Southern First Bancshares (SFST) 10-Q 2 Aug 22 2022 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2022	Jul. 29, 2022
Document Information Line Items
Entity Registrant Name	Southern First Bancshares, Inc.
Trading Symbol	SFST
Document Type	10-Q
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		7,991,644
Amendment Flag	false
Entity Central Index Key	0001090009
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Document Period End Date	Jun. 30, 2022
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Document Quarterly Report	true
Document Transition Report	false
Entity File Number	000-27719
Entity Incorporation, State or Country Code	SC
Entity Address, State or Province	SC
Entity Tax Identification Number	58-2459561
Entity Address, Address Line One	6 Verdae Boulevard
Entity Address, City or Town	Greenville
Entity Address, Postal Zip Code	29607
Local Phone Number	679-9000
City Area Code	864
Title of 12(b) Security	Common Stock
Security Exchange Name	NASDAQ
Entity Interactive Data Current	Yes

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Cash and cash equivalents:
Cash and due from banks	$ 21,090	$ 21,770
Federal funds sold	124,462	86,882
Interest-bearing deposits with banks	36,538	58,557
Total cash and cash equivalents	182,090	167,209
Investment securities:
Investment securities available for sale	98,991	120,281
Other investments	5,065	4,021
Total investment securities	104,056	124,302
Mortgage loans held for sale	18,329	13,556
Loans	2,845,205	2,489,877
Less allowance for credit losses	(34,192)	(30,408)
Loans, net	2,811,013	2,459,469
Bank owned life insurance	50,463	49,833
Property and equipment, net	96,674	92,370
Deferred income taxes, net	15,078	8,397
Accrued interest receivable	7,433	7,624
Other assets	2,527	2,788
Total assets	3,287,663	2,925,548
LIABILITIES
Deposits	2,870,158	2,563,826
FHLB advances and related debt	50,000
Subordinated debentures	36,160	36,106
Other liabilities	48,708	47,715
Total liabilities	3,005,026	2,647,647
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, 7,985,644 and 7,925,819 shares issued and outstanding at June 30, 2022 and December 31, 2021, respectively	80	79
Nonvested restricted stock	(3,230)	(1,435)
Additional paid-in capital	117,714	114,226
Accumulated other comprehensive loss	(10,143)	(740)
Retained earnings	178,216	165,771
Total shareholders’ equity	282,637	277,901
Total liabilities and shareholders’ equity	$ 3,287,663	$ 2,925,548

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Jun. 30, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Preferred stock par value (in Dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Common stock, par value (in Dollars per share)	$ 0.01	$ 0.01
Common stock, authorized shares	10,000,000	10,000,000
Common stock, issued shares	7,985,644	7,925,819
Common stock, outstanding shares	7,985,644	7,925,819

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest income
Loans	$ 26,610	$ 22,409	$ 50,541	$ 44,875
Investment securities	448	269	922	570
Federal funds sold and interest-bearing deposits with banks	180	53	239	99
Total interest income	27,238	22,731	51,702	45,544
Interest expense
Deposits	1,844	920	2,752	2,075
Borrowings	510	381	902	766
Total interest expense	2,354	1,301	3,654	2,841
Net interest income	24,884	21,430	48,048	42,703
Provision for (reversal of) credit losses	1,775	(1,900)	2,880	(2,200)
Net interest income after provision for credit losses	23,109	23,330	45,168	44,903
Noninterest income
Mortgage banking income	1,184	1,983	2,678	6,616
Service fees on deposit accounts	209	173	400	358
ATM and debit card income	563	521	1,092	991
Income from bank owned life insurance	315	331	630	598
Net lender and referral fees on PPP loans		268		268
Loss on disposal of fixed assets	(394)		(394)	10
Other income	388	346	788	685
Total noninterest income	2,265	3,622	5,194	9,526
Noninterest expenses
Compensation and benefits	9,915	8,724	19,371	17,834
Occupancy	2,219	1,552	3,997	3,190
Other real estate owned expenses		1		388
Outside service and data processing costs	1,528	1,391	3,062	2,704
Insurance	367	262	628	563
Professional fees	693	615	1,292	1,210
Marketing	329	208	596	398
Other	737	742	1,528	1,370
Total noninterest expenses	15,788	13,495	30,474	27,657
Income before income tax expense	9,586	13,457	19,888	26,772
Income tax expense	2,346	3,134	4,678	6,083
Net income	$ 7,240	$ 10,323	$ 15,210	$ 20,689
Earnings per common share
Basic (in Dollars per share)	$ 0.91	$ 1.32	$ 1.91	$ 2.65
Diluted (in Dollars per share)	$ 0.9	$ 1.29	$ 1.88	$ 2.6
Weighted average common shares outstanding
Basic (in Shares)	7,957,631	7,847,516	7,944,814	7,811,217
Diluted (in Shares)	8,054,910	7,987,615	8,075,496	7,948,294

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 7,240	$ 10,323	$ 15,210	$ 20,689
Unrealized gain (loss) on securities available for sale:
Unrealized holding (loss) gain arising during the period, pretax	(4,749)	619	(11,890)	(790)
Tax benefit (expense)	997	(129)	2,497	167
Reclassification of realized gain (loss)	3		(12)
Tax (expense) benefit	(1)		2
Other comprehensive (loss) income	(3,750)	490	(9,403)	(623)
Comprehensive income	$ 3,490	$ 10,813	$ 5,807	$ 20,066

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, 2020	$ 78		$ (698)	$ 108,831	$ 1,023	$ 119,060	$ 228,294
Balance (in Shares) at Dec. 31, 2020	7,772,748
Net income						20,689	20,689
Proceeds from exercise of stock options	$ 1			2,520			2,521
Proceeds from exercise of stock options (in Shares)	112,433
Issuance of restricted stock			(689)	689
Issuance of restricted stock (in Shares)	14,750
Compensation expense related to restricted stock, net of tax			214				214
Compensation expense related to stock options, net of tax				564			564
Other comprehensive income					(623)		(623)
Balance at Jun. 30, 2021	$ 79		(1,173)	112,604	400	139,749	251,659
Balance (in Shares) at Jun. 30, 2021	7,899,931
Balance at Mar. 31, 2021	$ 79		(1,075)	111,181	(90)	129,426	239,521
Balance (in Shares) at Mar. 31, 2021	7,853,096
Net income						10,323	10,323
Proceeds from exercise of stock options				943			943
Proceeds from exercise of stock options (in Shares)	42,835
Issuance of restricted stock			(212)	212
Issuance of restricted stock (in Shares)	4,000
Compensation expense related to restricted stock, net of tax			114				114
Compensation expense related to stock options, net of tax				268			268
Other comprehensive income					490		490
Balance at Jun. 30, 2021	$ 79		(1,173)	112,604	400	139,749	251,659
Balance (in Shares) at Jun. 30, 2021	7,899,931
Balance at Dec. 31, 2021	$ 79		(1,435)	114,226	(740)	165,771	277,901
Balance (in Shares) at Dec. 31, 2021	7,925,819
Adoption of ASU 2016-13						(2,765)	(2,765)
Net income						15,210	15,210
Proceeds from exercise of stock options	$ 1			706			707
Proceeds from exercise of stock options (in Shares)	21,750
Issuance of restricted stock			(2,305)	2,305
Issuance of restricted stock (in Shares)	38,075
Compensation expense related to restricted stock, net of tax			510				510
Compensation expense related to stock options, net of tax				477			477
Other comprehensive income					(9,403)		(9,403)
Balance at Jun. 30, 2022	$ 80		(3,230)	117,714	(10,143)	178,216	282,637
Balance (in Shares) at Jun. 30, 2022	7,985,644
Balance at Mar. 31, 2022	$ 80		(3,425)	117,286	(6,393)	170,976	278,524
Balance (in Shares) at Mar. 31, 2022	7,980,519
Net income						7,240	7,240
Proceeds from exercise of stock options				128			128
Proceeds from exercise of stock options (in Shares)	3,625
Issuance of restricted stock			(71)	71
Issuance of restricted stock (in Shares)	1,500
Compensation expense related to restricted stock, net of tax			266				266
Compensation expense related to stock options, net of tax				229			229
Other comprehensive income					(3,750)		(3,750)
Balance at Jun. 30, 2022	$ 80		$ (3,230)	$ 117,714	$ (10,143)	$ 178,216	$ 282,637
Balance (in Shares) at Jun. 30, 2022	7,985,644

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Operating activities
Net income	$ 15,210	$ 20,689
Adjustments to reconcile net income to cash provided by operating activities:
Provision for (reversal of) credit losses	2,880	(2,200)
Depreciation and other amortization	1,341	1,092
Accretion and amortization of securities discounts and premium, net	399	518
Loss on sale of real estate owned		380
(Gain) Loss on sale of fixed assets	394	(10)
Gain on sale of securities	(12)
Net change in operating leases	172	165
Compensation expense related to stock options and restricted stock grants	987	778
Gain on sale of loans held for sale	(1,446)	(8,153)
Loans originated and held for sale	(145,513)	(303,889)
Proceeds from sale of loans held for sale	142,185	335,872
Increase in cash surrender value of bank owned life insurance	(630)	(598)
Decrease in deferred tax asset	(3,446)	(15,341)
Increase in other assets	452	2,589
Increase in other liabilities	1,400	1,949
Net cash provided by operating activities	14,373	33,841
Increase (decrease) in cash realized from:
Increase in loans, net	(355,594)	(111,672)
Purchase of property and equipment	(8,989)	(11,105)
Purchase of investment securities:
Available for sale	(10,094)	(10,338)
Other investments	(11,078)	(1,000)
Payments and maturities, calls and repayments of investment securities:
Available for sale	19,095	12,526
Other investments	10,034	1,865
Purchase of bank owned life insurance		(7,500)
Proceeds from sale of fixed assets	95	50
Proceeds from sale of other real estate owned		788
Net cash used for investing activities	(356,531)	(126,386)
Increase (decrease) in cash realized from:
Increase in deposits, net	306,332	168,134
Increase (decrease) in Federal Home Loan Bank advances and other borrowings, net	50,000	(25,000)
Proceeds from the exercise of stock options	707	2,521
Net cash provided by financing activities	357,039	145,655
Net increase in cash and cash equivalents	14,881	53,110
Cash and cash equivalents at beginning of the period	167,209	100,687
Cash and cash equivalents at end of the period	182,090	153,797
Cash paid for
Interest	3,745	3,843
Income taxes	5,950	15,342
Schedule of non-cash transactions
Foreclosure of other real estate		366
Unrealized loss on securities, net of income taxes	$ (11,902)	$ (623)

Summary of Significant Accounti

Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2022
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	NOTE 1 – Summary of Significant Accounting Policies Nature of Business 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 six- month period ended June 30, 2022 are not necessarily indicative of the results that may be expected for the year ending December 31, 2022. 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, 2021 as filed with the U.S. Securities and Exchange Commission (“SEC”) on March 4, 2022. 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 The Company, through the Bank, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina, and Georgia. These services include demand, time and savings deposits; lending services; ATM processing and mortgage banking services. While the Company’s management periodically reviews limited production information for these revenue streams, that information is not complete as it does not include a full allocation of revenue, costs and capital from key corporate functions. Management will continue to evaluate these lines of business for separate reporting as facts and circumstances change. Accordingly, the Company’s various banking operations are not considered by management to constitute more than one reportable operating segment. 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 credit losses, real estate acquired in the settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets. Risks and Uncertainties The impact of the coronavirus (COVID-19) pandemic is fluid and continues to evolve, adversely affecting many of the Bank’s clients. While vaccine availability and uptake has increased, the longer-term macro-economic effects on global supply chains, inflation, labor shortages and wage increases continue to impact many industries. The ultimate extent of the impact of the COVID-19 pandemic on our business, financial condition and results of operations is currently uncertain and will depend on various developments and other factors, including increases in new COVID-19 cases, hospitalizations and deaths leading to additional government imposed restrictions; refusals to receive the vaccines along with concerns related to new strains of the virus; supply chain issues remaining unresolved longer than anticipated; labor shortages; decreases in consumer confidence and spending; and rising geopolitical tensions. 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. As of June 30, 2022, 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 June 30, 2022, 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. Adoption of New Accounting Standard In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326). The CECL methodology utilizes a lifetime “expected credit loss” measurement objective for the recognition of credit losses for loans, held-to-maturity securities and other receivables at the time the financial asset is originated or acquired. It also applies to off-balance sheet credit exposures, such as unfunded commitments to extend credit. The expected credit losses are adjusted each period for changes in expected lifetime credit losses. The methodology replaces the multiple existing impairment methods in current GAAP, which generally require that a loss be incurred before it is recognized. For available-for-sale securities where fair value is less than cost, credit-related impairment, if any, is recognized through an allowance for credit losses and adjusted each period for changes in credit risk. On January 1, 2022, the Company adopted the guidance prospectively with a cumulative adjustment to retained earnings. Results for reporting periods beginning after January 1, 2022 are presented under CECL while prior period amounts continue to be reported in accordance with the previously applicable incurred loss accounting methodology. The transition adjustment for the adoption of CECL included an increase in the allowance for credit losses on loans of $1.5 million and an increase in the reserve for unfunded loan commitments of $2.0 million, which is recorded within other liabilities. The adoption of CECL had an insignificant impact on the Company’s investment securities portfolio. The Company recorded a net decrease to retained earnings of $2.8 million as of January 1, 2022 for the cumulative effect of adopting CECL, which reflects the transition adjustments noted above, net of the applicable deferred tax assets recorded. Federal banking regulatory agencies provided optional relief to delay the adverse regulatory capital impact of CECL at adoption. The Company did not elect to use this optional relief. Significant Accounting Policy Changes Upon adoption of ASC 326, the Company revised the accounting policy for the Allowance for Credit Losses as detailed below. Allowance for Credit Losses - Securities Available for Sale For available for sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or if it is more likely than not that it will be required to sell the security before recovery of the amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income with the establishment of an allowance under CECL compared to a direct write down of the security under Incurred Loss. For debt securities available for sale that do not meet the aforementioned criteria, the Company evaluates whether any decline in fair value is due to credit loss factors. In making this assessment, management considers any changes to the rating of the security by a rating agency and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of the cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses under CECL are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. At June 30, 2022, there was no allowance for credit losses related to the available-for-sale portfolio. Accrued interest receivable on available for sale debt securities totaled $438,000 at June 30, 2022 and was excluded from the estimate of credit losses. Allowance for Credit Losses - Loans Under the current expected credit loss model, the allowance for credit losses on loans is a valuation allowance estimated at each balance sheet date in accordance with GAAP that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Management assesses the adequacy of the allowance on a quarterly basis. This assessment includes procedures to estimate the allowance and test the adequacy and appropriateness of the resulting balance. The level of the allowance is based upon management’s evaluation of historical default and loss experience, current and projected economic conditions, asset quality trends, known and inherent risks in the portfolio, adverse situations that may affect the borrowers’ ability to repay a loan, the estimated value of any underlying collateral, composition of the loan portfolio, industry and peer bank loan quality indications and other pertinent factors, including regulatory recommendations. Management believes the level of the allowance for credit losses is adequate to absorb all expected future losses inherent in the loan portfolio at the balance sheet date. The allowance is increased through provision for credit losses and decreased by charge-offs, net of recoveries of amounts previously charged-off. The allowance for credit losses is measured on a collective basis for pools of loans with similar risk characteristics. The Company has identified the following pools of financial assets with similar risk characteristics for measuring expected credit losses: Commercial loans ● Owner occupied real estate ● Non-owner occupied real estate ● Construction ● Commercial business Consumer loans ● Real estate ● Home equity ● Construction ● Other For all loan pools, the Company uses a lifetime probability of default and loss given default modeling approach to estimate the allowance for credit losses on loans. This method uses historical correlations between default experience and the age of loans to forecast defaults and losses, assuming that a loan in a pool shares similar risk characteristics such as loan product type, risk rating and loan age, and demonstrates similar default characteristics as other loans in that pool, as the loan progresses through its lifecycle. The Company calculates lifetime probability of default and loss given default rates based on historical loss experience, which is used to calculate expected losses based on the pool’s loss rate and the age of loans in the pool. Management believes that the Company’s historical loss experience provides the best basis for its assessment of expected credit losses to determine the allowance for credit losses. The Company uses its own internal data to measure historical credit loss experience within the pools with similar risk characteristics over an economic cycle. The probability of default and loss given default method also includes assumptions of observed migration over the lifetime of the underlying loan data. Management also considers further adjustments to historical loss information for current conditions and reasonable and supportable forecasts that differ from the conditions that exist for the period over which historical information is evaluated as well as other changes in qualitative factors not inherently considered in the quantitative analyses. The qualitative categories and the measurements used to quantify the risks within each of these categories are subjectively selected by management, but measured by objective measurements period over period. The data for each measurement may be obtained from internal or external sources. The current period measurements are evaluated and assigned a factor commensurate with the current level of risk relative to past measurements over time. The resulting qualitative adjustments are applied to the relevant collectively evaluated loan pools. These adjustments are based upon quarterly trend assessments in certain economic factors as well as associate retention and turnover, portfolio concentrations, and growth characteristics. The qualitative analysis increases or decreases the allowance allocation for each loan pool based on the assessment of factors described above. Loans that do not share similar risk characteristics with the collectively evaluated pools are evaluated on an individual basis and are excluded from the collectively evaluated loan pools. Individual loan evaluations are generally performed for impaired loans, which includes nonaccrual loans and loans modified in a troubled debt restructuring (“TDR”). Such loans are evaluated for credit losses based on either discounted cash flows or the fair value of collateral. The Company has elected the practical expedient under ASC 326 to estimate expected credit losses based on the fair value of collateral, which considers selling costs in the event sale of the collateral is expected. Loans for which terms have been modified in a TDR are evaluated using these same individual evaluation methods. In the event the discounted cash flow method is used for a TDR, the original interest rate is used to discount expected cash flows. While the Company’s policies and procedures used to estimate the allowance for credit losses, as well as the resultant provision for credit losses charged to income, are considered adequate by management and are reviewed periodically by regulators, model validators and internal audit, they are necessarily approximate and imprecise. There are factors beyond the Company’s control, such as changes in projected economic conditions, real estate markets or particular industry conditions which may materially impact asset quality and the adequacy of the allowance for credit losses and thus the resulting provision for credit losses. Accrued Interest Receivable Accrued interest receivable related to loans totaled $7.0 million at June 30, 2022 and was reported in accrued interest receivable on the consolidated balance sheets. The Company elected not to measure an allowance for credit losses for accrued interest receivable and instead elected to reverse interest income on loans or securities that are placed on nonaccrual status, which is generally when the instrument is 90 days past due, or earlier if the Company believes the collection of interest is doubtful. The Company has concluded that this policy results in the timely reversal of uncollectable interest. Unfunded Commitments Effective with the adoption of CECL, the Company estimates expected credit losses on commitments to extend credit over the contractual period in which the Company is exposed to credit risk on the underlying commitments, unless the obligation is unconditionally cancelable by the Company. The allowance for off-balance sheet credit exposures, which is reflected within other liabilities on the consolidated balance sheet, is adjusted for as an increase or decrease to the provision for credit losses. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The allowance is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to fund. The Company’s CECL allowances will fluctuate over time due to macroeconomic conditions and forecasts as well as the size and composition of the loan portfolios. Newly Issued, But Not Yet Effective Accounting Standards In March 2022, the FASB amended the Receivables–Troubled Debt Restructuring by Creditors subtopic and Financial Instruments–Credit Losses subtopic to the Accounting Standards Codification. The amendments eliminate the accounting guidance for TDRs by creditors while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty. In addition, for public business entities, the amendments require disclosure of current-period gross write-offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20. The amendments are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Early adoption of the amendments is permitted if ASU 2016-13 has been adopted, including adoption in an interim period. The Company does not expect these amendments to have a material effect on its financial statements.

