718 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, 2021 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 17,069 121,176 332,369 470,614 Non-owner occupied RE 32,463 315,742 280,316 628,521 Construction 11,666 22,095 54,131 87,892 Business 61,534 145,862 100,573 307,969 Total commercial loans 122,732 604,875 767,389 1,494,996 Consumer Real estate 14,126 46,753 587,397 648,276 Home equity 3,099 22,683 129,267 155,049 Construction 703 1,831 54,885 57,419 Other 8,180 21,292 3,835 33,307 Total consumer loans 26,108 92,559 775,384 894,051 Total gross loans, net of deferred fees $ 148,840 697,434 1,542,773 2,389,047 Loans maturing after one year with: Fixed interest rates $ 1,883,823 Floating interest rates 356,384 13 December 31, 2020 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 22,232 136,031 275,057 433,320 Non-owner occupied RE 39,359 335,249 210,661 585,269 Construction 21,824 15,785 23,858 61,467 Business 76,662 140,959 89,978 307,599 Total commercial loans 160,077 628,024 599,554 1,387,655 Consumer Real estate 14,205 54,863 467,243 536,311 Home equity 4,824 23,835 128,298 156,957 Construction 1,629 1,234 37,662 40,525 Other 6,438 11,413 3,568 21,419 Total consumer 27,096 91,345 636,771 755,212 Total gross loan, net of deferred fees $ 187,173 719,369 1,236,325 2,142,867 Loans maturing after one year with: Fixed interest rates $ 1,590,171 Floating interest rates 365,523 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. We became an approved SBA lender in March 2020 and processed 853 loans under the PPP for a total of $97.5 million during the second quarter of 2020. 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, receiving net lender fees of $2.2 million during the three months ended June 30, 2020. The SBA offered a second round of PPP loans through May 31, 2021; however, we did not originate any new PPP loans. We did, however, receive referral fees of approximately $268,000 during the three months ended June 30, 2021 from The Loan Source Inc. for PPP loans they originated to our clients. 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. 14 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.   • 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, 2021 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Current $ 470,351 621,383 87,892 305,804 1,485,430 30-59 days past due 263 - - 696 959 60-89 days past due - 7,138 - 1,469 8,607 Greater than 90 Days - - - - - $ 470,614 628,521 87,892 307,969 1,494,996 December 31, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Current $ 432,711 584,565 61,467 307,261 1,386,004 30-59 days past due 403 282 - 35 720 60-89 days past due - - - 266 266 Greater than 90 Days 206 422 - 37 665 $ 433,320 585,269 61,467 307,599 1,387,655 As of September 30, 2021 and December 31, 2020, loans 30 days or more past due represented 0.49% and 0.17% of the Company’s total loan portfolio, respectively. Commercial loans 30 days or more past due were 0.40% and 0.08% of the Company’s total loan portfolio as of September 30, 2021 and December 31, 2020, respectively. 15 The tables below provide a breakdown of outstanding commercial loans by risk category. September 30, 2021 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Pass $ 469,715 544,427 87,892 301,291 1,403,325 Special mention 333 48,540 - 2,651 51,524 Substandard 566 35,554 - 4,027 40,147 Doubtful - - - - - $ 470,614 628,521 87,892 307,969 1,494,996 December 31, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Pass $ 430,291 576,095 61,328 301,838 1,369,552 Special mention 624 587 - 1,703 2,914 Substandard 2,405 8,587 139 4,058 15,189 Doubtful - - - - - $ 433,320 585,269 61,467 307,599 1,387,655 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, 2021 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 647,722 153,505 57,419 33,301 891,947 30-59 days past due - 1,510 - - 1,510 60-89 days past due - 34 - 6 40 Greater than 90 Days 554 - - - 554 $ 648,276 155,049 57,419 33,307 894,051 December 31, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 534,648 156,657 40,525 21,419 753,249 30-59 days past due - - - - - 60-89 days past due 332 - - - 332 Greater than 90 Days 1,331 300 - - 1,631 $ 536,311 156,957 40,525 21,419 755,212 Consumer loans 30 days or more past due were 0.09% of total loans as of both September 30, 2021 and December 31, 2020. 16 The tables below provide a breakdown of outstanding consumer loans by risk category. September 30, 2021 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 640,595 149,136 57,419 33,120 880,270 Special mention 3,326 3,162 - 137 6,625 Substandard 4,355 2,751 - 50 7,156 Doubtful - - - - - $ 648,276 155,049 57,419 33,307 894,051 December 31, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 530,515 152,154 40,525 21,290 744,484 Special mention 1,968 1,005 - 91 3,064 Substandard 3,828 3,798 - 38 7,664 Doubtful - - - - - $ 536,311 156,957 40,525 21,419 755,212 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. Following is a summary of our nonperforming assets, including nonaccruing TDRs. (dollars in thousands) September 30, 2021 December 31, 2020 Commercial Owner occupied RE $ - - Non-owner occupied RE 7,400 1,143 Construction - 139 Business 1,469 195 Consumer Real estate 1,461 2,536 Home equity 818 547 Construction - - Other - - Nonaccruing troubled debt restructurings 2,730 3,509 Total nonaccrual loans, including nonaccruing TDRs 13,878 8,069 Other real estate owned - 1,169 Total nonperforming assets $ 13,878 9,238 Nonperforming assets as a percentage of: Total assets 0.50 % 0.37 % Gross loans 0.58 % 0.43 % Total loans over 90 days past due $ 554 2,296 Loans over 90 days past due and still accruing - - Accruing troubled debt restructurings 4,044 4,893 17 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, 2021 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 $ 1,269 1,269 1,269 - - Non-owner occupied RE 9,283 8,238 7,400 838 167 Construction - - - - - Business 3,333 3,303 1,469 1,834 788 Total commercial 13,885 12,810 10,138 2,672 955 Consumer Real estate 3,035 2,936 2,109 828 139 Home equity 2,190 2,049 1,992 56 56 Construction - - - - - Other 126 126 - 126 15 Total consumer 5,351 5,111 4,101 1,010 210 Total $ 19,236 17,921 14,239 3,682 1,165 December 31, 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 $ 1,753 1,649 1,497 152 76 Non-owner occupied RE 3,212 2,188 705 1,483 366 Construction 141 139 139 - - Business 2,892 2,449 279 2,170 897 Total commercial 7,998 6,425 2,620 3,805 1,339 Consumer Real estate 4,362 4,031 3,108 923 190 Home equity 2,498 2,371 2,096 275 163 Construction - - - - - Other 135 135 - 135 17 Total consumer 6,995 6,537 5,204 1,333 370 Total $ 14,993 12,962 7,824 5,138 1,709 18 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, 2021 Three months ended September 30, 2020 Average Recognized Average Recognized recorded interest recorded interest (dollars in thousands) investment income investment income Commercial Owner occupied RE $ 1,269 17 2,985 40 Non-owner occupied RE 5,125 227 3,880 63 Construction - - 72 2 Business 2,665 61 2,506 51 Total commercial 9,059 305 9,443 156 Consumer Real estate 3,609 - 3,063 58 Home equity 1,859 30 2,540 22 Construction - - - - Other 127 1 139 1 Total consumer 5,595 31 5,742 81 Total $ 14,654 336 15,185 237 Nine months ended Nine months ended Year ended September 30, 2021 September 31, 2020 December 31, 2020 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 $ 1,419 49 2,617 73 2,423 88 Non-owner occupied RE 3,643 321 4,724 165 4,217 221 Construction 69 - 36 2 56 6 Business 2,497 115 2,270 98 2,306 243 Total commercial 7,628 485 9,647 338 9,002 558 Consumer Real estate 3,911 102 3,207 98 3,372 170 Home equity 1,944 64 2,067 39 2,128 5 Construction - - - - - - Other 130 3 143 3 141 79 Total consumer 5,985 169 5,417 140 5,641 254 Total $ 13,613 654 15,064 478 14,643 812 Allowance for Loan Losses The allowance for loan losses 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. 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. 19 The following table summarizes the activity related to the allowance for loan losses by commercial and consumer portfolio segments: Three months ended September 30, 2021 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 $ 7,099 13,223 951 6,722 10,028 2,562 753 574 41,912 Provision for loan losses (1,159 ) (1,558 ) 149 (1,246 ) (1,469 ) (598 ) (28 ) (91 ) (6,000 ) Loan charge-offs - (159 ) - (84 ) - - - - (243 ) Loan recoveries - 129 - 58 18 193 - 8 406 Net loan recoveries (charge-offs) - (30 ) - (26 ) 18 193 - 8 163 Balance, end of period $ 5,940 11,635 1,100 5,450 8,577 2,157 725 491 36,075 Net charge-offs (recoveries) to average loans   (annualized) (0.03 %) Allowance for loan losses to gross loans 1.51 % Allowance for loan losses to nonperforming loans 259.95 % 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 recoveries (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 % Nine months ended September 30, 2021 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 $ 8,145 12,049 1,154 7,845 10,453 3,249 747 507 44,149 Provision for loan losses (2,299 ) (509 ) (54 ) (2,256 ) (1,894 ) (1,149 ) (22 ) (17 ) (8,200 ) Loan charge-offs - (158 ) - (353 ) - (139 ) - (8 ) (658 ) Loan recoveries 94 253 - 214 18 196 - 9 784 Net loan recoveries (charge-offs) 94 95 - (139 ) 18 57 - 1 126 Balance, end of period $ 5,940 11,635 1,100 5,450 8,577 2,157 725 491 36,075 Net charge-offs (recoveries) to average loans (annualized) (0.01 %) Nine 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 $ 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 recoveries (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 % 20 The following table disaggregates the allowance for loan losses and recorded investment in loans by impairment methodology. September 30, 2021 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 955 210 1,165 12,810 5,111 17,921 Collectively evaluated 23,170 11,740 34,910 1,482,186 888,940 2,371,126 Total $ 24,125 11,950 36,075 1,494,996 894,051 2,389,047 December 31, 2020 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 1,339 370 1,709 6,425 6,537 12,962 Collectively evaluated 27,826 14,614 42,440 1,381,230 748,675 2,129,905 Total $ 29,165 14,984 44,149 1,387,655 755,212 2,142,867

