New Peoples Bankshares (NWPP) 10-Q 14 Nov 23 2023 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Sep. 30, 2023	Nov. 08, 2023
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Sep. 30, 2023
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2023
Current Fiscal Year End Date	--12-31
Entity File Number	000-33411
Entity Registrant Name	NEW PEOPLES BANKSHARES, INC.
Entity Central Index Key	0001163389
Entity Tax Identification Number	31-1804543
Entity Incorporation, State or Country Code	VA
Entity Address, Address Line One	67 Commerce Drive
Entity Address, City or Town	Honaker
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	24260
City Area Code	276
Local Phone Number	873-7000
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 Common Stock, Shares Outstanding		23,769,561

CONSOLIDATED BALANCE SHEETS (Un

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 15,670	$ 13,979
Interest-bearing deposits with banks	37,142	46,747
Federal funds sold	65	960
Total cash and cash equivalents	52,877	61,686
Investment securities available-for-sale	87,452	96,076
Loans receivable	626,203	584,613
Allowance for credit losses	(6,908)	(6,727)
Net loans	619,295	577,886
Bank premises and equipment, net	18,554	19,290
Other real estate owned	261	261
Accrued interest receivable	2,749	2,555
Deferred taxes, net	4,973	4,623
Bank owned life insurance	4,593	4,549
Right-of-use assets – operating leases	3,472	3,725
Other assets	5,727	4,707
Total assets	799,953	775,358
Deposits:
Noninterest bearing	240,283	249,924
Interest-bearing	464,539	442,783
Total deposits	704,822	692,707
Borrowed funds	26,496	16,496
Lease liabilities – operating leases	3,472	3,725
Accrued interest payable	1,097	526
Accrued expenses and other liabilities	4,108	4,685
Total liabilities	739,995	718,139
23,783,104 and 23,848,491 shares issued and outstanding at September 30, 2023 and December 31, 2022, respectively	47,566	47,697
Additional paid-in-capital	14,530	14,546
Retained earnings	12,909	8,917
Accumulated other comprehensive loss	(15,047)	(13,941)
Total shareholders’ equity	59,958	57,219
Total liabilities and shareholders’ equity	$ 799,953	$ 775,358

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - $ / shares	Sep. 30, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Common stock, par value (in dollars per share)	$ 2	$ 2
Common stock, authorized	50,000,000	50,000,000
Common stock, issued	23,783,104	23,848,491
Common stock, outstanding	23,783,104	23,848,491

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 8,453	$ 7,010	$ 23,711	$ 20,476
Federal funds sold	4	2	20	3
Interest-earning deposits with banks	559	559	1,642	738
Investments	535	505	1,642	1,422
Dividends on equity securities (restricted)	34	34	110	88
Total interest and dividend income	9,585	8,110	27,125	22,727
INTEREST EXPENSE
Deposits	2,110	418	4,902	1,252
Borrowed funds	434	492	1,115	810
Total interest expense	2,544	910	6,017	2,062
NET INTEREST INCOME	7,041	7,200	21,108	20,665
PROVISION FOR CREDIT LOSSES	155	225	304	400
PROVISION FOR CREDIT LOSSES	6,886	6,975	20,804	20,265
NONINTEREST INCOME
Service charges and fees	1,020	1,069	2,896	2,973
Card processing and interchange	942	915	2,784	2,858
Insurance and investment fees	268	167	830	650
Other noninterest income	206	38	727	425
Total noninterest income	2,436	2,189	7,237	6,906
NONINTEREST EXPENSES
Salaries and employee benefits	3,567	3,290	10,768	9,947
Occupancy and equipment expense	945	1,177	2,881	3,200
Data processing and telecommunications	618	607	1,877	1,762
Other operating expenses	1,753	1,525	5,259	4,787
Total noninterest expenses	6,883	6,599	20,785	19,696
INCOME BEFORE INCOME TAXES	2,439	2,565	7,256	7,475
INCOME TAX EXPENSE	549	579	1,621	1,645
NET INCOME	$ 1,890	$ 1,986	$ 5,635	$ 5,830
Earnings per share
Earnings per shares, basic	$ 0.08	$ 0.08	$ 0.24	$ 0.24
Earnings per shares, diluted	$ 0.08	$ 0.08	$ 0.24	$ 0.24
Average Weighted Shares of Common Stock
Weighted average number of common shares outstanding, basic	23,793,170	23,893,224	23,817,236	23,910,287
Weighted average number of common shares outstanding, diluted	23,793,170	23,893,224	23,817,236	23,910,287

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Income Statement [Abstract]
NET INCOME	$ 1,890	$ 1,986	$ 5,635	$ 5,830
Investment securities activity
Unrealized losses arising during the period	(2,585)	(3,614)	(1,398)	(16,369)
Related tax benefit	542	759	292	3,437
TOTAL OTHER COMPREHENSIVE LOSS	(2,043)	(2,855)	(1,106)	(12,932)
TOTAL COMPREHENSIVE (LOSS) INCOME	$ (153)	$ (869)	$ 4,529	$ (7,102)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Beginning balance, value at Dec. 31, 2021	$ 47,844	$ 14,570	$ 2,756	$ (814)	$ 63,631
Balance at beginning, shares at Dec. 31, 2021	23,922
Net income			5,830		5,830
Other comprehensive loss, net of tax				(12,932)	(12,932)
Repurchase of common stock	$ (89)	(14)			(103)
Repurchase of common stock, shares	(44)
Cash dividend declared ($0.06 per share)			(1,196)		(1,196)
Ending balance, value at Sep. 30, 2022	$ 47,755	14,556	6,665	(13,746)	55,230
Balance at ending, shares at Sep. 30, 2022	23,878
Beginning balance, value at Jun. 30, 2022	$ 47,811	14,565	4,679	(10,891)	56,164
Balance at beginning, shares at Jun. 30, 2022	23,906
Net income			1,986		1,986
Other comprehensive loss, net of tax				(2,855)	(2,855)
Repurchase of common stock	$ (56)	(9)			(65)
Repurchase of common stock, shares	(28)
Ending balance, value at Sep. 30, 2022	$ 47,755	14,556	6,665	(13,746)	55,230
Balance at ending, shares at Sep. 30, 2022	23,878
Beginning balance, value at Dec. 31, 2022	$ 47,697	14,546	8,917	(13,941)	57,219
Balance at beginning, shares at Dec. 31, 2022	23,848
Adoption of ASU 2016-13			(212)		(212)
Net income			5,635		5,635
Other comprehensive loss, net of tax				(1,106)	(1,106)
Repurchase of common stock	$ (131)	(16)			(147)
Repurchase of common stock, shares	(65)
Cash dividend declared ($0.06 per share)			(1,431)		(1,431)
Ending balance, value at Sep. 30, 2023	$ 47,566	14,530	12,909	(15,047)	59,958
Balance at ending, shares at Sep. 30, 2023	23,783
Beginning balance, value at Jun. 30, 2023	$ 47,606	14,536	11,019	(13,004)	60,157
Balance at beginning, shares at Jun. 30, 2023	23,803
Net income			1,890		1,890
Other comprehensive loss, net of tax				(2,043)	(2,043)
Repurchase of common stock	$ (40)	(6)			(46)
Repurchase of common stock, shares	(20)
Ending balance, value at Sep. 30, 2023	$ 47,566	$ 14,530	$ 12,909	$ (15,047)	$ 59,958
Balance at ending, shares at Sep. 30, 2023	23,783

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 5,635	$ 5,830
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	1,203	1,337
Provision for credit losses	304	400
Income (loss) on bank owned life insurance	(44)	83
Gain on sale of mortgage loans	(4)	(27)
Gain (loss) on sale or disposal of premises and equipment	(117)	195
Gain on sale of other real estate owned		(70)
Loans originated for sale	(81)	(1,503)
Proceeds from sales of loans originated for sale	85	1,530
Adjustment of carrying value of other real estate owned		137
Net amortization/accretion of bond premiums/discounts	225	392
Deferred tax (benefit) expense	(2)	540
Net change in:
Accrued interest receivable	(194)	(62)
Other assets	(395)	(693)
Accrued interest payable	571	83
Accrued expenses and other liabilities	(852)	1,136
Net cash provided by operating activities	6,334	9,308
CASH FLOWS FROM INVESTING ACTIVITIES
Net (increase) decrease in loans	(41,706)	14,039
Purchase of securities available-for-sale	(500)	(19,790)
Proceeds from repayments and maturities of securities available-for-sale	7,501	11,542
Net purchase of equity securities (restricted)	(625)	(964)
Payments for the purchase of premises and equipment	(1,159)	(478)
Proceeds from sale of premises and equipment	809	6
Proceeds from sales of other real estate owned		207
Net cash (used in) provided by investing activities	(35,680)	4,562
CASH FLOWS FROM FINANCING ACTIVITIES
Net change in short term borrowings		25,000
Issuance of long-term debt	10,000
Net change in noninterest bearing deposits	(9,641)	17,795
Net change in interest-bearing deposits	21,756	(1,394)
Dividends paid	(1,431)	(1,196)
Repurchase of common stock	(147)	(103)
Net cash provided by financing activities	20,537	40,102
Net (decrease) increase in cash and cash equivalents	(8,809)	53,972
Cash and cash equivalents, beginning of the period	61,686	60,946
Cash and cash equivalents, end of the period	52,877	114,918
Supplemental disclosure of cash paid during the period for:
Interest	5,446	1,979
Taxes	2,925	325
Supplemental disclosure of non-cash transactions:
Loans made to finance sale of other real estate owned		711
Change in unrealized losses on securities available-for-sale	$ (1,398)	$ (16,369)

NATURE OF OPERATIONS

NATURE OF OPERATIONS	9 Months Ended
	Sep. 30, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
NATURE OF OPERATIONS	NOTE 1 NATURE OF OPERATIONS Nature of Operations –