Investment Securities

Investment Securities	6 Months Ended
	Jun. 30, 2022
Investments, Debt and Equity Securities [Abstract]
Investment Securities	NOTE 2 – Investment Securities The amortized costs and fair value of investment securities are as follows: June 30, 2022 Amortized Gross Unrealized Fair (dollars in thousands) Cost Gains Losses Value Available for sale Corporate bonds $ 2,185 - 204 1,981 US treasuries 999 - 94 905 US government agencies 13,005 - 1,752 11,253 State and political subdivisions 23,071 4 3,096 19,979 Asset-backed securities 7,922 - 169 7,753 Mortgage-backed securities FHLMC 21,809 - 2,835 18,974 FNMA 36,865 - 4,200 32,665 GNMA 5,974 - 493 5,481 Total mortgage-backed securities 64,648 - 7,528 57,120 Total investment securities available for sale $ 111,830 4 12,843 98,991 December 31, 2021 Amortized Gross Unrealized Fair Cost Gains Losses Value Available for sale Corporate bonds $ 2,198 - 10 2,188 US treasuries 999 - 7 992 US government agencies 14,504 1 336 14,169 SBA securities 429 9 - 438 State and political subdivisions 24,887 549 260 25,176 Asset-backed securities 10,136 45 17 10,164 Mortgage-backed securities FHLMC 23,057 102 494 22,665 FNMA 40,924 235 660 40,499 GNMA 4,084 3 97 3,990 Total mortgage-backed securities 68,065 340 1,251 67,154 Total investment securities available for sale $ 121,218 944 1,881 120,281 Contractual maturities and yields on the Company’s investment securities at June 30, 2022 and December 31, 2021 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. June 30, 2022 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 Corporate bonds $ - - - - 1,981 1.99 % - - 1,981 1.99 % US treasuries - - - - 905 1.27 % - - 905 1.27 % US government agencies - - 2,445 0.83 % 8,001 1.49 % 807 1.48 % 11,253 1.34 % State and political subdivisions - - 468 2.13 % 4,571 1.62 % 14,940 2.19 % 19,979 2.05 % Asset-backed securities - - - - 1,246 3.33 % 6,507 2.03 % 7,753 2.23 % Mortgage-backed securities - - 3,280 1.20 % 4,976 1.43 % 48,864 1.60 % 57,120 1.56 % Total investment securities $ - - 6,193 1.12 % 21,680 1.64 % 71,118 1.76 % 98,991 1.69 % December 31, 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 Corporate bonds $ - - - - 2,188 1.98 % - - 2,188 1.98 % US treasuries - - - - 992 1.27 % - - 992 1.27 % US government agencies - - 2,481 0.36 % 8,756 1.31 % 2,932 1.79 % 14,169 1.24 % SBA securities - - - - - - 438 1.01 % 438 1.01 % State and political subdivisions - - 471 2.13 % 4,282 1.61 % 20,423 2.21 % 25,176 2.11 % Asset-backed securities - - - - 1,614 1.79 % 8,550 0.97 % 10,164 1.10 % Mortgage-backed securities 387 2.10 % 4,411 1.29 % 9,121 1.59 % 53,235 1.38 % 67,154 1.40 % Total investment securities $ 387 2.10 % 7,363 1.03 % 26,953 1.53 % 85,578 1.55 % 120,281 1.52 % The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities at June 30, 2022 and December 31, 2021, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position. June 30, 2022 Less than 12 months 12 months or longer Total (dollars in thousands) # Fair Unrealized # Fair Unrealized # Fair Unrealized Available for sale Corporate bonds 1 $ 1,981 $ 204 - $ - $ - 1 $ 1,981 $ 204 US treasures 1 905 94 - - - 1 905 94 US government agencies 4 6,069 942 6 5,184 810 10 11,253 1,752 State and political subdivisions 22 15,137 2,194 9 4,601 902 31 19,738 3,096 Asset-backed 6 5,496 126 2 1,502 43 8 6,998 169 Mortgage-backed securities FHLMC 14 14,335 1,990 5 4,640 845 19 18,975 2,835 FNMA 24 17,522 2,028 12 15,133 2,172 36 32,655 4,200 GNMA 4 3,805 301 3 1,676 192 7 5,481 493 Total investment securities 76 $ 65,250 $ 7,879 37 $ 32,736 $ 4,964 113 $ 97,986 $ 12,843 December 31, 2021 Less than 12 months 12 months or longer Total (dollars in thousands) # Fair Unrealized # Fair Unrealized # Fair Unrealized Available for sale Corporate bonds 1 $ 2,188 $ 10 - $ - $ - 1 $ 2,188 $ 10 US treasures 1 992 7 - - - 1 992 7 US government agencies 7 9,831 173 4 3,837 163 11 13,668 336 State and political subdivisions 9 7,821 193 6 2,909 67 15 10,730 260 Asset-backed 2 1,751 9 2 1,717 7 4 3,468 16 Mortgage-backed securities FHLMC 10 13,705 303 4 4,644 192 14 18,349 495 FNMA 11 16,098 296 9 11,264 364 20 27,362 660 GNMA 2 655 4 3 3,215 93 5 3,870 97 Total investment securities 43 $ 53,041 $ 995 28 $ 27,586 $ 886 71 $ 80,627 $ 1,881 At June 30, 2022 the Company had 76 individual investments with a fair market value of $65.3 million that were in an unrealized loss position for less than 12 months and 37 individual investments with a fair market value of $32.7 million that were in an unrealized loss position for 12 months or longer. The unrealized losses were primarily attributable to changes in interest rates, rather than deterioration in credit quality. The individual securities are each investment grade securities. The Company considers 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. The Company does not intend to sell these securities, and it is more likely than not that the Company will not be required to sell these securities before recovery of the amortized cost. Other investments are comprised of the following and are recorded at cost which approximates fair value. (dollars in thousands) June 30, 2022 December 31, 2021 Federal Home Loan Bank stock $ 3,632 1,241 Other nonmarketable investments 1,030 2,377 Investment in Trust Preferred subsidiaries 403 403 Total other investments $ 5,065 4,021 The Company has evaluated other investments for impairment and determined that the other investments are not impaired as of June 30, 2022 and that ultimate recoverability of the par value of the investments 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	6 Months Ended
	Jun. 30, 2022
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 June 30, 2022, mortgage loans held for sale totaled $18.3 million compared to $13.6 million at December 31, 2021.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	6 Months Ended
	Jun. 30, 2022
Receivables [Abstract]
Loans and Allowance for Credit Losses	NOTE 4 – Loans and Allowance for Credit 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 $6.2 million as of June 30, 2022 and $5.0 million as of December 31, 2021.   June 30, 2022 December 31, 2021 (dollars in thousands) Amount % of Total Amount % of Total Commercial Owner occupied RE 551,544 19.4 % $ 488,965 19.6 % Non-owner occupied RE 741,263 26.1 % 666,833 26.8 % Construction 84,612 3.0 % 64,425 2.6 % Business 389,790 13.7 % 333,049 13.4 % Total commercial loans 1,767,209 62.2 % 1,553,272 62.4 % Consumer Real estate 812,130 28.5 % 694,401 27.9 % Home equity 161,512 5.6 % 154,839 6.2 % Construction 76,878 2.7 % 59,846 2.4 % Other 27,476 1.0 % 27,519 1.1 % Total consumer loans 1,077,996 37.8 % 936,605 37.6 % Total gross loans, net of deferred fees 2,845,205 100.0 % 2,489,877 100.0 % Less—allowance for credit losses (34,192 ) (30,408 ) Total loans, net $ 2,811,013 $ 2,459,469 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. June 30, 2022 (dollars in thousands) One year After one After five but After Total Commercial Owner occupied RE $ 13,891 117,631 377,520 42,502 551,544 Non-owner occupied RE 38,324 347,550 327,641 27,748 741,263 Construction 4,763 23,348 44,728 11,773 84,612 Business 77,526 159,130 148,909 4,225 389,790 Total commercial loans 134,504 647,659 898,798 86,248 1,767,209 Consumer Real estate $ 8,016 43,504 207,090 553,520 812,130 Home equity 1,554 22,238 132,251 5,469 161,512 Construction 1,102 591 14,226 60,959 76,878 Other 3,867 19,360 3,461 788 27,476 Total consumer loans 14,539 85,693 357,028 620,736 1,077,996 Total gross loans, net of deferred fees $ 149,043 733,352 1,255,826 706,984 2,845,205 December 31, 2021 (dollars in thousands) One year After one After five After Total Commercial Owner occupied RE $ 16,858 120,480 316,261 35,366 488,965 Non-owner occupied RE 47,453 329,085 263,317 26,978 666,833 Construction 4,882 16,393 29,310 13,840 64,425 Business 66,833 152,732 109,008 4,476 333,049 Total commercial loans 136,026 618,690 717,896 80,660 1,553,272 Consumer Real estate 14,632 45,219 162,655 471,895 694,401 Home equity 2,178 21,280 125,427 5,954 154,839 Construction 961 594 8,956 49,335 59,846 Other 8,071 15,711 3,341 396 27,519 Total consumer 25,842 82,804 300,379 527,580 936,605 Total gross loan, net of deferred fees $ 161,868 701,494 1,018,275 608,240 2,489,877 The following table summarizes the loans due after one year by category. June 30, 2022 December 31, 2021 Interest Rate Interest Rate (dollars in thousands) Fixed Floating or Fixed Floating or Commercial Owner occupied RE $ 534,364 3,289 463,589 8,518 Non-owner occupied RE 631,885 71,054 533,565 85,815 Construction 74,537 5,312 57,139 2,404 Business 240,839 71,425 191,522 74,694 Total commercial loans 1,481,625 151,080 1,245,815 171,431 Consumer Real estate 804,102 12 679,756 13 Home equity 11,946 148,012 12,850 139,811 Construction 75,776 - 58,884 - Other 17,522 6,087 13,220 6,228 Total consumer loans 909,346 154,111 764,710 146,052 Total gross loans, net of deferred fees $ 2,390,971 305,191 2,010,525 317,483 Credit Quality Indicators The Company tracks credit quality based on its internal risk ratings. Upon origination, a loan is assigned an initial risk grade, which is generally based on several factors such as the borrower’s credit score, the loan-to-value ratio, the debt-to-income ratio, etc. After loans are initially graded, they are monitored regularly for credit quality based on many factors, such as payment history, the borrower’s financial status, and changes in collateral value. Loans can be downgraded or upgraded depending on management’s evaluation of these factors. Internal risk-grading policies are consistent throughout each loan type. A description of the general characteristics of the risk grades is as follows: ● Pass—These loans range from minimal 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 table presents loan balances classified by credit quality indicators by year of origination as of June 30, 2022. June 30, 2022 (dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Total Commercial Owner occupied RE Pass $ 84,469 134,506 90,382 75,694 37,899 127,229 - - 550,179 Special Mention - 159 - - - 156 - - 315 Substandard - - 648 - 294 108 - - 1,050 Total Owner occupied RE 84,469 134,665 91,030 75,694 38,193 127,493 - - 551,544 Non-owner occupied RE Pass 135,632 175,361 118,012 74,974 79,186 130,248 603 - 714,016 Special Mention - 204 - 310 5,494 5,533 - - 11,541 Substandard - 139 - 13,659 306 1,602 - - 15,706 Total Non-owner occupied RE 135,632 175,704 118,012 88,943 84,986 137,383 603 - 741,263 Construction Pass 17,630 54,916 8,762 2,771 - 533 - - 84,612 Special Mention - - - - - - - - - Substandard - - - - - - - - - Total Construction 17,630 54,916 8,762 2,771 - 533 - - 84,612 Business Pass 63,532 65,669 35,262 25,887 37,371 34,691 122,374 625 385,411 Special Mention 961 - 394 - - 165 113 183 1,816 Substandard - - 1,065 182 345 946 25 - 2,563 Total Business 64,493 65,669 36,721 26,069 37,716 35,802 122,512 808 389,790 Total Commercial loans 302,224 430,954 254,525 193,477 160,895 301,211 123,115 808 1,767,209 Consumer Real estate Pass 143,204 260,391 193,806 77,863 41,377 86,659 - - 803,300 Special Mention - 1,105 1,376 1,191 564 1,094 - - 5,330 Substandard - 895 229 418 406 1,552 - - 3,500 Total Real estate 143,204 262,391 195,411 79,472 42,347 89,305 - - 812,130 Home equity Pass - - - - - - 156,910 - 156,910 Special Mention - - - - - - 2,122 - 2,122 Substandard - - - - - - 2,480 - 2,480 Total Home equity - - - - - - 161,512 - 161,512 Construction Pass 19,945 42,828 13,799 - - - - - 76,572 Special Mention - - - 306 - - - - 306 Substandard - - - - - - - - - Total Construction 19,945 42,828 13,799 306 - - - - 76,878 Other Pass 2,726 2,706 2,076 1,778 639 3,590 13,801 - 27,316 Special Mention 5 - 7 34 56 6 32 - 140 Substandard - - - 9 - - 11 - 20 Total Other 2,731 2,706 2,083 1,821 695 3,596 13,844 - 27,476 Total Consumer loans 165,880 307,925 211,293 81,599 43,042 92,901 175,356 - 1,077,996 Total loans $ 468,104 738,879 465,818 275,076 203,937 394,112 298,471 808 2,845,205 The following table presents loan balances classified by credit quality indicators and loan categories as of December 31, 2021. December 31, 2021 Commercial Consumer (dollars in thousands) Owner Non-owner Construction Business Real Home Construction Other Total Pass $ 487,422 589,280 64,425 328,371 684,923 148,933 59,846 27,365 2,390,565 Special mention 327 48,310 - 1,530 4,294 2,986 - 129 57,576 Substandard 1,216 29,243 - 3,148 5,184 2,920 - 25 41,736 Total loans $ 488,965 666,833 64,425 333,049 694,401 154,839 59,846 27,519 2,489,877 The following tables present loan balances by payment status. June 30, 2022 (dollars in thousands) Accruing 30-59 Accruing 60-89 Accruing 90 Nonaccrual Accruing Total Commercial Owner occupied RE $ - - - - 551,544 551,544 Non-owner occupied RE - - - 981 740,282 741,263 Construction - - - - 84,612 84,612 Business 91 - - - 389,699 389,790 Consumer Real estate 482 697 - 552 810,399 812,130 Home equity - - - 1,398 160,114 161,512 Construction - - - - 76,878 76,878 Other - - - - 27,476 27,476 Total loans $ 573 697 - 2,931 2,839,806 2,845,205 December 31, 2021 (dollars in thousands) Accruing 30-59 Accruing 60-89 Accruing 90 Nonaccrual Accruing Total Commercial Owner occupied RE $ - - - - 488,965 488,965 Non-owner occupied RE - - - 1,069 665,764 666,833 Construction - - - - 64,425 64,425 Business - - - - 333,049 333,049 Consumer Real estate 136 - - 1,750 692,515 694,401 Home equity 417 174 - 2,045 152,203 154,839 Construction - - - - 59,846 59,846 Other 5 - - - 27,514 27,519 Total loans $ 558 174 - 4,864 2,484,281 2,489,877 As of June 30, 2022 and December 31, 2021, loans 30 days or more past due represented 0.10% and 0.09% of the Company’s total loan portfolio, respectively. Commercial loans 30 days or more past due were 0.01% and 0.00% of the Company’s total loan portfolio as of June 30, 2022 and December 31, 2021, respectively. Consumer loans 30 days or more past due were 0.09% of total loans as of June 30, 2022 and December 31, 2021. Nonperforming assets 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. The following table shows the nonperforming assets and the related percentage of nonperforming assets to total assets and gross loans. (dollars in thousands) June 30, 2022 December 31, 2021 Nonaccrual loans $ 642 - Nonaccruing TDRs 2,289 2,952 Total nonaccrual loans, including nonaccruing TDRs 2,931 4,864 Other real estate owned - - Total nonperforming assets $ 2,931 4,864 Nonperforming assets as a percentage of: Total assets 0.09 % 0.17 % Gross loans 0.10 % 0.20 % Total loans over 90 days past due $ - 554 Loans over 90 days past due and still accruing - - Accruing troubled debt restructurings 3,558 3,299 The table below summarizes nonaccrual loans by major categories for the periods presented. CECL Incurred loss June 30, 2022 December 31, 2021 Nonaccrual Nonaccrual loans loans Total Total with no with an nonaccrual nonaccrual (dollars in thousands) allowance allowance loans loans Commercial Owner occupied RE - - - - Non-owner occupied RE $ 121 860 981 1,070 Construction - - - - Business - - - - Total commercial 121 860 981 1,070 Consumer Real estate - 552 552 1,750 Home equity 200 1,198 1,398 2,044 Construction - - - - Other - - - - Total consumer 200 1,750 1,950 3,794 Total $ 321 2,610 2,931 4,864 The table below summarizes key information for loans individually evaluated for impairment loans under the incurred loss methodology. These loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These loans may have estimated impairment which is included in the allowance for credit losses. December 31, 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 credit losses credit losses credit losses Commercial Owner occupied RE $ 1,261 1,261 1,261 - - Non-owner occupied RE 2,012 1,070 270 800 171 Construction - - - - - Business 1,104 1,104 - 1,104 452 Total commercial 4,377 3,435 1,531 1,904 623 Consumer Real estate 2,638 2,561 1,743 818 144 Home equity 2,206 2,044 1,989 55 55 Construction - - - - - Other 123 123 - 123 14 Total consumer 4,967 4,728 3,732 996 213 Total gross loans $ 9,344 8,163 5,263 2,900 836 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 Three months ended (dollars in thousands) Average Recognized Average Recognized Commercial Owner occupied RE $ 1,247 11 1,379 16 Non-owner occupied RE 874 36 2,073 32 Construction - - 68 - Business 1,051 10 2,118 20 Total commercial 3,172 57 5,638 68 Consumer Real estate 1,908 17 4,337 60 Home equity 1,611 (3 ) 1,679 18 Construction - - - - Other 118 1 131 1 Total consumer 3,637 15 6,147 79 Total gross loans $ 6,809 72 11,785 147 Six months ended Six months ended Year ended (dollars in thousands) Average Recognized Average Recognized Average Recognized Commercial Owner occupied RE $ 1,253 32 1,469 32 1,387 65 Non-owner occupied RE 896 78 2,111 94 3,128 182 Construction - - 91 2 55 - Business 1,070 28 2,229 54 2,218 62 Total commercial 3,219 138 5,900 182 6,788 309 Consumer Real estate 2,045 39 4,235 103 3,641 98 Home equity 1,621 21 1,910 34 1,964 85 Construction - - - - - - Other 120 2 132 2 129 4 Total consumer 3,786 62 6,277 139 5,734 187 Total gross loans $ 7,005 200 12,177 321 12,522 496 Allowance for Credit Losses The following table summarizes the activity related to the allowance for credit losses for the six months ended June 30, 2022 under the CECL methodology. Three months ended June 30, 2022 Commercial Consumer (dollars in thousands) Owner Non- Construction Business Real Home Construction Other Total Balance, beginning of period $ 4,898 9,973 929 6,217 7,602 2,197 844 284 32,944 Provision for credit losses (69 ) 37 131 524 390 407 7 98 1,525 Loan charge-offs - - - (55 ) - (170 ) - (91 ) (316 ) Loan recoveries - - - 31 - 8 - - 39 Net loan recoveries (charge-offs) - - - (24 ) - (162 ) - (91 ) (277 ) Balance, end of period $ 4,829 10,010 1,060 6,717 7,992 2,442 851 291 34,192 Net charge-offs to average loans (annualized) 0.04 % Allowance for credit losses to gross loans 1.20 % Allowance for credit losses to nonperforming loans 1166.70 % Six months ended June 30, 2022 Commercial Consumer (dollars in thousands) Owner Non- Construction Business Real Home Construction Other Total Balance, beginning of period $ 4,700 10,518 625 4,887 7,083 1,697 578 320 30,408 Adjustment for CECL (313 ) 333 154 1,057 (294 ) 438 130 (5 ) 1,500 Provision for credit losses 442 (841 ) 281 683 1,203 572 143 67 2,550 Loan charge-offs - - - (55 ) - (339 ) - (91 ) (485 ) Loan recoveries - - - 145 - 74 - - 219 Net loan recoveries (charge-offs) - - - 90 - (265 ) - (91 ) (266 ) Balance, end of period $ 4,829 10,010 1,060 6,717 7,992 2,442 851 291 34,192 Net charge-offs (recoveries) to average loans (annualized) 0.02 % Allowance for credit losses to gross loans 1.20 % Allowance for credit losses to nonperforming loans 1166.70 % Prior to the adoption of ASC 326 on January 1, 2022, the Company calculated the allowance for loan losses under the incurred loss methodology. The following two tables are disclosures related to the allowance for loan losses in prior periods under this methodology. Three months ended June 30, 2021 Commercial Consumer (dollars in thousands) Owner occupied RE Non-owner occupied RE Construction Business Real Home Construction Other Total Balance, beginning of period $ 7,154 15,195 827 6,848 9,666 2,688 685 436 43,499 Provision for loan losses (149 ) (2,096 ) 124 (226 ) 362 (129 ) 68 146 (1,900 ) Loan charge-offs - - - - - - - (8 ) (8 ) Loan recoveries 94 124 - 100 - 3 - - 321 Net loan recoveries (charge-offs) 94 124 - 100 - 3 - (8 ) 313 Balance, end of period $ 7,099 13,223 951 6,722 10,028 2,562 753 574 41,912 Net charge-offs (recoveries) to average loans (annualized) (0.06 %) Allowance for loan losses to gross loans 1.86 % Allowance for loan losses to nonperforming loans 619.47 % Six months ended June 30, 2021 Commercial Consumer (dollars in thousands) Owner occupied RE Non-owner occupied RE Construction Business Real Home 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 (1,140 ) 1,050 (203 ) (1,011 ) (425 ) (552 ) 6 75 (2,200 ) Loan charge-offs - - - (268 ) - (139 ) - (8 ) (415 ) Loan recoveries 94 124 - 156 - 4 - - 378 Net loan recoveries (charge-offs) 94 124 - (112 ) - (135 ) - (8 ) (37 ) Balance, end of period $ 7,099 13,223 951 6,722 10,028 2,562 753 574 41,912 Net charge-offs to average loans (annualized) 0.00 % The following table disaggregates the allowance for loan losses and recorded investment in loans by impairment methodology under the incurred loss methodology. December 31, 2021 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 623 213 836 3,435 4,728 8,163 Collectively evaluated 20,107 9,465 29,572 1,549,837 931,877 2,481,714 Total $ 20,730 9,678 30,408 1,553,272 936,605 2,489,877 June 30, 2021 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 1,454 134 1,588 5,308 6,079 11,387 Collectively evaluated 26,536 13,788 40,324 1,415,635 827,113 2,242,748 Total $ 27,995 13,917 41,912 1,420,943 833,192 2,254,135 Collateral dependent loans are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. The Company reviews individually evaluated loans for designation as collateral dependent loans, as well as other loans that management of the Company designates as having higher risk. These loans do not share common risk characteristics and are not included within the collectively evaluated loans for determining the allowance for credit losses. The following table presents an analysis of collateral-dependent loans of the Company as of June 30, 2022. June 30, 2022 Real Business (dollars in thousands) estate assets Other Total Commercial Owner occupied RE $ - - - - Non-owner occupied RE 121 - - 121 Construction - - - - Business - - - - Total commercial 121 - - 121 Consumer Real estate - - - - Home equity 200 - - 200 Construction - - - - Other - - - - Total consumer 200 - - 200 Total $ 321 - - 321 Under CECL, for collateral dependent loans, the Company has adopted the practical expedient to measure the allowance for credit losses based on the fair value of collateral. The allowance for credit losses is calculated on an individual loan basis based on the shortfall between the fair value of the loan’s collateral, which is adjusted for liquidation costs/discounts, and amortized cost. If the fair value of the collateral exceeds the amortized cost, no allowance is required. Allowance for Credit Losses - Unfunded Loan Commitments The allowance for credit losses for unfunded loan commitments was $2.3 million at June 30, 2022 and is separately classified on the balance sheet within other liabilities. Prior to the adoption of CECL, the Company’s reserve for unfunded commitments was not material. The following table presents the balance and activity in the allowance for credit losses for unfunded loan commitments for the six months ended June 30, 2022. Six months ended (dollars in thousands) June 30, 2022 Balance, beginning of period - Adjustment for adoption of CECL $ 2,000 Provision for loan losses 330 Balance, end of period $ 2,330