Troubled Debt Restructurings

Troubled Debt Restructurings	9 Months Ended
	Sep. 30, 2021
Troubled Debt Restructurings [Abstract]
Troubled Debt Restructurings	NOTE 5 – Troubled Debt Restructurings At September 30, 2021, the Company had 13 loans totaling $6.8 million compared to 20 loans totaling $8.4 million at December 31, 2020, 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 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. There were no new TDRs for the three months ended September 30, 2021, and new TDRs for the three months ended September 30, 2020 were immaterial. The total TDRs for the nine months ended September 30, 2021 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 As of September 30, 2021 and 2020, 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, 2021
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. The following table summarizes the Company’s outstanding financial derivative instruments at September 30, 2021 and December 31, 2020. September 30, 2021 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 49,120 Other assets $ 609 MBS forward sales commitments 34,500 Other liabilities (169 ) Total derivative financial instruments $ 83,620 $ 440 December 31, 2020 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 107,569 Other assets $ 2,385 MBS forward sales commitments 75,500 Other liabilities (501 ) Total derivative financial instruments $ 183,069 $ 1,884

Fair Value Accounting

Fair Value Accounting	9 Months Ended
	Sep. 30, 2021
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: 22 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 2020 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. 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, 2021 and December 31, 2020. September 30, 2021 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale US treasuries $ - 1,000 - 1,000 US government agencies - 14,277 - 14,277 SBA securities - 445 - 445 State and political subdivisions - 22,707 - 22,707 Asset-backed securities - 10,569 - 10,569 Mortgage-backed securities - 64,804 - 64,804 Mortgage loans held for sale - 31,641 - 31,641 Mortgage loan interest rate lock commitments - 609 - 609 Total assets measured at fair value on a recurring basis $ - 146,052 - 146,052 Liabilities MBS forward sales commitments $ - (169) - (169) Total liabilities measured at fair value on a recurring basis $ - (169) - (169) 23 December 31, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale: US government agencies $ - 6,493 - 6,493 SBA securities - 485 - 485 State and political subdivisions - 19,388 - 19,388 Asset-backed securities - 11,529 - 11,529 Mortgage-backed securities - 56,834 - 56,834 Mortgage loans held for sale - 60,257 - 60,257 Mortgage loan interest rate lock commitments - 2,385 - 2,385 Total assets measured at fair value on a recurring basis $ - 157,371 - 157,371 Liabilities MBS forward sales commitments $ - 501 - 501 Total liabilities measured at fair value on a recurring basis $ - 501 - 501 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, 2021 and December 31, 2020. As of September 30, 2021 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 14,239 2,516 16,755 Other real estate owned - - - - Total assets measured at fair value on a nonrecurring basis $ - 14,239 2,516 16,755 As of December 31, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 8,144 3,109 11,253 Other real estate owned - 1,169 - 1,169 Total assets measured at fair value on a nonrecurring basis $ - 9,313 3,109 12,422 The Company had no liabilities carried at fair value or measured at fair value on a nonrecurring basis. 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. 24 The estimated fair values of the Company’s financial instruments at September 30, 2021 and December 31, 2020 are as follows: September 30, 2021 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 2,820 2,820 - - 2,820 Loans 1 2,335,051 2,304,092 - - 2,304,092 Financial Liabilities: Deposits 2,433,018 2,249,961 - 2,249,961 - Subordinated debentures 36,079 33,773 - 33,773 - December 31, 2020 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 3,635 3,635 - - 3,635 Loans 1 2,085,756 2,060,698 - - 2,060,698 Financial Liabilities: Deposits 2,142,758 2,008,317 - 2,008,317 - FHLB and other borrowings 25,000 24,972 - 24,972 - Subordinated debentures 35,998 30,371 - 30,371 - 1 Carrying amount is net of the allowance for loan losses and previously presented impaired loans.

Leases

Leases	9 Months Ended
	Sep. 30, 2021
Leases [Abstract]
Leases	NOTE 8 – Leases Effective January 1, 2019, the Company adopted ASU 2016-02, “Leases (Topic 842)”. As of September 30, 2021, we leased seven of our offices under various operating lease agreements. The lease agreements have maturity dates ranging from February 2022 to February 2032, some of which include options for multiple five-year extensions. The weighted average remaining life of the lease term for these leases was 7.54 years as of September 30, 2021. 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 2.48% as of September 30, 2021. The total operating lease costs were $711,000 and $616,000 for the three months ended September 30, 2021 and 2020, respectively, and $2.1 million and $1.8 million for the nine months ended September 30, 2021 and 2020, respectively. The right-of-use (ROU) asset, included in property and equipment, and lease liability, included in other liabilities, were $21.9 million and $23.0 million as of September 30, 2021, respectively, compared to $18.8 million and $19.5 million as of December 31, 2020, respectively. The ROU asset and lease liability are recognized at lease commencement by calculating the present value of lease payments over the lease term. 25 Maturities of lease liabilities as of September 30, 2021 were as follows: Operating (dollars in thousands) Leases 2021 $ 589 2022 1,974 2023 1,939 2024 1,990 2025 2,046 Thereafter 19,287 Total undiscounted lease payments 27,825 Discount effect of cash flows 4,847 Total lease liability $ 22,978

Earnings Per Common Share

Earnings Per Common Share	9 Months Ended
	Sep. 30, 2021
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, 2021 and 2020. Dilutive common shares arise from the potentially dilutive effect of the Company’s stock options that were outstanding at September 30, 2021. The assumed conversion of stock options can create a difference between basic and dilutive net income per common share. At September 30, 2021 and 2020, there were 159,029 and 337,998 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) 2021 2020 2021 2020 Numerator: Net income available to common shareholders $ 14,017 2,217 34,706 9,727 Denominator: Weighted-average common shares outstanding – basic 7,873,868 7,732,293 7,832,330 7,711,181 Common stock equivalents 127,160 82,972 133,735 109,164 Weighted-average common shares outstanding – diluted 8,001,028 7,815,265 7,966,065 7,820,345 Earnings per common share: Basic $ 1.78 0.29 4.43 1.26 Diluted $ 1.75 0.28 4.36 1.24

Reportable Segments

Reportable Segments	9 Months Ended
	Sep. 30, 2021
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 segments include Commercial and Retail Banking, Mortgage Banking, and Corporate. The following schedule presents financial information for each reportable segment. Three months ended Three months ended September 30, 2021 September 30, 2020 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 $ 23,253 233 4 (4 ) 23,486 23,102 313 3 (3 ) 23,415 Interest expense 938 - 380 (4 ) 1,314 2,396 - 385 (3 ) 2,778 Net interest income (loss) 22,315 233 (376 ) - 22,172 20,706 313 (382 ) - 20,637 Provision for loan losses (6,000 ) - - - (6,000 ) 11,100 - - - 11,100 Noninterest income 1,410 2,829 - - 4,239 1,307 6,277 - - 7,584 Noninterest expense 11,980 1,956 103 - 14,039 11,445 2,666 72 - 14,183 Net income (loss) before taxes 17,745 1,106 (479 ) - 18,372 (532 ) 3,924 (454 ) - 2,938 Income tax provision (benefit) 4,195 261 (101 ) - 4,355 (128 ) 944 (95 ) - 721 Net income (loss) $ 13,550 845 (378 ) - 14,017 (404 ) 2,980 (359 ) - 2,217 Total assets $ 2,750,703 33,047 302,254 (301,828 ) 2,784,176 2,411,966 66,915 254,721 (254,191 ) 2,479,411 Nine months ended Nine months ended September 30, 2021 September 30, 2020 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 $ 68,053 978 12 (12 ) 69,031 70,480 791 13 (13 ) 71,271 Interest expense 3,025 - 1,143 (12 ) 4,156 11,452 - 1,325 (13 ) 12,764 Net interest income (loss) 65,028 978 (1,131 ) - 64,875 59,028 791 (1,312 ) - 58,507 Provision for loan losses (8,200 ) - - - (8,200 ) 27,300 - - - 27,300 Noninterest income 4,319 9,445 - - 13,764 5,987 14,721 - - 20,708 Noninterest expense 34,384 7,086 225 - 41,695 32,134 6,841 223 - 39,198 Net income before taxes 43,163 3,337 (1,356 ) - 45,144 5,581 8,671 (1,535 ) - 12,717 Income tax provision (benefit) 10,023 700 (285 ) - 10,438 1,491 1,821 (322 ) - 2,990 Net income (loss) $ 33,140 2,637 (1,071 ) - 34,706 4,090 6,850 (1,213 ) - 9,727 Total assets $ 2,750,703 33,047 302,254 (301,828 ) 2,784,176 2,411,966 66,915 254,721 (254,191 ) 2,479,411 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, 2021
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 period ended September 30, 2021 are not necessarily indicative of the results that may be expected for the year ending December 31, 2021. 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, 2020 as filed with the U.S. Securities and Exchange Commission (“SEC”) on March 2, 2021. 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 unprecedented and rapid spread of COVID-19 and its variants and the 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 initiatives, the effect of the continued rollout of vaccinations for the virus, whether such vaccinations will be effective against any resurgence of the virus, including any new strain of the virus, the ability for clients and businesses to return to, and remain in, their pre-pandemic routines, 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. In addition, due to the COVID-19 pandemic, market interest rates declined significantly with the 10-year Treasury bond falling to a low of 0.52% in early August 2020 but increasing significantly since that time to near 1.50% at September 30, 2021. On March 3, 2020, the Federal Reserve reduced the target federal funds rate by 50 basis points, followed by an additional reduction of 100 basis points on March 16, 2020, making the target federal funds rate range 0% to 0.25%, and this low target rate was still in effect as of September 30, 2021. These reductions in interest rates and other effects of the COVID-19 pandemic have had, and are expected to continue to have, possibly materially, an adverse effect on Company’s business, financial condition and results of operations. For instance, the pandemic has had negative effects on the Bank’s interest income, provision for loan losses, and certain transaction-based line items of noninterest income. Other financial impacts could occur though such potential impact is unknown at this time. As of September 30, 2021, 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, 2021, 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. 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 is considering early adoption of the ASU as of January 1, 2022. 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. The Company has established a team of individuals from credit, finance and risk management to evaluate the requirements of the new standard and the impact it will have on its processes. 9 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, 2021
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, 2021 Amortized Gross Unrealized Fair (dollars in thousands) Cost Gains Losses Value Available for sale US treasuries $ 999 1 - 1,000 US government agencies 14,503 2 228 14,277 SBA securities 435 10 - 445 State and political subdivisions 22,418 515 226 22,707 Asset-backed securities 10,526 56 13 10,569 Mortgage-backed securities FHLMC 20,678 141 386 20,433 FNMA 39,479 325 452 39,352 GNMA 5,078 11 70 5,019 Total mortgage-backed securities 65,235 477 908 64,804 Total investment securities available for sale $ 114,116 1,061 1,375 113,802 December 31, 2020 Amortized Gross Unrealized Fair Cost Gains Losses Value Available for sale US government agencies $ 6,500 1 8 6,493 SBA securities 504 - 19 485 State and political subdivisions 18,614 804 30 19,388 Asset-backed securities 11,587 15 73 11,529 Mortgage-backed securities FHLMC 12,157 206 47 12,316 FNMA 35,893 507 91 36,309 GNMA 8,179 53 23 8,209 Total mortgage-backed securities 56,229 766 161 56,834 Total $ 93,434 1,586 291 94,729
Schedule of Fair Values Investment Securities Available for Contractual Maturities	Contractual maturities and yields on the Company’s investment securities at September 30, 2021 and December 31, 2020 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, 2021 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 treasuries $ - - - - 1,000 1.27 % - - 1,000 1.27 % US government agencies - - 2,498 0.36 % 8,847 1.31 % 2,932 1.79 % 14,277 1.24 % SBA securities - - - - - - 445 1.00 % 445 1.00 % State and political subdivisions - - 471 2.13 % 3,476 1.60 % 18,760 2.17 % 22,707 2.08 % Asset-backed securities - - - - 1,710 1.52 % 8,859 0.95 % 10,569 1.04 % Mortgage-backed securities - - 1,321 1.85 % 10,065 1.46 % 53,418 1.37 % 64,804 1.40 % Total $ - - 4,290 1.01 % 25,098 1.42 % 84,414 1.52 % 113,802 1.48 % December 31, 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 $ - - 2,501 0.37 % 2,995 1.07 % 997 1.48 % 6,493 0.86 % SBA securities - - - - - - 485 0.98 % 485 0.98 % State and political subdivisions - - 470 2.13 % 3,053 1.98 % 15,865 2.23 % 19,388 2.18 % Asset-backed securities - - - - 1,983 1.17 % 9,546 1.00 % 11,529 1.03 % Mortgage-backed securities - - 2,044 1.77 % 9,544 1.74 % 45,246 1.36 % 56,834 1.44 % Total $ - - 5,015 1.10 % 17,575 1.60 % 72,139 1.50 % 94,729 1.50 %
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, 2021 and December 31, 2020, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position. September 30, 2021 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 9 $ 11,846 $ 157 2 $ 1,929 $ 71 11 $ 13,775 $ 228 State and political subdivisions 9 7,280 168 5 2,565 58 14 9,845 226 Asset-backed securities - - - 2 1,794 13 2 1,794 13 Mortgage-backed securities 25 34,823 664 9 11,296 244 34 46,119 908 Total 43 $ 53,949 $ 989 18 $ 17,584 $ 386 61 $ 71,533 $ 1,375 December 31, 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 3 $ 2,992 $ 8 - $ - $ - 3 $ 2,992 $ 8 SBA securities - - - 1 484 19 1 484 19 State and political subdivisions 8 4,861 30 - - - 8 4,861 30 Asset-backed securities - - - 6 6,998 73 6 6,998 73 Mortgage-backed securities 15 20,810 136 3 1,984 25 18 22,794 161 Total 26 $ 28,663 $ 174 10 $ 9,466 $ 117 36 $ 38,129 $ 291
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, 2021 December 31, 2020 Federal Home Loan Bank stock $ 1,241 3,103 Other investments 1,176 129 Investment in Trust Preferred securities 403 403 Total other investments $ 2,820 3,635