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2023
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 2 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES These consolidated financial statements conform to U. S. generally accepted accounting principles (GAAP) and to general industry practices. In the opinion of management, the accompanying consolidated financial statements contain all adjustments (consisting of only normal recurring accruals) necessary to present fairly the Company’s financial position as of September 30, 2023 and December 31, 2022, and the results of operations for the three- and nine-month periods ended September 30, 2023 and 2022. The Notes included herein should be read in conjunction with the notes to the consolidated financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022. The results of operations for interim periods are not necessarily indicative of the results of operations that may be expected for a full year or any future period. The consolidated financial statements include New Peoples, the Bank, NPB Insurance Services, Inc., and NPB Web Services, Inc. (hereinafter, collectively referred to as the Company, we, us or our). All significant intercompany balances and transactions have been eliminated. In accordance with Accounting Standards Codification (ASC) 942, Financial Services – Depository and Lending, NPB Capital Trust I and 2 are not included in the consolidated financial statements. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The determination of the adequacy of the allowance for credit losses is based on estimates that are particularly susceptible to significant changes in the economic environment and market conditions. Certain reclassifications have been made to prior period amounts to conform to current period presentation. None of these reclassifications are considered material and have no impact on net income. The Company’s significant accounting policies followed in the preparation of the unaudited consolidated financial statements are disclosed in the Company’s Annual report on Form 10-K. There have been no significant changes to the application of significant accounting policies since December 31, 2022 except for the following: Accounting Standards Adopted in 2023 On January 1, 2023, the Company adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (ASC 326). This standard replaced the incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss (“CECL”) methodology. CECL requires an estimate of credit losses for the remaining estimated life of the financial asset using historical experience, current conditions, and reasonable and supportable forecasts and generally applies to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities, and some off-balance sheet credit exposures such as unfunded commitments to extend credit. Financial assets measured at amortized cost will be presented at the net amount expected to be collected by using an allowance for credit losses. In addition, CECL made changes to the accounting for available-for-sale debt securities. One such change is to require credit losses to be presented as an allowance rather than as a write-down on available-for-sale debt securities if management does not intend to sell and does not believe that it is more likely than not, they will be required to sell. The Company adopted ASC 326 and all related subsequent amendments thereto effective January 1, 2023 using the modified retrospective approach for all financial assets measured at amortized cost and off-balance sheet credit exposures. The transition adjustment of the adoption of CECL included a decrease in the allowance for credit losses on loans of $80,000, which is presented as a reduction to net loans outstanding, and an increase in the allowance for credit losses on unfunded loan commitments of $348,000, which is recorded within other liabilities. The Company recorded a net decrease to retained earnings of $212,000 as of January 1, 2023 for the cumulative effect of adopting CECL, which reflects the transition adjustments noted above, net of the applicable deferred tax assets recorded. Results for reporting periods beginning after January 1, 2023 are presented under CECL while prior period amounts continue to be reported in accordance with previously applicable accounting standards (“Incurred Loss”). The Company adopted ASC 326 using the prospective transition approach for debt securities for which other-than-temporary impairment had been recognized prior to January 1, 2023. As of December 31, 2022, the Company did not have any other-than-temporarily impaired investment securities. Therefore, upon adoption of ASC 326, the Company determined that an allowance for credit losses on available-for-sale securities was not deemed material. The following table illustrates the impact on the allowance for credit losses from the adoption of ASC 326: Schedule of allowance for credit losses on available for sale securities January 1, 2023 December 31, 2022 Pre-ASC 326 Adoption Impact of ASC 326 Adoption (Dollars in thousands) Assets: Loans, at amortized cost $ 584,613 $ 584,613 $ — Allowance for credit losses on loans: Real estate secured: Commercial 2,065 2,364 (299 ) Construction and land development 509 345 164 Residential 1-4 family 2,639 2,364 275 Multifamily 274 262 12 Farmland 228 153 75 Total real estate loans 5,715 5,488 227 Commercial 622 381 241 Agriculture 27 32 (5 ) Consumer and other loans 283 386 (103 ) Unallocated — 440 (440 ) Total allowance for credit losses for loans 6,647 6,727 (80 ) Deferred tax asset 4,679 4,623 56 Liabilities: Allowance for credit losses for unfunded commitments 348 — 348 The Company elected not to measure an allowance for credit losses for accrued interest receivable and instead elected to reverse interest income on loans or securities that are placed on nonaccrual status, which is generally when the instrument is 90 days past due, or earlier if the Company believes the collection of interest is doubtful. The Company has concluded that this policy results in the timely reversal of uncollectible interest. Allowance for Credit Losses – Available-for-Sale Securities For available-for-sale securities, management evaluates all investments in an unrealized loss position on a quarterly basis, and more frequently when economic or market conditions warrant such evaluation. If the Company has the intent to sell the security or it is more likely than not that the Company will be required to sell the security, the security is written down to fair value and the entire loss is recorded in earnings. If either of the above criteria is not met, the Company evaluates whether the decline in fair value is the result of credit losses or other factors. In making the assessment, the Company may consider various factors including the extent to which fair value is less than amortized cost, performance on any underlying collateral, downgrades in the ratings of the security by a rating agency, the failure of the issuer to make scheduled interest or principal payments and adverse conditions specifically related to the security. If the assessment indicates that a credit loss exists, the present value of cash flows expected to be collected are compared to the amortized cost basis of the security and any excess is recorded as an allowance for credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any amount of unrealized loss that has not been recorded through an allowance for credit loss is recognized in other comprehensive income (loss). Changes in the allowance for credit loss are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance for credit loss when management believes an available-for-sale security is confirmed to be uncollectible or when either of the criteria regarding intent or requirement to sell is met. As of September 30, 2023, there was no allowance for credit loss related to the available-for-sale portfolio. Loans Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at amortized cost. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts and deferred fees and costs. Accrued interest receivable related to loans totaled $2.2 million at September 30, 2023 and was reported in accrued interest receivable on the consolidated balance sheets. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using methods that approximate a level yield without anticipating prepayments. The accrual of interest is generally discontinued when a loan becomes 90 days past due and is not well collateralized and in the process of collection, or when management believes, after considering economic and business conditions and collection efforts, that the principal or interest will not be collectible in the normal course of business. Past due status is based on contractual terms of the loan. A loan is considered to be past due when a scheduled payment has not been received 30 days after the contractual due date. All accrued interest is reversed against interest income when a loan is placed on nonaccrual status. Interest received on such loans is accounted for using the cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current, there is a sustained period of repayment performance, and future payments are reasonably assured. Allowance for Credit Losses – Loans The allowance for credit losses is a valuation account that is deducted from the loans' amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the uncollectibility of a loan balance is confirmed. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Accrued interest receivable is excluded from the estimate of credit losses. The allowance for credit losses represents management’s estimate of lifetime credit losses inherent in loans as of the balance sheet date. The allowance for credit losses is estimated by management using relevant available information, from both internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. The Company primarily utilizes the cohort and the probability of default/loss given default methodologies for its reasonable and supportable forecasting of current expected credit losses. To further adjust the allowance for credit losses for expected losses not already included within the quantitative component of the calculation, the Company may consider the following qualitative adjustment factors: changes to: lending policies and procedures, national and local economic conditions, the experience and ability of management and staff; the volume and severity of past due, rated and nonaccrual assets, loan review system, collateral value, concentrations of credit, and legal or regulatory requirements and competition. The Company measures expected credit losses for loans on a pooled basis when similar risk characteristics exist. The Company has identified the following portfolio segments and calculates the allowance for credit losses for each using a discounted cash flow methodology: · Commercial Loans. We make commercial loans to qualified businesses in our market area. Our commercial lending consists primarily of commercial and industrial loans to finance accounts receivable, inventory, property, plant and equipment. Commercial business loans generally have a higher degree of risk than residential mortgage loans, but have commensurately higher yields. Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be easily ascertainable. In contrast, commercial business loans typically are made on the basis of the borrower’s ability to make repayment from cash flow from its business and are secured by business assets, such as commercial real estate, accounts receivable, equipment and inventory. As a result, the availability of funds for the repayment of commercial business loans may be substantially dependent on the success of the business itself. Further, the collateral for commercial business loans may depreciate over time and cannot be appraised with as much precision as residential real estate. To manage these risks, our underwriting guidelines generally require us to secure commercial loans with both the assets of the borrowing business and other additional collateral and guarantees that may be available. In addition, we actively monitor certain measures of the borrower, including advance rate, cash flow, collateral value and other appropriate credit factors. · Residential Mortgage Loans. Our residential mortgage loans consist of residential first and second mortgage loans, residential construction loans, home equity lines of credit and term loans secured by first and second mortgages on the residences of borrowers for home improvements, education and other personal expenditures. We make mortgage loans with a variety of terms, including fixed and floating or variable rates and a variety of maturities. Under our underwriting guidelines, residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be easily ascertainable. These loans are made consistent with our appraisal policies and real estate lending policies, which detail maximum loan-to-value ratios and maturities. · Construction Loans. Construction lending entails significant additional risks compared to residential mortgage lending. Construction loans often involve larger loan balances concentrated with single borrowers or groups of related borrowers. Construction loans also involve additional risks attributable to the fact that loan funds are advanced upon the security of property under construction, which is of uncertain value prior to the completion of construction. Thus, it is more difficult to evaluate the total loan funds required to complete a project and related loan-to-value ratios accurately. To minimize the risks associated with construction lending, loan-to-value limitations for residential, multi-family and non-residential construction loans are in place. These are in addition to the usual credit analyses of borrowers. Management feels that the loan-to-value ratios help to minimize the risk of loss and to compensate for normal fluctuations in the real estate market. Maturities for construction loans generally range from 4 to 12 months for residential property and from 6 to 18 months for non-residential and multi-family properties. · Consumer Loans. Our consumer loans consist primarily of installment loans to individuals for personal, family and household purposes. The specific types of consumer loans that we make include home improvement loans, debt consolidation loans and general consumer lending. Consumer loans entail greater risk than residential mortgage loans, particularly in the case of consumer loans that are unsecured, such as lines of credit, or secured by rapidly depreciating assets such as automobiles. In such cases, any repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance due to the greater likelihood of damage, loss or depreciation. The remaining deficiency often does not warrant further substantial collection efforts against the borrower. In addition, consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be adversely affected by job loss, divorce, illness or personal bankruptcy. Furthermore, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans. A borrower may also be able to assert against the Bank as an assignee any claims and defenses that it has against the seller of the underlying collateral. Loans that do not share risk characteristics are evaluated on an individual basis. The Company designates loan relationships of $250,000 or more that have been determined to meet the regulatory definitions of “special mention” or “classified” (together known as “criticized”) as individually evaluated. The fair value of individually evaluated loans is measured using the fair value of collateral (“collateral method”) or the DCF method. · The collateral method is applied to individually evaluated loans for which foreclosure is probable. The collateral method is also applied to individually evaluated loans when borrowers are experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral (“collateral dependent”). The allowance for credit loss is measured based on the difference between the fair value of the collateral and the amortized cost basis of the loan as of the measurement date. When repayment is expected to be from the operation of the collateral, the allowance for credit loss is calculated as the amount by which the amortized cost basis of the loan exceeds the present value of expected cash flows from the operation of the collateral. When repayment is expected to be from the sale of the collateral, the allowance for credit loss is calculated as the amount by which the loan's amortized cost basis exceeds the fair value of the underlying collateral less estimated cost to sell. The allowance for credit loss may be zero if the fair value of the collateral at the measurement date exceeds the amortized cost basis of the loan. · The DCF method is applied to individually evaluated loans that do not meet the criteria for collateral method measurement. Cash flows are projected and discounted using the same method as for collectively evaluated loans, and the Company considers default and prepayment assumptions. Allowance for Credit Losses – Unfunded Commitments Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit issued to meet customer financing needs. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for off-balance sheet loan commitments is represented by the contractual amount of those instruments. Such financial instruments are recorded when they are funded. The Company records an allowance for credit losses on off-balance sheet credit exposures, unless the commitments to extend credit are unconditionally cancelable, through a charge to provision for unfunded commitments, which is included in the provision for credit losses, in the Company’s income statements. The allowance for credit losses on off-balance sheet credit exposures is estimated by loan segment at each balance sheet date under the current expected credit loss model using the same methodologies as portfolio loans, taking into consideration the likelihood that funding will occur as well as any third-party guarantees. The allowance for unfunded commitments is included in other liabilities on the Company’s consolidated balance sheets. On January 1, 2023, concurrent with its adoption of ASU No. 2016-13, the Company adopted ASU No. 2022-02, “Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures.” The amendments eliminate the accounting guidance for troubled debt restructurings (“TDRs”) by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. Disclosures about periods prior to adoption will be presented under GAAP applicable for that period. Similar to its policy under previous GAAP, the Company continues to identify modifications to loans and to determine whether the borrower is experiencing financial difficulty. If the Company determines that the borrower is experiencing financial difficulty, the loan's risk rating is evaluated to determine whether it falls within the regulatory definition of “criticized” and requires individual evaluation. Under previous GAAP, modifications to loans when the borrower was experiencing financial difficulty were designated as TDRs and were individually evaluated for the duration of the loan. Under CECL, if a previously modified loan with financial difficulty is subsequently upgraded to a pass rating, it will no longer be individually evaluated.

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2023
Earnings per share
EARNINGS PER SHARE	NOTE 3 EARNINGS PER SHARE Basic earnings per share computations are based on the weighted average number of shares outstanding during each period. Diluted earnings per share reflect the additional common shares that would have been outstanding if dilutive potential common shares had been issued. For the three-month and nine-month periods ended September 30, 2023 and 2022, there were no potential common shares. Basic and diluted net income per common share calculations follows: Schedule of basic and diluted net loss per common share calculations (Dollars in thousands, except For the three months For the nine months 2023 2022 2023 2022 Net income $ 1,890 $ 1,986 $ 5,635 $ 5,830 Weighted average shares outstanding 23,793,170 23,893,224 23,817,236 23,910,287 Weighted average dilutive shares outstanding 23,793,170 23,893,224 23,817,236 23,910,287 Basic and diluted earnings per share $ 0.08 $ 0.08 $ 0.24 $ 0.24

CAPITAL

CAPITAL	9 Months Ended
	Sep. 30, 2023
CAPITAL	NOTE 4 CAPITAL Capital Requirements and Ratios 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. To qualify as a "Small Bank Holding Company" under federal regulations, a bank must have consolidated assets of $3.0 billion or less. The primary benefit of being deemed a "Small Bank Holding Company" is the exemption from the requirement to maintain consolidated regulatory capital ratios; instead, regulatory capital ratios only apply at the subsidiary bank level. The final rules implementing Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (BASEL III rules) became fully phased in on January 1, 2019. Under the BASEL III rules, the Bank must hold a capital conservation buffer above the adequately capitalized risk-based capital ratios. The capital conservation buffer required is 2.50% 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. At September 30, 2023, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the institution's category. In February 2019, the U.S. federal bank regulatory agencies approved a final rule modifying their regulatory capital rules and providing an option to phase in over a three-year period the Day 1 adverse regulatory capital effects of the CECL accounting standard. Additionally, in March 2020, the U.S. federal bank regulatory agencies issued an interim final rule that provides banking organizations an option to delay the estimated CECL impact on regulatory capital for an additional two years for a total transition period of up to five years. The final rule was adopted and became effective in September 2020. The Company implemented the CECL model commending January 1, 2023, and elected not to phase in the effect of CECL on regulatory capital. The Bank’s actual capital amounts and ratios are presented in the following table as of September 30, 2023 and December 31, 2022, respectively. Schedule of capital requirements Actual Minimum Capital Requirement Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio September 30, 2023: Total capital to risk weighted assets 97,384 16.46 % $ 47,342 8.00 % $ 59,178 10.00 % Tier 1 capital to risk weighted assets 90,201 15.24 % 35,507 6.00 % 47,342 8.00 % Tier 1 capital to average assets 90,201 11.06 % 32,625 4.00 % 40,781 5.00 % Common equity Tier 1 capital to risk weighted assets 90,201 15.24 % 26,630 4.50 % 38,465 6.50 % December 31, 2022: Total capital to risk weighted assets 93,028 16.50 % $ 45,106 8.00 % $ 56,382 10.00 % Tier 1 capital to risk weighted assets 86,301 15.31 % 33,829 6.00 % 45,106 8.00 % Tier 1 capital to average assets 86,301 10.40 % 33,206 4.00 % 41,508 5.00 % Common equity Tier 1 capital to risk weighted assets 86,301 15.31 % 25,372 4.50 % 36,648 6.50 %

INVESTMENT SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2023
Investment securities activity
INVESTMENT SECURITIES	NOTE 5 INVESTMENT SECURITIES The amortized cost and estimated fair value of available-for-sale (“AFS”) securities as of September 30, 2023 and December 31, 2022 are as follows: Schedule of securities amortized cost and estimated fair value Gross Gross Approximate Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value September 30, 2023 U.S. Treasuries $ 11,649 $ — $ 919 $ 10,730 U.S. Government Agencies 9,619 3 843 8,779 Taxable municipals 22,989 — 6,259 16,730 Corporate bonds 3,003 — 390 2,613 Mortgage backed securities 59,238 — 10,638 48,600 Total securities available-for-sale $ 106,498 $ 3 $ 19,049 $ 87,452 December 31, 2022 U.S. Treasuries $ 12,642 $ — $ 957 $ 11,685 U.S. Government Agencies 10,129 4 734 9,399 Taxable municipals 23,022 — 6,207 16,815 Corporate bonds 3,512 — 376 3,136 Mortgage backed securities 64,419 — 9,378 55,041 Total securities available-for-sale $ 113,724 $ 4 $ 17,652 $ 96,076 The following table details unrealized losses and related fair values in the AFS portfolio. This information is aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of September 30, 2023 and December 31, 2022. Schedule of fair value and gross unrealized losses on investment securities Less than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Unrealized Fair Unrealized Fair Unrealized September 30, 2023 U. S. Treasuries $ — $ — $ 10,730 $ 919 $ 10,730 $ 919 U.S. Government Agencies — — 8,081 843 8,081 843 Taxable municipals 464 36 16,266 6,223 16,730 6,259 Corporate bonds 481 19 2,132 371 2,613 390 Mortgage backed securities 50 1 48,550 10,637 48,600 10,638 Total securities available-for-sale $ 995 $ 56 $ 85,759 $ 18,993 $ 86,754 $ 19,049 December 31, 2022 U.S. Treasuries $ 4,761 $ 145 $ 6,922 $ 812 $ 11,683 $ 957 U.S. Government Agencies 5,925 348 3,295 386 9,220 734 Taxable municipals 3,689 1,113 13,127 5,094 16,816 6,207 Corporate bonds 2,375 136 761 240 3,136 376 Mortgage backed securities 11,338 861 43,612 8,517 54,950 9,378 Total securities available-for-sale $ 28,088 $ 2,603 $ 67,717 $ 15,049 $ 95,805 $ 17,652 As of September 30, 2023, there were 212 securities in a loss position, of which 209 have been in a loss position for twelve months or more. Management believes that all unrealized losses have resulted from temporary changes in the interest rates and current market conditions and are not a result of credit deterioration. Management does not plan to sell, and it is not likely that the Bank will be required to sell any of the securities referenced in the table above before recovery of their amortized cost. None of the individual securities are past due as to principal or interest payments and a number of these securities have explicit or implicit payment guarantees. The remaining securities have credit ratings at or above that necessary to be considered “bank qualified.” Investment securities with a carrying value of $ 35.3 27.3 There were no sales of available-for-sale investment securities during the three and nine months ended September 30, 2023 and 2022. The amortized cost and fair value of investment securities as of September 30, 2023, by contractual maturity, are shown in the following schedule. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Schedule of amortized cost and fair value of investment securities contractual maturity Weighted (Dollars in thousands) Amortized Fair Average Securities Available-for-Sale Cost Value Yield Due in one year or less $ 2,003 $ 1,966 2.33 % Due after one year through five years 14,691 13,714 2.11 % Due after five years through ten years 17,932 15,239 2.17 % Due after ten years 71,872 56,533 1.90 % Total $ 106,498 $ 87,452 1.99 % The Bank, as a member bank of the Federal Reserve Bank of Richmond (Federal Reserve Bank) and the Federal Home Loan Bank of Atlanta (FHLB), is required to hold stock in each. The Bank also owns stock in CBB Financial Corp., which is a correspondent of the Bank. These equity securities, which are included in other assets on the consolidated balance sheet, are restricted from trading and are recorded at a cost of $ 2.7 2.1