Troubled Debt Restructurings

Troubled Debt Restructurings	6 Months Ended
	Jun. 30, 2022
Troubled Debt Restructuring [Abstract]
Troubled Debt Restructurings	NOTE 5 – Troubled Debt Restructurings At June 30, 2022, the Company had 13 loans totaling $5.8 million compared to 14 loans totaling $6.3 million at December 31, 2021, 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. The were no renewals or modifications to any loans considered TDRs during the three and six months ended June 30, 2022. For the three and six months ended June 30, 2021, renewals and modifications were not material. As of June 30, 2022 and 2021, 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	6 Months Ended
	Jun. 30, 2022
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 June 30, 2022 and December 31, 2021. June 30, 2022 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 23,136 Other assets $ 250 MBS forward sales commitments 15,000 Other liabilities (31 ) Total derivative financial instruments $ 38,136 $ 219 December 31, 2021 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 32,478 Other assets $ 425 MBS forward sales commitments 21,000 Other liabilities (41 ) Total derivative financial instruments $ 53,478 $ 384

Fair Value Accounting

Fair Value Accounting	6 Months Ended
	Jun. 30, 2022
Fair Value Accounting [Abstract]
Fair Value Accounting	NOTE 7 – Fair Value Accounting FASB ASC 820, “Fair Value Measurement and Disclosures,” defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1 – Quoted market price in active markets Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include certain debt and equity securities that are traded in an active exchange market. Level 2 – Significant other observable inputs Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include fixed income securities and mortgage-backed securities that are held in the Company’s available-for-sale portfolio and valued by a third-party pricing service, as well as certain impaired loans. Level 3 – Significant unobservable inputs Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. These methodologies may result in a significant portion of the fair value being derived from unobservable data. The methods of determining the fair value of assets and liabilities presented in this note are consistent with our methodologies disclosed in Note 14 of the Company’s 2021 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 Credit 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 June 30, 2022 and December 31, 2021. June 30, 2022 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale Corporate bonds $ - 1,981 - 1,981 US treasuries - 905 - 905 US government agencies - 11,253 - 11,253 State and political subdivisions - 19,979 - 19,979 Asset-backed securities - 7,753 - 7,753 Mortgage-backed securities - 57,120 - 57,120 Mortgage loans held for sale - 18,329 - 18,329 Mortgage loan interest rate lock commitments - 250 - 250 Total assets measured at fair value on a recurring basis $ - 117,570 - 117,570 Liabilities MBS forward sales commitments $ - 31 - 31 Total liabilities measured at fair value on a recurring basis $ - 31 - 31 December 31, 2021 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale: Corporate bonds $ - 2,188 - 2,188 US treasuries - 992 - 992 US government agencies - 14,169 - 14,169 SBA securities - 438 - 438 State and political subdivisions - 25,176 - 25,176 Asset-backed securities - 10,164 - 10,164 Mortgage-backed securities - 67,154 - 67,154 Mortgage loans held for sale - 13,556 - 13,556 Mortgage loan interest rate lock commitments - 425 - 425 Total assets measured at fair value on a recurring basis $ - 134,262 - 134,262 Liabilities MBS forward sales commitments $ - 41 - 41 Total liabilities measured at fair value on a recurring basis $ - 41 - 41 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 June 30, 2022 and December 31, 2021. As of June 30, 2022 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Individually assessed loans $ - 321 3,688 4,009 Total assets measured at fair value on a nonrecurring basis $ - 321 3,688 4,009 As of December 31, 2021 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 5,262 2,065 7,327 Total assets measured at fair value on a nonrecurring basis $ - 5,262 2,065 7,327 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. The estimated fair values of the Company’s financial instruments at June 30, 2022 and December 31, 2021 are as follows: June 30, 2022 (dollars in thousands) Carrying Fair Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 5,065 5,065 - - 5,065 Loans 1 2,804,524 2,688,356 - - 2,688,356 Financial Liabilities: Deposits 2,822,594 2,419,809 - 2,419,809 - Subordinated debentures 36,160 36,651 - 36,651 - December 31, 2021 (dollars in thousands) Carrying Fair Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 4,021 4,021 - - 4,021 Loans 1 2,451,306 2,422,621 - - 2,422,621 Financial Liabilities: Deposits 2,563,826 2,327,055 - 2,327,055 - Subordinated debentures 36,106 33,936 - 33,936 - 1 Carrying amount is net of the allowance for credit losses or loan losses, as applicable, and previously presented individually assessed or impaired loans.

Leases

Leases	6 Months Ended
	Jun. 30, 2022
Leases [Abstract]
Leases	NOTE 8 – Leases Effective January 1, 2019, the Company adopted ASU 2016-02, “Leases (Topic 842)”. As of June 30, 2022, we leased six of our offices under various operating lease agreements. The lease agreements have maturity dates ranging from August 2028 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 7.39 years as of June 30, 2022. 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 2.28% as of June 30, 2022. The total operating lease costs were $768,000 and $640,000 for the three months ended June 30, 2022 and 2021, respectively, and $1.5 million and $1.4 million for the six months ended June 30, 2022 and 2021, respectively. The right-of-use (ROU) asset, included in property and equipment, and lease liability, included in other liabilities, was $23.7 million and $25.3 million as of June 30, 2022, respectively, compared to $26.6 million and $28.0 million as of December 31, 2021, respectively. The ROU asset and lease liability are recognized at lease commencement by calculating the present value of lease payments over the lease term. Maturities of lease liabilities as of June 30, 2022 were as follows: Operating (dollars in thousands) Leases 2022 $ 377 2023 1,938 2024 1,990 2025 2,045 2026 2,096 Thereafter 24,093 Total undiscounted lease payments 32,539 Discount effect of cash flows 7,263 Total lease liability $ 25,276

Earnings Per Common Share

Earnings Per Common Share	6 Months Ended
	Jun. 30, 2022
Earnings Per Share [Abstract]
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 six- month periods ended June 30, 2022 and 2021. Dilutive common shares arise from the potentially dilutive effect of the Company’s stock options that were outstanding at June 30, 2022. The assumed conversion of stock options can create a difference between basic and dilutive net income per common share. At June 30, 2022 and 2021, there were 162,366 and 113,239 options, respectively, that were not considered in computing diluted earnings per common share because they were anti-dilutive. Three months ended Six months ended (dollars in thousands, except share data) 2022 2021 2022 2021 Numerator: Net income available to common shareholders $ 7,240 10,323 15,210 20,689 Denominator: Weighted-average common shares outstanding – basic 7,957,631 7,847,516 7,944,814 7,811,217 Common stock equivalents 97,279 140,099 130,682 137,077 Weighted-average common shares outstanding – diluted 8,054,910 7,987,615 8,075,496 7,948,294 Earnings per common share: Basic $ 0.91 1.32 1.91 2.65 Diluted $ 0.90 1.29 1.88 2.60

