Lake Shore Bancorp (LSBK) 10-Q 13 May 20 2020 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2020	May 08, 2020
Document and Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Mar. 31, 2020
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Entity File Number	000-51821
Entity Registrant Name	LAKE SHORE BANCORP, INC.
Entity Tax Identification Number	20-4729288
Entity Address, Address Line One	31 East Fourth Street
Entity Address, City or Town	Dunkirk
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	14048
City Area Code	716
Local Phone Number	366-4070
Title of 12(b) Security	Common stock, par value $0.01 per share
Trading Symbol	LSBK
Security Exchange Name	NASDAQ
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		5,886,369
Entity Central Index Key	0001341318
Amendment Flag	false

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 7,912	$ 7,884
Interest earning deposits	37,627	22,405
Cash and Cash Equivalents	45,539	30,289
Securities available for sale	71,112	71,201
Federal Home Loan Bank stock, at cost	2,055	2,055
Loans receivable, net of allowance for loan losses 2020 $4,760; 2019 $4,267	473,354	470,816
Premises and equipment, net	9,458	9,415
Accrued interest receivable	2,220	2,153
Bank owned life insurance	22,091	21,969
Other assets	2,497	2,971
Total Assets	628,326	610,869
Liabilities
Deposits: Interest bearing	437,046	422,247
Deposits: Non-interest bearing	64,153	61,229
Total Deposits	501,199	483,476
Long-term debt	34,650	34,650
Advances from borrowers for taxes and insurance	2,329	3,233
Other liabilities	6,317	6,670
Total Liabilities	544,495	528,029
Stockholders' Equity
Common stock, $0.01 par value per share, 25,000,000 shares authorized; 6,836,514 shares issued and 5,918,269 shares outstanding at March 31, 2020 and 6,836,514 shares issued and 5,924,339 shares outstanding at December 31, 2019	68	68
Additional paid-in capital	31,105	31,078
Treasury stock, at cost (918,245 shares at March 31, 2020 and 912,175 shares at December 31, 2019)	(10,365)	(10,184)
Unearned shares held by ESOP	(1,343)	(1,364)
Unearned shares held by compensation plans	(215)	(39)
Retained earnings	62,422	61,950
Accumulated other comprehensive income	2,159	1,331
Total Stockholders' Equity	83,831	82,840
Total Liabilities and Stockholders' Equity	$ 628,326	$ 610,869

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Consolidated Statements of Financial Condition [Abstract]
Allowance for loan losses	$ 4,760	$ 4,267
Common stock par value per share	$ 0.01	$ 0.01
Common Stock, Shares Authorized	25,000,000	25,000,000
Common Stock, Shares Issued	6,836,514	6,836,514
Common Stock, Shares Outstanding	5,918,269	5,924,339
Treasury Stock, Shares	918,245	912,175

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest Income
Loans, including fees	$ 5,674	$ 4,855
Investment securities, taxable	262	302
Investment securities, tax-exempt	289	390
Other	66	115
Total Interest Income	6,291	5,662
Interest Expense
Deposits	1,201	972
Long-term debt	176	133
Other	18	19
Total Interest Expense	1,395	1,124
Net Interest Income	4,896	4,538
Provision for Loan Losses	500	75
Net Interest Income after Provision for Loan Losses	4,396	4,463
Non-Interest Income
Service charges and fees	450	421
Earnings on bank owned life insurance	122	119
Unrealized (loss) gain on equity securities	(36)	36
Unrealized loss on interest rate swap	(157)	(33)
Recovery on previously impaired investment securities	16	13
Net gain on sale of loans	37
Other	23	33
Total Non-Interest Income	455	589
Non-Interest Expenses
Salaries and employee benefits	2,216	2,261
Occupancy and equipment	641	624
Data processing	332	338
Professional services	215	234
Advertising	173	158
Postage and supplies	76	65
FDIC insurance	2	36
Other	343	287
Total Non-Interest Expenses	3,998	4,003
Income before Income Taxes	853	1,049
Income Tax Expense	122	151
Net Income	$ 731	$ 898
Basic and diluted earnings per common share	$ 0.12	$ 0.15
Dividends declared per share	$ 0.12	$ 0.12

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 731	$ 898
Other Comprehensive Income, net of tax expense:
Unrealized holding gains on securities available for sale, net of tax expense	841	638
Reclassification adjustments related to: Recovery on previously impaired investment securities included in net income, net of tax expense	(13)	(10)
Total Other Comprehensive Income	828	628
Total Comprehensive Income	$ 1,559	$ 1,526

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-In Capital [Member]	Treasury Stock [Member]	Unearned Shares Held by ESOP [Member]	Unearned Shares Held by Compensation Plans [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]	Total
Beginning Balance at Dec. 31, 2018	$ 68	$ 30,916	$ (8,805)	$ (1,449)	$ (200)	$ 59,145	$ 129	$ 79,804
Net income						898		898
Other comprehensive income, net of tax expense							628	628
Cumulative effect of adoption of ASU 2016-02 Leases (Topic 842), net of tax benefit effect						(10)		(10)
ESOP shares earned		10		21				31
Stock based compensation		11						11
Compensation plan shares granted			49		(49)
Compensation plan shares earned		18			60			78
Purchase of treasury stock, at cost			(111)					(111)
Cash dividends declared						(267)		(267)
Ending Balance at Mar. 31, 2019	68	30,955	(8,867)	(1,428)	(189)	59,766	757	81,062
Beginning Balance at Dec. 31, 2019	68	31,078	(10,184)	(1,364)	(39)	61,950	1,331	82,840
Net income						731		731
Other comprehensive income, net of tax expense							828	828
ESOP shares earned		7		21				28
Stock based compensation		11						11
Compensation plan shares granted			196		(196)
Compensation plan shares earned		9			20			29
Purchase of treasury stock, at cost			(377)					(377)
Cash dividends declared						(259)		(259)
Ending Balance at Mar. 31, 2020	$ 68	$ 31,105	$ (10,365)	$ (1,343)	$ (215)	$ 62,422	$ 2,159	$ 83,831

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Other comprehensive income, tax expense	$ 220	$ 167
Income tax benefit	$ 122	$ 151
ESOP, shares earned	1,984	1,984
Compensation plan shares granted	20,830	5,186
Compensation plan shares earned	1,889	5,518
Purchase of treasury stock, shares	26,900	7,300
Cash dividends declared, value per share	$ 0.12	$ 0.12
Accounting Standards Update 2016-02 [Member]
Income tax benefit		$ (2)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 731	$ 898
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization of investment securities	7	13
Net amortization of deferred loan costs	138	141
Provision for loan losses	500	75
Recovery on previously impaired investment securities	(16)	(13)
Unrealized loss (gain) on equity securities	36	(36)
Unrealized loss on interest rate swap	157	33
Originations of loans held for sale	(1,666)
Proceeds from sales of loans held for sale	1,703
Gain on sale of loans held for sale	(37)
Depreciation and amortization	210	198
Increase in bank owned life insurance, net	(122)	(119)
ESOP shares committed to be released	28	31
Stock based compensation expense	40	89
Increase in accrued interest receivable	(67)	(213)
Decrease (increase) in other assets	97	(233)
Decrease in other liabilities	(353)	(561)
Net Cash Provided by Operating Activities	1,386	303
CASH FLOWS FROM INVESTING ACTIVITIES
Activity in available for sale securities: Maturities, prepayments and calls	2,563	2,159
Activity in available for sale securities: Purchases	(1,453)
Purchases of Federal Home Loan Bank Stock	(22)
Redemptions of Federal Home Loan Bank Stock	22
Loan origination and principal collections, net	(3,176)	(8,853)
Additions to premises and equipment	(253)	(86)
Net Cash Used in Investing Activities	(2,319)	(6,780)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	17,723	8,082
Net decrease in advances from borrowers for taxes and insurance	(904)	(872)
Proceeds from issuance of long-term debt	1,200	750
Repayment of long-term debt	(1,200)	(750)
Purchase of treasury stock	(377)	(111)
Cash dividends paid	(259)	(267)
Net Cash Provided by Financing Activities	16,183	6,832
Net Increase in Cash and Cash Equivalents	15,250	355
CASH AND CASH EQUIVALENTS - BEGINNING	30,289	30,751
CASH AND CASH EQUIVALENTS - ENDING	45,539	31,106
SUPPLEMENTARY CASH FLOWS INFORMATION
Interest paid	$ 1,396	1,110
Right of use asset recognized		904
Right of use liability recognized		916
SUPPLEMENTARY SCHEDULE OF NONCASH INVESTING AND FINANCING ACTIVITIES
Foreclosed real estate acquired in settlement of loans		$ 61

Basis of Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2020
Basis of Presentation [Abstract]
Basis of Presentation	Note 1 – Basis of Presentation  The interim consolidated financial statements include the accounts of Lake Shore Bancorp, Inc. (the “Company”, “us”, “our”, or “we”) and Lake Shore Savings Bank (the “Bank”), its wholly owned subsidiary. All intercompany accounts and transactions of the consolidated subsidiary have been eliminated in consolidation.  The interim consolidated financial statements included herein as of March 31, 2020 and for the three months ended March 31, 2020 and 2019 have been prepared by the Company, without audit, pursuant to the rules and regulations of the Securities and Exchange Commission, and therefore, do not include all information or footnotes necessary for a complete presentation of the consolidated statements of financial condition, results of operations and cash flows in conformity with accounting principles generally accepted in the United States of America (“GAAP”). The consolidated statement of financial condition at December 31, 2019 has been derived from the audited consolidated financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete consolidated financial statements. The consolidated financial statements reflect all adjustments that are, in the opinion of management, necessary for a fair statement of such information and to make the financial statements not misleading. These interim consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the audited consolidated financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019. The consolidated statements of income for the three months ended March 31, 2020 are not necessarily indicative of the results for any subsequent period or the entire year ending December 31, 2020.  To prepare these consolidated financial statements in conformity with GAAP, management of the Company made a number of estimates and assumptions relating to the reporting of assets and liabilities and the reporting of revenue and expenses. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, securities valuation estimates, evaluation of impairment of securities and income taxes.  The Company has evaluated events and transactions occurring subsequent to the statement of financial condition as of March 31, 2020 for items that should potentially be recognized or disclosed in these consolidated financial statements. The evaluation was conducted through the date these consolidated financial statements were issued. 

New Accounting Standards

New Accounting Standards	3 Months Ended
	Mar. 31, 2020
New Accounting Standards [Abstract]
New Accounting Standards	Note 2 – New Accounting Standards  Impact of Adoption of Recent Accounting Standards and Accounting Guidance  The Company adopted Financial Accounting Standards Board (“FASB”) Accounting Standards Update (“ASU”) 2018-13, “ Fair Value Measurement (Topic 820) ” (“ASU 2018-13”) on January 1, 2020. ASU 2018-13 modifies the fair value measurement disclosure requirements of Topic 820. The amendments in ASU 2018-13 remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. The adoption of ASU 2018-13 did not have a material impact on the Company’s consolidated financial statements or results of operations.  Under section 4013 of the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”), which was signed into law on March 27, 2020, financial institutions have the option to temporarily suspend certain requirements under U.S. generally accepted accounting principles related to troubled debt restructurings for a limited period of time to account for the effects of COVID-19. This provision allows a financial institution the option to not apply the guidance on accounting for troubled debt restructurings to loan modifications, such as extensions or deferrals, related to COVID-19 made between March 1, 2020 and the earlier of (i) December 31, 2020 or (ii) 60 days after the end of the COVID-19 national emergency. The relief can only be applied to modifications for borrowers that were not more than 30 days past due as of December 31, 2019. The Company elected to adopt these provisions of the CARES Act. The adoption of this provision under section 4013 of the CARES Act is expected to have a material impact on the Company’s financial statements; however, this impact cannot be quantified at this time. See Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operation for disclosure of the impact to date.  Accounting Standards to be Adopted  In June 2016, the FASB issued ASU 2016-13, “ Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments ” (“ASU 2016-13”). ASU 2016-13 requires credit losses on most financial assets measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (“CECL”) model). Under the CECL model entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. Further, ASU 2016-13 made certain targeted amendments to the existing impairment standards for available for sale (“AFS”) debt securities. For an AFS debt security for which there is neither the intent nor a more-likely-than-not requirement to sell, an entity will record credit losses as an allowance rather than a write-down of the amortized cost basis. An entity will apply the amendments in ASU 2016-13 through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective.  The Company has determined its data requirements and is developing its methodologies for calculating the expected credit losses under ASU 2016-13 which has allowed the Company to run parallel loss reserve calculations. Data integrity associated with these methodologies is being reviewed and enhancements to the current process are being considered. We expect that the new guidance will result in an increase to the allowance for loan losses given that the allowance will be required to cover the full remaining expected life of the portfolio, rather than the incurred loss under the current accounting standard. The extent of this increase is still being evaluated. We are also reviewing the impact of additional disclosures required under ASU 2016-13 on our ongoing financial reporting procedures.  ASU 2016-13 was originally effective for the Company in 2020. In November 2019, the FASB issued guidance to defer the effective date for smaller reporting companies such as the Company until January 1, 2023. 

