Landmark Bancorp (LARK) 10-K 22 Mar 22 2021 FY Annual report Financial data

Cover

Cover - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Mar. 21, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 2021
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2021
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 Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float			$ 92.7
Entity Common Stock, Shares Outstanding		4,997,459
Documents Incorporated by Reference	Portions of the Proxy Statement for the Annual Meeting of Stockholders of the registrant to be held on May 18, 2022, are incorporated by reference in Part III hereof, to the extent indicated herein.
ICFR Auditor Attestation Flag	false
Auditor Name	Crowe LLP
Auditor Location	Dallas, Texas
Auditor Firm ID	173

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and cash equivalents	$ 189,213	$ 84,818
Interest-bearing deposits at other banks	7,378	5,460
Investment securities available-for-sale, at fair value	380,717	291,810
Bank stocks, at cost	2,905	4,473
Loans, net of allowance for loans losses of $8,775 and $8,775	653,233	702,782
Loans held for sale, at fair value	4,795	15,533
Bank owned life insurance	32,106	25,420
Premises and equipment, net	20,803	20,493
Goodwill	17,532	17,532
Other intangible assets, net	84	206
Mortgage servicing rights	4,193	3,726
Real estate owned, net	2,551	1,774
Accrued interest and other assets	13,458	14,000
Total assets	1,328,968	1,188,027
Deposits:
Non-interest bearing demand	350,005	264,878
Money market and checking	536,868	491,275
Savings	155,501	126,124
Certificates of deposit	106,107	133,750
Total deposits	1,148,481	1,016,027
Subordinated debentures	21,651	21,651
Other borrowings	7,403	6,371
Accrued interest and other liabilities	15,790	17,306
Total liabilities	1,193,325	1,061,355
Commitments and contingencies
Stockholders’ equity:
Preferred stock, $0.01 par, 200,000 shares authorized; none issued
Common stock, $0.01 par, 7,500,000 shares authorized; 4,997,459 and 4,750,838 shares issued and outstanding at December 31, 2021 and 2020, respectively	50	48
Additional paid-in capital	79,120	72,230
Retained earnings	52,593	44,947
Accumulated other comprehensive income	3,880	9,447
Total stockholders’ equity	135,643	126,672
Total liabilities and stockholders’ equity	$ 1,328,968	$ 1,188,027

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Allowance for loans losses	$ 8,775	$ 8,775
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	4,997,459	4,750,838
Common stock, shares outstanding	4,997,459	4,750,838

Consolidated Statements of Earn

Consolidated Statements of Earnings - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest income:
Loans		$ 33,612	$ 31,797	$ 27,669
Investment securities:
Taxable		3,192	4,177	5,796
Tax-exempt		3,022	3,279	3,646
Total interest income		39,826	39,253	37,111
Interest expense:
Deposits		1,023	2,105	5,341
Subordinated debentures		472	614	970
Borrowings		11	50	446
Total interest expense		1,506	2,769	6,757
Net interest income		38,320	36,484	30,354
Provision for loan losses		500	3,300	1,400
Net interest income after provision for loan losses		37,820	33,184	28,954
Non-interest income:
Fees and service charges		8,857	8,091	7,737
Gains on sales of loans, net	[1]	10,487	15,155	6,353
Increase in cash surrender value of bank owned life insurance	[1]	686	611	752
Gains (losses) on sales of investment securities, net		1,138	2,448	(177)
Other		1,093	1,053	1,144
Total non-interest income		22,261	27,358	15,809
Non-interest expense:
Compensation and benefits		20,157	20,657	17,792
Occupancy and equipment		4,482	4,432	4,470
Data processing		2,016	1,831	1,646
Amortization of mortgage servicing rights and other intangibles		1,601	1,602	1,206
Professional fees		1,831	1,584	1,683
Other		7,169	6,156	5,851
Total non-interest expense		37,256	36,262	32,648
Earnings before income taxes		22,825	24,280	12,115
Income tax expense		4,814	4,787	1,453
Net earnings		$ 18,011	$ 19,493	$ 10,662
Earnings per share (1):
Basic	[2]	$ 3.61	$ 3.91	$ 2.11
Diluted	[2]	$ 3.60	$ 3.91	$ 2.10
[1]	Not within the scope of ASC 606.
[2]	All per share amounts have been adjusted to give effect to the 5

Consolidated Statements of Ea_2

Consolidated Statements of Earnings (Parenthetical)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Consolidated Statements Of Earnings
Stock dividend percentage	5.00%	5.00%	5.00%

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Statement [Abstract]
Net earnings	$ 18,011	$ 19,493	$ 10,662
Net unrealized holding (losses) gains on available-for-sale securities	(6,236)	8,021	12,048
Less reclassification adjustment on (gains) losses included in earnings	(1,138)	(2,448)	177
Net unrealized (losses) gains	(7,374)	5,573	12,225
Income tax effect on net gains (losses) included in earnings	279	600	(43)
Income tax effect on net unrealized holding losses (gains)	1,528	(1,965)	(2,952)
Other comprehensive (loss) income	(5,567)	4,208	9,230
Total comprehensive income	$ 12,444	$ 23,701	$ 19,892

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands		Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Treasury Stock [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Dec. 31, 2018		$ 44	$ 63,775	$ 32,073		$ (3,991)	$ 91,901
Net earnings				10,662			10,662
Other comprehensive loss						9,230	9,230
Dividends paid	[1]			(3,508)			(3,508)
Issuance of restricted common stock
Stock-based compensation			286				286
Exercise of stock options	[2]		36				36
Stock dividend		2	4,932	(4,934)
Balance at Dec. 31, 2019		46	69,029	34,293		5,239	108,607
Net earnings				19,493			19,493
Other comprehensive loss						4,208	4,208
Dividends paid	[1]			(3,633)			(3,633)
Issuance of restricted common stock
Stock-based compensation			304				304
Purchase of 106,894 treasury shares					(2,349)		(2,349)
Exercise of stock options	[2]		42				42
Stock dividend		2	2,855	(5,206)	2,349
Balance at Dec. 31, 2020		48	72,230	44,947		9,447	126,672
Net earnings				18,011			18,011
Other comprehensive loss						(5,567)	(5,567)
Dividends paid	[1]			(3,818)			(3,818)
Issuance of restricted common stock
Stock-based compensation			323				323
Exercise of stock options	[2]		22				22
Stock dividend		2	6,545	(6,547)
Balance at Dec. 31, 2021		$ 50	$ 79,120	$ 52,593		$ 3,880	$ 135,643
[1]	Dividends per share have been adjusted to give effect to the 5
[2]	Shares from the exercise of stock options are shown net of forfeitures realted to cashless exercises.

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Dividend per share	$ 0.76	$ 0.73	$ 0.69
Issuance of restricted common stock	2,880	17,350	3,416
Eexercise of stock option, shares	6,172	19,030	3,275
Percentage of stocks dividend	5.00%	5.00%	5.00%
Stock dividends	237,569	225,650	218,589
Treasury shares		106,894
Percentage of stocks dividend	5.00%	5.00%	5.00%

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net earnings		$ 18,011	$ 19,493	$ 10,662
Adjustments to reconcile net earnings to net cash provided by operating activities:
Provision for loan losses		500	3,300	1,400
Valuation allowance on real estate owned		48	19	31
Amortization of investment security premiums, net		2,078	1,219	1,682
Amortization of purchase accounting adjustment on loans		(55)	(67)	(48)
Amortization of intangibles		1,601	1,602	1,206
Depreciation		997	987	1,018
Increase in cash surrender value of bank owned life insurance	[1]	(686)	(611)	(752)
Stock-based compensation		323	304	286
Deferred income taxes		808	(503)	(195)
Net (gain) loss on investment securities		(1,138)	(2,448)	177
Net loss (gain) on sales of premises and equipment and foreclosed assets		5	29	(52)
Net gains on sales of loans	[1]	(10,487)	(15,155)	(6,353)
Proceeds from sale of loans		344,187	407,978	207,187
Origination of loans held for sale		(324,908)	(402,564)	(205,532)
Changes in assets and liabilities:
Accrued interest and other assets		611	(2,606)	817
Accrued interest, expenses and other liabilities		(736)	3,833	(2,427)
Net cash provided by operating activities		31,159	14,810	9,107
Cash flows from investing activities:
Net decrease (increase) in loans		47,840	(175,721)	(44,641)
Net change in interest-bearing deposits at banks		(1,918)	(3,556)	5,886
Maturities and prepayments of investment securities		60,904	56,945	67,704
Purchases of investment securities		(174,748)	(42,022)	(53,195)
Proceeds from sale of investment securities		16,623	61,163	15,318
Redemption of bank stocks		2,418	3,001	7,852
Purchase of bank stocks		(850)	(4,365)	(6,185)
Proceeds from sales of premises and equipment and foreclosed assets		601	366	258
Proceeds from bank owned life insurance				284
Purchase of bank owned life insurance		(6,000)
Purchases of premises and equipment, net		(1,324)	(359)	(1,038)
Net cash used in investing activities		(56,454)	(104,548)	(7,757)
Cash flows from financing activities:
Net increase in deposits		132,454	180,979	11,400
Federal Home Loan Bank advance borrowings			161,170	430,322
Federal Home Loan Bank advance repayments			(164,170)	(447,322)
Proceeds from other borrowings		1,032	1,075	2,302
Repayments on other borrowings			(12,252)
Proceeds from exercise of stock options		22	42	36
Payment of dividends		(3,818)	(3,633)	(3,508)
Purchase of treasury stock			(2,349)
Net cash provided by (used in) financing activities		129,690	160,862	(6,770)
Net increase (decrease) in cash and cash equivalents		104,395	71,124	(5,420)
Cash and cash equivalents at beginning of year		84,818	13,694	19,114
Cash and cash equivalents at end of year		189,213	84,818	13,694
Supplemental disclosure of cash flow information:
Cash payments paid during the year for income taxes		4,458	4,135	722
Cash paid during the year for interest		1,549	3,005	6,795
Cash paid during the year for operating leases		141	179	163
Supplemental schedule of noncash investing and financing activities:
Transfer of loans to real estate owned		1,264	1,886	482
Operating lease asset and related liability recorded		$ 219		$ 353
[1]	Not within the scope of ASC 606.

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	(1) Summary of Significant Accounting Policies Principles of Consolidation Use of Estimates Business Combinations Reserve Requirements Cash Flows Interest-Bearing Deposits in Banks Investment Securities The Company performs quarterly reviews of the investment portfolio to evaluate investment for other-than-temporary impairment. The initial review begins with all securities in an unrealized loss position. The Company’s assessment of other-than-temporary impairment is based on its judgment of the specific facts and circumstances impacting each individual security at the time such assessments are made. The Company reviews and considers all factual information, including expected cash flows, the structure of the security, the credit quality of the underlying assets and the current and anticipated market conditions. Any credit-related impairment on debt securities is recorded through a charge to earnings. Impairment related to other factors is recognized in other comprehensive income. However, if the Company intends to sell or it is more likely than not that it will be required to sell a security in an unrealized loss position before recovery of its amortized costs basis, the entire impairment is recorded through a charge to earnings. Bank Stocks Acquired Loans Loans A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining if a loan is impaired include payment status, probability of collecting scheduled principal and interest payments when due and value of collateral for collateral dependent loans. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. In addition, the Company classifies troubled debt restructurings (“TDR”) as impaired loans. A loan is classified as a TDR if the Company modifies a loan with any concessions, as defined by accounting guidance, to a borrower experiencing financial difficulty. The allowance recorded on impaired loans is measured on a loan-by-loan basis for commercial, commercial real estate, agriculture and construction and land loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Large groups of homogeneous loans with smaller individual balances are collectively evaluated for impairment. Accordingly, the Company generally does not separately identify individual consumer and residential loans for impairment disclosures. 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 CARES Act and federal regulatory guidance permit banks to suspend requirements under GAAP for loan modifications to borrowers affected by COVID-19 that would otherwise be characterized as TDRs if the loan meets certain criteria. The CARES Act requires the borrower to be 30 days or less past due at December 31, 2019 and the loan modification be related to the deferral of principal or interest or a change to the interest rate. The federal regulatory guidance criteria indicates that a loan modification should be short-term and the borrower be less than 30 days past due at the time of the modification. 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 the principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on non-accrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are evaluated individually and are returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. Allowance for Loan Losses In addition to the general component the allowance consists of a specific component. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans Held for Sale Mortgage loans held for sale are generally sold with servicing rights retained. The carrying value of mortgage loans sold is reduced by the amount allocated to the servicing right. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold. Mortgage Servicing Rights Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are included in amortization expense on the income statement. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds, default rates and losses. Transfers of Financial Assets Mortgage Loan Repurchase Reserve Premises and Equipment Bank Owned Life Insurance Goodwill and Intangible Assets Intangible assets include core deposit intangibles and lease intangibles. Core deposit intangible assets are amortized over their estimated useful life of ten years on an accelerated basis. Lease intangible assets are amortized over the life of the lease. When facts and circumstances indicate potential impairment, the Company will evaluate the recoverability of the intangible asset’s carrying value, using estimates of undiscounted future cash flows over the remaining asset life. Any impairment loss is measured by the excess of carrying value over fair value. Income Taxes greater than 50 percent likelihood of being realized upon ultimate settlement Loan Commitments and Related Financial Instruments Loss Contingencies Comprehensive Income Real Estate Owned Stock-Based Compensation Earnings per Share 51,088 99,364 110,293 The shares used in the calculation of basic and diluted earnings per share, which have been adjusted to give effect to the 5 Schedule of Earnings Per Share, Basic and Diluted 2021 2020 2019 (Dollars in thousands, except per share amounts) Years ended December 31, 2021 2020 2019 Net earnings available to common shareholders $ 18,011 $ 19,493 $ 10,662 Weighted average common shares outstanding - basic 4,994,546 4,987,322 5,063,402 Assumed exercise of stock options 12,066 4,579 15,260 Weighted average common shares outstanding - diluted 5,006,612 4,991,901 5,078,662 Earnings per share: Basic $ 3.61 $ 3.91 $ 2.11 Diluted $ 3.60 $ 3.91 $ 2.10 Derivative Financial Instruments Dividend Restriction Fair Value of Financial Instruments Reclassifications

Impact of Recent Accounting Pro

Impact of Recent Accounting Pronouncements	12 Months Ended
	Dec. 31, 2021
Accounting Changes and Error Corrections [Abstract]
Impact of Recent Accounting Pronouncements	(2) 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. Under prior GAAP, a purchased loan’s contractual balance was adjusted to fair value through a credit discount, and no reserve was 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 oblige 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. 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 has initiated 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 January 2017, the FASB issued ASU 2017-04, Intangibles – Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment. The amendments in this update simplify the subsequent measurement of goodwill by eliminating Step 2 from the goodwill impairment test. The amendments require an entity to perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount and recognizing an impairment charge for the amount by which the carrying amount exceeds the reporting unit’s fair value, not to exceed the total amount of goodwill allocated to that reporting unit. Additionally, an entity should consider income tax effects from any tax deductible goodwill on the carrying amount of the reporting unit when measuring the goodwill impairment loss, if applicable. The amendments also eliminate the requirement for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. The amendments in this ASU are effective for annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2019. In October 2019, the FASB approved a change in the effective dates for ASU 2017-04 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 ASU 2017-04 until January 1, 2023. Early adoption of the amendments of this ASU is permitted. The adoption of ASU 2017-04 is not expected to have a material effect on the Company’s operating results or financial condition. In May 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting. Reference rate reform relates to the effects undertaken to eliminate certain reference rates such as the London Interbank Offered Rate (“LIBOR”) and introduce new reference rates that may be based on larger or more liquid observations and transactions. ASU 2020-04 provides optional expedients and exceptions for applying GAAP to contracts, hedging relationships and other contracts. Generally, ASU 2020-04 would allow entities to consider contract modifications due to reference rate reform to be a continuation of an existing contract; thus, the Company would not have to determine if the modification is considered insignificant. The Company is in the process of reviewing loan documentation, along with the transition procedures it will need in order to implement reference rate reform. While the Company has yet to adopt ASU 2020-04, the standard was effective upon issuance and terminates December 31, 2022 such that changes made to contracts beginning on or after January 1, 2023 would not apply. The adoption of ASU 2020-04 is not expected to have a material effect on the Company’s operating results or financial condition.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2021
Schedule of Investments [Abstract]
Investment Securities	(3) Investment Securities A summary of investment securities available-for-sale is as follows: Schedule of Available-for-sale Securities (Dollars in thousands) As of December 31, 2021 Gross Gross Amortized unrealized unrealized Estimated cost gains losses fair value U. S. treasury securities $ 43,098 $ - $ (423 ) $ 42,675 U. S. federal agency obligations 17,165 67 (37 ) 17,195 Municipal obligations, tax exempt 133,558 4,488 (62 ) 137,984 Municipal obligations, taxable 39,011 1,171 (136 ) 40,046 Agency mortgage-backed securities 142,747 1,339 (1,269 ) 142,817 Total $ 375,579 $ 7,065 $ (1,927 ) $ 380,717 As of December 31, 2020 Gross Gross Amortized unrealized unrealized Estimated cost gains losses fair value U. S. treasury securities $ 2,000 $ 37 $ - $ 2,037 U. S. federal agency obligations 18,804 138 (18 ) 18,924 Municipal obligations, tax exempt 136,321 6,367 (12 ) 142,676 Municipal obligations, taxable 46,643 2,892 - 49,535 Agency mortgage-backed securities 75,530 3,108 - 78,638 Total $ 279,298 $ 12,542 $ (30 ) $ 291,810 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 December 31, 2021 and 2020. 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. Schedule of Available for Sale Securities Continuous Unrealized Loss Position Fair Value (Dollars in thousands) As of December 31, 2021 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. treasury securities 28 $ 42,675 $ (423 ) $ - $ - $ 42,675 $ (423 ) U. S. federal agency obligations 6 $ 12,073 $ (30 ) $ 3,048 $ (7 ) 15,121 (37 ) Municipal obligations, tax exempt 37 12,411 (46 ) 1,879 (16 ) 14,290 (62 ) Municipal obligations, taxable 13 8,802 (136 ) - - 8,802 (136 ) Agency mortgage-backed securities 28 95,028 (1,269 ) - - 95,028 (1,269 ) Total 112 $ 170,989 $ (1,904 ) $ 4,927 $ (23 ) $ 175,916 $ (1,927 ) As of December 31, 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 4 $ 11,772 $ (18 ) $ $ $ 11,772 $ (18 ) Municipal obligations, tax exempt 12 4,191 (12 ) - - 4,191 (12 ) Total 16 $ 15,963 $ (30 ) $ - $ - $ 15,963 $ (30 ) The Company’s U.S. treasury portfolio consists of securities issued by the United States Department of the Treasury. The receipt of principal and interest on U.S. treasury securities is guaranteed by the full faith and credit of the U.S. government. Based on these factors, along with the Company’s intent to not sell the security and its belief that it was more likely than not that the Company will not be required to sell the security before recovery of its cost basis, the Company believed that the U.S. treasury security identified in the tables above was temporarily impaired. The Company’s U.S. federal agency portfolio consists of securities issued by the government-sponsored agencies of Federal Home Loan Mortgage Corporation (“FHLMC”), Federal National Mortgage Association (“FNMA”) and the 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. The Company’s portfolio of municipal obligations consists of both tax-exempt and taxable general obligations securities issued by various municipalities. As of December 31, 2021, the Company did not intend to sell and it is 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 its cost. 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. The Company’s agency mortgage-backed securities portfolio consists of securities underwritten to the standards of and guaranteed by the government-sponsored agencies of FHLMC, FNMA and the Government National Mortgage Association. The receipt of principal, at par, and interest on agency mortgage-backed securities is guaranteed by the respective government-sponsored agency guarantor, such that the Company believed that its agency mortgage-backed securities did not expose the Company to credit-related losses. Based on these factors, along with the Company’s intent to not sell the securities and the Company’s 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 agency mortgage-backed securities identified in the tables above were temporarily impaired. The table below 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. The amortized cost and fair value of investment securities at December 31, 2021 are as follows: Schedule of Investments Classified by Contractual Maturity Date (Dollars in thousands) Amortized Estimated cost fair value Due in less than one year $ 18,859 $ 18,921 Due after one year but within five years 256,749 257,619 Due after five years but within ten years 52,372 54,243 Due after ten years 47,599 49,934 Total $ 375,579 $ 380,717 Sales proceeds and gross realized gains and losses on sales of available-for-sale securities are as follows: Schedule of Realized Gain (loss) 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Sales proceeds $ 16,623 $ 61,163 $ 15,318 Realized gains $ 1,138 $ 2,449 $ 2 Realized losses - (1 ) (179 ) Net realized gains $ 1,138 $ 2,448 $ (177 ) Securities with carrying values of $ 331.7 279.2 10