Accounting Policies, by Policy

Accounting Policies, by Policy (Policies)	6 Months Ended
	Jun. 30, 2022
Accounting Policies [Abstract]
Nature of Business	Nature of Business 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 six- month period ended June 30, 2022 are not necessarily indicative of the results that may be expected for the year ending December 31, 2022. 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, 2021 as filed with the U.S. Securities and Exchange Commission (“SEC”) on March 4, 2022. 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 The Company, through the Bank, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina, and Georgia. These services include demand, time and savings deposits; lending services; ATM processing and mortgage banking services. While the Company’s management periodically reviews limited production information for these revenue streams, that information is not complete as it does not include a full allocation of revenue, costs and capital from key corporate functions. Management will continue to evaluate these lines of business for separate reporting as facts and circumstances change. Accordingly, the Company’s various banking operations are not considered by management to constitute more than one reportable operating segment.
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 credit losses, real estate acquired in the settlement of loans, fair value of financial instruments, evaluating other-than-temporary-impairment of investment securities and valuation of deferred tax assets.
Risks and Uncertainties	Risks and Uncertainties The impact of the coronavirus (COVID-19) pandemic is fluid and continues to evolve, adversely affecting many of the Bank’s clients. While vaccine availability and uptake has increased, the longer-term macro-economic effects on global supply chains, inflation, labor shortages and wage increases continue to impact many industries. The ultimate extent of the impact of the COVID-19 pandemic on our business, financial condition and results of operations is currently uncertain and will depend on various developments and other factors, including increases in new COVID-19 cases, hospitalizations and deaths leading to additional government imposed restrictions; refusals to receive the vaccines along with concerns related to new strains of the virus; supply chain issues remaining unresolved longer than anticipated; labor shortages; decreases in consumer confidence and spending; and rising geopolitical tensions. 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. As of June 30, 2022, 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 June 30, 2022, 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.
Adoption of New Accounting Standard	Adoption of New Accounting Standard In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326). The CECL methodology utilizes a lifetime “expected credit loss” measurement objective for the recognition of credit losses for loans, held-to-maturity securities and other receivables at the time the financial asset is originated or acquired. It also applies to off-balance sheet credit exposures, such as unfunded commitments to extend credit. The expected credit losses are adjusted each period for changes in expected lifetime credit losses. The methodology replaces the multiple existing impairment methods in current GAAP, which generally require that a loss be incurred before it is recognized. For available-for-sale securities where fair value is less than cost, credit-related impairment, if any, is recognized through an allowance for credit losses and adjusted each period for changes in credit risk. On January 1, 2022, the Company adopted the guidance prospectively with a cumulative adjustment to retained earnings. Results for reporting periods beginning after January 1, 2022 are presented under CECL while prior period amounts continue to be reported in accordance with the previously applicable incurred loss accounting methodology. The transition adjustment for the adoption of CECL included an increase in the allowance for credit losses on loans of $1.5 million and an increase in the reserve for unfunded loan commitments of $2.0 million, which is recorded within other liabilities. The adoption of CECL had an insignificant impact on the Company’s investment securities portfolio. The Company recorded a net decrease to retained earnings of $2.8 million as of January 1, 2022 for the cumulative effect of adopting CECL, which reflects the transition adjustments noted above, net of the applicable deferred tax assets recorded. Federal banking regulatory agencies provided optional relief to delay the adverse regulatory capital impact of CECL at adoption. The Company did not elect to use this optional relief.
Significant Accounting Policy Changes	Significant Accounting Policy Changes Upon adoption of ASC 326, the Company revised the accounting policy for the Allowance for Credit Losses as detailed below.
Allowance for Credit Losses - Securities Available for Sale	Allowance for Credit Losses - Securities Available for Sale For available for sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or if it is more likely than not that it will be required to sell the security before recovery of the amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income with the establishment of an allowance under CECL compared to a direct write down of the security under Incurred Loss. For debt securities available for sale that do not meet the aforementioned criteria, the Company evaluates whether any decline in fair value is due to credit loss factors. In making this assessment, management considers any changes to the rating of the security by a rating agency and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of the cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses under CECL are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. At June 30, 2022, there was no allowance for credit losses related to the available-for-sale portfolio. Accrued interest receivable on available for sale debt securities totaled $438,000 at June 30, 2022 and was excluded from the estimate of credit losses.
Allowance for Credit Losses - Loans	Allowance for Credit Losses - Loans Under the current expected credit loss model, the allowance for credit losses on loans is a valuation allowance estimated at each balance sheet date in accordance with GAAP that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Management assesses the adequacy of the allowance on a quarterly basis. This assessment includes procedures to estimate the allowance and test the adequacy and appropriateness of the resulting balance. The level of the allowance is based upon management’s evaluation of historical default and loss experience, current and projected economic conditions, asset quality trends, known and inherent risks in the portfolio, adverse situations that may affect the borrowers’ ability to repay a loan, the estimated value of any underlying collateral, composition of the loan portfolio, industry and peer bank loan quality indications and other pertinent factors, including regulatory recommendations. Management believes the level of the allowance for credit losses is adequate to absorb all expected future losses inherent in the loan portfolio at the balance sheet date. The allowance is increased through provision for credit losses and decreased by charge-offs, net of recoveries of amounts previously charged-off. The allowance for credit losses is measured on a collective basis for pools of loans with similar risk characteristics. The Company has identified the following pools of financial assets with similar risk characteristics for measuring expected credit losses: Commercial loans ● Owner occupied real estate ● Non-owner occupied real estate ● Construction ● Commercial business Consumer loans ● Real estate ● Home equity ● Construction ● Other For all loan pools, the Company uses a lifetime probability of default and loss given default modeling approach to estimate the allowance for credit losses on loans. This method uses historical correlations between default experience and the age of loans to forecast defaults and losses, assuming that a loan in a pool shares similar risk characteristics such as loan product type, risk rating and loan age, and demonstrates similar default characteristics as other loans in that pool, as the loan progresses through its lifecycle. The Company calculates lifetime probability of default and loss given default rates based on historical loss experience, which is used to calculate expected losses based on the pool’s loss rate and the age of loans in the pool. Management believes that the Company’s historical loss experience provides the best basis for its assessment of expected credit losses to determine the allowance for credit losses. The Company uses its own internal data to measure historical credit loss experience within the pools with similar risk characteristics over an economic cycle. The probability of default and loss given default method also includes assumptions of observed migration over the lifetime of the underlying loan data. Management also considers further adjustments to historical loss information for current conditions and reasonable and supportable forecasts that differ from the conditions that exist for the period over which historical information is evaluated as well as other changes in qualitative factors not inherently considered in the quantitative analyses. The qualitative categories and the measurements used to quantify the risks within each of these categories are subjectively selected by management, but measured by objective measurements period over period. The data for each measurement may be obtained from internal or external sources. The current period measurements are evaluated and assigned a factor commensurate with the current level of risk relative to past measurements over time. The resulting qualitative adjustments are applied to the relevant collectively evaluated loan pools. These adjustments are based upon quarterly trend assessments in certain economic factors as well as associate retention and turnover, portfolio concentrations, and growth characteristics. The qualitative analysis increases or decreases the allowance allocation for each loan pool based on the assessment of factors described above. Loans that do not share similar risk characteristics with the collectively evaluated pools are evaluated on an individual basis and are excluded from the collectively evaluated loan pools. Individual loan evaluations are generally performed for impaired loans, which includes nonaccrual loans and loans modified in a troubled debt restructuring (“TDR”). Such loans are evaluated for credit losses based on either discounted cash flows or the fair value of collateral. The Company has elected the practical expedient under ASC 326 to estimate expected credit losses based on the fair value of collateral, which considers selling costs in the event sale of the collateral is expected. Loans for which terms have been modified in a TDR are evaluated using these same individual evaluation methods. In the event the discounted cash flow method is used for a TDR, the original interest rate is used to discount expected cash flows. While the Company’s policies and procedures used to estimate the allowance for credit losses, as well as the resultant provision for credit losses charged to income, are considered adequate by management and are reviewed periodically by regulators, model validators and internal audit, they are necessarily approximate and imprecise. There are factors beyond the Company’s control, such as changes in projected economic conditions, real estate markets or particular industry conditions which may materially impact asset quality and the adequacy of the allowance for credit losses and thus the resulting provision for credit losses.
Accrued Interest Receivable	Accrued Interest Receivable Accrued interest receivable related to loans totaled $7.0 million at June 30, 2022 and was reported in accrued interest receivable on the consolidated balance sheets. The Company elected not to measure an allowance for credit losses for accrued interest receivable and instead elected to reverse interest income on loans or securities that are placed on nonaccrual status, which is generally when the instrument is 90 days past due, or earlier if the Company believes the collection of interest is doubtful. The Company has concluded that this policy results in the timely reversal of uncollectable interest.
Unfunded Commitments	Unfunded Commitments Effective with the adoption of CECL, the Company estimates expected credit losses on commitments to extend credit over the contractual period in which the Company is exposed to credit risk on the underlying commitments, unless the obligation is unconditionally cancelable by the Company. The allowance for off-balance sheet credit exposures, which is reflected within other liabilities on the consolidated balance sheet, is adjusted for as an increase or decrease to the provision for credit losses. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The allowance is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to fund. The Company’s CECL allowances will fluctuate over time due to macroeconomic conditions and forecasts as well as the size and composition of the loan portfolios.
Newly Issued, But Not Yet Effective Accounting Standards	Newly Issued, But Not Yet Effective Accounting Standards In March 2022, the FASB amended the Receivables–Troubled Debt Restructuring by Creditors subtopic and Financial Instruments–Credit Losses subtopic to the Accounting Standards Codification. The amendments eliminate the accounting guidance for TDRs by creditors while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty. In addition, for public business entities, the amendments require disclosure of current-period gross write-offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20. The amendments are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Early adoption of the amendments is permitted if ASU 2016-13 has been adopted, including adoption in an interim period. The Company does not expect these amendments to have a material effect on its financial statements.

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2022
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized costs and fair value of investment securities	June 30, 2022 Amortized Gross Unrealized Fair (dollars in thousands) Cost Gains Losses Value Available for sale Corporate bonds $ 2,185 - 204 1,981 US treasuries 999 - 94 905 US government agencies 13,005 - 1,752 11,253 State and political subdivisions 23,071 4 3,096 19,979 Asset-backed securities 7,922 - 169 7,753 Mortgage-backed securities FHLMC 21,809 - 2,835 18,974 FNMA 36,865 - 4,200 32,665 GNMA 5,974 - 493 5,481 Total mortgage-backed securities 64,648 - 7,528 57,120 Total investment securities available for sale $ 111,830 4 12,843 98,991 December 31, 2021 Amortized Gross Unrealized Fair Cost Gains Losses Value Available for sale Corporate bonds $ 2,198 - 10 2,188 US treasuries 999 - 7 992 US government agencies 14,504 1 336 14,169 SBA securities 429 9 - 438 State and political subdivisions 24,887 549 260 25,176 Asset-backed securities 10,136 45 17 10,164 Mortgage-backed securities FHLMC 23,057 102 494 22,665 FNMA 40,924 235 660 40,499 GNMA 4,084 3 97 3,990 Total mortgage-backed securities 68,065 340 1,251 67,154 Total investment securities available for sale $ 121,218 944 1,881 120,281
Schedule of fair values investment securities available for contractual maturities	June 30, 2022 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 Corporate bonds $ - - - - 1,981 1.99 % - - 1,981 1.99 % US treasuries - - - - 905 1.27 % - - 905 1.27 % US government agencies - - 2,445 0.83 % 8,001 1.49 % 807 1.48 % 11,253 1.34 % State and political subdivisions - - 468 2.13 % 4,571 1.62 % 14,940 2.19 % 19,979 2.05 % Asset-backed securities - - - - 1,246 3.33 % 6,507 2.03 % 7,753 2.23 % Mortgage-backed securities - - 3,280 1.20 % 4,976 1.43 % 48,864 1.60 % 57,120 1.56 % Total investment securities $ - - 6,193 1.12 % 21,680 1.64 % 71,118 1.76 % 98,991 1.69 % December 31, 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 Corporate bonds $ - - - - 2,188 1.98 % - - 2,188 1.98 % US treasuries - - - - 992 1.27 % - - 992 1.27 % US government agencies - - 2,481 0.36 % 8,756 1.31 % 2,932 1.79 % 14,169 1.24 % SBA securities - - - - - - 438 1.01 % 438 1.01 % State and political subdivisions - - 471 2.13 % 4,282 1.61 % 20,423 2.21 % 25,176 2.11 % Asset-backed securities - - - - 1,614 1.79 % 8,550 0.97 % 10,164 1.10 % Mortgage-backed securities 387 2.10 % 4,411 1.29 % 9,121 1.59 % 53,235 1.38 % 67,154 1.40 % Total investment securities $ 387 2.10 % 7,363 1.03 % 26,953 1.53 % 85,578 1.55 % 120,281 1.52 %
Schedule of gross unrealized losses on investment securities and fair market value of related securities	June 30, 2022 Less than 12 months 12 months or longer Total (dollars in thousands) # Fair Unrealized # Fair Unrealized # Fair Unrealized Available for sale Corporate bonds 1 $ 1,981 $ 204 - $ - $ - 1 $ 1,981 $ 204 US treasures 1 905 94 - - - 1 905 94 US government agencies 4 6,069 942 6 5,184 810 10 11,253 1,752 State and political subdivisions 22 15,137 2,194 9 4,601 902 31 19,738 3,096 Asset-backed 6 5,496 126 2 1,502 43 8 6,998 169 Mortgage-backed securities FHLMC 14 14,335 1,990 5 4,640 845 19 18,975 2,835 FNMA 24 17,522 2,028 12 15,133 2,172 36 32,655 4,200 GNMA 4 3,805 301 3 1,676 192 7 5,481 493 Total investment securities 76 $ 65,250 $ 7,879 37 $ 32,736 $ 4,964 113 $ 97,986 $ 12,843 December 31, 2021 Less than 12 months 12 months or longer Total (dollars in thousands) # Fair Unrealized # Fair Unrealized # Fair Unrealized Available for sale Corporate bonds 1 $ 2,188 $ 10 - $ - $ - 1 $ 2,188 $ 10 US treasures 1 992 7 - - - 1 992 7 US government agencies 7 9,831 173 4 3,837 163 11 13,668 336 State and political subdivisions 9 7,821 193 6 2,909 67 15 10,730 260 Asset-backed 2 1,751 9 2 1,717 7 4 3,468 16 Mortgage-backed securities FHLMC 10 13,705 303 4 4,644 192 14 18,349 495 FNMA 11 16,098 296 9 11,264 364 20 27,362 660 GNMA 2 655 4 3 3,215 93 5 3,870 97 Total investment securities 43 $ 53,041 $ 995 28 $ 27,586 $ 886 71 $ 80,627 $ 1,881
Schedule of other investments	(dollars in thousands) June 30, 2022 December 31, 2021 Federal Home Loan Bank stock $ 3,632 1,241 Other nonmarketable investments 1,030 2,377 Investment in Trust Preferred subsidiaries 403 403 Total other investments $ 5,065 4,021