Investment Securities

Investment Securities	3 Months Ended
	Mar. 31, 2020
Investment Securities [Abstract]
Investment Securities	Note 3 – Investment Securities Debt Securities  The amortized cost and fair value of securities are as follows:   March 31, 2020  Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  (Dollars in thousands)  SECURITIES AVAILABLE FOR SALE:  Debt Securities  U.S. government agencies $ 2,010 $ 373 $ - $ 2,383  Municipal bonds 34,860 810 (1) 35,669  Mortgage-backed securities:  Collateralized mortgage obligations-private label 20 - (1) 19  Collateralized mortgage obligations-government sponsored entities 25,368 967 (2) 26,333  Government National Mortgage Association 158 17 - 175  Federal National Mortgage Association 2,863 136 - 2,999  Federal Home Loan Mortgage Corporation 3,037 234 - 3,271  Asset-backed securities-private label - 197 - 197  Asset-backed securities-government sponsored entities 33 2 - 35  Total Debt Securities $ 68,349 $ 2,736 $ (4) $ 71,081  Equity Securities 22 9 - 31  Total Securities Available for Sale $ 68,371 $ 2,745 $ (4) $ 71,112       December 31, 2019  Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  (Dollars in thousands)  SECURITIES AVAILABLE FOR SALE:  Debt Securities  U.S. government agencies $ 2,011 $ 134 $ - $ 2,145  Municipal bonds 34,985 835 (1) 35,819  Mortgage-backed securities:  Collateralized mortgage obligations-private label 23 - - 23  Collateralized mortgage obligations-government sponsored entities 27,081 393 (133) 27,341  Government National Mortgage Association 162 14 - 176  Federal National Mortgage Association 1,944 69 - 2,013  Federal Home Loan Mortgage Corporation 3,211 156 - 3,367  Asset-backed securities-private label - 215 - 215  Asset-backed securities-government sponsored entities 33 2 - 35  Total Debt Securities $ 69,450 $ 1,818 $ (134) $ 71,134  Equity Securities 22 45 - 67  Total Securities Available for Sale $ 69,472 $ 1,863 $ (134) $ 71,201  Debt Securities All of our collateralized mortgage obligations are backed by one- to four-family residential mortgages. At March 31, 2020, thirty-two municipal bonds with a cost of $10.8 million and fair value of $11.1 million were pledged under a collateral agreement with the Federal Reserve Bank (“FRB”) of New York for liquidity borrowing. At December 31, 2019, thirty-three municipal bonds with a cost of $10.9 million and fair value of $11.2 million were pledged with the FRB. In addition, at March 31, 2020 and December 31, 2019, sixteen municipal bonds with a cost of $3.6 million and fair value of $3.7 million, respectively, were pledged as collateral for customer deposits in excess of the Federal Deposit Insurance Corporation (“FDIC”) insurance limits. The following table sets forth the Company’s investment in securities available for sale with gross unrealized losses of less than twelve months and gross unrealized losses of twelve months or more and associated fair values as of the dates indicated:   Less than 12 months 12 months or more Total  Gross Gross Gross  Unrealized Unrealized Unrealized  Fair Value Losses Fair Value Losses Fair Value Losses  (Dollars in thousands)  March 31, 2020  Municipal bonds $ 270 (1) $ - $ - $ 270 $ (1)  Mortgage-backed securities 19 (1) 382 (2) 401 (3)  $ 289 $ (2) $ 382 $ (2) $ 671 $ (4)      December 31, 2019  Municipal bonds $ 399 (1) $ - $ - $ 399 $ (1)  Mortgage-backed securities 423 (3) 10,676 (130) 11,099 (133)  $ 822 $ (4) $ 10,676 $ (130) $ 11,498 $ (134)  The Company reviews all investment securities on an ongoing basis for the presence of other-than-temporary-impairment (“OTTI”) with formal reviews performed quarterly.  At March 31, 2020, the Company’s investment portfolio included three securities in the “unrealized losses less than twelve months ” category and six securities in the “unrealized losses twelve months or more” category. Management has the intent and ability to hold these securities until maturity. Management believes the temporary impairments were due to declines in fair value resulting from changes in interest rates and/or increased credit liquidity spreads since the securities were purchased. The unrealized losses on debt securities shown in the previous tables were recorded as a component of other comprehensive income, net of tax expense on the Company’s consolidated statements of stockholders’ equity.  The following table presents a summary of the credit-related OTTI charges recognized as components of income:   For The Three Months Ended March 31,  2020 2019  (Dollars in thousands)  Beginning balance $ 294 $ 347  Additions:  Credit loss not previously recognized - -  Reductions:  Losses realized during the period on OTTI previously recognized - -  Receipt of cash flows on previously recorded OTTI (16) (13)  Ending balance $ 278 $ 334  A deterioration in credit quality and/or other factors that may limit the liquidity of a security in our portfolio might adversely affect the fair values of the Company’s investment portfolio and may increase the potential that certain unrealized losses will be designated as “other-than-temporary” and that the Company may incur additional write-downs in future periods.  During the three months ended March 31, 2020 and 2019, the Company did no t sell any available for sale debt securities.  Equity Securities  At March 31, 2020 and December 31, 2019, equity securities consisted of 22,368 shares of Federal Home Loan Mortgage Corporation (“FHLMC”) common stock. During the three months ended March 31, 2020 and 2019, the Company recognized an unrealized loss of $36, 000 and an unrealized gain of $36,000 , respectively, on the equity securities, which was recorded in non-interest income in the consolidated statements of income. There were no sales of equity securities during the three months ended March 31, 2020 and 2019.  Scheduled contractual maturities of available for sale debt securities are as follows:    Amortized Fair  Cost Value  (Dollars in thousands)  March 31, 2020:  Less than one year $ 895 $ 896  After one year through five years 8,052 8,112  After five years through ten years 12,830 13,007  After ten years 15,093 16,037  Mortgage-backed securities 31,446 32,797  Asset-backed securities 33 232  $ 68,349 $ 71,081