Bank Stocks

Bank Stocks	12 Months Ended
	Dec. 31, 2021
Bank Stocks
Bank Stocks	(4) Bank Stocks Bank stocks primarily consist of restricted investments in FHLB and Federal Reserve Bank (“FRB”) stock. The carrying value of the FHLB stock at December 31, 2021 was $ 857,000 2.4 1.9 111,000

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Loans and Allowance for Loan Losses	(5) Loans and Allowance for Loan Losses Loans consisted of the following: Schedule of Loans (Dollars in thousands) 2021 2020 As of December 31, (Dollars in thousands) 2021 2020 One-to-four family residential real estate loans $ 166,081 $ 157,984 Construction and land loans 27,644 26,106 Commercial real estate loans 198,472 172,307 Commercial loans 132,154 134,047 Paycheck protection program loans 17,179 100,084 Agriculture loans 94,267 96,532 Municipal loans 2,050 2,332 Consumer loans 24,541 24,122 Total gross loans 662,388 713,514 Net deferred loan (fees) costs and loans in process (380 ) (1,957 ) Allowance for loan losses (8,775 ) (8,775 ) Loans, net $ 653,233 $ 702,782 The following tables provide information on the Company’s allowance for loan losses by loan class and allowance methodology: Schedule of Allowance for Credit Losses on Financing Receivables (Dollars in thousands) Year ended December 31, 2021 One-to-four family residential real estate loans Construction and land loans Commercial real estate loans Commercial loans Paycheck protection loans Agriculture loans Municipal loans Consumer loans Total Allowance for loan losses: Balance at January 1, 2021 $ 859 $ 181 $ 2,482 $ 2,388 $ - $ 2,690 $ 6 $ 169 $ 8,775 Charge-offs (81 ) - (540 ) (72 ) - (50 ) - (235 ) (978 ) Recoveries 11 263 - 14 - 66 6 118 478 Provision for loan losses (166 ) (306 ) 1,109 283 - (485 ) (6 ) 71 500 Balance at December 31, 2021 $ 623 $ 138 $ 3,051 $ 2,613 $ - $ 2,221 $ 6 $ 123 $ 8,775 Allowance for loan losses: Individually evaluated for loss $ - $ - $ - $ 504 $ - $ - $ - $ - $ 504 Collectively evaluated for loss 623 138 3,051 2,109 - 2,221 6 123 8,271 Total $ 623 $ 138 $ 3,051 $ 2,613 $ - $ 2,221 $ 6 $ 123 $ 8,775 Loan balances: Individually evaluated for loss $ 578 $ 794 $ 2,214 $ 1,029 $ - $ 2,067 $ 36 $ - $ 6,718 Collectively evaluated for loss 165,503 26,850 196,258 131,125 17,179 92,200 2,014 24,541 655,670 Total $ 166,081 $ 27,644 $ 198,472 $ 132,154 $ 17,179 $ 94,267 $ 2,050 $ 24,541 $ 662,388 (Dollars in thousands) Year ended December 31, 2020 One-to-four family residential real estate loans Construction and land loans Commercial real estate loans Commercial loans Paycheck protection loans Agriculture loans Municipal loans Consumer loans Total Allowance for loan losses: Balance at January 1, 2020 $ 501 $ 271 $ 1,386 $ 1,815 $ - $ 2,347 $ 7 $ 140 $ 6,467 Charge-offs (251 ) (191 ) (131 ) (292 ) - (3 ) - (248 ) (1,116 ) Recoveries - - 13 3 - - 6 102 124 Provision for loan losses 609 101 1,214 862 - 346 (7 ) 175 3,300 Balance at December 31, 2020 $ 859 $ 181 $ 2,482 $ 2,388 $ - $ 2,690 $ 6 $ 169 $ 8,775 Allowance for loan losses: Individually evaluated for loss $ - $ - $ 177 $ 22 $ - $ 67 $ - $ - $ 266 Collectively evaluated for loss 859 181 2,305 2,366 - 2,623 6 169 8,509 Total $ 859 $ 181 $ 2,482 $ 2,388 $ - $ 2,690 $ 6 $ 169 $ 8,775 Loan balances: Individually evaluated for loss $ 914 $ 1,137 $ 8,119 $ 1,639 $ - $ 614 $ 36 $ 3 $ 12,462 Collectively evaluated for loss 157,070 24,969 164,188 132,408 100,084 95,918 2,296 24,119 701,052 Total $ 157,984 $ 26,106 $ 172,307 $ 134,047 $ 100,084 $ 96,532 $ 2,332 $ 24,122 $ 713,514 (Dollars in thousands) Year ended December 31, 2019 One-to-four family residential real estate Construction and land Commercial real estate Commercial loans Agriculture loans Municipal loans Consumer loans Total Allowance for loan losses: Balance at January 1, 2019 $ 449 $ 168 $ 1,686 $ 1,051 $ 2,238 $ 7 $ 166 $ 5,765 Charge-offs (56 ) (31 ) - (453 ) - - (285 ) (825 ) Recoveries 1 - - 53 - 6 67 127 Provision for loan losses 107 134 (300 ) 1,164 109 (6 ) 192 1,400 Balance at December 31, 2019 $ 501 $ 271 $ 1,386 $ 1,815 $ 2,347 $ 7 $ 140 $ 6,467 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 decreased $ 5.8 12.5 6.7 Schedule of Impaired Financing Receivables (Dollars in thousands) As of December 31, 2021 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 loans $ 578 $ 578 $ 578 $ - $ - $ 590 $ 8 Construction and land loans 2,401 794 794 - - 895 16 Commercial real estate loans 2,214 2,214 2,214 - - 2,388 37 Commercial loans 1,380 1,029 520 509 504 1,096 38 Agriculture loans 2,235 2,067 2,067 - - 2,420 67 Municipal loans 36 36 36 - - 36 1 Total impaired loans $ 8,844 $ 6,718 $ 6,209 $ 509 $ 504 $ 7,425 $ 167 As of December 31, 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 loans $ 914 $ 914 $ 914 $ - $ - $ 925 $ 3 Construction and land loans 2,872 1,137 1,137 - - 1,211 26 Commercial real estate loans 8,119 8,119 4,302 3,817 177 8,152 8 Commercial loans 1,990 1,639 1,543 96 22 1,984 43 Agriculture loans 829 614 538 76 67 618 67 Municipal loans 36 36 36 - - 54 1 Consumer loans 3 3 3 - - 4 - Total impaired loans $ 14,763 $ 12,462 $ 8,473 $ 3,989 $ 266 $ 12,948 $ 148 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 loans $ 1,297 $ 1,256 $ 887 $ 369 $ 129 $ 1,291 $ 10 Construction and land loans 3,214 1,479 1,288 191 191 1,631 36 Commercial real estate loans 3,461 3,461 3,258 203 103 3,489 478 Commercial loans 1,427 1,298 416 882 204 1,464 11 Agriculture loans 1,339 1,124 613 511 106 1,166 48 Municipal loans 58 58 58 - - 58 1 Consumer loans 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 ninety days delinquent and accruing interest at December 31, 2021 or December 31, 2020. 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 December 31, 2021 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 loans $ 20 $ 125 $ - $ 145 $ 417 $ 562 $ 165,519 Construction and land loans - - - - 681 681 26,963 Commercial real estate loans - - - - 2,214 2,214 196,258 Commercial loans 289 340 - 629 593 1,222 130,932 Paycheck protection program loans - - - - - - 17,179 Agriculture loans 1,189 - - 1,189 1,325 2,514 91,753 Municipal loans - - - - - - 2,050 Consumer loans 18 9 - 27 - 27 24,514 Total $ 1,516 $ 474 $ - $ 1,990 $ 5,230 $ 7,220 $ 655,168 Percent of gross loans 0.23 % 0.07 % 0.00 % 0.30 % 0.79 % 1.09 % 98.91 % As of December 31, 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 loans $ 262 $ 185 $ - $ 447 $ 749 $ 1,196 $ 156,788 Construction and land loans - - - - 694 694 25,412 Commercial real estate loans - - - - 8,119 8,119 164,188 Commercial loans 832 - - 832 874 1,706 132,341 Paycheck protection program loans - - - - - - 100,084 Agriculture loans 206 29 - 235 76 311 96,221 Municipal loans - - - - - - 2,332 Consumer loans 15 1 - 16 3 19 24,103 Total $ 1,315 $ 215 $ - $ 1,530 $ 10,515 $ 12,045 $ 701,469 Percent of gross loans 0.19 % 0.03 % 0.00 % 0.22 % 1.47 % 1.69 % 98.31 % Under the original terms of the Company’s non-accrual loans, interest earned on such loans for the years 2021, 2020 and 2019, would have increased interest income by $ 309,000 380,000 230,000 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 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 As of December 31, 2021 As of December 31, 2020 (Dollars in thousands) Nonclassified Classified Nonclassified Classified One-to-four family residential real estate loans $ 165,299 $ 782 $ 154,985 $ 2,999 Construction and land loans 26,963 681 25,412 694 Commercial real estate loans 193,669 4,803 161,661 10,646 Commercial loans 123,609 8,545 132,023 2,024 Paycheck protection program loans 17,179 - 100,084 - Agriculture loans 91,036 3,231 87,662 8,870 Municipal loans 2,050 - 2,332 - Consumer loans 24,541 - 24,119 3 Total $ 644,346 $ 18,042 $ 688,278 $ 25,236 At December 31, 2021, the Company had 11 loan relationships consisting of 16 outstanding loans totaling $ 3.4 3.9 During 2021, a commercial loan relationship consisting of five loans was modified after originally being classified as a TDR in 2020. The borrower liquidated some of the collateral securing the loans and refinanced the remaining balance of $ 397,000 32,000 100,000 250,000 During 2020, the Company modified the payment terms on an agriculture loan totaling $ 156,000 1.6 50,000 742,000 The Company did not classify any loans as TDRs during 2019. A commercial real estate loan previously classified as a TDR in 2014 paid off during 2019. Subsequently, 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 December 31, 2021, 2020 and 2019. At December 31, 2021, there were no commitments to lend additional funds on loans classified as TDRs. The Company did not record any charge-offs against loans classified as TDRs during 2021 and recorded a credit provision for loan loss of $ 6,000 1,000 1,000 2,000 8,000 The following table presents information on loans that were classified as TDRs: Schedule of Troubled Debt Restructurings on Financing Receivables (Dollars in thousands) As of December 31, 2021 As of December 31, 2020 Number of loans Non-accrual balance Accruing balance Number of loans Non-accrual balance Accruing balance One-to-four family residential real estate loans 2 $ - $ 161 2 $ - $ 165 Construction and land loans 3 681 113 5 693 443 Commercial real estate loans 2 1,224 - 2 1,227 - Commercial loans 4 33 436 7 33 765 Agriculture 4 - 742 4 - 538 Municipal loans 1 - 36 1 - 36 Total troubled debt restructurings 16 $ 1,938 $ 1,488 21 $ 1,953 $ 1,947 As of December 31, 2021, all of the loan modifications and short-term forbearance and repayment plans in connection with the COVID-19 pandemic returned to contractual terms. The Company had loans and unfunded commitments to directors and officers, and to affiliated parties, at December 31, 2021 and 2020. A summary of such loans is as follows: Schedule of Loan to Directors Officers and Affiliated Parties (Dollars in thousands) Balance at December 31, 2020 $ 16,094 New loans 10,920 Repayments (17,077 ) Balance at December 31, 2021 $ 9,937

Loan Commitments

Loan Commitments	12 Months Ended
	Dec. 31, 2021
Loan Commitments
Loan Commitments	(6) Loan Commitments The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet customers’ financing needs. These financial instruments consist principally of commitments to extend credit. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The Company’s exposure to credit loss in the event of nonperformance by the other party is represented by the contractual amount of those instruments. In the normal course of business, there are various commitments and contingent liabilities, such as commitments to extend credit, letters of credit, and lines of credit, the balance of which are not recorded in the accompanying consolidated financial statements. The Company generally requires collateral or other security on unfunded loan commitments and irrevocable letters of credit. Unfunded commitments to extend credit, excluding standby letters of credit, aggregated to $ 139.5 145.1 1.9 2.2

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets	(7) Goodwill and Intangible Assets The Company performed its annual impairment test as of December 31, 2021. Based on the results of the qualitative analysis, the Company concluded it was more likely than not that its goodwill was not impaired. 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 December 31, 2021 Gross carrying amount Accumulated amortization Net carrying amount Core deposit intangible assets $ 2,018 $ (1,934 ) $ 84 Lease intangible asset - - - Total other intangible assets $ 2,018 $ (1,934 ) $ 84 As of December 31, 2020 Gross carrying amount Accumulated amortization Net carrying amount Core deposit intangible assets $ 2,018 $ (1,838 ) $ 180 Lease intangible asset 350 (324 ) 26 Total other intangible assets $ 2,368 $ (2,162 ) $ 206 The following sets forth estimated amortization expense for core deposit intangible assets for the years ending December 31: Schedule of Finite-lived Intangible Assets, Future Amortization Expense (Dollars in thousands) Amortization expense (Dollars in thousands) Amortization expense 2022 $ 58 2023 26 Total $ 84

Mortgage Loan Servicing

Mortgage Loan Servicing	12 Months Ended
	Dec. 31, 2021
Mortgage Loan Servicing
Mortgage Loan Servicing	(8) Mortgage Loan Servicing 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) As of December 31, 2021 2020 FHLMC $ 697,484 $ 639,875 FHLB 18,218 28,157 Total $ 715,702 $ 668,032 Custodial escrow balances maintained in connection with serviced loans were $ 5.8 1.8 1.5 1.4 Activity for mortgage servicing rights and the related valuation allowance follows: Schedule of Servicing Asset at Amortized Cost 2021 2020 (Dollars in thousands) As of December 31, 2021 2020 Mortgage servicing rights: Balance at beginning of year $ 3,726 $ 2,446 Additions 1,946 2,705 Amortization (1,479 ) (1,425 ) Balance at end of year $ 4,193 $ 3,726 At December 31, 2021 and 2020, there was no valuation allowance related to mortgage servicing rights. The fair value of mortgage servicing rights was $ 6.7 4.4 9.00 12.00 6.02 23.70 1.34 8.78 12.00 7.10 29.61 1.36 The Company had a mortgage repurchase reserve of $ 226,000 235,000 9,000

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Premises and Equipment	(9) Premises and Equipment Premises and equipment consisted of the following: Schedule of Premises and Equipment 2021 2020 (Dollars in thousands) Estimated As of December 31, useful lives 2021 2020 Land Indefinite $ 6,279 $ 6,279 Office buildings and improvements 10 50 21,097 21,058 Furniture and equipment 3 15 8,652 8,336 Automobiles 2 5 556 567 Total premises and equipment 36,584 36,240 Accumulated depreciation (15,781 ) (15,747 ) Total premises and equipment, net $ 20,803 $ 20,493 Depreciation expense totaled $ 997,000 987,000 1.0

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits	(10) Deposits The following table presents the maturities of certificates of deposit at December 31, 2021: Schedule of Maturities of Time Deposit Year Amount (Dollars in thousands) Year Amount 2022 $ 90,795 2023 8,918 2024 2,520 2025 1,844 2026 2,028 Thereafter 2 Total $ 106,107 The aggregate amount of certificate of deposit in denominations of $250,000 or more at December 31, 2021 and 2020 was $ 23.4 million and $ 26.8 million, respectively. As of December 31, 2021 and December 2020, the Company had no brokered deposits. The components of interest expense associated with deposits are as follows: Schedule of Interest Expense Associated with Deposits 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Certificate of deposit $ 476 $ 1,166 $ 2,751 Money market and checking 500 899 2,555 Savings 47 40 35 Total $ 1,023 $ 2,105 $ 5,341

Federal Home Loan Bank Borrowin

Federal Home Loan Bank Borrowings	12 Months Ended
	Dec. 31, 2021
Federal Home Loan Bank Borrowings	(11) Federal Home Loan Bank Borrowings The Bank has a line of credit, renewable annually each September, with the FHLB under which there were no at the federal funds rate plus 0.15 0.26 25.0 66.0 Although no loans are specifically pledged, the FHLB requires the Bank to maintain eligible collateral (qualifying loans and investment securities) that has a lending value at least equal to its required collateral. At December 31, 2021 and 2020, there was a blanket pledge of loans and securities totaling $ 136.9 175.7 93.8 123.8 67.5 56.4

Subordinated Debentures

Subordinated Debentures	12 Months Ended
	Dec. 31, 2021
Brokers and Dealers [Abstract]
Subordinated Debentures	(12) Subordinated Debentures In 2003, the Company issued $ 8.2 2034 Interest accrues at three month LIBOR plus 2.85 2.98 3.06 In 2005, the Company issued an additional $ 8.2 2036 Interest accrues at three month LIBOR plus 1.34 1.54 1.56 In 2013, the Company assumed an additional $ 5.2 2036 Interest accrues at three month LIBOR plus 1.62 1.84 1.86 While these trusts are accounted for as unconsolidated equity investments, a portion of the trust preferred securities issued by the trusts qualifies as Tier 1 Capital for regulatory purposes.