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	3 Months Ended	6 Months Ended
	Mar. 31, 2022	Jun. 30, 2022
Receivables [Abstract]
Schedule of composition of our loan portfolio		June 30, 2022 December 31, 2021 (dollars in thousands) Amount % of Total Amount % of Total Commercial Owner occupied RE 551,544 19.4 % $ 488,965 19.6 % Non-owner occupied RE 741,263 26.1 % 666,833 26.8 % Construction 84,612 3.0 % 64,425 2.6 % Business 389,790 13.7 % 333,049 13.4 % Total commercial loans 1,767,209 62.2 % 1,553,272 62.4 % Consumer Real estate 812,130 28.5 % 694,401 27.9 % Home equity 161,512 5.6 % 154,839 6.2 % Construction 76,878 2.7 % 59,846 2.4 % Other 27,476 1.0 % 27,519 1.1 % Total consumer loans 1,077,996 37.8 % 936,605 37.6 % Total gross loans, net of deferred fees 2,845,205 100.0 % 2,489,877 100.0 % Less—allowance for credit losses (34,192 ) (30,408 ) Total loans, net $ 2,811,013 $ 2,459,469
Schedule of loan maturity distribution by type and related interest rate		June 30, 2022 (dollars in thousands) One year After one After five but After Total Commercial Owner occupied RE $ 13,891 117,631 377,520 42,502 551,544 Non-owner occupied RE 38,324 347,550 327,641 27,748 741,263 Construction 4,763 23,348 44,728 11,773 84,612 Business 77,526 159,130 148,909 4,225 389,790 Total commercial loans 134,504 647,659 898,798 86,248 1,767,209 Consumer Real estate $ 8,016 43,504 207,090 553,520 812,130 Home equity 1,554 22,238 132,251 5,469 161,512 Construction 1,102 591 14,226 60,959 76,878 Other 3,867 19,360 3,461 788 27,476 Total consumer loans 14,539 85,693 357,028 620,736 1,077,996 Total gross loans, net of deferred fees $ 149,043 733,352 1,255,826 706,984 2,845,205 December 31, 2021 (dollars in thousands) One year After one After five After Total Commercial Owner occupied RE $ 16,858 120,480 316,261 35,366 488,965 Non-owner occupied RE 47,453 329,085 263,317 26,978 666,833 Construction 4,882 16,393 29,310 13,840 64,425 Business 66,833 152,732 109,008 4,476 333,049 Total commercial loans 136,026 618,690 717,896 80,660 1,553,272 Consumer Real estate 14,632 45,219 162,655 471,895 694,401 Home equity 2,178 21,280 125,427 5,954 154,839 Construction 961 594 8,956 49,335 59,846 Other 8,071 15,711 3,341 396 27,519 Total consumer 25,842 82,804 300,379 527,580 936,605 Total gross loan, net of deferred fees $ 161,868 701,494 1,018,275 608,240 2,489,877
Schedule of composition of gross loans by rate type		June 30, 2022 December 31, 2021 Interest Rate Interest Rate (dollars in thousands) Fixed Floating or Fixed Floating or Commercial Owner occupied RE $ 534,364 3,289 463,589 8,518 Non-owner occupied RE 631,885 71,054 533,565 85,815 Construction 74,537 5,312 57,139 2,404 Business 240,839 71,425 191,522 74,694 Total commercial loans 1,481,625 151,080 1,245,815 171,431 Consumer Real estate 804,102 12 679,756 13 Home equity 11,946 148,012 12,850 139,811 Construction 75,776 - 58,884 - Other 17,522 6,087 13,220 6,228 Total consumer loans 909,346 154,111 764,710 146,052 Total gross loans, net of deferred fees $ 2,390,971 305,191 2,010,525 317,483
Schedule of presents loan balances classified by credit quality indicators and loan categories		June 30, 2022 (dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Revolving Total Commercial Owner occupied RE Pass $ 84,469 134,506 90,382 75,694 37,899 127,229 - - 550,179 Special Mention - 159 - - - 156 - - 315 Substandard - - 648 - 294 108 - - 1,050 Total Owner occupied RE 84,469 134,665 91,030 75,694 38,193 127,493 - - 551,544 Non-owner occupied RE Pass 135,632 175,361 118,012 74,974 79,186 130,248 603 - 714,016 Special Mention - 204 - 310 5,494 5,533 - - 11,541 Substandard - 139 - 13,659 306 1,602 - - 15,706 Total Non-owner occupied RE 135,632 175,704 118,012 88,943 84,986 137,383 603 - 741,263 Construction Pass 17,630 54,916 8,762 2,771 - 533 - - 84,612 Special Mention - - - - - - - - - Substandard - - - - - - - - - Total Construction 17,630 54,916 8,762 2,771 - 533 - - 84,612 Business Pass 63,532 65,669 35,262 25,887 37,371 34,691 122,374 625 385,411 Special Mention 961 - 394 - - 165 113 183 1,816 Substandard - - 1,065 182 345 946 25 - 2,563 Total Business 64,493 65,669 36,721 26,069 37,716 35,802 122,512 808 389,790 Total Commercial loans 302,224 430,954 254,525 193,477 160,895 301,211 123,115 808 1,767,209 Consumer Real estate Pass 143,204 260,391 193,806 77,863 41,377 86,659 - - 803,300 Special Mention - 1,105 1,376 1,191 564 1,094 - - 5,330 Substandard - 895 229 418 406 1,552 - - 3,500 Total Real estate 143,204 262,391 195,411 79,472 42,347 89,305 - - 812,130 Home equity Pass - - - - - - 156,910 - 156,910 Special Mention - - - - - - 2,122 - 2,122 Substandard - - - - - - 2,480 - 2,480 Total Home equity - - - - - - 161,512 - 161,512 Construction Pass 19,945 42,828 13,799 - - - - - 76,572 Special Mention - - - 306 - - - - 306 Substandard - - - - - - - - - Total Construction 19,945 42,828 13,799 306 - - - - 76,878 Other Pass 2,726 2,706 2,076 1,778 639 3,590 13,801 - 27,316 Special Mention 5 - 7 34 56 6 32 - 140 Substandard - - - 9 - - 11 - 20 Total Other 2,731 2,706 2,083 1,821 695 3,596 13,844 - 27,476 Total Consumer loans 165,880 307,925 211,293 81,599 43,042 92,901 175,356 - 1,077,996 Total loans $ 468,104 738,879 465,818 275,076 203,937 394,112 298,471 808 2,845,205
Schedule of presents loan balances classified by credit quality indicators and loan categories		December 31, 2021 Commercial Consumer (dollars in thousands) Owner Non-owner Construction Business Real Home Construction Other Total Pass $ 487,422 589,280 64,425 328,371 684,923 148,933 59,846 27,365 2,390,565 Special mention 327 48,310 - 1,530 4,294 2,986 - 129 57,576 Substandard 1,216 29,243 - 3,148 5,184 2,920 - 25 41,736 Total loans $ 488,965 666,833 64,425 333,049 694,401 154,839 59,846 27,519 2,489,877
Schedule of breakdown of outstanding loans by risk category		June 30, 2022 (dollars in thousands) Accruing 30-59 Accruing 60-89 Accruing 90 Nonaccrual Accruing Total Commercial Owner occupied RE $ - - - - 551,544 551,544 Non-owner occupied RE - - - 981 740,282 741,263 Construction - - - - 84,612 84,612 Business 91 - - - 389,699 389,790 Consumer Real estate 482 697 - 552 810,399 812,130 Home equity - - - 1,398 160,114 161,512 Construction - - - - 76,878 76,878 Other - - - - 27,476 27,476 Total loans $ 573 697 - 2,931 2,839,806 2,845,205 December 31, 2021 (dollars in thousands) Accruing 30-59 Accruing 60-89 Accruing 90 Nonaccrual Accruing Total Commercial Owner occupied RE $ - - - - 488,965 488,965 Non-owner occupied RE - - - 1,069 665,764 666,833 Construction - - - - 64,425 64,425 Business - - - - 333,049 333,049 Consumer Real estate 136 - - 1,750 692,515 694,401 Home equity 417 174 - 2,045 152,203 154,839 Construction - - - - 59,846 59,846 Other 5 - - - 27,514 27,519 Total loans $ 558 174 - 4,864 2,484,281 2,489,877
Schedule of nonperforming assets, including nonaccruing TDRs		(dollars in thousands) June 30, 2022 December 31, 2021 Nonaccrual loans $ 642 - Nonaccruing TDRs 2,289 2,952 Total nonaccrual loans, including nonaccruing TDRs 2,931 4,864 Other real estate owned - - Total nonperforming assets $ 2,931 4,864 Nonperforming assets as a percentage of: Total assets 0.09 % 0.17 % Gross loans 0.10 % 0.20 % Total loans over 90 days past due $ - 554 Loans over 90 days past due and still accruing - - Accruing troubled debt restructurings 3,558 3,299
Schedule of nonaccrual loans by major categories		CECL Incurred loss June 30, 2022 December 31, 2021 Nonaccrual Nonaccrual loans loans Total Total with no with an nonaccrual nonaccrual (dollars in thousands) allowance allowance loans loans Commercial Owner occupied RE - - - - Non-owner occupied RE $ 121 860 981 1,070 Construction - - - - Business - - - - Total commercial 121 860 981 1,070 Consumer Real estate - 552 552 1,750 Home equity 200 1,198 1,398 2,044 Construction - - - - Other - - - - Total consumer 200 1,750 1,950 3,794 Total $ 321 2,610 2,931 4,864
Schedule of allowance for loan losses and recorded investment in loans by impairment methodology		December 31, 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 credit losses credit losses credit losses Commercial Owner occupied RE $ 1,261 1,261 1,261 - - Non-owner occupied RE 2,012 1,070 270 800 171 Construction - - - - - Business 1,104 1,104 - 1,104 452 Total commercial 4,377 3,435 1,531 1,904 623 Consumer Real estate 2,638 2,561 1,743 818 144 Home equity 2,206 2,044 1,989 55 55 Construction - - - - - Other 123 123 - 123 14 Total consumer 4,967 4,728 3,732 996 213 Total gross loans $ 9,344 8,163 5,263 2,900 836
Schedule of average recorded investment and interest income recognized on impaired loans	Three months ended Three months ended (dollars in thousands) Average Recognized Average Recognized Commercial Owner occupied RE $ 1,247 11 1,379 16 Non-owner occupied RE 874 36 2,073 32 Construction - - 68 - Business 1,051 10 2,118 20 Total commercial 3,172 57 5,638 68 Consumer Real estate 1,908 17 4,337 60 Home equity 1,611 (3 ) 1,679 18 Construction - - - - Other 118 1 131 1 Total consumer 3,637 15 6,147 79 Total gross loans $ 6,809 72 11,785 147 Six months ended Six months ended Year ended (dollars in thousands) Average Recognized Average Recognized Average Recognized Commercial Owner occupied RE $ 1,253 32 1,469 32 1,387 65 Non-owner occupied RE 896 78 2,111 94 3,128 182 Construction - - 91 2 55 - Business 1,070 28 2,229 54 2,218 62 Total commercial 3,219 138 5,900 182 6,788 309 Consumer Real estate 2,045 39 4,235 103 3,641 98 Home equity 1,621 21 1,910 34 1,964 85 Construction - - - - - - Other 120 2 132 2 129 4 Total consumer 3,786 62 6,277 139 5,734 187 Total gross loans $ 7,005 200 12,177 321 12,522 496
Schedule of allowance for loan losses by commercial and consumer portfolio segments		Three months ended June 30, 2022 Commercial Consumer (dollars in thousands) Owner Non- Construction Business Real Home Construction Other Total Balance, beginning of period $ 4,898 9,973 929 6,217 7,602 2,197 844 284 32,944 Provision for credit losses (69 ) 37 131 524 390 407 7 98 1,525 Loan charge-offs - - - (55 ) - (170 ) - (91 ) (316 ) Loan recoveries - - - 31 - 8 - - 39 Net loan recoveries (charge-offs) - - - (24 ) - (162 ) - (91 ) (277 ) Balance, end of period $ 4,829 10,010 1,060 6,717 7,992 2,442 851 291 34,192 Net charge-offs to average loans (annualized) 0.04 % Allowance for credit losses to gross loans 1.20 % Allowance for credit losses to nonperforming loans 1166.70 % Six months ended June 30, 2022 Commercial Consumer (dollars in thousands) Owner Non- Construction Business Real Home Construction Other Total Balance, beginning of period $ 4,700 10,518 625 4,887 7,083 1,697 578 320 30,408 Adjustment for CECL (313 ) 333 154 1,057 (294 ) 438 130 (5 ) 1,500 Provision for credit losses 442 (841 ) 281 683 1,203 572 143 67 2,550 Loan charge-offs - - - (55 ) - (339 ) - (91 ) (485 ) Loan recoveries - - - 145 - 74 - - 219 Net loan recoveries (charge-offs) - - - 90 - (265 ) - (91 ) (266 ) Balance, end of period $ 4,829 10,010 1,060 6,717 7,992 2,442 851 291 34,192 Net charge-offs (recoveries) to average loans (annualized) 0.02 % Allowance for credit losses to gross loans 1.20 % Allowance for credit losses to nonperforming loans 1166.70 % Three months ended June 30, 2021 Commercial Consumer (dollars in thousands) Owner occupied RE Non-owner occupied RE Construction Business Real Home Construction Other Total Balance, beginning of period $ 7,154 15,195 827 6,848 9,666 2,688 685 436 43,499 Provision for loan losses (149 ) (2,096 ) 124 (226 ) 362 (129 ) 68 146 (1,900 ) Loan charge-offs - - - - - - - (8 ) (8 ) Loan recoveries 94 124 - 100 - 3 - - 321 Net loan recoveries (charge-offs) 94 124 - 100 - 3 - (8 ) 313 Balance, end of period $ 7,099 13,223 951 6,722 10,028 2,562 753 574 41,912 Net charge-offs (recoveries) to average loans (annualized) (0.06 %) Allowance for loan losses to gross loans 1.86 % Allowance for loan losses to nonperforming loans 619.47 % Six months ended June 30, 2021 Commercial Consumer (dollars in thousands) Owner occupied RE Non-owner occupied RE Construction Business Real Home 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 (1,140 ) 1,050 (203 ) (1,011 ) (425 ) (552 ) 6 75 (2,200 ) Loan charge-offs - - - (268 ) - (139 ) - (8 ) (415 ) Loan recoveries 94 124 - 156 - 4 - - 378 Net loan recoveries (charge-offs) 94 124 - (112 ) - (135 ) - (8 ) (37 ) Balance, end of period $ 7,099 13,223 951 6,722 10,028 2,562 753 574 41,912 Net charge-offs to average loans (annualized) 0.00 %
Schedule of allowance for loan losses and recorded investment in loans by impairment methodology		December 31, 2021 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 623 213 836 3,435 4,728 8,163 Collectively evaluated 20,107 9,465 29,572 1,549,837 931,877 2,481,714 Total $ 20,730 9,678 30,408 1,553,272 936,605 2,489,877 June 30, 2021 Allowance for loan losses Recorded investment in loans (dollars in thousands) Commercial Consumer Total Commercial Consumer Total Individually evaluated $ 1,454 134 1,588 5,308 6,079 11,387 Collectively evaluated 26,536 13,788 40,324 1,415,635 827,113 2,242,748 Total $ 27,995 13,917 41,912 1,420,943 833,192 2,254,135
Schedule of analysis of collateral-dependent loans of the company		June 30, 2022 Real Business (dollars in thousands) estate assets Other Total Commercial Owner occupied RE $ - - - - Non-owner occupied RE 121 - - 121 Construction - - - - Business - - - - Total commercial 121 - - 121 Consumer Real estate - - - - Home equity 200 - - 200 Construction - - - - Other - - - - Total consumer 200 - - 200 Total $ 321 - - 321
Schedule of allowance for credit losses for unfunded loan commitments		Six months ended (dollars in thousands) June 30, 2022 Balance, beginning of period - Adjustment for adoption of CECL $ 2,000 Provision for loan losses 330 Balance, end of period $ 2,330

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of outstanding Financial Derivative Instruments	June 30, 2022 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 23,136 Other assets $ 250 MBS forward sales commitments 15,000 Other liabilities (31 ) Total derivative financial instruments $ 38,136 $ 219 December 31, 2021 Fair Value (dollars in thousands) Notional Balance Sheet Location Asset/(Liability) Mortgage loan interest rate lock commitments $ 32,478 Other assets $ 425 MBS forward sales commitments 21,000 Other liabilities (41 ) Total derivative financial instruments $ 53,478 $ 384

Fair Value Accounting (Tables)

Fair Value Accounting (Tables)	6 Months Ended
	Jun. 30, 2022
Fair Value Disclosures [Abstract]
Schedule of assets and liabilities measured at fair value on recurring basis	June 30, 2022 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale Corporate bonds $ - 1,981 - 1,981 US treasuries - 905 - 905 US government agencies - 11,253 - 11,253 State and political subdivisions - 19,979 - 19,979 Asset-backed securities - 7,753 - 7,753 Mortgage-backed securities - 57,120 - 57,120 Mortgage loans held for sale - 18,329 - 18,329 Mortgage loan interest rate lock commitments - 250 - 250 Total assets measured at fair value on a recurring basis $ - 117,570 - 117,570 Liabilities MBS forward sales commitments $ - 31 - 31 Total liabilities measured at fair value on a recurring basis $ - 31 - 31 December 31, 2021 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale: Corporate bonds $ - 2,188 - 2,188 US treasuries - 992 - 992 US government agencies - 14,169 - 14,169 SBA securities - 438 - 438 State and political subdivisions - 25,176 - 25,176 Asset-backed securities - 10,164 - 10,164 Mortgage-backed securities - 67,154 - 67,154 Mortgage loans held for sale - 13,556 - 13,556 Mortgage loan interest rate lock commitments - 425 - 425 Total assets measured at fair value on a recurring basis $ - 134,262 - 134,262 Liabilities MBS forward sales commitments $ - 41 - 41 Total liabilities measured at fair value on a recurring basis $ - 41 - 41
Schedule of assets and liabilities measured at fair value on nonrecurring basis	As of June 30, 2022 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Individually assessed loans $ - 321 3,688 4,009 Total assets measured at fair value on a nonrecurring basis $ - 321 3,688 4,009 As of December 31, 2021 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Impaired loans $ - 5,262 2,065 7,327 Total assets measured at fair value on a nonrecurring basis $ - 5,262 2,065 7,327
Schedule of estimated fair values of the company's financial instruments	June 30, 2022 (dollars in thousands) Carrying Fair Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 5,065 5,065 - - 5,065 Loans 1 2,804,524 2,688,356 - - 2,688,356 Financial Liabilities: Deposits 2,822,594 2,419,809 - 2,419,809 - Subordinated debentures 36,160 36,651 - 36,651 - December 31, 2021 (dollars in thousands) Carrying Fair Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 4,021 4,021 - - 4,021 Loans 1 2,451,306 2,422,621 - - 2,422,621 Financial Liabilities: Deposits 2,563,826 2,327,055 - 2,327,055 - Subordinated debentures 36,106 33,936 - 33,936 -

Leases (Tables)

Leases (Tables)	6 Months Ended
	Jun. 30, 2022
Leases Table [Abstract]
Schedule of maturities of lease liabilities	Operating (dollars in thousands) Leases 2022 $ 377 2023 1,938 2024 1,990 2025 2,045 2026 2,096 Thereafter 24,093 Total undiscounted lease payments 32,539 Discount effect of cash flows 7,263 Total lease liability $ 25,276

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	6 Months Ended
	Jun. 30, 2022
Earnings Per Share [Abstract]
Schedule of earnings per share calculation	Three months ended Six months ended (dollars in thousands, except share data) 2022 2021 2022 2021 Numerator: Net income available to common shareholders $ 7,240 10,323 15,210 20,689 Denominator: Weighted-average common shares outstanding – basic 7,957,631 7,847,516 7,944,814 7,811,217 Common stock equivalents 97,279 140,099 130,682 137,077 Weighted-average common shares outstanding – diluted 8,054,910 7,987,615 8,075,496 7,948,294 Earnings per common share: Basic $ 0.91 1.32 1.91 2.65 Diluted $ 0.90 1.29 1.88 2.60

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Details)	6 Months Ended
	Jun. 30, 2022 USD ($)
Summary of Significant Accounting Policies (Details) [Line Items]
Line of credit unused	$ 15,000,000
Allowance for loan losses	1,500,000
Liability for unfunded commitments	2,000,000
Net decrease to retained earnings	2,800,000
Accrued interest receivable on available for sale debt securities	438,000
Accrued interest receivable related to loans	7,000,000
Holding Company Line of Credit [Member]
Summary of Significant Accounting Policies (Details) [Line Items]
Line of credit unused	$ 15,000,000

Investment Securities (Details)

Investment Securities (Details) $ in Millions	Jun. 30, 2022 USD ($)	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Fair market value, less than 12 months, number of investments	76	43
Fair market value, less than 12 months	$ 65.3
Fair market value, 12 months or longer, number of investments	37
Fair market value, 12 months or longer	$ 32.7

Investment Securities (Detail_2

Investment Securities (Details) - Schedule of amortized costs and fair value of investment securities - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Available for sale
Available for sale, Amortized Cost	$ 111,830	$ 121,218
Available for sale, Gross Unrealized Gains	4	944
Available for sale, Gross Unrealized Losses	12,843	1,881
Available for sale, Fair Value	98,991	120,281
Corporate bonds [Member]
Available for sale
Available for sale, Amortized Cost	2,185	2,198
Available for sale, Gross Unrealized Gains
Available for sale, Gross Unrealized Losses	204	10
Available for sale, Fair Value	1,981	2,188
US treasuries [Member]
Available for sale
Available for sale, Amortized Cost	999	999
Available for sale, Gross Unrealized Gains
Available for sale, Gross Unrealized Losses	94	7
Available for sale, Fair Value	905	992
US Government Agencies [Member]
Available for sale
Available for sale, Amortized Cost	13,005	14,504
Available for sale, Gross Unrealized Gains		1
Available for sale, Gross Unrealized Losses	1,752	336
Available for sale, Fair Value	11,253	14,169
State and Political Subdivisions [Member]
Available for sale
Available for sale, Amortized Cost	23,071	24,887
Available for sale, Gross Unrealized Gains	4	549
Available for sale, Gross Unrealized Losses	3,096	260
Available for sale, Fair Value	19,979	25,176
Asset-backed Securities [Member]
Available for sale
Available for sale, Amortized Cost	7,922	10,136
Available for sale, Gross Unrealized Gains		45
Available for sale, Gross Unrealized Losses	169	17
Available for sale, Fair Value	7,753	10,164
Mortgage-backed securities [Member]
Available for sale
Available for sale, Amortized Cost	64,648	68,065
Available for sale, Gross Unrealized Gains		340
Available for sale, Gross Unrealized Losses	7,528	1,251
Available for sale, Fair Value	57,120	67,154
Mortgage-backed securities [Member] | FHLMC [Member]
Available for sale
Available for sale, Amortized Cost	21,809	23,057
Available for sale, Gross Unrealized Gains		102
Available for sale, Gross Unrealized Losses	2,835	494
Available for sale, Fair Value	18,974	22,665
Mortgage-backed securities [Member] | FNMA [Member]
Available for sale
Available for sale, Amortized Cost	36,865	40,924
Available for sale, Gross Unrealized Gains		235
Available for sale, Gross Unrealized Losses	4,200	660
Available for sale, Fair Value	32,665	40,499
Mortgage-backed securities [Member] | GNMA [Member]
Available for sale
Available for sale, Amortized Cost	5,974	4,084
Available for sale, Gross Unrealized Gains		3
Available for sale, Gross Unrealized Losses	493	97
Available for sale, Fair Value	$ 5,481	3,990
SBA Securities [Member]
Available for sale
Available for sale, Amortized Cost		429
Available for sale, Gross Unrealized Gains		9
Available for sale, Gross Unrealized Losses
Available for sale, Fair Value		$ 438