Allowance for Loan Losses

Allowance for Loan Losses	3 Months Ended
	Mar. 31, 2020
Allowance for Loan Losses [Abstract]
Allowance for Loan Losses	Note 4 - Allowance for Loan Losses  Management segregates the loan portfolio into loan types and analyzes the risk level for each loan type when determining its allowance for loan losses. The loan types are as follows:  Real Estate Loans: · One- to Four-Family – are loans secured by first lien collateral on residential real estate primarily held in the Western New York region. These loans can be affected by economic conditions and the value of underlying properties. Western New York’s housing market has consistently demonstrated stability in home prices despite economic conditions. Furthermore, the Company has conservative underwriting standards and its residential lending policies and procedures ensure that its one- to four-family residential mortgage loans generally conform to secondary market guidelines. · Home Equity - are loans or lines of credit secured by first or second liens on owner-occupied residential real estate primarily held in the Western New York region. These loans can also be affected by economic conditions and the values of underlying properties. Home equity loans may have increased risk of loss if the Company does not hold the first mortgage resulting in the Company being in a secondary position in the event of collateral liquidation. The Company does not originate interest only home equity loans. · Commercial Real Estate – are loans used to finance the purchase of real property, which generally consists of developed real estate that is held as first lien collateral for the loan. These loans are secured by real estate properties that are primarily held in the Western New York region. Commercial real estate lending involves additional risks compared with one- to four-family residential lending, because payments on loans secured by commercial real estate properties are often dependent on the successful operation or management of the properties, and/or the collateral value of the commercial real estate securing the loan, and repayment of such loans may be subject to adverse conditions in the real estate market or economic conditions to a greater extent than one- to four-family residential mortgage loans. Also, commercial real estate loans typically involve relatively large loan balances concentrated with single borrowers or groups of related borrowers. · Construction – are loans to finance the construction of either one- to four-family owner occupied homes or commercial real estate. At the end of the construction period, the loan automatically converts to either a one- to four-family or commercial mortgage, as applicable. Risk of loss on a construction loan depends largely upon the accuracy of the initial estimate of the value of the property at completion compared to the actual cost of construction. The Company limits its risk during construction as disbursements are not made until the required work for each advance has been completed and an updated lien search is performed. The completion of the construction progress is verified by a Company loan officer or inspections performed by an independent appraisal firm. Construction loans also expose us to the risk of construction delays which may impair the borrower’s ability to repay the loan.  Other Loans: · Commercial – includes business installment loans, lines of credit, and other commercial loans. Most of our commercial loans have fixed interest rates, and are for terms generally not in excess of 5 years. Whenever possible, we collateralize these loans with a lien on business assets and equipment and require the personal guarantees from principals of the borrower. Commercial loans generally involve a higher degree of credit risk, as commercial loans can involve relatively large loan balances to a single borrower or groups of related borrowers, with the repayment of such loans typically dependent on the successful operation of the commercial business and the income stream of the borrower. Such risks can be significantly affected by economic conditions. Although commercial loans may be collateralized by equipment or other business assets, the liquidation of collateral in the event of a borrower default may be an insufficient source of repayment because the equipment or other business assets may be obsolete or of limited use, among other things. Accordingly, the repayment of a commercial loan depends primarily on the credit worthiness of the borrowers (and any guarantors), while liquidation of collateral is a secondary and often insufficient source of repayment. · Consumer – consist of loans secured by collateral such as an automobile or a deposit account, unsecured loans and lines of credit. Consumer loans tend to have a higher credit risk due to the loans being either unsecured or secured by rapidly depreciable assets. Furthermore, consumer loan payments are dependent on the borrower’s continuing financial stability, and therefore are more likely to be adversely affected by job loss, divorce, illness or personal bankruptcy.  The allowance for loan losses is a valuation account that reflects the Company’s evaluation of the losses inherent in its loan portfolio. In order to determine the adequacy of the allowance for loan losses, the Company estimates losses by loan type using historical loss factors, as well as other environmental factors, such as trends in loan volume and loan type, loan concentrations, changes in the experience, ability and depth of the Company’s lending management, and national and local economic conditions. The Company's determination as to the classification of loans and the amount of loss allowances are subject to review by bank regulators, which can require the establishment of additional loss allowances.  The Company also reviews all loans on which the collectability of principal may not be reasonably assured, by reviewing payment status, financial conditions and estimated value of loan collateral. These loans are assigned an internal loan grade, and the Company assigns an amount of loss allowances to these classified loans based on loan grade.  Although the allocations noted below are by loan type, the allowance for loan losses is general in nature and is available to offset losses from any loan in the Company’s portfolio. The unallocated component of the allowance for loan losses reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for existing specific and general losses in the portfolio.  The projected economic impact of COVID-19 on the Company’s allowance for loan losses resulted in $480,000 of additional provision for loan losses for the three months ended March 31, 2020. The additional provision was primarily due to an adjustment of certain qualitative factors in order to take into account the uncertain impacts of COVID-19 on economic conditions and borrowers’ ability to repay the loans. The increase in the provision for loan losses for this period was also driven by net charge-offs, additional allowances due to the increase in classified loans, growth and changes in the mix of the underlying portfolio and changes in the historical loss factor.  The following tables summarize the activity in the allowance for loan losses for the three months ended March 31, 2020 and 2019 and the distribution of the allowance for loan losses and loans receivable by loan portfolio class and impairment method as of March 31, 2020 and December 31, 2019:     Real Estate Loans Other Loans  One- to Four-Family (2) Home Equity Commercial Construction - Commercial Commercial Consumer Unallocated Total  (Dollars in thousands)  March 31, 2020  Allowance for Loan Losses:  Balance – January 1, 2020 $ 436 $ 129 $ 2,682 $ 388 $ 478 $ 26 $ 128 $ 4,267  Charge-offs - - - - (5) (8) - (13)  Recoveries - - 1 - 2 3 - 6  Provision (credit) 45 35 374 81 56 6 (97) 500  Balance – March 31, 2020 $ 481 $ 164 $ 3,057 $ 469 $ 531 $ 27 $ 31 $ 4,760  Ending balance: individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ -  Ending balance: collectively evaluated for impairment $ 481 $ 164 $ 3,057 $ 469 $ 531 $ 27 $ 31 $ 4,760   Gross Loans Receivable (1) :  Ending balance $ 152,328 $ 45,958 $ 214,943 $ 34,701 $ 25,482 $ 1,193 $ - $ 474,605  Ending balance: individually evaluated for impairment $ 223 $ 16 $ - $ - $ - $ - $ - $ 239  Ending balance: collectively evaluated for impairment $ 152,105 $ 45,942 $ 214,943 $ 34,701 $ 25,482 $ 1,193 $ - $ 474,366  (1) Gross Loans Receivable does not include allowance for loan losses of $ ( 4,760 ) or deferred loan costs of $ 3,509 . (2) Includes one- to four-family construction loans.     Real Estate Loans Other Loans  One- to Four-Family (1) Home Equity Commercial Construction - Commercial Commercial Consumer Unallocated Total  (Dollars in thousands)  March 31, 2019  Balance – January 1, 2019 $ 471 $ 91 $ 2,020 $ 250 $ 507 $ 25 $ 84 $ 3,448  Charge-offs - (4) - - - (14) - (18)  Recoveries 8 - 1 - - 1 - 10  Provision (credit) 10 35 21 80 (93) 16 6 75  Balance – March 31, 2019 $ 489 $ 122 $ 2,042 $ 330 $ 414 $ 28 $ 90 $ 3,515  (1) Includes one– to four-family construction loans.    Real Estate Loans Other Loans  One- to Four-Family (2) Home Equity Commercial Construction - Commercial Commercial Consumer Unallocated Total  (Dollars in thousands)   December 31, 2019  Allowance for Loan Losses:  Balance – December 31, 2019 $ 436 $ 129 $ 2,682 $ 388 $ 478 $ 26 $ 128 $ 4,267  Ending balance: individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ -  Ending balance: collectively evaluated for impairment $ 436 $ 129 $ 2,682 $ 388 $ 478 $ 26 $ 128 $ 4,267   Gross Loans Receivable (1) :  Ending Balance $ 154,749 $ 45,250 $ 211,220 $ 32,299 $ 26,720 $ 1,297 $ - $ 471,535  Ending balance: individually evaluated for impairment $ 166 $ - $ - $ - $ - $ - $ - $ 166  Ending balance: collectively evaluated for impairment $ 154,583 $ 45,250 $ 211,220 $ 32,299 $ 26,720 $ 1,297 $ - $ 471,369  (1) Gross Loans Receivable does not include allowance for loan losses of $ ( 4,267 ) or deferred loan costs of $3,548 . (2) Includes one- to four-family construction loans. A loan is considered impaired when, based on current information and events, it is probable that the Company will not be able to collect the scheduled payments of principal and interest when due according to the contractual terms of the loan agreement. Factors considered in determining impairment include payment status, collateral value and the probability of collecting scheduled payments when due. Impairment is measured on a loan-by-loan basis for commercial real estate loans and commercial loans. Larger groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer, home equity, or one- to four-family loans for impairment disclosure, unless they are subject to a troubled debt restructuring.  The following is a summary of information pertaining to impaired loans at or for the periods indicated:   Unpaid Average Interest  Recorded Principal Related Recorded Income  Investment Balance Allowance Investment Recognized  For the Three Months Ended  At March 31, 2020 March 31, 2020  (Dollars in thousands)  With no related allowance recorded:  Residential, one- to four-family $ 223 $ 223 $ - $ 225 $ 3  Home equity 16 16 - 16 -  Total impaired loans with no related allowance 239 239 - 241 3       Unpaid Average Interest  Recorded Principal Related Recorded Income  Investment Balance Allowance Investment Recognized  For the Year Ended  At December 31, 2019 December 31, 2019  (Dollars in thousands)  With no related allowance recorded:  Residential, one- to four-family $ 166 $ 166 $ - $ 173 $ 10  Commercial real estate (1) - - - 27 -  Total impaired loans with no related allowance 166 166 - 200 10   With an allowance recorded:  Commercial real estate (2) - - - 260 8  Commercial loans (3) - - - 31 1  Total impaired loans with an allowance - - - 291 9   Total of impaired loans:  Residential, one- to four-family 166 166 - 173 10  Commercial real estate - - - 287 8  Commercial loans - - - 31 1  Total impaired loans $ 166 $ 166 $ - $ 491 $ 19  (1) This loan was paid off during the year ended December 31, 2019. (2) This line item consisted of two commercial real estate loans with a combined recorded investment of $294,000 and a related allowance of $40,000 . One commercial real estate loan was paid off in full and the other commercial real estate loan was charged off during the year ended December 31, 2019. (3) A commercial business loan with a recorded investment of $30,000 and a related allowance of $15,000 was partially paid off during the year ended December 31, 2019, with the remaining balance being recorded as a loss.  The following tables provide an analysis of past due loans and non-accruing loans as of the dates indicated:    30-59 Days 60-89 Days 90 Days or More Total Past Current Total Loans Loans on Non-  Past Due Past Due Past Due Due Due Receivable Accrual  (Dollars in thousands)  March 31, 2020:  Real Estate Loans:  Residential, one- to four-family (1) $ 763 $ 328 $ 2,026 $ 3,117 $ 149,211 $ 152,328 $ 3,218  Home equity 195 12 616 823 45,135 45,958 660  Commercial - - - - 214,943 214,943 -  Construction - commercial - - - - 34,701 34,701 -  Other Loans:  Commercial - - - - 25,482 25,482 -  Consumer 17 5 7 29 1,164 1,193 7  Total $ 975 $ 345 $ 2,649 $ 3,969 $ 470,636 $ 474,605 $ 3,885   30-59 Days 60-89 Days 90 Days or More Total Past Current Total Loans Loans on Non-  Past Due Past Due Past Due Due Due Receivable Accrual  (Dollars in thousands)  December 31, 2019:  Real Estate Loans:  Residential, one- to four-family (1) $ 1,245 $ 672 $ 1,924 $ 3,841 $ 150,908 $ 154,749 $ 2,845  Home equity 168 162 583 913 44,337 45,250 590  Commercial - 1,133 - 1,133 210,087 211,220 -  Construction - commercial - - - - 32,299 32,299 -  Other Loans:  Commercial - - - - 26,720 26,720 -  Consumer 8 - 2 10 1,287 1,297 2  Total $ 1,421 $ 1,967 $ 2,509 $ 5,897 $ 465,638 $ 471,535 $ 3,437  (1) Includes one- to four-family construction loans. The accrual of interest on loans is discontinued when, in management’s opinion, the borrower may be unable to meet payments as they become due. A loan does not have to be 90 days delinquent in order to be classified as non-accrual. When interest accrual is discontinued, all unpaid accrued interest is reversed. If ultimate collection of principal is in doubt, all cash receipts on impaired loans are applied to reduce the principal balance . The Company’s policies provide for the classification of loans as follows: · Pass/Performing; · Special Mention – does not currently expose the Company to a sufficient degree of risk but does possess credit deficiencies or potential weaknesses deserving the Company’s close attention; · Substandard – has one or more well-defined weaknesses and are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. A substandard asset would be one inadequately protected by the current net worth and paying capacity of the obligor or pledged collateral, if applicable; · Doubtful – has all the weaknesses inherent in substandard loans with the additional characteristic that the weaknesses present make collection or liquidation in full on the basis of currently existing facts, conditions and values questionable, and there is a high possibility of loss; and · Loss – loan is considered uncollectible and continuance without the establishment of a specific valuation reserve is not warranted.   The Company’s Asset Classification Committee is responsible for monitoring risk ratings and making changes as deemed appropriate. Each commercial loan is individually assigned a loan classification. The Company’s consumer loans, including residential one- to four-family loans and home equity loans, are not classified as described above. Instead, the Company uses the delinquency status as the basis for classifying these loans. Generally, all consumer loans more than 90 days past due are classified and placed in non-accrual. Such loans that are well-secured and in the process of collection will remain in accrual status.  The following tables summarize the internal loan grades applied to the Company’s loan portfolio as of March 31, 2020 and December 31, 2019:    Pass/Performing Special Mention Substandard Doubtful Loss Total  (Dollars in thousands)  March 31, 2020  Real Estate Loans:  Residential, one- to four-family (1) $ 149,391 $ - $ 2,937 $ - $ - $ 152,328  Home equity 44,949 - 1,009 - - 45,958  Commercial 210,686 3,647 610 - - 214,943  Construction - commercial 34,701 - - - - 34,701  Other Loans:  Commercial 20,079 5,403 - - - 25,482  Consumer 1,186 - 7 - - 1,193  Total $ 460,992 $ 9,050 $ 4,563 $ - $ - $ 474,605    Pass/Performing Special Mention Substandard Doubtful Loss Total  (Dollars in thousands)  December 31, 2019  Real Estate Loans:  Residential, one- to four-family (1) $ 152,115 $ - $ 2,634 $ - $ - $ 154,749  Home equity 44,403 - 847 - - 45,250  Commercial 208,042 2,573 605 - - 211,220  Construction - commercial 32,299 - - - - 32,299  Other Loans:  Commercial 22,295 4,425 - - - 26,720  Consumer 1,295 - 2 - - 1,297  Total $ 460,449 $ 6,998 $ 4,088 $ - $ - $ 471,535 (1) Includes one- to four-family construction loans.  Troubled debt restructurings (“TDRs”) occur when we grant borrowers concessions that we would not otherwise grant but for economic or legal reasons pertaining to the borrower’s financial difficulties. A concession is made when the terms of the loan modification are more favorable than the terms the borrower would have received in the current market under similar financial difficulties. These concessions may include, but are not limited to, modifications of the terms of the debt, the transfer of assets or the issuance of an equity interest by the borrower to satisfy all or part of the debt, or the addition of borrower(s). The Company identifies loans for potential TDRs primarily through direct communication with the borrower and evaluation of the borrower’s financial statements, revenue projections, tax returns, and credit reports. Even if the borrower is not presently in default, management will consider the likelihood that cash flow shortages, adverse economic conditions, and negative trends may result in a payment default in the near future. Generally, we will not return a TDR to accrual status until the borrower has demonstrated the ability to make principal and interest payments under the restructured terms for at least six consecutive months. The Company’s TDRs are impaired loans, which may result in specific allocations and subsequent charge-offs if appropriate.  Some loan modifications classified as TDRs may not ultimately result in full collection of principal and interest, as modified, which may result in potential losses. These potential losses have been factored into our overall estimate of the allowance for loan losses.  The following table summarizes the loans that were classified as TDRs as of the dates indicated:    Non-Accruing Accruing TDRs That Have Defaulted on Modified Terms Year to Date  Number of Loans Recorded Investment Number of Loans Recorded Investment Number of Loans Recorded Investment Number of Loans Recorded Investment  (Dollars in thousands)  At March 31, 2020  Real Estate Loans:  Residential, one- to four-family 6 $ 223 1 $ 26 5 $ 197 - $ -  Home equity 1 16 - - 1 16 - -   At December 31, 2019  Real Estate Loans:  Residential, one- to four-family 5 $ 166 1 $ 28 4 $ 138 - $ -  No additional loan commitments were outstanding to these borrowers at March 31, 2020 and December 31, 2019. The following table details the activity in loans which were first deemed to be TDRs during the three months ended March 31, 2020.     For The Three Months Ended March 31, 2020  Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment  (Dollars in thousands)  Real Estate Loans:  Residential, one- to four-family 1 $ 59 $ 59  Home equity 1 16 16  Total 2 $ 75 $ 75  There were no loans restructured and classified as TDRs during the three months ended March 31, 2019.  As of May 11, 2020, we had executed principal and interest payment deferrals on 219 loans representing outstanding loan balances of $103.1 million in connection with the COVID-19 relief provided by the CARES Act. 88.2% of the total loans with payment deferrals were for commercial real estate loans and commercial business loans, while the remaining 11.8% were for residential mortgage, home equity and consumer loans. These deferrals were generally no more than three months in duration and were not considered troubled debt restructurings based on the CARES Act and interagency guidance issued in March 2020.  Foreclosed real estate consists of property acquired in settlement of loans which is carried at its fair value less estimated selling costs. Write-downs from cost to fair value less estimated selling costs are recorded at the date of acquisition or repossession and are charged to the allowance for loan losses. Foreclosed real estate was $710,000 and $779,000 at March 31, 2020 and December 31, 2019, respectively, and was included as a component of other assets on the consolidated statements of financial condition. The recorded investment of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process according to local requirements of the applicable jurisdiction was $1.3 million and $1.8 million at March 31, 2020 and December 31, 2019, respectively.  