Other Borrowings

Other Borrowings	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Other Borrowings	(13) Other Borrowings The Company has a $ 7.5 November 1, 2022 prime rate less 0.25 no At December 31, 2021 and 2020, the Bank had no borrowings through the Federal Reserve discount window, while the borrowing capacity was $ 79.3 103.8 30.0 no

Repurchase Agreements

Repurchase Agreements	12 Months Ended
	Dec. 31, 2021
Repurchase Agreements	(14) 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 $ 7.4 6.4 9.2 8.7 The following is a summary of the balances and collateral of the Company’s repurchase agreements: Schedule of Repurchase Agreements (Dollars in thousands) Years ended December 31, 2021 2020 Average daily balance during the year $ 5,915 $ 11,066 Average interest rate during the year 0.19 % 0.20 % Maximum month-end balance during the year $ 8,250 $ 17,939 Weighted average interest rate at year-end 0.19 % 0.18 % As of December 31, 2021 Overnight and Continuous Up to 30 days 30-90 days Greater than 90 days Total Repurchase agreements: U.S. federal treasury obligations $ 325 $ - $ - $ - $ 325 U.S. federal agency obligations 3,008 - - - 3,008 Agency mortgage-backed securities 4,070 - - - 4,070 Total $ 7,403 $ - $ - $ - $ 7,403 As of December 31, 2020 Overnight and Up to 30 30-90 Greater than 90 Continuous days days days Total Repurchase agreements: U.S. federal agency obligations $ 2,412 $ - $ - $ - $ 2,412 Agency mortgage-backed securities 3,959 - - - 3,959 Total $ 6,371 $ - $ - $ - $ 6,371 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	12 Months Ended
	Dec. 31, 2021
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	(15) 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 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Non-interest income: Service charges on deposits Overdraft fees $ 2,987 $ 2,991 $ 3,591 Other 679 644 585 Interchange income 3,261 2,604 2,049 Loan servicing fees (1) 1,780 1,534 1,367 Office lease income (1) 574 652 642 Gains on sales of loans (1) 10,487 15,155 6,353 Bank owned life insurance income (1) 686 611 752 Gains (losses) on sales of investment securities (1) 1,138 2,448 (177 ) (Losses) gains on sales of premises and equipment and foreclosed assets (4 ) (29 ) 52 Other 673 748 595 Total non-interest income $ 22,261 $ 27,358 $ 15,809 (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 years 2021, 2020 or 2019.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Taxes	(16) Income Taxes Income tax expense (benefit) attributable to income from operations consisted of the following: Schedule of Components of Income Tax Expense (Benefit) 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Current: Federal $ 3,039 $ 4,582 $ 1,805 State 967 708 (157 ) Total current 4,006 5,290 1,648 Deferred: Federal 662 (442 ) (160 ) State 196 (8 ) 22 Total deferred 858 (450 ) (138 ) Deferred tax valuation allowance (50 ) (53 ) (57 ) Income tax expense $ 4,814 $ 4,787 $ 1,453 The reasons for the difference between actual income tax expense (benefit) and expected income tax expense attributable to income from operations at the statutory federal income tax rate were as follows: Schedule of Effective Income Tax Rate Reconciliation 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Computed “expected” tax expense $ 4,793 $ 5,099 $ 2,544 (Reduction) increase in income taxes resulting from: Tax-exempt interest income, net (645 ) (695 ) (748 ) Excess tax benefit from stock option exercise (29 ) (26 ) - Bank owned life insurance (156 ) (137 ) (165 ) Reversal of unrecognized tax benefits, net 162 (229 ) (558 ) State income taxes, net of federal benefit 718 800 407 Investment tax credits (19 ) (28 ) (15 ) Other, net (10 ) 3 (12 ) Income tax (benefit) expense $ 4,814 $ 4,787 $ 1,453 The tax effects of temporary differences that give rise to the significant portions of the deferred tax assets and liabilities at the following dates were as follows: Schedule of Deferred Tax Assets and Liabilities 2021 2020 (Dollars in thousands) As of December 31, 2021 2020 Deferred tax assets: Loans, including allowance for loan losses $ 2,041 $ 2,040 Net operating loss carry forwards 223 273 State taxes 534 614 Net deferred loan fees 125 432 Acquisition costs 141 161 Deferred compensation arrangements 64 66 Investments 70 54 Other, net 184 158 Total deferred tax assets 3,382 3,798 Less valuation allowance (223 ) (273 ) Total deferred tax assets, net of valuation allowance 3,159 3,525 Deferred tax liabilities: Unrealized gain on investment securities available-for-sale 1,259 3,065 Premises and equipment, net of depreciation 723 500 Mortgage servicing rights 879 777 Prepaid expenses 314 302 Intangible assets 387 278 FHLB stock dividends 8 12 Total deferred tax liabilities 3,570 4,934 Net deferred tax liability $ (411 ) $ (1,409 ) The Company has Kansas corporate net operating loss carry forwards totaling $ 3.8 4.7 Retained earnings at December 31, 2021 and 2020 include approximately $ 6.3 The Company has unrecognized tax benefits representing tax positions for which a liability has been established. A reconciliation of the beginning and ending amount of the liability relating to unrecognized tax benefits is as follows: Schedule of Unrecognized Tax Benefits (Dollars in thousands) Years ended December 31, 2021 2020 Unrecognized tax benefits at beginning of year $ 2,138 $ 1,416 Gross increases to current year tax positions 325 1,100 Gross decreases to prior year’s tax positions (125 ) (26 ) Lapse of statute of limitations (48 ) (352 ) Unrecognized tax benefits at end of year $ 2,290 $ 2,138 Tax years that remain open and subject to audit include the years 2018 through 2021 for both federal and state tax purposes. The Company recognized $ 48,000 352,000 2.3 2.1 1.8 1.7 298,000 71,000 77,000 623,000 325,000 462,000

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2021
Retirement Benefits [Abstract]
Employee Benefit Plans	(17) Employee Benefit Plans Employee Retirement Plan. 100 6 800,000 750,000 610,000 Split Dollar Life Insurance Agreement. 44,000 42,000 Deferred Compensation Agreements. 796,000 690,000 3,000 10,000 8,000

Stock Compensation Plan

Stock Compensation Plan	12 Months Ended
	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
Stock Compensation Plan	(18) Stock Compensation Plan The Company has a stock-based employee compensation plan which allows for the issuance of stock options and restricted common stock, the purpose of which is to provide additional incentive to certain officers, directors, and key employees by facilitating their purchase of a stock interest in the Company. Compensation expense related to prior awards is recognized on a straight line basis over the vesting period, which is typically four years 323,000 304,000 286,000 113,000 105,000 71,000 For stock options, the exercise price may not be less than 100 On May 20, 2015, our stockholders approved the 2015 Stock Incentive Plan which authorized the issuance of equity awards covering 351,775 3,954 74,557 20.25 19,128 19,128 18.69 3,024 51,091 26.43 Schedule of Fair Value of Options Assumed 2021 2020 2019 Years ended December 31, 2021 2020 2019 Risk-free interest rate 1.00 % n/a 1.77 % Expected term 7 year n/a 7 year Expected stock price volatility 28.51 % n/a 26.06 % Dividend yield 2.88 % n/a 3.41 % A summary of option activity during 2021 is presented below: Schedule of Share-based Compensation, Stock Options, Activity (Dollars in thousands, except per share amounts) Weighted Weighted average average exercise remaining Aggregate price contractual intrinsic Shares per share term value Outstanding at January 1, 2021 102,630 $ 21.26 7.3 $ 202 Granted 48,658 $ 27.75 Effect of 5 7,059 Forfeited/expired (3,964 ) $ 15.62 Exercised (6,172 ) $ 10.78 Outstanding at December 31, 2021 148,211 $ 22.97 7.8 $ 848 Exercisable at December 31, 2021 54,371 $ 21.85 6.4 $ 372 Fully vested options at December 31, 2021 54,371 $ 21.85 6.4 $ 372 Additional information about stock options exercised is presented below: Schedule of Stock Option Exercised Additional Information 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Intrinsic value of options exercised (on exercise date) $ 141 $ 430 $ 42 Cash received from options exercised 22 42 36 Excess tax benefit realized from options exercised $ 21 $ 32 $ - As of December 31, 2021, there was $ 342,000 93,840 Schedule of Share-based Compensation Arrangements by Share-based Payment Award Year Amount (Dollars in thousands) Year Amount 2022 $ 129 2023 104 2024 69 2025 40 Total $ 342 The fair value of restricted stock on the vesting date was $ 229,000 202,000 150,000 Schedule of Nonvested Share Activity Shares Weighted average grant date price per share Nonvested restricted common stock at January 1, 2021 22,125 $ 20.83 Granted 2,880 $ 27.75 Vested (8,453 ) $ 27.07 Forfeited - $ - Effect of 5 827 Nonvested restricted common stock at December 31, 2021 17,379 $ 21.05 As of December 31, 2021, there was $ 237,000 17,379 Schedule of Share-based Compensation Arrangements by Share-based Payment Award Year Amount (Dollars in thousands) Year Amount 2022 $ 136 2023 64 2024 37 Total $ 237

Fair Value of Financial Instrum

Fair Value of Financial Instruments and Fair Value Measurements	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments and Fair Value Measurements	(19) 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 December 31, 2021 and 2020, including methods and assumptions utilized, are set forth below: Schedule of Fair Value, by Balance Sheet Grouping (Dollars in thousands) As of December 31, 2021 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 189,213 $ 189,213 $ - $ - $ 189,213 Interest-bearing deposits at other banks 7,378 - 7,378 - 7,378 Investment securities available-for-sale 380,717 42,675 338,042 - 380,717 Bank stocks, at cost 2,905 n/a n/a n/a n/a Loans, net 653,233 - - 663,625 663,625 Loans held for sale 4,795 - 4,795 - 4,795 Mortgage servicing rights 4,193 - 6,722 - 6,722 Accrued interest receivable 4,405 107 1,666 2,632 4,405 Derivative financial instruments 494 - 494 - 494 Financial liabilities: Non-maturity deposits $ (1,042,374 ) $ (1,042,374 ) $ - $ - $ (1,042,374 ) Certificates of deposit (106,107 ) - (105,935 ) - (105,935 ) Subordinated debentures (21,651 ) - (16,375 ) - (16,375 ) Other borrowings (7,403 ) - (7,403 ) - (7,403 ) Accrued interest payable (125 ) - (125 ) - (125 ) (Dollars in thousands) As of December 31, 2020 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 84,818 $ 84,818 $ - $ - $ 84,818 Interest-bearing deposits at other banks 5,460 - 5,460 - 5,460 Investment securities available-for-sale 291,810 2,037 289,773 - 291,810 Bank stocks, at cost 4,473 n/a n/a n/a n/a Loans, net 702,782 - - 718,071 718,071 Loans held for sale 15,533 - 15,533 - 15,533 Mortgage servicing rights 3,726 - 4,361 - 4,361 Accrued interest receivable 4,885 - 1,697 3,188 4,885 Derivative financial instruments 1,796 - 1,796 - 1,796 Financial liabilities: Non-maturity deposits $ (882,277 ) $ (882,277 ) $ - $ - $ (882,277 ) Certificates of deposit (133,750 ) - (134,048 ) - (134,048 ) Subordinated debentures (21,651 ) - (15,232 ) - (15,232 ) Other borrowings (6,371 ) - (6,371 ) - (6,371 ) Accrued interest payable (168 ) - (168 ) - (168 ) Derivative financial instruments (466 ) - (466 ) - (466 ) Transfers The Company did not transfer any assets or liabilities among levels during the year ended December 31, 2021 or 2020. Valuation Methods for Instruments Measured at Fair Value on a Recurring Basis The following table represents the Company’s financial instruments that are measured at fair value on a recurring basis at December 31, 2021 and 2020, allocated to the appropriate fair value hierarchy: Schedule of Fair Value, Assets Measured On Recurring Basis (Dollars in thousands) As of December 31, 2021 Fair value hierarchy Total Level 1 Level 2 Level 3 Assets: Available-for-sale securities U. S. treasury securities $ 42,675 $ 42,675 $ - $ - U. S. federal agency obligations 17,195 - 17,195 - Municipal obligations, tax exempt 137,984 - 137,984 - Municipal obligations, taxable 40,046 - 40,046 - Agency mortgage-backed securities 142,817 - 142,817 - Loans held for sale 4,795 - 4,795 - Derivative financial instruments 494 - 494 - (Dollars in thousands) As of December 31, 2020 Fair value hierarchy Total Level 1 Level 2 Level 3 Assets: Available-for-sale securities U. S. treasury securities $ 2,037 $ 2,037 $ - $ - U. S. federal agency obligations 18,924 - 18,924 - Municipal obligations, tax exempt 142,676 - 142,676 - Municipal obligations, taxable 49,535 - 49,535 - Agency mortgage-backed securities 78,638 - 78,638 - Loans held for sale 15,533 - 15,533 - Derivative financial instruments 1,796 - 1,796 - Liabilities: Derivative financial instruments (466 ) - (466 ) - The Company’s investment securities classified as available-for-sale include U.S. treasury securities, U.S. federal agency securities, municipal obligations and agency mortgage-backed securities. 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 obligations 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 securities 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 estimated 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 or loss on loans held for sale were as follows: Schedule of Fair Value Contractual Balance and Gain Loss On Loans Held for Sale As of December 31, (Dollars in thousands) 2021 2020 Aggregate fair value $ 4,795 $ 15,533 Contractual balance 4,651 15,151 Gain $ 144 $ 382 The Company’s derivative financial instruments consist of interest rate lock commitments and forward commitments for the future delivery of these mortgage loans. 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 sale of loans, net in the consolidated statements of earnings. The total amount of gains and losses from changes in fair value of derivative financial instruments included in earnings were as follows: Schedule of Gains and Losses from Changes in Fair Value of Loans Held for Sale As of December 31, (Dollars in thousands) 2021 2020 2019 Total change in fair value $ (836 ) $ 848 $ (15 ) Valuation Methods for Instruments Measured at Fair Value on a Nonrecurring Basis The Company does not value 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 loan balance of the Company’s impaired loans was $ 6.7 12.5 504,000 266,000 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 measure at fair value on a non-recurring basis as of December 31, 2021 and 2020. Schedule of Fair Value Measurements On Nonrecurring, Valuation Techniques (Dollars in thousands) Fair value Valuation technique Unobservable inputs Range As of December 31, 2021 Impaired loans: Commercial loans $ 5 Sales comparison Adjustment to comparable value 0 % As of December 31, 2020 Impaired loans: Commercial real estate $ 3,640 Sales comparison Adjustment to appraised value 20 % Commercial loans 74 Sales comparison Adjustment to comparable sales 0 69 % Agriculture loans 9 Sales comparison Adjustment to appraised value 20 % Real estate owned: One-to-four family residential real estate 48 Sales comparison Adjustment to appraised value 10 %

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2021
Regulatory Capital Requirements	(20) 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 December 31, 2021, 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 December 31, 2021 and December 31, 2020, 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 in effect at December 31, 2021 and 2020: 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 December 31, 2021 Leverage $ 135,824 10.83 % $ 50,181 4.0 % Common Equity Tier 1 Capital 114,824 15.00 % 53,592 7.0 % Tier 1 Capital 135,824 17.74 % 65,077 8.5 % Total Risk Based Capital 144,739 18.91 % 80,389 10.5 % As of December 31, 2020 Leverage $ 121,068 10.70 % $ 45,262 4.0 % Common Equity Tier 1 Capital 100,068 13.77 % 50,866 7.0 % Tier 1 Capital 121,068 16.66 % 61,766 8.5 % Total Risk Based Capital 129,983 17.89 % 76,300 10.5 % (1) The required percent for capital adequacy purposes includes a capital conservation buffer of 2.5 The following is a comparison of the Bank’s regulatory capital to minimum capital requirements in effect at December 31, 2021 and 2020: Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations (Dollars in thousands) Actual For capital adequacy purposes To be well-capitalized under regulatory guidelines Amount Ratio Amount Ratio (1) Amount Ratio As of December 31, 2021 Leverage $ 132,313 10.58 % $ 50,040 4.0 % $ 62,550 5.0 % Common Equity Tier 1 Capital 132,313 17.29 % 53,563 7.0 % 49,737 6.5 % Tier 1 Capital 132,313 17.29 % 65,041 8.5 % 61,215 8.0 % Total Risk Based Capital 141,228 18.46 % 80,345 10.5 % 76,519 10.0 % As of December 31, 2020 Leverage $ 118,174 10.47 % $ 45,139 4.0 % $ 56,423 5.0 % Common Equity Tier 1 Capital 118,174 16.27 % 50,829 7.0 % 47,199 6.5 % Tier 1 Capital 118,174 16.27 % 61,721 8.5 % 58,091 8.0 % Total Risk Based Capital 127,089 17.50 % 76,244 10.5 % 72,613 10.0 % (1) The required percent for capital adequacy purposes includes a capital conservation buffer of 2.5

Parent Company Condensed Financ

Parent Company Condensed Financial Statements	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Parent Company Condensed Financial Statements	(21) Parent Company Condensed Financial Statements The following is condensed financial information of the parent company as of December 31, 2021 and 2020 and for the years ended December 31, 2021, 2020 and 2019: Schedule of Condensed Financial Statements Condensed Balance Sheets (Dollars in thousands) As of December 31, 2021 2020 Assets: Cash and cash equivalents $ 1,121 $ 105 Interest-bearing deposits at other banks 214 212 Investment in subsidiaries 154,978 146,896 Other 1,074 1,217 Total assets $ 157,387 $ 148,430 Liabilities and stockholders' equity: Subordinated debentures $ 21,651 $ 21,651 Other 93 107 Stockholders' equity 135,643 126,672 Total liabilities and stockholders' equity $ 157,387 $ 148,430 Condensed Statements of Earnings (Dollars in thousands) Years ended December 31, 2021 2020 2019 Dividends from Bank $ 4,600 $ 6,900 $ 4,500 Dividends from nonbank subsidiary 1,000 - - Interest income 16 21 31 Other non-interest income 7 7 7 Interest expense (472 ) (614 ) (970 ) Other expense, net (532 ) (352 ) (304 ) Earnings before equity in undistributed earnings 4,619 5,962 3,264 Increase in undistributed equity of Bank 13,599 13,087 6,801 (Decrease) increase in undistributed equity of nonbank subsidiary (272 ) 248 338 Earnings before income taxes 17,946 19,297 10,403 Income tax benefit (65 ) (196 ) (259 ) Net earnings 18,011 19,493 10,662 Other comprehensive (loss) income (5,567 ) 4,208 9,230 Total comprehensive income $ 12,444 $ 23,701 $ 19,892 Condensed Statements of Cash Flows (Dollars in thousands) Years ended December 31, 2021 2020 2019 Cash flows from operating activities: Net earnings $ 18,011 $ 19,493 $ 10,662 Increase in undistributed equity of subsidiaries (13,327 ) (13,335 ) (7,139 ) Other 130 (312 ) 23 Net cash provided by operating activities 4,814 5,846 3,546 Cash flows from investing activities: Net change in interest-bearing deposits at banks (2 ) 26 (1 ) Net cash (used in) provided by investing activities (2 ) 26 (1 ) Cash flows from financing activities: Proceeds from exercise of stock options 22 42 36 Payment of dividends (3,818 ) (3,633 ) (3,508 ) Purchase of treasury stock - (2,349 ) - Net cash used in financing activities (3,796 ) (5,940 ) (3,472 ) Net increase (decrease) in cash 1,016 (68 ) 73 Cash at beginning of year 105 173 100 Cash at end of year $ 1,121 $ 105 $ 173 Dividends paid by the Company are provided through dividends from the Bank and dividends from nonbank subsidiaries. At December 31, 2021, the Bank could distribute dividends of up to $ 26.7

Commitments, Contingencies and

Commitments, Contingencies and Guarantees	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Commitments, Contingencies and Guarantees	(22) Commitments, Contingencies and Guarantees Commitments to extend credit are legally binding agreements to lend to a borrower provided there are no violations of any conditions established in the contract. The Company, as a provider of financial services, routinely issues financial guarantees in the form of financial and performance commercial and standby letters of credit. As many of the commitments are expected to expire without being drawn upon, the total commitment does not necessarily represent future cash requirements (see Note 6). There are no pending legal proceedings to which the Company or the Bank is a party other than ordinary routine litigation incidental to the Bank’s business. While the ultimate outcome of current legal proceedings cannot be predicted with certainty, it is the opinion of management that the resolution of these legal actions should not have a material effect on the Company’s consolidated financial position or results of operations.