Investment Securities (Detail_3

Investment Securities (Details) - Schedule of fair values investment securities available for contractual maturities - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Available for sale
Contractual Maturities, Less than one year, Amount		$ 387
Contractual Maturities, Less than one year, Yield		2.10%
Contractual Maturities, One to five years, Amount	$ 6,193	$ 7,363
Contractual Maturities, One to five years, Yield	1.12%	1.03%
Contractual Maturities, Five to ten years, Amount	$ 21,680	$ 26,953
Contractual Maturities, Five to ten years, Yield	1.64%	1.53%
Contractual Maturities, Over ten years, Amount	$ 71,118	$ 85,578
Contractual Maturities, Over ten years, Yield	1.76%	1.55%
Contractual Maturities, Total, Amount	$ 98,991	$ 120,281
Contractual Maturities, Total, Yield	1.69%	1.52%
Corporate bonds [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	$ 1,981	$ 2,188
Contractual Maturities, Five to ten years, Yield	1.99%	1.98%
Contractual Maturities, Over ten years, Amount
Contractual Maturities, Over ten years, Yield
Contractual Maturities, Total, Amount	$ 1,981	$ 2,188
Contractual Maturities, Total, Yield	1.99%	1.98%
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	$ 905	$ 992
Contractual Maturities, Five to ten years, Yield	1.27%	1.27%
Contractual Maturities, Over ten years, Amount
Contractual Maturities, Over ten years, Yield
Contractual Maturities, Total, Amount	$ 905	$ 992
Contractual Maturities, Total, Yield	1.27%	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	$ 2,445	$ 2,481
Contractual Maturities, One to five years, Yield	0.83%	0.36%
Contractual Maturities, Five to ten years, Amount	$ 8,001	$ 8,756
Contractual Maturities, Five to ten years, Yield	1.49%	1.31%
Contractual Maturities, Over ten years, Amount	$ 807	$ 2,932
Contractual Maturities, Over ten years, Yield	1.48%	1.79%
Contractual Maturities, Total, Amount	$ 11,253	$ 14,169
Contractual Maturities, Total, Yield	1.34%	1.24%
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	$ 468	$ 471
Contractual Maturities, One to five years, Yield	2.13%	2.13%
Contractual Maturities, Five to ten years, Amount	$ 4,571	$ 4,282
Contractual Maturities, Five to ten years, Yield	1.62%	1.61%
Contractual Maturities, Over ten years, Amount	$ 14,940	$ 20,423
Contractual Maturities, Over ten years, Yield	2.19%	2.21%
Contractual Maturities, Total, Amount	$ 19,979	$ 25,176
Contractual Maturities, Total, Yield	2.05%	2.11%
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	$ 1,246	$ 1,614
Contractual Maturities, Five to ten years, Yield	3.33%	1.79%
Contractual Maturities, Over ten years, Amount	$ 6,507	$ 8,550
Contractual Maturities, Over ten years, Yield	2.03%	0.97%
Contractual Maturities, Total, Amount	$ 7,753	$ 10,164
Contractual Maturities, Total, Yield	2.23%	1.10%
Mortgage-backed securities [Member]
Available for sale
Contractual Maturities, Less than one year, Amount		$ 387
Contractual Maturities, Less than one year, Yield		2.10%
Contractual Maturities, One to five years, Amount	$ 3,280	$ 4,411
Contractual Maturities, One to five years, Yield	1.20%	1.29%
Contractual Maturities, Five to ten years, Amount	$ 4,976	$ 9,121
Contractual Maturities, Five to ten years, Yield	1.43%	1.59%
Contractual Maturities, Over ten years, Amount	$ 48,864	$ 53,235
Contractual Maturities, Over ten years, Yield	1.60%	1.38%
Contractual Maturities, Total, Amount	$ 57,120	$ 67,154
Contractual Maturities, Total, Yield	1.56%	1.40%
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		$ 438
Contractual Maturities, Over ten years, Yield		1.01%
Contractual Maturities, Total, Amount		$ 438
Contractual Maturities, Total, Yield		1.01%

Investment Securities (Detail_4

Investment Securities (Details) - Schedule of gross unrealized losses on investment securities and fair market value of related securities $ in Thousands	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	76	43
Available for sale Securities, Less than 12 months, Fair value	$ 65,250	$ 53,041
Available for sale Securities, Less than 12 months, Unrealized losses	$ 7,879	$ 995
Available for sale Securities, 12 months or longer, Number of investments | Investments	37	28
Available for sale Securities, 12 months or longer, Fair value	$ 32,736	$ 27,586
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 4,964	$ 886
Available for sale Securities, Total, Number of investments | Investments	113	71
Available for sale Securities, Total, Fair value	$ 97,986	$ 80,627
Available for sale Securities, Total, Unrealized losses	$ 12,843	$ 1,881
Corporate bonds [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	1	1
Available for sale Securities, Less than 12 months, Fair value	$ 1,981	$ 2,188
Available for sale Securities, Less than 12 months, Unrealized losses	$ 204	$ 10
Available for sale Securities, 12 months or longer, Number of investments | Investments
Available for sale Securities, 12 months or longer, Fair value
Available for sale Securities, 12 months or Longer, Unrealized losses
Available for sale Securities, Total, Number of investments | Investments	1	1
Available for sale Securities, Total, Fair value	$ 1,981	$ 2,188
Available for sale Securities, Total, Unrealized losses	$ 204	$ 10
US treasures [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	1	1
Available for sale Securities, Less than 12 months, Fair value	$ 905	$ 992
Available for sale Securities, Less than 12 months, Unrealized losses	$ 94	$ 7
Available for sale Securities, 12 months or longer, Number of investments | Investments
Available for sale Securities, 12 months or longer, Fair value
Available for sale Securities, 12 months or Longer, Unrealized losses
Available for sale Securities, Total, Number of investments | Investments	1	1
Available for sale Securities, Total, Fair value	$ 905	$ 992
Available for sale Securities, Total, Unrealized losses	$ 94	$ 7
US government agencies [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	4	7
Available for sale Securities, Less than 12 months, Fair value	$ 6,069	$ 9,831
Available for sale Securities, Less than 12 months, Unrealized losses	$ 942	$ 173
Available for sale Securities, 12 months or longer, Number of investments | Investments	6	4
Available for sale Securities, 12 months or longer, Fair value	$ 5,184	$ 3,837
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 810	$ 163
Available for sale Securities, Total, Number of investments | Investments	10	11
Available for sale Securities, Total, Fair value	$ 11,253	$ 13,668
Available for sale Securities, Total, Unrealized losses	$ 1,752	$ 336
State and political subdivisions [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	22	9
Available for sale Securities, Less than 12 months, Fair value	$ 15,137	$ 7,821
Available for sale Securities, Less than 12 months, Unrealized losses	$ 2,194	$ 193
Available for sale Securities, 12 months or longer, Number of investments | Investments	9	6
Available for sale Securities, 12 months or longer, Fair value	$ 4,601	$ 2,909
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 902	$ 67
Available for sale Securities, Total, Number of investments | Investments	31	15
Available for sale Securities, Total, Fair value	$ 19,738	$ 10,730
Available for sale Securities, Total, Unrealized losses	$ 3,096	$ 260
Asset-backed [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	6	2
Available for sale Securities, Less than 12 months, Fair value	$ 5,496	$ 1,751
Available for sale Securities, Less than 12 months, Unrealized losses	$ 126	$ 9
Available for sale Securities, 12 months or longer, Number of investments | Investments	2	2
Available for sale Securities, 12 months or longer, Fair value	$ 1,502	$ 1,717
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 43	$ 7
Available for sale Securities, Total, Number of investments | Investments	8	4
Available for sale Securities, Total, Fair value	$ 6,998	$ 3,468
Available for sale Securities, Total, Unrealized losses	$ 169	$ 16
FHLMC [Member] | Mortgage-backed securities [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	14	10
Available for sale Securities, Less than 12 months, Fair value	$ 14,335	$ 13,705
Available for sale Securities, Less than 12 months, Unrealized losses	$ 1,990	$ 303
Available for sale Securities, 12 months or longer, Number of investments | Investments	5	4
Available for sale Securities, 12 months or longer, Fair value	$ 4,640	$ 4,644
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 845	$ 192
Available for sale Securities, Total, Number of investments | Investments	19	14
Available for sale Securities, Total, Fair value	$ 18,975	$ 18,349
Available for sale Securities, Total, Unrealized losses	$ 2,835	$ 495
FNMA [Member] | Mortgage-backed securities [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	24	11
Available for sale Securities, Less than 12 months, Fair value	$ 17,522	$ 16,098
Available for sale Securities, Less than 12 months, Unrealized losses	$ 2,028	$ 296
Available for sale Securities, 12 months or longer, Number of investments | Investments	12	9
Available for sale Securities, 12 months or longer, Fair value	$ 15,133	$ 11,264
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 2,172	$ 364
Available for sale Securities, Total, Number of investments | Investments	36	20
Available for sale Securities, Total, Fair value	$ 32,655	$ 27,362
Available for sale Securities, Total, Unrealized losses	$ 4,200	$ 660
GNMA [Member] | Mortgage-backed securities [Member]
Available for sale
Available for sale Securities, Less than 12 months, Number of investments | Investments	4	2
Available for sale Securities, Less than 12 months, Fair value	$ 3,805	$ 655
Available for sale Securities, Less than 12 months, Unrealized losses	$ 301	$ 4
Available for sale Securities, 12 months or longer, Number of investments | Investments	3	3
Available for sale Securities, 12 months or longer, Fair value	$ 1,676	$ 3,215
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 192	$ 93
Available for sale Securities, Total, Number of investments | Investments	7	5
Available for sale Securities, Total, Fair value	$ 5,481	$ 3,870
Available for sale Securities, Total, Unrealized losses	$ 493	$ 97

Investment Securities (Detail_5

Investment Securities (Details) - Schedule of other investments - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Schedule of other investments [Abstract]
Federal Home Loan Bank stock	$ 3,632	$ 1,241
Other nonmarketable investments	1,030	2,377
Investment in Trust Preferred subsidiaries	403	403
Total other investments	$ 5,065	$ 4,021

Mortgage Loans Held for Sale (D

Mortgage Loans Held for Sale (Details) - USD ($) $ in Millions	Jun. 30, 2022	Dec. 31, 2021
Mortgage Loans Held For Sale [Abstract]
Mortgage loans held for sale, fair value	$ 18.3	$ 13.6

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses (Details) - USD ($) $ in Millions	Jun. 30, 2022	Dec. 31, 2021
Loans and Allowance for Credit Losses (Details) [Line Items]
Net of deferred loan fees and costs (in Dollars)	$ 6.2	$ 5
Part of loans of 30 days or more past due as a percentage of total loan portfolio	0.10%	0.09%
Allowance for credit losses for loan commitments (in Dollars)	$ 2.3
Commercial Loan [Member]
Loans and Allowance for Credit Losses (Details) [Line Items]
Part of loans of 30 days or more past due as a percentage of total loan portfolio	0.01%	0%
Consumer Loan [Member]
Loans and Allowance for Credit Losses (Details) [Line Items]
Part of loans of 30 days or more past due as a percentage of total loan portfolio	0.09%	0.09%

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses (Details) - Schedule of composition of our loan portfolio - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Consumer
Total gross loans, net of deferred fees	$ 2,845,205	$ 2,489,877
Total gross loans, net of deferred fees	$ 2,845,205	$ 2,489,877
Total gross loans, net of deferred fees	100%	100%
Less—allowance for credit losses	$ (34,192)	$ (30,408)
Total loans, net	2,811,013	2,459,469
Commercial Loan [Member]
Commercial
Total gross loans, net of deferred fees	$ 1,767,209	$ 1,553,272
Total gross loans, net of deferred fees	62.20%	62.40%
Consumer
Total gross loans, net of deferred fees	$ 1,767,209	$ 1,553,272
Commercial Loan [Member] | Construction [Member]
Commercial
Total gross loans, net of deferred fees	$ 84,612	$ 64,425
Total gross loans, net of deferred fees	3%	2.60%
Consumer
Total gross loans, net of deferred fees	$ 84,612	$ 64,425
Commercial Loan [Member] | Business [Member]
Commercial
Total gross loans, net of deferred fees	$ 389,790	$ 333,049
Total gross loans, net of deferred fees	13.70%	13.40%
Consumer
Total gross loans, net of deferred fees	$ 389,790	$ 333,049
Consumer Loan [Member]
Consumer
Total gross loans, net of deferred fees	$ 1,077,996	$ 936,605
Total gross loans, net of deferred fees	37.80%	37.60%
Consumer Loan [Member] | Construction [Member]
Consumer
Total gross loans, net of deferred fees	$ 76,878	$ 59,846
Total gross loans, net of deferred fees	2.70%	2.40%
Consumer Loan [Member] | Real estate [Member]
Consumer
Total gross loans, net of deferred fees	$ 812,130	$ 694,401
Total gross loans, net of deferred fees	28.50%	27.90%
Consumer Loan [Member] | Home equity [Member]
Consumer
Total gross loans, net of deferred fees	$ 161,512	$ 154,839
Total gross loans, net of deferred fees	5.60%	6.20%
Consumer Loan [Member] | Other [Member]
Consumer
Total gross loans, net of deferred fees	$ 27,476	$ 27,519
Total gross loans, net of deferred fees	1%	1.10%
Owner occupied RE [Member] | Commercial Loan [Member]
Commercial
Total gross loans, net of deferred fees	$ 551,544	$ 488,965
Total gross loans, net of deferred fees	19.40%	19.60%
Consumer
Total gross loans, net of deferred fees	$ 551,544	$ 488,965
Non-owner occupied RE [Member] | Commercial Loan [Member]
Commercial
Total gross loans, net of deferred fees	$ 741,263	$ 666,833
Total gross loans, net of deferred fees	26.10%	26.80%
Consumer
Total gross loans, net of deferred fees	$ 741,263	$ 666,833

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses (Details) - Schedule of loan maturity distribution by type and related interest rate - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Commercial
One year or less	$ 149,043	$ 161,868
After one but within five years	733,352	701,494
After five but within fifteen years	1,255,826	1,018,275
After fifteen years	706,984	608,240
Total	2,845,205	2,489,877
Commercial [Member]
Commercial
One year or less	134,504	136,026
After one but within five years	647,659	618,690
After five but within fifteen years	898,798	717,896
After fifteen years	86,248	80,660
Total	1,767,209	1,553,272
Commercial [Member] | Construction [Member]
Commercial
One year or less	4,763	4,882
After one but within five years	23,348	16,393
After five but within fifteen years	44,728	29,310
After fifteen years	11,773	13,840
Total	84,612	64,425
Commercial [Member] | Business [Member]
Commercial
One year or less	77,526	66,833
After one but within five years	159,130	152,732
After five but within fifteen years	148,909	109,008
After fifteen years	4,225	4,476
Total	389,790	333,049
Consumer [Member]
Commercial
One year or less	14,539	25,842
After one but within five years	85,693	82,804
After five but within fifteen years	357,028	300,379
After fifteen years	620,736	527,580
Total	1,077,996	936,605
Consumer [Member] | Construction [Member]
Commercial
One year or less	1,102	961
After one but within five years	591	594
After five but within fifteen years	14,226	8,956
After fifteen years	60,959	49,335
Total	76,878	59,846
Consumer [Member] | Other [Member]
Commercial
One year or less	3,867	8,071
After one but within five years	19,360	15,711
After five but within fifteen years	3,461	3,341
After fifteen years	788	396
Total	27,476	27,519
Owner occupied RE [Member] | Commercial [Member]
Commercial
One year or less	13,891	16,858
After one but within five years	117,631	120,480
After five but within fifteen years	377,520	316,261
After fifteen years	42,502	35,366
Total	551,544	488,965
Non-owner occupied RE [Member] | Commercial [Member]
Commercial
One year or less	38,324	47,453
After one but within five years	347,550	329,085
After five but within fifteen years	327,641	263,317
After fifteen years	27,748	26,978
Total	741,263	666,833
Real estate [Member] | Consumer [Member]
Commercial
One year or less	8,016	14,632
After one but within five years	43,504	45,219
After five but within fifteen years	207,090	162,655
After fifteen years	553,520	471,895
Total	812,130	694,401
Home equity [Member] | Consumer [Member]
Commercial
One year or less	1,554	2,178
After one but within five years	22,238	21,280
After five but within fifteen years	132,251	125,427
After fifteen years	5,469	5,954
Total	$ 161,512	$ 154,839

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses (Details) - Schedule of composition of gross loans by rate type - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Commercial [Member] | Owner occupied RE [Member] | Fixed [Member]
Commercial
Interest Rate, Fixed	$ 534,364	$ 463,589
Commercial [Member] | Owner occupied RE [Member] | Floating or Adjustable [Member]
Commercial
Interest Rate, Floating or Adjustable	3,289	8,518
Commercial [Member] | Non-owner occupied RE [Member] | Fixed [Member]
Commercial
Interest Rate, Fixed	631,885	533,565
Commercial [Member] | Non-owner occupied RE [Member] | Floating or Adjustable [Member]
Commercial
Interest Rate, Floating or Adjustable	71,054	85,815
Commercial [Member] | Construction [Member] | Fixed [Member]
Commercial
Interest Rate, Fixed	74,537	57,139
Commercial [Member] | Construction [Member] | Floating or Adjustable [Member]
Commercial
Interest Rate, Floating or Adjustable	5,312	2,404
Commercial [Member] | Business [Member] | Fixed [Member]
Commercial
Interest Rate, Fixed	240,839	191,522
Commercial [Member] | Business [Member] | Floating or Adjustable [Member]
Commercial
Interest Rate, Floating or Adjustable	71,425	74,694
Commercial [Member] | Total commercial loans [Member] | Fixed [Member]
Commercial
Interest Rate, Fixed	1,481,625	1,245,815
Commercial [Member] | Total commercial loans [Member] | Floating or Adjustable [Member]
Commercial
Interest Rate, Floating or Adjustable	151,080	171,431
Consumer [Member] | Fixed [Member]
Commercial
Interest Rate, Fixed	909,346	764,710
Interest Rate, Fixed total gross loan, net of deferred fees	2,390,971	2,010,525
Consumer [Member] | Floating or Adjustable [Member]
Commercial
Interest Rate, Floating or Adjustable	154,111	146,052
Interest Rate, Floating or Adjustable total gross loan, net of deferred fees	305,191	317,483
Consumer [Member] | Construction [Member] | Fixed [Member]
Commercial
Interest Rate, Fixed	75,776	58,884
Consumer [Member] | Real Estate [Member] | Fixed [Member]
Commercial
Interest Rate, Fixed	804,102	679,756
Consumer [Member] | Real Estate [Member] | Floating or Adjustable [Member]
Commercial
Interest Rate, Floating or Adjustable	12	13
Consumer [Member] | Home Equity Loan [Member] | Fixed [Member]
Commercial
Interest Rate, Fixed	11,946	12,850
Consumer [Member] | Home Equity Loan [Member] | Floating or Adjustable [Member]
Commercial
Interest Rate, Floating or Adjustable	148,012	139,811
Consumer [Member] | Other [Member] | Fixed [Member]
Commercial
Interest Rate, Fixed	17,522	13,220
Consumer [Member] | Other [Member] | Floating or Adjustable [Member]
Commercial
Interest Rate, Floating or Adjustable	$ 6,087	$ 6,228