LOANS

LOANS	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
LOANS	NOTE 6 LOANS Loans receivable outstanding as of September 30, 2023, and December 31, 2022, are summarized as follows: Schedule of Loans receivable outstanding (Dollars in thousands) September 30, December 31, 2022 Real estate secured: Commercial $ 222,119 $ 197,069 Construction and land development 42,278 42,470 Residential 1-4 family 235,584 227,232 Multifamily 34,072 29,710 Farmland 17,599 17,744 Total real estate loans 551,652 514,225 Commercial 48,943 46,697 Agriculture 3,180 3,756 Consumer installment loans 21,871 19,309 All other loans 557 626 Total loans $ 626,203 $ 584,613 Also included in total loans above are deferred loan fees of $1.8 million and $1.6 million as of September 30, 2023 and December 31, 2022, respectively. Deferred loan costs were $2.0 million and $1.9 million, as of September 30, 2023 and December 31, 2022, respectively. Income from net deferred fees and costs is recognized over the lives of the respective loans as a yield adjustment. If loans repay prior to scheduled maturities any unamortized fee or costs is recognized at that time. Loans receivable on nonaccrual status as of September 30, 2023, and December 31, 2022, are summarized as follows: Summary of loans receivable on nonaccrual status CECL Incurred Loss September 30, 2023 December 31, 2022 (Dollars in thousands) With No Allowance With an Allowance Total Real estate secured: Commercial $ - $ 268 $ 268 $ - Construction and land development - - - 471 Residential 1-4 family 2,342 - 2,342 2,597 Multifamily 199 - 199 268 Farmland - - - 41 Total real estate loans 2,541 268 2,809 3,377 Commercial - - - - Consumer installment loans and other loans 3 - 3 36 Total loans receivable on nonaccrual status $ 2,544 $ 268 $ 2,812 $ 3,413 Total interest income not recognized on nonaccrual loans for the nine months ended September 30, 2023, and September 30, 2022, was $33,000 and $22,000, respectively. Prior to the adoption of ASU 2016-13, loans were considered impaired when, based on current information and events, it was probable the Company would be unable to collect all amounts due in accordance with the original contractual terms of the loan agreements. Impaired loans included loans on nonaccrual status and accruing troubled debt restructurings. When determining if the Company would be unable to collect all principal and interest payments due in accordance with the contractual terms of the loan agreement, the Company considered the borrower’s capacity to pay, which included such factors as the borrower’s current financial statements, an analysis of global cash flow sufficient to pay all debt obligations and an evaluation of secondary sources of repayment, such as guarantor support and collateral value. The Company individually assessed for impairment all nonaccrual loans greater than $250,000 and all troubled debt restructurings, whether or not currently classified as such. The tables below include all loans deemed impaired, whether or not individually assessed for impairment. If a loan was deemed impaired, a specific valuation allowance was allocated, if necessary, so that the loan was reported net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment was expected solely from the collateral. Interest payments on impaired loans were typically applied to principal unless collectability of the principal amount was reasonably assured, in which case interest was recognized on a cash basis. The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2022: Schedule of summary of impaired loans As of December 31, 2022 (Dollars in thousands) Recorded Unpaid Principal Balance Related Average With no related allowance recorded: Real estate secured: Commercial $ 90 $ 131 $ — $ 124 Construction and land development 471 491 — 114 Residential 1-4 family 1,617 1,972 — 1,585 Multifamily — — — — Farmland 248 417 — 307 Commercial 23 31 — 14 Agriculture — — — — Consumer installment loans — — — 1 All other loans — — — — With an allowance recorded: Real estate secured: Commercial 268 338 63 407 Construction and land development — — — 291 Residential 1-4 family 32 48 23 201 Multifamily — — — 20 Farmland — — — 63 Commercial — — — 27 Agriculture — — — — Consumer installment loans — — — — All other loans — — — — Total $ 2,749 $ 3,428 $ 86 $ 3,154 Upon adoption of ASU 2016-13 the Company began evaluating loans that do not share risk characteristics on an individual basis utilizing the collateral or discounted cash flow methods as described in Note 2 Summary of Significant Accounting Policies. The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related ACL allocated to those loans as September 30, 2023: As of September 30, 2023 (Dollars in thousands) Unpaid Principal Balance Related Real estate secured: Commercial $ 268 $ 64 Construction and land development — — Residential 1-4 family — — Multifamily — — Farmland — — Total real estate secured 268 64 Commercial — — Agriculture 77 51 Consumer installment loans — — Total $ 345 $ 115 The following table is an age analysis of past due loans receivable as of September 30, 2023, segregated by class: Summary age analysis of past due loans receivable September 30, 2023 (Dollars in thousands) Loans Loans Loans Total Current Total Real estate secured: Commercial $ 306 $ — $ 268 $ 574 $ 221,545 $ 222,119 Construction and land 5 — — 5 42,273 42,278 Residential 1-4 family 1,769 624 556 2,949 232,635 235,584 Multifamily — — 199 199 33,873 34,072 Farmland 345 — — 345 17,254 17,599 Total real estate loans 2,425 624 1,023 4,072 547,580 551,652 Commercial 157 — — 157 48,786 48,943 Agriculture 124 — — 124 3,056 3,180 Consumer installment 92 7 2 101 21,770 21,871 All other loans — — — — 557 557 Total loans $ 2,798 $ 631 $ 1,025 $ 4,454 $ 621,749 $ 626,203 The following table is an age analysis of past due loans receivable as of December 31, 2022, segregated by class: December 31, 2022 (Dollars in thousands) Loans Loans Loans Total Current Total Real estate secured: Commercial $ 268 $ — $ — $ 268 $ 196,801 $ 197,069 Construction and land 89 — — 89 42,381 42,470 Residential 1-4 family 3,521 543 341 4,405 222,827 227,232 Multifamily 229 — — 229 29,481 29,710 Farmland 285 — — 285 17,459 17,744 Total real estate loans 4,392 543 341 5,276 508,949 514,225 Commercial 56 — — 56 46,641 46,697 Agriculture — — — — 3,756 3,756 Consumer installment 73 17 17 107 19,202 19,309 All other loans 59 — — 59 567 626 Total loans $ 4,580 $ 560 $ 358 $ 5,498 $ 579,115 $ 584,613 The Company categorizes loans receivable into risk categories based on relevant information about the ability of 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 receivable as to credit risk. The Company uses the following definitions for risk ratings: Pass Special Mention Substandard A substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt; they are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful Loans classified doubtful have all the weaknesses inherent in loans classified as substandard, plus the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values highly questionable and improbable. The following table presents the credit risk grade of loans by origination year as of September 30, 2023: Summary of risk category of loans receivable As of September 30, 2023 (Dollars are in thousands) 2023 2022 2021 2020 2019 Prior Revolving Total Commercial real estate Pass $ 31,740 $ 46,199 $ 45,916 $ 30,444 $ 21,379 $ 45,068 $ 1,008 $ 221,754 Special mention — — — — — 96 — 96 Substandard — — — — — 269 — 269 Total commercial real estate $ 31,740 $ 46,199 $ 45,916 $ 30,444 $ 21,379 $ 45,433 $ 1,008 $ 222,119 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Construction and Land Development Pass $ 9,626 $ 14,121 $ 10,137 $ 4,535 $ 1,853 $ 1,839 $ 61 $ 42,172 Special mention — — — — — 106 — 106 Substandard — — — — — — — — Total construction and land development $ 9,626 $ 14,121 $ 10,137 $ 4,535 $ 1,853 $ 1,945 $ 61 $ 42,278 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Residential 1-4 family Pass $ 21,278 $ 35,304 $ 42,333 $ 13,941 $ 14,261 $ 84,352 $ 21,598 $ 233,067 Special mention — — — — — 171 — 171 Substandard 87 — 104 — 39 2,086 30 2,346 Total residential 1-4 family $ 21,365 $ 35,304 $ 42,437 $ 13,941 $ 14,300 $ 86,609 $ 21,628 $ 235,584 Current period gross charge-offs $ — $ — $ — $ — $ — $ (6 ) $ — $ (6 ) Multifamily Pass $ 4,815 $ 11,699 $ 8,053 $ 2,657 $ 1,093 $ 5,556 $ — $ 33,873 Special mention — — — — — — — — Substandard — — — — — 199 — 199 Total multifamily $ 4,815 $ 11,699 $ 8,053 $ 2,657 $ 1,093 $ 5,755 $ — $ 34,072 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Farmland Pass $ 1,770 $ 2,236 $ 3,444 $ 797 $ 1,218 $ 7,944 $ — $ 17,409 Special mention — — — — 1 189 — 190 Substandard — — — — — — — — Total farmland $ 1,770 $ 2,236 $ 3,444 $ 797 $ 1,219 $ 8,133 $ — $ 17,599 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Pass $ 13,321 $ 11,212 $ 6,173 $ 1,746 $ 2,285 $ 3,256 $ 10,947 $ 48,940 Special mention — — — — — 3 — 3 Substandard — — — — — — — — Total commercial $ 13,321 $ 11,212 $ 6,173 $ 1,746 $ 2,285 $ 3,259 $ 10,947 $ 48,943 Current period gross charge-offs $ — $ (5 ) $ — $ — $ — $ — $ — $ (5 ) Agriculture Pass $ 491 $ 562 $ 475 $ 148 $ 94 $ 648 $ 762 $ 3,180 Special mention — — — — — — — — Substandard — — — — — — — — Total agriculture $ 491 $ 562 $ 475 $ 148 $ 94 $ 648 $ 762 $ 3,180 Current period gross charge-offs $ — $ — $ — $ — $ — $ (59 ) $ — $ (59 ) Consumer and All Other Pass $ 9,076 $ 5,708 $ 2,815 $ 1,081 $ 721 $ 1,251 $ 1,774 $ 22,426 Special mention — 1 — — — — — 1 Substandard — — 1 — — — — 1 Total consumer and all other $ 9,076 $ 5,709 $ 2,816 $ 1,081 $ 721 $ 1,251 $ 1,774 $ 22,428 Current period gross charge-offs $ (140 ) $ (47 ) $ (11 ) $ — $ — $ (46 ) $ — $ (244 ) Total $ 92,204 $ 127,042 $ 119,451 $ 55,349 $ 42,944 $ 153,033 $ 36,180 $ 626,203 Total current period gross charge-offs $ (140 ) $ (52 ) $ (11 ) $ — $ — $ (111 ) $ — $ (314 ) The following table presents the credit risk grade of loans as of December 31, 2022, prior to the adoption of ASU 2016-13, under the incurred loss model: As of December 31, 2022 (Dollars in thousands) Pass Special Substandard Doubtful Total Real estate secured: Commercial $ 195,376 $ 1,425 $ 268 $ — $ 197,069 Construction and land development 41,882 117 471 — 42,470 Residential 1-4 family 224,228 406 2,598 — 227,232 Multifamily 29,503 207 — — 29,710 Farmland 16,848 855 41 — 17,744 Total real estate loans 507,837 3,010 3,378 — 514,225 Commercial 46,471 226 — — 46,697 Agriculture 3,756 — — — 3,756 Consumer installment loans 19,272 2 35 — 19,309 All other loans 626 — — — 626 Total $ 577,962 $ 3,238 $ 3,413 $ — $ 584,613

ALLOWANCE FOR CREDIT LOSSES FOR

ALLOWANCE FOR CREDIT LOSSES FOR LOANS (“ACLL”)	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
ALLOWANCE FOR CREDIT LOSSES FOR LOANS (“ACLL”)	NOTE 7 ALLOWANCE FOR CREDIT LOSSES FOR LOANS (“ACLL”) In determining the amount of our allowance for credit losses, we rely on an analysis of our loan portfolio, our experience and our evaluation of general economic conditions. If our assumptions prove to be incorrect, our current allowance may not be sufficient to cover future loan losses and we may experience significant increases to our provision. The following table presents a disaggregated analysis of activity in the allowance for credit losses for loans as of September 30, 2023: Schedule of allocation of portion of allowance Real estate secured (Dollars are in thousands) Commercial Construction and Land Development Residential 1-4 family Multifamily Farmland Commercial Agriculture Consumer and All Other Unallocated Total Nine months ended September 30, 2023 Beginning balance $ 2,364 $ 345 $ 2,364 $ 262 $ 153 $ 381 $ 32 $ 386 $ 440 $ 6,727 Adjustment to allowance for adoption of ASU 2016-13 (299 ) 164 275 12 75 241 (5 ) (103 ) (440 ) (80 ) Charge-offs — — (6 ) — — (5 ) (59 ) (244 ) — (314 ) Recoveries — 31 26 — — 8 — 133 — 198 Provision for credit losses 332 (107 ) (46 ) 54 (46 ) (34 ) 60 164 — 377 Ending balance $ 2,397 $ 433 $ 2,613 $ 328 $ 182 $ 591 $ 28 $ 336 $ — $ 6,908 Three months ended September 30, 2023 Beginning balance $ 2,277 $ 498 $ 2,583 $ 290 $ 192 $ 576 $ 85 $ 313 $ — $ 6,814 Charge-offs — — (6 ) — — — (59 ) (71 ) — (136 ) Recoveries — 15 11 — — 7 — 36 — 69 Provision for credit losses 120 (80 ) 25 38 (10 ) 8 2 58 — 161 Ending balance $ 2,397 $ 433 $ 2,613 $ 328 $ 182 $ 591 $ 28 $ 336 $ — $ 6,908 The following tables present a disaggregated analysis of activity in the allowance for loan losses, for comparative periods, prior to the adoption of ASU 2016-13: Real estate secured (Dollars are in thousands) Commercial Construction and Land Development Residential 1-4 family Multifamily Farmland Commercial Agriculture Consumer and All Other Unallocated Total Year ended December 31, 2022 Beginning balance $ 2,134 $ 189 $ 2,237 $ 254 $ 149 $ 1,099 $ 28 $ 108 $ 537 $ 6,735 Charge-offs (5 ) (149 ) (64 ) (111 ) (1 ) (45 ) (1 ) (559 ) — (935 ) Recoveries 33 6 100 2 14 31 1 115 — 302 Provision 202 299 91 117 (9 ) (704 ) 4 722 (97 ) 625 Ending balance $ 2,364 $ 345 $ 2,364 $ 262 $ 153 $ 381 $ 32 $ 386 $ 440 $ 6,727 Allowance for loan losses at December 31, 2022 Individually evaluated for impairment $ 63 $ — $ 23 $ — $ — $ — $ — $ — $ — $ 86 Collectively evaluated for impairment 2,301 345 2,341 262 153 381 32 386 440 6,641 $ 2,364 $ 345 $ 2,364 $ 262 $ 153 $ 381 $ 32 $ 386 $ 440 $ 6,727 Loans at December 31, 2022 Individually evaluated for impairment $ 358 $ 471 $ 1,649 $ — $ 248 $ 23 $ — $ — $ — $ 2,749 Collectively evaluated for impairment 196,711 41,999 225,583 29,710 17,496 46,965 3,756 19,644 — 581,864 $ 197,069 $ 42,470 $ 227,232 $ 29,710 $ 17,744 $ 46,988 $ 3,756 $ 19,644 $ — $ 584,613 Real estate secured (Dollars are in thousands) Commercial Construction and Land Development Residential 1-4 family Multifamily Farmland Commercial Agriculture Consumer and All Other Unallocated Total Nine months ended September 30, 2022 Beginning balance $ 2,134 $ 189 $ 2,237 $ 254 $ 149 $ 1,099 $ 28 $ 108 $ 537 $ 6,735 Charge-offs (5 ) (149 ) (52 ) (111 ) (2 ) (29 ) — (454 ) — (802 ) Recoveries 33 3 87 2 14 29 — 92 — 260 Provision 42 394 (107 ) 97 (24 ) (429 ) 1 565 (139 ) 400 Ending balance $ 2,204 $ 437 $ 2,165 $ 242 $ 137 $ 670 $ 29 $ 311 $ 398 $ 6,593 Three months ended September 30, 2022 Beginning balance $ 2,162 $ 450 $ 2,239 $ 408 $ 141 $ 853 $ 29 $ 170 $ 364 $ 6,816 Charge-offs (5 ) (149 ) (28 ) (50 ) (2 ) (1 ) — (409 ) — (644 ) Recoveries 33 3 65 2 14 15 — 64 — 196 Provision 14 133 (111 ) (118 ) (16 ) (197 ) — 486 34 225 Ending balance $ 2,204 $ 437 $ 2,165 $ 242 $ 137 $ 670 $ 29 $ 311 $ 398 $ 6,593 Allowance for loan losses as of June 30, 2022 Individually evaluated for impairment $ 69 $ 174 $ 26 $ — $ — $ — $ — $ — $ — $ 269 Collectively evaluated for impairment 2,135 263 2,139 242 137 670 29 311 398 6,324 $ 2,204 $ 437 $ 2,165 $ 242 $ 137 $ 670 $ 29 $ 311 $ 398 $ 6,593 Loans as of September 30, 2022 Individually evaluated for impairment $ 383 $ 716 $ 1,696 $ — $ 268 $ 24 $ — $ — $ — $ 3,087 Collectively evaluated for impairment 197,718 37,882 225,010 29,062 17,199 45,102 3,799 21,015 — 576,787 $ 198,101 $ 38,598 $ 226,706 $ 29,062 $ 17,467 $ 45,126 $ 3,799 $ 21,015 $ — $ 579,874 Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

MODIFICATIONS MADE TO BORROWERS

MODIFICATIONS MADE TO BORROWERS EXPERIENCING FINANCIAL DIFFICULTY	9 Months Ended
	Sep. 30, 2023
Modifications Made To Borrowers Experiencing Financial Difficulty
MODIFICATIONS MADE TO BORROWERS EXPERIENCING FINANCIAL DIFFICULTY	NOTE 8 MODIFICATIONS MADE TO BORROWERS EXPERIENCING FINANCIAL DIFFICULTY The allowance for credit losses incorporates an estimate of lifetime expected credit losses and is recorded on each asset upon asset origination or acquisition. The starting point for the estimate of the allowance for credit losses is historical loss information, which includes losses from modifications of receivables to borrowers experiencing financial difficulty. The Company uses a discounted cash flow methodology to determine the allowance for credit losses. An assessment of whether a borrower is experiencing financial difficulty is made on the date of a modification. Because the effect of most modifications made to borrowers experiencing financial difficulty is already included in the allowance for credit losses because of the measurement methodologies used to estimate the allowance, a change to the allowance for credit losses is generally not recorded upon modification. Occasionally, the Company modifies loans by providing principal forgiveness on certain of its real estate loans. When principal forgiveness is provided, the amortized cost basis of the asset is written off against the allowance for credit losses. The amount of the principal forgiveness is deemed to be uncollectible; therefore, that portion of the loan is written off, resulting in a reduction of the amortized cost basis and a corresponding adjustment to the allowance for credit losses. In some cases, the Company will modify a certain loan by providing multiple types of concessions. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted. There were no loans modified to borrowers experiencing financial difficulty in the three or nine months ended September 30, 2023. Additionally, there were no loans that had a payment default during the quarter that were modified in the previous 12 months. Prior to adoption of ASC 2022-02, there were $2.0 million in loans classified as troubled debt restructurings as of December 31, 2022. All loans considered to be troubled debt restructurings are individually evaluated for impairment as part of the allowance for loan losses calculation. No loans modified during the three and nine months ended September 30, 2022 were considered to be troubled debt restructurings. During the three months ended September 30, 2022, one loan modified as a troubled debt restructuring totaling $6,000 defaulted within twelve months of the loan modification. During the nine months ended September 30, 2022, two loans modified as troubled debt restructurings totaling $73,000 defaulted within twelve months of the loan modification. Generally, a restructured troubled debt is considered to be in default once it becomes 90 days or more past due following a modification.

