Landmark Bancorp (LARK) 10-Q 6 Nov 20 2020 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Sep. 30, 2020	Nov. 05, 2020
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Sep. 30, 2020
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2020
Current Fiscal Year End Date	--12-31
Entity File Number	0-33203
Entity Registrant Name	LANDMARK BANCORP, INC.
Entity Central Index Key	0001141688
Entity Tax Identification Number	43-1930755
Entity Incorporation, State or Country Code	DE
Entity Address, Address Line One	701 Poyntz Avenue
Entity Address, City or Town	Manhattan
Entity Address, State or Province	KS
Entity Address, Postal Zip Code	66502
City Area Code	(785)
Local Phone Number	565-2000
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	LARK
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,510,988

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and cash equivalents	$ 15,820	$ 13,694
Investment securities available-for-sale, at fair value	299,530	362,998
Bank stocks, at cost	4,459	3,109
Loans, net of allowance for loans losses of $8,366 at September 30, 2020 and $6,467 at December 31, 2019	728,150	532,180
Loans held for sale, at fair value	18,253	8,497
Premises and equipment, net	20,617	21,133
Bank owned life insurance	25,269	24,809
Goodwill	17,532	17,532
Other intangible assets, net	3,578	2,829
Real estate owned, net	1,488	290
Accrued interest and other assets	14,246	11,394
Total assets	1,148,942	998,465
Deposits:
Non-interest-bearing demand	272,864	182,717
Money market and checking	437,056	405,746
Savings	120,424	99,522
Time	127,598	147,063
Total deposits	957,942	835,048
Federal Home Loan Bank borrowings	20,069	3,000
Subordinated debentures	21,651	21,651
Other borrowings	8,400	17,548
Accrued interest, taxes, and other liabilities	19,010	12,611
Total liabilities	1,027,072	889,858
Commitments and contingencies
Stockholders’ equity:
Preferred stock, $0.01 par value per share, 200,000 shares authorized; none issued
Common stock, $0.01 par value per share, 7,500,000 shares authorized; 4,617,882 and 4,597,396 shares issued at September 30, 2020 and December 31, 2019, respectively	46	46
Additional paid-in capital	69,303	69,029
Retained earnings	45,462	34,293
Treasury stock, at cost: 106,894 and 0 shares at September 30, 2020 and December 31, 2019, respectively	(2,349)
Accumulated other comprehensive income	9,408	5,239
Total stockholders’ equity	121,870	108,607
Total liabilities and stockholders’ equity	$ 1,148,942	$ 998,465

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Allowance for loans losses	$ 8,366	$ 6,467
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	200,000	200,000
Preferred stock, shares issued	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	7,500,000	7,500,000
Common stock, shares issued	4,617,882	4,597,396
Treasury stock, shares	106,894	0

Consolidated Statements of Earn

Consolidated Statements of Earnings (Unaudited) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Loans:
Taxable		$ 7,975	$ 7,070	$ 22,819	$ 20,358
Tax-exempt		23	26	71	78
Investment securities:
Taxable		945	1,444	3,335	4,430
Tax-exempt		814	905	2,491	2,756
Total interest income		9,757	9,445	28,716	27,622
Interest expense:
Deposits		354	1,433	1,798	4,144
Borrowings		136	353	534	1,142
Total interest expense		490	1,786	2,332	5,286
Net interest income		9,267	7,659	26,384	22,336
Provision for loan losses		1,000	400	2,600	1,000
Net interest income after provision for loan losses		8,267	7,259	23,784	21,336
Non-interest income:
Fees and service charges		2,122	2,057	5,838	5,677
Gains on sales of loans, net	[1]	4,944	2,081	10,961	4,943
Bank owned life insurance	[1]	152	159	460	478
(Losses)/gains on sales of investment securities, net		678		2,448	(146)
Other		269	258	783	847
Total non-interest income		8,165	4,555	20,490	11,799
Non-interest expense:
Compensation and benefits		5,559	4,678	15,394	13,072
Occupancy and equipment		1,106	1,207	3,248	3,369
Professional fees		381	446	1,095	1,285
Data processing		447	405	1,311	1,233
Amortization of intangibles		465	332	1,166	887
Advertising		150	166	451	501
Federal deposit insurance premiums		64	(66)	166	71
Foreclosure and real estate owned expense		68	75	110	142
Other		1,282	1,375	3,804	3,751
Total non-interest expense		9,522	8,618	26,745	24,311
Earnings before income taxes		6,910	3,196	17,529	8,824
Income tax expense		1,483	583	3,639	1,430
Net earnings		$ 5,427	$ 2,613	$ 13,890	$ 7,394
Earnings per share:
Basic (1)	[2],[3]	$ 1.21	$ 0.57	$ 3.07	$ 1.61
Diluted (1)	[2],[3]	1.20	0.57	3.06	1.61
Dividends per share (1)	[2]	$ 0.20	$ 0.19	$ 0.60	$ 0.57
[1]	Not within the scope of ASC 606.
[2]	Per share amounts for the periods ended September 30, 2019 have been adjusted to give effect to the 5
[3]	Share and per share values for the periods ended September 30, 2019 have been adjusted to give effect to the 5

Consolidated Statements of Ea_2

Consolidated Statements of Earnings (Unaudited) (Parenthetical)	12 Months Ended
	Dec. 31, 2019
Consolidated Statements Of Earnings Unaudited
Stock dividend, percentage	5.00%

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Income Statement [Abstract]
Net earnings	$ 5,427	$ 2,613	$ 13,890	$ 7,394
Net unrealized holding gains on available-for-sale securities	661	1,787	7,970	11,995
Reclassification adjustment for net losses (gains) included in earnings	(678)		(2,448)	146
Net unrealized gains	(17)	1,787	5,522	12,141
Income tax effect on net (losses) gains included in earnings	166		600	(36)
Income tax effect on net unrealized holding gains	(162)	(437)	(1,953)	(2,938)
Other comprehensive (loss) income	(13)	1,350	4,169	9,167
Total comprehensive income	$ 5,414	$ 3,963	$ 18,059	$ 16,561

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Treasury Stock [Member]	AOCI Attributable to Parent [Member]	Total
Beginning balance, value at Dec. 31, 2018	$ 44	$ 63,775	$ 32,073		$ (3,991)	$ 91,901
Net earnings			7,394			7,394
Other comprehensive income					9,167	9,167
Stock-based compensation		200				200
Dividends paid ($0.57 per share)			(2,624)			(2,624)
Ending balance, value at Sep. 30, 2019	44	63,975	36,843		5,176	106,038
Beginning balance, value at Jun. 30, 2019	44	63,904	35,105		3,826	102,879
Net earnings			2,613			2,613
Other comprehensive income					1,350	1,350
Dividends paid ($0.19 per share)			(875)			(875)
Stock-based compensation		71				71
Ending balance, value at Sep. 30, 2019	44	63,975	36,843		5,176	106,038
Beginning balance, value at Dec. 31, 2019	46	69,029	34,293		5,239	108,607
Net earnings			13,890			13,890
Other comprehensive income					4,169	4,169
Stock-based compensation		241				241
Exercise of stock options, 3,136 shares		33				33
Dividends paid ($0.60 per share)			(2,721)			(2,721)
Purchase of 106,894 treasury shares				(2,349)		(2,349)
Ending balance, value at Sep. 30, 2020	46	69,303	45,462	(2,349)	9,408	121,870
Beginning balance, value at Jun. 30, 2020	46	69,224	40,938	(2,349)	9,421	117,280
Net earnings			5,427			5,427
Other comprehensive income					(13)	(13)
Stock-based compensation		79				79
Dividends paid ($0.20 per share)			(903)			(903)
Ending balance, value at Sep. 30, 2020	$ 46	$ 69,303	$ 45,462	$ (2,349)	$ 9,408	$ 121,870

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Statement of Stockholders' Equity [Abstract]
Dividends per share	$ 0.20	$ 0.19	$ 0.60	$ 0.57
Excise of stock option, shares			3,136
Treasury shares			106,894

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019
Cash flows from operating activities:
Net earnings		$ 13,890	$ 7,394
Adjustments to reconcile net earnings to net cash provided by operating activities:
Provision for loan losses		2,600	1,000
Valuation allowance on real estate owned		19	31
Amortization of investment security premiums, net		906	1,285
Amortization of purchase accounting adjustment on loans		(42)	(27)
Amortization of intangibles		1,166	887
Depreciation		743	761
Increase in cash surrender value of bank owned life insurance	[1]	(460)	(478)
Stock-based compensation		241	200
Deferred income taxes		1,041	(430)
Net (gains) losses on sales of investment securities		(2,448)	146
Net loss (gain) on sales of premises, equipment and real estate owned		38	(2)
Net gains on sales of loans	[1]	(10,961)	(4,943)
Proceeds from sales of loans		285,497	146,990
Origination of loans held for sale		(286,207)	(152,983)
Changes in assets and liabilities:
Accrued interest and other assets		(3,615)	338
Accrued expenses, taxes, and other liabilities		4,005	(1,208)
Net cash provided by (used in) operating activities		6,413	(1,039)
Cash flows from investing activities:
Net increase in loans		(199,351)	(32,377)
Maturities and prepayments of investment securities		46,231	54,998
Purchases of investment securities		(36,863)	(34,751)
Proceeds from sales of investment securities		61,164	9,491
Redemption of bank stocks		1,655	7,498
Purchase of bank stocks		(3,005)	(5,953)
Proceeds from sales of premises and equipment and foreclosed assets		343	26
Purchases of premises and equipment, net		(239)	(986)
Net cash used in investing activities		(130,065)	(2,054)
Cash flows from financing activities:
Net increase in deposits		122,894	10,106
Federal Home Loan Bank advance borrowings		156,950	325,497
Federal Home Loan Bank advance repayments		(139,881)	(328,297)
Proceeds from other borrowings		1,075	1,033
Repayments on other borrowings		(10,223)
Proceeds from exercise of stock options		33
Payment of dividends		(2,721)	(2,624)
Purchase of treasury stock		(2,349)
Net cash provided by financing activities		125,778	5,715
Net increase in cash and cash equivalents		2,126	2,622
Cash and cash equivalents at beginning of period		13,694	19,114
Cash and cash equivalents at end of period		15,820	21,736
Supplemental disclosure of cash flow information:
Cash payments for income taxes		2,890	511
Cash paid for interest		2,523	5,156
Cash paid for operating leases		134	116
Supplemental schedule of noncash investing and financing activities:
Transfer of loans to real estate owned		1,586	482
Operating lease asset and related lease liability recorded			$ 353
[1]	Not within the scope of ASC 606.

Interim Financial Statements

Interim Financial Statements	9 Months Ended
	Sep. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Interim Financial Statements	1. Interim Financial Statements The unaudited consolidated financial statements of Landmark Bancorp, Inc. (the “Company”) and its wholly owned subsidiaries, Landmark National Bank (the “Bank”) and Landmark Risk Management Inc., have been prepared in accordance with the instructions to Form 10-Q. Accordingly, they do not include all the information and footnotes required by U.S. generally accepted accounting principles (“GAAP”) for complete financial statements and should be read in conjunction with the Company’s most recent Annual Report on Form 10-K, containing the latest audited consolidated financial statements and notes thereto. The consolidated financial statements in this report have not been audited by an independent registered public accounting firm, but in the opinion of management, all adjustments, consisting of normal recurring accruals, considered necessary for a fair presentation of financial statements have been reflected herein. The results of the three month and nine month interim periods ended September 30, 2020 are not necessarily indicative of the results expected for the year ending December 31, 2020 or any other future time period. The Company has evaluated subsequent events for recognition and disclosure up to the date the financial statements were issued.

Investments

Investments	9 Months Ended
	Sep. 30, 2020
Schedule of Investments [Abstract]
Investments	2. Investments A summary of investment securities available-for-sale is as follows: Schedule of Available-for-sale Securities (Dollars in thousands) As of September 30, 2020 Gross Gross Amortized unrealized unrealized Estimated cost gains losses fair value U. S. treasury securities $ 2,000 $ 47 $ - $ 2,047 U. S. federal agency obligations 18,860 146 (18 ) 18,988 Municipal obligations, tax exempt 135,700 6,179 (2 ) 141,877 Municipal obligations, taxable 45,414 2,965 - 48,379 Agency mortgage-backed securities 80,421 3,144 - 83,565 Certificates of deposit 4,674 - - 4,674 Total $ 287,069 $ 12,481 $ (20 ) $ 299,530 (Dollars in thousands) As of December 31, 2019 Gross Gross Amortized unrealized unrealized Estimated cost gains losses fair value U. S. treasury securities $ 2,300 $ 16 $ - $ 2,316 U. S. federal agency obligations 4,015 91 - 4,106 Municipal obligations, tax exempt 142,391 3,513 (42 ) 145,862 Municipal obligations, taxable 45,541 1,293 (55 ) 46,779 Agency mortgage-backed securities 159,908 2,353 (230 ) 162,031 Certificates of deposit 1,904 - - 1,904 Total $ 356,059 $ 7,266 $ (327 ) $ 362,998 The tables above show that some of the securities in the available-for-sale investment portfolio had unrealized losses, or were temporarily impaired, as of September 30, 2020 and December 31, 2019. This temporary impairment represents the estimated amount of loss that would be realized if the securities were sold on the valuation date. Securities which were temporarily impaired are shown below, along with the length of time in a continuous unrealized loss position. (Dollars in thousands) As of September 30, 2020 Less than 12 months 12 months or longer Total No. of Fair Unrealized Fair Unrealized Fair Unrealized securities value losses value losses value losses U.S. federal agency obligations 5 $ 13,848 $ (18 ) $ - $ - $ 13,848 $ (18 ) Municipal obligations, tax exempt 3 1,329 (2 ) - - 1,329 (2 ) Total 8 $ 15,177 $ (20 ) $ - $ - $ 15,177 $ (20 ) (Dollars in thousands) As of December 31, 2019 Less than 12 months 12 months or longer Total No. of Fair Unrealized Fair Unrealized Fair Unrealized securities value losses value losses value losses Municipal obligations, tax exempt 23 $ 5,676 $ (16 ) $ 3,473 $ (26 ) $ 9,149 $ (42 ) Municipal obligations, taxable 4 2,563 (55 ) - - 2,563 (55 ) Agency mortgage-backed securities 21 15,735 (43 ) 17,137 (187 ) 32,872 (230 ) Total 48 $ 23,974 $ (114 ) $ 20,610 $ (213 ) $ 44,584 $ (327 ) The Company’s U.S. federal agency obligations portfolio consists of securities issued by the government-sponsored agencies of Federal Home Loan Mortgage Corporation (“FHLMC”), Federal National Mortgage Association (“FNMA”) and Federal Home Loan Bank (“FHLB”). The receipt of principal and interest on U.S. federal agency obligations is guaranteed by the respective government-sponsored agency guarantor, such that the Company believes that its U.S. federal agency obligations do not expose the Company to credit-related losses. Based on these factors, along with the Company’s intent to not sell the securities and its belief that it was more likely than not that the Company will not be required to sell the securities before recovery of their cost basis, the Company believed that the U.S. federal agency obligations identified in the tables above were temporarily impaired as of September 30, 2020. The Company’s portfolio of municipal obligations consists of both tax-exempt and taxable general obligations securities issued by various municipalities. The Company did not intend to sell and it was more likely than not that the Company will not be required to sell its municipal obligations in an unrealized loss position until the recovery of their costs. Due to the issuers’ continued satisfaction of the securities’ obligations in accordance with their contractual terms and the expectation that they will continue to do so, the evaluation of the fundamentals of the issuers’ financial condition and other objective evidence, the Company believed that the municipal obligations identified in the tables above were temporarily impaired as of September 30, 2020 and December 31, 2019. The table below sets forth amortized cost and fair value of investment securities at September 30, 2020. The table includes scheduled principal payments and estimated prepayments, based on observable market inputs, for agency mortgage-backed securities. Actual maturities will differ from contractual maturities because borrowers have the right to prepay obligations with or without prepayment penalties. Schedule of Investments Classified by Contractual Maturity Date (Dollars in thousands) Amortized Estimated cost fair value Due in less than one year $ 12,464 $ 12,489 Due after one year but within five years 146,177 151,148 Due after five years but within ten years 63,935 67,775 Due after ten years 64,493 68,118 Total $ 287,069 $ 299,530 Sales proceeds and gross realized gains and losses on sales of available-for-sale securities were as follows: Schedule of Realized Gain (loss) 2020 2019 2020 2019 (Dollars in thousands) Three months ended September 30, Nine months ended September 30, 2020 2019 2020 2019 Sales proceeds $ 16,655 $ - $ 61,164 $ 9,491 Realized gains $ 678 $ - $ 2,450 $ 2 Realized losses - - (2 ) (148 ) Net realized losses $ 678 $ - $ 2,448 $ (146 ) Securities with carrying values of $ 279.9 240.0 10