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2021
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 $4.6 million as of September 30, 2021 and $3.9 million as of December 31, 2020. September 30, 2021 December 31, 2020 (dollars in thousands) Amount % of Total Amount % of Total Commercial Owner occupied RE $ 470,614 19.7 % $ 433,320 20.2 % Non-owner occupied RE 628,521 26.3 % 585,269 27.3 % Construction 87,892 3.7 % 61,467 2.9 % Business 307,969 12.9 % 307,599 14.4 % Total commercial loans 1,494,996 62.6 % 1,387,655 64.8 % Consumer Real estate 648,276 27.1 % 536,311 25.0 % Home equity 155,049 6.5 % 156,957 7.3 % Construction 57,419 2.4 % 40,525 1.9 % Other 33,307 1.4 % 21,419 1.0 % Total consumer loans 894,051 37.4 % 755,212 35.2 % Total gross loans, net of deferred fees 2,389,047 100.0 % 2,142,867 100.0 % Less—allowance for loan losses (36,075 ) (44,149 ) Total loans, net $ 2,352,972 $ 2,098,718
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, 2021 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 17,069 121,176 332,369 470,614 Non-owner occupied RE 32,463 315,742 280,316 628,521 Construction 11,666 22,095 54,131 87,892 Business 61,534 145,862 100,573 307,969 Total commercial loans 122,732 604,875 767,389 1,494,996 Consumer Real estate 14,126 46,753 587,397 648,276 Home equity 3,099 22,683 129,267 155,049 Construction 703 1,831 54,885 57,419 Other 8,180 21,292 3,835 33,307 Total consumer loans 26,108 92,559 775,384 894,051 Total gross loans, net of deferred fees $ 148,840 697,434 1,542,773 2,389,047 Loans maturing after one year with: Fixed interest rates $ 1,883,823 Floating interest rates 356,384 13 December 31, 2020 After one One year but within After five (dollars in thousands) or less five years years Total Commercial Owner occupied RE $ 22,232 136,031 275,057 433,320 Non-owner occupied RE 39,359 335,249 210,661 585,269 Construction 21,824 15,785 23,858 61,467 Business 76,662 140,959 89,978 307,599 Total commercial loans 160,077 628,024 599,554 1,387,655 Consumer Real estate 14,205 54,863 467,243 536,311 Home equity 4,824 23,835 128,298 156,957 Construction 1,629 1,234 37,662 40,525 Other 6,438 11,413 3,568 21,419 Total consumer 27,096 91,345 636,771 755,212 Total gross loan, net of deferred fees $ 187,173 719,369 1,236,325 2,142,867 Loans maturing after one year with: Fixed interest rates $ 1,590,171 Floating interest rates 365,523
Schedule of Nonperforming Assets, Including Nonaccruing TDRs	Following is a summary of our nonperforming assets, including nonaccruing TDRs. (dollars in thousands) September 30, 2021 December 31, 2020 Commercial Owner occupied RE $ - - Non-owner occupied RE 7,400 1,143 Construction - 139 Business 1,469 195 Consumer Real estate 1,461 2,536 Home equity 818 547 Construction - - Other - - Nonaccruing troubled debt restructurings 2,730 3,509 Total nonaccrual loans, including nonaccruing TDRs 13,878 8,069 Other real estate owned - 1,169 Total nonperforming assets $ 13,878 9,238 Nonperforming assets as a percentage of: Total assets 0.50 % 0.37 % Gross loans 0.58 % 0.43 % Total loans over 90 days past due $ 554 2,296 Loans over 90 days past due and still accruing - - Accruing troubled debt restructurings 4,044 4,893
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, 2021 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 $ 1,269 1,269 1,269 - - Non-owner occupied RE 9,283 8,238 7,400 838 167 Construction - - - - - Business 3,333 3,303 1,469 1,834 788 Total commercial 13,885 12,810 10,138 2,672 955 Consumer Real estate 3,035 2,936 2,109 828 139 Home equity 2,190 2,049 1,992 56 56 Construction - - - - - Other 126 126 - 126 15 Total consumer 5,351 5,111 4,101 1,010 210 Total $ 19,236 17,921 14,239 3,682 1,165 December 31, 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 $ 1,753 1,649 1,497 152 76 Non-owner occupied RE 3,212 2,188 705 1,483 366 Construction 141 139 139 - - Business 2,892 2,449 279 2,170 897 Total commercial 7,998 6,425 2,620 3,805 1,339 Consumer Real estate 4,362 4,031 3,108 923 190 Home equity 2,498 2,371 2,096 275 163 Construction - - - - - Other 135 135 - 135 17 Total consumer 6,995 6,537 5,204 1,333 370 Total $ 14,993 12,962 7,824 5,138 1,709
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, 2021 Three months ended September 30, 2020 Average Recognized Average Recognized recorded interest recorded interest (dollars in thousands) investment income investment income Commercial Owner occupied RE $ 1,269 17 2,985 40 Non-owner occupied RE 5,125 227 3,880 63 Construction - - 72 2 Business 2,665 61 2,506 51 Total commercial 9,059 305 9,443 156 Consumer Real estate 3,609 - 3,063 58 Home equity 1,859 30 2,540 22 Construction - - - - Other 127 1 139 1 Total consumer 5,595 31 5,742 81 Total $ 14,654 336 15,185 237 Nine months ended Nine months ended Year ended September 30, 2021 September 31, 2020 December 31, 2020 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 $ 1,419 49 2,617 73 2,423 88 Non-owner occupied RE 3,643 321 4,724 165 4,217 221 Construction 69 - 36 2 56 6 Business 2,497 115 2,270 98 2,306 243 Total commercial 7,628 485 9,647 338 9,002 558 Consumer Real estate 3,911 102 3,207 98 3,372 170 Home equity 1,944 64 2,067 39 2,128 5 Construction - - - - - - Other 130 3 143 3 141 79 Total consumer 5,985 169 5,417 140 5,641 254 Total $ 13,613 654 15,064 478 14,643 812
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, 2021 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 $ 7,099 13,223 951 6,722 10,028 2,562 753 574 41,912 Provision for loan losses (1,159 ) (1,558 ) 149 (1,246 ) (1,469 ) (598 ) (28 ) (91 ) (6,000 ) Loan charge-offs - (159 ) - (84 ) - - - - (243 ) Loan recoveries - 129 - 58 18 193 - 8 406 Net loan recoveries (charge-offs) - (30 ) - (26 ) 18 193 - 8 163 Balance, end of period $ 5,940 11,635 1,100 5,450 8,577 2,157 725 491 36,075 Net charge-offs (recoveries) to average loans   (annualized) (0.03 %) Allowance for loan losses to gross loans 1.51 % Allowance for loan losses to nonperforming loans 259.95 % 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 recoveries (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 % Nine months ended September 30, 2021 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 $ 8,145 12,049 1,154 7,845 10,453 3,249 747 507 44,149 Provision for loan losses (2,299 ) (509 ) (54 ) (2,256 ) (1,894 ) (1,149 ) (22 ) (17 ) (8,200 ) Loan charge-offs - (158 ) - (353 ) - (139 ) - (8 ) (658 ) Loan recoveries 94 253 - 214 18 196 - 9 784 Net loan recoveries (charge-offs) 94 95 - (139 ) 18 57 - 1 126 Balance, end of period $ 5,940 11,635 1,100 5,450 8,577 2,157 725 491 36,075 Net charge-offs (recoveries) to average loans (annualized) (0.01 %) Nine 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 $ 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 recoveries (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 %
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, 2021 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 955 210 1,165 12,810 5,111 17,921 Collectively evaluated 23,170 11,740 34,910 1,482,186 888,940 2,371,126 Total $ 24,125 11,950 36,075 1,494,996 894,051 2,389,047 December 31, 2020 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 1,339 370 1,709 6,425 6,537 12,962 Collectively evaluated 27,826 14,614 42,440 1,381,230 748,675 2,129,905 Total $ 29,165 14,984 44,149 1,387,655 755,212 2,142,867
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, 2021 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 640,595 149,136 57,419 33,120 880,270 Special mention 3,326 3,162 - 137 6,625 Substandard 4,355 2,751 - 50 7,156 Doubtful - - - - - $ 648,276 155,049 57,419 33,307 894,051 December 31, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Pass $ 530,515 152,154 40,525 21,290 744,484 Special mention 1,968 1,005 - 91 3,064 Substandard 3,828 3,798 - 38 7,664 Doubtful - - - - - $ 536,311 156,957 40,525 21,419 755,212
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, 2021 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 647,722 153,505 57,419 33,301 891,947 30-59 days past due - 1,510 - - 1,510 60-89 days past due - 34 - 6 40 Greater than 90 Days 554 - - - 554 $ 648,276 155,049 57,419 33,307 894,051 December 31, 2020 (dollars in thousands) Real estate Home equity Construction Other Total Current $ 534,648 156,657 40,525 21,419 753,249 30-59 days past due - - - - - 60-89 days past due 332 - - - 332 Greater than 90 Days 1,331 300 - - 1,631 $ 536,311 156,957 40,525 21,419 755,212
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, 2021 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Pass $ 469,715 544,427 87,892 301,291 1,403,325 Special mention 333 48,540 - 2,651 51,524 Substandard 566 35,554 - 4,027 40,147 Doubtful - - - - - $ 470,614 628,521 87,892 307,969 1,494,996 December 31, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Pass $ 430,291 576,095 61,328 301,838 1,369,552 Special mention 624 587 - 1,703 2,914 Substandard 2,405 8,587 139 4,058 15,189 Doubtful - - - - - $ 433,320 585,269 61,467 307,599 1,387,655
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, 2021 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Current $ 470,351 621,383 87,892 305,804 1,485,430 30-59 days past due 263 - - 696 959 60-89 days past due - 7,138 - 1,469 8,607 Greater than 90 Days - - - - - $ 470,614 628,521 87,892 307,969 1,494,996 December 31, 2020 Owner Non-owner (dollars in thousands) occupied RE occupied RE Construction Business Total Current $ 432,711 584,565 61,467 307,261 1,386,004 30-59 days past due 403 282 - 35 720 60-89 days past due - - - 266 266 Greater than 90 Days 206 422 - 37 665 $ 433,320 585,269 61,467 307,599 1,387,655