COVID-19 Pandemic

COVID-19 Pandemic	12 Months Ended
	Dec. 31, 2021
Unusual or Infrequent Items, or Both [Abstract]
COVID-19 Pandemic	(23) 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. Additional federal government stimulus, declining COVID-19 cases and the distribution of vaccines may lead to positive impacts on the economy and employment while new variants of COVID-19 presents risks to the recovery. 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 might 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 caused our net interest margin to decline. The pandemic has also impacted supply chains and inventory levels resulting in higher levels of inflation which may lead to higher market interest rates or a flattening yield curve which could also cause our net interest margin to decline. Higher interest rates may also negatively impact our loan customers and reduce their ability to repay our loans. At this time, the full impact of the COVID-19 pandemic on the Company’s financial statements is uncertain.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation
Use of Estimates	Use of Estimates
Business Combinations	Business Combinations
Reserve Requirements	Reserve Requirements
Cash Flows	Cash Flows
Interest-Bearing Deposits in Banks	Interest-Bearing Deposits in Banks
Investment Securities	Investment Securities The Company performs quarterly reviews of the investment portfolio to evaluate investment for other-than-temporary impairment. The initial review begins with all securities in an unrealized loss position. The Company’s assessment of other-than-temporary impairment is based on its judgment of the specific facts and circumstances impacting each individual security at the time such assessments are made. The Company reviews and considers all factual information, including expected cash flows, the structure of the security, the credit quality of the underlying assets and the current and anticipated market conditions. Any credit-related impairment on debt securities is recorded through a charge to earnings. Impairment related to other factors is recognized in other comprehensive income. However, if the Company intends to sell or it is more likely than not that it will be required to sell a security in an unrealized loss position before recovery of its amortized costs basis, the entire impairment is recorded through a charge to earnings.
Bank Stocks	Bank Stocks
Acquired Loans	Acquired Loans
Loans	Loans A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining if a loan is impaired include payment status, probability of collecting scheduled principal and interest payments when due and value of collateral for collateral dependent loans. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. In addition, the Company classifies troubled debt restructurings (“TDR”) as impaired loans. A loan is classified as a TDR if the Company modifies a loan with any concessions, as defined by accounting guidance, to a borrower experiencing financial difficulty. The allowance recorded on impaired loans is measured on a loan-by-loan basis for commercial, commercial real estate, agriculture and construction and land loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Large groups of homogeneous loans with smaller individual balances are collectively evaluated for impairment. Accordingly, the Company generally does not separately identify individual consumer and residential loans for impairment disclosures. 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 CARES Act and federal regulatory guidance permit banks to suspend requirements under GAAP for loan modifications to borrowers affected by COVID-19 that would otherwise be characterized as TDRs if the loan meets certain criteria. The CARES Act requires the borrower to be 30 days or less past due at December 31, 2019 and the loan modification be related to the deferral of principal or interest or a change to the interest rate. The federal regulatory guidance criteria indicates that a loan modification should be short-term and the borrower be less than 30 days past due at the time of the modification. 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 the principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on non-accrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are evaluated individually and are returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Allowance for Loan Losses	Allowance for Loan Losses In addition to the general component the allowance consists of a specific component. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement.
Loans Held for Sale	Loans Held for Sale Mortgage loans held for sale are generally sold with servicing rights retained. The carrying value of mortgage loans sold is reduced by the amount allocated to the servicing right. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.
Mortgage Servicing Rights	Mortgage Servicing Rights Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are included in amortization expense on the income statement. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds, default rates and losses.
Transfers of Financial Assets	Transfers of Financial Assets
Mortgage Loan Repurchase Reserve	Mortgage Loan Repurchase Reserve
Premises and Equipment	Premises and Equipment
Bank Owned Life Insurance	Bank Owned Life Insurance
Goodwill and Intangible Assets	Goodwill and Intangible Assets Intangible assets include core deposit intangibles and lease intangibles. Core deposit intangible assets are amortized over their estimated useful life of ten years on an accelerated basis. Lease intangible assets are amortized over the life of the lease. When facts and circumstances indicate potential impairment, the Company will evaluate the recoverability of the intangible asset’s carrying value, using estimates of undiscounted future cash flows over the remaining asset life. Any impairment loss is measured by the excess of carrying value over fair value.
Income Taxes	Income Taxes greater than 50 percent likelihood of being realized upon ultimate settlement
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments
Loss Contingencies	Loss Contingencies
Comprehensive Income	Comprehensive Income
Real Estate Owned	Real Estate Owned
Stock-Based Compensation	Stock-Based Compensation
Earnings per Share	Earnings per Share 51,088 99,364 110,293 The shares used in the calculation of basic and diluted earnings per share, which have been adjusted to give effect to the 5 Schedule of Earnings Per Share, Basic and Diluted 2021 2020 2019 (Dollars in thousands, except per share amounts) Years ended December 31, 2021 2020 2019 Net earnings available to common shareholders $ 18,011 $ 19,493 $ 10,662 Weighted average common shares outstanding - basic 4,994,546 4,987,322 5,063,402 Assumed exercise of stock options 12,066 4,579 15,260 Weighted average common shares outstanding - diluted 5,006,612 4,991,901 5,078,662 Earnings per share: Basic $ 3.61 $ 3.91 $ 2.11 Diluted $ 3.60 $ 3.91 $ 2.10
Derivative Financial Instruments	Derivative Financial Instruments
Dividend Restriction	Dividend Restriction
Fair Value of Financial Instruments	Fair Value of Financial Instruments
Reclassifications	Reclassifications

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	The shares used in the calculation of basic and diluted earnings per share, which have been adjusted to give effect to the 5 Schedule of Earnings Per Share, Basic and Diluted 2021 2020 2019 (Dollars in thousands, except per share amounts) Years ended December 31, 2021 2020 2019 Net earnings available to common shareholders $ 18,011 $ 19,493 $ 10,662 Weighted average common shares outstanding - basic 4,994,546 4,987,322 5,063,402 Assumed exercise of stock options 12,066 4,579 15,260 Weighted average common shares outstanding - diluted 5,006,612 4,991,901 5,078,662 Earnings per share: Basic $ 3.61 $ 3.91 $ 2.11 Diluted $ 3.60 $ 3.91 $ 2.10

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2021
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 December 31, 2021 Gross Gross Amortized unrealized unrealized Estimated cost gains losses fair value U. S. treasury securities $ 43,098 $ - $ (423 ) $ 42,675 U. S. federal agency obligations 17,165 67 (37 ) 17,195 Municipal obligations, tax exempt 133,558 4,488 (62 ) 137,984 Municipal obligations, taxable 39,011 1,171 (136 ) 40,046 Agency mortgage-backed securities 142,747 1,339 (1,269 ) 142,817 Total $ 375,579 $ 7,065 $ (1,927 ) $ 380,717 As of December 31, 2020 Gross Gross Amortized unrealized unrealized Estimated cost gains losses fair value U. S. treasury securities $ 2,000 $ 37 $ - $ 2,037 U. S. federal agency obligations 18,804 138 (18 ) 18,924 Municipal obligations, tax exempt 136,321 6,367 (12 ) 142,676 Municipal obligations, taxable 46,643 2,892 - 49,535 Agency mortgage-backed securities 75,530 3,108 - 78,638 Total $ 279,298 $ 12,542 $ (30 ) $ 291,810
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 December 31, 2021 and 2020. 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. Schedule of Available for Sale Securities Continuous Unrealized Loss Position Fair Value (Dollars in thousands) As of December 31, 2021 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. treasury securities 28 $ 42,675 $ (423 ) $ - $ - $ 42,675 $ (423 ) U. S. federal agency obligations 6 $ 12,073 $ (30 ) $ 3,048 $ (7 ) 15,121 (37 ) Municipal obligations, tax exempt 37 12,411 (46 ) 1,879 (16 ) 14,290 (62 ) Municipal obligations, taxable 13 8,802 (136 ) - - 8,802 (136 ) Agency mortgage-backed securities 28 95,028 (1,269 ) - - 95,028 (1,269 ) Total 112 $ 170,989 $ (1,904 ) $ 4,927 $ (23 ) $ 175,916 $ (1,927 ) As of December 31, 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 4 $ 11,772 $ (18 ) $ $ $ 11,772 $ (18 ) Municipal obligations, tax exempt 12 4,191 (12 ) - - 4,191 (12 ) Total 16 $ 15,963 $ (30 ) $ - $ - $ 15,963 $ (30 )
Schedule of Investments Classified by Contractual Maturity Date	The table below 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. The amortized cost and fair value of investment securities at December 31, 2021 are as follows: Schedule of Investments Classified by Contractual Maturity Date (Dollars in thousands) Amortized Estimated cost fair value Due in less than one year $ 18,859 $ 18,921 Due after one year but within five years 256,749 257,619 Due after five years but within ten years 52,372 54,243 Due after ten years 47,599 49,934 Total $ 375,579 $ 380,717
Schedule of Realized Gain (loss)	Sales proceeds and gross realized gains and losses on sales of available-for-sale securities are as follows: Schedule of Realized Gain (loss) 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Sales proceeds $ 16,623 $ 61,163 $ 15,318 Realized gains $ 1,138 $ 2,449 $ 2 Realized losses - (1 ) (179 ) Net realized gains $ 1,138 $ 2,448 $ (177 )

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Schedule of Loans	Loans consisted of the following: Schedule of Loans (Dollars in thousands) 2021 2020 As of December 31, (Dollars in thousands) 2021 2020 One-to-four family residential real estate loans $ 166,081 $ 157,984 Construction and land loans 27,644 26,106 Commercial real estate loans 198,472 172,307 Commercial loans 132,154 134,047 Paycheck protection program loans 17,179 100,084 Agriculture loans 94,267 96,532 Municipal loans 2,050 2,332 Consumer loans 24,541 24,122 Total gross loans 662,388 713,514 Net deferred loan (fees) costs and loans in process (380 ) (1,957 ) Allowance for loan losses (8,775 ) (8,775 ) Loans, net $ 653,233 $ 702,782
Schedule of Allowance for Credit Losses on Financing Receivables	The following tables provide information on the Company’s allowance for loan losses by loan class and allowance methodology: Schedule of Allowance for Credit Losses on Financing Receivables (Dollars in thousands) Year ended December 31, 2021 One-to-four family residential real estate loans Construction and land loans Commercial real estate loans Commercial loans Paycheck protection loans Agriculture loans Municipal loans Consumer loans Total Allowance for loan losses: Balance at January 1, 2021 $ 859 $ 181 $ 2,482 $ 2,388 $ - $ 2,690 $ 6 $ 169 $ 8,775 Charge-offs (81 ) - (540 ) (72 ) - (50 ) - (235 ) (978 ) Recoveries 11 263 - 14 - 66 6 118 478 Provision for loan losses (166 ) (306 ) 1,109 283 - (485 ) (6 ) 71 500 Balance at December 31, 2021 $ 623 $ 138 $ 3,051 $ 2,613 $ - $ 2,221 $ 6 $ 123 $ 8,775 Allowance for loan losses: Individually evaluated for loss $ - $ - $ - $ 504 $ - $ - $ - $ - $ 504 Collectively evaluated for loss 623 138 3,051 2,109 - 2,221 6 123 8,271 Total $ 623 $ 138 $ 3,051 $ 2,613 $ - $ 2,221 $ 6 $ 123 $ 8,775 Loan balances: Individually evaluated for loss $ 578 $ 794 $ 2,214 $ 1,029 $ - $ 2,067 $ 36 $ - $ 6,718 Collectively evaluated for loss 165,503 26,850 196,258 131,125 17,179 92,200 2,014 24,541 655,670 Total $ 166,081 $ 27,644 $ 198,472 $ 132,154 $ 17,179 $ 94,267 $ 2,050 $ 24,541 $ 662,388 (Dollars in thousands) Year ended December 31, 2020 One-to-four family residential real estate loans Construction and land loans Commercial real estate loans Commercial loans Paycheck protection loans Agriculture loans Municipal loans Consumer loans Total Allowance for loan losses: Balance at January 1, 2020 $ 501 $ 271 $ 1,386 $ 1,815 $ - $ 2,347 $ 7 $ 140 $ 6,467 Charge-offs (251 ) (191 ) (131 ) (292 ) - (3 ) - (248 ) (1,116 ) Recoveries - - 13 3 - - 6 102 124 Provision for loan losses 609 101 1,214 862 - 346 (7 ) 175 3,300 Balance at December 31, 2020 $ 859 $ 181 $ 2,482 $ 2,388 $ - $ 2,690 $ 6 $ 169 $ 8,775 Allowance for loan losses: Individually evaluated for loss $ - $ - $ 177 $ 22 $ - $ 67 $ - $ - $ 266 Collectively evaluated for loss 859 181 2,305 2,366 - 2,623 6 169 8,509 Total $ 859 $ 181 $ 2,482 $ 2,388 $ - $ 2,690 $ 6 $ 169 $ 8,775 Loan balances: Individually evaluated for loss $ 914 $ 1,137 $ 8,119 $ 1,639 $ - $ 614 $ 36 $ 3 $ 12,462 Collectively evaluated for loss 157,070 24,969 164,188 132,408 100,084 95,918 2,296 24,119 701,052 Total $ 157,984 $ 26,106 $ 172,307 $ 134,047 $ 100,084 $ 96,532 $ 2,332 $ 24,122 $ 713,514 (Dollars in thousands) Year ended December 31, 2019 One-to-four family residential real estate Construction and land Commercial real estate Commercial loans Agriculture loans Municipal loans Consumer loans Total Allowance for loan losses: Balance at January 1, 2019 $ 449 $ 168 $ 1,686 $ 1,051 $ 2,238 $ 7 $ 166 $ 5,765 Charge-offs (56 ) (31 ) - (453 ) - - (285 ) (825 ) Recoveries 1 - - 53 - 6 67 127 Provision for loan losses 107 134 (300 ) 1,164 109 (6 ) 192 1,400 Balance at December 31, 2019 $ 501 $ 271 $ 1,386 $ 1,815 $ 2,347 $ 7 $ 140 $ 6,467 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	Schedule of Impaired Financing Receivables (Dollars in thousands) As of December 31, 2021 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 loans $ 578 $ 578 $ 578 $ - $ - $ 590 $ 8 Construction and land loans 2,401 794 794 - - 895 16 Commercial real estate loans 2,214 2,214 2,214 - - 2,388 37 Commercial loans 1,380 1,029 520 509 504 1,096 38 Agriculture loans 2,235 2,067 2,067 - - 2,420 67 Municipal loans 36 36 36 - - 36 1 Total impaired loans $ 8,844 $ 6,718 $ 6,209 $ 509 $ 504 $ 7,425 $ 167 As of December 31, 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 loans $ 914 $ 914 $ 914 $ - $ - $ 925 $ 3 Construction and land loans 2,872 1,137 1,137 - - 1,211 26 Commercial real estate loans 8,119 8,119 4,302 3,817 177 8,152 8 Commercial loans 1,990 1,639 1,543 96 22 1,984 43 Agriculture loans 829 614 538 76 67 618 67 Municipal loans 36 36 36 - - 54 1 Consumer loans 3 3 3 - - 4 - Total impaired loans $ 14,763 $ 12,462 $ 8,473 $ 3,989 $ 266 $ 12,948 $ 148 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 loans $ 1,297 $ 1,256 $ 887 $ 369 $ 129 $ 1,291 $ 10 Construction and land loans 3,214 1,479 1,288 191 191 1,631 36 Commercial real estate loans 3,461 3,461 3,258 203 103 3,489 478 Commercial loans 1,427 1,298 416 882 204 1,464 11 Agriculture loans 1,339 1,124 613 511 106 1,166 48 Municipal loans 58 58 58 - - 58 1 Consumer loans 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	Schedule of Past Due Financing Receivables (Dollars in thousands) As of December 31, 2021 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 loans $ 20 $ 125 $ - $ 145 $ 417 $ 562 $ 165,519 Construction and land loans - - - - 681 681 26,963 Commercial real estate loans - - - - 2,214 2,214 196,258 Commercial loans 289 340 - 629 593 1,222 130,932 Paycheck protection program loans - - - - - - 17,179 Agriculture loans 1,189 - - 1,189 1,325 2,514 91,753 Municipal loans - - - - - - 2,050 Consumer loans 18 9 - 27 - 27 24,514 Total $ 1,516 $ 474 $ - $ 1,990 $ 5,230 $ 7,220 $ 655,168 Percent of gross loans 0.23 % 0.07 % 0.00 % 0.30 % 0.79 % 1.09 % 98.91 % As of December 31, 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 loans $ 262 $ 185 $ - $ 447 $ 749 $ 1,196 $ 156,788 Construction and land loans - - - - 694 694 25,412 Commercial real estate loans - - - - 8,119 8,119 164,188 Commercial loans 832 - - 832 874 1,706 132,341 Paycheck protection program loans - - - - - - 100,084 Agriculture loans 206 29 - 235 76 311 96,221 Municipal loans - - - - - - 2,332 Consumer loans 15 1 - 16 3 19 24,103 Total $ 1,315 $ 215 $ - $ 1,530 $ 10,515 $ 12,045 $ 701,469 Percent of gross loans 0.19 % 0.03 % 0.00 % 0.22 % 1.47 % 1.69 % 98.31 %
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 As of December 31, 2021 As of December 31, 2020 (Dollars in thousands) Nonclassified Classified Nonclassified Classified One-to-four family residential real estate loans $ 165,299 $ 782 $ 154,985 $ 2,999 Construction and land loans 26,963 681 25,412 694 Commercial real estate loans 193,669 4,803 161,661 10,646 Commercial loans 123,609 8,545 132,023 2,024 Paycheck protection program loans 17,179 - 100,084 - Agriculture loans 91,036 3,231 87,662 8,870 Municipal loans 2,050 - 2,332 - Consumer loans 24,541 - 24,119 3 Total $ 644,346 $ 18,042 $ 688,278 $ 25,236
Schedule of Troubled Debt Restructurings on Financing Receivables	The following table presents information on loans that were classified as TDRs: Schedule of Troubled Debt Restructurings on Financing Receivables (Dollars in thousands) As of December 31, 2021 As of December 31, 2020 Number of loans Non-accrual balance Accruing balance Number of loans Non-accrual balance Accruing balance One-to-four family residential real estate loans 2 $ - $ 161 2 $ - $ 165 Construction and land loans 3 681 113 5 693 443 Commercial real estate loans 2 1,224 - 2 1,227 - Commercial loans 4 33 436 7 33 765 Agriculture 4 - 742 4 - 538 Municipal loans 1 - 36 1 - 36 Total troubled debt restructurings 16 $ 1,938 $ 1,488 21 $ 1,953 $ 1,947
Schedule of Loan to Directors Officers and Affiliated Parties	Schedule of Loan to Directors Officers and Affiliated Parties (Dollars in thousands) Balance at December 31, 2020 $ 16,094 New loans 10,920 Repayments (17,077 ) Balance at December 31, 2021 $ 9,937