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Loans and Allowance for Loan Losses	3. Loans and Allowance for Loan Losses Loans consisted of the following as of the dates indicated below: Schedule of Loans September 30, December 31, (Dollars in thousands) 2020 2019 One-to-four family residential real estate $ 162,344 $ 146,505 Construction and land 28,094 22,459 Commercial real estate 154,804 133,501 Commercial 137,286 109,612 Paycheck protection program 130,977 - Agriculture 99,430 98,558 Municipal 2,389 2,656 Consumer 23,988 25,101 Total gross loans 739,312 538,392 Net deferred loan (fees)/costs and loans in process (2,796 ) 255 Allowance for loan losses (8,366 ) (6,467 ) Loans, net $ 728,150 $ 532,180 The following tables provide information on the Company’s activity in the allowance for loan losses by loan class: Schedule of Allowance for Credit Losses on Financing Receivables (Dollars in thousands) Three and nine months ended September 30, 2020 One-to-four family residential real estate Construction and land Commercial real estate Commercial Agriculture Municipal Consumer Total Allowance for loan losses: Balance at July 1, 2020 $ 707 $ 273 $ 1,693 $ 2,356 $ 2,565 $ 6 $ 147 $ 7,747 Charge-offs (89 ) (91 ) - (167 ) (3 ) - (57 ) (407 ) Recoveries - - - 1 - - 25 26 Provision for loan losses 213 22 264 436 15 - 50 1,000 Balance at September 30, 2020 831 204 1,957 2,626 2,577 6 165 8,366 Balance at January 1, 2020 $ 501 $ 271 $ 1,386 $ 1,815 $ 2,347 $ 7 $ 140 $ 6,467 Charge-offs (109 ) (191 ) (120 ) (200 ) (3 ) - (180 ) (803 ) Recoveries - - 13 3 - 6 80 102 Provision for loan losses 439 124 678 1,008 233 (7 ) 125 2,600 Balance at September 30, 2020 831 204 1,957 2,626 2,577 6 165 8,366 (Dollars in thousands) Three and nine months ended September 30, 2019 One-to-four family residential real estate Construction and land Commercial real estate Commercial Agriculture Municipal Consumer Total Allowance for loan losses: Balance at July 1, 2019 $ 441 $ 255 $ 1,758 $ 1,404 $ 2,260 $ 7 $ 141 $ 6,266 Charge-offs (15 ) (31 ) - (284 ) - - (81 ) (411 ) Recoveries - - - 1 - - 23 24 Provision for loan losses 249 (156 ) (326 ) 490 40 (1 ) 104 400 Balance at September 30, 2019 675 68 1,432 1,611 2,300 6 187 6,279 Balance at January 1, 2019 $ 449 $ 168 $ 1,686 $ 1,051 $ 2,238 $ 7 $ 166 $ 5,765 Charge-offs (56 ) (31 ) - (324 ) - - (183 ) (594 ) Recoveries 1 - - 52 - 6 49 108 Provision for loan losses 281 (69 ) (254 ) 832 62 (7 ) 155 1,000 Balance at September 30, 2019 675 68 1,432 1,611 2,300 6 187 6,279 The following tables provide information on the Company’s activity in the allowance for loan losses by loan class and allowance methodology: (Dollars in thousands) As of September 30, 2020 One-to-four family residential real estate Construction and land Commercial real estate Commercial Paycheck protection loans Agriculture Municipal Consumer Total Allowance for loan losses: Individually evaluated for loss 213 - - 25 - - - - 238 Collectively evaluated for loss 618 204 1,957 2,601 - 2,577 6 165 8,128 Total 831 204 1,957 2,626 - 2,577 6 165 8,366 Loan balances: Individually evaluated for loss 1,259 1,198 4,929 2,055 - 1,059 58 2 10,560 Collectively evaluated for loss 161,085 26,896 149,875 135,231 130,977 98,371 2,331 23,986 728,752 Total $ 162,344 $ 28,094 $ 154,804 $ 137,286 $ 130,977 $ 99,430 $ 2,389 $ 23,988 $ 739,312 (Dollars in thousands) As of December 31, 2019 One-to-four family residential real estate Construction and land Commercial real estate Commercial Paycheck protection loans Agriculture Municipal Consumer Total Allowance for loan losses: Individually evaluated for loss 129 191 103 204 - 106 - - 733 Collectively evaluated for loss 372 80 1,283 1,611 - 2,241 7 140 5,734 Total 501 271 1,386 1,815 - 2,347 7 140 6,467 Loan balances: Individually evaluated for loss 1,256 1,479 3,461 1,298 - 1,124 58 4 8,680 Collectively evaluated for loss 145,249 20,980 130,040 108,314 - 97,434 2,598 25,097 529,712 Total $ 146,505 $ 22,459 $ 133,501 $ 109,612 $ - $ 98,558 $ 2,656 $ 25,101 $ 538,392 The Company’s impaired loans increased from $ 8.7 10.6 The following tables present information on impaired loans: Schedule of Impaired Financing Receivables (Dollars in thousands) As of September 30, 2020 Unpaid contractual principal Impaired loan balance Impaired loans without an allowance Impaired loans with an allowance Related allowance recorded Year-to-date average loan balance Year-to-date interest income recognized One-to-four family residential real estate $ 1,348 $ 1,259 $ 959 $ 300 $ 213 $ 1,319 $ 1 Construction and land 2,933 1,198 1,198 - - 1,225 19 Commercial real estate 4,929 4,929 4,929 - - 4,946 356 Commercial 2,354 2,055 1,952 103 25 2,281 32 Agriculture 1,274 1,059 1,059 - - 1,155 61 Municipal 58 58 58 - - 58 1 Consumer 2 2 2 - - 3 - Total impaired loans $ 12,898 $ 10,560 $ 10,157 $ 403 $ 238 $ 10,987 $ 470 (Dollars in thousands) As of December 31, 2019 Unpaid contractual principal Impaired loan balance Impaired loans without an allowance Impaired loans with an allowance Related allowance recorded Year-to-date average loan balance Year-to-date interest income recognized One-to-four family residential real estate $ 1,297 $ 1,256 $ 887 $ 369 $ 129 $ 1,291 $ 10 Construction and land 3,214 1,479 1,288 191 191 1,631 36 Commercial real estate 3,461 3,461 3,258 203 103 3,489 478 Commercial 1,427 1,298 416 882 204 1,464 11 Agriculture 1,339 1,124 613 511 106 1,166 48 Municipal 58 58 58 - - 58 1 Consumer 4 4 4 - - 5 - Total impaired loans $ 10,800 $ 8,680 $ 6,524 $ 2,156 $ 733 $ 9,104 $ 584 The Company’s key credit quality indicator is a loan’s performance status, defined as accruing or non-accruing. Performing loans are considered to have a lower risk of loss. Non-accrual loans are those which the Company believes have a higher risk of loss. The accrual of interest on non-performing loans is discontinued at the time the loan is ninety days delinquent, unless the credit is well secured and in process of collection. Loans are placed on non-accrual or are charged off at an earlier date if collection of principal or interest is considered doubtful. There were no loans 90 days or more delinquent and accruing interest at September 30, 2020 or December 31, 2019. The following tables present information on the Company’s past due and non-accrual loans by loan class: Schedule of Past Due Financing Receivables (Dollars in thousands) As of September 30, 2020 30-59 days delinquent and accruing 60-89 days delinquent and accruing 90 days or more delinquent and accruing Total past due loans accruing Non-accrual loans Total past due and non-accrual loans Total loans not past due One-to-four family residential real estate $ 30 $ 425 $ - $ 455 $ 1,243 $ 1,698 $ 160,646 Construction and land 598 - - 598 697 1,295 26,799 Commercial real estate - 1,654 - 1,654 2,910 4,564 150,240 Commercial 443 37 - 480 1,202 1,682 135,604 Paycheck protection loans - - - - - - 130,977 Agriculture 476 - - 476 292 768 98,662 Municipal - - - - - - 2,389 Consumer 24 1 - 25 2 27 23,961 Total $ 1,571 $ 2,117 $ - $ 3,688 $ 6,346 $ 10,034 $ 729,278 Percent of gross loans 0.21% 0.29% 0.00% 0.50% 0.86% 1.36% 98.64% (Dollars in thousands) As of December 31, 2019 30-59 days delinquent and accruing 60-89 days delinquent and accruing 90 days or more delinquent and accruing Total past due loans accruing Non-accrual loans Total past due and non-accrual loans Total loans not past due One-to-four family residential real estate $ 79 $ 593 $ - $ 672 $ 1,088 $ 1,760 $ 144,745 Construction and land - - - - 898 898 21,561 Commercial real estate 1,137 707 - 1,844 1,440 3,284 130,217 Commercial 510 68 - 578 1,270 1,848 107,764 Agriculture 316 - - 316 846 1,162 97,396 Municipal - - - - - - 2,656 Consumer 27 - - 27 4 31 25,070 Total $ 2,069 $ 1,368 $ - $ 3,437 $ 5,546 $ 8,983 $ 529,409 Percent of gross loans 0.39% 0.25% 0.00% 0.64% 1.03% 1.67% 98.33% Under the original terms of the Company’s non-accrual loans, interest earned on such loans for the nine months ended September 30, 2020 and 2019 would have increased interest income by $ 264,000 and $ 171,000 , respectively. No interest income related to non-accrual loans was included in interest income for the nine months ended September 30, 2020 and 2019. The Company also categorizes loans into risk categories based on relevant information about the ability of the borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis is performed on a quarterly basis. Non-classified loans generally include those loans that are expected to be repaid in accordance with contractual loan terms. Classified loans are those that are assigned a special mention, substandard or doubtful risk rating using the following definitions: Special Mention: Loans are currently protected by the current net worth and paying capacity of the obligor or of the collateral pledged but such protection is potentially weak. These loans constitute an undue and unwarranted credit risk, but not to the point of justifying a classification of substandard. The credit risk may be relatively minor, yet constitutes an unwarranted risk in light of the circumstances surrounding a specific asset. Substandard: Loans are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged. Loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Loans are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful: Loans classified doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The following table provides information on the Company’s risk categories by loan class: Schedule of Risk Categories by Loan Class (Dollars in thousands) As of September 30, 2020 As of December 31, 2019 Non-classified Classified Non-classified Classified One-to-four family residential real estate $ 161,026 $ 1,318 $ 145,311 $ 1,194 Construction and land 26,799 1,295 21,560 899 Commercial real estate 149,712 5,092 130,714 2,787 Commercial 129,882 7,404 101,678 7,934 Payroll protection loan 130,977 - - - Agriculture 89,405 10,025 93,259 5,299 Municipal 2,389 - 2,656 - Consumer 23,986 2 25,097 4 Total $ 714,176 $ 25,136 $ 520,275 $ 18,117 At September 30, 2020, the Company had twelve loan relationships consisting of 22 outstanding loans that were classified as TDRs. During the three and nine months ended September 30, 2020, the Company modified the payment terms for two agriculture loans totaling $ 571,000 and classified the restructurings as TDRs. A commercial loan totaling $ 33,000 and a $ 1.4 million loan relationship consisting of two commercial real estate loans and one construction loan were classified as TDRs during the three and nine months ended September 30, 2020 after negotiating restructuring agreements with the borrowers. One commercial loan relationship with five loans totaling $ 827,000 were classified as TDRs during the nine months ended September 30, 2020, after the payments were modified to interest only. All of the loans classified as TDRs were experiencing financial difficulties prior to the COVID-19 pandemic. One agriculture loan previously classified as a TDR paid off during 2020. No loans were classified as TDRs during the first nine months of 2019. The Company evaluates each TDR individually and returns the loan to accrual status when a payment history is established after the restructuring and future payments are reasonably assured. There were no loans modified as TDRs for which there was a payment default within 12 months of modification as of September 30, 2020 and 2019. The Company did not record any charge-offs against loans classified as TDRs in the first nine months of 2020 or 2019. No 1,000 No 1,000 9,000 The following table presents information on loans that are classified as TDRs: Schedule of Troubled Debt Restructurings On Financing Receivables (Dollars in thousands) As of September 30, 2020 As of December 31, 2019 Number of loans Non-accrual balance Accruing balance Number of loans Non-accrual balance Accruing balance One-to-four family residential real estate 1 $ - $ 15 2 $ - $ 168 Construction and land 5 697 501 4 510 581 Commercial real estate 3 1,227 2,019 1 - 2,021 Commercial 7 33 853 1 - 28 Agriculture 5 - 767 4 - 278 Municipal 1 - 58 1 - 58 Total troubled debt restructurings 22 $ 1,957 $ 4,213 13 $ 510 $ 3,134 As of September 30, 2020, the Company had 33 loan modifications on outstanding loan balances of $ 22.9 35.7 6.8 982,000