Troubled Debt Restructurings (T

Troubled Debt Restructurings (Tables)	9 Months Ended
	Sep. 30, 2021
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. There were no new TDRs for the three months ended September 30, 2021, and new TDRs for the three months ended September 30, 2020 were immaterial. The total TDRs for the nine months ended September 30, 2021 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

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2021
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, 2021 and December 31, 2020. September 30, 2021 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 49,120 Other assets $ 609 MBS forward sales commitments 34,500 Other liabilities (169 ) Total derivative financial instruments $ 83,620 $ 440 December 31, 2020 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 107,569 Other assets $ 2,385 MBS forward sales commitments 75,500 Other liabilities (501 ) Total derivative financial instruments $ 183,069 $ 1,884

Fair Value Accounting (Tables)

Fair Value Accounting (Tables)	9 Months Ended
	Sep. 30, 2021
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, 2021 and December 31, 2020. September 30, 2021 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale US treasuries $ - 1,000 - 1,000 US government agencies - 14,277 - 14,277 SBA securities - 445 - 445 State and political subdivisions - 22,707 - 22,707 Asset-backed securities - 10,569 - 10,569 Mortgage-backed securities - 64,804 - 64,804 Mortgage loans held for sale - 31,641 - 31,641 Mortgage loan interest rate lock commitments - 609 - 609 Total assets measured at fair value on a recurring basis $ - 146,052 - 146,052 Liabilities MBS forward sales commitments $ - (169) - (169) Total liabilities measured at fair value on a recurring basis $ - (169) - (169) 23 December 31, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale: US government agencies $ - 6,493 - 6,493 SBA securities - 485 - 485 State and political subdivisions - 19,388 - 19,388 Asset-backed securities - 11,529 - 11,529 Mortgage-backed securities - 56,834 - 56,834 Mortgage loans held for sale - 60,257 - 60,257 Mortgage loan interest rate lock commitments - 2,385 - 2,385 Total assets measured at fair value on a recurring basis $ - 157,371 - 157,371 Liabilities MBS forward sales commitments $ - 501 - 501 Total liabilities measured at fair value on a recurring basis $ - 501 - 501
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, 2021 and December 31, 2020. As of September 30, 2021 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 14,239 2,516 16,755 Other real estate owned - - - - Total assets measured at fair value on a nonrecurring basis $ - 14,239 2,516 16,755 As of December 31, 2020 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 8,144 3,109 11,253 Other real estate owned - 1,169 - 1,169 Total assets measured at fair value on a nonrecurring basis $ - 9,313 3,109 12,422
Schedule of Estimated Fair Values of the Company's Financial Instruments	The estimated fair values of the Company’s financial instruments at September 30, 2021 and December 31, 2020 are as follows: September 30, 2021 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 2,820 2,820 - - 2,820 Loans 1 2,335,051 2,304,092 - - 2,304,092 Financial Liabilities: Deposits 2,433,018 2,249,961 - 2,249,961 - Subordinated debentures 36,079 33,773 - 33,773 - December 31, 2020 Carrying Fair (dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 3,635 3,635 - - 3,635 Loans 1 2,085,756 2,060,698 - - 2,060,698 Financial Liabilities: Deposits 2,142,758 2,008,317 - 2,008,317 - FHLB and other borrowings 25,000 24,972 - 24,972 - Subordinated debentures 35,998 30,371 - 30,371 - 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, 2021
Leases [Abstract]
Maturities of lease liabilities	Maturities of lease liabilities as of September 30, 2021 were as follows: Operating (dollars in thousands) Leases 2021 $ 589 2022 1,974 2023 1,939 2024 1,990 2025 2,046 Thereafter 19,287 Total undiscounted lease payments 27,825 Discount effect of cash flows 4,847 Total lease liability $ 22,978

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2021
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, 2021 and 2020. Dilutive common shares arise from the potentially dilutive effect of the Company’s stock options that were outstanding at September 30, 2021. The assumed conversion of stock options can create a difference between basic and dilutive net income per common share. At September 30, 2021 and 2020, there were 159,029 and 337,998 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) 2021 2020 2021 2020 Numerator: Net income available to common shareholders $ 14,017 2,217 34,706 9,727 Denominator: Weighted-average common shares outstanding – basic 7,873,868 7,732,293 7,832,330 7,711,181 Common stock equivalents 127,160 82,972 133,735 109,164 Weighted-average common shares outstanding – diluted 8,001,028 7,815,265 7,966,065 7,820,345 Earnings per common share: Basic $ 1.78 0.29 4.43 1.26 Diluted $ 1.75 0.28 4.36 1.24

Reportable Segments (Tables)

Reportable Segments (Tables)	9 Months Ended
	Sep. 30, 2021
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 segments include Commercial and Retail Banking, Mortgage Banking, and Corporate. The following schedule presents financial information for each reportable segment. Three months ended Three months ended September 30, 2021 September 30, 2020 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 $ 23,253 233 4 (4 ) 23,486 23,102 313 3 (3 ) 23,415 Interest expense 938 - 380 (4 ) 1,314 2,396 - 385 (3 ) 2,778 Net interest income (loss) 22,315 233 (376 ) - 22,172 20,706 313 (382 ) - 20,637 Provision for loan losses (6,000 ) - - - (6,000 ) 11,100 - - - 11,100 Noninterest income 1,410 2,829 - - 4,239 1,307 6,277 - - 7,584 Noninterest expense 11,980 1,956 103 - 14,039 11,445 2,666 72 - 14,183 Net income (loss) before taxes 17,745 1,106 (479 ) - 18,372 (532 ) 3,924 (454 ) - 2,938 Income tax provision (benefit) 4,195 261 (101 ) - 4,355 (128 ) 944 (95 ) - 721 Net income (loss) $ 13,550 845 (378 ) - 14,017 (404 ) 2,980 (359 ) - 2,217 Total assets $ 2,750,703 33,047 302,254 (301,828 ) 2,784,176 2,411,966 66,915 254,721 (254,191 ) 2,479,411 Nine months ended Nine months ended September 30, 2021 September 30, 2020 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 $ 68,053 978 12 (12 ) 69,031 70,480 791 13 (13 ) 71,271 Interest expense 3,025 - 1,143 (12 ) 4,156 11,452 - 1,325 (13 ) 12,764 Net interest income (loss) 65,028 978 (1,131 ) - 64,875 59,028 791 (1,312 ) - 58,507 Provision for loan losses (8,200 ) - - - (8,200 ) 27,300 - - - 27,300 Noninterest income 4,319 9,445 - - 13,764 5,987 14,721 - - 20,708 Noninterest expense 34,384 7,086 225 - 41,695 32,134 6,841 223 - 39,198 Net income before taxes 43,163 3,337 (1,356 ) - 45,144 5,581 8,671 (1,535 ) - 12,717 Income tax provision (benefit) 10,023 700 (285 ) - 10,438 1,491 1,821 (322 ) - 2,990 Net income (loss) $ 33,140 2,637 (1,071 ) - 34,706 4,090 6,850 (1,213 ) - 9,727 Total assets $ 2,750,703 33,047 302,254 (301,828 ) 2,784,176 2,411,966 66,915 254,721 (254,191 ) 2,479,411