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Other Intangible Assets and Goodwill	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 December 31, 2021 Gross carrying amount Accumulated amortization Net carrying amount Core deposit intangible assets $ 2,018 $ (1,934 ) $ 84 Lease intangible asset - - - Total other intangible assets $ 2,018 $ (1,934 ) $ 84 As of December 31, 2020 Gross carrying amount Accumulated amortization Net carrying amount Core deposit intangible assets $ 2,018 $ (1,838 ) $ 180 Lease intangible asset 350 (324 ) 26 Total other intangible assets $ 2,368 $ (2,162 ) $ 206
Schedule of Finite-lived Intangible Assets, Future Amortization Expense	The following sets forth estimated amortization expense for core deposit intangible assets for the years ending December 31: Schedule of Finite-lived Intangible Assets, Future Amortization Expense (Dollars in thousands) Amortization expense (Dollars in thousands) Amortization expense 2022 $ 58 2023 26 Total $ 84

Mortgage Loan Servicing (Tables

Mortgage Loan Servicing (Tables)	12 Months Ended
	Dec. 31, 2021
Mortgage Loan Servicing
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) As of December 31, 2021 2020 FHLMC $ 697,484 $ 639,875 FHLB 18,218 28,157 Total $ 715,702 $ 668,032
Schedule of Servicing Asset at Amortized Cost	Activity for mortgage servicing rights and the related valuation allowance follows: Schedule of Servicing Asset at Amortized Cost 2021 2020 (Dollars in thousands) As of December 31, 2021 2020 Mortgage servicing rights: Balance at beginning of year $ 3,726 $ 2,446 Additions 1,946 2,705 Amortization (1,479 ) (1,425 ) Balance at end of year $ 4,193 $ 3,726

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment	Premises and equipment consisted of the following: Schedule of Premises and Equipment 2021 2020 (Dollars in thousands) Estimated As of December 31, useful lives 2021 2020 Land Indefinite $ 6,279 $ 6,279 Office buildings and improvements 10 50 21,097 21,058 Furniture and equipment 3 15 8,652 8,336 Automobiles 2 5 556 567 Total premises and equipment 36,584 36,240 Accumulated depreciation (15,781 ) (15,747 ) Total premises and equipment, net $ 20,803 $ 20,493

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Schedule of Maturities of Time Deposit	The following table presents the maturities of certificates of deposit at December 31, 2021: Schedule of Maturities of Time Deposit Year Amount (Dollars in thousands) Year Amount 2022 $ 90,795 2023 8,918 2024 2,520 2025 1,844 2026 2,028 Thereafter 2 Total $ 106,107
Schedule of Interest Expense Associated with Deposits	The components of interest expense associated with deposits are as follows: Schedule of Interest Expense Associated with Deposits 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Certificate of deposit $ 476 $ 1,166 $ 2,751 Money market and checking 500 899 2,555 Savings 47 40 35 Total $ 1,023 $ 2,105 $ 5,341

Repurchase Agreements (Tables)

Repurchase Agreements (Tables)	12 Months Ended
	Dec. 31, 2021
Schedule of Repurchase Agreements	The following is a summary of the balances and collateral of the Company’s repurchase agreements: Schedule of Repurchase Agreements (Dollars in thousands) Years ended December 31, 2021 2020 Average daily balance during the year $ 5,915 $ 11,066 Average interest rate during the year 0.19 % 0.20 % Maximum month-end balance during the year $ 8,250 $ 17,939 Weighted average interest rate at year-end 0.19 % 0.18 % As of December 31, 2021 Overnight and Continuous Up to 30 days 30-90 days Greater than 90 days Total Repurchase agreements: U.S. federal treasury obligations $ 325 $ - $ - $ - $ 325 U.S. federal agency obligations 3,008 - - - 3,008 Agency mortgage-backed securities 4,070 - - - 4,070 Total $ 7,403 $ - $ - $ - $ 7,403 As of December 31, 2020 Overnight and Up to 30 30-90 Greater than 90 Continuous days days days Total Repurchase agreements: U.S. federal agency obligations $ 2,412 $ - $ - $ - $ 2,412 Agency mortgage-backed securities 3,959 - - - 3,959 Total $ 6,371 $ - $ - $ - $ 6,371

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	12 Months Ended
	Dec. 31, 2021
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 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Non-interest income: Service charges on deposits Overdraft fees $ 2,987 $ 2,991 $ 3,591 Other 679 644 585 Interchange income 3,261 2,604 2,049 Loan servicing fees (1) 1,780 1,534 1,367 Office lease income (1) 574 652 642 Gains on sales of loans (1) 10,487 15,155 6,353 Bank owned life insurance income (1) 686 611 752 Gains (losses) on sales of investment securities (1) 1,138 2,448 (177 ) (Losses) gains on sales of premises and equipment and foreclosed assets (4 ) (29 ) 52 Other 673 748 595 Total non-interest income $ 22,261 $ 27,358 $ 15,809

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	Income tax expense (benefit) attributable to income from operations consisted of the following: Schedule of Components of Income Tax Expense (Benefit) 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Current: Federal $ 3,039 $ 4,582 $ 1,805 State 967 708 (157 ) Total current 4,006 5,290 1,648 Deferred: Federal 662 (442 ) (160 ) State 196 (8 ) 22 Total deferred 858 (450 ) (138 ) Deferred tax valuation allowance (50 ) (53 ) (57 ) Income tax expense $ 4,814 $ 4,787 $ 1,453
Schedule of Effective Income Tax Rate Reconciliation	The reasons for the difference between actual income tax expense (benefit) and expected income tax expense attributable to income from operations at the statutory federal income tax rate were as follows: Schedule of Effective Income Tax Rate Reconciliation 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Computed “expected” tax expense $ 4,793 $ 5,099 $ 2,544 (Reduction) increase in income taxes resulting from: Tax-exempt interest income, net (645 ) (695 ) (748 ) Excess tax benefit from stock option exercise (29 ) (26 ) - Bank owned life insurance (156 ) (137 ) (165 ) Reversal of unrecognized tax benefits, net 162 (229 ) (558 ) State income taxes, net of federal benefit 718 800 407 Investment tax credits (19 ) (28 ) (15 ) Other, net (10 ) 3 (12 ) Income tax (benefit) expense $ 4,814 $ 4,787 $ 1,453
Schedule of Deferred Tax Assets and Liabilities	The tax effects of temporary differences that give rise to the significant portions of the deferred tax assets and liabilities at the following dates were as follows: Schedule of Deferred Tax Assets and Liabilities 2021 2020 (Dollars in thousands) As of December 31, 2021 2020 Deferred tax assets: Loans, including allowance for loan losses $ 2,041 $ 2,040 Net operating loss carry forwards 223 273 State taxes 534 614 Net deferred loan fees 125 432 Acquisition costs 141 161 Deferred compensation arrangements 64 66 Investments 70 54 Other, net 184 158 Total deferred tax assets 3,382 3,798 Less valuation allowance (223 ) (273 ) Total deferred tax assets, net of valuation allowance 3,159 3,525 Deferred tax liabilities: Unrealized gain on investment securities available-for-sale 1,259 3,065 Premises and equipment, net of depreciation 723 500 Mortgage servicing rights 879 777 Prepaid expenses 314 302 Intangible assets 387 278 FHLB stock dividends 8 12 Total deferred tax liabilities 3,570 4,934 Net deferred tax liability $ (411 ) $ (1,409 )
Schedule of Unrecognized Tax Benefits	The Company has unrecognized tax benefits representing tax positions for which a liability has been established. A reconciliation of the beginning and ending amount of the liability relating to unrecognized tax benefits is as follows: Schedule of Unrecognized Tax Benefits (Dollars in thousands) Years ended December 31, 2021 2020 Unrecognized tax benefits at beginning of year $ 2,138 $ 1,416 Gross increases to current year tax positions 325 1,100 Gross decreases to prior year’s tax positions (125 ) (26 ) Lapse of statute of limitations (48 ) (352 ) Unrecognized tax benefits at end of year $ 2,290 $ 2,138

Stock Compensation Plan (Tables

Stock Compensation Plan (Tables)	12 Months Ended
	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule of Fair Value of Options Assumed	Schedule of Fair Value of Options Assumed 2021 2020 2019 Years ended December 31, 2021 2020 2019 Risk-free interest rate 1.00 % n/a 1.77 % Expected term 7 year n/a 7 year Expected stock price volatility 28.51 % n/a 26.06 % Dividend yield 2.88 % n/a 3.41 %
Schedule of Share-based Compensation, Stock Options, Activity	A summary of option activity during 2021 is presented below: Schedule of Share-based Compensation, Stock Options, Activity (Dollars in thousands, except per share amounts) Weighted Weighted average average exercise remaining Aggregate price contractual intrinsic Shares per share term value Outstanding at January 1, 2021 102,630 $ 21.26 7.3 $ 202 Granted 48,658 $ 27.75 Effect of 5 7,059 Forfeited/expired (3,964 ) $ 15.62 Exercised (6,172 ) $ 10.78 Outstanding at December 31, 2021 148,211 $ 22.97 7.8 $ 848 Exercisable at December 31, 2021 54,371 $ 21.85 6.4 $ 372 Fully vested options at December 31, 2021 54,371 $ 21.85 6.4 $ 372
Schedule of Stock Option Exercised Additional Information	Additional information about stock options exercised is presented below: Schedule of Stock Option Exercised Additional Information 2021 2020 2019 (Dollars in thousands) Years ended December 31, 2021 2020 2019 Intrinsic value of options exercised (on exercise date) $ 141 $ 430 $ 42 Cash received from options exercised 22 42 36 Excess tax benefit realized from options exercised $ 21 $ 32 $ -
Schedule of Share-based Compensation Arrangements by Share-based Payment Award	Schedule of Share-based Compensation Arrangements by Share-based Payment Award Year Amount (Dollars in thousands) Year Amount 2022 $ 129 2023 104 2024 69 2025 40 Total $ 342
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule of Share-based Compensation Arrangements by Share-based Payment Award	Schedule of Share-based Compensation Arrangements by Share-based Payment Award Year Amount (Dollars in thousands) Year Amount 2022 $ 136 2023 64 2024 37 Total $ 237
Schedule of Nonvested Share Activity	Schedule of Nonvested Share Activity Shares Weighted average grant date price per share Nonvested restricted common stock at January 1, 2021 22,125 $ 20.83 Granted 2,880 $ 27.75 Vested (8,453 ) $ 27.07 Forfeited - $ - Effect of 5 827 Nonvested restricted common stock at December 31, 2021 17,379 $ 21.05

Fair Value of Financial Instr_2

Fair Value of Financial Instruments and Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Schedule of Fair Value, by Balance Sheet Grouping	Fair value estimates of the Company’s financial instruments as of December 31, 2021 and 2020, including methods and assumptions utilized, are set forth below: Schedule of Fair Value, by Balance Sheet Grouping (Dollars in thousands) As of December 31, 2021 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 189,213 $ 189,213 $ - $ - $ 189,213 Interest-bearing deposits at other banks 7,378 - 7,378 - 7,378 Investment securities available-for-sale 380,717 42,675 338,042 - 380,717 Bank stocks, at cost 2,905 n/a n/a n/a n/a Loans, net 653,233 - - 663,625 663,625 Loans held for sale 4,795 - 4,795 - 4,795 Mortgage servicing rights 4,193 - 6,722 - 6,722 Accrued interest receivable 4,405 107 1,666 2,632 4,405 Derivative financial instruments 494 - 494 - 494 Financial liabilities: Non-maturity deposits $ (1,042,374 ) $ (1,042,374 ) $ - $ - $ (1,042,374 ) Certificates of deposit (106,107 ) - (105,935 ) - (105,935 ) Subordinated debentures (21,651 ) - (16,375 ) - (16,375 ) Other borrowings (7,403 ) - (7,403 ) - (7,403 ) Accrued interest payable (125 ) - (125 ) - (125 ) (Dollars in thousands) As of December 31, 2020 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 84,818 $ 84,818 $ - $ - $ 84,818 Interest-bearing deposits at other banks 5,460 - 5,460 - 5,460 Investment securities available-for-sale 291,810 2,037 289,773 - 291,810 Bank stocks, at cost 4,473 n/a n/a n/a n/a Loans, net 702,782 - - 718,071 718,071 Loans held for sale 15,533 - 15,533 - 15,533 Mortgage servicing rights 3,726 - 4,361 - 4,361 Accrued interest receivable 4,885 - 1,697 3,188 4,885 Derivative financial instruments 1,796 - 1,796 - 1,796 Financial liabilities: Non-maturity deposits $ (882,277 ) $ (882,277 ) $ - $ - $ (882,277 ) Certificates of deposit (133,750 ) - (134,048 ) - (134,048 ) Subordinated debentures (21,651 ) - (15,232 ) - (15,232 ) Other borrowings (6,371 ) - (6,371 ) - (6,371 ) Accrued interest payable (168 ) - (168 ) - (168 ) Derivative financial instruments (466 ) - (466 ) - (466 )
Schedule of Fair Value, Assets Measured On Recurring Basis	The following table represents the Company’s financial instruments that are measured at fair value on a recurring basis at December 31, 2021 and 2020, allocated to the appropriate fair value hierarchy: Schedule of Fair Value, Assets Measured On Recurring Basis (Dollars in thousands) As of December 31, 2021 Fair value hierarchy Total Level 1 Level 2 Level 3 Assets: Available-for-sale securities U. S. treasury securities $ 42,675 $ 42,675 $ - $ - U. S. federal agency obligations 17,195 - 17,195 - Municipal obligations, tax exempt 137,984 - 137,984 - Municipal obligations, taxable 40,046 - 40,046 - Agency mortgage-backed securities 142,817 - 142,817 - Loans held for sale 4,795 - 4,795 - Derivative financial instruments 494 - 494 - (Dollars in thousands) As of December 31, 2020 Fair value hierarchy Total Level 1 Level 2 Level 3 Assets: Available-for-sale securities U. S. treasury securities $ 2,037 $ 2,037 $ - $ - U. S. federal agency obligations 18,924 - 18,924 - Municipal obligations, tax exempt 142,676 - 142,676 - Municipal obligations, taxable 49,535 - 49,535 - Agency mortgage-backed securities 78,638 - 78,638 - Loans held for sale 15,533 - 15,533 - Derivative financial instruments 1,796 - 1,796 - Liabilities: Derivative financial instruments (466 ) - (466 ) -
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 or loss on loans held for sale were as follows: Schedule of Fair Value Contractual Balance and Gain Loss On Loans Held for Sale As of December 31, (Dollars in thousands) 2021 2020 Aggregate fair value $ 4,795 $ 15,533 Contractual balance 4,651 15,151 Gain $ 144 $ 382
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 As of December 31, (Dollars in thousands) 2021 2020 2019 Total change in fair value $ (836 ) $ 848 $ (15 )
Schedule of Fair Value Measurements On Nonrecurring, Valuation Techniques	The following table presents quantitative information about Level 3 fair value measurements for impaired loans measure at fair value on a non-recurring basis as of December 31, 2021 and 2020. Schedule of Fair Value Measurements On Nonrecurring, Valuation Techniques (Dollars in thousands) Fair value Valuation technique Unobservable inputs Range As of December 31, 2021 Impaired loans: Commercial loans $ 5 Sales comparison Adjustment to comparable value 0 % As of December 31, 2020 Impaired loans: Commercial real estate $ 3,640 Sales comparison Adjustment to appraised value 20 % Commercial loans 74 Sales comparison Adjustment to comparable sales 0 69 % Agriculture loans 9 Sales comparison Adjustment to appraised value 20 % Real estate owned: One-to-four family residential real estate 48 Sales comparison Adjustment to appraised value 10 %

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2021
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 in effect at December 31, 2021 and 2020: 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 December 31, 2021 Leverage $ 135,824 10.83 % $ 50,181 4.0 % Common Equity Tier 1 Capital 114,824 15.00 % 53,592 7.0 % Tier 1 Capital 135,824 17.74 % 65,077 8.5 % Total Risk Based Capital 144,739 18.91 % 80,389 10.5 % As of December 31, 2020 Leverage $ 121,068 10.70 % $ 45,262 4.0 % Common Equity Tier 1 Capital 100,068 13.77 % 50,866 7.0 % Tier 1 Capital 121,068 16.66 % 61,766 8.5 % Total Risk Based Capital 129,983 17.89 % 76,300 10.5 % (1) The required percent for capital adequacy purposes includes 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 in effect at December 31, 2021 and 2020: Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations (Dollars in thousands) Actual For capital adequacy purposes To be well-capitalized under regulatory guidelines Amount Ratio Amount Ratio (1) Amount Ratio As of December 31, 2021 Leverage $ 132,313 10.58 % $ 50,040 4.0 % $ 62,550 5.0 % Common Equity Tier 1 Capital 132,313 17.29 % 53,563 7.0 % 49,737 6.5 % Tier 1 Capital 132,313 17.29 % 65,041 8.5 % 61,215 8.0 % Total Risk Based Capital 141,228 18.46 % 80,345 10.5 % 76,519 10.0 % As of December 31, 2020 Leverage $ 118,174 10.47 % $ 45,139 4.0 % $ 56,423 5.0 % Common Equity Tier 1 Capital 118,174 16.27 % 50,829 7.0 % 47,199 6.5 % Tier 1 Capital 118,174 16.27 % 61,721 8.5 % 58,091 8.0 % Total Risk Based Capital 127,089 17.50 % 76,244 10.5 % 72,613 10.0 % (1) The required percent for capital adequacy purposes includes a capital conservation buffer of 2.5