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	9 Months Ended
	Sep. 30, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	4. Goodwill and Other Intangible Assets The Company tests goodwill for impairment annually or more frequently if circumstances warrant. The Company’s annual step one impairment test as of December 31, 2019 concluded that its goodwill was not impaired. The Company concluded there was a triggering event during the first three months of 2020 that required an interim goodwill impairment test. The Company’s interim impairment test as of March 31, 2020 concluded that its goodwill was not impaired. The Company concluded there were no additional events or circumstances during the three months ended September 30, 2020 that indicated it was more likely than not that the fair value of the Company did not exceed the carrying value. Lease intangible assets are amortized over the life of the lease. Core deposit intangible assets are amortized over the estimated useful life of ten years on an accelerated basis. Mortgage servicing rights are amortized over the estimated life of the mortgage loan serviced for others. A summary of the other intangible assets that continue to be subject to amortization is as follows: Schedule of Other Intangible Assets and Goodwill (Dollars in thousands) As of September 30, 2020 Gross carrying amount Accumulated amortization Net carrying amount Core deposit intangible assets $ 2,018 $ (1,810 ) $ 208 Lease intangible asset 350 (312 ) 38 Mortgage servicing rights 7,811 (4,479 ) 3,332 Total other intangible assets $ 10,179 $ (6,601 ) $ 3,578 (Dollars in thousands) As of December 31, 2019 Gross carrying amount Accumulated amortization Net carrying amount Core deposit intangible assets $ 2,018 $ (1,707 ) $ 311 Lease intangible asset 350 (278 ) 72 Mortgage servicing rights 6,910 (4,464 ) 2,446 Total other intangible assets $ 9,278 $ (6,449 ) $ 2,829 The following sets forth estimated amortization expense for core deposit and lease intangible assets for the remainder of 2020 and in successive years ending December 31: Schedule of Finite-lived Intangible Assets, Future Amortization Expense (Dollars in thousands) Amortization expense Remainder of 2020 $ 41 2021 121 2022 58 2023 26 Total $ 246 Mortgage loans serviced for others are not reported as assets. The following table provides information on the principal balances of mortgage loans serviced for others: Schedule of Participating Mortgage Loans (Dollars in thousands) September 30, December 31, 2020 2019 FHLMC $ 597,604 $ 509,101 FHLB 33,744 40,462 Total $ 631,348 $ 549,563 Custodial escrow balances maintained in connection with serviced loans were $ 9.6 4.7 391,000 334,000 1.1 1.0 Activity for mortgage servicing rights and the related valuation allowance was as follows: Schedule of Servicing Asset at Amortized Cost (Dollars in thousands) Three months ended September 30, Nine months ended September 30, 2020 2019 2020 2019 Mortgage servicing rights: Balance at beginning of period $ 2,806 $ 2,372 $ 2,446 $ 2,495 Additions 946 308 1,915 630 Amortization (420 ) (278 ) (1,029 ) (723 ) Balance at end of period $ 3,332 $ 2,402 $ 3,332 $ 2,402 The fair value of mortgage servicing rights was $ 4.1 5.2 9.00% 12.00% 6.27% 27.69% 1.39% 9.00% 11.00% 6.00% 23.21% 1.37% The Company had a mortgage repurchase reserve of $ 235,000

Earnings per Share

Earnings per Share	9 Months Ended
	Sep. 30, 2020
Earnings per share:
Earnings per Share	5. Earnings per Share Basic earnings per share have been computed based upon the weighted average number of common shares outstanding during each period. Diluted earnings per share include the effect of all potential common shares outstanding during each period. The diluted earnings per share computations for the three months ended September 30, 2020 and 2019 excluded 100,039 100,039 Schedule of Earnings Per Share, Basic and Diluted (Dollars in thousands, except per share amounts) Three months ended September 30, Nine months ended September 30, 2020 2019 2020 2019 Net earnings $ 5,427 $ 2,613 $ 13,890 $ 7,394 Weighted average common shares outstanding - basic (1) 4,504,953 4,593,061 4,526,769 4,591,510 Assumed exercise of stock options (1) 17,037 15,670 17,868 15,229 Weighted average common shares outstanding - diluted (1) 4,521,990 4,608,731 4,544,637 4,606,739 Net earnings per share (1): Basic $ 1.21 $ 0.57 $ 3.07 $ 1.61 Diluted $ 1.20 $ 0.57 $ 3.06 $ 1.61 (1) Share and per share values for the periods ended September 30, 2019 have been adjusted to give effect to the 5

Repurchase Agreements

Repurchase Agreements	9 Months Ended
	Sep. 30, 2020
Repurchase Agreements
Repurchase Agreements	6. Repurchase Agreements The Company has overnight repurchase agreements with certain deposit customers whereby the Company uses investment securities as collateral for non-insured funds. These balances are accounted for as collateralized financing and included in other borrowings on the balance sheet. Repurchase agreements are comprised of non-insured customer funds, totaling $ 8.4 17.5 11.1 20.1 The following is a summary of the balances of and collateral for the Company’s repurchase agreements: Schedule of Repurchase Agreements As of September 30, 2020 Overnight and Greater Continuous Up to 30 days 30-90 days than 90 days Total Repurchase agreements: U.S. federal agency obligations $ 2,195 $ - $ - $ - $ 2,195 Agency mortgage-backed securities 6,205 - - 6,205 Total $ 8,400 $ - $ - $ - $ 8,400 As of December 31, 2019 Overnight and Up to Greater Continuous 30 days 30-90 days than 90 days Total Repurchase agreements: U.S. treasury obligations $ 789 $ - $ - $ - $ 789 U.S. federal agency obligations 1,978 - - - 1,978 Agency mortgage-backed securities 14,781 - - 14,781 Total $ 17,548 $ - $ - $ - $ 17,548 The investment securities are held by a third-party financial institution in the customer’s custodial account. The Company is required to maintain adequate collateral for each repurchase agreement. Changes in the fair value of the investment securities impact the amount of collateral required. If the Company were to default, the investment securities would be used to settle the repurchase agreement with the deposit customer.

Revenue from Contracts with Cus

Revenue from Contracts with Customers	9 Months Ended
	Sep. 30, 2020
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	7. Revenue from Contracts with Customers All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within non-interest income. Items outside the scope of ASC 606 are noted as such. Schedule of Revenue from Contracts with Customers Within Non-interest Income Three months ended Nine months ended (Dollars in thousands) September 30, September 30, 2020 2019 2020 2019 Non-interest income: Service charges on deposits Overdraft fees $ 780 $ 979 $ 2,196 $ 2,633 Other 169 165 479 435 Interchange income 689 532 1,817 1,505 Loan servicing fees (1) 391 344 1,115 1,017 Office lease income (1) 164 158 488 481 Gains on sales of loans (1) 4,944 2,081 10,961 4,943 Bank owned life insurance income (1) 152 159 460 478 Gains on sales of investment securities (1) 678 - 2,448 (146 ) Gains on sales of real estate owned 7 (2 ) (38 ) 2 Other 191 139 564 451 Total non-interest income $ 8,165 $ 4,555 $ 20,490 $ 11,799 (1) Not within the scope of ASC 606. A description of the Company’s revenue streams within the scope of ASC 606 follows: Service Charges on Deposit Accounts The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Transaction-based fees, which include services such as ATM usage fees, stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer’s request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period during which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer’s account balance. Interchange Income The Company earns interchange fees from debit cardholder transactions conducted through the interchange payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. Gains (Losses) on Sales of Real Estate Owned The Company records a gain or loss from the sale of real estate owned when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. When the Company finances the sale of real estate owned to the buyer, the Company assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the real estate owned asset is derecognized and the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. In determining the gain or loss on the sale, the Company adjusts the transaction price and related gain (loss) on sale if a significant financing component is present. There were no sales of real estate owned that were financed by the Company during the first nine months of 2020 or 2019.

Fair Value of Financial Instrum

Fair Value of Financial Instruments and Fair Value Measurements	9 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments and Fair Value Measurements	8. Fair Value of Financial Instruments and Fair Value Measurements Fair value is the exchange price that would be received for an asset or paid to transfer a liability (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. There are three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Significant other 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. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. Fair value estimates of the Company’s financial instruments as of September 30, 2020 and December 31, 2019, including methods and assumptions utilized, are set forth below: Schedule of Fair Value, by Balance Sheet Grouping (Dollars in thousands) As of September 30, 2020 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 15,820 $ 15,820 $ - $ - $ 15,820 Investment securities available-for-sale 299,530 2,047 297,483 - 299,530 Bank stocks, at cost 4,459 n/a n/a n/a n/a Loans, net 728,150 - - 743,867 743,867 Loans held for sale, net 18,253 - 18,253 - 18,253 Accrued interest receivable 5,295 10 1,613 3,672 5,295 Derivative financial instruments 2,366 - 2,366 - 2,366 Financial liabilities: Non-maturity deposits $ (830,344 ) $ (830,344 ) $ - $ - $ (830,344 ) Time deposits (127,598 ) - (127,916 ) - (127,916 ) FHLB borrowings (20,069 ) - (20,064 ) - (7,995 ) Subordinated debentures (21,651 ) - (15,164 ) - (15,164 ) Other borrowings (8,400 ) - (8,400 ) - (8,400 ) Accrued interest payable (213 ) - (213 ) - (213 ) Derivative financial instruments (227 ) - (227 ) - (227 ) As of December 31, 2019 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 13,694 $ 13,694 $ - $ - $ 13,694 Investment securities available-for-sale 362,998 2,316 360,682 - 362,998 Bank stocks, at cost 3,109 n/a n/a n/a n/a Loans, net 532,180 - - 538,427 538,427 Loans held for sale 8,497 - 8,497 - 8,497 Accrued interest receivable 4,557 2 1,895 2,660 4,557 Derivative financial instruments 532 - 532 - 532 Financial liabilities: Non-maturity deposits $ (687,985 ) $ (687,985 ) $ - $ - $ (687,985 ) Time deposits (147,063 ) - (146,390 ) - (146,390 ) FHLB borrowings (3,000 ) - (3,000 ) - (3,000 ) Subordinated debentures (21,651 ) - (19,527 ) - (19,527 ) Other borrowings (17,548 ) - (17,548 ) - (17,548 ) Accrued interest payable (404 ) - (404 ) - (404 ) Derivative financial instruments (50 ) - (50 ) - (50 ) Transfers The Company did not transfer any assets or liabilities among levels during the nine months ended September 30, 2020 or during the year ended December 31, 2019. Valuation Methods for Instruments Measured at Fair Value on a Recurring Basis The following tables represent the Company’s financial instruments that are measured at fair value on a recurring basis at September 30, 2020 and December 31, 2019 allocated to the appropriate fair value hierarchy: Schedule of Fair Value, Assets Measured On Recurring Basis (Dollars in thousands) As of September 30, 2020 Fair value hierarchy Total Level 1 Level 2 Level 3 Assets: Available-for-sale investment securities: U. S. treasury securities $ 2,047 $ 2,047 $ - $ - U. S. federal agency obligations 18,988 - 18,988 - Municipal obligations, tax exempt 141,877 - 141,877 - Municipal obligations, taxable 48,379 - 48,379 - Agency mortgage-backed securities 83,565 - 83,565 - Certificates of deposit 4,674 - 4,674 - Loans held for sale 18,253 - 18,253 - Derivative financial instruments 2,366 - 2,366 - Liabililties: Derivative financial instruments (227 ) - (227 ) - As of December 31, 2019 Fair value hierarchy Total Level 1 Level 2 Level 3 Assets: Available-for-sale investment securities: U. S. treasury securities $ 2,316 $ 2,316 $ - $ - U. S. federal agency obligations 4,106 - 4,106 - Municipal obligations, tax exempt 145,862 - 145,862 - Municipal obligations, taxable 46,779 - 46,779 - Agency mortgage-backed securities 162,031 - 162,031 - Certificates of deposit 1,904 - 1,904 - Loans held for sale 8,497 - 8,497 - Derivative financial instruments 532 - 532 - Liabilities: Derivative financial instruments (50 ) - (50 ) - The Company’s investment securities classified as available-for-sale include U.S. treasury securities, U.S. federal agency obligations, municipal obligations, agency mortgage-backed securities and certificates of deposits. Quoted exchange prices are available for the Company’s U.S treasury securities, which are classified as Level 1. U.S. federal agency securities and agency mortgage-backed securities are priced utilizing industry-standard models that consider various assumptions, including time value, yield curves, volatility factors, prepayment speeds, default rates, loss severity, current market and contractual prices for the underlying financial instruments, as well as other relevant economic measures. Substantially all of these assumptions are observable in the marketplace, can be derived from observable data, or are supported by observable levels at which transactions are executed in the marketplace. These measurements are classified as Level 2. Municipal obligations are valued using a type of matrix, or grid, pricing in which securities are benchmarked against U.S. treasury rates based on credit rating. These model and matrix measurements are classified as Level 2 in the fair value hierarchy. Changes in the fair value of available-for-sale securities are included in other comprehensive income to the extent the changes are not considered other-than-temporary impairments. Other-than-temporary impairment tests are performed on a quarterly basis and any decline in the fair value of an individual security below its cost that is deemed to be other-than-temporary results in a write-down of that security’s cost basis. Mortgage loans originated and intended for sale in the secondary market are carried at fair value. The mortgage loan valuations are based on quoted secondary market prices for similar loans and are classified as Level 2. Changes in the fair value of mortgage loans originated and intended for sale in the secondary market and derivative financial instruments are included in gains on sales of loans.   The aggregate fair value, contractual balance (including accrued interest), and gain on loans held for sale were as follows: Schedule of Fair Value Contractual Balance and Gain Loss On Loans Held for Sale As of As of September 30, December 31, (Dollars in thousands) 2020 2019 Aggregate fair value $ 18,253 $ 8,497 Contractual balance 17,864 8,316 Gain $ 389 $ 181 The Company’s derivative financial instruments consist of interest rate lock commitments and corresponding forward sales contracts on mortgage loans held for sale. The fair values of these derivatives are based on quoted prices for similar loans in the secondary market. The market prices are adjusted by a factor, based on the Company’s historical data and its judgment about future economic trends, which considers the likelihood that a commitment will ultimately result in a closed loan. These instruments are classified as Level 2. The amounts are included in other assets or other liabilities on the consolidated balance sheets and gains on sales of loans, net in the consolidated statements of earnings. The total amount of gains from changes in fair value of loans held for sale included in earnings were as follows: Schedule of Gains and Losses from Changes in Fair Value of Loans Held for Sale 2020 2019 2020 2019 Three months ended Nine months ended September 30, September 30, (Dollars in thousands) 2020 2019 2020 2019 Interest income $ 148 $ 139 $ 344 $ 309 Change in fair value 105 (115 ) 208 87 Total change in fair value $ 253 $ 24 $ 552 $ 396 Valuation Methods for Instruments Measured at Fair Value on a Non-recurring Basis The Company does not record its loan portfolio at fair value. Collateral-dependent impaired loans are generally carried at the lower of cost or fair value of the collateral, less estimated selling costs. Collateral values are determined based on appraisals performed by qualified licensed appraisers hired by the Company and then further adjusted if warranted based on relevant facts and circumstances. The appraisals may utilize a single valuation approach or a combination of approaches including the comparable sales and income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. Impaired loans are reviewed and evaluated at least quarterly for additional impairment and adjusted accordingly, based on the same factors identified above. The carrying value of the Company’s impaired loans was $ 10.6 8.7 238 733 Real estate owned includes assets acquired through, or in lieu of, foreclosure and land previously acquired for expansion. Real estate owned is initially recorded at the fair value of the collateral less estimated selling costs. Subsequent valuations are updated periodically and are based upon independent appraisals, third party price opinions or internal pricing models. The appraisals may utilize a single valuation approach or a combination of approaches including the comparable sales and income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. Real estate owned is reviewed and evaluated at least annually for additional impairment and adjusted accordingly, based on the same factors identified above. The following table presents quantitative information about Level 3 fair value measurements for impaired loans measured at fair value on a non-recurring basis as of September 30, 2020 and December 31, 2019. Schedule of Fair Value Measurements On Nonrecurring, Valuation Techniques (Dollars in thousands) Fair value Valuation technique Unobservable inputs Range As of September 30, 2020 Impaired loans: One-to-four family residential real estate $ 87 Sales comparison Adjustment to appraised value 0% Commercial 78 Sales comparison Adjustment to comparable sales 0% 68% Real estate owned 1,488 Sales comparison Adjustment to appraised value 10% As of December 31, 2019 Impaired loans: One-to-four family residential real estate $ 240 Sales comparison Adjustment to appraised value 0% 25% Commercial real estate 100 Sales comparison Adjustment to appraised value 0% 15% Commercial 678 Sales comparison Adjustment to comparable sales 0% 75% Agriculture 405 Sales comparison Adjustment to appraised valu 0% 30%