Earnings per Share

Earnings per Share	3 Months Ended
	Mar. 31, 2020
Earnings per Share [Abstract]
Earnings per Share	Note 5 – Earnings per Share Basic earnings per share is based upon the weighted average number of common shares outstanding, exclusive of unearned shares held by the Employee Stock Ownership Plan of Lake Shore Bancorp, Inc. (the “ESOP”), unearned shares held by the Lake Shore Bancorp, Inc. 2006 Recognition and Retention Plan (“RRP”), and unearned shares held by the Lake Shore Bancorp, Inc. 2012 Equity Incentive Plan (“EIP”). Diluted earnings per share is based upon the weighted average number of common shares outstanding and common share equivalents that would arise from the exercise of dilutive securities. Stock options are regarded as potential common stock and are considered in the diluted earnings per share calculations to the extent they would be dilutive and computed using the treasury stock method. The calculated basic and diluted earnings per share are as follows:   Three Months Ended March 31,  2020 2019  Numerator – net income $ 731,000 $ 898,000  Denominator:  Basic weighted average shares outstanding 5,986,793 6,032,243  Increase in weighted average shares outstanding due to:  Stock options - 8,773  Diluted weighted average shares outstanding (1) 5,986,793 6,041,016   Earnings per share:  Basic $ 0.12 $ 0.15  Diluted $ 0.12 $ 0.15  (1) Stock options to purchase 64,547 shares under the Company’s 2006 Stock Option Plan and 20,000 shares under the EIP at $14.38 for each plan were outstanding during the three month periods ended March 31, 2020 and 2019, but were not included in the calculation of diluted earnings per share because to do so would have been anti-dilutive.

Commitments to Extend Credit

Commitments to Extend Credit	3 Months Ended
	Mar. 31, 2020
Commitments to Extend Credit [Abstract]
Commitments to Extend Credit	Note 6 – Commitments to Extend Credit  The Company has commitments to extend credit with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated statements of financial condition. The Company’s exposure to credit loss is represented by the contractual amount of these commitments. There were no loss reserves associated with these commitments at March 31, 2020 and December 31, 2019. The Company follows the same credit policies in making commitments as it does for on-balance sheet instruments. The following commitments to extend credit were outstanding as of the dates specified:   Contract Amount  March 31, December 31,  2020 2019  (Dollars in thousands)   Commitments to grant loans $ 35,869 $ 26,919  Unfunded commitments under lines of credit 57,268 61,309  Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses. The commitments for lines of credit may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if it is deemed necessary by the Company, is based on management’s credit evaluation of the customer.

Stock-based Compensation

Stock-based Compensation	3 Months Ended
	Mar. 31, 2020
Stock-based Compensation [Abstract]
Stock-based Compensation	Note 7 – Stock-based Compensation As of March 31, 2020, the Company had four stock-based compensation plans, which are described below. The compensation cost that has been recorded under salary and benefits expense in the non-interest expense section of the consolidated statements of income for these plans was $ 68,000 and $ 120,000 for the three months ended March 31, 2020 and 2019, respectively. 2006 Stock Option Plan The Company’s 2006 Stock Option Plan (the “Stock Option Plan”), which was approved by the Company’s stockholders, permitted the grant of options to its employees and non-employee directors for up to 297,562 shares of common stock. The Stock Option Plan expired on October 24, 2016 , and grants of options can no longer be awarded. Both incentive stock options and non-qualified stock options have been granted under the Stock Option Plan. The exercise price of each stock option equals the market price of the Company’s common stock on the date of grant and an option’s maximum term is ten years. The stock options generally vest over a five year period.  A summary of the status of the Stock Option Plan during the three months ended March 31, 2020 and 2019 is presented below: :   March 31, 2020 March 31, 2019  Options Weighted Average Exercise Price Remaining Contractual Life Options Weighted Average Exercise Price Remaining Contractual Life  Outstanding at beginning of year 64,548 $ 14.38 82,321 $ 12.98  Granted - - - -  Exercised - - - -  Outstanding at end of period 64,548 $ 14.38 6.6 years 82,321 $ 12.98 6.1 years   Options exercisable at end of period 38,726 $ 14.38 6.6 years 43,591 $ 11.73 6.1 years   Fair value of options granted $ - $ -  At March 31, 2020, stock options had no intrinsic value and there were no remaining options available for grant under the Stock Option Plan. There were no stock options exercised during the three months ended March 31, 2020 and 2019. Compensation expense related to the Stock Option Plan for the three month periods ended March 31, 2020 and 2019 was $8,000 . At March 31, 2020, $53,000 of unrecognized compensation cost related to the Stock Option Plan is expected to be recognized over a period of 19 months.  2006 Recognition and Retention Plan The Company’s 2006 Recognition and Retention Plan (“RRP”), which was approved by the Company’s stockholders, permitted the grant of restricted stock awards (“Awards”) to employees and non-employee directors for up to 119,025 shares of common stock. The RRP expired on October 24, 2016 , and as of October 24, 2016, all shares permitted under the plan have been granted. As of March 31, 2020, there were 115,770 shares vested or distributed to eligible participants under the RRP. Compensation expense amounted to $6,000 and $22,000 for the three months ended March 31, 2020 and 2019, respectively. At March 31, 2020, $ 36,000 of unrecognized compensation cost related to the RRP is expected to be recognized over a period of 19 months. A summary of the status of unvested shares under the RRP for the three months ended March 31, 2020 and 2019 is as follows:   March 31, 2020 Weighted Average Grant Price (per Share) March 31, 2019 Weighted Average Grant Price (per Share)  Unvested shares outstanding at beginning of year 3,255 $ 14.37 10,188 $ 13.27  Granted - - - -  Vested - - - -  Unvested shares outstanding at end of period 3,255 $ 14.37 10,188 $ 13.27  2012 Equity Incentive Plan  The Company’s 2012 Equity Incentive Plan (the “EIP”), which was approved by the Company’s stockholders on May 23, 2012, authorizes the issuance of up to 180,000 shares of common stock pursuant to grants of restricted stock awards and up to 20,000 shares of common stock pursuant to grants of incentive stock options and non-qualified stock options, subject to permitted adjustments for certain corporate transactions. Employees and directors of Lake Shore Bancorp or its subsidiaries are eligible to receive awards under the EIP, except that non-employees may not be granted incentive stock options.  The Board of Directors granted restricted stock awards under the EIP during the three months ended March 31, 2020 as follows:    Grant Date Number of Restricted Stock Awards Vesting Fair Value per Share of Award on Grant Date Awardees   February 5, 2020 5,513 100% on December 11, 2020 15.51 Non-employee directors  February 26, 2020 15,317 100% on February 26, 2023 if three year performance metric is achieved $ 15.39 Employees  A summary of the status of unvested restricted stock awards under the EIP for the three months ended March 31, 2020 and 2019 is as follows:   March 31, 2020 Weighted Average Grant Price (per Share) March 31, 2019 Weighted Average Grant Price (per Share)  Unvested shares outstanding at beginning of year - $ - 25,321 $ 15.28  Granted 20,830 15.42 5,186 15.89  Vested - - - -  Forfeited - - - -  Unvested shares outstanding at end of period 20,830 $ 15.42 30,507 $ 15.38  As of March 31, 2020, there were 83,572 shares of restricted stock that vested or was distributed to eligible participants under the EIP. Compensation expense related to unvested restricted stock awards under the EIP amounted to $23,000 and $56,000 for the three months ended March 31, 2020 and 2019, respectively. At March 31, 2020, $298,000 of unrecognized compensation cost related to unvested restricted stock awards is expected to be recognized over a period of 35 months.  A summary of the status of stock options under the EIP for the three months ended March 31, 2020 and 2019 is presented below:   March 31, 2020 March 31, 2019  Options Exercise Price Remaining Contractual Life Options Exercise Price Remaining Contractual Life  Outstanding at beginning of year 20,000 $ 14.38 20,000 $ 14.38  Granted - - - -  Exercised - - - -  Forfeited - - - -  Outstanding at end of period 20,000 $ 14.38 6.6 years 20,000 $ 14.38 7.6 years   Options exercisable at end of period 11,999 $ 14.38 6.6 years 7,997 $ 14.38 7.6 years   Fair value of options granted - -  At March 31, 2020, stock options had no intrinsic value and there were no remaining options available for grant under the EIP. Compensation expense related to stock options outstanding under the EIP amounted to $3,000 for the three months ended March 31, 2020 and 2019. At March 31, 2020, $16,000 of unrecognized compensation cost related to unvested stock options is expected to be recognized over a period of 19 months.  Employee Stock Ownership Plan (“ESOP”) The Company established the ESOP for the benefit of eligible employees of the Company and Bank. All Company and Bank employees meeting certain age and service requirements are eligible to participate in the ESOP. Participants’ benefits become fully vested after five years of service once the employee is eligible to participate in the ESOP. The Company utilized $ 2.6 million of the proceeds of its 2006 stock offering to extend a loan to the ESOP and the ESOP used such proceeds to purchase 238,050 shares of stock on the open market at an average price of $ 10.70 per share, plus commission expenses. As a result of the purchase of shares by the ESOP, total stockholders’ equity of the Company was reduced by $ 2.6 million. As of March 31, 2020, the balance of the loan to the ESOP was $ 1.5 million and the fair value of unallocated shares was $ 1.3 million. As of March 31, 2020, there were 78,238 allocated shares and 126,960 unallocated shares compared to 77,860 allocated shares and 134,895 unallocated shares at March 31, 2019. The ESOP compensation expense was $ 28,000 for the three months ended March 31, 2020 and $ 31,000 for the three months ended March 31, 2019 based on 1,984 shares earned in each of those quarters.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2020
Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments	Note 8 - Fair Value of Financial Instruments Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of March 31, 2020 and December 31, 2019 and have not been re-evaluated or updated for purposes of these consolidated financial statements subsequent to those respective dates. The estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported here.  GAAP establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities measurements (Level 1) and the lowest priority to unobservable input measurements (Level 3). The three levels of the fair value hierarchy are as follows:  Level 1: Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity can access at the measurement date.  Level 2: Inputs other than quoted prices included in Level 1 that are observable for the asset or liability either directly or indirectly.  Level 3: Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.  An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.  The Company’s consolidated statement of financial condition contains investment securities available for sale and derivative instruments that are recorded at fair value on a recurring basis. For financial instruments measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at March 31, 2020 and December 31, 2019 were as follows:    Fair Value Measurements at March 31, 2020  Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Other Unobservable Inputs  Fair Value (Level 1) (Level 2) (Level 3)  (Dollars in thousands)  Measured at fair value on a recurring basis:  Securities available for sale:  Debt Securities  U.S. government agencies $ 2,383 $ 2,383 $ - $ -  Municipal bonds 35,669 - 35,669 -  Mortgage-backed securities:  Collateralized mortgage obligations-private label 19 - 19 -  Collateralized mortgage obligations-government sponsored entities 26,333 - 26,333 -  Government National Mortgage Association 175 - 175 -  Federal National Mortgage Association 2,999 - 2,999 -  Federal Home Loan Mortgage Corporation 3,271 - 3,271 -  Asset-backed securities:  Private label 197 - 197 -  Government sponsored entities 35 - 35 -  Total Debt Securities $ 71,081 $ 2,383 $ 68,698 $ -  Equity securities 31 - 31 -  Total Securities Available for Sale $ 71,112 $ 2,383 $ 68,729 $ -  Interest Rate Swap (1) $ (284) $ - $ (284) $ -  (1) Included in Other Liabilities on the consolidated statements of financial condition.    Fair Value Measurements at December 31, 2019  Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Other Unobservable Inputs  Fair Value (Level 1) (Level 2) (Level 3)  (Dollars in thousands)  Measured at fair value on a recurring basis:  Securities available for sale:  Debt Securities  U.S. government agencies $ 2,145 $ 2,145 $ - $ -  Municipal bonds 35,819 - 35,819 -  Mortgage-backed securities:  Collateralized mortgage obligations-private label 23 - 23 -  Collateralized mortgage obligations-government sponsored entities 27,341 - 27,341 -  Government National Mortgage Association 176 - 176 -  Federal National Mortgage Association 2,013 - 2,013 -  Federal Home Loan Mortgage Corporation 3,367 - 3,367 -  Asset-backed securities: -  Private label 215 - 215 -  Government sponsored entities 35 - 35 -  Total Debt Securities $ 71,134 $ 2,145 $ 68,989 $ -  Equity securities 67 - 67 -  Total Securities Available for Sale $ 71,201 $ 2,145 $ 69,056 $ -  Interest Rate Swap (1) $ (127) $ - $ (47) $ -  (1) Included in Other Liabilities on the consolidated statements of financial condition  Any transfers between levels would be recognized as of the actual date of event or change in circumstances that caused the transfer. There were no reclassifications between the Level 1 and Level 2 categories for the three months ended March 31, 2020 and for the year ended December 31, 2019.  Level 2 inputs for assets or liabilities measured at fair value on a recurring basis might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment projections, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means . The following is a description of valuation methodologies used for financial assets recorded at fair value on a recurring basis:  · Investment securities available for sale – the fair values are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1) or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted prices. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. treasury yield curve, live trading levels, trade execution date, market consensus prepayment projections, credit information and the security’ terms and conditions, among other things. Level 2 securities which are fixed income instruments that are not quoted on an exchange, but are traded in active markets, are valued using prices obtained from our custodian, who use third party data service providers .  · Interest Rate Swap – the fair value is based on a discounted cash flow model. The model’s key assumptions include the contractual term of the derivative contract, including the period to maturity, and the use of observable market based inputs, such as interest rates, yield curves, nonperformance risk and implied volatility.  In addition to disclosure of the fair value of assets on a recurring basis, GAAP requires disclosures for assets and liabilities measured at fair value on a non-recurring basis, such as impaired assets and foreclosed real estate. Loans are generally not recorded at fair value on a recurring basis. Periodically, the Company records non-recurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of these loans. Non-recurring adjustments also include certain impairment amounts for collateral-dependent loans calculated when establishing the allowance for loan losses. An impaired loan is carried at fair value based on either a recent appraisal less estimated selling costs of underlying collateral or discounted cash flows based on current market conditions.  For assets measured at fair value on a non-recurring basis, the fair value measurements by level within the fair value hierarchy used at March 31, 2020 and December 31, 2019 were as follows:    Fair Value Measurements  Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Other Unobservable Inputs  Fair Value (Level 1) (Level 2) (Level 3)  (Dollars in thousands)  Measured at fair value on a non-recurring basis:   At March 31, 2020  Foreclosed real estate $ 160 $ - $ - $ 160   At December 31, 2019  Foreclosed real estate $ 170 $ - $ - $ 170  The following table presents additional quantitative information about assets measured at fair value on a non-recurring basis and for which the Company has utilized Level 3 inputs to determine fair value:    Quantitative Information about Level 3 Fair Value Measurements  (Dollars in thousands) Fair Value Estimate Valuation Technique Unobservable Input Range  At March 31, 2020  Foreclosed real estate $ 160 Market valuation of property (1) Direct Disposal Costs (2) 7.00 - 10.00 %  At December 31, 2019  Foreclosed real estate $ 170 Market valuation of property (1) Direct Disposal Costs (2) 7.00 - 10.00 %  (1) Fair value is generally determined through independent third-party appraisals of the underlying collateral, which generally includes various Level 3 inputs which are not observable . (2) The fair value basis of foreclosed real estate may be adjusted to reflect management estimates of disposal costs including, but not necessarily limited to, real estate brokerage commissions, legal fees, and delinquent property taxes.  At March 31, 2020 and December 31, 2019, foreclosed real estate valued using Level 3 inputs had a carrying amount of $ 221,000 and valuation allowances of $61,000 and $51,000 , re spectively .  The carrying amount and estimated fair value of the Company’s financial instruments, whether carried at cost or fair value, are as follows:    Fair Value Measurements at March 31, 2020  Carrying Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Other Unobservable Inputs  Amount Fair Value (Level 1) (Level 2) (Level 3)  (Dollars in thousands)  Financial assets:  Cash and cash equivalents $ 45,539 $ 45,539 $ 45,539 $ - $ -  Securities available for sale 71,112 71,112 2,383 68,729 -  Federal Home Loan Bank stock 2,055 2,055 - 2,055 -  Loans receivable, net 473,354 475,610 - - 475,610  Accrued interest receivable 2,220 2,220 - 2,220 -  Interest rate swap (284) (284) - (284) -  Financial liabilities:  Deposits 501,199 504,576 - 504,576 -  Long-term debt 34,650 35,433 - 35,433 -  Accrued interest payable 78 78 - 78 -  Off-balance-sheet financial instruments - - - - -     Fair Value Measurements at December 31, 2019  Carrying Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Other Unobservable Inputs  Amount Fair Value (Level 1) (Level 2) (Level 3)  (Dollars in thousands)  Financial assets:  Cash and cash equivalents $ 30,289 $ 30,289 $ 30,289 $ - $ -  Securities available for sale 71,201 71,201 2,145 69,056 -  Federal Home Loan Bank stock 2,055 2,055 - 2,055 -  Loans receivable, net 470,816 461,058 - - 461,058  Accrued interest receivable 2,153 2,153 - 2,153 -  Interest rate swap (127) (127) - (127) -  Financial liabilities:  Deposits 483,476 486,487 - 486,487 -  Long-term debt 34,650 34,658 - 34,658 -  Accrued interest payable 79 79 - 79 -  Off-balance-sheet financial instruments - - - - - 