Nature of Business and Basis _3

Nature of Business and Basis of Presentation (Narrative) (Details) - USD ($) $ in Millions	1 Months Ended	9 Months Ended
	Aug. 30, 2020	Sep. 30, 2021	Mar. 16, 2020	Mar. 03, 2020
Federal reserve reduced target federal funds rate basis point			1.00%	0.50%
Line of credit		$ 15
COVID-19 pandemic [Member]
Market interest rates	0.52%	1.50%
Minimum [Member]
Federal funds rate		0.00%
Maximum [Member]
Federal funds rate		0.25%
Holding Company Line of Credit [Member]
Line of credit borrowing capacity		$ 15

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) $ in Millions	Sep. 30, 2021USD ($)Investments	Dec. 31, 2020Investments
Investment Securities (Textual)
Fair market value, less than 12 months, number of investments | Investments	43	26
Fair market value, less than 12 months | $	$ 53.9
Fair market value, 12 months or longer, number of investments | Investments	18
Fair market value, 12 months or longer | $	$ 17.6

Investment Securities (Schedule

Investment Securities (Schedule of Amortized Costs and Fair Value of Investment Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Available for sale
Available-for-sale securities, investment securities, Fair Value	$ 113,802	$ 94,729
Total investment securities available for sale, Gross Unrealized Gains	1,061	1,586
Total investment securities available for sale, Gross Unrealized Losses	1,375	291
Total investment securities available for sale, Amortized Cost	114,116	93,434
US treasuries [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	1,000
Total investment securities available for sale, Gross Unrealized Gains	1
Total investment securities available for sale, Gross Unrealized Losses
Total investment securities available for sale, Amortized Cost	999
US Government Agencies [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	14,277	6,493
Total investment securities available for sale, Gross Unrealized Gains	2	1
Total investment securities available for sale, Gross Unrealized Losses	228	8
Total investment securities available for sale, Amortized Cost	14,503	6,500
SBA Securities [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	445	485
Total investment securities available for sale, Gross Unrealized Gains	10
Total investment securities available for sale, Gross Unrealized Losses		19
Total investment securities available for sale, Amortized Cost	435	504
State and Political Subdivisions [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	22,707	19,388
Total investment securities available for sale, Gross Unrealized Gains	515	804
Total investment securities available for sale, Gross Unrealized Losses	226	30
Total investment securities available for sale, Amortized Cost	22,418	18,614
Asset-backed Securities [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	10,569	11,529
Total investment securities available for sale, Gross Unrealized Gains	56	15
Total investment securities available for sale, Gross Unrealized Losses	13	73
Total investment securities available for sale, Amortized Cost	10,526	11,587
Mortgage Backed Securities [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	64,804	56,834
Total investment securities available for sale, Gross Unrealized Gains	477	766
Total investment securities available for sale, Gross Unrealized Losses	908	161
Total investment securities available for sale, Amortized Cost	65,235	56,229
Mortgage Backed Securities [Member] | FHLMC [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	20,433	12,316
Total investment securities available for sale, Gross Unrealized Gains	141	206
Total investment securities available for sale, Gross Unrealized Losses	386	47
Total investment securities available for sale, Amortized Cost	20,678	12,157
Mortgage Backed Securities [Member] | FNMA [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	39,352	36,309
Total investment securities available for sale, Gross Unrealized Gains	325	507
Total investment securities available for sale, Gross Unrealized Losses	452	91
Total investment securities available for sale, Amortized Cost	39,479	35,893
Mortgage Backed Securities [Member] | GNMA [Member]
Available for sale
Available-for-sale securities, investment securities, Fair Value	5,019	8,209
Total investment securities available for sale, Gross Unrealized Gains	11	53
Total investment securities available for sale, Gross Unrealized Losses	70	23
Total investment securities available for sale, Amortized Cost	$ 5,078	$ 8,179

Investment Securities (Schedu_2

Investment Securities (Schedule of Fair Values Investment Securities Available for Contractual Maturities) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Available for sale
Contractual Maturities, Less than one year, Amount
Contractual Maturities, Less than one year, Yield
Contractual Maturities, One to five years, Amount	$ 4,290	$ 5,015
Contractual Maturities, One to five years, Yield	1.01%	1.10%
Contractual Maturities, Five to ten years, Amount	$ 25,098	$ 17,575
Contractual Maturities, Five to ten years, Yield	1.42%	1.60%
Contractual Maturities, Over ten years, Amount	$ 84,414	$ 72,139
Contractual Maturities, Over ten years, Yield	1.52%	1.50%
Contractual Maturities, Total, Amount	$ 113,802	$ 94,729
Contractual Maturities, Total, Yield	1.48%	1.50%
US treasuries [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	$ 1,000
Contractual Maturities, Five to ten years, Yield	1.27%
Contractual Maturities, Over ten years, Amount
Contractual Maturities, Over ten years, Yield
Contractual Maturities, Total, Amount	$ 1,000
Contractual Maturities, Total, Yield	1.27%
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	$ 2,498	$ 2,501
Contractual Maturities, One to five years, Yield	0.36%	0.37%
Contractual Maturities, Five to ten years, Amount	$ 8,847	$ 2,995
Contractual Maturities, Five to ten years, Yield	1.31%	1.07%
Contractual Maturities, Over ten years, Amount	$ 2,932	$ 997
Contractual Maturities, Over ten years, Yield	1.79%	1.48%
Contractual Maturities, Total, Amount	$ 14,277	$ 6,493
Contractual Maturities, Total, Yield	1.24%	0.86%
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	$ 445	$ 485
Contractual Maturities, Over ten years, Yield	1.00%	0.98%
Contractual Maturities, Total, Amount	$ 445	$ 485
Contractual Maturities, Total, Yield	1.00%	0.98%
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	$ 471	$ 470
Contractual Maturities, One to five years, Yield	2.13%	2.13%
Contractual Maturities, Five to ten years, Amount	$ 3,476	$ 3,053
Contractual Maturities, Five to ten years, Yield	1.60%	1.98%
Contractual Maturities, Over ten years, Amount	$ 18,760	$ 15,865
Contractual Maturities, Over ten years, Yield	2.17%	2.23%
Contractual Maturities, Total, Amount	$ 22,707	$ 19,388
Contractual Maturities, Total, Yield	2.08%	2.18%
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	$ 1,710	$ 1,983
Contractual Maturities, Five to ten years, Yield	1.52%	1.17%
Contractual Maturities, Over ten years, Amount	$ 8,859	$ 9,546
Contractual Maturities, Over ten years, Yield	0.95%	1.00%
Contractual Maturities, Total, Amount	$ 10,569	$ 11,529
Contractual Maturities, Total, Yield	1.04%	1.03%
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	$ 1,321	$ 2,044
Contractual Maturities, One to five years, Yield	1.85%	1.77%
Contractual Maturities, Five to ten years, Amount	$ 10,065	$ 9,544
Contractual Maturities, Five to ten years, Yield	1.46%	1.74%
Contractual Maturities, Over ten years, Amount	$ 53,418	$ 45,246
Contractual Maturities, Over ten years, Yield	1.37%	1.36%
Contractual Maturities, Total, Amount	$ 64,804	$ 56,834
Contractual Maturities, Total, Yield	1.40%	1.44%

Investment Securities (Schedu_3

Investment Securities (Schedule of Gross Unrealized Losses on Investment Securities and Fair Market Value) (Details) $ in Thousands	Sep. 30, 2021USD ($)Investments	Dec. 31, 2020USD ($)Investments
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	43	26
Available for sale Securities, Less than 12 months, Fair value	$ 53,949	$ 28,663
Available for sale Securities, Less than 12 months, Unrealized losses	$ 989	$ 174
Available for sale Securities, 12 months or longer, Number of investments | Investments	18	10
Available for sale Securities, 12 months or longer, Fair value	$ 17,584	$ 9,466
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 386	$ 117
Available for sale Securities, Total, Number of investments | Investments	61	36
Available for sale Securities, Total, Fair value	$ 71,533	$ 38,129
Available for sale Securities, Total, Unrealized losses	$ 1,375	$ 291
US Government Agencies [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	9	3
Available for sale Securities, Less than 12 months, Fair value	$ 11,846	$ 2,992
Available for sale Securities, Less than 12 months, Unrealized losses	$ 157	$ 8
Available for sale Securities, 12 months or longer, Number of investments | Investments	2
Available for sale Securities, 12 months or longer, Fair value	$ 1,929
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 71
Available for sale Securities, Total, Number of investments | Investments	11	3
Available for sale Securities, Total, Fair value	$ 13,775	$ 2,992
Available for sale Securities, Total, Unrealized losses	$ 228	$ 8
State and Political Subdivisions [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	9	8
Available for sale Securities, Less than 12 months, Fair value	$ 7,280	$ 4,861
Available for sale Securities, Less than 12 months, Unrealized losses	$ 168	$ 30
Available for sale Securities, 12 months or longer, Number of investments | Investments	5
Available for sale Securities, 12 months or longer, Fair value	$ 2,565
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 58
Available for sale Securities, Total, Number of investments | Investments	14	8
Available for sale Securities, Total, Fair value	$ 9,845	$ 4,861
Available for sale Securities, Total, Unrealized losses	$ 226	$ 30
Asset-backed 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	2	6
Available for sale Securities, 12 months or longer, Fair value	$ 1,794	$ 6,998
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 13	$ 73
Available for sale Securities, Total, Number of investments | Investments	2	6
Available for sale Securities, Total, Fair value	$ 1,794	$ 6,998
Available for sale Securities, Total, Unrealized losses	$ 13	$ 73
Mortgage Backed Securities [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	25	15
Available for sale Securities, Less than 12 months, Fair value	$ 34,823	$ 20,810
Available for sale Securities, Less than 12 months, Unrealized losses	$ 664	$ 136
Available for sale Securities, 12 months or longer, Number of investments | Investments	9	3
Available for sale Securities, 12 months or longer, Fair value	$ 11,296	$ 1,984
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 244	$ 25
Available for sale Securities, Total, Number of investments | Investments	34	18
Available for sale Securities, Total, Fair value	$ 46,119	$ 22,794
Available for sale Securities, Total, Unrealized losses	$ 908	$ 161
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
Available for sale Securities, 12 months or longer, Fair value		$ 484
Available for sale Securities, 12 months or Longer, Unrealized losses		$ 19
Available for sale Securities, Total, Number of investments | Investments		1
Available for sale Securities, Total, Fair value		$ 484
Available for sale Securities, Total, Unrealized losses		$ 19