Regulatory Capital Requirements

Regulatory Capital Requirements	9 Months Ended
	Sep. 30, 2020
Regulatory Capital Requirements
Regulatory Capital Requirements	9. Regulatory Capital Requirements Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action. Management believed that as of September 30, 2020, the Company and the Bank met all capital adequacy requirements to which they were subject at that time. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. The Company and the Bank are subject to the Basel III Rule, which is applicable to all U.S. banks that are subject to minimum capital requirements, as well as to bank and savings and loan holding companies other than “small bank holding companies” (generally, non-public bank holding companies with consolidated assets of less than $ 3.0 The Basel III Rule includes a common equity Tier 1 capital to risk-weighted assets minimum ratio of 4.5% 6.0% 8.0% 4.0% 2.5% As of September 30, 2020 and December 31, 2019, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action then in effect. There are no conditions or events since that notification that management believes have changed the institution’s category. The following is a comparison of the Company’s regulatory capital to minimum capital requirements at September 30, 2020 and December 31, 2019: Schedule of Compliance with Regulatory Capital Requirements for Mortgage Companies (Dollars in thousands) For capital Actual adequacy purposes Amount Ratio Amount Ratio (1) As of September 30, 2020 Leverage $ 116,240 10.40% $ 44,715 4.0% Common Equity Tier 1 Capital 95,240 13.19% 50,533 7.0% Tier 1 Capital 116,240 16.10% 61,361 8.5% Total Risk Based Capital 124,746 17.28% 75,799 10.5% As of December 31, 2019 Leverage $ 106,938 10.94% $ 39,109 4.0% Common Equity Tier 1 Capital 85,938 13.09% 45,952 7.0% Tier 1 Capital 106,938 16.29% 55,799 8.5% Total Risk Based Capital 113,545 17.30% 68,928 10.5% (1) The required ratios for capital adequacy purposes include a capital conservation buffer of 2.5% The following is a comparison of the Bank’s regulatory capital to minimum capital requirements at September 30, 2020 and December 31, 2019: Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations To be well-capitalized under prompt (Dollars in thousands) For capital corrective Actual adequacy purposes action provisions Amount Ratio Amount Ratio(1) Amount Ratio As of September 30, 2020 Leverage $ 113,659 10.20% $ 44,592 4.0% $ 55,740 5.0% Common Equity Tier 1 Capital 113,659 15.76% 50,490 7.0% 46,884 6.5% Tier 1 Capital 113,659 15.76% 61,310 8.5% 57,703 8.0% Total Risk Based Capital 122,165 16.94% 75,736 10.5% 72,129 10.0% As of December 31, 2019 Leverage $ 104,510 10.72% $ 38,984 4.0% $ 48,730 5.0% Common Equity Tier 1 Capital 104,510 15.94% 45,884 7.0% 42,607 6.5% Tier 1 Capital 104,510 15.94% 55,716 8.5% 52,439 8.0% Total Risk Based Capital 111,117 16.95% 68,826 10.5% 65,549 10.0% (1) The required ratios for capital adequacy purposes include a capital conservation buffer of 2.5%

Impact of Recent Accounting Pro

Impact of Recent Accounting Pronouncements	9 Months Ended
	Sep. 30, 2020
Accounting Changes and Error Corrections [Abstract]
Impact of Recent Accounting Pronouncements	10. Impact of Recent Accounting Pronouncements In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326), commonly referred to as “CECL.” The provisions of the update eliminate the probable initial recognition threshold under current GAAP which requires reserves to be based on an incurred loss methodology. Under CECL, reserves required for financial assets measured at amortized cost will reflect an organization’s estimate of all expected credit losses over the expected term of the financial asset and thereby require the use of reasonable and supportable forecasts to estimate future credit losses. Because CECL encompasses all financial assets carried at amortized cost, the requirement that reserves be established based on an organization’s reasonable and supportable estimate of expected credit losses extends to held to maturity debt securities. Under the provisions of the update, credit losses recognized on available for sale debt securities will be presented as an allowance as opposed to a write-down. In addition, CECL will modify the accounting for purchased loans, with credit deterioration since origination, so that reserves are established at the date of acquisition for purchased loans. Under current GAAP a purchased loan’s contractual balance is adjusted to fair value through a credit discount, and no reserve is recorded on the purchased loan upon acquisition. Since under CECL reserves will be established for purchased loans at the time of acquisition, the accounting for purchased loans is made more comparable to the accounting for originated loans. Finally, increased disclosure requirements under CECL require organizations to present the currently required credit quality disclosures disaggregated by the year of origination or vintage. FASB expects that the evaluation of underwriting standards and credit quality trends by financial statement users will be enhanced with the additional vintage disclosures. For public entities, the amendments of the update became effective on January 1, 2020. In October 2019, the FASB approved a change in the effective dates for CECL which delayed the effective date to fiscal years beginning after December 15, 2022 for smaller reporting companies. Because the Company is a smaller reporting company, the proposed delay is applicable to the Company, and the Company plans to delay the implementation of CECL until January 1, 2023. Management formed an implementation committee that has implemented a process to collect the data and is utilizing a vendor solution for the new standard. Initial calculations estimate the effect will be an increase to the allowance for loan losses upon adoption. However, the size of the overall increase is uncertain at this time. Management will utilize the delay to continue to refine and back test the CECL calculation. The internal controls over financial reporting specifically related to CECL are in the design stage and are currently being evaluated. In April 2020, various regulatory agencies, including the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation, issued a revised Interagency Statement on Loan Modifications and Reporting for Financial Institutions, which, among other things, encouraged financial institutions to work prudently with borrowers who are or may be unable to meet their contractual payment obligations because of the effects of COVID-19, and stated that institutions generally do not need to categorize COVID-19-related modifications as TDRs and that the agencies will not direct supervised institutions to automatically categorize all COVID-19-related loan modifications as TDRs. The interagency guidance was effective immediately.

COVID-19 Pandemic

COVID-19 Pandemic	9 Months Ended
	Sep. 30, 2020
Covid-19 Pandemic
COVID-19 Pandemic	11. COVID-19 Pandemic The COVID-19 pandemic in the United States caused a substantial disruption to the economy, employment and financial markets and is expected to have a complex and significant adverse impact on the economy, the banking industry and the Company in future fiscal periods, all subject to a high degree of uncertainty. The lack of additional federal government stimulus and expectations for another surge in COVID-19 cases continue to present risks while the timeline for the development of a vaccine is still uncertain. The Company’s pandemic response plan continues to focus foremost on the safety and well-being of our customers and associates. The COVID-19 pandemic could adversely impact our customers, employees or vendors which may impact our operations and financial results. The COVID-19 pandemic may cause economic declines in excess of current projections, or if the pandemic lasts longer than currently projected, the Company’s provision for loan losses may remain elevated or increase in future periods. The Company expects to see higher loan delinquencies and defaults in future periods as a result of the COVID-19 pandemic and will continue to monitor our allowance for loan losses in light of changing economic conditions related to COVID-19. The COVID-19 pandemic may also impact the Company’s deposit balances and service charge income. In addition, the fair value of certain assets may be adversely impacted by the pandemic and the economic downturn, including the fair value of goodwill, mortgage servicing rights and other real estate. These declines could result in impairments in future periods. The pandemic has caused a significant decline in market interest rates which may cause our net interest margin to decline. At this time, the full impact of the COVID-19 pandemic on the Company’s financial statements is uncertain.

Investments (Tables)

Investments (Tables)	9 Months Ended
	Sep. 30, 2020
Schedule of Investments [Abstract]
Schedule of Available-for-sale Securities	A summary of investment securities available-for-sale is as follows: Schedule of Available-for-sale Securities (Dollars in thousands) As of September 30, 2020 Gross Gross Amortized unrealized unrealized Estimated cost gains losses fair value U. S. treasury securities $ 2,000 $ 47 $ - $ 2,047 U. S. federal agency obligations 18,860 146 (18 ) 18,988 Municipal obligations, tax exempt 135,700 6,179 (2 ) 141,877 Municipal obligations, taxable 45,414 2,965 - 48,379 Agency mortgage-backed securities 80,421 3,144 - 83,565 Certificates of deposit 4,674 - - 4,674 Total $ 287,069 $ 12,481 $ (20 ) $ 299,530 (Dollars in thousands) As of December 31, 2019 Gross Gross Amortized unrealized unrealized Estimated cost gains losses fair value U. S. treasury securities $ 2,300 $ 16 $ - $ 2,316 U. S. federal agency obligations 4,015 91 - 4,106 Municipal obligations, tax exempt 142,391 3,513 (42 ) 145,862 Municipal obligations, taxable 45,541 1,293 (55 ) 46,779 Agency mortgage-backed securities 159,908 2,353 (230 ) 162,031 Certificates of deposit 1,904 - - 1,904 Total $ 356,059 $ 7,266 $ (327 ) $ 362,998
Schedule of Available for Sale Securities Continuous Unrealized Loss Position Fair Value	The tables above show that some of the securities in the available-for-sale investment portfolio had unrealized losses, or were temporarily impaired, as of September 30, 2020 and December 31, 2019. This temporary impairment represents the estimated amount of loss that would be realized if the securities were sold on the valuation date. Securities which were temporarily impaired are shown below, along with the length of time in a continuous unrealized loss position. (Dollars in thousands) As of September 30, 2020 Less than 12 months 12 months or longer Total No. of Fair Unrealized Fair Unrealized Fair Unrealized securities value losses value losses value losses U.S. federal agency obligations 5 $ 13,848 $ (18 ) $ - $ - $ 13,848 $ (18 ) Municipal obligations, tax exempt 3 1,329 (2 ) - - 1,329 (2 ) Total 8 $ 15,177 $ (20 ) $ - $ - $ 15,177 $ (20 ) (Dollars in thousands) As of December 31, 2019 Less than 12 months 12 months or longer Total No. of Fair Unrealized Fair Unrealized Fair Unrealized securities value losses value losses value losses Municipal obligations, tax exempt 23 $ 5,676 $ (16 ) $ 3,473 $ (26 ) $ 9,149 $ (42 ) Municipal obligations, taxable 4 2,563 (55 ) - - 2,563 (55 ) Agency mortgage-backed securities 21 15,735 (43 ) 17,137 (187 ) 32,872 (230 ) Total 48 $ 23,974 $ (114 ) $ 20,610 $ (213 ) $ 44,584 $ (327 )
Schedule of Investments Classified by Contractual Maturity Date	The table below sets forth amortized cost and fair value of investment securities at September 30, 2020. The table includes scheduled principal payments and estimated prepayments, based on observable market inputs, for agency mortgage-backed securities. Actual maturities will differ from contractual maturities because borrowers have the right to prepay obligations with or without prepayment penalties. Schedule of Investments Classified by Contractual Maturity Date (Dollars in thousands) Amortized Estimated cost fair value Due in less than one year $ 12,464 $ 12,489 Due after one year but within five years 146,177 151,148 Due after five years but within ten years 63,935 67,775 Due after ten years 64,493 68,118 Total $ 287,069 $ 299,530
Schedule of Realized Gain (loss)	Sales proceeds and gross realized gains and losses on sales of available-for-sale securities were as follows: Schedule of Realized Gain (loss) 2020 2019 2020 2019 (Dollars in thousands) Three months ended September 30, Nine months ended September 30, 2020 2019 2020 2019 Sales proceeds $ 16,655 $ - $ 61,164 $ 9,491 Realized gains $ 678 $ - $ 2,450 $ 2 Realized losses - - (2 ) (148 ) Net realized losses $ 678 $ - $ 2,448 $ (146 )