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category $ in Thousands	Jun. 30, 2022 USD ($)
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	$ 468,104
2021	738,879
2020	465,818
2019	275,076
2018	203,937
Prior	394,112
Revolving	298,471
Revolving Converted to Term	808
Total	2,845,205
Commercial [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	302,224
2021	430,954
2020	254,525
2019	193,477
2018	160,895
Prior	301,211
Revolving	123,115
Revolving Converted to Term	808
Total	1,767,209
Commercial [Member] | Construction [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	17,630
2021	54,916
2020	8,762
2019	2,771
Prior	533
Revolving
Revolving Converted to Term
Total	84,612
Commercial [Member] | Construction [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	17,630
2021	54,916
2020	8,762
2019	2,771
Prior	533
Revolving
Revolving Converted to Term
Total	84,612
Commercial [Member] | Construction [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020
2019
2018
Prior
Revolving
Revolving Converted to Term
Total
Commercial [Member] | Construction [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020
2019
2018
Prior
Revolving
Revolving Converted to Term
Total
Commercial [Member] | Business [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	64,493
2021	65,669
2020	36,721
2019	26,069
2018	37,716
Prior	35,802
Revolving	122,512
Revolving Converted to Term	808
Total	389,790
Commercial [Member] | Business [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	63,532
2021	65,669
2020	35,262
2019	25,887
2018	37,371
Prior	34,691
Revolving	122,374
Revolving Converted to Term	625
Total	385,411
Commercial [Member] | Business [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	961
2020	394
2019
2018
Prior	165
Revolving	113
Revolving Converted to Term	183
Total	1,816
Commercial [Member] | Business [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020	1,065
2019	182
2018	345
Prior	946
Revolving	25
Revolving Converted to Term
Total	2,563
Consumer [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	165,880
2021	307,925
2020	211,293
2019	81,599
2018	43,042
Prior	92,901
Revolving	175,356
Revolving Converted to Term
Total	1,077,996
Consumer [Member] | Construction [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	19,945
2021	42,828
2020	13,799
2019	306
2018
Prior
Revolving
Revolving Converted to Term
Total	76,878
Consumer [Member] | Construction [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	19,945
2021	42,828
2020	13,799
2019
2018
Prior
Revolving
Revolving Converted to Term
Total	76,572
Consumer [Member] | Construction [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020
2019	306
2018
Prior
Revolving
Revolving Converted to Term
Total	306
Consumer [Member] | Construction [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020
2019
2018
Prior
Revolving
Revolving Converted to Term
Total
Consumer [Member] | Real estate [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	143,204
2021	262,391
2020	195,411
2019	79,472
2018	42,347
Prior	89,305
Revolving
Revolving Converted to Term
Total	812,130
Consumer [Member] | Real estate [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	143,204
2021	260,391
2020	193,806
2019	77,863
2018	41,377
Prior	86,659
Revolving
Revolving Converted to Term
Total	803,300
Consumer [Member] | Real estate [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2021	1,105
2020	1,376
2019	1,191
2018	564
Prior	1,094
Revolving
Revolving Converted to Term
Total	5,330
Consumer [Member] | Real estate [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2021	895
2020	229
2019	418
2018	406
Prior	1,552
Revolving
Revolving Converted to Term
Total	3,500
Consumer [Member] | Home equity [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020
2019
2018
Prior
Revolving	161,512
Revolving Converted to Term
Total	161,512
Consumer [Member] | Home equity [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020
2019
2018
Prior
Revolving	156,910
Revolving Converted to Term
Total	156,910
Consumer [Member] | Home equity [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020
2019
2018
Prior
Revolving	2,122
Revolving Converted to Term
Total	2,122
Consumer [Member] | Home equity [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020
2019
2018
Prior
Revolving	2,480
Revolving Converted to Term
Total	2,480
Consumer [Member] | Other [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	2,731
2021	2,706
2020	2,083
2019	1,821
2018	695
Prior	3,596
Revolving	13,844
Revolving Converted to Term
Total	27,476
Consumer [Member] | Other [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	2,726
2021	2,706
2020	2,076
2019	1,778
2018	639
Prior	3,590
Revolving	13,801
Revolving Converted to Term
Total	27,316
Consumer [Member] | Other [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	5
2021
2020	7
2019	34
2018	56
Prior	6
Revolving	32
Revolving Converted to Term
Total	140
Consumer [Member] | Other [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020
2019	9
2018
Prior
Revolving	11
Revolving Converted to Term
Total	20
Owner occupied RE [Member] | Commercial [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	84,469
2021	134,665
2020	91,030
2019	75,694
2018	38,193
Prior	127,493
Revolving
Revolving Converted to Term
Total	551,544
Owner occupied RE [Member] | Commercial [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	84,469
2021	134,506
2020	90,382
2019	75,694
2018	37,899
Prior	127,229
Revolving
Revolving Converted to Term
Total	550,179
Owner occupied RE [Member] | Commercial [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021	159
2020
2019
2018
Prior	156
Revolving
Revolving Converted to Term
Total	315
Owner occupied RE [Member] | Commercial [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021
2020	648
2019
2018	294
Prior	108
Revolving
Revolving Converted to Term
Total	1,050
Non-owner occupied RE [Member] | Commercial [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	135,632
2021	175,704
2020	118,012
2019	88,943
2018	84,986
Prior	137,383
Revolving	603
Revolving Converted to Term
Total	741,263
Non-owner occupied RE [Member] | Commercial [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022	135,632
2021	175,361
2020	118,012
2019	74,974
2018	79,186
Prior	130,248
Revolving	603
Revolving Converted to Term
Total	714,016
Non-owner occupied RE [Member] | Commercial [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021	204
2020
2019	310
2018	5,494
Prior	5,533
Revolving
Revolving Converted to Term
Total	11,541
Non-owner occupied RE [Member] | Commercial [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of breakdown of outstanding loans by risk category [Line Items]
2022
2021	139
2020
2019	13,659
2018	306
Prior	1,602
Revolving
Revolving Converted to Term
Total	$ 15,706

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories $ in Thousands	Dec. 31, 2021 USD ($)
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	$ 2,489,877
Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	2,390,565
Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	57,576
Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	41,736
Commercial [Member] | Owner Occupied RE [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	488,965
Commercial [Member] | Owner Occupied RE [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	487,422
Commercial [Member] | Owner Occupied RE [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	327
Commercial [Member] | Owner Occupied RE [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	1,216
Commercial [Member] | Non-Owner Occupied RE [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	666,833
Commercial [Member] | Non-Owner Occupied RE [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	589,280
Commercial [Member] | Non-Owner Occupied RE [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	48,310
Commercial [Member] | Non-Owner Occupied RE [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	29,243
Commercial [Member] | Construction [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	64,425
Commercial [Member] | Construction [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	64,425
Commercial [Member] | Construction [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total
Commercial [Member] | Construction [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total
Commercial [Member] | Business [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	333,049
Commercial [Member] | Business [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	328,371
Commercial [Member] | Business [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	1,530
Commercial [Member] | Business [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	3,148
Consumer [Member] | Real Estate [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	694,401
Consumer [Member] | Real Estate [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	684,923
Consumer [Member] | Real Estate [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	4,294
Consumer [Member] | Real Estate [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	5,184
Consumer [Member] | Home Equity [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	154,839
Consumer [Member] | Home Equity [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	148,933
Consumer [Member] | Home Equity [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	2,986
Consumer [Member] | Home Equity [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	2,920
Consumer [Member] | Construction [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	59,846
Consumer [Member] | Construction [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	59,846
Consumer [Member] | Construction [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total
Consumer [Member] | Construction [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total
Consumer [Member] | Other [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	27,519
Consumer [Member] | Other [Member] | Pass [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	27,365
Consumer [Member] | Other [Member] | Special Mention [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	129
Consumer [Member] | Other [Member] | Substandard [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of presents loan balances classified by credit quality indicators and loan categories [Line Items]
Total	$ 25

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses (Details) - Schedule of loan balances by payment - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Consumer
Total loan balances by payment	$ 2,845,205	$ 2,489,877
Owner Occupied RE [Member]
Commercial
Total loan balances by payment	551,544	488,965
Non-Owner Occupied RE [Member]
Commercial
Total loan balances by payment	741,263	666,833
Construction [Member]
Commercial
Total loan balances by payment	84,612	64,425
Business [Member]
Commercial
Total loan balances by payment	389,790	333,049
Real Estate [Member]
Consumer
Total loan balances by payment	812,130	694,401
Home Equity [Member]
Consumer
Total loan balances by payment	161,512	154,839
Construction [Member]
Consumer
Total loan balances by payment	76,878	59,846
Other [Member]
Consumer
Total loan balances by payment	27,476	27,519
Accruing 30-59 Days Past Due [Member]
Consumer
Total loan balances by payment	573	558
Accruing 30-59 Days Past Due [Member] | Owner Occupied RE [Member]
Commercial
Total loan balances by payment
Accruing 30-59 Days Past Due [Member] | Non-Owner Occupied RE [Member]
Commercial
Total loan balances by payment
Accruing 30-59 Days Past Due [Member] | Construction [Member]
Commercial
Total loan balances by payment
Accruing 30-59 Days Past Due [Member] | Business [Member]
Commercial
Total loan balances by payment	91
Accruing 30-59 Days Past Due [Member] | Real Estate [Member]
Consumer
Total loan balances by payment	482	136
Accruing 30-59 Days Past Due [Member] | Home Equity [Member]
Consumer
Total loan balances by payment		417
Accruing 30-59 Days Past Due [Member] | Construction [Member]
Consumer
Total loan balances by payment
Accruing 30-59 Days Past Due [Member] | Other [Member]
Consumer
Total loan balances by payment		5
Accruing 60-89 Days Past Due [Member]
Consumer
Total loan balances by payment	697	174
Accruing 60-89 Days Past Due [Member] | Owner Occupied RE [Member]
Commercial
Total loan balances by payment
Accruing 60-89 Days Past Due [Member] | Non-Owner Occupied RE [Member]
Commercial
Total loan balances by payment
Accruing 60-89 Days Past Due [Member] | Construction [Member]
Commercial
Total loan balances by payment
Accruing 60-89 Days Past Due [Member] | Business [Member]
Commercial
Total loan balances by payment
Accruing 60-89 Days Past Due [Member] | Real Estate [Member]
Consumer
Total loan balances by payment	697
Accruing 60-89 Days Past Due [Member] | Home Equity [Member]
Consumer
Total loan balances by payment		174
Accruing 60-89 Days Past Due [Member] | Construction [Member]
Consumer
Total loan balances by payment
Accruing 60-89 Days Past Due [Member] | Other [Member]
Consumer
Total loan balances by payment
Accruing 90 Days Or More Past Due [Member]
Consumer
Total loan balances by payment
Accruing 90 Days Or More Past Due [Member] | Owner Occupied RE [Member]
Commercial
Total loan balances by payment
Accruing 90 Days Or More Past Due [Member] | Non-Owner Occupied RE [Member]
Commercial
Total loan balances by payment
Accruing 90 Days Or More Past Due [Member] | Construction [Member]
Commercial
Total loan balances by payment
Accruing 90 Days Or More Past Due [Member] | Business [Member]
Commercial
Total loan balances by payment
Accruing 90 Days Or More Past Due [Member] | Real Estate [Member]
Consumer
Total loan balances by payment
Accruing 90 Days Or More Past Due [Member] | Home Equity [Member]
Consumer
Total loan balances by payment
Accruing 90 Days Or More Past Due [Member] | Construction [Member]
Consumer
Total loan balances by payment
Accruing 90 Days Or More Past Due [Member] | Other [Member]
Consumer
Total loan balances by payment
Nonaccrual Loans [Member]
Consumer
Total loan balances by payment	2,931	4,864
Nonaccrual Loans [Member] | Owner Occupied RE [Member]
Commercial
Total loan balances by payment
Nonaccrual Loans [Member] | Non-Owner Occupied RE [Member]
Commercial
Total loan balances by payment	981	1,069
Nonaccrual Loans [Member] | Construction [Member]
Commercial
Total loan balances by payment
Nonaccrual Loans [Member] | Business [Member]
Commercial
Total loan balances by payment
Nonaccrual Loans [Member] | Real Estate [Member]
Consumer
Total loan balances by payment	552	1,750
Nonaccrual Loans [Member] | Home Equity [Member]
Consumer
Total loan balances by payment	1,398	2,045
Nonaccrual Loans [Member] | Construction [Member]
Consumer
Total loan balances by payment
Nonaccrual Loans [Member] | Other [Member]
Consumer
Total loan balances by payment
Accruing Current [Member]
Consumer
Total loan balances by payment	2,839,806	2,484,281
Accruing Current [Member] | Owner Occupied RE [Member]
Commercial
Total loan balances by payment	551,544	488,965
Accruing Current [Member] | Non-Owner Occupied RE [Member]
Commercial
Total loan balances by payment	740,282	665,764
Accruing Current [Member] | Construction [Member]
Commercial
Total loan balances by payment	84,612	64,425
Accruing Current [Member] | Business [Member]
Commercial
Total loan balances by payment	389,699	333,049
Accruing Current [Member] | Real Estate [Member]
Consumer
Total loan balances by payment	810,399	692,515
Accruing Current [Member] | Home Equity [Member]
Consumer
Total loan balances by payment	160,114	152,203
Accruing Current [Member] | Construction [Member]
Consumer
Total loan balances by payment	76,878	59,846
Accruing Current [Member] | Other [Member]
Consumer
Total loan balances by payment	$ 27,476	$ 27,514

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses (Details) - Schedule of nonperforming assets, including nonaccruing TDRs - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Schedule of nonperforming assets, including nonaccruing TDRs [Abstract]
Nonaccrual loans	$ 642
Nonaccruing TDRs	2,289	2,952
Total nonaccrual loans, including nonaccruing TDRs	2,931	4,864
Other real estate owned
Total nonperforming assets	$ 2,931	$ 4,864
Nonperforming assets as a percentage of:
Total assets	0.09%	0.17%
Gross loans	0.10%	0.20%
Total loans over 90 days past due		$ 554
Loans over 90 days past due and still accruing
Accruing troubled debt restructurings	$ 3,558	$ 3,299

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses (Details) - Schedule of nonaccrual loans by major categories - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
CECL [Member] | Nonaccrual Loans With No Allowance [Member]
Commercial
Total commercial	$ 121
Consumer
Total consumer	200
Total	321
CECL [Member] | Nonaccrual Loans With No Allowance [Member] | Owner Occupied RE [Member]
Commercial
Total commercial
CECL [Member] | Nonaccrual Loans With No Allowance [Member] | Non-Owner Occupied RE [Member]
Commercial
Total commercial	121
CECL [Member] | Nonaccrual Loans With No Allowance [Member] | Construction [Member]
Commercial
Total commercial
Consumer
Total consumer
CECL [Member] | Nonaccrual Loans With No Allowance [Member] | Business [Member]
Commercial
Total commercial
CECL [Member] | Nonaccrual Loans With No Allowance [Member] | Home Equity [Member]
Consumer
Total consumer	200
CECL [Member] | Nonaccrual Loans With No Allowance [Member] | Other [Member]
Consumer
Total consumer
CECL [Member] | Nonaccrual Loans With An Allowance [Member]
Commercial
Total commercial	860
Consumer
Total consumer	1,750
Total	2,610
CECL [Member] | Nonaccrual Loans With An Allowance [Member] | Owner Occupied RE [Member]
Commercial
Total commercial
CECL [Member] | Nonaccrual Loans With An Allowance [Member] | Non-Owner Occupied RE [Member]
Commercial
Total commercial	860
CECL [Member] | Nonaccrual Loans With An Allowance [Member] | Construction [Member]
Commercial
Total commercial
Consumer
Total consumer
CECL [Member] | Nonaccrual Loans With An Allowance [Member] | Business [Member]
Commercial
Total commercial
CECL [Member] | Nonaccrual Loans With An Allowance [Member] | Real Estate [Member]
Consumer
Total consumer	552
CECL [Member] | Nonaccrual Loans With An Allowance [Member] | Home Equity [Member]
Consumer
Total consumer	1,198
CECL [Member] | Nonaccrual Loans With An Allowance [Member] | Other [Member]
Consumer
Total consumer
CECL [Member] | Total Nonaccrual Loans [Member]
Commercial
Total commercial	981
Consumer
Total consumer	1,950
Total	2,931
CECL [Member] | Total Nonaccrual Loans [Member] | Owner Occupied RE [Member]
Commercial
Total commercial
CECL [Member] | Total Nonaccrual Loans [Member] | Non-Owner Occupied RE [Member]
Commercial
Total commercial	981
CECL [Member] | Total Nonaccrual Loans [Member] | Construction [Member]
Commercial
Total commercial
Consumer
Total consumer
CECL [Member] | Total Nonaccrual Loans [Member] | Business [Member]
Commercial
Total commercial
CECL [Member] | Total Nonaccrual Loans [Member] | Real Estate [Member]
Consumer
Total consumer	552
CECL [Member] | Total Nonaccrual Loans [Member] | Home Equity [Member]
Consumer
Total consumer	1,398
CECL [Member] | Total Nonaccrual Loans [Member] | Other [Member]
Consumer
Total consumer
Incurred Loss [Member] | Total Nonaccrual Loans [Member]
Commercial
Total commercial		$ 1,070
Consumer
Total consumer		3,794
Total		4,864
Incurred Loss [Member] | Total Nonaccrual Loans [Member] | Owner Occupied RE [Member]
Commercial
Total commercial
Incurred Loss [Member] | Total Nonaccrual Loans [Member] | Non-Owner Occupied RE [Member]
Commercial
Total commercial		1,070
Incurred Loss [Member] | Total Nonaccrual Loans [Member] | Construction [Member]
Commercial
Total commercial
Consumer
Total consumer
Incurred Loss [Member] | Total Nonaccrual Loans [Member] | Real Estate [Member]
Consumer
Total consumer		1,750
Incurred Loss [Member] | Total Nonaccrual Loans [Member] | Home Equity [Member]
Consumer
Total consumer		$ 2,044

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans $ in Thousands	Dec. 31, 2021 USD ($)
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance	$ 9,344
Impaired loans	8,163
Impaired loans with no related allowance for credit losses	5,263
Impaired loans with related allowance for credit losses	2,900
Related allowance for credit losses	836
Commercial [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance	4,377
Impaired loans	3,435
Impaired loans with no related allowance for credit losses	1,531
Impaired loans with related allowance for credit losses	1,904
Related allowance for credit losses	623
Commercial [Member] | Construction [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance
Impaired loans
Impaired loans with no related allowance for credit losses
Impaired loans with related allowance for credit losses
Related allowance for credit losses
Commercial [Member] | Owner occupied RE [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance	1,261
Impaired loans	1,261
Impaired loans with no related allowance for credit losses	1,261
Impaired loans with related allowance for credit losses
Related allowance for credit losses
Commercial [Member] | Non-owner occupied RE [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance	2,012
Impaired loans	1,070
Impaired loans with no related allowance for credit losses	270
Impaired loans with related allowance for credit losses	800
Related allowance for credit losses	171
Commercial [Member] | Business [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance	1,104
Impaired loans	1,104
Impaired loans with no related allowance for credit losses
Impaired loans with related allowance for credit losses	1,104
Related allowance for credit losses	452
Consumer [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance	4,967
Impaired loans	4,728
Impaired loans with no related allowance for credit losses	3,732
Impaired loans with related allowance for credit losses	996
Related allowance for credit losses	213
Consumer [Member] | Construction [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance
Impaired loans
Impaired loans with no related allowance for credit losses
Impaired loans with related allowance for credit losses
Related allowance for credit losses
Consumer [Member] | Real estate [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance	2,638
Impaired loans	2,561
Impaired loans with no related allowance for credit losses	1,743
Impaired loans with related allowance for credit losses	818
Related allowance for credit losses	144
Consumer [Member] | Home equity [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance	2,206
Impaired loans	2,044
Impaired loans with no related allowance for credit losses	1,989
Impaired loans with related allowance for credit losses	55
Related allowance for credit losses	55
Consumer [Member] | Other [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of key information for impaired loans [Line Items]
Unpaid Principal Balance	123
Impaired loans	123
Impaired loans with no related allowance for credit losses
Impaired loans with related allowance for credit losses	123
Related allowance for credit losses	$ 14