Investment Securities (Schedu_4

Investment Securities (Schedule of Other Investments) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Other investments
Federal Home Loan Bank stock	$ 1,241	$ 3,103
Other investments	1,176	129
Investment in Trust Preferred securities	403	403
Total other investments	$ 2,820	$ 3,635

Mortgage Loans Held for Sale (N

Mortgage Loans Held for Sale (Narrative) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Mortgage Loans Held for Sale (Textual)
Mortgage loans held for sale, fair value	$ 31.6	$ 60.3

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Narrative) (Details) $ in Thousands	3 Months Ended		6 Months Ended		9 Months Ended
	Sep. 30, 2021USD ($)	Sep. 30, 2020USD ($)	Jun. 30, 2021USD ($)	Jun. 30, 2020USD ($)	Sep. 30, 2021USD ($)	Sep. 30, 2020USD ($)	Dec. 31, 2020USD ($)
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	0.49%				0.49%		0.17%
Net of deferred loan fees and costs	$ 4,600				$ 4,600		$ 3,900
Receive referral fees					$ 268	$ 2,247
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
Receive referral fees			$ 268
Net lender fees				$ 2,200
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	0.40%				0.40%		0.08%
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	0.09%				0.09%		0.09%

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Schedule of Composition of Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 2,389,047	$ 2,142,867
Total gross loans, net of deferred fees, (Percentage)	100.00%	100.00%
Less-allowance for loan losses	$ (36,075)	$ (44,149)
Total loans, net	2,352,972	2,098,718
Commercial Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 1,494,996	$ 1,387,655
Total gross loans, net of deferred fees, (Percentage)	62.60%	64.80%
Commercial Loan [Member] | Construction Loans [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 87,892	$ 61,467
Total gross loans, net of deferred fees, (Percentage)	3.70%	2.90%
Commercial Loan [Member] | Owner Occupied Re [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 470,614	$ 433,320
Total gross loans, net of deferred fees, (Percentage)	19.70%	20.20%
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 628,521	$ 585,269
Total gross loans, net of deferred fees, (Percentage)	26.30%	27.30%
Commercial Loan [Member] | Business Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 307,969	$ 307,599
Total gross loans, net of deferred fees, (Percentage)	12.90%	14.40%
Consumer Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 894,051	$ 755,212
Total gross loans, net of deferred fees, (Percentage)	37.40%	35.20%
Consumer Loan [Member] | Construction Loans [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 57,419	$ 40,525
Total gross loans, net of deferred fees, (Percentage)	2.40%	1.90%
Consumer Loan [Member] | Real Estate Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 648,276	$ 536,311
Total gross loans, net of deferred fees, (Percentage)	27.10%	25.00%
Consumer Loan [Member] | Home Equity Loan [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 155,049	$ 156,957
Total gross loans, net of deferred fees, (Percentage)	6.50%	7.30%
Consumer Loan [Member] | Other Consumer [Member]
Composition of loan portfolio
Total gross loans, net of deferred fees	$ 33,307	$ 21,419
Total gross loans, net of deferred fees, (Percentage)	1.40%	1.00%

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, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	$ 148,840	$ 187,173
Total gross loans, net of deferred fees, After one but within five years	697,434	719,369
Total gross loans, net of deferred fees, After five years	1,542,773	1,236,325
Total gross loans, net of deferred fees	2,389,047	2,142,867
Loans maturing after one year with: fixed interest rates	1,883,823	1,590,171
Loans maturing after one year with: floating interest rates	356,384	365,523
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	122,732	160,077
Total gross loans, net of deferred fees, After one but within five years	604,875	628,024
Total gross loans, net of deferred fees, After five years	767,389	599,554
Total gross loans, net of deferred fees	1,494,996	1,387,655
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	11,666	21,824
Total gross loans, net of deferred fees, After one but within five years	22,095	15,785
Total gross loans, net of deferred fees, After five years	54,131	23,858
Total gross loans, net of deferred fees	87,892	61,467
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	17,069	22,232
Total gross loans, net of deferred fees, After one but within five years	121,176	136,031
Total gross loans, net of deferred fees, After five years	332,369	275,057
Total gross loans, net of deferred fees	470,614	433,320
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	32,463	39,359
Total gross loans, net of deferred fees, After one but within five years	315,742	335,249
Total gross loans, net of deferred fees, After five years	280,316	210,661
Total gross loans, net of deferred fees	628,521	585,269
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	61,534	76,662
Total gross loans, net of deferred fees, After one but within five years	145,862	140,959
Total gross loans, net of deferred fees, After five years	100,573	89,978
Total gross loans, net of deferred fees	307,969	307,599
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans, net of deferred fees, One year or less	26,108	27,096
Total gross loans, net of deferred fees, After one but within five years	92,559	91,345
Total gross loans, net of deferred fees, After five years	775,384	636,771
Total gross loans, net of deferred fees	894,051	755,212
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	703	1,629
Total gross loans, net of deferred fees, After one but within five years	1,831	1,234
Total gross loans, net of deferred fees, After five years	54,885	37,662
Total gross loans, net of deferred fees	57,419	40,525
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	14,126	14,205
Total gross loans, net of deferred fees, After one but within five years	46,753	54,863
Total gross loans, net of deferred fees, After five years	587,397	467,243
Total gross loans, net of deferred fees	648,276	536,311
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	3,099	4,824
Total gross loans, net of deferred fees, After one but within five years	22,683	23,835
Total gross loans, net of deferred fees, After five years	129,267	128,298
Total gross loans, net of deferred fees	155,049	156,957
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	8,180	6,438
Total gross loans, net of deferred fees, After one but within five years	21,292	11,413
Total gross loans, net of deferred fees, After five years	3,835	3,568
Total gross loans, net of deferred fees	$ 33,307	$ 21,419

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, 2021	Dec. 31, 2020
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	$ 1,494,996	$ 1,387,655
Current [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	1,485,430	1,386,004
30-59 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	959	720
60-89 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	8,607	266
Greater than 90 days [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans		665
Owner Occupied Re [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	470,614	433,320
Owner Occupied Re [Member] | Current [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	470,351	432,711
Owner Occupied Re [Member] | 30-59 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	263	403
Owner Occupied Re [Member] | 60-89 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans
Owner Occupied Re [Member] | Greater than 90 days [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans		206
Non Owner Occupied Re [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	628,521	585,269
Non Owner Occupied Re [Member] | Current [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	621,383	584,565
Non Owner Occupied Re [Member] | 30-59 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans		282
Non Owner Occupied Re [Member] | 60-89 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	7,138
Non Owner Occupied Re [Member] | Greater than 90 days [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans		422
Construction Loans [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	87,892	61,467
Construction Loans [Member] | Current [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	87,892	61,467
Construction Loans [Member] | 30-59 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans
Construction Loans [Member] | 60-89 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans
Construction Loans [Member] | Greater than 90 days [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans
Business Loan [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	307,969	307,599
Business Loan [Member] | Current [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	305,804	307,261
Business Loan [Member] | 30-59 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	696	35
Business Loan [Member] | 60-89 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans	1,469	266
Business Loan [Member] | Greater than 90 days [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total commercial loans		$ 37

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, 2021	Dec. 31, 2020
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	$ 1,494,996	$ 1,387,655
Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	1,403,325	1,369,552
Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	51,524	2,914
Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	40,147	15,189
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	470,614	433,320
Owner Occupied Re [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	469,715	430,291
Owner Occupied Re [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	333	624
Owner Occupied Re [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	566	2,405
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	628,521	585,269
Non Owner Occupied Re [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	544,427	576,095
Non Owner Occupied Re [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	48,540	587
Non Owner Occupied Re [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	35,554	8,587
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	87,892	61,467
Construction Loans [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	87,892	61,328
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		139
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	307,969	307,599
Business Loan [Member] | Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	301,291	301,838
Business Loan [Member] | Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	2,651	1,703
Business Loan [Member] | Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding commercial loans	4,027	4,058
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, 2021	Dec. 31, 2020
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	$ 894,051	$ 755,212
Current [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	891,947	753,249
30-59 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	1,510
60-89 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	40	332
Greater than 90 days [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	554	1,631
Other Consumer [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	33,307	21,419
Other Consumer [Member] | Current [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	33,301	21,419
Other Consumer [Member] | 30-59 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans
Other Consumer [Member] | 60-89 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	6
Other Consumer [Member] | Greater than 90 days [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans
Real Estate [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	648,276	536,311
Real Estate [Member] | Current [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	647,722	534,648
Real Estate [Member] | 30-59 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans
Real Estate [Member] | 60-89 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans		332
Real Estate [Member] | Greater than 90 days [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	554	1,331
Home Equity Loan [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	155,049	156,957
Home Equity Loan [Member] | Current [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	153,505	156,657
Home Equity Loan [Member] | 30-59 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	1,510
Home Equity Loan [Member] | 60-89 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	34
Home Equity Loan [Member] | Greater than 90 days [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans		300
Construction Loans [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	57,419	40,525
Construction Loans [Member] | Current [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans	57,419	40,525
Construction Loans [Member] | 30-59 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans
Construction Loans [Member] | 60-89 days past due [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans
Construction Loans [Member] | Greater than 90 days [Member]
Outstanding commercial and consumer loans which include loans on nonaccrual status
Total consumer loans