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Schedule of Loans	Loans consisted of the following as of the dates indicated below: Schedule of Loans September 30, December 31, (Dollars in thousands) 2020 2019 One-to-four family residential real estate $ 162,344 $ 146,505 Construction and land 28,094 22,459 Commercial real estate 154,804 133,501 Commercial 137,286 109,612 Paycheck protection program 130,977 - Agriculture 99,430 98,558 Municipal 2,389 2,656 Consumer 23,988 25,101 Total gross loans 739,312 538,392 Net deferred loan (fees)/costs and loans in process (2,796 ) 255 Allowance for loan losses (8,366 ) (6,467 ) Loans, net $ 728,150 $ 532,180
Schedule of Allowance for Credit Losses on Financing Receivables	The following tables provide information on the Company’s activity in the allowance for loan losses by loan class: Schedule of Allowance for Credit Losses on Financing Receivables (Dollars in thousands) Three and nine months ended September 30, 2020 One-to-four family residential real estate Construction and land Commercial real estate Commercial Agriculture Municipal Consumer Total Allowance for loan losses: Balance at July 1, 2020 $ 707 $ 273 $ 1,693 $ 2,356 $ 2,565 $ 6 $ 147 $ 7,747 Charge-offs (89 ) (91 ) - (167 ) (3 ) - (57 ) (407 ) Recoveries - - - 1 - - 25 26 Provision for loan losses 213 22 264 436 15 - 50 1,000 Balance at September 30, 2020 831 204 1,957 2,626 2,577 6 165 8,366 Balance at January 1, 2020 $ 501 $ 271 $ 1,386 $ 1,815 $ 2,347 $ 7 $ 140 $ 6,467 Charge-offs (109 ) (191 ) (120 ) (200 ) (3 ) - (180 ) (803 ) Recoveries - - 13 3 - 6 80 102 Provision for loan losses 439 124 678 1,008 233 (7 ) 125 2,600 Balance at September 30, 2020 831 204 1,957 2,626 2,577 6 165 8,366 (Dollars in thousands) Three and nine months ended September 30, 2019 One-to-four family residential real estate Construction and land Commercial real estate Commercial Agriculture Municipal Consumer Total Allowance for loan losses: Balance at July 1, 2019 $ 441 $ 255 $ 1,758 $ 1,404 $ 2,260 $ 7 $ 141 $ 6,266 Charge-offs (15 ) (31 ) - (284 ) - - (81 ) (411 ) Recoveries - - - 1 - - 23 24 Provision for loan losses 249 (156 ) (326 ) 490 40 (1 ) 104 400 Balance at September 30, 2019 675 68 1,432 1,611 2,300 6 187 6,279 Balance at January 1, 2019 $ 449 $ 168 $ 1,686 $ 1,051 $ 2,238 $ 7 $ 166 $ 5,765 Charge-offs (56 ) (31 ) - (324 ) - - (183 ) (594 ) Recoveries 1 - - 52 - 6 49 108 Provision for loan losses 281 (69 ) (254 ) 832 62 (7 ) 155 1,000 Balance at September 30, 2019 675 68 1,432 1,611 2,300 6 187 6,279 The following tables provide information on the Company’s activity in the allowance for loan losses by loan class and allowance methodology: (Dollars in thousands) As of September 30, 2020 One-to-four family residential real estate Construction and land Commercial real estate Commercial Paycheck protection loans Agriculture Municipal Consumer Total Allowance for loan losses: Individually evaluated for loss 213 - - 25 - - - - 238 Collectively evaluated for loss 618 204 1,957 2,601 - 2,577 6 165 8,128 Total 831 204 1,957 2,626 - 2,577 6 165 8,366 Loan balances: Individually evaluated for loss 1,259 1,198 4,929 2,055 - 1,059 58 2 10,560 Collectively evaluated for loss 161,085 26,896 149,875 135,231 130,977 98,371 2,331 23,986 728,752 Total $ 162,344 $ 28,094 $ 154,804 $ 137,286 $ 130,977 $ 99,430 $ 2,389 $ 23,988 $ 739,312 (Dollars in thousands) As of December 31, 2019 One-to-four family residential real estate Construction and land Commercial real estate Commercial Paycheck protection loans Agriculture Municipal Consumer Total Allowance for loan losses: Individually evaluated for loss 129 191 103 204 - 106 - - 733 Collectively evaluated for loss 372 80 1,283 1,611 - 2,241 7 140 5,734 Total 501 271 1,386 1,815 - 2,347 7 140 6,467 Loan balances: Individually evaluated for loss 1,256 1,479 3,461 1,298 - 1,124 58 4 8,680 Collectively evaluated for loss 145,249 20,980 130,040 108,314 - 97,434 2,598 25,097 529,712 Total $ 146,505 $ 22,459 $ 133,501 $ 109,612 $ - $ 98,558 $ 2,656 $ 25,101 $ 538,392
Schedule of Impaired Financing Receivables	The following tables present information on impaired loans: Schedule of Impaired Financing Receivables (Dollars in thousands) As of September 30, 2020 Unpaid contractual principal Impaired loan balance Impaired loans without an allowance Impaired loans with an allowance Related allowance recorded Year-to-date average loan balance Year-to-date interest income recognized One-to-four family residential real estate $ 1,348 $ 1,259 $ 959 $ 300 $ 213 $ 1,319 $ 1 Construction and land 2,933 1,198 1,198 - - 1,225 19 Commercial real estate 4,929 4,929 4,929 - - 4,946 356 Commercial 2,354 2,055 1,952 103 25 2,281 32 Agriculture 1,274 1,059 1,059 - - 1,155 61 Municipal 58 58 58 - - 58 1 Consumer 2 2 2 - - 3 - Total impaired loans $ 12,898 $ 10,560 $ 10,157 $ 403 $ 238 $ 10,987 $ 470 (Dollars in thousands) As of December 31, 2019 Unpaid contractual principal Impaired loan balance Impaired loans without an allowance Impaired loans with an allowance Related allowance recorded Year-to-date average loan balance Year-to-date interest income recognized One-to-four family residential real estate $ 1,297 $ 1,256 $ 887 $ 369 $ 129 $ 1,291 $ 10 Construction and land 3,214 1,479 1,288 191 191 1,631 36 Commercial real estate 3,461 3,461 3,258 203 103 3,489 478 Commercial 1,427 1,298 416 882 204 1,464 11 Agriculture 1,339 1,124 613 511 106 1,166 48 Municipal 58 58 58 - - 58 1 Consumer 4 4 4 - - 5 - Total impaired loans $ 10,800 $ 8,680 $ 6,524 $ 2,156 $ 733 $ 9,104 $ 584
Schedule of Past Due Financing Receivables	The following tables present information on the Company’s past due and non-accrual loans by loan class: Schedule of Past Due Financing Receivables (Dollars in thousands) As of September 30, 2020 30-59 days delinquent and accruing 60-89 days delinquent and accruing 90 days or more delinquent and accruing Total past due loans accruing Non-accrual loans Total past due and non-accrual loans Total loans not past due One-to-four family residential real estate $ 30 $ 425 $ - $ 455 $ 1,243 $ 1,698 $ 160,646 Construction and land 598 - - 598 697 1,295 26,799 Commercial real estate - 1,654 - 1,654 2,910 4,564 150,240 Commercial 443 37 - 480 1,202 1,682 135,604 Paycheck protection loans - - - - - - 130,977 Agriculture 476 - - 476 292 768 98,662 Municipal - - - - - - 2,389 Consumer 24 1 - 25 2 27 23,961 Total $ 1,571 $ 2,117 $ - $ 3,688 $ 6,346 $ 10,034 $ 729,278 Percent of gross loans 0.21% 0.29% 0.00% 0.50% 0.86% 1.36% 98.64% (Dollars in thousands) As of December 31, 2019 30-59 days delinquent and accruing 60-89 days delinquent and accruing 90 days or more delinquent and accruing Total past due loans accruing Non-accrual loans Total past due and non-accrual loans Total loans not past due One-to-four family residential real estate $ 79 $ 593 $ - $ 672 $ 1,088 $ 1,760 $ 144,745 Construction and land - - - - 898 898 21,561 Commercial real estate 1,137 707 - 1,844 1,440 3,284 130,217 Commercial 510 68 - 578 1,270 1,848 107,764 Agriculture 316 - - 316 846 1,162 97,396 Municipal - - - - - - 2,656 Consumer 27 - - 27 4 31 25,070 Total $ 2,069 $ 1,368 $ - $ 3,437 $ 5,546 $ 8,983 $ 529,409 Percent of gross loans 0.39% 0.25% 0.00% 0.64% 1.03% 1.67% 98.33%
Schedule of Risk Categories by Loan Class	The following table provides information on the Company’s risk categories by loan class: Schedule of Risk Categories by Loan Class (Dollars in thousands) As of September 30, 2020 As of December 31, 2019 Non-classified Classified Non-classified Classified One-to-four family residential real estate $ 161,026 $ 1,318 $ 145,311 $ 1,194 Construction and land 26,799 1,295 21,560 899 Commercial real estate 149,712 5,092 130,714 2,787 Commercial 129,882 7,404 101,678 7,934 Payroll protection loan 130,977 - - - Agriculture 89,405 10,025 93,259 5,299 Municipal 2,389 - 2,656 - Consumer 23,986 2 25,097 4 Total $ 714,176 $ 25,136 $ 520,275 $ 18,117
Schedule of Troubled Debt Restructurings On Financing Receivables	The following table presents information on loans that are classified as TDRs: Schedule of Troubled Debt Restructurings On Financing Receivables (Dollars in thousands) As of September 30, 2020 As of December 31, 2019 Number of loans Non-accrual balance Accruing balance Number of loans Non-accrual balance Accruing balance One-to-four family residential real estate 1 $ - $ 15 2 $ - $ 168 Construction and land 5 697 501 4 510 581 Commercial real estate 3 1,227 2,019 1 - 2,021 Commercial 7 33 853 1 - 28 Agriculture 5 - 767 4 - 278 Municipal 1 - 58 1 - 58 Total troubled debt restructurings 22 $ 1,957 $ 4,213 13 $ 510 $ 3,134

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	9 Months Ended
	Sep. 30, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Other Intangible Assets and Goodwill	Schedule of Other Intangible Assets and Goodwill (Dollars in thousands) As of September 30, 2020 Gross carrying amount Accumulated amortization Net carrying amount Core deposit intangible assets $ 2,018 $ (1,810 ) $ 208 Lease intangible asset 350 (312 ) 38 Mortgage servicing rights 7,811 (4,479 ) 3,332 Total other intangible assets $ 10,179 $ (6,601 ) $ 3,578 (Dollars in thousands) As of December 31, 2019 Gross carrying amount Accumulated amortization Net carrying amount Core deposit intangible assets $ 2,018 $ (1,707 ) $ 311 Lease intangible asset 350 (278 ) 72 Mortgage servicing rights 6,910 (4,464 ) 2,446 Total other intangible assets $ 9,278 $ (6,449 ) $ 2,829
Schedule of Finite-lived Intangible Assets, Future Amortization Expense	The following sets forth estimated amortization expense for core deposit and lease intangible assets for the remainder of 2020 and in successive years ending December 31: Schedule of Finite-lived Intangible Assets, Future Amortization Expense (Dollars in thousands) Amortization expense Remainder of 2020 $ 41 2021 121 2022 58 2023 26 Total $ 246
Schedule of Participating Mortgage Loans	Mortgage loans serviced for others are not reported as assets. The following table provides information on the principal balances of mortgage loans serviced for others: Schedule of Participating Mortgage Loans (Dollars in thousands) September 30, December 31, 2020 2019 FHLMC $ 597,604 $ 509,101 FHLB 33,744 40,462 Total $ 631,348 $ 549,563
Schedule of Servicing Asset at Amortized Cost	Activity for mortgage servicing rights and the related valuation allowance was as follows: Schedule of Servicing Asset at Amortized Cost (Dollars in thousands) Three months ended September 30, Nine months ended September 30, 2020 2019 2020 2019 Mortgage servicing rights: Balance at beginning of period $ 2,806 $ 2,372 $ 2,446 $ 2,495 Additions 946 308 1,915 630 Amortization (420 ) (278 ) (1,029 ) (723 ) Balance at end of period $ 3,332 $ 2,402 $ 3,332 $ 2,402

Earnings per Share (Tables)

Earnings per Share (Tables)	9 Months Ended
	Sep. 30, 2020
Earnings per share:
Schedule of Earnings Per Share, Basic and Diluted	Schedule of Earnings Per Share, Basic and Diluted (Dollars in thousands, except per share amounts) Three months ended September 30, Nine months ended September 30, 2020 2019 2020 2019 Net earnings $ 5,427 $ 2,613 $ 13,890 $ 7,394 Weighted average common shares outstanding - basic (1) 4,504,953 4,593,061 4,526,769 4,591,510 Assumed exercise of stock options (1) 17,037 15,670 17,868 15,229 Weighted average common shares outstanding - diluted (1) 4,521,990 4,608,731 4,544,637 4,606,739 Net earnings per share (1): Basic $ 1.21 $ 0.57 $ 3.07 $ 1.61 Diluted $ 1.20 $ 0.57 $ 3.06 $ 1.61 (1) Share and per share values for the periods ended September 30, 2019 have been adjusted to give effect to the 5

Repurchase Agreements (Tables)

Repurchase Agreements (Tables)	9 Months Ended
	Sep. 30, 2020
Repurchase Agreements
Schedule of Repurchase Agreements	The following is a summary of the balances of and collateral for the Company’s repurchase agreements: Schedule of Repurchase Agreements As of September 30, 2020 Overnight and Greater Continuous Up to 30 days 30-90 days than 90 days Total Repurchase agreements: U.S. federal agency obligations $ 2,195 $ - $ - $ - $ 2,195 Agency mortgage-backed securities 6,205 - - 6,205 Total $ 8,400 $ - $ - $ - $ 8,400 As of December 31, 2019 Overnight and Up to Greater Continuous 30 days 30-90 days than 90 days Total Repurchase agreements: U.S. treasury obligations $ 789 $ - $ - $ - $ 789 U.S. federal agency obligations 1,978 - - - 1,978 Agency mortgage-backed securities 14,781 - - 14,781 Total $ 17,548 $ - $ - $ - $ 17,548

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	9 Months Ended
	Sep. 30, 2020
Revenue from Contract with Customer [Abstract]
Schedule of Revenue from Contracts with Customers Within Non-interest Income	All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within non-interest income. Items outside the scope of ASC 606 are noted as such. Schedule of Revenue from Contracts with Customers Within Non-interest Income Three months ended Nine months ended (Dollars in thousands) September 30, September 30, 2020 2019 2020 2019 Non-interest income: Service charges on deposits Overdraft fees $ 780 $ 979 $ 2,196 $ 2,633 Other 169 165 479 435 Interchange income 689 532 1,817 1,505 Loan servicing fees (1) 391 344 1,115 1,017 Office lease income (1) 164 158 488 481 Gains on sales of loans (1) 4,944 2,081 10,961 4,943 Bank owned life insurance income (1) 152 159 460 478 Gains on sales of investment securities (1) 678 - 2,448 (146 ) Gains on sales of real estate owned 7 (2 ) (38 ) 2 Other 191 139 564 451 Total non-interest income $ 8,165 $ 4,555 $ 20,490 $ 11,799 (1) Not within the scope of ASC 606.

Fair Value of Financial Instr_2

Fair Value of Financial Instruments and Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Schedule of Fair Value, by Balance Sheet Grouping	Fair value estimates of the Company’s financial instruments as of September 30, 2020 and December 31, 2019, including methods and assumptions utilized, are set forth below: Schedule of Fair Value, by Balance Sheet Grouping (Dollars in thousands) As of September 30, 2020 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 15,820 $ 15,820 $ - $ - $ 15,820 Investment securities available-for-sale 299,530 2,047 297,483 - 299,530 Bank stocks, at cost 4,459 n/a n/a n/a n/a Loans, net 728,150 - - 743,867 743,867 Loans held for sale, net 18,253 - 18,253 - 18,253 Accrued interest receivable 5,295 10 1,613 3,672 5,295 Derivative financial instruments 2,366 - 2,366 - 2,366 Financial liabilities: Non-maturity deposits $ (830,344 ) $ (830,344 ) $ - $ - $ (830,344 ) Time deposits (127,598 ) - (127,916 ) - (127,916 ) FHLB borrowings (20,069 ) - (20,064 ) - (7,995 ) Subordinated debentures (21,651 ) - (15,164 ) - (15,164 ) Other borrowings (8,400 ) - (8,400 ) - (8,400 ) Accrued interest payable (213 ) - (213 ) - (213 ) Derivative financial instruments (227 ) - (227 ) - (227 ) As of December 31, 2019 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 13,694 $ 13,694 $ - $ - $ 13,694 Investment securities available-for-sale 362,998 2,316 360,682 - 362,998 Bank stocks, at cost 3,109 n/a n/a n/a n/a Loans, net 532,180 - - 538,427 538,427 Loans held for sale 8,497 - 8,497 - 8,497 Accrued interest receivable 4,557 2 1,895 2,660 4,557 Derivative financial instruments 532 - 532 - 532 Financial liabilities: Non-maturity deposits $ (687,985 ) $ (687,985 ) $ - $ - $ (687,985 ) Time deposits (147,063 ) - (146,390 ) - (146,390 ) FHLB borrowings (3,000 ) - (3,000 ) - (3,000 ) Subordinated debentures (21,651 ) - (19,527 ) - (19,527 ) Other borrowings (17,548 ) - (17,548 ) - (17,548 ) Accrued interest payable (404 ) - (404 ) - (404 ) Derivative financial instruments (50 ) - (50 ) - (50 )
Schedule of Fair Value, Assets Measured On Recurring Basis	The following tables represent the Company’s financial instruments that are measured at fair value on a recurring basis at September 30, 2020 and December 31, 2019 allocated to the appropriate fair value hierarchy: Schedule of Fair Value, Assets Measured On Recurring Basis (Dollars in thousands) As of September 30, 2020 Fair value hierarchy Total Level 1 Level 2 Level 3 Assets: Available-for-sale investment securities: U. S. treasury securities $ 2,047 $ 2,047 $ - $ - U. S. federal agency obligations 18,988 - 18,988 - Municipal obligations, tax exempt 141,877 - 141,877 - Municipal obligations, taxable 48,379 - 48,379 - Agency mortgage-backed securities 83,565 - 83,565 - Certificates of deposit 4,674 - 4,674 - Loans held for sale 18,253 - 18,253 - Derivative financial instruments 2,366 - 2,366 - Liabililties: Derivative financial instruments (227 ) - (227 ) - As of December 31, 2019 Fair value hierarchy Total Level 1 Level 2 Level 3 Assets: Available-for-sale investment securities: U. S. treasury securities $ 2,316 $ 2,316 $ - $ - U. S. federal agency obligations 4,106 - 4,106 - Municipal obligations, tax exempt 145,862 - 145,862 - Municipal obligations, taxable 46,779 - 46,779 - Agency mortgage-backed securities 162,031 - 162,031 - Certificates of deposit 1,904 - 1,904 - Loans held for sale 8,497 - 8,497 - Derivative financial instruments 532 - 532 - Liabilities: Derivative financial instruments (50 ) - (50 ) -
Schedule of Fair Value Contractual Balance and Gain Loss On Loans Held for Sale	The aggregate fair value, contractual balance (including accrued interest), and gain on loans held for sale were as follows: Schedule of Fair Value Contractual Balance and Gain Loss On Loans Held for Sale As of As of September 30, December 31, (Dollars in thousands) 2020 2019 Aggregate fair value $ 18,253 $ 8,497 Contractual balance 17,864 8,316 Gain $ 389 $ 181
Schedule of Gains and Losses from Changes in Fair Value of Loans Held for Sale	Schedule of Gains and Losses from Changes in Fair Value of Loans Held for Sale 2020 2019 2020 2019 Three months ended Nine months ended September 30, September 30, (Dollars in thousands) 2020 2019 2020 2019 Interest income $ 148 $ 139 $ 344 $ 309 Change in fair value 105 (115 ) 208 87 Total change in fair value $ 253 $ 24 $ 552 $ 396
Schedule of Fair Value Measurements On Nonrecurring, Valuation Techniques	The following table presents quantitative information about Level 3 fair value measurements for impaired loans measured at fair value on a non-recurring basis as of September 30, 2020 and December 31, 2019. Schedule of Fair Value Measurements On Nonrecurring, Valuation Techniques (Dollars in thousands) Fair value Valuation technique Unobservable inputs Range As of September 30, 2020 Impaired loans: One-to-four family residential real estate $ 87 Sales comparison Adjustment to appraised value 0% Commercial 78 Sales comparison Adjustment to comparable sales 0% 68% Real estate owned 1,488 Sales comparison Adjustment to appraised value 10% As of December 31, 2019 Impaired loans: One-to-four family residential real estate $ 240 Sales comparison Adjustment to appraised value 0% 25% Commercial real estate 100 Sales comparison Adjustment to appraised value 0% 15% Commercial 678 Sales comparison Adjustment to comparable sales 0% 75% Agriculture 405 Sales comparison Adjustment to appraised valu 0% 30%