Parent Company Condensed Fina_2

Parent Company Condensed Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Schedule of Condensed Financial Statements	The following is condensed financial information of the parent company as of December 31, 2021 and 2020 and for the years ended December 31, 2021, 2020 and 2019: Schedule of Condensed Financial Statements Condensed Balance Sheets (Dollars in thousands) As of December 31, 2021 2020 Assets: Cash and cash equivalents $ 1,121 $ 105 Interest-bearing deposits at other banks 214 212 Investment in subsidiaries 154,978 146,896 Other 1,074 1,217 Total assets $ 157,387 $ 148,430 Liabilities and stockholders' equity: Subordinated debentures $ 21,651 $ 21,651 Other 93 107 Stockholders' equity 135,643 126,672 Total liabilities and stockholders' equity $ 157,387 $ 148,430 Condensed Statements of Earnings (Dollars in thousands) Years ended December 31, 2021 2020 2019 Dividends from Bank $ 4,600 $ 6,900 $ 4,500 Dividends from nonbank subsidiary 1,000 - - Interest income 16 21 31 Other non-interest income 7 7 7 Interest expense (472 ) (614 ) (970 ) Other expense, net (532 ) (352 ) (304 ) Earnings before equity in undistributed earnings 4,619 5,962 3,264 Increase in undistributed equity of Bank 13,599 13,087 6,801 (Decrease) increase in undistributed equity of nonbank subsidiary (272 ) 248 338 Earnings before income taxes 17,946 19,297 10,403 Income tax benefit (65 ) (196 ) (259 ) Net earnings 18,011 19,493 10,662 Other comprehensive (loss) income (5,567 ) 4,208 9,230 Total comprehensive income $ 12,444 $ 23,701 $ 19,892 Condensed Statements of Cash Flows (Dollars in thousands) Years ended December 31, 2021 2020 2019 Cash flows from operating activities: Net earnings $ 18,011 $ 19,493 $ 10,662 Increase in undistributed equity of subsidiaries (13,327 ) (13,335 ) (7,139 ) Other 130 (312 ) 23 Net cash provided by operating activities 4,814 5,846 3,546 Cash flows from investing activities: Net change in interest-bearing deposits at banks (2 ) 26 (1 ) Net cash (used in) provided by investing activities (2 ) 26 (1 ) Cash flows from financing activities: Proceeds from exercise of stock options 22 42 36 Payment of dividends (3,818 ) (3,633 ) (3,508 ) Purchase of treasury stock - (2,349 ) - Net cash used in financing activities (3,796 ) (5,940 ) (3,472 ) Net increase (decrease) in cash 1,016 (68 ) 73 Cash at beginning of year 105 173 100 Cash at end of year $ 1,121 $ 105 $ 173

Schedule of Earnings Per Share,

Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounting Policies [Abstract]
Net earnings available to common shareholders		$ 18,011	$ 19,493	$ 10,662
Weighted average common shares outstanding - basic		4,994,546	4,987,322	5,063,402
Assumed exercise of stock options		12,066	4,579	15,260
Weighted average common shares outstanding - diluted		5,006,612	4,991,901	5,078,662
Basic	[1]	$ 3.61	$ 3.91	$ 2.11
Diluted	[1]	$ 3.60	$ 3.91	$ 2.10
[1]	All per share amounts have been adjusted to give effect to the 5

Summary of Significant Accoun_4

Summary of Significant Accounting Policies (Details Narrative) - shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounting Policies [Abstract]
Income tax examination, likelihood of unfavorable settlement	greater than 50 percent likelihood of being realized upon ultimate settlement
Diluted earning per shares excluded unexercised stock option	51,088	99,364	110,293

Schedule of Available-for-sale

Schedule of Available-for-sale Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Investment Holdings [Line Items]
Amortized cost	$ 375,579	$ 279,298
Gross unrealized gains	7,065	12,542
Gross unrealized losses	(1,927)	(30)
Estimated fair value	380,717	291,810
US Treasury Securities [Member]
Investment Holdings [Line Items]
Amortized cost	43,098	2,000
Gross unrealized gains		37
Gross unrealized losses	(423)
Estimated fair value	42,675	2,037
U.S. Federal Agency Obligations [Member]
Investment Holdings [Line Items]
Amortized cost	17,165	18,804
Gross unrealized gains	67	138
Gross unrealized losses	(37)	(18)
Estimated fair value	17,195	18,924
Municipal Obligations, Tax Exempt [Member]
Investment Holdings [Line Items]
Amortized cost	133,558	136,321
Gross unrealized gains	4,488	6,367
Gross unrealized losses	(62)	(12)
Estimated fair value	137,984	142,676
Municipal Obligations, Taxable [Member]
Investment Holdings [Line Items]
Amortized cost	39,011	46,643
Gross unrealized gains	1,171	2,892
Gross unrealized losses	(136)
Estimated fair value	40,046	49,535
Agency Mortgage-backed Securities [Member]
Investment Holdings [Line Items]
Amortized cost	142,747	75,530
Gross unrealized gains	1,339	3,108
Gross unrealized losses	(1,269)
Estimated fair value	$ 142,817	$ 78,638

Schedule of Available for Sale

Schedule of Available for Sale Securities Continuous Unrealized Loss Position Fair Value (Details) $ in Thousands	Dec. 31, 2021USD ($)Integer	Dec. 31, 2020USD ($)Integer
Investment Holdings [Line Items]
No. of securities | Integer	112	16
Less than 12 months, Fair value	$ 170,989	$ 15,963
Less than 12 months, Unrealized losses	(1,904)	(30)
12 months or longer, Fair value	4,927
12 months or longer, Unrealized losses	(23)
Total, Fair value	175,916	15,963
Total, Unrealized losses	$ (1,927)	$ (30)
US Treasury Securities [Member]
Investment Holdings [Line Items]
No. of securities | Integer	28
Less than 12 months, Fair value	$ 42,675
Less than 12 months, Unrealized losses	(423)
12 months or longer, Fair value
12 months or longer, Unrealized losses
Total, Fair value	42,675
Total, Unrealized losses	$ (423)
U.S. Federal Agency Obligations [Member]
Investment Holdings [Line Items]
No. of securities | Integer	6	4
Less than 12 months, Fair value	$ 12,073	$ 11,772
Less than 12 months, Unrealized losses	(30)	(18)
12 months or longer, Fair value	3,048
12 months or longer, Unrealized losses	(7)
Total, Fair value	15,121	11,772
Total, Unrealized losses	$ (37)	$ (18)
Municipal Obligations, Tax Exempt [Member]
Investment Holdings [Line Items]
No. of securities | Integer	37	12
Less than 12 months, Fair value	$ 12,411	$ 4,191
Less than 12 months, Unrealized losses	(46)	(12)
12 months or longer, Fair value	1,879
12 months or longer, Unrealized losses	(16)
Total, Fair value	14,290	4,191
Total, Unrealized losses	$ (62)	$ (12)
Municipal Obligations, Taxable [Member]
Investment Holdings [Line Items]
No. of securities | Integer	13
Less than 12 months, Fair value	$ 8,802
Less than 12 months, Unrealized losses	(136)
12 months or longer, Fair value
12 months or longer, Unrealized losses
Total, Fair value	8,802
Total, Unrealized losses	$ (136)
Agency Mortgage-backed Securities [Member]
Investment Holdings [Line Items]
No. of securities | Integer	28
Less than 12 months, Fair value	$ 95,028
Less than 12 months, Unrealized losses	(1,269)
12 months or longer, Fair value
12 months or longer, Unrealized losses
Total, Fair value	95,028
Total, Unrealized losses	$ (1,269)

Schedule of Investments Classif

Schedule of Investments Classified by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of Investments [Abstract]
Amortized cost, due in less than one year	$ 18,859
Estimated fair value, due in less than one year	18,921
Amortized cost, due after one year but within five years	256,749
Estimated fair value, due after one year but within five years	257,619
Amortized cost, due after five years but within ten years	52,372
Estimated fair value, due after five years but within ten years	54,243
Amortized cost, due after ten years	47,599
Estimated fair value, due after ten years	49,934
Amortized cost, Total	375,579	$ 279,298
Estimated fair value, Total	$ 380,717	$ 291,810

Schedule of Realized Gain (loss

Schedule of Realized Gain (loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Schedule of Investments [Abstract]
Sales proceeds	$ 16,623	$ 61,163	$ 15,318
Realized gains	1,138	2,449	2
Realized losses		(1)	(179)
Net realized gains	$ 1,138	$ 2,448	$ (177)

Investment Securities (Details

Investment Securities (Details Narrative) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Schedule of Investments [Abstract]
Security owned and pledged as collateral, fair value	$ 331.7	$ 279.2
Equity method investment, ownership percentage	10.00%

Bank Stocks (Details Narrative)

Bank Stocks (Details Narrative) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Bank Stocks
Federal home loan bank stock	$ 857,000	$ 2,400,000
Federal reserve bank stock	1,900,000	1,900,000
Other assets, miscellaneous	$ 111,000	$ 111,000

Schedule of Loans (Details)

Schedule of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Total gross loans	$ 662,388	$ 713,514	$ 538,392
Net deferred loan (fees) costs and loans in process	(380)	(1,957)
Allowance for loan losses	(8,775)	(8,775)
Loans, net	653,233	702,782
One-to-four Family Residential Real Estate Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Total gross loans	166,081	157,984	146,505
Construction and Land Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Total gross loans	27,644	26,106	22,459
Commercial Real Estate Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Total gross loans	198,472	172,307	133,501
Commercial Loan [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Total gross loans	132,154	134,047	109,612
Paycheck Protection Program Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Total gross loans	17,179	100,084
Agriculture Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Total gross loans	94,267	96,532	98,558
Municipal Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Total gross loans	2,050	2,332	$ 2,656
Consumer Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Total gross loans	$ 24,541	$ 24,122

Schedule of Allowance for Credi

Schedule of Allowance for Credit Losses on Financing Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Balance	$ 8,775	$ 6,467	$ 5,765
Charge-offs	(978)	(1,116)	(825)
Recoveries	478	124	127
Provision for loan losses	500	3,300	1,400
Balance	8,775	8,775	6,467
Individually evaluated for loss	504	266	733
Collectively evaluated for loss	8,271	8,509	5,734
Total	8,775	8,775	6,467
Individually evaluated for loss	6,718	12,462	8,680
Collectively evaluated for loss	655,670	701,052	529,712
Loans and Leases Receivable, Gross, Total	662,388	713,514	538,392
One-to-four Family Residential Real Estate Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Balance	859	501	449
Charge-offs	(81)	(251)	(56)
Recoveries	11		1
Provision for loan losses	(166)	609	107
Balance	623	859	501
Individually evaluated for loss			129
Collectively evaluated for loss	623	859	372
Total	623	859	501
Individually evaluated for loss	578	914	1,256
Collectively evaluated for loss	165,503	157,070	145,249
Loans and Leases Receivable, Gross, Total	166,081	157,984	146,505
Construction and Land Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Balance	181	271	168
Charge-offs		(191)	(31)
Recoveries	263
Provision for loan losses	(306)	101	134
Balance	138	181	271
Individually evaluated for loss			191
Collectively evaluated for loss	138	181	80
Total	138	181	271
Individually evaluated for loss	794	1,137	1,479
Collectively evaluated for loss	26,850	24,969	20,980
Loans and Leases Receivable, Gross, Total	27,644	26,106	22,459
Commercial Real Estate Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Balance	2,482	1,386	1,686
Charge-offs	(540)	(131)
Recoveries		13
Provision for loan losses	1,109	1,214	(300)
Balance	3,051	2,482	1,386
Individually evaluated for loss		177	103
Collectively evaluated for loss	3,051	2,305	1,283
Total	3,051	2,482	1,386
Individually evaluated for loss	2,214	8,119	3,461
Collectively evaluated for loss	196,258	164,188	130,040
Loans and Leases Receivable, Gross, Total	198,472	172,307	133,501
Commercial Loan [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Balance	2,388	1,815	1,051
Charge-offs	(72)	(292)	(453)
Recoveries	14	3	53
Provision for loan losses	283	862	1,164
Balance	2,613	2,388	1,815
Individually evaluated for loss	504	22	204
Collectively evaluated for loss	2,109	2,366	1,611
Total	2,613	2,388	1,815
Individually evaluated for loss	1,029	1,639	1,298
Collectively evaluated for loss	131,125	132,408	108,314
Loans and Leases Receivable, Gross, Total	132,154	134,047	109,612
Paycheck Protection Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Balance
Charge-offs
Recoveries
Provision for loan losses
Balance
Individually evaluated for loss
Collectively evaluated for loss
Total
Individually evaluated for loss
Collectively evaluated for loss	17,179	100,084
Loans and Leases Receivable, Gross, Total	17,179	100,084
Agriculture Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Balance	2,690	2,347	2,238
Charge-offs	(50)	(3)
Recoveries	66
Provision for loan losses	(485)	346	109
Balance	2,221	2,690	2,347
Individually evaluated for loss		67	106
Collectively evaluated for loss	2,221	2,623	2,241
Total	2,221	2,690	2,347
Individually evaluated for loss	2,067	614	1,124
Collectively evaluated for loss	92,200	95,918	97,434
Loans and Leases Receivable, Gross, Total	94,267	96,532	98,558
Municipal Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Balance	6	7	7
Charge-offs
Recoveries	6	6	6
Provision for loan losses	(6)	(7)	(6)
Balance	6	6	7
Individually evaluated for loss
Collectively evaluated for loss	6	6	7
Total	6	6	7
Individually evaluated for loss	36	36	58
Collectively evaluated for loss	2,014	2,296	2,598
Loans and Leases Receivable, Gross, Total	2,050	2,332	2,656
Consumer Loan [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Balance	169	140	166
Charge-offs	(235)	(248)	(285)
Recoveries	118	102	67
Provision for loan losses	71	175	192
Balance	123	169	140
Individually evaluated for loss
Collectively evaluated for loss	123	169	140
Total	123	169	140
Individually evaluated for loss		3	4
Collectively evaluated for loss	24,541	24,119	25,097
Loans and Leases Receivable, Gross, Total	$ 24,541	$ 24,122	$ 25,101

Schedule of Impaired Financing

Schedule of Impaired Financing Receivables (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Unpaid contractual principal	$ 8,844,000	$ 14,763,000	$ 10,800,000
Impaired loan balance	6,718,000	12,462,000	8,680,000
Impaired loans without an allowance	6,209,000	8,473,000	6,524,000
Impaired loans with an allowance	509,000	3,989,000	2,156,000
Related allowance recorded	504,000	266,000	733,000
Year-to-date average loan balance	7,425,000	12,948,000	9,104,000
Year-to-date interest income recognized	167,000	148,000	584,000
One-to-four Family Residential Real Estate Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Unpaid contractual principal	578,000	914,000	1,297,000
Impaired loan balance	578,000	914,000	1,256,000
Impaired loans without an allowance	578,000	914,000	887,000
Impaired loans with an allowance			369,000
Related allowance recorded			129,000
Year-to-date average loan balance	590,000	925,000	1,291,000
Year-to-date interest income recognized	8,000	3,000	10,000
Construction and Land Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Unpaid contractual principal	2,401,000	2,872,000	3,214,000
Impaired loan balance	794,000	1,137,000	1,479,000
Impaired loans without an allowance	794,000	1,137,000	1,288,000
Impaired loans with an allowance			191,000
Related allowance recorded			191,000
Year-to-date average loan balance	895,000	1,211,000	1,631,000
Year-to-date interest income recognized	16,000	26,000	36,000
Commercial Real Estate Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Unpaid contractual principal	2,214,000	8,119,000	3,461,000
Impaired loan balance	2,214,000	8,119,000	3,461,000
Impaired loans without an allowance	2,214,000	4,302,000	3,258,000
Impaired loans with an allowance		3,817,000	203,000
Related allowance recorded		177,000	103,000
Year-to-date average loan balance	2,388,000	8,152,000	3,489,000
Year-to-date interest income recognized	37,000	8,000	478,000
Commercial Loan [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Unpaid contractual principal	1,380,000	1,990,000	1,427,000
Impaired loan balance	1,029,000	1,639,000	1,298,000
Impaired loans without an allowance	520,000	1,543,000	416,000
Impaired loans with an allowance	509,000	96,000	882,000
Related allowance recorded	504,000	22,000	204,000
Year-to-date average loan balance	1,096,000	1,984,000	1,464,000
Year-to-date interest income recognized	38,000	43,000	11,000
Agriculture Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Unpaid contractual principal	2,235,000	829,000	1,339,000
Impaired loan balance	2,067,000	614,000	1,124,000
Impaired loans without an allowance	2,067,000	538,000	613,000
Impaired loans with an allowance		76,000	511,000
Related allowance recorded		67,000	106,000
Year-to-date average loan balance	2,420,000	618,000	1,166,000
Year-to-date interest income recognized	67,000	67,000	48,000
Municipal Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Unpaid contractual principal	36,000	36,000	58,000
Impaired loan balance	36,000	36,000	58,000
Impaired loans without an allowance	36,000	36,000	58,000
Impaired loans with an allowance
Related allowance recorded
Year-to-date average loan balance	36,000	54,000	58,000
Year-to-date interest income recognized	$ 1,000	1,000	1,000
Consumer Loan [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Unpaid contractual principal		3,000	4,000
Impaired loan balance		3,000	4,000
Impaired loans without an allowance		3,000	4,000
Impaired loans with an allowance
Related allowance recorded
Year-to-date average loan balance		4,000	5,000
Year-to-date interest income recognized