Treasury Stock

Treasury Stock	3 Months Ended
	Mar. 31, 2020
Treasury Stock [Abstract]
Treasury Stock	Note 9 – Treasury Stock During the three months ended March 31, 2020, the Company repurchased 26,900 shares of common stock at an average cost of $14.00 per share. These shares were repurchased pursuant to the Company’s publicly announced common stock repurchase program. As of March 31, 2020, there were 70,139 shares remaining to be repurchased under the existing stock repurchase program. During the three months ended March 31, 2020, the Company transferred 20,830 shares of common stock out of treasury stock reserved for the 2012 Equity Incentive Plan, at an average cost of $ 9.39 per share to fund awards that had been granted under the plan.  During the three months ended March 31, 2019, the Company repurchased 7,300 shares of common stock at an average cost of $15.14 per share. These shares were repurchased pursuant to the Company’s publicly announced common stock repurchase programs. As of March 31, 2019, there were 60,890 shares remaining to be repurchased under the existing stock repurchase program. During the three months ended March 31, 2019, the Company transferred 5,186 shares of common stock out of treasury stock reserved for the 2012 Equity Incentive Plan, at an average cost of $9.39 per share to fund awards that had been granted under the plan. 

Other Comprehensive Income

Other Comprehensive Income	3 Months Ended
	Mar. 31, 2020
Other Comprehensive Income [Abstract]
Other Comprehensive Income	Note 10 – Other Comprehensive Income  In addition to presenting the consolidated statements of comprehensive income herein, the following table shows the tax effects allocated to the Company’s single component of other comprehensive income for the periods presented:      For the Three Months Ended March 31, 2020 For The Three Months Ended March 31, 2019  Pre-Tax Amount Tax Expense Net of Tax Amount Pre-Tax Amount Tax Expense Net of Tax Amount  (Dollars in thousands)  Net unrealized gains on securities available for sale:  Net unrealized gains arising during the period $ 1,064 $ (223) $ 841 $ 808 $ (170) $ 638  Less: reclassification adjustment related to:  Recovery on previously impaired investment securities included in net income (16) 3 (13) (13) 3 (10)  Total Other Comprehensive Income $ 1,048 $ (220) $ 828 $ 795 $ (167) $ 628 The following table presents the amounts reclassified out of the single component of the Company’s accumulated other comprehensive income for the indicated periods:      Amounts Reclassified from Accumulated  Details about Accumulated Other Other Comprehensive Income Affected Line Item  Comprehensive Income for the three months ended March 31, on the Consolidated  Components 2020 2019 Statements of Income  (Dollars in thousands)  Net unrealized gains and losses on securities available for sale:  Recovery on previously impaired investment securities $ (16) $ (13) Recovery on previously impaired investment securities  Provision for income tax expense 3 3 Income Tax Expense  Total reclassification for the period $ (13) $ (10) Net Income 

Subsequent Events

Subsequent Events	3 Months Ended
	Mar. 31, 2020
Subsequent Events [Abstract]
Subsequent Events	Note 11 – Subsequent Events  On April 22, 2020, the Board of Directors declared a quarterly cash dividend of $0.12 per share on the Company’s common stock, payable on May 22, 2020 to shareholders of record as of May 7, 2020 . Lake Shore, MHC (the “MHC”), which holds 3,636,875 shares, or approximately 61.6 % of the Company’s total outstanding stock, has elected to waive receipt of the dividend on its shares. On February 28, 2020, the MHC received the non-objection of the Federal Reserve Bank of Philadelphia to waive its right to receive dividends paid by the Company during the twelve months ending February 5, 2021, aggregating up to $0.50 per share. The MHC waived $436,000 of dividends during the three months ended March 31, 2020. Cumulatively the MHC has waived approximately $12.8 million of cash dividends as of March 31, 2020. The dividends waived by the MHC are considered a restriction on the retained earnings of the Company  The Company evaluated its March 31, 2020 consolidated financial statements for subsequent events through the date the consolidated financial statements were issued. As a result of the spread of the COVID-19 coronavirus, economic uncertainties have arisen which are likely to negatively impact our operational and financial performance. The extent of the impact of COVID-19 on our operational and financial performance will depend on certain developments, including the duration and spread of the outbreak and impact on our customers, employees and vendors, all of which are uncertain and cannot be predicted. At this point, the extent to which COVID-19 may impact our financial condition or results of operations is uncertain.  The Company is participating in the Small Business Administration’s (“SBA”) Paycheck Protection Program (“PPP”) under the CARES Act. The CARES Act authorized the SBA to guarantee loans under a new 7(a) loan program known as the PPP. As a qualified SBA lender, we were automatically authorized to originate PPP loans. As of May 11, 2020, we have received and processed approximately 282 applications for up to $20.3 million of loans under the PPP.  Refer to Item2. Management’s Discussion and Analysis of Financial Condition and Results of Operations and Part II. Item 1A. Risk Factors in this Quarterly Report on Form 10-Q for additional information on the potential risks and uncertainties relating to COVID-19 that could impact our operations and financial performance. 

Basis of Presentation (Policy)

Basis of Presentation (Policy)	3 Months Ended
	Mar. 31, 2020
Basis of Presentation [Abstract]
Basis of Presentation	The interim consolidated financial statements include the accounts of Lake Shore Bancorp, Inc. (the “Company”, “us”, “our”, or “we”) and Lake Shore Savings Bank (the “Bank”), its wholly owned subsidiary. All intercompany accounts and transactions of the consolidated subsidiary have been eliminated in consolidation.
Basis of Accounting	The interim consolidated financial statements included herein as of March 31, 2020 and for the three months ended March 31, 2020 and 2019 have been prepared by the Company, without audit, pursuant to the rules and regulations of the Securities and Exchange Commission, and therefore, do not include all information or footnotes necessary for a complete presentation of the consolidated statements of financial condition, results of operations and cash flows in conformity with accounting principles generally accepted in the United States of America (“GAAP”). The consolidated statement of financial condition at December 31, 2019 has been derived from the audited consolidated financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete consolidated financial statements. The consolidated financial statements reflect all adjustments that are, in the opinion of management, necessary for a fair statement of such information and to make the financial statements not misleading. These interim consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the audited consolidated financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019. The consolidated statements of income for the three months ended March 31, 2020 are not necessarily indicative of the results for any subsequent period or the entire year ending December 31, 2020.
Use of Estimates	To prepare these consolidated financial statements in conformity with GAAP, management of the Company made a number of estimates and assumptions relating to the reporting of assets and liabilities and the reporting of revenue and expenses. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, securities valuation estimates, evaluation of impairment of securities and income taxes.
Subsequent Events	The Company has evaluated events and transactions occurring subsequent to the statement of financial condition as of March 31, 2020 for items that should potentially be recognized or disclosed in these consolidated financial statements. The evaluation was conducted through the date these consolidated financial statements were issued.