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	9 Months Ended
	Sep. 30, 2020
Regulatory Capital Requirements
Schedule of Compliance with Regulatory Capital Requirements for Mortgage Companies	The following is a comparison of the Company’s regulatory capital to minimum capital requirements at September 30, 2020 and December 31, 2019: Schedule of Compliance with Regulatory Capital Requirements for Mortgage Companies (Dollars in thousands) For capital Actual adequacy purposes Amount Ratio Amount Ratio (1) As of September 30, 2020 Leverage $ 116,240 10.40% $ 44,715 4.0% Common Equity Tier 1 Capital 95,240 13.19% 50,533 7.0% Tier 1 Capital 116,240 16.10% 61,361 8.5% Total Risk Based Capital 124,746 17.28% 75,799 10.5% As of December 31, 2019 Leverage $ 106,938 10.94% $ 39,109 4.0% Common Equity Tier 1 Capital 85,938 13.09% 45,952 7.0% Tier 1 Capital 106,938 16.29% 55,799 8.5% Total Risk Based Capital 113,545 17.30% 68,928 10.5% (1) The required ratios for capital adequacy purposes include a capital conservation buffer of 2.5%
Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations	The following is a comparison of the Bank’s regulatory capital to minimum capital requirements at September 30, 2020 and December 31, 2019: Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations To be well-capitalized under prompt (Dollars in thousands) For capital corrective Actual adequacy purposes action provisions Amount Ratio Amount Ratio(1) Amount Ratio As of September 30, 2020 Leverage $ 113,659 10.20% $ 44,592 4.0% $ 55,740 5.0% Common Equity Tier 1 Capital 113,659 15.76% 50,490 7.0% 46,884 6.5% Tier 1 Capital 113,659 15.76% 61,310 8.5% 57,703 8.0% Total Risk Based Capital 122,165 16.94% 75,736 10.5% 72,129 10.0% As of December 31, 2019 Leverage $ 104,510 10.72% $ 38,984 4.0% $ 48,730 5.0% Common Equity Tier 1 Capital 104,510 15.94% 45,884 7.0% 42,607 6.5% Tier 1 Capital 104,510 15.94% 55,716 8.5% 52,439 8.0% Total Risk Based Capital 111,117 16.95% 68,826 10.5% 65,549 10.0% (1) The required ratios for capital adequacy purposes include a capital conservation buffer of 2.5%

Schedule of Available-for-sale

Schedule of Available-for-sale Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Investment Holdings [Line Items]
Amortized cost	$ 287,069	$ 356,059
Gross unrealized gains	12,481	7,266
Gross unrealized losses	(20)	(327)
Estimated fair value	299,530	362,998
US Treasury Securities [Member]
Investment Holdings [Line Items]
Amortized cost	2,000	2,300
Gross unrealized gains	47	16
Gross unrealized losses
Estimated fair value	2,047	2,316
U.S. Federal Agency Obligations [Member]
Investment Holdings [Line Items]
Amortized cost	18,860	4,015
Gross unrealized gains	146	91
Gross unrealized losses	(18)
Estimated fair value	18,988	4,106
Municipal Obligations, Tax Exempt [Member]
Investment Holdings [Line Items]
Amortized cost	135,700	142,391
Gross unrealized gains	6,179	3,513
Gross unrealized losses	(2)	(42)
Estimated fair value	141,877	145,862
Municipal Obligations, Taxable [Member]
Investment Holdings [Line Items]
Amortized cost	45,414	45,541
Gross unrealized gains	2,965	1,293
Gross unrealized losses		(55)
Estimated fair value	48,379	46,779
Agency Mortgage-backed Securities [Member]
Investment Holdings [Line Items]
Amortized cost	80,421	159,908
Gross unrealized gains	3,144	2,353
Gross unrealized losses		(230)
Estimated fair value	83,565	162,031
Certificates of Deposit [Member]
Investment Holdings [Line Items]
Amortized cost	4,674	1,904
Gross unrealized gains
Gross unrealized losses
Estimated fair value	$ 4,674	$ 1,904

Schedule of Available for Sale

Schedule of Available for Sale Securities Continuous Unrealized Loss Position Fair Value (Details) $ in Thousands	Sep. 30, 2020USD ($)Number	Dec. 31, 2019USD ($)Number
Investment Holdings [Line Items]
No. of securities | Number	8	48
Fair value, Less than 12 months	$ 15,177	$ 23,974
Unrealized losses, Less than 12 months	(20)	(114)
Fair value, 12 months or longer		20,610
Unrealized losses, 12 months or longer		(213)
Total, Fair value	15,177	44,584
Total, Unrealized losses	$ (20)	$ (327)
U.S. Federal Agency Obligations [Member]
Investment Holdings [Line Items]
No. of securities | Number	5
Fair value, Less than 12 months	$ 13,848
Unrealized losses, Less than 12 months	(18)
Fair value, 12 months or longer
Unrealized losses, 12 months or longer
Total, Fair value	13,848
Total, Unrealized losses	$ (18)
Municipal Obligations, Tax Exempt [Member]
Investment Holdings [Line Items]
No. of securities | Number	3	23
Fair value, Less than 12 months	$ 1,329	$ 5,676
Unrealized losses, Less than 12 months	(2)	(16)
Fair value, 12 months or longer		3,473
Unrealized losses, 12 months or longer		(26)
Total, Fair value	1,329	9,149
Total, Unrealized losses	$ (2)	$ (42)
Municipal Obligations, Taxable [Member]
Investment Holdings [Line Items]
No. of securities | Number		4
Fair value, Less than 12 months		$ 2,563
Unrealized losses, Less than 12 months		(55)
Fair value, 12 months or longer
Unrealized losses, 12 months or longer
Total, Fair value		2,563
Total, Unrealized losses		$ (55)
Agency Mortgage-backed Securities [Member]
Investment Holdings [Line Items]
No. of securities | Number		21
Fair value, Less than 12 months		$ 15,735
Unrealized losses, Less than 12 months		(43)
Fair value, 12 months or longer		17,137
Unrealized losses, 12 months or longer		(187)
Total, Fair value		32,872
Total, Unrealized losses		$ (230)

Schedule of Investments Classif

Schedule of Investments Classified by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Schedule of Investments [Abstract]
Amortized cost, Due in less than one year	$ 12,464
Estimated fair value, Due in less than one year	12,489
Amortized cost, Due after one year but within five years	146,177
Estimated fair value, Due after one year but within five years	151,148
Amortized cost, Due after five years but within ten years	63,935
Estimated fair value, Due after five years but within ten years	67,775
Amortized cost, Due after ten years	64,493
Estimated fair value, Due after ten years	68,118
Amortized cost, Total	287,069	$ 356,059
Estimated fair value, Total	$ 299,530	$ 362,998

Schedule of Realized Gain (loss

Schedule of Realized Gain (loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Schedule of Investments [Abstract]
Sales proceeds	$ 16,655		$ 61,164	$ 9,491
Realized gains	678		2,450	2
Realized losses			(2)	(148)
Net realized losses	$ 678		$ 2,448	$ (146)

Investments (Details Narrative)

Investments (Details Narrative) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Schedule of Investments [Abstract]
Security owned and pledged as collateral, fair value, total	$ 279.9	$ 240
Equity method investment, ownership percentage	10.00%

Schedule of Loans (Details)

Schedule of Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total gross loans	$ 739,312	$ 538,392
Net deferred loan (fees)/costs and loans in process	(2,796)	255
Allowance for loan losses	(8,366)	(6,467)
Loans, net	728,150	532,180
One To Four Family Residential Real Estate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total gross loans	162,344	146,505
Construction and Land Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total gross loans	28,094	22,459
Commercial Real Estate Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total gross loans	154,804	133,501
Commercial Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total gross loans	137,286	109,612
Paycheck Protection Program Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total gross loans	130,977
Agriculture Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total gross loans	99,430	98,558
Municipal Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total gross loans	2,389	2,656
Consumer Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total gross loans	$ 23,988	$ 25,101

Schedule of Allowance for Credi

Schedule of Allowance for Credit Losses on Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Dec. 31, 2019
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Balance	$ 7,747	$ 6,266	$ 6,467	$ 5,765
Charge-offs	(407)	(411)	(803)	(594)
Recoveries	26	24	102	108
Provision for loan losses	1,000	400	2,600	1,000
Balance	8,366	6,279	8,366	6,279
Individually evaluated for loss					$ 238	$ 733
Collectively evaluated for loss					8,128	5,734
Total	8,366	6,279	6,467	5,765	8,366	6,467
Individually evaluated for loss					10,560	8,680
Collectively evaluated for loss					728,752	529,712
Loans and Leases Receivable, Gross, Total					739,312	538,392
One To Four Family Residential Real Estate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Balance	707	441	501	449
Charge-offs	(89)	(15)	(109)	(56)
Recoveries				1
Provision for loan losses	213	249	439	281
Balance	831	675	831	675
Individually evaluated for loss					213	129
Collectively evaluated for loss					618	372
Total	831	675	501	449	831	501
Individually evaluated for loss					1,259	1,256
Collectively evaluated for loss					161,085	145,249
Loans and Leases Receivable, Gross, Total					162,344	146,505
Construction and Land Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Balance	273	255	271	168
Charge-offs	(91)	(31)	(191)	(31)
Recoveries
Provision for loan losses	22	(156)	124	(69)
Balance	204	68	204	68
Individually evaluated for loss						191
Collectively evaluated for loss					204	80
Total	204	68	271	168	204	271
Individually evaluated for loss					1,198	1,479
Collectively evaluated for loss					26,896	20,980
Loans and Leases Receivable, Gross, Total					28,094	22,459
Commercial Real Estate Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Balance	1,693	1,758	1,386	1,686
Charge-offs			(120)
Recoveries			13
Provision for loan losses	264	(326)	678	(254)
Balance	1,957	1,432	1,957	1,432
Individually evaluated for loss						103
Collectively evaluated for loss					1,957	1,283
Total	1,957	1,432	1,386	1,686	1,957	1,386
Individually evaluated for loss					4,929	3,461
Collectively evaluated for loss					149,875	130,040
Loans and Leases Receivable, Gross, Total					154,804	133,501
Commercial Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Balance	2,356	1,404	1,815	1,051
Charge-offs	(167)	(284)	(200)	(324)
Recoveries	1	1	3	52
Provision for loan losses	436	490	1,008	832
Balance	2,626	1,611	2,626	1,611
Individually evaluated for loss					25	204
Collectively evaluated for loss					2,601	1,611
Total	2,626	1,611	1,815	1,051	2,626	1,815
Individually evaluated for loss					2,055	1,298
Collectively evaluated for loss					135,231	108,314
Loans and Leases Receivable, Gross, Total					137,286	109,612
Agriculture Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Balance	2,565	2,260	2,347	2,238
Charge-offs	(3)		(3)
Recoveries
Provision for loan losses	15	40	233	62
Balance	2,577	2,300	2,577	2,300
Individually evaluated for loss						106
Collectively evaluated for loss					2,577	2,241
Total	2,577	2,300	2,347	2,238	2,577	2,347
Individually evaluated for loss					1,059	1,124
Collectively evaluated for loss					98,371	97,434
Loans and Leases Receivable, Gross, Total					99,430	98,558
Municipal Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Balance	6	7	7	7
Charge-offs
Recoveries			6	6
Provision for loan losses		(1)	(7)	(7)
Balance	6	6	6	6
Individually evaluated for loss
Collectively evaluated for loss					6	7
Total	6	6	7	7	6	7
Individually evaluated for loss					58	58
Collectively evaluated for loss					2,331	2,598
Loans and Leases Receivable, Gross, Total					2,389	2,656
Consumer Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Balance	147	141	140	166
Charge-offs	(57)	(81)	(180)	(183)
Recoveries	25	23	80	49
Provision for loan losses	50	104	125	155
Balance	165	187	165	187
Individually evaluated for loss
Collectively evaluated for loss					165	140
Total	165	$ 187	140	$ 166	165	140
Individually evaluated for loss					2	4
Collectively evaluated for loss					23,986	25,097
Loans and Leases Receivable, Gross, Total					23,988	25,101
Paycheck Protection Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Balance
Balance
Individually evaluated for loss
Collectively evaluated for loss
Total
Individually evaluated for loss
Collectively evaluated for loss					130,977
Loans and Leases Receivable, Gross, Total					$ 130,977

Schedule of Impaired Financing

Schedule of Impaired Financing Receivables (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unpaid contractual principal	$ 12,898	$ 10,800
Impaired loan balance	10,560	8,680
Impaired loans without an allowance	10,157	6,524
Impaired loans with an allowance	403	2,156
Related allowance recorded	238	733
Year-to-date average loan balance	10,987	9,104
Year-to-date interest income recognized	470	584
One To Four Family Residential Real Estate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unpaid contractual principal	1,348	1,297
Impaired loan balance	1,259	1,256
Impaired loans without an allowance	959	887
Impaired loans with an allowance	300	369
Related allowance recorded	213	129
Year-to-date average loan balance	1,319	1,291
Year-to-date interest income recognized	1	10
Construction and Land Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unpaid contractual principal	2,933	3,214
Impaired loan balance	1,198	1,479
Impaired loans without an allowance	1,198	1,288
Impaired loans with an allowance		191
Related allowance recorded		191
Year-to-date average loan balance	1,225	1,631
Year-to-date interest income recognized	19	36
Commercial Real Estate Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unpaid contractual principal	4,929	3,461
Impaired loan balance	4,929	3,461
Impaired loans without an allowance	4,929	3,258
Impaired loans with an allowance		203
Related allowance recorded		103
Year-to-date average loan balance	4,946	3,489
Year-to-date interest income recognized	356	478
Commercial Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unpaid contractual principal	2,354	1,427
Impaired loan balance	2,055	1,298
Impaired loans without an allowance	1,952	416
Impaired loans with an allowance	103	882
Related allowance recorded	25	204
Year-to-date average loan balance	2,281	1,464
Year-to-date interest income recognized	32	11
Agriculture Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unpaid contractual principal	1,274	1,339
Impaired loan balance	1,059	1,124
Impaired loans without an allowance	1,059	613
Impaired loans with an allowance		511
Related allowance recorded		106
Year-to-date average loan balance	1,155	1,166
Year-to-date interest income recognized	61	48
Municipal Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unpaid contractual principal	58	58
Impaired loan balance	58	58
Impaired loans without an allowance	58	58
Impaired loans with an allowance
Related allowance recorded
Year-to-date average loan balance	58	58
Year-to-date interest income recognized	1	1
Consumer Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Unpaid contractual principal	2	4
Impaired loan balance	2	4
Impaired loans without an allowance	2	4
Impaired loans with an allowance
Related allowance recorded
Year-to-date average loan balance	3	5
Year-to-date interest income recognized