CREDIT ALLOWANCE FOR UNFUNDED C

CREDIT ALLOWANCE FOR UNFUNDED COMMITMENTS	9 Months Ended
	Sep. 30, 2023
Credit Allowance For Unfunded Commitments
CREDIT ALLOWANCE FOR UNFUNDED COMMITMENTS	NOTE 9 CREDIT ALLOWANCE FOR UNFUNDED COMMITMENTS The Company maintains a separate allowance for credit losses on off-balance-sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the consolidated balance sheet. The allowance for credit losses for off-balance-sheet credit exposures is adjusted through a provision for credit losses in the income statement. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life, utilizing the same models and approaches for the Company's other loan portfolio segments described above, as these unfunded commitments share similar risk characteristics as its loan portfolio segments. The Company has identified the unfunded portion of certain lines of credit as unconditionally cancellable credit exposures, meaning the Company can cancel the unfunded commitment at any time. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company or for undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. On January 1, 2023, the Company recorded an adjustment to initiate an allowance for credit losses for unfunded commitments of $348,000 for the adoption of ASC Topic 326. For the three and nine months ended September 30, 2023, the Company recorded a reversal to the provision for credit losses for unfunded commitments of $6,000, and $73,000, respectively. As of September 30, 2023, the liability for credit losses on off-balance-sheet credit exposures included in other liabilities was $275,000.

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	9 Months Ended
	Sep. 30, 2023
Real Estate [Abstract]
OTHER REAL ESTATE OWNED	NOTE 10 OTHER REAL ESTATE OWNED The following table summarizes the activity in other real estate owned for the nine months ended September 30, 2023, and the year ended December 31, 2022: Schedule of other real estate owned (Dollars in thousands) September 30, December 31, 2022 Balance, beginning of period $ 261 $ 1,361 Additions — — Transfers from premises and equipment — — Proceeds from sales — (207 ) Proceeds from insurance claims — — Loans made to finance sales — (711 ) Adjustment of carrying value — (197 ) Net gains from sales — 15 Balance, end of period $ 261 $ 261 As of September 30, 2023, two loans totaling $109,145 were in the process of foreclosure.

FAIR VALUES

FAIR VALUES	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
FAIR VALUES	NOTE 11 FAIR VALUES The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the Fair Value Measurements and Disclosures topic of Financial Accounting Standards Board (the FASB) ASC, the fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market and in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in the principal or most advantageous market and in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is most representative of fair value under current market conditions. In accordance with this guidance, the Company groups its financial assets and financial liabilities generally measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. Level 1: Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level 2: Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are valued using other financial instruments, the parameters of which can be directly observed. Level 3: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation. A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy are as follows: Investment Securities Available-for-sale - Investment securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices. The Company’s available-for-sale securities, totaling $ 87.5 96.1 Collateral Dependent Loans with an ACL - In accordance with ASC 326, we may determine that an individual loan exhibits unique risk characteristics which differentiate it from other loans within our loan pools. In such cases, the loans are evaluated for expected credit losses on an individual basis and excluded from the collective evaluation. Specific allocations of the allowance for credit losses are determined by analyzing the borrower's ability to repay amounts owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower's industry, among other things. A loan is considered to be collateral dependent when, based upon management's assessment, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In such cases, expected credit losses are based on the fair value of the collateral at the measurement date, adjusted for estimated selling costs if satisfaction of the loan depends on the sale of the collateral. We reevaluate the fair value of collateral supporting collateral dependent loans on a quarterly basis. The fair value of real estate collateral supporting collateral dependent loans is evaluated by appraisal services using a methodology that is consistent with the Uniform Standards of Professional Appraisal Practice. Other Real Estate Owned –Other real estate owned is adjusted to fair value upon transfer of the loans, or former bank premises, to other real estate owned. These assets are carried at the lower of their carrying value or fair value. Fair value is based upon observable market prices, when available, reduced by estimated disposition costs, which the Company considers to be nonrecurring Level 2 inputs. When observable market prices are not available, management determines the fair value of the foreclosed asset using independent third-party appraisals, evaluated to determine whether or not the property is further impaired below the appraised value, and adjusts for estimated costs of disposition. The Company records foreclosed assets as nonrecurring Level 3. Assets and liabilities measured at fair value are as follows as of September 30, 2023: Schedule of summary of assets and liabilities measured at fair value September 30, 2023 (Dollars in thousands) Quoted market price in active markets Significant other observable inputs Significant unobservable inputs (On a recurring basis) U.S. Treasuries $ — $ 10,730 $ — U.S. Government Agencies — 8,779 — Taxable municipals — 16,730 — Corporate bonds — 2,613 — Mortgage-backed securities — 48,600 — (On a non-recurring basis) — — 261 Collateral dependent loans with ACL: Commercial real estate — — 205 Agriculture 26 Total $ — $ 87,452 $ 492 Assets and liabilities measured at fair value are as follows as of December 31, 2022 (for purpose of this table, the impaired loans are shown net of the related allowance): December 31, 2022 (Dollars in thousands) Quoted market price in active markets Significant other observable inputs Significant unobservable inputs (On a recurring basis) U.S. Treasuries $ — $ 11,685 — U.S. Government Agencies — 9,399 $ — Taxable municipals — 16,815 — Corporate bonds — 3,136 — Mortgage-backed securities — 55,041 — (On a non-recurring basis) — — 261 Impaired loans — — 213 Total $ — $ 96,076 $ 474 For Level 3 assets measured at fair value on a recurring or non-recurring basis as of September 30, 2023 and December 31, 2022, the significant unobservable inputs used in the fair value measurements were as follows: Schedule of significant unobservable inputs In level 3 assets (Dollars in thousands) Fair Value at September 30, 2023 Fair Value at December 31, 2022 Valuation Technique Significant Unobservable Inputs General Range of Significant Unobservable Input Values Collateral dependent loans with ACL: Appraised Value Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell 0 18% Commercial real estate $ 205 $ 213 Agriculture 26 - Other Real Estate Owned $ 261 $ 261 Appraised Value/Comparable Sales/Other Estimates from Independent Sources Discounts to reflect current market conditions and estimated costs to sell 0 18% Fair Value of Financial Instruments Fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practical to estimate the value is based upon the characteristics of the instruments and relevant market information. Financial instruments include cash, evidence of ownership in an entity, or contracts that convey or impose on an entity that contractual right or obligation to either receive or deliver cash for another financial instrument. The following summary presents the methodologies and assumptions used to estimate the fair value of the Company’s financial instruments presented below. The information used to determine fair value is highly subjective and judgmental in nature and, therefore, the results may not be precise. Subjective factors include, among other things, estimates of cash flows, risk characteristics, credit quality, and interest rates, all of which are subject to change. Since the fair value is estimated as of the balance sheet date, the amounts that will actually be realized or paid upon settlement or maturity on these various instruments could be significantly different. The carrying amount and fair value of the Company’s financial instruments that are not required to be measured or reported at fair value on a recurring basis as of September 30, 2023, and December 31, 2022, are as follows: Schedule of estimated fair value of financial instruments Fair Value Measurements (Dollars in thousands) Carrying Fair Quoted market price in active markets Significant other observable inputs Significant unobservable inputs September 30, 2023 Financial instruments – assets Net loans $ 619,295 $ 590,220 $ — $ — $ 590,220 Financial instruments – liabilities Time deposits 224,841 221,937 — 221,937 — Borrowed funds 26,496 24,102 — 24,102 — December 31, 2022 Financial instruments – assets Net loans $ 577,886 $ 552,675 $ — $ 552,462 $ 213 Financial instruments – liabilities Time deposits 188,233 187,179 — 187,179 — Borrowed funds 16,496 14,825 — 14,825 — Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates. Estimated fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments. The carrying values of cash and due from banks, federal funds sold, deposits with no stated maturities, and accrued interest approximates fair value and are excluded from the table above. In accordance with our adoption of Accounting Standards Update (ASU) 2016-01 in 2018, the methods utilized to measure the fair value of financial instruments as of September 30, 2023 and December 31, 2022, represent an approximation of exit price; however, an actual exit price may differ.

LEASING ACTIVITIES

LEASING ACTIVITIES	9 Months Ended
	Sep. 30, 2023
Leasing Activities
LEASING ACTIVITIES	NOTE 12 LEASING ACTIVITIES As of September 30, 2023, the Bank leases four branch offices and sublets a lot adjacent to another branch office. The lease agreements have maturity dates ranging from May 2032 to December 2041. It is assumed that there are currently no circumstances in which the leases would be terminated prior to expiration. The weighted average remaining life of the lease terms as of September 30, 2023 was 8.85 The discount rate used in determining the lease liability for each individual lease was the FHLB fixed advance rate which corresponded to the lease term for each transaction. This methodology is expected to be used for any other subsequent lease agreements. The weighted average discount rate for the leases as of September 30, 2023 was 3.29% For the three and nine months ended September 30, 2023, operating lease expenses were $ 117,000 341,000 115,000 342,000 The Company’s other operating leases were evaluated and determined to be immaterial to the financial statements. As of September 30, 2023, future minimum rental commitments under the non-cancellable operating leases discussed above are as follows (dollars are in thousands): Schedule of future minimum rental commitments under the non-cancellable operating leases 2023 $ 114 2024 456 2025 456 2026 456 2027 477 Thereafter 2,226 Total lease payments 4,185 Less: imputed interest (713) Total $ 3,472

BORROWED FUNDS

BORROWED FUNDS	9 Months Ended
	Sep. 30, 2023
Debt Disclosure [Abstract]
BORROWED FUNDS	NOTE 13 BORROWED FUNDS Included in Borrowed Funds is one FHLB Advance of $ 10.0 3.51% May 4, 2028 No

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	9 Months Ended
	Sep. 30, 2023
Revenue from Contract with Customer [Abstract]
REVENUE FROM CONTRACTS WITH CUSTOMERS	NOTE 14 REVENUE FROM CONTRACTS WITH CUSTOMERS All our revenue from contracts with customers as defined in ASC 606 is recognized within noninterest income. Refer to Note 23 in our Annual Report on Form 10-K for the year ended December 31, 2022 for a description of how each revenue stream is accounted for under ASC 606. The following table presents noninterest income by revenue stream for the three and nine months ended September 30, 2023 and 2022: Schedule of revenue from contracts with customers For the three months ended For the nine months ended September 30, September 30, (Dollars in thousands) 2023 2022 2023 2022 Service charges and fees $ 1,020 $ 1,069 $ 2,896 $ 2,973 Card processing and interchange income 942 915 2,784 2,858 Insurance and investment fees 268 167 830 650 Other noninterest income 206 38 727 425 Total noninterest income $ 2,436 $ 2,189 $ 7,237 $ 6,906

NONINTEREST EXPENSES

NONINTEREST EXPENSES	9 Months Ended
	Sep. 30, 2023
Noninterest Expenses
NONINTEREST EXPENSES	NOTE 15 NONINTEREST EXPENSES Other operating expenses, included as part of noninterest expenses, consisted of the following for the periods presented: Schedule of noninterest expenses For the three months ended September 30, For the nine months ended September 30, (Dollars in thousands) 2023 2022 2023 2022 Other operating expenses $ 726 $ 663 $ 2,265 $ 2,003 ATM network expense 386 355 1,116 1,102 Legal, accounting, and professional fees 305 233 964 695 Loan related expenses 187 65 403 265 FDIC insurance premiums 89 56 265 159 Consulting fees 44 98 176 227 Advertising 43 55 150 119 Printing and supplies 38 35 127 107 Other real estate owned expenses, net 7 (35 ) 23 110 Total other operating expenses $ 1,825 $ 1,525 $ 5,489 $ 4,787

RECENT ACCOUNTING DEVELOPMENTS

RECENT ACCOUNTING DEVELOPMENTS	9 Months Ended
	Sep. 30, 2023
Accounting Changes and Error Corrections [Abstract]
RECENT ACCOUNTING DEVELOPMENTS	NOTE 16 RECENT ACCOUNTING DEVELOPMENTS The following is a summary of recent authoritative announcements: In June 2022, the FASB issued ASU 2022-03, “Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions”. ASU 2022-03 clarifies that a contractual restriction on the sale of an equity security is not considered part of the unit of account of the equity security and, therefore, is not considered in measuring fair value. The ASU is effective for fiscal years, including interim periods within those fiscal years, beginning after December 15, 2023. Early adoption is permitted. The Company does not expect the adoption of ASU 2022-03 to have a material impact on its consolidated financial statements. In December 2022, the FASB issued ASU 2022-06, “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848”. ASU 2022-06 extends the period of time preparers can utilize the reference rate reform relief guidance in Topic 848. The objective of the guidance in Topic 848 is to provide relief during the temporary transition period, so the FASB included a sunset provision within Topic 848 based on expectations of when the London Interbank Offered Rate (LIBOR) would cease being published. In 2021, the UK Financial Conduct Authority (FCA) delayed the intended cessation date of certain tenors of USD LIBOR to June 30, 2023. To ensure the relief in Topic 848 covers the period of time during which a significant number of modifications may take place, the ASU defers the sunset date of Topic 848 from December 31, 2022, to December 31, 2024, after which entities will no longer be permitted to apply the relief in Topic 848. The ASU is effective for all entities upon issuance. The Company completed its transition away from LIBOR for its loan and other financial instruments that have not already been transitioned to an alternative reference rate. This transition had no material impact on earnings or capital. In July 2023, the Financial Accounting Standards Board (FASB) issued ASU 2023-03, “Presentation of Financial Statements (Topic 205), Income Statement—Reporting Comprehensive Income (Topic 220), Distinguishing Liabilities from Equity (Topic 480), Equity (Topic 505), and Compensation—Stock Compensation (Topic 718)”. This ASU amends the FASB Accounting Standards Codification for SEC paragraphs pursuant to SEC Staff Accounting Bulletin No. 120, SEC Staff Announcement at the March 24, 2022 EITF Meeting, and Staff Accounting Bulletin Topic 6.B, Accounting Series Release 280—General Revision of Regulation S-X: Income or Loss Applicable to Common Stock. ASU 2023-03 is effective upon addition to the FASB Codification. The Company does not expect the adoption of ASU 2023-03 to have a material impact on its consolidated financial statements. In October 2023, the Financial Accounting Standards Board (FASB) issued ASU 2023-06, “Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative”. This ASU incorporates certain U.S. Securities and Exchange Commission (SEC) disclosure requirements into the FASB Accounting Standards Codification. The amendments in the ASU are expected to clarify or improve disclosure and presentation requirements of a variety of Codification Topics, allow users to more easily compare entities subject to the SEC’s existing disclosures with those entities that were not previously subject to the requirements, and align the requirements in the Codification with the SEC’s regulations. For entities subject to the SEC’s existing disclosure requirements and for entities required to file or furnish financial statements with or to the SEC in preparation for the sale of or for purposes of issuing securities that are not subject to contractual restrictions on transfer, the effective date for each amendment will be the date on which the SEC removes that related disclosure from its rules. For all other entities, the amendments will be effective two years later. However, if by June 30, 2027, the SEC has not removed the related disclosure from its regulations, the amendments will be removed from the Codification and not become effective for any entity. The Company does not expect the adoption of ASU 2023-06 to have a material impact on its consolidated financial statements. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	9 Months Ended
	Sep. 30, 2023
Accounting Policies [Abstract]
Schedule of allowance for credit losses on available for sale securities	Schedule of allowance for credit losses on available for sale securities January 1, 2023 December 31, 2022 Pre-ASC 326 Adoption Impact of ASC 326 Adoption (Dollars in thousands) Assets: Loans, at amortized cost $ 584,613 $ 584,613 $ — Allowance for credit losses on loans: Real estate secured: Commercial 2,065 2,364 (299 ) Construction and land development 509 345 164 Residential 1-4 family 2,639 2,364 275 Multifamily 274 262 12 Farmland 228 153 75 Total real estate loans 5,715 5,488 227 Commercial 622 381 241 Agriculture 27 32 (5 ) Consumer and other loans 283 386 (103 ) Unallocated — 440 (440 ) Total allowance for credit losses for loans 6,647 6,727 (80 ) Deferred tax asset 4,679 4,623 56 Liabilities: Allowance for credit losses for unfunded commitments 348 — 348