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, 2021	Dec. 31, 2020
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	$ 894,051	$ 755,212
Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	33,307	21,419
Real Estate Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	648,276	536,311
Home Equity Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	155,049	156,957
Construction Loans [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	57,419	40,525
Pass [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	880,270	744,484
Pass [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	33,120	21,290
Pass [Member] | Real Estate Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	640,595	530,515
Pass [Member] | Home Equity Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	149,136	152,154
Pass [Member] | Construction Loans [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	57,419	40,525
Special Mention [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	6,625	3,064
Special Mention [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	137	91
Special Mention [Member] | Real Estate Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	3,326	1,968
Special Mention [Member] | Home Equity Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	3,162	1,005
Special Mention [Member] | Construction Loans [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Substandard [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	7,156	7,664
Substandard [Member] | Other Consumer [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	50	38
Substandard [Member] | Real Estate Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	4,355	3,828
Substandard [Member] | Home Equity Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans	2,751	3,798
Substandard [Member] | Construction Loans [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
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
Doubtful [Member] | Real Estate Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Doubtful [Member] | Home Equity Loan [Member]
Outstanding commercial and consumer loans by risk category
Outstanding consumer loans
Doubtful [Member] | Construction Loans [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, 2021	Dec. 31, 2020
Summary of nonperforming assets
Nonaccruing troubled debt restructurings	$ 2,730	$ 3,509
Total nonaccrual loans, including nonaccruing TDRs	13,878	8,069
Other real estate owned		1,169
Total nonperforming assets	$ 13,878	$ 9,238
Nonperforming assets as a percentage of:
Total assets	0.50%	0.37%
Gross loans	0.58%	0.43%
Total loans over 90 days past due	$ 554	$ 2,296
Loans over 90 days past due and still accruing
Accruing troubled debt restructurings	4,044	4,893
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	7,400	1,143
Commercial Loan [Member] | Business Loan [Member]
Summary of nonperforming assets
Nonaccruing	1,469	195
Commercial Loan [Member] | Construction Loans [Member]
Summary of nonperforming assets
Nonaccruing		139
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	1,461	2,536
Consumer Loan [Member] | Home Equity Loan [Member]
Summary of nonperforming assets
Nonaccruing	$ 818	$ 547

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, 2021	Dec. 31, 2020
Summary of key information for impaired loans
Unpaid Principal Balance	$ 19,236	$ 14,993
Impaired loans	17,921	12,962
Impaired loans with no related allowance for loan losses	14,239	7,824
Impaired loans with related allowance for loan losses	3,682	5,138
Related allowance for loan losses	1,165	1,709
Commercial Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	13,885	7,998
Impaired loans	12,810	6,425
Impaired loans with no related allowance for loan losses	10,138	2,620
Impaired loans with related allowance for loan losses	2,672	3,805
Related allowance for loan losses	955	1,339
Commercial Loan [Member] | Owner Occupied Re [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	1,269	1,753
Impaired loans	1,269	1,649
Impaired loans with no related allowance for loan losses	1,269	1,497
Impaired loans with related allowance for loan losses		152
Related allowance for loan losses		76
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	9,283	3,212
Impaired loans	8,238	2,188
Impaired loans with no related allowance for loan losses	7,400	705
Impaired loans with related allowance for loan losses	838	1,483
Related allowance for loan losses	167	366
Commercial Loan [Member] | Business Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	3,333	2,892
Impaired loans	3,303	2,449
Impaired loans with no related allowance for loan losses	1,469	279
Impaired loans with related allowance for loan losses	1,834	2,170
Related allowance for loan losses	788	897
Commercial Loan [Member] | Construction Loans [Member]
Summary of key information for impaired loans
Unpaid Principal Balance		141
Impaired loans		139
Impaired loans with no related allowance for loan losses		139
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	5,351	6,995
Impaired loans	5,111	6,537
Impaired loans with no related allowance for loan losses	4,101	5,204
Impaired loans with related allowance for loan losses	1,010	1,333
Related allowance for loan losses	210	370
Consumer Loan [Member] | Other Consumer [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	126	135
Impaired loans	126	135
Impaired loans with no related allowance for loan losses
Impaired loans with related allowance for loan losses	126	135
Related allowance for loan losses	15	17
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	3,035	4,362
Impaired loans	2,936	4,031
Impaired loans with no related allowance for loan losses	2,109	3,108
Impaired loans with related allowance for loan losses	828	923
Related allowance for loan losses	139	190
Consumer Loan [Member] | Home Equity Loan [Member]
Summary of key information for impaired loans
Unpaid Principal Balance	2,190	2,498
Impaired loans	2,049	2,371
Impaired loans with no related allowance for loan losses	1,992	2,096
Impaired loans with related allowance for loan losses	56	275
Related allowance for loan losses	$ 56	$ 163

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, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	$ 14,654	$ 15,185	$ 13,613	$ 15,064	$ 14,643
Recognized interest income	336	237	654	478	812
Commercial Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	9,059	9,443	7,628	9,647	9,002
Recognized interest income	305	156	485	338	558
Commercial Loan [Member] | Owner Occupied Re [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	1,269	2,985	1,419	2,617	2,423
Recognized interest income	17	40	49	73	88
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	5,125	3,880	3,643	4,724	4,217
Recognized interest income	227	63	321	165	221
Commercial Loan [Member] | Business Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	2,665	2,506	2,497	2,270	2,306
Recognized interest income	61	51	115	98	243
Commercial Loan [Member] | Construction Loans [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment		72	69	36	56
Recognized interest income		2		2	6
Consumer Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	5,595	5,742	5,985	5,417	5,641
Recognized interest income	31	81	169	140	254
Consumer Loan [Member] | Other Consumer [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	127	139	130	143	141
Recognized interest income	1	1	3	3	79
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	3,609	3,063	3,911	3,207	3,372
Recognized interest income		58	102	98	170
Consumer Loan [Member] | Home Equity Loan [Member]
Average recorded investment and interest income recognized on impaired loans
Average recorded investment	1,859	2,540	1,944	2,067	2,128
Recognized interest income	$ 30	$ 22	$ 64	$ 39
Recognized interest income					$ 5

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, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	$ 41,912	$ 31,602	$ 44,149	$ 16,642
Provision for loan losses	(6,000)	11,100	(8,200)	27,300
Loan charge-offs	(243)	(1,064)	(658)	(2,413)
Loan recoveries	406	581	784	690
Net loan recoveries (charge-offs)	163	(483)	126	(1,723)
Balance, end of period	$ 36,075	$ 42,219	$ 36,075	$ 42,219
Net charge-offs (recoveries) to average loans (annualized)	(0.03%)	0.09%	(0.01%)	0.11%
Allowance for loan losses to gross loans	1.51%	2.03%
Allowance for loan losses to nonperforming loans	259.95%	482.43%
Commercial Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period			$ 29,165
Balance, end of period	$ 24,125		24,125
Commercial Loan [Member] | Owner Occupied Re [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	7,099	$ 5,800	8,145	$ 2,835
Provision for loan losses	(1,159)	2,105	(2,299)	5,070
Loan charge-offs
Loan recoveries			94
Net loan recoveries (charge-offs)			94
Balance, end of period	5,940	7,905	5,940	7,905
Commercial Loan [Member] | Non Owner Occupied Re [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	13,223	8,791	12,049	4,304
Provision for loan losses	(1,558)	2,461	(509)	8,081
Loan charge-offs	(159)	(375)	(158)	(1,508)
Loan recoveries	129	554	253	554
Net loan recoveries (charge-offs)	(30)	179	95	(954)
Balance, end of period	11,635	11,431	11,635	11,431
Commercial Loan [Member] | Business Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	6,722	5,841	7,845	3,692
Provision for loan losses	(1,246)	2,274	(2,256)	4,562
Loan charge-offs	(84)	(564)	(353)	(735)
Loan recoveries	58	14	214	46
Net loan recoveries (charge-offs)	(26)	(550)	(139)	(689)
Balance, end of period	5,450	7,565	5,450	7,565
Commercial Loan [Member] | Construction Loans [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	951	977	1,154	541
Provision for loan losses	149	217	(54)	653
Loan charge-offs
Loan recoveries
Net loan recoveries (charge-offs)
Balance, end of period	1,100	1,194	1,100	1,194
Consumer Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period			14,984
Balance, end of period	11,950		11,950
Consumer Loan [Member] | Other Consumer [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	574	399	507	277
Provision for loan losses	(91)	170	(17)	337
Loan charge-offs		(25)	(8)	(70)
Loan recoveries	8	11	9	11
Net loan recoveries (charge-offs)	8	(14)	1	(59)
Balance, end of period	491	555	491	555
Consumer Loan [Member] | Construction Loans [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	753	615	747	268
Provision for loan losses	(28)	87	(22)	434
Loan charge-offs
Loan recoveries
Net loan recoveries (charge-offs)
Balance, end of period	725	702	725	702
Consumer Loan [Member] | Real Estate Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	10,028	6,538	10,453	3,278
Provision for loan losses	(1,469)	2,936	(1,894)	6,187
Loan charge-offs
Loan recoveries	18	2	18	11
Net loan recoveries (charge-offs)	18	2	18	11
Balance, end of period	8,577	9,476	8,577	9,476
Consumer Loan [Member] | Home Equity Loan [Member]
Financing Receivable, Allowance For Credit Losses [Roll Forward]
Balance, beginning of period	2,562	2,641	3,249	1,447
Provision for loan losses	(598)	850	(1,149)	1,976
Loan charge-offs		(100)	(139)	(100)
Loan recoveries	193		196	68
Net loan recoveries (charge-offs)	193	(100)	57	(32)
Balance, end of period	$ 2,157	$ 3,391	$ 2,157	$ 3,391