Schedule of Past Due Financing

Schedule of Past Due Financing Receivables (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	$ 3,688	$ 3,437
Loans, Non-accrual loans	6,346	5,546
Loan, Total past due and non-accrual loans	10,034	8,983
Loan, Total loans not past due	$ 729,278	$ 529,409
Percentage of gross loans, Total past due loans accruing	0.50%	0.64%
Percent of gross loans, Non-accrual loans	0.86%	1.03%
Percentage of Total past due and non-accrual loans	1.36%	1.67%
Percentage of Total loans not past due	98.64%	98.33%
Thirty To Fifty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	$ 1,571	$ 2,069
Percentage of gross loans, Total past due loans accruing	0.21%	0.39%
Sixty To Eighty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	$ 2,117	$ 1,368
Percentage of gross loans, Total past due loans accruing	0.29%	0.25%
Ninety Days or More Delinquent and Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Percentage of gross loans, Total past due loans accruing	0.00%	0.00%
One To Four Family Residential Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	$ 455	$ 672
Loans, Non-accrual loans	1,243	1,088
Loan, Total past due and non-accrual loans	1,698	1,760
Loan, Total loans not past due	160,646	144,745
One To Four Family Residential Real Estate [Member] | Thirty To Fifty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	30	79
One To Four Family Residential Real Estate [Member] | Sixty To Eighty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	425	593
One To Four Family Residential Real Estate [Member] | Ninety Days or More Delinquent and Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Construction and Land Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	598
Loans, Non-accrual loans	697	898
Loan, Total past due and non-accrual loans	1,295	898
Loan, Total loans not past due	26,799	21,561
Construction and Land Loans [Member] | Thirty To Fifty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	598
Construction and Land Loans [Member] | Sixty To Eighty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Construction and Land Loans [Member] | Ninety Days or More Delinquent and Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Commercial Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	1,654	1,844
Loans, Non-accrual loans	2,910	1,440
Loan, Total past due and non-accrual loans	4,564	3,284
Loan, Total loans not past due	150,240	130,217
Commercial Real Estate [Member] | Thirty To Fifty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing		1,137
Commercial Real Estate [Member] | Sixty To Eighty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	1,654	707
Commercial Real Estate [Member] | Ninety Days or More Delinquent and Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Commercial Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	480	578
Loans, Non-accrual loans	1,202	1,270
Loan, Total past due and non-accrual loans	1,682	1,848
Loan, Total loans not past due	135,604	107,764
Commercial Loans [Member] | Thirty To Fifty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	443	510
Commercial Loans [Member] | Sixty To Eighty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	37	68
Commercial Loans [Member] | Ninety Days or More Delinquent and Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Paycheck Protection Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Loans, Non-accrual loans
Loan, Total past due and non-accrual loans
Loan, Total loans not past due	130,977
Paycheck Protection Loans [Member] | Thirty To Fifty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Paycheck Protection Loans [Member] | Sixty To Eighty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Paycheck Protection Loans [Member] | Ninety Days or More Delinquent and Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Agriculture Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	476	316
Loans, Non-accrual loans	292	846
Loan, Total past due and non-accrual loans	768	1,162
Loan, Total loans not past due	98,662	97,396
Agriculture Loans [Member] | Thirty To Fifty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	476	316
Agriculture Loans [Member] | Sixty To Eighty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Agriculture Loans [Member] | Ninety Days or More Delinquent and Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Municipal Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Loans, Non-accrual loans
Loan, Total past due and non-accrual loans
Loan, Total loans not past due	2,389	2,656
Municipal Loans [Member] | Thirty To Fifty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Municipal Loans [Member] | Sixty To Eighty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Municipal Loans [Member] | Ninety Days or More Delinquent and Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Consumer Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	25	27
Loans, Non-accrual loans	2	4
Loan, Total past due and non-accrual loans	27	31
Loan, Total loans not past due	23,961	25,070
Consumer Loans [Member] | Thirty To Fifty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	24	27
Consumer Loans [Member] | Sixty To Eighty Nine Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	1
Consumer Loans [Member] | Ninety Days or More Delinquent and Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing

Schedule of Risk Categories by

Schedule of Risk Categories by Loan Class (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	$ 739,312	$ 538,392
One To Four Family Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	162,344	146,505
Construction and Land Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	28,094	22,459
Agriculture Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	99,430	98,558
Municipal Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	2,389	2,656
Loans Receivables Non Classified [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	714,176	520,275
Loans Receivables Non Classified [Member] | One To Four Family Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	161,026	145,311
Loans Receivables Non Classified [Member] | Construction and Land Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	26,799	21,560
Loans Receivables Non Classified [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	149,712	130,714
Loans Receivables Non Classified [Member] | Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	129,882	101,678
Loans Receivables Non Classified [Member] | Payroll Protection Loans Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	130,977
Loans Receivables Non Classified [Member] | Agriculture Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	89,405	93,259
Loans Receivables Non Classified [Member] | Municipal Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	2,389	2,656
Loans Receivables Non Classified [Member] | Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	23,986	25,097
Loans Receivables Classified [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	25,136	18,117
Loans Receivables Classified [Member] | One To Four Family Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	1,318	1,194
Loans Receivables Classified [Member] | Construction and Land Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	1,295	899
Loans Receivables Classified [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	5,092	2,787
Loans Receivables Classified [Member] | Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	7,404	7,934
Loans Receivables Classified [Member] | Payroll Protection Loans Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total
Loans Receivables Classified [Member] | Agriculture Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	10,025	5,299
Loans Receivables Classified [Member] | Municipal Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total
Loans Receivables Classified [Member] | Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	$ 2	$ 4

Schedule of Troubled Debt Restr

Schedule of Troubled Debt Restructurings On Financing Receivables (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020USD ($)Number	Dec. 31, 2019USD ($)Number
One To Four Family Residential Real Estate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Troubled debt restructurings, Number of loans | Number	1	2
Financing receivable, modifications, recorded investment, non accrual balance
Financing receivable, modifications, recorded investment, accruing balance	$ 15	$ 168
Construction and Land Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Troubled debt restructurings, Number of loans | Number	5	4
Financing receivable, modifications, recorded investment, non accrual balance	$ 697	$ 510
Financing receivable, modifications, recorded investment, accruing balance	$ 501	$ 581
Commercial Real Estate Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Troubled debt restructurings, Number of loans | Number	3	1
Financing receivable, modifications, recorded investment, non accrual balance	$ 1,227
Financing receivable, modifications, recorded investment, accruing balance	$ 2,019	$ 2,021
Commercial Loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Troubled debt restructurings, Number of loans | Number	7	1
Financing receivable, modifications, recorded investment, non accrual balance	$ 33
Financing receivable, modifications, recorded investment, accruing balance	$ 853	$ 28
Agriculture loan [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Troubled debt restructurings, Number of loans | Number	5	4
Financing receivable, modifications, recorded investment, non accrual balance
Financing receivable, modifications, recorded investment, accruing balance	$ 767	$ 278
Municipal Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Troubled debt restructurings, Number of loans | Number	1	1
Financing receivable, modifications, recorded investment, non accrual balance
Financing receivable, modifications, recorded investment, accruing balance	$ 58	$ 58
Troubled Debt Restructurings [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Troubled debt restructurings, Number of loans | Number	22	13
Financing receivable, modifications, recorded investment, non accrual balance	$ 1,957	$ 510
Financing receivable, modifications, recorded investment, accruing balance	$ 4,213	$ 3,134

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Details Narrative) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2018
Financing Receivable, Past Due [Line Items]
Impaired financing receivable loan balance charged off			$ 10,600,000		$ 8,700,000
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans			264,000	$ 171,000
Loans and leases receivable, allowance	$ 8,366,000	$ 6,279,000	8,366,000	6,279,000	6,467,000	$ 7,747,000	$ 6,266,000	$ 5,765,000
One To Four Family Residential Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Loans and leases receivable, allowance	831,000	675,000	831,000	675,000	501,000	$ 707,000	$ 441,000	$ 449,000
One To Four Family Residential Real Estate [Member] | Short-Term Repayment Plans [Member]
Financing Receivable, Past Due [Line Items]
Payments for Loans			982,000
In connection with COVID-19 pandemic [Member]
Financing Receivable, Past Due [Line Items]
Loans Payable	22,900,000		22,900,000
Three Borrowers [Member]
Financing Receivable, Past Due [Line Items]
Loans Payable	35,700,000		35,700,000
107 Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans Payable	6,800,000		6,800,000
Trouble Debt Restructurings [Member]
Financing Receivable, Past Due [Line Items]
Provision For Loan Losses Reversal		$ 1,000		$ 1,000
Loans and leases receivable, allowance	9,000		9,000		$ 9,000
Trouble Debt Restructurings [Member] | Agriculture Loans [Member]
Financing Receivable, Past Due [Line Items]
Repayments of Debt			571,000
Trouble Debt Restructurings [Member] | Commercial Loan [Member]
Financing Receivable, Past Due [Line Items]
Repayments of Debt	$ 33,000
Trouble Debt Restructurings [Member] | Commercial Real Estate Loan and Construction Loan [Member]
Financing Receivable, Past Due [Line Items]
Repayments of Debt			1,400,000
Trouble Debt Restructurings [Member] | Five Loans [Member]
Financing Receivable, Past Due [Line Items]
Proceeds from Loans			$ 827,000

Schedule of Other Intangible As

Schedule of Other Intangible Assets and Goodwill (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Finite-Lived Intangible Assets [Line Items]
Intangible assets, Gross carrying amount	$ 10,179	$ 9,278
Intangible assets, Accumulated amortization	(6,601)	(6,449)
Intangible assets, Net carrying amount	3,578	2,829
Core Deposits [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible assets, Gross carrying amount	2,018	2,018
Intangible assets, Accumulated amortization	(1,810)	(1,707)
Intangible assets, Net carrying amount	208	311
Lease Agreements [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible assets, Gross carrying amount	350	350
Intangible assets, Accumulated amortization	(312)	(278)
Intangible assets, Net carrying amount	38	72
Mortgage Servicing Rights [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible assets, Gross carrying amount	7,811	6,910
Intangible assets, Accumulated amortization	(4,479)	(4,464)
Intangible assets, Net carrying amount	$ 3,332	$ 2,446

Schedule of Finite-lived Intang

Schedule of Finite-lived Intangible Assets, Future Amortization Expense (Details) $ in Thousands	Sep. 30, 2020USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
Remainder of 2020	$ 41
2021	121
2022	58
2023	26
Total	$ 246

Schedule of Participating Mortg

Schedule of Participating Mortgage Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
SEC Schedule, 12-15, Insurance Companies, Summary of Investments, Other than Investments in Related Parties [Line Items]
Total	$ 631,348	$ 549,563
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
SEC Schedule, 12-15, Insurance Companies, Summary of Investments, Other than Investments in Related Parties [Line Items]
Total	597,604	509,101
Federal Home Loan Bank Certificates and Obligations (FHLB) [Member]
SEC Schedule, 12-15, Insurance Companies, Summary of Investments, Other than Investments in Related Parties [Line Items]
Total	$ 33,744	$ 40,462

Schedule of Servicing Asset at

Schedule of Servicing Asset at Amortized Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Balance at beginning of period	$ 2,806	$ 2,372	$ 2,446	$ 2,495
Additions	946	308	1,915	630
Amortization	(420)	(278)	(1,029)	(723)
Balance at end of period	$ 3,332	$ 2,402	$ 3,332	$ 2,402

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets (Details Narrative) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Finite-Lived Intangible Assets [Line Items]
[custom:GrossServiceFeeIncome]			$ 1,100,000	$ 1,000,000
Weighted Average [Member]
Finite-Lived Intangible Assets [Line Items]
Assumption for fair value of interests continued to be held by transferor servicing assets or liabilities weighted average default rate			1.39%		1.37%
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Write-down or Reserve, Amount	$ 235,000		$ 235,000		$ 235,000
Mortgage Loans Serviced [Member]
Finite-Lived Intangible Assets [Line Items]
Escrow deposit	9,600,000		9,600,000		4,700,000
Interest and Fee Income, Other Loans	391,000	$ 334,000
Servicing asset at fair value, amount	$ 4,100,000		$ 4,100,000		$ 5,200,000
Mortgage Loans Serviced [Member] | Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Assumption for fair value of assets or liabilities that relate to transferor's continuing involvement, discount rate			9.00%		9.00%
Assumption for fair value of assets or liabilities that relate to transferor's continuing involvement, prepayment speed			6.27%		6.00%
Mortgage Loans Serviced [Member] | Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Assumption for fair value of assets or liabilities that relate to transferor's continuing involvement, discount rate			12.00%		11.00%
Assumption for fair value of assets or liabilities that relate to transferor's continuing involvement, prepayment speed			27.69%		23.21%

Schedule of Earnings Per Share,

Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Earnings per share:
Net earnings		$ 5,427	$ 2,613	$ 13,890	$ 7,394
Weighted average common shares outstanding - basic	[1]	4,504,953	4,593,061	4,526,769	4,591,510
Assumed exercise of stock options	[1]	17,037	15,670	17,868	15,229
Weighted average common shares outstanding - diluted	[1]	4,521,990	4,608,731	4,544,637	4,606,739
Earnings per share: Basic	[1],[2]	$ 1.21	$ 0.57	$ 3.07	$ 1.61
Earnings per share: Diluted	[1],[2]	$ 1.20	$ 0.57	$ 3.06	$ 1.61
[1]	Share and per share values for the periods ended September 30, 2019 have been adjusted to give effect to the 5
[2]	Per share amounts for the periods ended September 30, 2019 have been adjusted to give effect to the 5

Schedule of Earnings Per Shar_2

Schedule of Earnings Per Share, Basic and Diluted (Details) (Parenthetical)	9 Months Ended
	Sep. 30, 2020
Earnings per share:
Stock dividend, percentage	5.00%

Earnings per Share (Details Nar

Earnings per Share (Details Narrative) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Earnings per share:
Diluted earnings per share	100,039	100,039	100,039	100,039

Schedule of Repurchase Agreemen

Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount	$ 8,400	$ 17,548
U.S. Federal Agency Obligations [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount	2,195	1,978
Agency Mortgage-backed Securities [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount	6,205	14,781
U.S. Treasury Obligations [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount		789
Overnight And Continuous [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount	8,400	17,548
Overnight And Continuous [Member] | U.S. Federal Agency Obligations [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount	2,195	1,978
Overnight And Continuous [Member] | Agency Mortgage-backed Securities [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount	6,205	14,781
Overnight And Continuous [Member] | U.S. Treasury Obligations [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount		789
Upto 30 Days [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
Upto 30 Days [Member] | U.S. Federal Agency Obligations [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
Upto 30 Days [Member] | Agency Mortgage-backed Securities [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
Upto 30 Days [Member] | U.S. Treasury Obligations [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
30 - 90 Days [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
30 - 90 Days [Member] | U.S. Federal Agency Obligations [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
30 - 90 Days [Member] | Agency Mortgage-backed Securities [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
30 - 90 Days [Member] | U.S. Treasury Obligations [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
Greater Than 90 Days [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
Greater Than 90 Days [Member] | U.S. Federal Agency Obligations [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
Greater Than 90 Days [Member] | Agency Mortgage-backed Securities [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount
Greater Than 90 Days [Member] | U.S. Treasury Obligations [Member]
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Assets sold under agreements to repurchase, carrying amount

Repurchase Agreements (Details

Repurchase Agreements (Details Narrative) - Repurchase Agreements [Member] - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
SEC Schedule, 12-15, Insurance Companies, Summary of Investments, Other than Investments in Related Parties [Line Items]
Customer funds	$ 8.4	$ 17.5
Debt instrument, collateral amount	$ 11.1	$ 20.1

Schedule of Revenue from Contra

Schedule of Revenue from Contracts with Customers Within Non-interest Income (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Revenue from Contract with Customer [Abstract]
Service charges on deposits overdraft fees		$ 780	$ 979	$ 2,196	$ 2,633
Service charges on deposits other		169	165	479	435
Interchange income		689	532	1,817	1,505
Loan servicing fees	[1]	391	344	1,115	1,017
Office lease income	[1]	164	158	488	481
Gains on sales of loans	[1]	4,944	2,081	10,961	4,943
Bank owned life insurance income	[1]	152	159	460	478
Gains on sales of investment securities	[1]	678		2,448	(146)
Gains on sales of real estate owned		7	(2)	(38)	2
Other		191	139	564	451
Total non-interest income		$ 8,165	$ 4,555	$ 20,490	$ 11,799
[1]	Not within the scope of ASC 606.