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2023
Earnings per share
Schedule of basic and diluted net loss per common share calculations	Schedule of basic and diluted net loss per common share calculations (Dollars in thousands, except For the three months For the nine months 2023 2022 2023 2022 Net income $ 1,890 $ 1,986 $ 5,635 $ 5,830 Weighted average shares outstanding 23,793,170 23,893,224 23,817,236 23,910,287 Weighted average dilutive shares outstanding 23,793,170 23,893,224 23,817,236 23,910,287 Basic and diluted earnings per share $ 0.08 $ 0.08 $ 0.24 $ 0.24

CAPITAL (Tables)

CAPITAL (Tables)	9 Months Ended
	Sep. 30, 2023
Schedule of capital requirements	Schedule of capital requirements Actual Minimum Capital Requirement Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio September 30, 2023: Total capital to risk weighted assets 97,384 16.46 % $ 47,342 8.00 % $ 59,178 10.00 % Tier 1 capital to risk weighted assets 90,201 15.24 % 35,507 6.00 % 47,342 8.00 % Tier 1 capital to average assets 90,201 11.06 % 32,625 4.00 % 40,781 5.00 % Common equity Tier 1 capital to risk weighted assets 90,201 15.24 % 26,630 4.50 % 38,465 6.50 % December 31, 2022: Total capital to risk weighted assets 93,028 16.50 % $ 45,106 8.00 % $ 56,382 10.00 % Tier 1 capital to risk weighted assets 86,301 15.31 % 33,829 6.00 % 45,106 8.00 % Tier 1 capital to average assets 86,301 10.40 % 33,206 4.00 % 41,508 5.00 % Common equity Tier 1 capital to risk weighted assets 86,301 15.31 % 25,372 4.50 % 36,648 6.50 %

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2023
Investment securities activity
Schedule of securities amortized cost and estimated fair value	Schedule of securities amortized cost and estimated fair value Gross Gross Approximate Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value September 30, 2023 U.S. Treasuries $ 11,649 $ — $ 919 $ 10,730 U.S. Government Agencies 9,619 3 843 8,779 Taxable municipals 22,989 — 6,259 16,730 Corporate bonds 3,003 — 390 2,613 Mortgage backed securities 59,238 — 10,638 48,600 Total securities available-for-sale $ 106,498 $ 3 $ 19,049 $ 87,452 December 31, 2022 U.S. Treasuries $ 12,642 $ — $ 957 $ 11,685 U.S. Government Agencies 10,129 4 734 9,399 Taxable municipals 23,022 — 6,207 16,815 Corporate bonds 3,512 — 376 3,136 Mortgage backed securities 64,419 — 9,378 55,041 Total securities available-for-sale $ 113,724 $ 4 $ 17,652 $ 96,076
Schedule of fair value and gross unrealized losses on investment securities	Schedule of fair value and gross unrealized losses on investment securities Less than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Unrealized Fair Unrealized Fair Unrealized September 30, 2023 U. S. Treasuries $ — $ — $ 10,730 $ 919 $ 10,730 $ 919 U.S. Government Agencies — — 8,081 843 8,081 843 Taxable municipals 464 36 16,266 6,223 16,730 6,259 Corporate bonds 481 19 2,132 371 2,613 390 Mortgage backed securities 50 1 48,550 10,637 48,600 10,638 Total securities available-for-sale $ 995 $ 56 $ 85,759 $ 18,993 $ 86,754 $ 19,049 December 31, 2022 U.S. Treasuries $ 4,761 $ 145 $ 6,922 $ 812 $ 11,683 $ 957 U.S. Government Agencies 5,925 348 3,295 386 9,220 734 Taxable municipals 3,689 1,113 13,127 5,094 16,816 6,207 Corporate bonds 2,375 136 761 240 3,136 376 Mortgage backed securities 11,338 861 43,612 8,517 54,950 9,378 Total securities available-for-sale $ 28,088 $ 2,603 $ 67,717 $ 15,049 $ 95,805 $ 17,652
Schedule of amortized cost and fair value of investment securities contractual maturity	Schedule of amortized cost and fair value of investment securities contractual maturity Weighted (Dollars in thousands) Amortized Fair Average Securities Available-for-Sale Cost Value Yield Due in one year or less $ 2,003 $ 1,966 2.33 % Due after one year through five years 14,691 13,714 2.11 % Due after five years through ten years 17,932 15,239 2.17 % Due after ten years 71,872 56,533 1.90 % Total $ 106,498 $ 87,452 1.99 %

LOANS (Tables)

LOANS (Tables)	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
Schedule of Loans receivable outstanding	Schedule of Loans receivable outstanding (Dollars in thousands) September 30, December 31, 2022 Real estate secured: Commercial $ 222,119 $ 197,069 Construction and land development 42,278 42,470 Residential 1-4 family 235,584 227,232 Multifamily 34,072 29,710 Farmland 17,599 17,744 Total real estate loans 551,652 514,225 Commercial 48,943 46,697 Agriculture 3,180 3,756 Consumer installment loans 21,871 19,309 All other loans 557 626 Total loans $ 626,203 $ 584,613
Summary of loans receivable on nonaccrual status	Summary of loans receivable on nonaccrual status CECL Incurred Loss September 30, 2023 December 31, 2022 (Dollars in thousands) With No Allowance With an Allowance Total Real estate secured: Commercial $ - $ 268 $ 268 $ - Construction and land development - - - 471 Residential 1-4 family 2,342 - 2,342 2,597 Multifamily 199 - 199 268 Farmland - - - 41 Total real estate loans 2,541 268 2,809 3,377 Commercial - - - - Consumer installment loans and other loans 3 - 3 36 Total loans receivable on nonaccrual status $ 2,544 $ 268 $ 2,812 $ 3,413
Schedule of summary of impaired loans	Schedule of summary of impaired loans As of December 31, 2022 (Dollars in thousands) Recorded Unpaid Principal Balance Related Average With no related allowance recorded: Real estate secured: Commercial $ 90 $ 131 $ — $ 124 Construction and land development 471 491 — 114 Residential 1-4 family 1,617 1,972 — 1,585 Multifamily — — — — Farmland 248 417 — 307 Commercial 23 31 — 14 Agriculture — — — — Consumer installment loans — — — 1 All other loans — — — — With an allowance recorded: Real estate secured: Commercial 268 338 63 407 Construction and land development — — — 291 Residential 1-4 family 32 48 23 201 Multifamily — — — 20 Farmland — — — 63 Commercial — — — 27 Agriculture — — — — Consumer installment loans — — — — All other loans — — — — Total $ 2,749 $ 3,428 $ 86 $ 3,154 Upon adoption of ASU 2016-13 the Company began evaluating loans that do not share risk characteristics on an individual basis utilizing the collateral or discounted cash flow methods as described in Note 2 Summary of Significant Accounting Policies. The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related ACL allocated to those loans as September 30, 2023: As of September 30, 2023 (Dollars in thousands) Unpaid Principal Balance Related Real estate secured: Commercial $ 268 $ 64 Construction and land development — — Residential 1-4 family — — Multifamily — — Farmland — — Total real estate secured 268 64 Commercial — — Agriculture 77 51 Consumer installment loans — — Total $ 345 $ 115
Summary age analysis of past due loans receivable	Summary age analysis of past due loans receivable September 30, 2023 (Dollars in thousands) Loans Loans Loans Total Current Total Real estate secured: Commercial $ 306 $ — $ 268 $ 574 $ 221,545 $ 222,119 Construction and land 5 — — 5 42,273 42,278 Residential 1-4 family 1,769 624 556 2,949 232,635 235,584 Multifamily — — 199 199 33,873 34,072 Farmland 345 — — 345 17,254 17,599 Total real estate loans 2,425 624 1,023 4,072 547,580 551,652 Commercial 157 — — 157 48,786 48,943 Agriculture 124 — — 124 3,056 3,180 Consumer installment 92 7 2 101 21,770 21,871 All other loans — — — — 557 557 Total loans $ 2,798 $ 631 $ 1,025 $ 4,454 $ 621,749 $ 626,203 The following table is an age analysis of past due loans receivable as of December 31, 2022, segregated by class: December 31, 2022 (Dollars in thousands) Loans Loans Loans Total Current Total Real estate secured: Commercial $ 268 $ — $ — $ 268 $ 196,801 $ 197,069 Construction and land 89 — — 89 42,381 42,470 Residential 1-4 family 3,521 543 341 4,405 222,827 227,232 Multifamily 229 — — 229 29,481 29,710 Farmland 285 — — 285 17,459 17,744 Total real estate loans 4,392 543 341 5,276 508,949 514,225 Commercial 56 — — 56 46,641 46,697 Agriculture — — — — 3,756 3,756 Consumer installment 73 17 17 107 19,202 19,309 All other loans 59 — — 59 567 626 Total loans $ 4,580 $ 560 $ 358 $ 5,498 $ 579,115 $ 584,613
Summary of risk category of loans receivable	Summary of risk category of loans receivable As of September 30, 2023 (Dollars are in thousands) 2023 2022 2021 2020 2019 Prior Revolving Total Commercial real estate Pass $ 31,740 $ 46,199 $ 45,916 $ 30,444 $ 21,379 $ 45,068 $ 1,008 $ 221,754 Special mention — — — — — 96 — 96 Substandard — — — — — 269 — 269 Total commercial real estate $ 31,740 $ 46,199 $ 45,916 $ 30,444 $ 21,379 $ 45,433 $ 1,008 $ 222,119 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Construction and Land Development Pass $ 9,626 $ 14,121 $ 10,137 $ 4,535 $ 1,853 $ 1,839 $ 61 $ 42,172 Special mention — — — — — 106 — 106 Substandard — — — — — — — — Total construction and land development $ 9,626 $ 14,121 $ 10,137 $ 4,535 $ 1,853 $ 1,945 $ 61 $ 42,278 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Residential 1-4 family Pass $ 21,278 $ 35,304 $ 42,333 $ 13,941 $ 14,261 $ 84,352 $ 21,598 $ 233,067 Special mention — — — — — 171 — 171 Substandard 87 — 104 — 39 2,086 30 2,346 Total residential 1-4 family $ 21,365 $ 35,304 $ 42,437 $ 13,941 $ 14,300 $ 86,609 $ 21,628 $ 235,584 Current period gross charge-offs $ — $ — $ — $ — $ — $ (6 ) $ — $ (6 ) Multifamily Pass $ 4,815 $ 11,699 $ 8,053 $ 2,657 $ 1,093 $ 5,556 $ — $ 33,873 Special mention — — — — — — — — Substandard — — — — — 199 — 199 Total multifamily $ 4,815 $ 11,699 $ 8,053 $ 2,657 $ 1,093 $ 5,755 $ — $ 34,072 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Farmland Pass $ 1,770 $ 2,236 $ 3,444 $ 797 $ 1,218 $ 7,944 $ — $ 17,409 Special mention — — — — 1 189 — 190 Substandard — — — — — — — — Total farmland $ 1,770 $ 2,236 $ 3,444 $ 797 $ 1,219 $ 8,133 $ — $ 17,599 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Pass $ 13,321 $ 11,212 $ 6,173 $ 1,746 $ 2,285 $ 3,256 $ 10,947 $ 48,940 Special mention — — — — — 3 — 3 Substandard — — — — — — — — Total commercial $ 13,321 $ 11,212 $ 6,173 $ 1,746 $ 2,285 $ 3,259 $ 10,947 $ 48,943 Current period gross charge-offs $ — $ (5 ) $ — $ — $ — $ — $ — $ (5 ) Agriculture Pass $ 491 $ 562 $ 475 $ 148 $ 94 $ 648 $ 762 $ 3,180 Special mention — — — — — — — — Substandard — — — — — — — — Total agriculture $ 491 $ 562 $ 475 $ 148 $ 94 $ 648 $ 762 $ 3,180 Current period gross charge-offs $ — $ — $ — $ — $ — $ (59 ) $ — $ (59 ) Consumer and All Other Pass $ 9,076 $ 5,708 $ 2,815 $ 1,081 $ 721 $ 1,251 $ 1,774 $ 22,426 Special mention — 1 — — — — — 1 Substandard — — 1 — — — — 1 Total consumer and all other $ 9,076 $ 5,709 $ 2,816 $ 1,081 $ 721 $ 1,251 $ 1,774 $ 22,428 Current period gross charge-offs $ (140 ) $ (47 ) $ (11 ) $ — $ — $ (46 ) $ — $ (244 ) Total $ 92,204 $ 127,042 $ 119,451 $ 55,349 $ 42,944 $ 153,033 $ 36,180 $ 626,203 Total current period gross charge-offs $ (140 ) $ (52 ) $ (11 ) $ — $ — $ (111 ) $ — $ (314 ) The following table presents the credit risk grade of loans as of December 31, 2022, prior to the adoption of ASU 2016-13, under the incurred loss model: As of December 31, 2022 (Dollars in thousands) Pass Special Substandard Doubtful Total Real estate secured: Commercial $ 195,376 $ 1,425 $ 268 $ — $ 197,069 Construction and land development 41,882 117 471 — 42,470 Residential 1-4 family 224,228 406 2,598 — 227,232 Multifamily 29,503 207 — — 29,710 Farmland 16,848 855 41 — 17,744 Total real estate loans 507,837 3,010 3,378 — 514,225 Commercial 46,471 226 — — 46,697 Agriculture 3,756 — — — 3,756 Consumer installment loans 19,272 2 35 — 19,309 All other loans 626 — — — 626 Total $ 577,962 $ 3,238 $ 3,413 $ — $ 584,613