New Accounting Standards (Polic

New Accounting Standards (Policy)	3 Months Ended
	Mar. 31, 2020
New Accounting Standards [Abstract]
Impact of Adoption of Recent Accounting Standards, Accounting Guidance and Accounting Standards to be Adopted	 Impact of Adoption of Recent Accounting Standards and Accounting Guidance  The Company adopted Financial Accounting Standards Board (“FASB”) Accounting Standards Update (“ASU”) 2018-13, “ Fair Value Measurement (Topic 820) ” (“ASU 2018-13”) on January 1, 2020. ASU 2018-13 modifies the fair value measurement disclosure requirements of Topic 820. The amendments in ASU 2018-13 remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. The adoption of ASU 2018-13 did not have a material impact on the Company’s consolidated financial statements or results of operations.  Under section 4013 of the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”), which was signed into law on March 27, 2020, financial institutions have the option to temporarily suspend certain requirements under U.S. generally accepted accounting principles related to troubled debt restructurings for a limited period of time to account for the effects of COVID-19. This provision allows a financial institution the option to not apply the guidance on accounting for troubled debt restructurings to loan modifications, such as extensions or deferrals, related to COVID-19 made between March 1, 2020 and the earlier of (i) December 31, 2020 or (ii) 60 days after the end of the COVID-19 national emergency. The relief can only be applied to modifications for borrowers that were not more than 30 days past due as of December 31, 2019. The Company elected to adopt these provisions of the CARES Act. The adoption of this provision under section 4013 of the CARES Act is expected to have a material impact on the Company’s financial statements; however, this impact cannot be quantified at this time. See Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operation for disclosure of the impact to date.  Accounting Standards to be Adopted  In June 2016, the FASB issued ASU 2016-13, “ Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments ” (“ASU 2016-13”). ASU 2016-13 requires credit losses on most financial assets measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (“CECL”) model). Under the CECL model entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. Further, ASU 2016-13 made certain targeted amendments to the existing impairment standards for available for sale (“AFS”) debt securities. For an AFS debt security for which there is neither the intent nor a more-likely-than-not requirement to sell, an entity will record credit losses as an allowance rather than a write-down of the amortized cost basis. An entity will apply the amendments in ASU 2016-13 through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective.  The Company has determined its data requirements and is developing its methodologies for calculating the expected credit losses under ASU 2016-13 which has allowed the Company to run parallel loss reserve calculations. Data integrity associated with these methodologies is being reviewed and enhancements to the current process are being considered. We expect that the new guidance will result in an increase to the allowance for loan losses given that the allowance will be required to cover the full remaining expected life of the portfolio, rather than the incurred loss under the current accounting standard. The extent of this increase is still being evaluated. We are also reviewing the impact of additional disclosures required under ASU 2016-13 on our ongoing financial reporting procedures.  ASU 2016-13 was originally effective for the Company in 2020. In November 2019, the FASB issued guidance to defer the effective date for smaller reporting companies such as the Company until January 1, 2023.

Allowance for Loan Losses (Poli

Allowance for Loan Losses (Policy)	3 Months Ended
	Mar. 31, 2020
Allowance for Loan Losses [Abstract]
Allowance for Loan Losses	The allowance for loan losses is a valuation account that reflects the Company’s evaluation of the losses inherent in its loan portfolio. In order to determine the adequacy of the allowance for loan losses, the Company estimates losses by loan type using historical loss factors, as well as other environmental factors, such as trends in loan volume and loan type, loan concentrations, changes in the experience, ability and depth of the Company’s lending management, and national and local economic conditions. The Company's determination as to the classification of loans and the amount of loss allowances are subject to review by bank regulators, which can require the establishment of additional loss allowances.  The Company also reviews all loans on which the collectability of principal may not be reasonably assured, by reviewing payment status, financial conditions and estimated value of loan collateral. These loans are assigned an internal loan grade, and the Company assigns an amount of loss allowances to these classified loans based on loan grade.  Although the allocations noted below are by loan type, the allowance for loan losses is general in nature and is available to offset losses from any loan in the Company’s portfolio. The unallocated component of the allowance for loan losses reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for existing specific and general losses in the portfolio.
Impaired Financing Receivable	A loan is considered impaired when, based on current information and events, it is probable that the Company will not be able to collect the scheduled payments of principal and interest when due according to the contractual terms of the loan agreement. Factors considered in determining impairment include payment status, collateral value and the probability of collecting scheduled payments when due. Impairment is measured on a loan-by-loan basis for commercial real estate loans and commercial loans. Larger groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer, home equity, or one- to four-family loans for impairment disclosure, unless they are subject to a troubled debt restructuring.
Nonaccrual Loan Status	The accrual of interest on loans is discontinued when, in management’s opinion, the borrower may be unable to meet payments as they become due. A loan does not have to be 90 days delinquent in order to be classified as non-accrual. When interest accrual is discontinued, all unpaid accrued interest is reversed. If ultimate collection of principal is in doubt, all cash receipts on impaired loans are applied to reduce the principal balance .
Financing Receivable Credit Quality	The Company’s policies provide for the classification of loans as follows: · Pass/Performing; · Special Mention – does not currently expose the Company to a sufficient degree of risk but does possess credit deficiencies or potential weaknesses deserving the Company’s close attention; · Substandard – has one or more well-defined weaknesses and are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. A substandard asset would be one inadequately protected by the current net worth and paying capacity of the obligor or pledged collateral, if applicable; · Doubtful – has all the weaknesses inherent in substandard loans with the additional characteristic that the weaknesses present make collection or liquidation in full on the basis of currently existing facts, conditions and values questionable, and there is a high possibility of loss; and · Loss – loan is considered uncollectible and continuance without the establishment of a specific valuation reserve is not warranted.   The Company’s Asset Classification Committee is responsible for monitoring risk ratings and making changes as deemed appropriate. Each commercial loan is individually assigned a loan classification. The Company’s consumer loans, including residential one- to four-family loans and home equity loans, are not classified as described above. Instead, the Company uses the delinquency status as the basis for classifying these loans. Generally, all consumer loans more than 90 days past due are classified and placed in non-accrual. Such loans that are well-secured and in the process of collection will remain in accrual status.
Loans and Leases Receivable, Troubled Debt Restructuring	Troubled debt restructurings (“TDRs”) occur when we grant borrowers concessions that we would not otherwise grant but for economic or legal reasons pertaining to the borrower’s financial difficulties. A concession is made when the terms of the loan modification are more favorable than the terms the borrower would have received in the current market under similar financial difficulties. These concessions may include, but are not limited to, modifications of the terms of the debt, the transfer of assets or the issuance of an equity interest by the borrower to satisfy all or part of the debt, or the addition of borrower(s). The Company identifies loans for potential TDRs primarily through direct communication with the borrower and evaluation of the borrower’s financial statements, revenue projections, tax returns, and credit reports. Even if the borrower is not presently in default, management will consider the likelihood that cash flow shortages, adverse economic conditions, and negative trends may result in a payment default in the near future. Generally, we will not return a TDR to accrual status until the borrower has demonstrated the ability to make principal and interest payments under the restructured terms for at least six consecutive months. The Company’s TDRs are impaired loans, which may result in specific allocations and subsequent charge-offs if appropriate.  Some loan modifications classified as TDRs may not ultimately result in full collection of principal and interest, as modified, which may result in potential losses. These potential losses have been factored into our overall estimate of the allowance for loan losses.
Foreclosed Real Estate	Foreclosed real estate consists of property acquired in settlement of loans which is carried at its fair value less estimated selling costs. Write-downs from cost to fair value less estimated selling costs are recorded at the date of acquisition or repossession and are charged to the allowance for loan losses.

Earnings per Share (Policy)

Earnings per Share (Policy)	3 Months Ended
	Mar. 31, 2020
Earnings per Share [Abstract]
Earnings per Common Share	Basic earnings per share is based upon the weighted average number of common shares outstanding, exclusive of unearned shares held by the Employee Stock Ownership Plan of Lake Shore Bancorp, Inc. (the “ESOP”), unearned shares held by the Lake Shore Bancorp, Inc. 2006 Recognition and Retention Plan (“RRP”), and unearned shares held by the Lake Shore Bancorp, Inc. 2012 Equity Incentive Plan (“EIP”). Diluted earnings per share is based upon the weighted average number of common shares outstanding and common share equivalents that would arise from the exercise of dilutive securities. Stock options are regarded as potential common stock and are considered in the diluted earnings per share calculations to the extent they would be dilutive and computed using the treasury stock method.

Commitments to Extend Credit (P

Commitments to Extend Credit (Policy)	3 Months Ended
	Mar. 31, 2020
Commitments to Extend Credit [Abstract]
Commitments to Extend Credit	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses. The commitments for lines of credit may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if it is deemed necessary by the Company, is based on management’s credit evaluation of the customer.

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Policy)	3 Months Ended
	Mar. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value of Financial Instruments	GAAP establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities measurements (Level 1) and the lowest priority to unobservable input measurements (Level 3). The three levels of the fair value hierarchy are as follows:  Level 1: Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity can access at the measurement date.  Level 2: Inputs other than quoted prices included in Level 1 that are observable for the asset or liability either directly or indirectly.  Level 3: Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.  An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. 
Fair Value Transfer	Any transfers between levels would be recognized as of the actual date of event or change in circumstances that caused the transfer.
Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value of Financial Instruments	In addition to disclosure of the fair value of assets on a recurring basis, GAAP requires disclosures for assets and liabilities measured at fair value on a non-recurring basis, such as impaired assets and foreclosed real estate. Loans are generally not recorded at fair value on a recurring basis. Periodically, the Company records non-recurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of these loans. Non-recurring adjustments also include certain impairment amounts for collateral-dependent loans calculated when establishing the allowance for loan losses. An impaired loan is carried at fair value based on either a recent appraisal less estimated selling costs of underlying collateral or discounted cash flows based on current market conditions.

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2020
Investment Securities [Abstract]
Amortized Cost and Fair Value of Securities	  March 31, 2020  Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  (Dollars in thousands)  SECURITIES AVAILABLE FOR SALE:  Debt Securities  U.S. government agencies $ 2,010 $ 373 $ - $ 2,383  Municipal bonds 34,860 810 (1) 35,669  Mortgage-backed securities:  Collateralized mortgage obligations-private label 20 - (1) 19  Collateralized mortgage obligations-government sponsored entities 25,368 967 (2) 26,333  Government National Mortgage Association 158 17 - 175  Federal National Mortgage Association 2,863 136 - 2,999  Federal Home Loan Mortgage Corporation 3,037 234 - 3,271  Asset-backed securities-private label - 197 - 197  Asset-backed securities-government sponsored entities 33 2 - 35  Total Debt Securities $ 68,349 $ 2,736 $ (4) $ 71,081  Equity Securities 22 9 - 31  Total Securities Available for Sale $ 68,371 $ 2,745 $ (4) $ 71,112       December 31, 2019  Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  (Dollars in thousands)  SECURITIES AVAILABLE FOR SALE:  Debt Securities  U.S. government agencies $ 2,011 $ 134 $ - $ 2,145  Municipal bonds 34,985 835 (1) 35,819  Mortgage-backed securities:  Collateralized mortgage obligations-private label 23 - - 23  Collateralized mortgage obligations-government sponsored entities 27,081 393 (133) 27,341  Government National Mortgage Association 162 14 - 176  Federal National Mortgage Association 1,944 69 - 2,013  Federal Home Loan Mortgage Corporation 3,211 156 - 3,367  Asset-backed securities-private label - 215 - 215  Asset-backed securities-government sponsored entities 33 2 - 35  Total Debt Securities $ 69,450 $ 1,818 $ (134) $ 71,134  Equity Securities 22 45 - 67  Total Securities Available for Sale $ 69,472 $ 1,863 $ (134) $ 71,201 
Investment in Debt Securities Available for Sale Gross Unrealized Loss	  Less than 12 months 12 months or more Total  Gross Gross Gross  Unrealized Unrealized Unrealized  Fair Value Losses Fair Value Losses Fair Value Losses  (Dollars in thousands)  March 31, 2020  Municipal bonds $ 270 (1) $ - $ - $ 270 $ (1)  Mortgage-backed securities 19 (1) 382 (2) 401 (3)  $ 289 $ (2) $ 382 $ (2) $ 671 $ (4)      December 31, 2019  Municipal bonds $ 399 (1) $ - $ - $ 399 $ (1)  Mortgage-backed securities 423 (3) 10,676 (130) 11,099 (133)  $ 822 $ (4) $ 10,676 $ (130) $ 11,498 $ (134) 
Summary of Credit-Related OTTI Charges Recognized as Components of Income	  For The Three Months Ended March 31,  2020 2019  (Dollars in thousands)  Beginning balance $ 294 $ 347  Additions:  Credit loss not previously recognized - -  Reductions:  Losses realized during the period on OTTI previously recognized - -  Receipt of cash flows on previously recorded OTTI (16) (13)  Ending balance $ 278 $ 334 
Scheduled Contractual Maturities of Available for Sale Debt Securities	  Amortized Fair  Cost Value  (Dollars in thousands)  March 31, 2020:  Less than one year $ 895 $ 896  After one year through five years 8,052 8,112  After five years through ten years 12,830 13,007  After ten years 15,093 16,037  Mortgage-backed securities 31,446 32,797  Asset-backed securities 33 232  $ 68,349 $ 71,081 