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, 2021	Jun. 30, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019
Allowance for Loan Losses and Recorded Investment in Loans by Impairment
Allowance for loan losses, Individually evaluated	$ 1,165		$ 1,709
Recorded investment in loans, Individually evaluated	17,921		12,962
Allowance for loan losses, Collectively evaluated	34,910		42,440
Recorded investment in loans, Collectively evaluated	2,371,126		2,129,905
Allowance for loan losses, Total	36,075	$ 41,912	44,149	$ 42,219	$ 31,602	$ 16,642
Recorded investment in loans, Total	2,389,047		2,142,867
Commercial Loan [Member]
Allowance for Loan Losses and Recorded Investment in Loans by Impairment
Allowance for loan losses, Individually evaluated	955		1,339
Recorded investment in loans, Individually evaluated	12,810		6,425
Allowance for loan losses, Collectively evaluated	23,170		27,826
Recorded investment in loans, Collectively evaluated	1,482,186		1,381,230
Allowance for loan losses, Total	24,125		29,165
Recorded investment in loans, Total	1,494,996		1,387,655
Consumer Loan [Member]
Allowance for Loan Losses and Recorded Investment in Loans by Impairment
Allowance for loan losses, Individually evaluated	210		370
Recorded investment in loans, Individually evaluated	5,111		6,537
Allowance for loan losses, Collectively evaluated	11,740		14,614
Recorded investment in loans, Collectively evaluated	888,940		748,675
Allowance for loan losses, Total	11,950		14,984
Recorded investment in loans, Total	$ 894,051		$ 755,212

Troubled Debt Restructurings (N

Troubled Debt Restructurings (Narrative) (Details) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2021USD ($)Investments	Dec. 31, 2020USD ($)Investments
Troubled Debt Restructurings (Textual)
Total number of loans classified under troubled debt restructurings (TDRs) | Investments	13	20
Total sum of loans classified as troubled debt restructurings (TDRs) | $	$ 6.8	$ 8.4
Number of months previous loan payment defaulted	12 months	12 months

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
Summary of concession at the time of modification and the recorded investment in TDRs before and after their modification
Renewals deemed a concession	6
Reduced or deferred payments
Converted to interest only
Maturity date extensions
Total number of loans	6
Pre-modification outstanding recorded investment | $	$ 3,536
Post-modification outstanding recorded investment | $	$ 3,536
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
Reduced or deferred payments
Converted to interest only
Maturity date extensions
Total number of loans	3
Pre-modification outstanding recorded investment | $	$ 1,852
Post-modification outstanding recorded investment | $	$ 1,852

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, 2021	Dec. 31, 2020
Interest Rate Lock Commitments [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional	$ 49,120	$ 107,569
Balance Sheet Location, description	Other assets	Other assets
Fair Value, Asset/(Liability)	$ 609	$ 2,385
Securities Sold, Not yet Purchased [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional	$ 34,500	$ 75,500
Balance Sheet Location, description	Other liabilities	Other liabilities
Fair Value, Asset/(Liability)	$ (169)	$ (501)
Derivative [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional	83,620	183,069
Fair Value, Asset/(Liability)	$ 440	$ 1,884

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, 2021	Dec. 31, 2020
Securities available for sale
US treasuries	$ 1,000
US government agencies	14,277	$ 6,493
SBA securities	445	485
State and political subdivisions	22,707	19,388
Asset-backed securities	10,569	11,529
Mortgage-backed securities	64,804	56,834
Mortgage loans held for sale	31,641	60,257
Mortgage loan interest rate lock commitments	609	2,385
Total assets measured at fair value on a recurring basis	146,052	157,371
Liabilities
MBS forward sales commitments	(169)
Total liabilities measured at fair value on a recurring basis	(169)
MBS forward sales commitments		501
Total liabilities measured at fair value on a recurring basis		501
Fair Value, Inputs, Level 1 [Member]
Securities available for sale
US treasuries
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
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 treasuries	1,000
US government agencies	14,277	6,493
SBA securities	445	485
State and political subdivisions	22,707	19,388
Asset-backed securities	10,569	11,529
Mortgage-backed securities	64,804	56,834
Mortgage loans held for sale	31,641	60,257
Mortgage loan interest rate lock commitments	609	2,385
Total assets measured at fair value on a recurring basis	146,052	157,371
Liabilities
MBS forward sales commitments	(169)
Total liabilities measured at fair value on a recurring basis	(169)
MBS forward sales commitments		501
Total liabilities measured at fair value on a recurring basis		501
Fair Value, Inputs, Level 3 [Member]
Securities available for sale
US treasuries
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
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, 2021	Dec. 31, 2020
Assets
Impaired loans	$ 16,755	$ 11,253
Other real estate owned		1,169
Total assets measured at fair value on a nonrecurring basis	16,755	12,422
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	14,239	8,144
Other real estate owned		1,169
Total assets measured at fair value on a nonrecurring basis	14,239	9,313
Fair Value, Inputs, Level 3 [Member]
Assets
Impaired loans	2,516	3,109
Other real estate owned
Total assets measured at fair value on a nonrecurring basis	$ 2,516	$ 3,109

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, 2021	Dec. 31, 2020
Financial Assets:
Other investments, at cost, Carrying Amount		$ 2,820	$ 3,635
Loans, Carrying Amount	[1]	2,335,051	2,085,756
Other investments, at cost, Fair Value		2,820	3,635
Loans, Fair Value	[1]	2,304,092	2,060,698
Financial Liabilities:
Deposits, Carrying Amount		2,433,018	2,142,758
FHLB and other borrowings, Carrying Amount			25,000
Subordinated debentures, Carrying Amount		33,773	35,998
Deposits, Fair Value		2,249,961	2,008,317
FHLB and other borrowings, Fair Value			24,972
Subordinated debentures, Fair Value		36,079	30,371
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
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		2,249,961	2,008,317
FHLB and other borrowings, Fair Value			24,972
Subordinated debentures, Fair Value		33,773	30,371
Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Other investments, at cost, Fair Value		2,820	3,635
Loans, Fair Value	[1]	2,304,092	2,060,698
Financial Liabilities:
Deposits, Fair Value
FHLB and other borrowings, Fair Value
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, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Leases (Textual)
Weighted average remaining life	7 years 6 months 14 days		7 years 6 months 14 days
Weighted average discount rate	2.48%		2.48%
Operating lease costs	$ 711	$ 616	$ 2,100	$ 1,800
Operating lease, right-of-use asset	21,900		21,900		$ 18,800
Lease liabilities	$ 22,978		$ 22,978		$ 19,500

Leases (Maturities of lease lia

Leases (Maturities of lease liabilities) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Leases [Abstract]
2021	$ 589
2022	1,974
2023	1,939
2024	1,990
2025	2,046
Thereafter	19,287
Total undiscounted lease payments	27,825
Discount effect of cash flows	4,847
Total lease liability	$ 22,978	$ 19,500

Earnings Per Common Share (Narr

Earnings Per Common Share (Narrative) (Details) - shares	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Earnings Per Common Share (Textual)
Antidilutive securities excluded from computation of earnings per share, amount	159,029	337,998

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, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Numerator:
Net income available to common shareholders	$ 14,017	$ 2,217	$ 34,706	$ 9,727
Denominator:
Weighted-average common shares outstanding - basic	7,873,868	7,732,293	7,832,330	7,711,181
Common stock equivalents	127,160	82,972	133,735	109,164
Weighted-average common shares outstanding - diluted	8,001,028	7,815,265	7,966,065	7,820,345
Earnings per common share:
Basic	$ 1.78	$ 0.29	$ 4.43	$ 1.26
Diluted	$ 1.75	$ 0.28	$ 4.36	$ 1.24

Reportable Segments (Narrative)

Reportable Segments (Narrative) (Details)	9 Months Ended
	Sep. 30, 2021Investments
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, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Segment Reporting Information [Line Items]
Interest income	$ 23,486	$ 23,415	$ 69,031	$ 71,271
Interest expense	1,314	2,778	4,156	12,764
Net interest income (loss)	22,172	20,637	64,875	58,507
Provision for loan losses	(6,000)	11,100	(8,200)	27,300
Noninterest income	4,239	7,584	13,764	20,708
Noninterest expense	14,039	14,183	41,695	39,198
Net income (loss) before taxes	18,372	2,938	45,144	12,717
Income tax provision (benefit)	4,355	721	10,438	2,990
Net income (loss)	14,017	2,217	34,706	9,727
Total assets	2,784,176	2,479,411	2,784,176	2,479,411	$ 2,482,587
Intersegment Eliminations [Member]
Segment Reporting Information [Line Items]
Interest income	(4)	(3)	(12)	(13)
Interest expense	(4)	(3)	(12)	(13)
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	(301,828)	(254,191)	(301,828)	(254,191)
Commercial And Retail Banking [Member]
Segment Reporting Information [Line Items]
Interest income	23,253	23,102	68,053	70,480
Interest expense	938	2,396	3,025	11,452
Net interest income (loss)	22,315	20,706	65,028	59,028
Provision for loan losses	(6,000)	11,100	(8,200)	27,300
Noninterest income	1,410	1,307	4,319	5,987
Noninterest expense	11,980	11,445	34,384	32,134
Net income (loss) before taxes	17,745	(532)	43,163	5,581
Income tax provision (benefit)	4,195	(128)	10,023	1,491
Net income (loss)	13,550	(404)	33,140	4,090
Total assets	2,750,703	2,411,966	2,750,703	2,411,966
Mortgage Banking [Member]
Segment Reporting Information [Line Items]
Interest income	233	313	978	791
Interest expense
Net interest income (loss)	233	313	978	791
Provision for loan losses
Noninterest income	2,829	6,277	9,445	14,721
Noninterest expense	1,956	2,666	7,086	6,841
Net income (loss) before taxes	1,106	3,924	3,337	8,671
Income tax provision (benefit)	261	944	700	1,821
Net income (loss)	845	2,980	2,637	6,850
Total assets	33,047	66,915	33,047	66,915
Corporate Segment [Member]
Segment Reporting Information [Line Items]
Interest income	4	3	12	13
Interest expense	380	385	1,143	1,325
Net interest income (loss)	(376)	(382)	(1,131)	(1,312)
Provision for loan losses
Noninterest income
Noninterest expense	103	72	225	223
Net income (loss) before taxes	(479)	(454)	(1,356)	(1,535)
Income tax provision (benefit)	(101)	(95)	(285)	(322)
Net income (loss)	(378)	(359)	(1,071)	(1,213)
Total assets	$ 302,254	$ 254,721	$ 302,254	$ 254,721