ALLOWANCE FOR CREDIT LOSSES F_2

ALLOWANCE FOR CREDIT LOSSES FOR LOANS (“ACLL”) (Tables)	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
Schedule of allocation of portion of allowance	Schedule of allocation of portion of allowance Real estate secured (Dollars are in thousands) Commercial Construction and Land Development Residential 1-4 family Multifamily Farmland Commercial Agriculture Consumer and All Other Unallocated Total Nine months ended September 30, 2023 Beginning balance $ 2,364 $ 345 $ 2,364 $ 262 $ 153 $ 381 $ 32 $ 386 $ 440 $ 6,727 Adjustment to allowance for adoption of ASU 2016-13 (299 ) 164 275 12 75 241 (5 ) (103 ) (440 ) (80 ) Charge-offs — — (6 ) — — (5 ) (59 ) (244 ) — (314 ) Recoveries — 31 26 — — 8 — 133 — 198 Provision for credit losses 332 (107 ) (46 ) 54 (46 ) (34 ) 60 164 — 377 Ending balance $ 2,397 $ 433 $ 2,613 $ 328 $ 182 $ 591 $ 28 $ 336 $ — $ 6,908 Three months ended September 30, 2023 Beginning balance $ 2,277 $ 498 $ 2,583 $ 290 $ 192 $ 576 $ 85 $ 313 $ — $ 6,814 Charge-offs — — (6 ) — — — (59 ) (71 ) — (136 ) Recoveries — 15 11 — — 7 — 36 — 69 Provision for credit losses 120 (80 ) 25 38 (10 ) 8 2 58 — 161 Ending balance $ 2,397 $ 433 $ 2,613 $ 328 $ 182 $ 591 $ 28 $ 336 $ — $ 6,908 The following tables present a disaggregated analysis of activity in the allowance for loan losses, for comparative periods, prior to the adoption of ASU 2016-13: Real estate secured (Dollars are in thousands) Commercial Construction and Land Development Residential 1-4 family Multifamily Farmland Commercial Agriculture Consumer and All Other Unallocated Total Year ended December 31, 2022 Beginning balance $ 2,134 $ 189 $ 2,237 $ 254 $ 149 $ 1,099 $ 28 $ 108 $ 537 $ 6,735 Charge-offs (5 ) (149 ) (64 ) (111 ) (1 ) (45 ) (1 ) (559 ) — (935 ) Recoveries 33 6 100 2 14 31 1 115 — 302 Provision 202 299 91 117 (9 ) (704 ) 4 722 (97 ) 625 Ending balance $ 2,364 $ 345 $ 2,364 $ 262 $ 153 $ 381 $ 32 $ 386 $ 440 $ 6,727 Allowance for loan losses at December 31, 2022 Individually evaluated for impairment $ 63 $ — $ 23 $ — $ — $ — $ — $ — $ — $ 86 Collectively evaluated for impairment 2,301 345 2,341 262 153 381 32 386 440 6,641 $ 2,364 $ 345 $ 2,364 $ 262 $ 153 $ 381 $ 32 $ 386 $ 440 $ 6,727 Loans at December 31, 2022 Individually evaluated for impairment $ 358 $ 471 $ 1,649 $ — $ 248 $ 23 $ — $ — $ — $ 2,749 Collectively evaluated for impairment 196,711 41,999 225,583 29,710 17,496 46,965 3,756 19,644 — 581,864 $ 197,069 $ 42,470 $ 227,232 $ 29,710 $ 17,744 $ 46,988 $ 3,756 $ 19,644 $ — $ 584,613 Real estate secured (Dollars are in thousands) Commercial Construction and Land Development Residential 1-4 family Multifamily Farmland Commercial Agriculture Consumer and All Other Unallocated Total Nine months ended September 30, 2022 Beginning balance $ 2,134 $ 189 $ 2,237 $ 254 $ 149 $ 1,099 $ 28 $ 108 $ 537 $ 6,735 Charge-offs (5 ) (149 ) (52 ) (111 ) (2 ) (29 ) — (454 ) — (802 ) Recoveries 33 3 87 2 14 29 — 92 — 260 Provision 42 394 (107 ) 97 (24 ) (429 ) 1 565 (139 ) 400 Ending balance $ 2,204 $ 437 $ 2,165 $ 242 $ 137 $ 670 $ 29 $ 311 $ 398 $ 6,593 Three months ended September 30, 2022 Beginning balance $ 2,162 $ 450 $ 2,239 $ 408 $ 141 $ 853 $ 29 $ 170 $ 364 $ 6,816 Charge-offs (5 ) (149 ) (28 ) (50 ) (2 ) (1 ) — (409 ) — (644 ) Recoveries 33 3 65 2 14 15 — 64 — 196 Provision 14 133 (111 ) (118 ) (16 ) (197 ) — 486 34 225 Ending balance $ 2,204 $ 437 $ 2,165 $ 242 $ 137 $ 670 $ 29 $ 311 $ 398 $ 6,593 Allowance for loan losses as of June 30, 2022 Individually evaluated for impairment $ 69 $ 174 $ 26 $ — $ — $ — $ — $ — $ — $ 269 Collectively evaluated for impairment 2,135 263 2,139 242 137 670 29 311 398 6,324 $ 2,204 $ 437 $ 2,165 $ 242 $ 137 $ 670 $ 29 $ 311 $ 398 $ 6,593 Loans as of September 30, 2022 Individually evaluated for impairment $ 383 $ 716 $ 1,696 $ — $ 268 $ 24 $ — $ — $ — $ 3,087 Collectively evaluated for impairment 197,718 37,882 225,010 29,062 17,199 45,102 3,799 21,015 — 576,787 $ 198,101 $ 38,598 $ 226,706 $ 29,062 $ 17,467 $ 45,126 $ 3,799 $ 21,015 $ — $ 579,874

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	9 Months Ended
	Sep. 30, 2023
Real Estate [Abstract]
Schedule of other real estate owned	Schedule of other real estate owned (Dollars in thousands) September 30, December 31, 2022 Balance, beginning of period $ 261 $ 1,361 Additions — — Transfers from premises and equipment — — Proceeds from sales — (207 ) Proceeds from insurance claims — — Loans made to finance sales — (711 ) Adjustment of carrying value — (197 ) Net gains from sales — 15 Balance, end of period $ 261 $ 261

FAIR VALUES (Tables)

FAIR VALUES (Tables)	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Schedule of summary of assets and liabilities measured at fair value	Schedule of summary of assets and liabilities measured at fair value September 30, 2023 (Dollars in thousands) Quoted market price in active markets Significant other observable inputs Significant unobservable inputs (On a recurring basis) U.S. Treasuries $ — $ 10,730 $ — U.S. Government Agencies — 8,779 — Taxable municipals — 16,730 — Corporate bonds — 2,613 — Mortgage-backed securities — 48,600 — (On a non-recurring basis) — — 261 Collateral dependent loans with ACL: Commercial real estate — — 205 Agriculture 26 Total $ — $ 87,452 $ 492 Assets and liabilities measured at fair value are as follows as of December 31, 2022 (for purpose of this table, the impaired loans are shown net of the related allowance): December 31, 2022 (Dollars in thousands) Quoted market price in active markets Significant other observable inputs Significant unobservable inputs (On a recurring basis) U.S. Treasuries $ — $ 11,685 — U.S. Government Agencies — 9,399 $ — Taxable municipals — 16,815 — Corporate bonds — 3,136 — Mortgage-backed securities — 55,041 — (On a non-recurring basis) — — 261 Impaired loans — — 213 Total $ — $ 96,076 $ 474
Schedule of significant unobservable inputs In level 3 assets	Schedule of significant unobservable inputs In level 3 assets (Dollars in thousands) Fair Value at September 30, 2023 Fair Value at December 31, 2022 Valuation Technique Significant Unobservable Inputs General Range of Significant Unobservable Input Values Collateral dependent loans with ACL: Appraised Value Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell 0 18% Commercial real estate $ 205 $ 213 Agriculture 26 - Other Real Estate Owned $ 261 $ 261 Appraised Value/Comparable Sales/Other Estimates from Independent Sources Discounts to reflect current market conditions and estimated costs to sell 0 18%
Schedule of estimated fair value of financial instruments	Schedule of estimated fair value of financial instruments Fair Value Measurements (Dollars in thousands) Carrying Fair Quoted market price in active markets Significant other observable inputs Significant unobservable inputs September 30, 2023 Financial instruments – assets Net loans $ 619,295 $ 590,220 $ — $ — $ 590,220 Financial instruments – liabilities Time deposits 224,841 221,937 — 221,937 — Borrowed funds 26,496 24,102 — 24,102 — December 31, 2022 Financial instruments – assets Net loans $ 577,886 $ 552,675 $ — $ 552,462 $ 213 Financial instruments – liabilities Time deposits 188,233 187,179 — 187,179 — Borrowed funds 16,496 14,825 — 14,825 —

LEASING ACTIVITIES (Tables)

LEASING ACTIVITIES (Tables)	9 Months Ended
	Sep. 30, 2023
Leasing Activities
Schedule of future minimum rental commitments under the non-cancellable operating leases	Schedule of future minimum rental commitments under the non-cancellable operating leases 2023 $ 114 2024 456 2025 456 2026 456 2027 477 Thereafter 2,226 Total lease payments 4,185 Less: imputed interest (713) Total $ 3,472

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	9 Months Ended
	Sep. 30, 2023
Revenue from Contract with Customer [Abstract]
Schedule of revenue from contracts with customers	Schedule of revenue from contracts with customers For the three months ended For the nine months ended September 30, September 30, (Dollars in thousands) 2023 2022 2023 2022 Service charges and fees $ 1,020 $ 1,069 $ 2,896 $ 2,973 Card processing and interchange income 942 915 2,784 2,858 Insurance and investment fees 268 167 830 650 Other noninterest income 206 38 727 425 Total noninterest income $ 2,436 $ 2,189 $ 7,237 $ 6,906

NONINTEREST EXPENSES (Tables)

NONINTEREST EXPENSES (Tables)	9 Months Ended
	Sep. 30, 2023
Noninterest Expenses
Schedule of noninterest expenses	Schedule of noninterest expenses For the three months ended September 30, For the nine months ended September 30, (Dollars in thousands) 2023 2022 2023 2022 Other operating expenses $ 726 $ 663 $ 2,265 $ 2,003 ATM network expense 386 355 1,116 1,102 Legal, accounting, and professional fees 305 233 964 695 Loan related expenses 187 65 403 265 FDIC insurance premiums 89 56 265 159 Consulting fees 44 98 176 227 Advertising 43 55 150 119 Printing and supplies 38 35 127 107 Other real estate owned expenses, net 7 (35 ) 23 110 Total other operating expenses $ 1,825 $ 1,525 $ 5,489 $ 4,787

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jan. 02, 2023	Dec. 31, 2022
Real Estate Properties [Line Items]
Total allowance for credit losses for loans	$ 6,908		$ 6,727
Deferred taxes, net	$ 4,973		4,623
As Reported Under A S C 326 [Member]
Real Estate Properties [Line Items]
Loans, at amortized cost		$ 584,613
Total allowance for credit losses for loans		6,647
Deferred taxes, net		4,679
Allowance for credit losses for unfunded commitments		348
As Reported Under A S C 326 [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans		5,715
As Reported Under A S C 326 [Member] | Commercial [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans		622
As Reported Under A S C 326 [Member] | Agriculture [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans		27
As Reported Under A S C 326 [Member] | Consumer Loan [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans		283
As Reported Under A S C 326 [Member] | Unallocated [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans
As Reported Under A S C 326 [Member] | Commercial Borrower [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans		2,065
As Reported Under A S C 326 [Member] | Real Estate Investment [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans		509
As Reported Under A S C 326 [Member] | Residential Real Estate [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans		2,639
As Reported Under A S C 326 [Member] | Multifamily [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans		274
As Reported Under A S C 326 [Member] | Farmland [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans		$ 228
Pre A S C 326 Adoption [Member]
Real Estate Properties [Line Items]
Loans, at amortized cost			584,613
Total allowance for credit losses for loans			6,727
Deferred taxes, net			4,623
Allowance for credit losses for unfunded commitments
Pre A S C 326 Adoption [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			5,488
Pre A S C 326 Adoption [Member] | Commercial [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			381
Pre A S C 326 Adoption [Member] | Agriculture [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			32
Pre A S C 326 Adoption [Member] | Consumer Loan [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			386
Pre A S C 326 Adoption [Member] | Unallocated [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			440
Pre A S C 326 Adoption [Member] | Commercial Borrower [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			2,364
Pre A S C 326 Adoption [Member] | Real Estate Investment [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			345
Pre A S C 326 Adoption [Member] | Residential Real Estate [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			2,364
Pre A S C 326 Adoption [Member] | Multifamily [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			262
Pre A S C 326 Adoption [Member] | Farmland [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			153
Impact Of A S C 326 Adoption [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			(80)
Deferred taxes, net			56
Allowance for credit losses for unfunded commitments			348
Impact Of A S C 326 Adoption [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			227
Impact Of A S C 326 Adoption [Member] | Commercial [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			241
Impact Of A S C 326 Adoption [Member] | Agriculture [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			(5)
Impact Of A S C 326 Adoption [Member] | Consumer Loan [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			(103)
Impact Of A S C 326 Adoption [Member] | Unallocated [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			(440)
Impact Of A S C 326 Adoption [Member] | Commercial Borrower [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			(299)
Impact Of A S C 326 Adoption [Member] | Real Estate Investment [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			164
Impact Of A S C 326 Adoption [Member] | Residential Real Estate [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			275
Impact Of A S C 326 Adoption [Member] | Multifamily [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			12
Impact Of A S C 326 Adoption [Member] | Farmland [Member] | Real Estate [Member]
Real Estate Properties [Line Items]
Total allowance for credit losses for loans			$ 75

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Earnings per share
Net income	$ 1,890	$ 1,986	$ 5,635	$ 5,830
Weighted average shares outstanding	23,793,170	23,893,224	23,817,236	23,910,287
Weighted average dilutive shares outstanding	23,793,170	23,893,224	23,817,236	23,910,287
Basic earnings per share	$ 0.08	$ 0.08	$ 0.24	$ 0.24
Diluted earnings per share	$ 0.08	$ 0.08	$ 0.24	$ 0.24

CAPITAL (Details)

CAPITAL (Details) - Bank $ in Thousands	Sep. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Total Capital to Risk Weighted Assets, Actual, Amount	$ 97,384	$ 93,028
Total Capital to Risk Weighted Assets, Actual, Ratio	0.1646	0.1650
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount	$ 47,342	$ 45,106
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio	0.0800	0.0800
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 59,178	$ 56,382
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.1000	0.1000
Tier 1 Capital Risk Weighted Assets, Actual, Amount	$ 90,201	$ 86,301
Tier 1 Capital Risk Weighted Assets, Actual, Ratio	0.1524	0.1531
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount	$ 35,507	$ 33,829
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio	0.0600	0.0600
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 47,342	$ 45,106
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.0800	0.0800
Tier 1 Capital to Average Assets, Actual, Amount	$ 90,201	$ 86,301
Tier 1 Capital to Average Assets, Actual, Ratio	0.1106	0.1040
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount	$ 32,625	$ 33,206
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio	0.0400	0.0400
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 40,781	$ 41,508
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.0500	0.0500
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Amount	$ 90,201	$ 86,301
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Ratio	0.1524	0.1531
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount	$ 26,630	$ 25,372
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio	0.0450	0.0450
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 38,465	$ 36,648
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.0650	0.0650

CAPITAL (Details Narrative)

CAPITAL (Details Narrative)	Sep. 30, 2023
Capital conservation buffer	2.50%

INVESTMENT SECURITIES (Details)