Schedule of Past Due Financing

Schedule of Past Due Financing Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	$ 1,990	$ 1,530
Loans, Non-accrual loans	5,230	10,515
Loan, Total past due and non-accrual loans	7,220	12,045
Loan, Total loans not past due	$ 655,168	$ 701,469
Percentage of gross loans, Total past due loans accruing	0.30%	0.22%
Percent of gross loans, Non-accrual loans	0.79%	1.47%
Percentage of Total past due and non-accrual loans	1.09%	1.69%
Percentage of Total loans not past due	98.91%	98.31%
30-59 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	$ 1,516	$ 1,315
Percentage of gross loans, Total past due loans accruing	0.23%	0.19%
60-89 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	$ 474	$ 215
Percentage of gross loans, Total past due loans accruing	0.07%	0.03%
90 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] | 30-59 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	$ 20	$ 262
One-to-four Family Residential Real Estate [Member] | 60-89 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	125	185
One-to-four Family Residential Real Estate [Member] | 90 Days or More Delinquent and Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
One-to-four Family Residential Real Estate Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	145	447
Loans, Non-accrual loans	417	749
Loan, Total past due and non-accrual loans	562	1,196
Loan, Total loans not past due	165,519	156,788
Construction and Land Loans [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Loans, Non-accrual loans	681	694
Loan, Total past due and non-accrual loans	681	694
Loan, Total loans not past due	26,963	25,412
Construction and Land Loans [Member] | 30-59 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Construction and Land Loans [Member] | 60-89 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Construction and Land Loans [Member] | 90 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
Loans, Non-accrual loans	2,214	8,119
Loan, Total past due and non-accrual loans	2,214	8,119
Loan, Total loans not past due	196,258	164,188
Commercial Real Estate [Member] | 30-59 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Commercial Real Estate [Member] | 60-89 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Commercial Real Estate [Member] | 90 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	629	832
Loans, Non-accrual loans	593	874
Loan, Total past due and non-accrual loans	1,222	1,706
Loan, Total loans not past due	130,932	132,341
Commercial Loans [Member] | 30-59 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	289	832
Commercial Loans [Member] | 60-89 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	340
Commercial Loans [Member] | 90 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	17,179	100,084
Paycheck Protection Loans [Member] | 30-59 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Paycheck Protection Loans [Member] | 60-89 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Paycheck Protection Loans [Member] | 90 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	1,189	235
Loans, Non-accrual loans	1,325	76
Loan, Total past due and non-accrual loans	2,514	311
Loan, Total loans not past due	91,753	96,221
Agriculture Loans [Member] | 30-59 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	1,189	206
Agriculture Loans [Member] | 60-89 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing		29
Agriculture Loans [Member] | 90 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	2,050	2,332
Municipal Loans [Member] | 30-59 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Municipal Loans [Member] | 60-89 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing
Municipal Loans [Member] | 90 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	27	16
Loans, Non-accrual loans		3
Loan, Total past due and non-accrual loans	27	19
Loan, Total loans not past due	24,514	24,103
Consumer Loans [Member] | 30-59 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	18	15
Consumer Loans [Member] | 60-89 Days Delinquent And Accruing [Member]
Financing Receivable, Past Due [Line Items]
Loans, Total past due loans accruing	9	1
Consumer Loans [Member] | 90 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	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	$ 662,388	$ 713,514	$ 538,392
Construction and Land Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	27,644	26,106	22,459
Paycheck Protection Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	17,179	100,084
Agriculture Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	94,267	96,532	98,558
Municipal Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	2,050	2,332	$ 2,656
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	24,541	24,122
Loans Receivables Non Classified [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	644,346	688,278
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	165,299	154,985
Loans Receivables Non Classified [Member] | Construction and Land Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	26,963	25,412
Loans Receivables Non Classified [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	193,669	161,661
Loans Receivables Non Classified [Member] | Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	123,609	132,023
Loans Receivables Non Classified [Member] | Paycheck Protection Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	17,179	100,084
Loans Receivables Non Classified [Member] | Agriculture Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	91,036	87,662
Loans Receivables Non Classified [Member] | Municipal Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	2,050	2,332
Loans Receivables Non Classified [Member] | Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	24,541	24,119
Loans Receivables Classified [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	18,042	25,236
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	782	2,999
Loans Receivables Classified [Member] | Construction and Land Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	681	694
Loans Receivables Classified [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	4,803	10,646
Loans Receivables Classified [Member] | Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross, Total	8,545	2,024
Loans Receivables Classified [Member] | Paycheck Protection 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	3,231	8,870
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		$ 3

Schedule of Troubled Debt Restr

Schedule of Troubled Debt Restructurings on Financing Receivables (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Integer	Dec. 31, 2020USD ($)Integer
One-to-four Family Residential Real Estate Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Troubled debt restructurings, Number of loans | Integer	2	2
Financing receivable, modifications, recorded investment, non accrual balance
Financing receivable, modifications, recorded investment, accruing balance	$ 161	$ 165
Construction and Land Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Troubled debt restructurings, Number of loans | Integer	3	5
Financing receivable, modifications, recorded investment, non accrual balance	$ 681	$ 693
Financing receivable, modifications, recorded investment, accruing balance	$ 113	$ 443
Commercial Real Estate Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Troubled debt restructurings, Number of loans | Integer	2	2
Financing receivable, modifications, recorded investment, non accrual balance	$ 1,224	$ 1,227
Financing receivable, modifications, recorded investment, accruing balance
Commercial Loan [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Troubled debt restructurings, Number of loans | Integer	4	7
Financing receivable, modifications, recorded investment, non accrual balance	$ 33	$ 33
Financing receivable, modifications, recorded investment, accruing balance	$ 436	$ 765
Agriculture loan [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Troubled debt restructurings, Number of loans | Integer	4	4
Financing receivable, modifications, recorded investment, non accrual balance
Financing receivable, modifications, recorded investment, accruing balance	$ 742	$ 538
Municipal Loans [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Troubled debt restructurings, Number of loans | Integer	1	1
Financing receivable, modifications, recorded investment, non accrual balance
Financing receivable, modifications, recorded investment, accruing balance	$ 36	$ 36
Troubled Debt Restructurings [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]
Troubled debt restructurings, Number of loans | Integer	16	21
Financing receivable, modifications, recorded investment, non accrual balance	$ 1,938	$ 1,953
Financing receivable, modifications, recorded investment, accruing balance	$ 1,488	$ 1,947

Schedule of Loan to Directors O

Schedule of Loan to Directors Officers and Affiliated Parties (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)
Receivables [Abstract]
Balance at December 31, 2020	$ 16,094
New loans	10,920
Repayments	(17,077)
Balance at December 31, 2021	$ 9,937

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Details Narrative) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Past Due [Line Items]
Decreasedin impaired loan balance	$ 5,800,000
Impaired loan balance	6,718,000	$ 12,462,000	$ 8,680,000
Loans and leases receivable, impaired, interest lost on nonaccrual loans	309,000	380,000	230,000
Loan classified as TDRs	397,000
Agriculture loan	250,000
Restructuring charge-off	100,000	50,000
Loans and leases receivable allowance	8,775,000	8,775,000	6,467,000	$ 5,765,000
Commercial Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Loan classified as TDRs		742,000
Restructuring Agreements [Member]
Financing Receivable, Past Due [Line Items]
Loan classified as TDRs		1,600,000
Trouble Debt Restructurings [Member]
Financing Receivable, Past Due [Line Items]
Agriculture loan	32,000
Provision for loan losses reversal	6,000	1,000	$ 1,000
Loans and leases receivable allowance	2,000	8,000
Trouble Debt Restructurings [Member] | Agriculture Loans [Member]
Financing Receivable, Past Due [Line Items]
Repayments of Debt		156,000
Commercial Loans [Member]
Financing Receivable, Past Due [Line Items]
Loan classified as TDRs	$ 3,400,000	$ 3,900,000

Loan Commitments (Details Narra

Loan Commitments (Details Narrative) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Loan Commitments
Letters of credit outstanding, amount	$ 139.5	$ 145.1
Standby letters of credit	$ 1.9	$ 2.2

Schedule of Other Intangible As

Schedule of Other Intangible Assets and Goodwill (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Finite-Lived Intangible Assets [Line Items]
Intangible assets, Gross carrying amount	$ 2,018	$ 2,368
Intangible assets, Accumulated amortization	(1,934)	(2,162)
Intangible assets, Net carrying amount	84	206
Core Deposits [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible assets, Gross carrying amount	2,018	2,018
Intangible assets, Accumulated amortization	(1,934)	(1,838)
Intangible assets, Net carrying amount	84	180
Lease Agreements [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible assets, Gross carrying amount		350
Intangible assets, Accumulated amortization		(324)
Intangible assets, Net carrying amount		$ 26

Schedule of Finite-lived Intang

Schedule of Finite-lived Intangible Assets, Future Amortization Expense (Details) $ in Thousands	Dec. 31, 2021USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2022	$ 58
2023	26
Total	$ 84

Schedule of Participating Mortg

Schedule of Participating Mortgage Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Net Investment Income [Line Items]
Total	$ 715,702	$ 668,032
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
Net Investment Income [Line Items]
Total	697,484	639,875
Federal Home Loan Bank Certificates and Obligations (FHLB) [Member]
Net Investment Income [Line Items]
Total	$ 18,218	$ 28,157

Schedule of Servicing Asset at

Schedule of Servicing Asset at Amortized Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Mortgage Loan Servicing
Balance at beginning of year	$ 3,726	$ 2,446
Additions	1,946	2,705
Amortization	(1,479)	(1,425)
Balance at end of year	$ 4,193	$ 3,726

Mortgage Loan Servicing (Detail

Mortgage Loan Servicing (Details Narrative) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate [Line Items]
Mortgage loans on real estate writedown or reserve amount	$ 9,000
Weighted Average [Member]
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate [Line Items]
Assumption for fair value of interests continued to be held by transferor servicing assets or liabilities weighted average default rate	1.34%	1.36%
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Write-down or Reserve, Amount	$ 226,000	$ 235,000
Mortgage Loans Serviced [Member]
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate [Line Items]
Escrow deposit	5,800,000	5,800,000
Interest and fee income, other loans	1,800,000	1,500,000	$ 1,400,000
Servicing asset at fair value, amount	$ 6,700,000	$ 4,400,000
Mortgage Loans Serviced [Member] | Minimum [Member]
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate [Line Items]
Assumption for fair value of assets or liabilities that relate to transferor's continuing involvement, discount rate	9.00%	8.78%
Assumption for fair value of assets or liabilities that relate to transferor's continuing involvement, prepayment speed	6.02%	7.10%
Mortgage Loans Serviced [Member] | Maximum [Member]
SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate [Line Items]
Assumption for fair value of assets or liabilities that relate to transferor's continuing involvement, discount rate	12.00%	12.00%
Assumption for fair value of assets or liabilities that relate to transferor's continuing involvement, prepayment speed	23.70%	29.61%

Schedule of Premises and Equipm

Schedule of Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Land	$ 6,279	$ 6,279
Office buildings and improvements	21,097	21,058
Furniture and equipment	8,652	8,336
Automobiles	556	567
Total premises and equipment	36,584	36,240
Accumulated depreciation	(15,781)	(15,747)
Total premises and equipment, net	$ 20,803	$ 20,493
Land [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives description	Indefinite
Building and Building Improvements [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	10 years
Building and Building Improvements [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	50 years
Furniture and Fixtures [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	3 years
Furniture and Fixtures [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	15 years
Automobiles [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	2 years
Automobiles [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	5 years

Premises and Equipment (Details

Premises and Equipment (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 997	$ 987	$ 1,018

Schedule of Maturities of Time

Schedule of Maturities of Time Deposit (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
2022	$ 90,795
2023	8,918
2024	2,520
2025	1,844
2026	2,028
Thereafter	2
Total	$ 106,107	$ 133,750

Schedule of Interest Expense As

Schedule of Interest Expense Associated with Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Certificate of deposit	$ 476	$ 1,166	$ 2,751
Money market and checking	500	899	2,555
Savings	47	40	35
Total	$ 1,023	$ 2,105	$ 5,341

Deposits (Details Narrative)

Deposits (Details Narrative) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Time Deposit Liabilities, Description	The aggregate amount of certificate of deposit in denominations of $250,000 or more
Time Deposits, at or Above FDIC Insurance Limit	$ 23.4	$ 26.8
Brokered time deposits		$ 0

Federal Home Loan Bank Borrow_2

Federal Home Loan Bank Borrowings (Details Narrative) - Federal Home Loan Bank Advances [Member] - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Transfer of Financial Assets Accounted for as Sales [Line Items]
Long-term line of credit	$ 0
Line of credit, description	at the federal funds rate plus 0.15% (0.26% at December 31, 2021
Debt variable rate	0.26%
Line of credit facility, current borrowing capacity	$ 25,000,000	$ 66,000,000
Debt instrument, collateral amount	136,900,000	175,700,000
Debt instrument maximum borrowing capacity amount	93,800,000	123,800,000
Debt instrument, unused borrowing capacity, amount	$ 67,500,000	$ 56,400,000
Fed Funds Effective Rate Overnight Index Swap Rate [Member]
Transfer of Financial Assets Accounted for as Sales [Line Items]
Debt variable rate	0.15%

Subordinated Debentures (Detail

Subordinated Debentures (Details Narrative) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2013	Dec. 31, 2005	Dec. 31, 2003
Subordinated Debentures 2003 [Member]
Subordinated Borrowing [Line Items]
Proceeds from issuance of debt					$ 8.2
Debt conversion, original debt, due date, year					2034
Debt instrument, description of variable rate basis					Interest accrues at three month LIBOR plus 2.85%
Subordinated borrowing, interest rate	2.98%	3.06%
Subordinated Debentures 2003 [Member] | London Interbank Offered Rate (LIBOR) [Member]
Subordinated Borrowing [Line Items]
Debt instrument, basis spread on variable rate	2.85%
Subordinated Debentures 2005 [Member]
Subordinated Borrowing [Line Items]
Proceeds from issuance of debt				$ 8.2
Debt conversion, original debt, due date, year				2036
Debt instrument, description of variable rate basis				Interest accrues at three month LIBOR plus 1.34
Subordinated borrowing, interest rate	1.54%	1.56%
Subordinated Debentures 2005 [Member] | London Interbank Offered Rate (LIBOR) [Member]
Subordinated Borrowing [Line Items]
Debt instrument, basis spread on variable rate	1.34%
Subordinated Debentures 2013 [Member]
Subordinated Borrowing [Line Items]
Proceeds from issuance of debt			$ 5.2
Debt conversion, original debt, due date, year			2036
Debt instrument, description of variable rate basis			Interest accrues at three month LIBOR plus 1.62
Subordinated borrowing, interest rate	1.84%	1.86%
Subordinated Debentures 2013 [Member] | London Interbank Offered Rate (LIBOR) [Member]
Subordinated Borrowing [Line Items]
Debt instrument, basis spread on variable rate	1.62%

Other Borrowings (Details Narra

Other Borrowings (Details Narrative) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Line of Credit [Member]
Line of Credit Facility [Line Items]
Debt instrument, face amount	$ 0	$ 0
Unrelated Financial Institution [Member]
Line of Credit Facility [Line Items]
Line of credit facility, current borrowing capacity	$ 7,500,000
Line of credit facility, expiration date	Nov. 1, 2022
Line of credit facility, interest rate description	prime rate less 0.25
Line of Credit Facility, Maximum Borrowing Capacity	$ 79,300,000	103,800,000
Federal Funds Purchased	30,000,000	30,000,000
Unrelated Financial Institution [Member] | Federal Funds Agreements [Member]
Line of Credit Facility [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 0	$ 0

Schedule of Repurchase Agreemen

Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Assets Sold under Agreements to Repurchase [Line Items]
Average daily balance during the year	$ 5,915	$ 11,066
Average interest rate during the year	0.19%	0.20%
Maximum month-end balance during the year	$ 8,250	$ 17,939
Weighted average interest rate at year-end	0.19%	0.18%
Assets sold under agreements to repurchase, carrying amount	$ 7,403	$ 6,371
U.S. Treasury Obligations [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount	325
U.S. Federal Agency Obligations [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount	3,008	2,412
Agency Mortgage-backed Securities [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount	4,070	3,959
Overnight and Continuous [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount	7,403	6,371
Overnight and Continuous [Member] | U.S. Treasury Obligations [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount	325
Overnight and Continuous [Member] | U.S. Federal Agency Obligations [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount	3,008	2,412
Overnight and Continuous [Member] | Agency Mortgage-backed Securities [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount	4,070	3,959
Upto 30 Days [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
Upto 30 Days [Member] | U.S. Treasury Obligations [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
Upto 30 Days [Member] | U.S. Federal Agency Obligations [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
Upto 30 Days [Member] | Agency Mortgage-backed Securities [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
30 - 90 Days [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
30 - 90 Days [Member] | U.S. Treasury Obligations [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
30 - 90 Days [Member] | U.S. Federal Agency Obligations [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
30 - 90 Days [Member] | Agency Mortgage-backed Securities [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
Greater Than 90 Days [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
Greater Than 90 Days [Member] | U.S. Treasury Obligations [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
Greater Than 90 Days [Member] | U.S. Federal Agency Obligations [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount
Greater Than 90 Days [Member] | Agency Mortgage-backed Securities [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Assets sold under agreements to repurchase, carrying amount

Repurchase Agreements (Details

Repurchase Agreements (Details Narrative) - Repurchase Agreements [Member] - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Net Investment Income [Line Items]
Customer funds	$ 7.4	$ 6.4
Debt instrument, collateral amount	$ 9.2	$ 8.7

Schedule of Revenue from Contra

Schedule of Revenue from Contracts with Customers Within Non-interest Income (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenue from Contract with Customer [Abstract]
Overdraft fees		$ 2,987	$ 2,991	$ 3,591
Other		679	644	585
Interchange income		3,261	2,604	2,049
Loan servicing fees	[1]	1,780	1,534	1,367
Office lease income	[1]	574	652	642
Gain (Loss) on Sales of Loans, Net	[1]	10,487	15,155	6,353
Bank Owned Life Insurance Income	[1]	686	611	752
Gain (Loss) on Derivative Instruments, Net, Pretax	[1]	1,138	2,448	(177)
(Losses) gains on sales of premises and equipment and foreclosed assets		(4)	(29)	52
Other		673	748	595
Total non-interest income		$ 22,261	$ 27,358	$ 15,809
[1]	Not within the scope of ASC 606.