Loans and Allowance for Cred_13

Loans and Allowance for Credit Losses (Details) - Schedule of average recorded investment and interest income recognized on impaired loans - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Average Recorded Investment [Member] | Owner Occupied Re [Member]
Commercial
Average recorded investment total commercial	$ 1,247	$ 1,379
Average Recorded Investment [Member] | Non-owner occupied RE [Member]
Commercial
Average recorded investment total commercial	874	2,073	$ 896	$ 2,111	$ 3,128
Average Recorded Investment [Member] | Construction [Member]
Commercial
Average recorded investment total commercial		68		91	55
Consumer
Average recorded investment, total consumer
Average Recorded Investment [Member] | Business [Member]
Commercial
Average recorded investment total commercial	1,051	2,118	1,070	2,229	2,218
Average Recorded Investment [Member] | Total Commercial [Member]
Commercial
Average recorded investment total commercial	3,172	5,638	3,219	5,900	6,788
Average Recorded Investment [Member] | Real Estate [Member]
Consumer
Average recorded investment, total consumer	1,908	4,337	2,045	4,235	3,641
Average Recorded Investment [Member] | Home Equity [Member]
Consumer
Average recorded investment, total consumer	1,611	1,679	1,621	1,910	1,964
Average Recorded Investment [Member] | Other [Member]
Consumer
Average recorded investment, total consumer	118	131	120	132	129
Average Recorded Investment [Member] | Total consumer [Member]
Consumer
Average recorded investment, total consumer	3,637	6,147	3,786	6,277	5,734
Average Recorded Investment [Member] | Total gross loans [Member]
Consumer
Average recorded investment, total consumer	6,809	11,785	7,005	12,177	12,522
Average Recorded Investment [Member] | Owner occupied RE [Member]
Commercial
Average recorded investment total commercial			1,253	1,469	1,387
Recognized Interest Income [Member] | Owner Occupied Re [Member]
Commercial
Recognized interest income total commercial	11	16
Recognized Interest Income [Member] | Non-owner occupied RE [Member]
Commercial
Recognized interest income total commercial	36	32	78	94	182
Recognized Interest Income [Member] | Construction [Member]
Commercial
Recognized interest income total commercial				2
Consumer
Average recorded investment, total consumer
Recognized Interest Income [Member] | Business [Member]
Commercial
Recognized interest income total commercial	10	20	28	54	62
Recognized Interest Income [Member] | Total Commercial [Member]
Commercial
Recognized interest income total commercial	57	68	138	182	309
Recognized Interest Income [Member] | Real Estate [Member]
Consumer
Average recorded investment, total consumer	17	60	39	103	98
Recognized Interest Income [Member] | Home Equity [Member]
Consumer
Average recorded investment, total consumer	(3)	18	21	34	85
Recognized Interest Income [Member] | Other [Member]
Consumer
Average recorded investment, total consumer	1	1	2	2	4
Recognized Interest Income [Member] | Total consumer [Member]
Consumer
Average recorded investment, total consumer	15	79	62	139	187
Recognized Interest Income [Member] | Total gross loans [Member]
Consumer
Average recorded investment, total consumer	$ 72	$ 147	200	321	496
Recognized Interest Income [Member] | Owner occupied RE [Member]
Commercial
Recognized interest income total commercial			$ 32	$ 32	$ 65

Loans and Allowance for Cred_14

Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Commercial [Member] | Owner Occupied RE [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments [Line Items]
Balance, beginning of period	$ 4,898		$ 4,700	$ 8,145
Balance, end of period	4,829	$ 7,099	4,829	7,099
Adjustment for CECL			(313)
Provision for credit losses	(69)		442	(1,140)
Loan charge-offs
Loan recoveries				94
Net loan recoveries (charge-offs)				94
Commercial [Member] | Non-Owner Occupied RE [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments [Line Items]
Balance, beginning of period	9,973	15,195	10,518	12,049
Balance, end of period	10,010	13,223	10,010	13,223
Adjustment for CECL			333
Provision for credit losses	37	(2,096)	(841)	1,050
Loan charge-offs
Loan recoveries		124		124
Net loan recoveries (charge-offs)		124		124
Commercial [Member] | Construction [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments [Line Items]
Balance, beginning of period	929	827	625	1,154
Balance, end of period	1,060	951	1,060	951
Adjustment for CECL			154
Provision for credit losses	131	124	281	(203)
Loan charge-offs
Loan recoveries
Net loan recoveries (charge-offs)
Commercial [Member] | Business [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments [Line Items]
Balance, beginning of period	6,217	6,848	4,887	7,845
Balance, end of period	6,717	6,722	6,717	6,722
Adjustment for CECL			1,057
Provision for credit losses	524	(226)	683	(1,011)
Loan charge-offs	(55)		(55)	(268)
Loan recoveries	31	100	145	156
Net loan recoveries (charge-offs)	(24)	100	90	(112)
Commercial [Member] | Owner Occupied RE [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments [Line Items]
Balance, beginning of period		7,154
Balance, end of period		7,099		7,099
Provision for credit losses		(149)
Loan recoveries		94
Net loan recoveries (charge-offs)		94
Consumer [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments [Line Items]
Balance, beginning of period	32,944	43,499	30,408	44,149
Balance, end of period	34,192	41,912	34,192	41,912
Adjustment for CECL			1,500
Provision for credit losses	1,525	(1,900)	2,550	(2,200)
Loan charge-offs	(316)	(8)	(485)	(415)
Loan recoveries	39	321	219	378
Net loan recoveries (charge-offs)	$ (277)	$ 313	$ (266)	$ (37)
Net charge-offs (recoveries) to average loans (annualized)	0.04%	(0.06%)	0.02%	0%
Allowance for credit losses to gross loans	1.20%	1.86%	1.20%
Allowance for credit losses to nonperforming loans	1,166.70%	619.47%	1,166.70%
Consumer [Member] | Construction [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments [Line Items]
Balance, beginning of period	$ 844	$ 685	$ 578	$ 747
Balance, end of period	851	753	851	753
Adjustment for CECL			130
Provision for credit losses	7	68	143	6
Loan charge-offs
Loan recoveries
Net loan recoveries (charge-offs)
Consumer [Member] | Real Estate [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments [Line Items]
Balance, beginning of period	7,602	9,666	7,083	10,453
Balance, end of period	7,992	10,028	7,992	10,028
Adjustment for CECL			(294)
Provision for credit losses	390	362	1,203	(425)
Loan charge-offs
Loan recoveries
Net loan recoveries (charge-offs)
Consumer [Member] | Home Equity [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments [Line Items]
Balance, beginning of period	2,197	2,688	1,697	3,249
Balance, end of period	2,442	2,562	2,442	2,562
Adjustment for CECL			438
Provision for credit losses	407	(129)	572	(552)
Loan charge-offs	(170)		(339)	(139)
Loan recoveries	8	3	74	4
Net loan recoveries (charge-offs)	(162)	3	(265)	(135)
Consumer [Member] | Other [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses by commercial and consumer portfolio segments [Line Items]
Balance, beginning of period	284	436	320	507
Balance, end of period	291	574	291	574
Adjustment for CECL			(5)
Provision for credit losses	98	146	67	75
Loan charge-offs	(91)	(8)	(91)	(8)
Loan recoveries
Net loan recoveries (charge-offs)	$ (91)	$ (8)	$ (91)	$ (8)

Loans and Allowance for Cred_15

Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses and recorded investment in loans by impairment methodology - USD ($) $ in Thousands	Dec. 31, 2021	Jun. 30, 2021
Allowance For Loan Losses [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses and recorded investment in loans by impairment methodology [Line Items]
Individually evaluated	$ 836	$ 1,588
Collectively evaluated	29,572	40,324
Total	30,408	41,912
Recorded Investment In Loans [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses and recorded investment in loans by impairment methodology [Line Items]
Individually evaluated	8,163	11,387
Collectively evaluated	2,481,714	2,242,748
Total	2,489,877	2,254,135
Commercial [Member] | Allowance For Loan Losses [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses and recorded investment in loans by impairment methodology [Line Items]
Individually evaluated	623	1,454
Collectively evaluated	20,107	26,536
Total	20,730	27,995
Commercial [Member] | Recorded Investment In Loans [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses and recorded investment in loans by impairment methodology [Line Items]
Individually evaluated	3,435	5,308
Collectively evaluated	1,549,837	1,415,635
Total	1,553,272	1,420,943
Consumer [Member] | Allowance For Loan Losses [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses and recorded investment in loans by impairment methodology [Line Items]
Individually evaluated	213	134
Collectively evaluated	9,465	13,788
Total	9,678	13,917
Consumer [Member] | Recorded Investment In Loans [Member]
Loans and Allowance for Credit Losses (Details) - Schedule of allowance for loan losses and recorded investment in loans by impairment methodology [Line Items]
Individually evaluated	4,728	6,079
Collectively evaluated	931,877	827,113
Total	$ 936,605	$ 833,192

Loans and Allowance for Cred_16

Loans and Allowance for Credit Losses (Details) - Schedule of analysis of collateral-dependent loans of the company $ in Thousands	6 Months Ended
	Jun. 30, 2022 USD ($)
Commercial
Real estate	$ 321
Business assets
Other
Total	321
Commercial [Member]
Commercial
Real estate	121
Business assets
Other
Total	121
Commercial [Member] | Construction [Member]
Commercial
Real estate
Business assets
Other
Total
Commercial [Member] | Business [Member]
Commercial
Real estate
Business assets
Other
Total
Commercial [Member] | Owners occupied RE [Member]
Commercial
Business assets
Other
Commercial [Member] | Non-owners occupied RE [Member]
Commercial
Real estate	121
Business assets
Other
Total	121
Consumer [Member]
Commercial
Real estate	200
Business assets
Other
Total	200
Consumer [Member] | Construction [Member]
Commercial
Real estate
Business assets
Other
Total
Consumer [Member] | Real Estate [Member]
Commercial
Business assets
Other
Consumer [Member] | Home Equity Loan [Member]
Commercial
Real estate	200
Business assets
Other
Total	200
Consumer [Member] | Other [Member]
Commercial
Real estate
Business assets
Other
Total

Loans and Allowance for Cred_17

Loans and Allowance for Credit Losses (Details) - Schedule of allowance for credit losses for unfunded loan commitments $ in Thousands	6 Months Ended
	Jun. 30, 2022 USD ($)
Schedule of allowance for credit losses for unfunded loan commitments [Abstract]
Balance, beginning of period
Adjustment for adoption of CECL	2,000
Provision for loan losses	330
Balance, end of period	$ 2,330

Troubled Debt Restructurings (D

Troubled Debt Restructurings (Details) $ in Millions	6 Months Ended
	Jun. 30, 2022 USD ($)	Jun. 30, 2021	Dec. 31, 2021 USD ($)
Troubled Debt Restructuring [Abstract]
Total number of loans classified under troubled debt restructurings	13		14
Total sum of loans classified as troubled debt restructurings	$ 5.8		$ 6.3
Number of months previous loan payment defaulted	60 days	12 months

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - Schedule of outstanding Financial Derivative Instruments - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Mortgage loan interest rate lock commitments [Member]
Derivative Financial Instruments (Details) - Schedule of outstanding Financial Derivative Instruments [Line Items]
Derivative financial instruments, Notional amount	$ 23,136	$ 32,478
Balance Sheet Location, description	Other assets	Other assets
Derivative Asset/(Liability), Fair Value	$ 250	$ 425
MBS forward sales commitments [Member]
Derivative Financial Instruments (Details) - Schedule of outstanding Financial Derivative Instruments [Line Items]
Derivative financial instruments, Notional amount	$ 15,000	$ 21,000
Balance Sheet Location, description	Other liabilities	Other liabilities
Derivative Asset/(Liability), Fair Value	$ (31)	$ (41)
Total derivative financial instruments [Member]
Derivative Financial Instruments (Details) - Schedule of outstanding Financial Derivative Instruments [Line Items]
Derivative financial instruments, Notional amount	38,136	53,478
Derivative Asset/(Liability), Fair Value	$ 219	$ 384

Fair Value Accounting (Details)

Fair Value Accounting (Details) - Schedule of assets and liabilities measured at fair value on recurring basis - Fair Value, Recurring [Member] - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Securities available for sale
Corporate bonds	$ 1,981	$ 2,188
US treasuries	905	992
US government agencies	11,253	14,169
SBA securities		438
State and political subdivisions	19,979	25,176
Asset-backed securities	7,753	10,164
Mortgage-backed securities	57,120	67,154
Mortgage loans held for sale	18,329	13,556
Mortgage loan interest rate lock commitments	250	425
Total assets measured at fair value on a recurring basis	117,570	134,262
Liabilities
MBS forward sales commitments	31	41
Total liabilities measured at fair value on a recurring basis	31	41
Level 1 [Member]
Securities available for sale
Corporate bonds
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
Level 2 [Member]
Securities available for sale
Corporate bonds	1,981	2,188
US treasuries	905	992
US government agencies	11,253	14,169
SBA securities		438
State and political subdivisions	19,979	25,176
Asset-backed securities	7,753	10,164
Mortgage-backed securities	57,120	67,154
Mortgage loans held for sale	18,329	13,556
Mortgage loan interest rate lock commitments	250	425
Total assets measured at fair value on a recurring basis	117,570	134,262
Liabilities
MBS forward sales commitments	31	41
Total liabilities measured at fair value on a recurring basis	31	41
Level 3 [Member]
Securities available for sale
Corporate bonds
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

Fair Value Accounting (Detail_2

Fair Value Accounting (Details) - Schedule of assets and liabilities measured at fair value on nonrecurring basis - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Assets
Impaired loans	$ 4,009	$ 7,327
Total assets measured at fair value on a nonrecurring basis	4,009	7,327
Level 1 [Member]
Assets
Impaired loans
Total assets measured at fair value on a nonrecurring basis
Level 2 [Member]
Assets
Impaired loans	321	5,262
Total assets measured at fair value on a nonrecurring basis	321	5,262
Level 3 [Member]
Assets
Impaired loans	3,688	2,065
Total assets measured at fair value on a nonrecurring basis	$ 3,688	$ 2,065

Fair Value Accounting (Detail_3

Fair Value Accounting (Details) - Schedule of estimated fair values of the company's financial instruments - USD ($) $ in Thousands		Jun. 30, 2022	Dec. 31, 2021
Financial Assets:
Other investments, at cost, Carrying Amount		$ 5,065	$ 4,021
Other investments, at cost, Fair Value		5,065	4,021
Loans, Carrying Amount	[1]	2,804,524	2,451,306
Loans, Fair Value	[1]	2,688,356	2,422,621
Financial Liabilities:
Deposits, Carrying Amount		2,822,594	2,563,826
Deposits, Fair Value		2,419,809	2,327,055
Subordinated debentures, Carrying Amount		36,160	36,106
Subordinated debentures, Fair Value		36,651	33,936
Level 1 [Member]
Financial Assets:
Other investments, at cost, Fair Value
Loans, Fair Value	[1]
Financial Liabilities:
Deposits, Fair Value
Subordinated debentures, Fair Value
Level 2 [Member]
Financial Assets:
Other investments, at cost, Fair Value
Loans, Fair Value	[1]
Financial Liabilities:
Deposits, Fair Value		2,419,809	2,327,055
Subordinated debentures, Fair Value		36,651	33,936
Level 3 [Member]
Financial Assets:
Other investments, at cost, Fair Value		5,065	4,021
Loans, Fair Value	[1]	2,688,356	2,422,621
Financial Liabilities:
Deposits, Fair Value
Subordinated debentures, Fair Value
[1]Carrying amount is net of the allowance for credit losses or loan losses, as applicable, and previously presented individually assessed or impaired loans.

Leases (Details)

Leases (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Disclosure Text Block [Abstract]
Weighted average remaining life	7 years 4 months 20 days		7 years 4 months 20 days
Weighted average discount rate	2.28%		2.28%
Operating lease costs	$ 768,000	$ 640,000	$ 1,500,000	$ 1,400,000
Operating lease, right-of-use asset	23,700,000		23,700,000		$ 26,600,000
Lease liabilities	$ 25,276,000		$ 25,276,000		$ 28,000,000

Leases (Details) - Schedule of

Leases (Details) - Schedule of maturities of lease liabilities - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Schedule of maturities of lease liabilities [Abstract]
2022	$ 377
2023	1,938
2024	1,990
2025	2,045
2026	2,096
Thereafter	24,093
Total undiscounted lease payments	32,539
Discount effect of cash flows	7,263
Total lease liability	$ 25,276	$ 28,000

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - shares	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share, amount	162,366	113,239

Earnings Per Common Share (De_2

Earnings Per Common Share (Details) - Schedule of earnings per share calculation - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Numerator:
Net income available to common shareholders (in Dollars)	$ 7,240	$ 10,323	$ 15,210	$ 20,689
Denominator:
Weighted-average common shares outstanding – basic	7,957,631	7,847,516	7,944,814	7,811,217
Common stock equivalents	97,279	140,099	130,682	137,077
Weighted-average common shares outstanding – diluted	8,054,910	7,987,615	8,075,496	7,948,294
Earnings per common share:
Basic (in Dollars per share)	$ 0.91	$ 1.32	$ 1.91	$ 2.65
Diluted (in Dollars per share)	$ 0.9	$ 1.29	$ 1.88	$ 2.6