INVESTMENT SECURITIES (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Marketable Securities [Line Items]
Amortized Cost	$ 106,498	$ 113,724
Gross Unrealized Gains	3	4
Gross Unrealized Losses	19,049	17,652
Approximate Fair Value	87,452	96,076
US Treasury Securities [Member]
Marketable Securities [Line Items]
Amortized Cost	11,649	12,642
Gross Unrealized Gains
Gross Unrealized Losses	919	957
Approximate Fair Value	10,730	11,685
US Government Agencies Debt Securities [Member]
Marketable Securities [Line Items]
Amortized Cost	9,619	10,129
Gross Unrealized Gains	3	4
Gross Unrealized Losses	843	734
Approximate Fair Value	8,779	9,399
Taxable Municipal Notes [Member]
Marketable Securities [Line Items]
Amortized Cost	22,989	23,022
Gross Unrealized Gains
Gross Unrealized Losses	6,259	6,207
Approximate Fair Value	16,730	16,815
Corporate Debt Securities [Member]
Marketable Securities [Line Items]
Amortized Cost	3,003	3,512
Gross Unrealized Gains
Gross Unrealized Losses	390	376
Approximate Fair Value	2,613	3,136
Collateralized Mortgage-Backed Securities [Member]
Marketable Securities [Line Items]
Amortized Cost	59,238	64,419
Gross Unrealized Gains
Gross Unrealized Losses	10,638	9,378
Approximate Fair Value	$ 48,600	$ 55,041

INVESTMENT SECURITIES (Details

INVESTMENT SECURITIES (Details 1) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Marketable Securities [Line Items]
Fair Value, Less than 12 Months	$ 995	$ 28,088
Unrealized Losses, Less than 12 Months	56	2,603
Fair Value, 12 Months or More	85,759	67,717
Unrealized Losses, 12 Months or More	18,993	15,049
Fair Value, Total	86,754	95,805
Unrealized Losses, Total	19,049	17,652
US Treasury Securities [Member]
Marketable Securities [Line Items]
Fair Value, Less than 12 Months		4,761
Unrealized Losses, Less than 12 Months		145
Fair Value, 12 Months or More	10,730	6,922
Unrealized Losses, 12 Months or More	919	812
Fair Value, Total	10,730	11,683
Unrealized Losses, Total	919	957
US Government Agencies Debt Securities [Member]
Marketable Securities [Line Items]
Fair Value, Less than 12 Months		5,925
Unrealized Losses, Less than 12 Months		348
Fair Value, 12 Months or More	8,081	3,295
Unrealized Losses, 12 Months or More	843	386
Fair Value, Total	8,081	9,220
Unrealized Losses, Total	843	734
Taxable Municipal Notes [Member]
Marketable Securities [Line Items]
Fair Value, Less than 12 Months	464	3,689
Unrealized Losses, Less than 12 Months	36	1,113
Fair Value, 12 Months or More	16,266	13,127
Unrealized Losses, 12 Months or More	6,223	5,094
Fair Value, Total	16,730	16,816
Unrealized Losses, Total	6,259	6,207
Corporate Debt Securities [Member]
Marketable Securities [Line Items]
Fair Value, Less than 12 Months	481	2,375
Unrealized Losses, Less than 12 Months	19	136
Fair Value, 12 Months or More	2,132	761
Unrealized Losses, 12 Months or More	371	240
Fair Value, Total	2,613	3,136
Unrealized Losses, Total	390	376
Collateralized Mortgage-Backed Securities [Member]
Marketable Securities [Line Items]
Fair Value, Less than 12 Months	50	11,338
Unrealized Losses, Less than 12 Months	1	861
Fair Value, 12 Months or More	48,550	43,612
Unrealized Losses, 12 Months or More	10,637	8,517
Fair Value, Total	48,600	54,950
Unrealized Losses, Total	$ 10,638	$ 9,378

INVESTMENT SECURITIES (Detail_2

INVESTMENT SECURITIES (Details 2) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Investment securities activity
Due in one year or less, amortized Cost	$ 2,003
Due in one year or less, fair value	$ 1,966
Due in one year or less, weighted average yield	2.33%
Due after one year through five years, amortized cost	$ 14,691
Due after one year through five years, fair value	$ 13,714
Due after one year through five years, weighted average yield	2.11%
Due after five years through ten years, amortized cost	$ 17,932
Due after five years through ten years, fair value	$ 15,239
Due after five years through ten years, weighted average yield	2.17%
Due after ten years, amortized cost	$ 71,872
Due after ten years, fair value	$ 56,533
Due after ten years, weighted average yield	1.90%
Amortized cost, total	$ 106,498	$ 113,724
Approximate fair value	$ 87,452	$ 96,076
Weighted average yield, total	1.99%

INVESTMENT SECURITIES (Detail_3

INVESTMENT SECURITIES (Details Narrative) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Investment securities activity
Investment securities of carrying value	$ 35,300	$ 27,300
US Government Agencies Securities, at Carrying Value	$ 2,700	$ 2,100

LOANS (Details)

LOANS (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 626,203	$ 584,613
Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	551,652	514,225
Commercial Borrower [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases		46,697
Commercial Borrower [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	222,119	197,069
Real Estate Investment [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	42,278	42,470
Residential Real Estate [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	235,584	227,232
Multifamily [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	34,072	29,710
Farmland [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	17,599	17,744
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	48,943	46,697
Agriculture [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3,180	3,756
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	21,871	19,309
All Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	557	626
Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 626,203	$ 584,613

LOANS (Details 1)

LOANS (Details 1) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	$ 2,812	$ 3,413
With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	2,544
With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	268
Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	2,809	3,377
Real Estate [Member] | With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	2,541
Real Estate [Member] | With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	268
Commercial Borrower [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status
Commercial Borrower [Member] | With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status
Commercial Borrower [Member] | With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status
Commercial Borrower [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	268
Commercial Borrower [Member] | Real Estate [Member] | With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status
Commercial Borrower [Member] | Real Estate [Member] | With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	268
Real Estate Investment [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status		471
Real Estate Investment [Member] | Real Estate [Member] | With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status
Real Estate Investment [Member] | Real Estate [Member] | With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status
Residential Real Estate [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	2,342	2,597
Residential Real Estate [Member] | Real Estate [Member] | With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	2,342
Residential Real Estate [Member] | Real Estate [Member] | With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status
Multifamily [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	199	268
Multifamily [Member] | Real Estate [Member] | With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	199
Multifamily [Member] | Real Estate [Member] | With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status
Farmland [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status		41
Farmland [Member] | Real Estate [Member] | With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status
Farmland [Member] | Real Estate [Member] | With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	3	$ 36
Consumer Loan [Member] | With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status	3
Consumer Loan [Member] | With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable on nonaccrual status

LOANS (Details 2)

LOANS (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid Principal Balance		$ 345
Related Allowance		115
Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	$ 2,749
Unpaid Principal Balance	3,428
Related Allowance	86
Average Recorded Investment	3,154
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid Principal Balance
Related Allowance
Agriculture [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid Principal Balance		77
Related Allowance		51
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid Principal Balance
Related Allowance
Impaired Financing Receivables With No Related Allowance [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	23
Unpaid Principal Balance	31
Related Allowance
Average Recorded Investment	14
Impaired Financing Receivables With No Related Allowance [Member] | Agriculture [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Impaired Financing Receivables With No Related Allowance [Member] | Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment	1
Impaired Financing Receivables With No Related Allowance [Member] | All Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Impaired Financing Receivables With Related Allowance [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment	27
Impaired Financing Receivables With Related Allowance [Member] | Agriculture [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Impaired Financing Receivables With Related Allowance [Member] | Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Impaired Financing Receivables With Related Allowance [Member] | All Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid Principal Balance		268
Related Allowance		64
Commercial Real Estate [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid Principal Balance		268
Related Allowance		64
Commercial Real Estate [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	268
Unpaid Principal Balance	338
Related Allowance	63
Average Recorded Investment	407
Commercial Real Estate [Member] | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	90
Unpaid Principal Balance	131
Related Allowance
Average Recorded Investment	124
Real Estate Investment [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid Principal Balance
Related Allowance
Real Estate Investment [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment	291
Real Estate Investment [Member] | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	471
Unpaid Principal Balance	491
Related Allowance
Average Recorded Investment	114
Residential Real Estate [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid Principal Balance
Related Allowance
Residential Real Estate [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	32
Unpaid Principal Balance	48
Related Allowance	23
Average Recorded Investment	201
Residential Real Estate [Member] | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	1,617
Unpaid Principal Balance	1,972
Related Allowance
Average Recorded Investment	1,585
Multifamily [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid Principal Balance
Related Allowance
Multifamily [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment	20
Multifamily [Member] | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Farmland [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid Principal Balance
Related Allowance
Farmland [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment	63
Farmland [Member] | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	248
Unpaid Principal Balance	417
Related Allowance
Average Recorded Investment	$ 307

LOANS (Details 3)

LOANS (Details 3) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 626,203	$ 584,613
Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due	2,425	4,392
Loans 60-89 Days Past Due	624	543
Loans 90 or More Days Past Due	1,023	341
Total Past Due Loans	4,072	5,276
Current Loans	547,580	508,949
Total loans and leases	551,652	514,225
Commercial Borrower [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due		56
Loans 60-89 Days Past Due
Loans 90 or More Days Past Due
Total Past Due Loans		56
Current Loans		46,641
Total loans and leases		46,697
Commercial Borrower [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due	306	268
Loans 60-89 Days Past Due
Loans 90 or More Days Past Due	268
Total Past Due Loans	574	268
Current Loans	221,545	196,801
Total loans and leases	222,119	197,069
Real Estate Investment [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due	5	89
Loans 60-89 Days Past Due
Loans 90 or More Days Past Due
Total Past Due Loans	5	89
Current Loans	42,273	42,381
Total loans and leases	42,278	42,470
Residential Real Estate [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due	1,769	3,521
Loans 60-89 Days Past Due	624	543
Loans 90 or More Days Past Due	556	341
Total Past Due Loans	2,949	4,405
Current Loans	232,635	222,827
Total loans and leases	235,584	227,232
Multifamily [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due		229
Loans 60-89 Days Past Due
Loans 90 or More Days Past Due	199
Total Past Due Loans	199	229
Current Loans	33,873	29,481
Total loans and leases	34,072	29,710
Farmland [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due	345	285
Loans 60-89 Days Past Due
Loans 90 or More Days Past Due
Total Past Due Loans	345	285
Current Loans	17,254	17,459
Total loans and leases	17,599	17,744
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due	157
Loans 60-89 Days Past Due
Loans 90 or More Days Past Due
Total Past Due Loans	157
Current Loans	48,786
Total loans and leases	48,943	46,697
Agriculture [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due	124
Loans 60-89 Days Past Due
Loans 90 or More Days Past Due
Total Past Due Loans	124
Current Loans	3,056	3,756
Total loans and leases	3,180	3,756
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due	92	73
Loans 60-89 Days Past Due	7	17
Loans 90 or More Days Past Due	2	17
Total Past Due Loans	101	107
Current Loans	21,770	19,202
Total loans and leases	21,871	19,309
All Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due		59
Loans 60-89 Days Past Due
Loans 90 or More Days Past Due
Total Past Due Loans		59
Current Loans	557	567
Total loans and leases	557	626
Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans 30-59 Days Past Due	2,798	4,580
Loans 60-89 Days Past Due	631	560
Loans 90 or More Days Past Due	1,025	358
Total Past Due Loans	4,454	5,498
Current Loans	621,749	579,115
Total loans and leases	$ 626,203	$ 584,613

LOANS (Details 4)

LOANS (Details 4) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	$ 92,204		$ 127,042	$ 119,451	$ 55,349	$ 42,944
Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		$ 514,225
Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	153,033
Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	36,180
Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	626,203
Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		577,962
Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		3,238
Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		3,413
Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	(140)		(52)	(11)
Doubtful [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	(111)
Doubtful [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Doubtful [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	(314)
Real Estate [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		507,837
Real Estate [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		3,010
Real Estate [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		3,378
Real Estate [Member] | Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	13,321	46,697	11,212	6,173	1,746	2,285
Commercial Portfolio Segment [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	3,259
Commercial Portfolio Segment [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	10,947
Commercial Portfolio Segment [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	48,943
Commercial Portfolio Segment [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	13,321	46,471	11,212	6,173	1,746	2,285
Commercial Portfolio Segment [Member] | Pass [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	3,256
Commercial Portfolio Segment [Member] | Pass [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	10,947
Commercial Portfolio Segment [Member] | Pass [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	48,940
Commercial Portfolio Segment [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		226
Commercial Portfolio Segment [Member] | Special Mention [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	3
Commercial Portfolio Segment [Member] | Special Mention [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Special Mention [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	3
Commercial Portfolio Segment [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Substandard [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Substandard [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Substandard [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income			(5)
Commercial Portfolio Segment [Member] | Doubtful [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Doubtful [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Doubtful [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	(5)
Commercial Portfolio Segment [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	31,740	197,069	46,199	45,916	30,444	21,379
Commercial Portfolio Segment [Member] | Real Estate [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	45,433
Commercial Portfolio Segment [Member] | Real Estate [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,008
Commercial Portfolio Segment [Member] | Real Estate [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	222,119
Commercial Portfolio Segment [Member] | Real Estate [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	31,740	195,376	46,199	45,916	30,444	21,379
Commercial Portfolio Segment [Member] | Real Estate [Member] | Pass [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	45,068
Commercial Portfolio Segment [Member] | Real Estate [Member] | Pass [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,008
Commercial Portfolio Segment [Member] | Real Estate [Member] | Pass [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	221,754
Commercial Portfolio Segment [Member] | Real Estate [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		1,425
Commercial Portfolio Segment [Member] | Real Estate [Member] | Special Mention [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	96
Commercial Portfolio Segment [Member] | Real Estate [Member] | Special Mention [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Real Estate [Member] | Special Mention [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	96
Commercial Portfolio Segment [Member] | Real Estate [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		268
Commercial Portfolio Segment [Member] | Real Estate [Member] | Substandard [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	269
Commercial Portfolio Segment [Member] | Real Estate [Member] | Substandard [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Real Estate [Member] | Substandard [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	269
Commercial Portfolio Segment [Member] | Real Estate [Member] | Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Real Estate [Member] | Doubtful [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Real Estate [Member] | Doubtful [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Commercial Portfolio Segment [Member] | Real Estate [Member] | Doubtful [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Real Estate Investment [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		42,470
Real Estate Investment [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	9,626		14,121	10,137	4,535	1,853
Real Estate Investment [Member] | Real Estate [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,945
Real Estate Investment [Member] | Real Estate [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	61
Real Estate Investment [Member] | Real Estate [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	42,278
Real Estate Investment [Member] | Real Estate [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	9,626	41,882	14,121	10,137	4,535	1,853
Real Estate Investment [Member] | Real Estate [Member] | Pass [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,839
Real Estate Investment [Member] | Real Estate [Member] | Pass [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	61
Real Estate Investment [Member] | Real Estate [Member] | Pass [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	42,172
Real Estate Investment [Member] | Real Estate [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		117
Real Estate Investment [Member] | Real Estate [Member] | Special Mention [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	106
Real Estate Investment [Member] | Real Estate [Member] | Special Mention [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Real Estate Investment [Member] | Real Estate [Member] | Special Mention [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	106
Real Estate Investment [Member] | Real Estate [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		471
Real Estate Investment [Member] | Real Estate [Member] | Substandard [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Real Estate Investment [Member] | Real Estate [Member] | Substandard [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Real Estate Investment [Member] | Real Estate [Member] | Substandard [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Real Estate Investment [Member] | Real Estate [Member] | Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Real Estate Investment [Member] | Real Estate [Member] | Doubtful [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Real Estate Investment [Member] | Real Estate [Member] | Doubtful [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Real Estate Investment [Member] | Real Estate [Member] | Doubtful [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Residential Real Estate [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		227,232
Residential Real Estate [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	21,365		35,304	42,437	13,941	14,300
Residential Real Estate [Member] | Real Estate [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	86,609
Residential Real Estate [Member] | Real Estate [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	21,628
Residential Real Estate [Member] | Real Estate [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	235,584
Residential Real Estate [Member] | Real Estate [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	21,278	224,228	35,304	42,333	13,941	14,261
Residential Real Estate [Member] | Real Estate [Member] | Pass [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	84,352
Residential Real Estate [Member] | Real Estate [Member] | Pass [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	21,598
Residential Real Estate [Member] | Real Estate [Member] | Pass [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	233,067
Residential Real Estate [Member] | Real Estate [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		406
Residential Real Estate [Member] | Real Estate [Member] | Special Mention [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	171
Residential Real Estate [Member] | Real Estate [Member] | Special Mention [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Residential Real Estate [Member] | Real Estate [Member] | Special Mention [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	171
Residential Real Estate [Member] | Real Estate [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	87	2,598		104		39
Residential Real Estate [Member] | Real Estate [Member] | Substandard [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	2,086
Residential Real Estate [Member] | Real Estate [Member] | Substandard [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	30
Residential Real Estate [Member] | Real Estate [Member] | Substandard [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	2,346
Residential Real Estate [Member] | Real Estate [Member] | Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Residential Real Estate [Member] | Real Estate [Member] | Doubtful [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	(6)
Residential Real Estate [Member] | Real Estate [Member] | Doubtful [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Residential Real Estate [Member] | Real Estate [Member] | Doubtful [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	(6)
Multifamily [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		29,710
Multifamily [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	4,815		11,699	8,053	2,657	1,093
Multifamily [Member] | Real Estate [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	5,755
Multifamily [Member] | Real Estate [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Multifamily [Member] | Real Estate [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	34,072
Multifamily [Member] | Real Estate [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	4,815	29,503	11,699	8,053	2,657	1,093
Multifamily [Member] | Real Estate [Member] | Pass [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	5,556
Multifamily [Member] | Real Estate [Member] | Pass [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Multifamily [Member] | Real Estate [Member] | Pass [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	33,873
Multifamily [Member] | Real Estate [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		207
Multifamily [Member] | Real Estate [Member] | Special Mention [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Multifamily [Member] | Real Estate [Member] | Special Mention [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Multifamily [Member] | Real Estate [Member] | Special Mention [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Multifamily [Member] | Real Estate [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Multifamily [Member] | Real Estate [Member] | Substandard [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	199
Multifamily [Member] | Real Estate [Member] | Substandard [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Multifamily [Member] | Real Estate [Member] | Substandard [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	199
Multifamily [Member] | Real Estate [Member] | Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Multifamily [Member] | Real Estate [Member] | Doubtful [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Multifamily [Member] | Real Estate [Member] | Doubtful [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Multifamily [Member] | Real Estate [Member] | Doubtful [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Farmland [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		17,744
Farmland [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,770		2,236	3,444	797	1,219
Farmland [Member] | Real Estate [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	8,133
Farmland [Member] | Real Estate [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Farmland [Member] | Real Estate [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	17,599
Farmland [Member] | Real Estate [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,770	16,848	2,236	3,444	797	1,218
Farmland [Member] | Real Estate [Member] | Pass [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	7,944
Farmland [Member] | Real Estate [Member] | Pass [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Farmland [Member] | Real Estate [Member] | Pass [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	17,409
Farmland [Member] | Real Estate [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		855				1
Farmland [Member] | Real Estate [Member] | Special Mention [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	189
Farmland [Member] | Real Estate [Member] | Special Mention [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Farmland [Member] | Real Estate [Member] | Special Mention [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	190
Farmland [Member] | Real Estate [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		41
Farmland [Member] | Real Estate [Member] | Substandard [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Farmland [Member] | Real Estate [Member] | Substandard [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Farmland [Member] | Real Estate [Member] | Substandard [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Farmland [Member] | Real Estate [Member] | Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Farmland [Member] | Real Estate [Member] | Doubtful [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Farmland [Member] | Real Estate [Member] | Doubtful [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Farmland [Member] | Real Estate [Member] | Doubtful [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	491	3,756	562	475	148	94
Agriculture [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	648
Agriculture [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	762
Agriculture [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	3,180
Agriculture [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	491	3,756	562	475	148	94
Agriculture [Member] | Pass [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	648
Agriculture [Member] | Pass [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	762
Agriculture [Member] | Pass [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	3,180
Agriculture [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member] | Special Mention [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member] | Special Mention [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member] | Special Mention [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member] | Substandard [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member] | Substandard [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member] | Substandard [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member] | Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member] | Doubtful [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	(59)
Agriculture [Member] | Doubtful [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Agriculture [Member] | Doubtful [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	(59)
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	9,076	19,309	5,709	2,816	1,081	721
Consumer Loan [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,251
Consumer Loan [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,774
Consumer Loan [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	22,428
Consumer Loan [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	9,076	19,272	5,708	2,815	1,081	721
Consumer Loan [Member] | Pass [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,251
Consumer Loan [Member] | Pass [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,774
Consumer Loan [Member] | Pass [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	22,426
Consumer Loan [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		2	1
Consumer Loan [Member] | Special Mention [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Consumer Loan [Member] | Special Mention [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Consumer Loan [Member] | Special Mention [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1
Consumer Loan [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		35		1
Consumer Loan [Member] | Substandard [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Consumer Loan [Member] | Substandard [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Consumer Loan [Member] | Substandard [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1
Consumer Loan [Member] | Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	(140)		$ (47)	$ (11)
Consumer Loan [Member] | Doubtful [Member] | Prior [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	(46)
Consumer Loan [Member] | Doubtful [Member] | Revolving [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Consumer Loan [Member] | Doubtful [Member] | Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	$ (244)
All Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		626
All Other Loans [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		626
All Other Loans [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
All Other Loans [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
All Other Loans [Member] | Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income
Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income		$ 584,613