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2020
Allowance for Loan Losses [Line Items]
Summary of Activity in Allowance for Loan Losses	  Real Estate Loans Other Loans  One- to Four-Family (2) Home Equity Commercial Construction - Commercial Commercial Consumer Unallocated Total  (Dollars in thousands)  March 31, 2020  Allowance for Loan Losses:  Balance – January 1, 2020 $ 436 $ 129 $ 2,682 $ 388 $ 478 $ 26 $ 128 $ 4,267  Charge-offs - - - - (5) (8) - (13)  Recoveries - - 1 - 2 3 - 6  Provision (credit) 45 35 374 81 56 6 (97) 500  Balance – March 31, 2020 $ 481 $ 164 $ 3,057 $ 469 $ 531 $ 27 $ 31 $ 4,760  Ending balance: individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ -  Ending balance: collectively evaluated for impairment $ 481 $ 164 $ 3,057 $ 469 $ 531 $ 27 $ 31 $ 4,760   Gross Loans Receivable (1) :  Ending balance $ 152,328 $ 45,958 $ 214,943 $ 34,701 $ 25,482 $ 1,193 $ - $ 474,605  Ending balance: individually evaluated for impairment $ 223 $ 16 $ - $ - $ - $ - $ - $ 239  Ending balance: collectively evaluated for impairment $ 152,105 $ 45,942 $ 214,943 $ 34,701 $ 25,482 $ 1,193 $ - $ 474,366  (1) Gross Loans Receivable does not include allowance for loan losses of $ ( 4,760 ) or deferred loan costs of $ 3,509 . (2) Includes one- to four-family construction loans.     Real Estate Loans Other Loans  One- to Four-Family (1) Home Equity Commercial Construction - Commercial Commercial Consumer Unallocated Total  (Dollars in thousands)  March 31, 2019  Balance – January 1, 2019 $ 471 $ 91 $ 2,020 $ 250 $ 507 $ 25 $ 84 $ 3,448  Charge-offs - (4) - - - (14) - (18)  Recoveries 8 - 1 - - 1 - 10  Provision (credit) 10 35 21 80 (93) 16 6 75  Balance – March 31, 2019 $ 489 $ 122 $ 2,042 $ 330 $ 414 $ 28 $ 90 $ 3,515  (1) Includes one– to four-family construction loans.    Real Estate Loans Other Loans  One- to Four-Family (2) Home Equity Commercial Construction - Commercial Commercial Consumer Unallocated Total  (Dollars in thousands)   December 31, 2019  Allowance for Loan Losses:  Balance – December 31, 2019 $ 436 $ 129 $ 2,682 $ 388 $ 478 $ 26 $ 128 $ 4,267  Ending balance: individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ -  Ending balance: collectively evaluated for impairment $ 436 $ 129 $ 2,682 $ 388 $ 478 $ 26 $ 128 $ 4,267   Gross Loans Receivable (1) :  Ending Balance $ 154,749 $ 45,250 $ 211,220 $ 32,299 $ 26,720 $ 1,297 $ - $ 471,535  Ending balance: individually evaluated for impairment $ 166 $ - $ - $ - $ - $ - $ - $ 166  Ending balance: collectively evaluated for impairment $ 154,583 $ 45,250 $ 211,220 $ 32,299 $ 26,720 $ 1,297 $ - $ 471,369  (1) Gross Loans Receivable does not include allowance for loan losses of $ ( 4,267 ) or deferred loan costs of $3,548 . (2) Includes one- to four-family construction loans.
Summary of Information Pertaining to Impaired Loans	  Unpaid Average Interest  Recorded Principal Related Recorded Income  Investment Balance Allowance Investment Recognized  For the Three Months Ended  At March 31, 2020 March 31, 2020  (Dollars in thousands)  With no related allowance recorded:  Residential, one- to four-family $ 223 $ 223 $ - $ 225 $ 3  Home equity 16 16 - 16 -  Total impaired loans with no related allowance 239 239 - 241 3       Unpaid Average Interest  Recorded Principal Related Recorded Income  Investment Balance Allowance Investment Recognized  For the Year Ended  At December 31, 2019 December 31, 2019  (Dollars in thousands)  With no related allowance recorded:  Residential, one- to four-family $ 166 $ 166 $ - $ 173 $ 10  Commercial real estate (1) - - - 27 -  Total impaired loans with no related allowance 166 166 - 200 10   With an allowance recorded:  Commercial real estate (2) - - - 260 8  Commercial loans (3) - - - 31 1  Total impaired loans with an allowance - - - 291 9   Total of impaired loans:  Residential, one- to four-family 166 166 - 173 10  Commercial real estate - - - 287 8  Commercial loans - - - 31 1  Total impaired loans $ 166 $ 166 $ - $ 491 $ 19  (1) This loan was paid off during the year ended December 31, 2019. (2) This line item consisted of two commercial real estate loans with a combined recorded investment of $294,000 and a related allowance of $40,000 . One commercial real estate loan was paid off in full and the other commercial real estate loan was charged off during the year ended December 31, 2019. (3) A commercial business loan with a recorded investment of $30,000 and a related allowance of $15,000 was partially paid off during the year ended December 31, 2019, with the remaining balance being recorded as a loss.
Analysis of Past Due Loans and Non-Accruing Loans	  30-59 Days 60-89 Days 90 Days or More Total Past Current Total Loans Loans on Non-  Past Due Past Due Past Due Due Due Receivable Accrual  (Dollars in thousands)  March 31, 2020:  Real Estate Loans:  Residential, one- to four-family (1) $ 763 $ 328 $ 2,026 $ 3,117 $ 149,211 $ 152,328 $ 3,218  Home equity 195 12 616 823 45,135 45,958 660  Commercial - - - - 214,943 214,943 -  Construction - commercial - - - - 34,701 34,701 -  Other Loans:  Commercial - - - - 25,482 25,482 -  Consumer 17 5 7 29 1,164 1,193 7  Total $ 975 $ 345 $ 2,649 $ 3,969 $ 470,636 $ 474,605 $ 3,885   30-59 Days 60-89 Days 90 Days or More Total Past Current Total Loans Loans on Non-  Past Due Past Due Past Due Due Due Receivable Accrual  (Dollars in thousands)  December 31, 2019:  Real Estate Loans:  Residential, one- to four-family (1) $ 1,245 $ 672 $ 1,924 $ 3,841 $ 150,908 $ 154,749 $ 2,845  Home equity 168 162 583 913 44,337 45,250 590  Commercial - 1,133 - 1,133 210,087 211,220 -  Construction - commercial - - - - 32,299 32,299 -  Other Loans:  Commercial - - - - 26,720 26,720 -  Consumer 8 - 2 10 1,287 1,297 2  Total $ 1,421 $ 1,967 $ 2,509 $ 5,897 $ 465,638 $ 471,535 $ 3,437  (1) Includes one- to four-family construction loans.
Summary of Internal Loan Grades Applied to Loan Portfolio	  Pass/Performing Special Mention Substandard Doubtful Loss Total  (Dollars in thousands)  March 31, 2020  Real Estate Loans:  Residential, one- to four-family (1) $ 149,391 $ - $ 2,937 $ - $ - $ 152,328  Home equity 44,949 - 1,009 - - 45,958  Commercial 210,686 3,647 610 - - 214,943  Construction - commercial 34,701 - - - - 34,701  Other Loans:  Commercial 20,079 5,403 - - - 25,482  Consumer 1,186 - 7 - - 1,193  Total $ 460,992 $ 9,050 $ 4,563 $ - $ - $ 474,605    Pass/Performing Special Mention Substandard Doubtful Loss Total  (Dollars in thousands)  December 31, 2019  Real Estate Loans:  Residential, one- to four-family (1) $ 152,115 $ - $ 2,634 $ - $ - $ 154,749  Home equity 44,403 - 847 - - 45,250  Commercial 208,042 2,573 605 - - 211,220  Construction - commercial 32,299 - - - - 32,299  Other Loans:  Commercial 22,295 4,425 - - - 26,720  Consumer 1,295 - 2 - - 1,297  Total $ 460,449 $ 6,998 $ 4,088 $ - $ - $ 471,535 (1) Includes one- to four-family construction loans.
Summary of Loans Classified as TDRs	  Non-Accruing Accruing TDRs That Have Defaulted on Modified Terms Year to Date  Number of Loans Recorded Investment Number of Loans Recorded Investment Number of Loans Recorded Investment Number of Loans Recorded Investment  (Dollars in thousands)  At March 31, 2020  Real Estate Loans:  Residential, one- to four-family 6 $ 223 1 $ 26 5 $ 197 - $ -  Home equity 1 16 - - 1 16 - -   At December 31, 2019  Real Estate Loans:  Residential, one- to four-family 5 $ 166 1 $ 28 4 $ 138 - $ - 
Loans which First Deemed to be TDRs [Member]
Allowance for Loan Losses [Line Items]
Summary of Loans Classified as TDRs	    For The Three Months Ended March 31, 2020  Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment  (Dollars in thousands)  Real Estate Loans:  Residential, one- to four-family 1 $ 59 $ 59  Home equity 1 16 16  Total 2 $ 75 $ 75 

Earnings per Share (Tables)

Earnings per Share (Tables)	3 Months Ended
	Mar. 31, 2020
Earnings per Share [Abstract]
Calculated Basic and Diluted Earnings Per Share	  Three Months Ended March 31,  2020 2019  Numerator – net income $ 731,000 $ 898,000  Denominator:  Basic weighted average shares outstanding 5,986,793 6,032,243  Increase in weighted average shares outstanding due to:  Stock options - 8,773  Diluted weighted average shares outstanding (1) 5,986,793 6,041,016   Earnings per share:  Basic $ 0.12 $ 0.15  Diluted $ 0.12 $ 0.15  (1) Stock options to purchase 64,547 shares under the Company’s 2006 Stock Option Plan and 20,000 shares under the EIP at $14.38 for each plan were outstanding during the three month periods ended March 31, 2020 and 2019, but were not included in the calculation of diluted earnings per share because to do so would have been anti-dilutive.

Commitments to Extend Credit (T

Commitments to Extend Credit (Tables)	3 Months Ended
	Mar. 31, 2020
Commitments to Extend Credit [Abstract]
Outstanding Commitments to Extend Credit	  Contract Amount  March 31, December 31,  2020 2019  (Dollars in thousands)   Commitments to grant loans $ 35,869 $ 26,919  Unfunded commitments under lines of credit 57,268 61,309 

Stock-based Compensation (Table

Stock-based Compensation (Tables)	3 Months Ended
	Mar. 31, 2020
2006 Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Summary of Status of Stock Option Plan	  March 31, 2020 March 31, 2019  Options Weighted Average Exercise Price Remaining Contractual Life Options Weighted Average Exercise Price Remaining Contractual Life  Outstanding at beginning of year 64,548 $ 14.38 82,321 $ 12.98  Granted - - - -  Exercised - - - -  Outstanding at end of period 64,548 $ 14.38 6.6 years 82,321 $ 12.98 6.1 years   Options exercisable at end of period 38,726 $ 14.38 6.6 years 43,591 $ 11.73 6.1 years   Fair value of options granted $ - $ - 
2006 Recognition and Retention Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule of Unvested Restricted Stock Activity	  March 31, 2020 Weighted Average Grant Price (per Share) March 31, 2019 Weighted Average Grant Price (per Share)  Unvested shares outstanding at beginning of year 3,255 $ 14.37 10,188 $ 13.27  Granted - - - -  Vested - - - -  Unvested shares outstanding at end of period 3,255 $ 14.37 10,188 $ 13.27 
2012 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Summary of Status of Stock Option Plan	  March 31, 2020 March 31, 2019  Options Exercise Price Remaining Contractual Life Options Exercise Price Remaining Contractual Life  Outstanding at beginning of year 20,000 $ 14.38 20,000 $ 14.38  Granted - - - -  Exercised - - - -  Forfeited - - - -  Outstanding at end of period 20,000 $ 14.38 6.6 years 20,000 $ 14.38 7.6 years   Options exercisable at end of period 11,999 $ 14.38 6.6 years 7,997 $ 14.38 7.6 years   Fair value of options granted - - 
Schedule of Unvested Restricted Stock Activity	  March 31, 2020 Weighted Average Grant Price (per Share) March 31, 2019 Weighted Average Grant Price (per Share)  Unvested shares outstanding at beginning of year - $ - 25,321 $ 15.28  Granted 20,830 15.42 5,186 15.89  Vested - - - -  Forfeited - - - -  Unvested shares outstanding at end of period 20,830 $ 15.42 30,507 $ 15.38 
2012 Equity Incentive Plan [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule of Awards Granted	  Grant Date Number of Restricted Stock Awards Vesting Fair Value per Share of Award on Grant Date Awardees   February 5, 2020 5,513 100% on December 11, 2020 15.51 Non-employee directors  February 26, 2020 15,317 100% on February 26, 2023 if three year performance metric is achieved $ 15.39 Employees 