Schedule of Fair Value, by Bala

Schedule of Fair Value, by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available-for-sale	$ 299,530	$ 362,998
Loans held for sale	18,253	8,497
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	15,820	13,694
Investment securities available-for-sale	2,047	2,316
Loans, net
Loans held for sale
Accrued interest receivable	10	2
Derivative financial instruments
Non-maturity deposits	(830,344)	(687,985)
Time deposits
FHLB borrowings
Subordinated debentures
Other borrowings
Accrued interest payable
Derivative financial instruments
Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents
Investment securities available-for-sale	297,483	360,682
Loans, net
Loans held for sale	18,253	8,497
Accrued interest receivable	1,613	1,895
Derivative financial instruments	2,366	532
Non-maturity deposits
Time deposits	(127,916)	(146,390)
FHLB borrowings	(20,064)	(3,000)
Subordinated debentures	(15,164)	(19,527)
Other borrowings	(8,400)	(17,548)
Accrued interest payable	(213)	(404)
Derivative financial instruments	(227)	(50)
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents
Investment securities available-for-sale
Loans, net	743,867	538,427
Loans held for sale
Accrued interest receivable	3,672	2,660
Derivative financial instruments
Non-maturity deposits
Time deposits
FHLB borrowings
Subordinated debentures
Other borrowings
Accrued interest payable
Derivative financial instruments
Fair Value Measured at Net Asset Value Per Share [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	15,820	13,694
Investment securities available-for-sale	299,530	362,998
Loans, net	743,867	538,427
Loans held for sale	18,253	8,497
Accrued interest receivable	5,295	4,557
Derivative financial instruments	2,366	532
Non-maturity deposits	(830,344)	(687,985)
Time deposits	(127,916)	(146,390)
FHLB borrowings	(7,995)	(3,000)
Subordinated debentures	(15,164)	(19,527)
Other borrowings	(8,400)	(17,548)
Accrued interest payable	(213)	(404)
Derivative financial instruments	(227)	(50)
Reported Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	15,820	13,694
Investment securities available-for-sale	299,530	362,998
Bank stocks, at cost	4,459	3,109
Loans, net	728,150	532,180
Loans held for sale	18,253	8,497
Accrued interest receivable	5,295	4,557
Derivative financial instruments	2,366	532
Non-maturity deposits	(830,344)	(687,985)
Time deposits	(127,598)	(147,063)
FHLB borrowings	(20,069)	(3,000)
Subordinated debentures	(21,651)	(21,651)
Other borrowings	(8,400)	(17,548)
Accrued interest payable	(213)	(404)
Derivative financial instruments	$ (227)	$ (50)

Schedule of Fair Value, Assets

Schedule of Fair Value, Assets Measured On Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	$ 299,530	$ 362,998
Loans held for Sale	18,253	8,497
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	2,047	2,316
Loans held for Sale
Assets: Derivative financial instruments
Liabilities: Derivative financial instruments
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	297,483	360,682
Loans held for Sale	18,253	8,497
Assets: Derivative financial instruments	2,366	532
Liabilities: Derivative financial instruments	227	50
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Loans held for Sale
Assets: Derivative financial instruments
Liabilities: Derivative financial instruments
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for Sale	18,253	8,497
Assets: Derivative financial instruments	2,366	532
Liabilities: Derivative financial instruments	(227)	(50)
Fair Value, Recurring [Member] | Municipal Obligations, Tax Exempt [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	141,877	145,862
Fair Value, Recurring [Member] | Municipal Obligations, Taxable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	48,379	46,779
Fair Value, Recurring [Member] | Agency Mortgage-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	83,565	162,031
Fair Value, Recurring [Member] | Certificates of Deposit [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	4,674	1,904
Fair Value, Recurring [Member] | U.S. Federal Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	18,988	4,106
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for Sale
Assets: Derivative financial instruments
Liabilities: Derivative financial instruments
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Municipal Obligations, Tax Exempt [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Municipal Obligations, Taxable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Agency Mortgage-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Certificates of Deposit [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | U.S. Federal Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for Sale	18,253	8,497
Assets: Derivative financial instruments	2,366	532
Liabilities: Derivative financial instruments	(227)	(50)
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Municipal Obligations, Tax Exempt [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	141,877	145,862
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Municipal Obligations, Taxable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	48,379	46,779
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Agency Mortgage-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	83,565	162,031
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Certificates of Deposit [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	4,674	1,904
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | U.S. Federal Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	18,988	4,106
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for Sale
Assets: Derivative financial instruments
Liabilities: Derivative financial instruments
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Municipal Obligations, Tax Exempt [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Municipal Obligations, Taxable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Agency Mortgage-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Certificates of Deposit [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | U.S. Federal Agency Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | US Treasury Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	2,047	2,316
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	2,047	2,316
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale

Schedule of Fair Value Contract

Schedule of Fair Value Contractual Balance and Gain Loss On Loans Held for Sale (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Aggregate fair value	$ 18,253	$ 8,497
Contractual balance	17,864	8,316
Gain	$ 389	$ 181

Schedule of Gains and Losses fr

Schedule of Gains and Losses from Changes in Fair Value of Loans Held for Sale (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Fair Value Disclosures [Abstract]
Interest income	$ 148	$ 139	$ 344	$ 309
Change in fair value	105	(115)	208	87
Total change in fair value	$ 253	$ 24	$ 552	$ 396

Schedule of Fair Value Measurem

Schedule of Fair Value Measurements On Nonrecurring, Valuation Techniques (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
One To Four Family Residential Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Fair Value Disclosure	$ 87	$ 240
Fair Value Measurements, Valuation Techniques	Sales comparison	Sales comparison
Fair Value Measurements, Unobservable inputs	Adjustment to appraised value	Adjustment to appraised value
Fair Value Measurements Range	0.00%
Real estate owned Fair Value Disclosure	$ 1,488
Fair Value Measurements, Real estate owned Valuation Techniques	Sales comparison
Fair Value Measurements, Real estate owned Unobservable inputs	Adjustment to appraised value
Fair Value Measurements Real estate owned Range	10.00%
One To Four Family Residential Real Estate [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Measurements Range		0.00%
One To Four Family Residential Real Estate [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Measurements Range		25.00%
Commercial Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Fair Value Disclosure	$ 78	$ 678
Fair Value Measurements, Valuation Techniques	Sales comparison	Sales comparison
Fair Value Measurements, Unobservable inputs	Adjustment to comparable sales	Adjustment to comparable sales
Commercial Loan [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Measurements Range	0.00%	0.00%
Commercial Loan [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Measurements Range	68.00%	75.00%
Commercial Real Estate Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Fair Value Disclosure		$ 100
Fair Value Measurements, Valuation Techniques		Sales comparison
Fair Value Measurements, Unobservable inputs		Adjustment to appraised value
Commercial Real Estate Loans [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Measurements Range		0.00%
Commercial Real Estate Loans [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Measurements Range		15.00%
Agriculture loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Fair Value Disclosure		$ 405
Fair Value Measurements, Valuation Techniques		Sales comparison
Fair Value Measurements, Unobservable inputs		Adjustment to appraised valu
Agriculture loan [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Measurements Range		0.00%
Agriculture loan [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Measurements Range		30.00%

Fair Value of Financial Instr_3

Fair Value of Financial Instruments and Fair Value Measurements (Details Narrative) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Impaired Financing Receivable, Recorded Investment	$ 10,560	$ 8,680
Impaired Financing Receivable, Related Allowance	$ 238	$ 733

Schedule of Compliance with Reg

Schedule of Compliance with Regulatory Capital Requirements for Mortgage Companies (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Entity Listings [Line Items]
Leverage - For capital adequacy purposes Ratio		4.00%
Common Equity Tier 1 Capital - For capital adequacy purposes Ratio		4.50%
Tier 1 Capital - For capital adequacy purposes Ratio		6.00%
Total Risk Based Capital - For capital adequacy purposes Ratio		8.00%
Companys Regulatory Capital Requirements [Member]
Entity Listings [Line Items]
Leverage - Actual Amount		$ 116,240	$ 106,938
Leverage - Actual Ratio		10.40%	10.94%
Leverage - For capital adequacy purposes Amount		$ 44,715	$ 39,109
Leverage - For capital adequacy purposes Ratio	[1]	4.00%	4.00%
Common Equity Tier 1 Capital - Actual Amount		$ 95,240	$ 85,938
Common Equity Tier 1 Capital - Actual Ratio		13.19%	13.09%
Common Equity Tier 1 Capital - For capital adequacy purposes Amount		$ 50,533	$ 45,952
Common Equity Tier 1 Capital - For capital adequacy purposes Ratio	[1]	7.00%	7.00%
Tier 1 Capital - Actual Amount		$ 116,240	$ 106,938
Tier 1 Capital - Actual Ratio		16.10%	16.29%
Tier 1 Capital - For capital adequacy purposes Amount		$ 61,361	$ 55,799
Tier 1 Capital - For capital adequacy purposes Ratio	[1]	8.50%	8.50%
Total Risk Based Capital - Actual Amount		$ 124,746	$ 113,545
Total Risk Based Capital - Actual Ratio		17.28%	17.30%
Total Risk Based Capital - For capital adequacy purposes Amount		$ 75,799	$ 68,928
Total Risk Based Capital - For capital adequacy purposes Ratio	[1]	10.50%	10.50%
[1]	The required ratios for capital adequacy purposes include a capital conservation buffer of 2.5%

Schedule of Compliance with R_2

Schedule of Compliance with Regulatory Capital Requirements for Mortgage Companies (Details) (Parenthetical)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Companys Regulatory Capital Requirements [Member]
Entity Listings [Line Items]
Tier one capital conversation buffer	2.50%	2.50%

Schedule of Compliance with R_3

Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Entity Listings [Line Items]
Tier 1 Capital - For capital adequacy purposes Ratio		4.00%
Common Equity Tier 1 Capital - For capital adequacy purposes Ratio		4.50%
Common Equity Tier 1 Capital - For capital adequacy purposes Ratio		6.00%
Tier 1 Capital - Actual Ratio		8.00%
Banks Regulatory Capital Requirements [Member]
Entity Listings [Line Items]
Leverage - Actual Amount		$ 113,659	$ 104,510
Leverage - Actual Ratio		10.20%	10.72%
Leverage - For capital adequacy purposes Amount		$ 44,592	$ 38,984
Tier 1 Capital - For capital adequacy purposes Ratio	[1]	4.00%	4.00%
Leverage - To be well-capitalized under prompt corrective action provisions Amount		$ 55,740	$ 48,730
Leverage - To be well-capitalized under prompt corrective action provisions Ratio		5.00%	5.00%
Common Equity Tier 1 Capital - Actual Amount		$ 113,659	$ 104,510
Common Equity Tier 1 Capital - Actual Ratio		15.76%	15.94%
Common Equity Tier 1 Capital - For capital adequacy purposes Amount		$ 50,490	$ 45,884
Common Equity Tier 1 Capital - For capital adequacy purposes Ratio	[1]	7.00%	7.00%
Common Equity Tier 1 Capital - To be well-capitalized under prompt corrective action provisions Amount		$ 46,884	$ 42,607
Common Equity Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets		6.50%	6.50%
Tier 1 Capital - Actual Amount		$ 113,659	$ 104,510
Tier 1 Capital - Actual Ratio		15.76%	15.94%
Tier 1 Capital - For capital adequacy purposes Amount		$ 61,310	$ 55,716
Common Equity Tier 1 Capital - For capital adequacy purposes Ratio	[1]	8.50%	8.50%
Tier 1 Capital - To be well-capitalized under prompt corrective action provisions Amount		$ 57,703	$ 52,439
Tier 1 Capital - To be well-capitalized under prompt corrective action provisions Ratio		8.00%	8.00%
Total Risk Based Capital - Actual Amount		$ 122,165	$ 111,117
Total Risk Based Capital - Actual Ratio		16.94%	16.95%
Total Risk Based Capital - For capital adequacy purposes Amount		$ 75,736	$ 68,826
Tier 1 Capital - Actual Ratio	[1]	10.50%	10.50%
Total Risk Based Capital - To be well-capitalized under prompt corrective action provisions Amount		$ 72,129	$ 65,549
Total Risk Based Capital - To be well-capitalized under prompt corrective action provisions Ratio		10.00%	10.00%
[1]	The required ratios for capital adequacy purposes include a capital conservation buffer of 2.5%

Schedule of Compliance with R_4

Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations (Details) (Parenthetical)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Banks Regulatory Capital Requirements [Member]
Entity Listings [Line Items]
Tier one capital conversation buffer	2.50%	2.50%

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details Narrative) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Obligation with Joint and Several Liability Arrangement [Line Items]
Assets, total	$ 1,148,942	$ 998,465
Common equity tier one risk based capital required for capital adequacy to risk weighted assets	4.50%
Tier one risk based capital required for capital adequacy to risk weighted assets	6.00%
Capital required for capital adequacy to risk weighted assets	8.00%
Tier one leverage capital required for capital adequacy to average assets	4.00%
Capital Conservation Buffer [Member]
Obligation with Joint and Several Liability Arrangement [Line Items]
Tier one capital conversation buffer	2.50%
Small Bank Holding Companies [Member]
Obligation with Joint and Several Liability Arrangement [Line Items]
Assets, total	$ 3,000,000