ALLOWANCE FOR CREDIT LOSSES F_3

ALLOWANCE FOR CREDIT LOSSES FOR LOANS ("ACLL") (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended	9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Jun. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	$ 2,277	$ 2,162	$ 2,134	$ 2,364	$ 2,134	$ 2,134
Adjustment to allowance for adoption of ASU 2016-13				(299)
Charge-offs		(5)			(5)	(5)
Recoveries		33			33	33
Provision	120	14		332	42	202
Ending balance	2,397	2,204	2,162	2,397	2,204	2,364
Individually evaluated for impairment						63
Collectively evaluated for impairment						2,301
Allowance for loan losses						2,364
Individually evaluated for impairment			69		383	358
Collectively evaluated for impairment			2,135		197,718	196,711
Loans			2,204		198,101	197,069
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	498	450	189	345	189	189
Adjustment to allowance for adoption of ASU 2016-13				164
Charge-offs		(149)			(149)	(149)
Recoveries	15	3		31	3	6
Provision	(80)	133		(107)	394	299
Ending balance	433	437	450	433	437	345
Individually evaluated for impairment
Collectively evaluated for impairment						345
Allowance for loan losses						345
Individually evaluated for impairment			174		716	471
Collectively evaluated for impairment			263		37,882	41,999
Loans			437		38,598	42,470
Residential One Four Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	2,583	2,239	2,237	2,364	2,237	2,237
Adjustment to allowance for adoption of ASU 2016-13				275
Charge-offs	(6)	(28)		(6)	(52)	(64)
Recoveries	11	65		26	87	100
Provision	25	(111)		(46)	(107)	91
Ending balance	2,613	2,165	2,239	2,613	2,165	2,364
Individually evaluated for impairment						23
Collectively evaluated for impairment						2,341
Allowance for loan losses						2,364
Individually evaluated for impairment			26		1,696	1,649
Collectively evaluated for impairment			2,139		225,010	225,583
Loans			2,165		226,706	227,232
Multifamily [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	290	408	254	262	254	254
Adjustment to allowance for adoption of ASU 2016-13				12
Charge-offs		(50)			(111)	(111)
Recoveries		2			2	2
Provision	38	(118)		54	97	117
Ending balance	328	242	408	328	242	262
Individually evaluated for impairment
Collectively evaluated for impairment						262
Allowance for loan losses						262
Individually evaluated for impairment
Collectively evaluated for impairment			242		29,062	29,710
Loans			242		29,062	29,710
Farmland [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	192	141	149	153	149	149
Adjustment to allowance for adoption of ASU 2016-13				75
Charge-offs		(2)			(2)	(1)
Recoveries		14			14	14
Provision	(10)	(16)		(46)	(24)	(9)
Ending balance	182	137	141	182	137	153
Individually evaluated for impairment
Collectively evaluated for impairment						153
Allowance for loan losses						153
Individually evaluated for impairment					268	248
Collectively evaluated for impairment			137		17,199	17,496
Loans			137		17,467	17,744
Commercials [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	576	853	1,099	381	1,099	1,099
Adjustment to allowance for adoption of ASU 2016-13				241
Charge-offs		(1)		(5)	(29)	(45)
Recoveries	7	15		8	29	31
Provision	8	(197)		(34)	(429)	(704)
Ending balance	591	670	853	591	670	381
Individually evaluated for impairment
Collectively evaluated for impairment						381
Allowance for loan losses						381
Individually evaluated for impairment					24	23
Collectively evaluated for impairment			670		45,102	46,965
Loans			670		45,126	46,988
Agricultures [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	85	29	28	32	28	28
Adjustment to allowance for adoption of ASU 2016-13				(5)
Charge-offs	(59)			(59)		(1)
Recoveries						1
Provision	2			60	1	4
Ending balance	28	29	29	28	29	32
Individually evaluated for impairment
Collectively evaluated for impairment						32
Allowance for loan losses						32
Individually evaluated for impairment
Collectively evaluated for impairment			29		3,799	3,756
Loans			29		3,799	3,756
Consumer And All Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	313	170	108	386	108	108
Adjustment to allowance for adoption of ASU 2016-13				(103)
Charge-offs	(71)	(409)		(244)	(454)	(559)
Recoveries	36	64		133	92	115
Provision	58	486		164	565	722
Ending balance	336	311	170	336	311	386
Individually evaluated for impairment
Collectively evaluated for impairment						386
Allowance for loan losses						386
Individually evaluated for impairment
Collectively evaluated for impairment			311		21,015	19,644
Loans			311		21,015	19,644
Unallocated Financing Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance		364	537	440	537	537
Adjustment to allowance for adoption of ASU 2016-13				(440)
Charge-offs
Recoveries
Provision		34			(139)	(97)
Ending balance		398	364		398	440
Individually evaluated for impairment
Collectively evaluated for impairment						440
Allowance for loan losses						440
Individually evaluated for impairment
Collectively evaluated for impairment			398
Loans			398
Total [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning balance	6,814	6,816	6,735	6,727	6,735	6,735
Adjustment to allowance for adoption of ASU 2016-13				(80)
Charge-offs	(136)	(644)		(314)	(802)	(935)
Recoveries	69	196		198	260	302
Provision	161	225		377	400	625
Ending balance	$ 6,908	$ 6,593	6,816	$ 6,908	6,593	6,727
Individually evaluated for impairment						86
Collectively evaluated for impairment						6,641
Allowance for loan losses						6,727
Individually evaluated for impairment			269		3,087	2,749
Collectively evaluated for impairment			6,324		576,787	581,864
Loans			$ 6,593		$ 579,874	$ 584,613

OTHER REAL ESTATE OWNED (Detail

OTHER REAL ESTATE OWNED (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Real Estate [Abstract]
Balance, beginning of period	$ 261	$ 1,361
Additions
Transfers from premises and equipment
Proceeds from sales		(207)
Proceeds from insurance claims
Loans made to finance sales		(711)
Adjustment of carrying value		(197)
Net gains from sales		15
Balance, end of period	$ 261	$ 261

FAIR VALUES (Details)

FAIR VALUES (Details) - Fair Value, Recurring [Member] - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned
Impaired loans
Total
Fair Value, Inputs, Level 1 [Member] | U S Treasuries [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments
Fair Value, Inputs, Level 1 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments
Fair Value, Inputs, Level 1 [Member] | Taxable Municipals
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments
Fair Value, Inputs, Level 1 [Member] | Corporate Bond Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments
Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned
Impaired loans
Total	87,452	96,076
Fair Value, Inputs, Level 2 [Member] | U S Treasuries [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments	10,730	11,685
Fair Value, Inputs, Level 2 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments	8,779	9,399
Fair Value, Inputs, Level 2 [Member] | Taxable Municipals
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments	16,730	16,815
Fair Value, Inputs, Level 2 [Member] | Corporate Bond Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments	2,613	3,136
Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments	48,600	55,041
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	261	261
Impaired loans	205	213
Agriculture loans	26
Total	492	474
Fair Value, Inputs, Level 3 [Member] | U S Treasuries [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments
Fair Value, Inputs, Level 3 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments
Fair Value, Inputs, Level 3 [Member] | Taxable Municipals
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments
Fair Value, Inputs, Level 3 [Member] | Corporate Bond Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments
Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale investments

FAIR VALUES (Details 1)

FAIR VALUES (Details 1) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Agriculture [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value	$ 26
Impaired Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Valuation Technique	Appraised Value
Fair Value	$ 205	213
Impaired Loans [Member] | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
General Range of Significant Unobservable Input Parcentage	0%
Impaired Loans [Member] | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
General Range of Significant Unobservable Input Parcentage	18%
Other Real Estate Owned [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Valuation Technique	Appraised Value/Comparable Sales/Other Estimates from Independent Sources
Fair Value	$ 261	$ 261
Other Real Estate Owned [Member] | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
General Range of Significant Unobservable Input Parcentage	0%
Other Real Estate Owned [Member] | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
General Range of Significant Unobservable Input Parcentage	18%

FAIR VALUES (Details 2)

FAIR VALUES (Details 2) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Net Loans	$ 619,295	$ 577,886
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Net Loans
Time deposits
FHLB advances
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Net Loans		552,462
Time deposits	221,937	187,179
FHLB advances	24,102	14,825
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Net Loans	590,220	213
Time deposits
FHLB advances
Carrying Reported Amount Fairs Value Disclosure [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Net Loans	619,295	577,886
Time deposits	224,841	188,233
FHLB advances	26,496	16,496
Estimate Of Fair Value Fair Values Disclosure [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Net Loans	590,220	552,675
Time deposits	221,937	187,179
FHLB advances	$ 24,102	$ 14,825

FAIR VALUES (Details Narrative)

FAIR VALUES (Details Narrative) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Available for sale securities	$ 87,500	$ 96,100

LEASING ACTIVITIES (Details)

LEASING ACTIVITIES (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Leasing Activities
Lessee, Operating Lease, Liability, to be Paid, Year One	$ 114
Lessee, Operating Lease, Liability, to be Paid, Year Two	456
Lessee, Operating Lease, Liability, to be Paid, Year Three	456
Lessee, Operating Lease, Liability, to be Paid, Year Four	456
Lessee, Operating Lease, Liability, to be Paid, Year Five	477
Lessee, Operating Lease, Liability, to be Paid, after Year Five	2,226
[custom:OperatingLeasesFutureMinimumPaymentstotal-0]	4,185
Receivable with Imputed Interest, Net Amount	(713)
Lessee, Operating Lease, Liability, to be Paid	$ 3,472

LEASING ACTIVITIES (Details Nar

LEASING ACTIVITIES (Details Narrative) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Leasing Activities
Weighted average remaining life			8 years 10 months 6 days
Weighted average discount rate			3.29%
Operating lease expenses	$ 117,000	$ 115,000	$ 341,000	$ 342,000

BORROWED FUNDS (Details Narrati

BORROWED FUNDS (Details Narrative) - F H L B [Member] - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Collaborative Arrangement and Arrangement Other than Collaborative [Line Items]
Borrowed Funds	$ 10,000	$ 0
Interest rate	3.51%
Maturity date	May 04, 2028

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Revenue from Contract with Customer [Abstract]
Service charges and fees	$ 1,020	$ 1,069	$ 2,896	$ 2,973
Card processing and interchange income	942	915	2,784	2,858
Insurance and investment fees	268	167	830	650
Other noninterest income	206	38	727	425
Total noninterest income	$ 2,436	$ 2,189	$ 7,237	$ 6,906

NONINTEREST EXPENSES (Details)

NONINTEREST EXPENSES (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Noninterest Expenses
Other operating expenses	$ 726	$ 663	$ 2,265	$ 2,003
ATM network expense	386	355	1,116	1,102
fees	305	233	964	695
Loan related expenses	187	65	403	265
FDIC insurance premiums	89	56	265	159
Consulting fees	44	98	176	227
Advertising	43	55	150	119
Printing and supplies	38	35	127	107
Other real estate owned expenses, net	7	(35)	23	110
Total other operating expenses	$ 1,825	$ 1,525	$ 5,489	$ 4,787