Schedule of Components of Incom

Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Federal	$ 3,039	$ 4,582	$ 1,805
State	967	708	(157)
Total current	4,006	5,290	1,648
Federal	662	(442)	(160)
State	196	(8)	22
Total deferred	858	(450)	(138)
Deferred tax valuation allowance	(50)	(53)	(57)
Income tax expense	$ 4,814	$ 4,787	$ 1,453

Schedule of Effective Income Ta

Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Computed “expected” tax expense	$ 4,793	$ 5,099	$ 2,544
Tax-exempt interest income, net	(645)	(695)	(748)
Excess tax benefit from stock option exercise	(29)	(26)
Bank owned life insurance	(156)	(137)	(165)
Reversal of unrecognized tax benefits, net	162	(229)	(558)
State income taxes, net of federal benefit	718	800	407
Investment tax credits	(19)	(28)	(15)
Other, net	(10)	3	(12)
Income tax expense	$ 4,814	$ 4,787	$ 1,453

Schedule of Deferred Tax Assets

Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Loans, including allowance for loan losses	$ 2,041	$ 2,040
Net operating loss carry forwards	223	273
State taxes	534	614
Net deferred loan fees	125	432
Acquisition costs	141	161
Deferred compensation arrangements	64	66
Investments	70	54
Other, net	184	158
Total deferred tax assets	3,382	3,798
Less valuation allowance	(223)	(273)
Total deferred tax assets, net of valuation allowance	3,159	3,525
Unrealized gain on investment securities available-for-sale	1,259	3,065
Premises and equipment, net of depreciation	723	500
Mortgage servicing rights	879	777
Prepaid expenses	314	302
Intangible assets	387	278
FHLB stock dividends	8	12
Total deferred tax liabilities	3,570	4,934
Net deferred tax liability	$ (411)	$ (1,409)

Schedule of Unrecognized Tax Be

Schedule of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Unrecognized tax benefits at beginning of year	$ 2,138	$ 1,416
Unrecognized tax benefits, increase resulting from current period tax positions	325	1,100
Unrecognized tax benefits, increase resulting from current period tax positions	(125)	(26)
Unrecognized tax benefits, reduction resulting from lapse of applicable statute of limitations	(48)	(352)
Unrecognized tax benefits at ending of year	$ 2,290	$ 2,138

Income Taxes (Details Narrative

Income Taxes (Details Narrative) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]
Operating loss carryforwards	$ 3,800,000	$ 4,700,000
Cumulative effect on retained earnings tax	6,300,000	6,300,000
Unrecognized tax benefits, income tax penalties expense	48,000	352,000
Unrecognized tax benefits	2,290,000	2,138,000	$ 1,416,000
Unrecognized tax benefits that would impact effective tax rate	1,800,000	1,700,000
Income tax examination, penalties and interest expense	298,000	71,000	$ 77,000
Unrecognized tax benefits, income tax penalties and interest accrued	623,000	$ 325,000
Maximum [Member]
Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]
Decrease in unrecognized tax benefits is reasonably possible	$ 462,000

Employee Benefit Plans (Details

Employee Benefit Plans (Details Narrative) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Eligible employees receive	100.00%
Employer matching contribution, percent of match	6.00%
Defined benefit plan, contributions by employer	$ 800,000	$ 750,000	$ 610,000
Split Dollar Life Insurance Agreement [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Deferred compensation liability	44,000	42,000
Deferred Compensation Agreements [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Deferred compensation arrangements accrued benefits	796,000	690,000
Deferred compensation arrangement with individual, compensation expense	$ 3,000	$ 10,000	$ 8,000

Schedule of Fair Value of Optio

Schedule of Fair Value of Options Assumed (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Risk-free interest rate	1.00%	1.77%
Expected term	7 years	7 years
Expected stock price volatility	28.51%	26.06%
Dividend yield	2.88%	3.41%

Schedule of Share-based Compens

Schedule of Share-based Compensation, Stock Options, Activity (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Shares, outstanding beginning	102,630
Weighted average exercise price per share, outstanding beginning	$ 21.26
Weighted average remaining contractual term beginning	7 years 3 months 18 days
Aggregate intrinsic value outstanding beginning	$ 202
Shares, granted	48,658
Weighted average exercise price per share, granted	$ 27.75
Shares, effect of 5% stock dividend	7,059
Shares, forfeited/expired	(3,964)
Weighted average exercise price per share, forfeited/expired	$ 15.62
Shares, exercised	(6,172)	(19,030)	(3,275)
Weighted average exercise price per share, Forfeited/expired	$ 10.78
Shares, outstanding ending	148,211	102,630
Weighted average exercise price per share, outstanding ending	$ 22.97	$ 21.26
Weighted average remaining contractual term ending	7 years 9 months 18 days
Aggregate intrinsic value outstanding ending	$ 848	$ 202
Shares, exercisable	54,371
Weighted average exercise price per share, exercisable	$ 21.85
Weighted average remaining contractual term, exercisable	6 years 4 months 24 days
Aggregate intrinsic value, exercisable	$ 372
Shares, fully vested options	54,371
Weighted average exercise price per share	$ 21.85
Weighted average remaining contractual term	6 years 4 months 24 days
Aggregate intrinsic value, Fully vested options	$ 372

Schedule of Share-based Compe_2

Schedule of Share-based Compensation, Stock Options, Activity (Details) (Parenthetical)	12 Months Ended
	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
Share based compensation effect of dividend percentage	5.00%

Schedule of Stock Option Exerci

Schedule of Stock Option Exercised Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Intrinsic value of options exercised (on exercise date)	$ 141	$ 430	$ 42
Cash received from options exercised	22	42	36
Excess tax benefit realized from options exercised	$ 21	$ 32

Schedule of Share-based Compe_3

Schedule of Share-based Compensation Arrangements by Share-based Payment Award (Details)	Dec. 31, 2021USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
2022	$ 129,000
2022	104,000
2023	69,000
2024	40,000
Total	342,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
2022	136,000
2023	64,000
2024	37,000
Total	$ 237,000

Schedule of Nonvested Share Act

Schedule of Nonvested Share Activity (Details) - Restricted Stock [Member]	12 Months Ended
	Dec. 31, 2021$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Nonvested restricted common stock, beginning balance	22,125
Weighted average grant date price per share, beginning balance | $ / shares	$ 20.83
Nonvested restricted common stock, granted	2,880
Weighted average grant date price per share, granted | $ / shares	$ 27.75
Nonvested restricted common stock, vested	(8,453)
Weighted average grant date price per share, vested | $ / shares	$ 27.07
Nonvested restricted common stock, forfeited
Weighted average grant date price per share, forfeited | $ / shares
Nonvested restricted common stock, effect of 5% stock dividend	827
Nonvested restricted common stock, ending balance	17,379
Weighted average grant date price per share, ending balance | $ / shares	$ 21.05

Schedule of Nonvested Share A_2

Schedule of Nonvested Share Activity (Details) (Parenthetical)	12 Months Ended
	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share based compensation effect of dividend percentage	5.00%
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share based compensation effect of dividend percentage	5.00%

Stock Compensation Plan (Detail

Stock Compensation Plan (Details Narrative) - USD ($)	Aug. 01, 2021	Aug. 01, 2020	Aug. 01, 2019	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	May 20, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation award vesting rights				four years
Share-based payment arrangement, noncash expense				$ 323,000	$ 304,000	$ 286,000
Share-based payment arrangement, expense, tax benefit				$ 113,000	105,000	71,000
Share-based compensation arrangement , purchase price of common stock, percent				100.00%
Unrecognized compensation				$ 342,000
Outstanding nonvested restricted shares				93,840
Vested in period, fair value				$ 229,000	$ 202,000	$ 150,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation				$ 237,000
Outstanding nonvested restricted shares				17,379
2015 Stock Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock, capital shares reserved for future issuance							351,775
Stock issued during period, shares,committee awarded	3,024	19,128	3,954
Options to acquire shares	51,091
Share price	$ 26.43	$ 18.69	$ 20.25
2015 Stock Incentive Plan [Member] | Common Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options to acquire shares			74,557

Schedule of Fair Value, by Bala

Schedule of Fair Value, by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available-for-sale	$ 380,717	$ 291,810
Loans held for sale	4,795	15,533
Mortgage servicing rights	4,193	3,726
Fair Value Measured at Net Asset Value Per Share [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	189,213	84,818
Interest-bearing deposits at other banks	7,378	5,460
Investment securities available-for-sale	380,717	291,810
Bank stocks, at cost	2,905	4,473
Loans, net	653,233	702,782
Loans held for sale	4,795	15,533
Mortgage servicing rights	4,193	3,726
Accrued interest receivable	4,405	4,885
Derivative financial instruments	494	1,796
Non-maturity deposits	(1,042,374)	(882,277)
Time deposits	(106,107)	(133,750)
Subordinated debentures	(21,651)	(21,651)
Other borrowings	(7,403)	(6,371)
Accrued interest payable	(125)	(168)
Time deposits	106,107	133,750
Derivative financial instruments		(466)
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	189,213	84,818
Interest-bearing deposits at other banks
Investment securities available-for-sale	42,675	2,037
Loans, net
Loans held for sale
Mortgage servicing rights
Accrued interest receivable	107
Derivative financial instruments
Non-maturity deposits	(1,042,374)	(882,277)
Time deposits
Subordinated debentures
Other borrowings
Accrued interest payable
Time deposits
Derivative financial instruments
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents
Interest-bearing deposits at other banks	7,378	5,460
Investment securities available-for-sale	338,042	289,773
Loans, net
Loans held for sale	4,795	15,533
Mortgage servicing rights	6,722	4,361
Accrued interest receivable	1,666	1,697
Derivative financial instruments	494	1,796
Non-maturity deposits
Time deposits	(105,935)	(134,048)
Subordinated debentures	(16,375)	(15,232)
Other borrowings	(7,403)	(6,371)
Accrued interest payable	(125)	(168)
Time deposits	105,935	134,048
Derivative financial instruments		(466)
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents
Interest-bearing deposits at other banks
Investment securities available-for-sale
Loans, net	663,625	718,071
Loans held for sale
Mortgage servicing rights
Accrued interest receivable	2,632	3,188
Derivative financial instruments
Non-maturity deposits
Time deposits
Subordinated debentures
Other borrowings
Accrued interest payable
Time deposits
Derivative financial instruments
Fair Value, Inputs, Level 1, 2 and 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	189,213	84,818
Interest-bearing deposits at other banks	7,378	5,460
Investment securities available-for-sale	380,717	291,810
Loans, net	663,625	718,071
Loans held for sale	4,795	15,533
Mortgage servicing rights	6,722	4,361
Accrued interest receivable	4,405	4,885
Derivative financial instruments	494	1,796
Non-maturity deposits	(1,042,374)	(882,277)
Time deposits	(105,935)	(134,048)
Subordinated debentures	(16,375)	(15,232)
Other borrowings	(7,403)	(6,371)
Accrued interest payable	(125)	(168)
Time deposits	$ 105,935	134,048
Derivative financial instruments		$ (466)

Schedule of Fair Value, Assets

Schedule of Fair Value, Assets Measured On Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available-for-sale, at fair value	$ 380,717	$ 291,810
Loans held for Sale	4,795	15,533
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available-for-sale, at fair value	42,675	2,037
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, at fair value	338,042	289,773
Loans held for Sale	4,795	15,533
Assets: Derivative financial instruments	494	1,796
Liabilities: Derivative financial instruments		(466)
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available-for-sale, at fair value
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	4,795	15,533
Assets: Derivative financial instruments	494	1,796
Liabilities: Derivative financial instruments		(466)
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, at fair value	137,984	142,676
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, at fair value	40,046	49,535
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, at fair value	142,817	78,638
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, at fair value	17,195	18,924
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, at fair value
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, at fair value
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, at fair value
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, at fair value
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	4,795	15,533
Assets: Derivative financial instruments	494	1,796
Liabilities: Derivative financial instruments		(466)
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, at fair value	137,984	142,676
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, at fair value	40,046	49,535
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, at fair value	142,817	78,638
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, at fair value	17,195	18,924
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, at fair value
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, at fair value
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, at fair value
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, at fair value
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, at fair value	42,675	2,037
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, at fair value	42,675	2,037
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, at fair value
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, at fair value

Schedule of Fair Value Contract

Schedule of Fair Value Contractual Balance and Gain Loss On Loans Held for Sale (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Fair Value Disclosures [Abstract]
Aggregate fair value	$ 4,795	$ 15,533
Contractual balance	4,651	15,151
Gain	$ 144	$ 382

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	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Total change in fair value	$ (836)	$ 848	$ (15)

Schedule of Fair Value Measurem

Schedule of Fair Value Measurements On Nonrecurring, Valuation Techniques (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Commercial Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Fair Value Disclosure	$ 5	$ 74
Fair Value Measurements, Valuation Techniques	Sales comparison	Sales comparison
Fair Value Measurements, Unobservable inputs	Adjustment to comparable value	Adjustment to comparable sales
Fair Value Measurements Range	0.00%
Commercial Loan [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Measurements Range		0.00%
Commercial Loan [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Measurements Range		69.00%
Commercial Real Estate Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Fair Value Disclosure		$ 3,640
Fair Value Measurements, Valuation Techniques		Sales comparison
Fair Value Measurements, Unobservable inputs		Adjustment to appraised value
Fair Value Measurements Range		20.00%
Agriculture loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans Fair Value Disclosure		$ 9
Fair Value Measurements, Valuation Techniques		Sales comparison
Fair Value Measurements, Unobservable inputs		Adjustment to appraised value
Fair Value Measurements Range		20.00%
One-to-four Family Residential Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real estate owned Fair Value Disclosure		$ 48
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%

Fair Value of Financial Instr_3

Fair Value of Financial Instruments and Fair Value Measurements (Details Narrative) - USD ($)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Impaired loan balance	$ 6,718,000	$ 12,462,000	$ 8,680,000
Related allowance recorded	$ 504,000	$ 266,000	$ 733,000

Schedule of Compliance with Reg

Schedule of Compliance with Regulatory Capital Requirements for Mortgage Companies (Details) $ in Thousands		Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Leverage - For capital adequacy purposes Ratio		4.00%
Common Equity Tier 1 Capital - For capital adequacy purposes Ratio		4.50%
Companys Regulatory Capital Requirements [Member]
Leverage - Actual Amount		$ 135,824	$ 121,068
Leverage - Actual Ratio		10.83	10.70
Leverage - For capital adequacy purposes Amount		$ 50,181	$ 45,262
Leverage - For capital adequacy purposes Ratio	[1]	4.00%	4.00%
Common Equity Tier 1 Capital - Actual Amount		$ 114,824	$ 100,068
Common Equity Tier 1 Capital - Actual Ratio		15.00%	13.77%
Common Equity Tier 1 Capital - For capital adequacy purposes Amount		$ 53,592	$ 50,866
Common Equity Tier 1 Capital - For capital adequacy purposes Ratio	[1]	7.00%	7.00%
Tier 1 Capital - Actual Amount		$ 135,824	$ 121,068
Tier 1 Capital - Actual Ratio		17.74	16.66
Tier 1 Capital - For capital adequacy purposes Amount		$ 65,077	$ 61,766
Tier 1 Capital - For capital adequacy purposes Ratio	[1]	8.5	8.5
Total Risk Based Capital - Actual Amount		$ 144,739	$ 129,983
Total Risk Based Capital - Actual Ratio		18.91	17.89
Total Risk Based Capital - For capital adequacy purposes Amount		$ 80,389	$ 76,300
Total Risk Based Capital - For capital adequacy purposes Ratio	[1]	10.5	10.5
[1]	The required percent for capital adequacy purposes includes 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)	12 Months Ended
	Dec. 31, 2021
Companys Regulatory Capital Requirements [Member]
Tier one capital conversation buffer	2.50%

Schedule of Compliance with R_3

Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations (Details) $ in Thousands		Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Common Equity Tier 1 Capital - For capital adequacy purposes Ratio		4.50%
Banks Regulatory Capital Requirements [Member]
Leverage - Actual Amount		$ 132,313	$ 118,174
Leverage - Actual Ratio		10.58	10.47
Leverage - For capital adequacy purposes Amount		$ 50,040	$ 45,139
Leverage - For capital adequacy purposes Ratio	[1]	4	4
Leverage - To be well-capitalized under prompt corrective action provisions Amount		$ 62,550	$ 56,423
Leverage - To be well-capitalized under prompt corrective action provisions Ratio		5	5
Common Equity Tier 1 Capital - Actual Amount		$ 132,313	$ 118,174
Common Equity Tier 1 Capital - Actual Ratio		17.29%	16.27%
Common Equity Tier 1 Capital - For capital adequacy purposes Amount		$ 53,563	$ 50,829
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		$ 49,737	$ 47,199
Common Equity Tier 1 Capital - To be well-capitalized under prompt corrective action provisions Ratio		6.50%	6.50%
Tier 1 Capital - Actual Amount		$ 132,313	$ 118,174
Tier 1 Capital - Actual Ratio		17.29	16.27
Tier 1 Capital - For capital adequacy purposes Amount		$ 65,041	$ 61,721
Tier 1 Capital - For capital adequacy purposes Ratio	[1]	8.5	8.5
Tier 1 Capital - To be well-capitalized under prompt corrective action provisions Amount		$ 61,215	$ 58,091
Tier 1 Capital - To be well-capitalized under prompt corrective action provisions Ratio		8	8
Total Risk Based Capital - Actual Amount		$ 141,228	$ 127,089
Total Risk Based Capital - Actual Ratio		18.46	17.50
Total Risk Based Capital - For capital adequacy purposes Amount		$ 80,345	$ 76,244
Total Risk Based Capital - For capital adequacy purposes Ratio	[1]	10.5	10.5
Total Risk Based Capital - To be well-capitalized under prompt corrective action provisions Amount		$ 76,519	$ 72,613
Total Risk Based Capital - To be well-capitalized under prompt corrective action provisions Ratio		10	10
[1]	The required percent for capital adequacy purposes includes 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)	12 Months Ended
	Dec. 31, 2021
Banks Regulatory Capital Requirements [Member]
Tier one capital conversation buffer	2.50%

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Line of Credit Facility [Line Items]
Assets, total	$ 1,328,968	$ 1,188,027
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]
Line of Credit Facility [Line Items]
Tier one capital conversation buffer	2.50%
Small Bank Holding Companies [Member]
Line of Credit Facility [Line Items]
Assets, total	$ 3,000,000

Schedule of Condensed Financial

Schedule of Condensed Financial Statements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Condensed Financial Statements, Captions [Line Items]
Cash and cash equivalents	$ 189,213	$ 84,818
Interest-bearing deposits at other banks	7,378	5,460
Total assets	1,328,968	1,188,027
Subordinated debentures	21,651	21,651
Stockholders' equity	135,643	126,672	$ 108,607	$ 91,901
Total liabilities and stockholders' equity	1,328,968	1,188,027
Other non-interest income	1,093	1,053	1,144
Interest expense	(1,506)	(2,769)	(6,757)
Income tax benefit	4,814	4,787	1,453
Net earnings	18,011	19,493	10,662
Other comprehensive (loss) income	(5,567)	4,208	9,230
Total comprehensive income	12,444	23,701	19,892
Net cash provided by operating activities	31,159	14,810	9,107
Net change in interest-bearing deposits at banks	1,918	3,556	(5,886)
Net cash (used in) provided by investing activities	(56,454)	(104,548)	(7,757)
Proceeds from exercise of stock options	22	42	36
Payment of dividends	(3,818)	(3,633)	(3,508)
Net cash used in financing activities	129,690	160,862	(6,770)
Net increase (decrease) in cash	104,395	71,124	(5,420)
Cash and cash equivalents at beginning of year	84,818	13,694	19,114
Cash and cash equivalents at end of year	189,213	84,818	13,694
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Cash and cash equivalents	1,121	105
Interest-bearing deposits at other banks	214	212
Investment in subsidiaries	154,978	146,896
Other	1,074	1,217
Total assets	157,387	148,430
Subordinated debentures	21,651	21,651
Other	93	107
Stockholders' equity	135,643	126,672
Total liabilities and stockholders' equity	157,387	148,430
Dividends from Bank	4,600	6,900	4,500
Dividends from nonbank subsidiary	1,000
Interest income	16	21	31
Other non-interest income	7	7	7
Interest expense	(472)	(614)	(970)
Other expense, net	(532)	(352)	(304)
Earnings before equity in undistributed earnings	4,619	5,962	3,264
Increase in undistributed equity of Bank	13,599	13,087	6,801
(Decrease) increase in undistributed equity of nonbank subsidiary	(272)	248	338
Earnings before income taxes	17,946	19,297	10,403
Income tax benefit	(65)	(196)	(259)
Net earnings	18,011	19,493	10,662
Other comprehensive (loss) income	(5,567)	4,208	9,230
Total comprehensive income	12,444	23,701	19,892
Increase in undistributed equity of subsidiaries	(13,327)	(13,335)	(7,139)
Other	130	312	23
Other	(130)	(312)	(23)
Net cash provided by operating activities	4,814	5,846	3,546
Net change in interest-bearing deposits at banks	(2)	26	(1)
Net cash (used in) provided by investing activities	(2)	26	(1)
Proceeds from exercise of stock options	22	42	36
Payment of dividends	(3,818)	(3,633)	(3,508)
Purchase of treasury stock		2,349
Purchase of treasury stock		(2,349)
Net cash used in financing activities	(3,796)	(5,940)	(3,472)
Net increase (decrease) in cash	1,016	(68)	73
Cash and cash equivalents at beginning of year	105	173	100
Cash and cash equivalents at end of year	$ 1,121	$ 105	$ 173

Parent Company Condensed Fina_3

Parent Company Condensed Financial Statements (Details Narrative) $ in Millions	Dec. 31, 2021USD ($)
Condensed Financial Information Disclosure [Abstract]
Distribution of dividends	$ 26.7