Fair Value of Financial Instr_3

Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value of Assets Measured on Recurring Basis	  Fair Value Measurements at March 31, 2020  Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Other Unobservable Inputs  Fair Value (Level 1) (Level 2) (Level 3)  (Dollars in thousands)  Measured at fair value on a recurring basis:  Securities available for sale:  Debt Securities  U.S. government agencies $ 2,383 $ 2,383 $ - $ -  Municipal bonds 35,669 - 35,669 -  Mortgage-backed securities:  Collateralized mortgage obligations-private label 19 - 19 -  Collateralized mortgage obligations-government sponsored entities 26,333 - 26,333 -  Government National Mortgage Association 175 - 175 -  Federal National Mortgage Association 2,999 - 2,999 -  Federal Home Loan Mortgage Corporation 3,271 - 3,271 -  Asset-backed securities:  Private label 197 - 197 -  Government sponsored entities 35 - 35 -  Total Debt Securities $ 71,081 $ 2,383 $ 68,698 $ -  Equity securities 31 - 31 -  Total Securities Available for Sale $ 71,112 $ 2,383 $ 68,729 $ -  Interest Rate Swap (1) $ (284) $ - $ (284) $ -  (1) Included in Other Liabilities on the consolidated statements of financial condition.    Fair Value Measurements at December 31, 2019  Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Other Unobservable Inputs  Fair Value (Level 1) (Level 2) (Level 3)  (Dollars in thousands)  Measured at fair value on a recurring basis:  Securities available for sale:  Debt Securities  U.S. government agencies $ 2,145 $ 2,145 $ - $ -  Municipal bonds 35,819 - 35,819 -  Mortgage-backed securities:  Collateralized mortgage obligations-private label 23 - 23 -  Collateralized mortgage obligations-government sponsored entities 27,341 - 27,341 -  Government National Mortgage Association 176 - 176 -  Federal National Mortgage Association 2,013 - 2,013 -  Federal Home Loan Mortgage Corporation 3,367 - 3,367 -  Asset-backed securities: -  Private label 215 - 215 -  Government sponsored entities 35 - 35 -  Total Debt Securities $ 71,134 $ 2,145 $ 68,989 $ -  Equity securities 67 - 67 -  Total Securities Available for Sale $ 71,201 $ 2,145 $ 69,056 $ -  Interest Rate Swap (1) $ (127) $ - $ (47) $ -  (1) Included in Other Liabilities on the consolidated statements of financial condition
Assets Measured at Fair Value on Nonrecurring Basis	  Fair Value Measurements  Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Other Unobservable Inputs  Fair Value (Level 1) (Level 2) (Level 3)  (Dollars in thousands)  Measured at fair value on a non-recurring basis:   At March 31, 2020  Foreclosed real estate $ 160 $ - $ - $ 160   At December 31, 2019  Foreclosed real estate $ 170 $ - $ - $ 170 
Carrying Amount and Estimated Fair Value of Financial Instruments	  Fair Value Measurements at March 31, 2020  Carrying Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Other Unobservable Inputs  Amount Fair Value (Level 1) (Level 2) (Level 3)  (Dollars in thousands)  Financial assets:  Cash and cash equivalents $ 45,539 $ 45,539 $ 45,539 $ - $ -  Securities available for sale 71,112 71,112 2,383 68,729 -  Federal Home Loan Bank stock 2,055 2,055 - 2,055 -  Loans receivable, net 473,354 475,610 - - 475,610  Accrued interest receivable 2,220 2,220 - 2,220 -  Interest rate swap (284) (284) - (284) -  Financial liabilities:  Deposits 501,199 504,576 - 504,576 -  Long-term debt 34,650 35,433 - 35,433 -  Accrued interest payable 78 78 - 78 -  Off-balance-sheet financial instruments - - - - -     Fair Value Measurements at December 31, 2019  Carrying Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Other Unobservable Inputs  Amount Fair Value (Level 1) (Level 2) (Level 3)  (Dollars in thousands)  Financial assets:  Cash and cash equivalents $ 30,289 $ 30,289 $ 30,289 $ - $ -  Securities available for sale 71,201 71,201 2,145 69,056 -  Federal Home Loan Bank stock 2,055 2,055 - 2,055 -  Loans receivable, net 470,816 461,058 - - 461,058  Accrued interest receivable 2,153 2,153 - 2,153 -  Interest rate swap (127) (127) - (127) -  Financial liabilities:  Deposits 483,476 486,487 - 486,487 -  Long-term debt 34,650 34,658 - 34,658 -  Accrued interest payable 79 79 - 79 -  Off-balance-sheet financial instruments - - - - - 
Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Additional Quantitative Information About Assets Measured at Fair Value	  Quantitative Information about Level 3 Fair Value Measurements  (Dollars in thousands) Fair Value Estimate Valuation Technique Unobservable Input Range  At March 31, 2020  Foreclosed real estate $ 160 Market valuation of property (1) Direct Disposal Costs (2) 7.00 - 10.00 %  At December 31, 2019  Foreclosed real estate $ 170 Market valuation of property (1) Direct Disposal Costs (2) 7.00 - 10.00 %  (1) Fair value is generally determined through independent third-party appraisals of the underlying collateral, which generally includes various Level 3 inputs which are not observable . (2) The fair value basis of foreclosed real estate may be adjusted to reflect management estimates of disposal costs including, but not necessarily limited to, real estate brokerage commissions, legal fees, and delinquent property taxes.

Other Comprehensive Income (Tab

Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2020
Other Comprehensive Income [Abstract]
Tax Effects Allocated to Single Component of Other Comprehensive Income	     For the Three Months Ended March 31, 2020 For The Three Months Ended March 31, 2019  Pre-Tax Amount Tax Expense Net of Tax Amount Pre-Tax Amount Tax Expense Net of Tax Amount  (Dollars in thousands)  Net unrealized gains on securities available for sale:  Net unrealized gains arising during the period $ 1,064 $ (223) $ 841 $ 808 $ (170) $ 638  Less: reclassification adjustment related to:  Recovery on previously impaired investment securities included in net income (16) 3 (13) (13) 3 (10)  Total Other Comprehensive Income $ 1,048 $ (220) $ 828 $ 795 $ (167) $ 628 
Reclassification Out of Accumulated Other Comprehensive Income	     Amounts Reclassified from Accumulated  Details about Accumulated Other Other Comprehensive Income Affected Line Item  Comprehensive Income for the three months ended March 31, on the Consolidated  Components 2020 2019 Statements of Income  (Dollars in thousands)  Net unrealized gains and losses on securities available for sale:  Recovery on previously impaired investment securities $ (16) $ (13) Recovery on previously impaired investment securities  Provision for income tax expense 3 3 Income Tax Expense  Total reclassification for the period $ (13) $ (10) Net Income 

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)securityshares	Mar. 31, 2019USD ($)securityshares	Dec. 31, 2019USD ($)security
Schedule of Investments [Line Items]
Number of securities in unrealized losses less than twelve months category | security	3
Number of securities in unrealized losses twelve months or more category | security	6
Unrealized (loss) gain on equity securities | $	$ (36)	$ 36
Municipal bonds [Member] | Securities Pledged As Collateral Agreement With Federal Reserve Bank Of New York [Member]
Schedule of Investments [Line Items]
Investment owned balance, positions | security	32		33
Investment owned, at cost | $	$ 10,800		$ 10,900
Investment owned, at fair value | $	$ 11,100		$ 11,200
Municipal bonds [Member] | SecuritiesPledged As Collateral For Customer Deposits [Member]
Schedule of Investments [Line Items]
Investment owned balance, positions | security	16		16
Investment owned, at cost | $	$ 3,600		$ 3,600
Investment owned, at fair value | $	$ 3,700		$ 3,700
Debt Securities [Member]
Schedule of Investments [Line Items]
Number of securities sold | security	0	0
Equity Securities [Member]
Schedule of Investments [Line Items]
Number of securities sold | security	0	0
Unrealized (loss) gain on equity securities | $	$ (36)	$ 36
Equity Securities [Member] | Federal Home Loan Mortgage Corporation [Member]
Schedule of Investments [Line Items]
Equity securities common stock shares owned | shares	22,368	22,368

Investment Securities (Amortize

Investment Securities (Amortized Cost and Fair Value of Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Schedule of Investments [Line Items]
Amortized Cost	$ 68,371	$ 69,472
Gross Unrealized Gains	2,745	1,863
Gross Unrealized Losses	(4)	(134)
Fair Value	71,112	71,201
U.S. Government Agencies [Member]
Schedule of Investments [Line Items]
Amortized Cost	2,010	2,011
Gross Unrealized Gains	373	134
Fair Value	2,383	2,145
Municipal bonds [Member]
Schedule of Investments [Line Items]
Amortized Cost	34,860	34,985
Gross Unrealized Gains	810	835
Gross Unrealized Losses	(1)	(1)
Fair Value	35,669	35,819
Collateralized mortgage obligations - private label [Member]
Schedule of Investments [Line Items]
Amortized Cost	20	23
Gross Unrealized Losses	(1)
Fair Value	19	23
Collateralized mortgage obligations - government sponsored entities [Member]
Schedule of Investments [Line Items]
Amortized Cost	25,368	27,081
Gross Unrealized Gains	967	393
Gross Unrealized Losses	(2)	(133)
Fair Value	26,333	27,341
Government National Mortgage Association [Member]
Schedule of Investments [Line Items]
Amortized Cost	158	162
Gross Unrealized Gains	17	14
Fair Value	175	176
Federal National Mortgage Association [Member]
Schedule of Investments [Line Items]
Amortized Cost	2,863	1,944
Gross Unrealized Gains	136	69
Fair Value	2,999	2,013
Federal Home Loan Mortgage Corporation [Member]
Schedule of Investments [Line Items]
Amortized Cost	3,037	3,211
Gross Unrealized Gains	234	156
Fair Value	3,271	3,367
Asset-backed securities - Private label [Member]
Schedule of Investments [Line Items]
Gross Unrealized Gains	197	215
Fair Value	197	215
Asset-backed securities - Government sponsored entities [Member]
Schedule of Investments [Line Items]
Amortized Cost	33	33
Gross Unrealized Gains	2	2
Fair Value	35	35
Debt Securities [Member]
Schedule of Investments [Line Items]
Amortized Cost	68,349	69,450
Gross Unrealized Gains	2,736	1,818
Gross Unrealized Losses	(4)	(134)
Fair Value	71,081	71,134
Equity Securities [Member]
Schedule of Investments [Line Items]
Amortized Cost	22	22
Gross Unrealized Gains	9	45
Fair Value	$ 31	$ 67

Investment Securities (Investme

Investment Securities (Investment in Debt Securities Available for Sale Gross Unrealized Loss) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Schedule of Investments [Line Items]
Less than Twelve Months, Fair Value	$ 289	$ 822
Less than 12 Months, Gross Unrealized Losses	(2)	(4)
12 Months or More, Fair Value	382	10,676
12 Months or More, Gross Unrealized Losses	(2)	(130)
Fair Value	671	11,498
Gross Unrealized Losses	(4)	(134)
Municipal bonds [Member]
Schedule of Investments [Line Items]
Less than Twelve Months, Fair Value	270	399
Less than 12 Months, Gross Unrealized Losses	(1)	(1)
Fair Value	270	399
Gross Unrealized Losses	(1)	(1)
Mortgage-backed securities [Member]
Schedule of Investments [Line Items]
Less than Twelve Months, Fair Value	19	423
Less than 12 Months, Gross Unrealized Losses	(1)	(3)
12 Months or More, Fair Value	382	10,676
12 Months or More, Gross Unrealized Losses	(2)	(130)
Fair Value	401	11,099
Gross Unrealized Losses	$ (3)	$ (133)

Investment Securities (Summary

Investment Securities (Summary of Credit-Related OTTI Charges Recognized as Components of Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Investment Securities [Abstract]
Beginning balance	$ 294	$ 347
Additions: Credit loss not previously recognized
Reductions: Receipt of cash flows on previously recorded OTTI	(16)	(13)
Ending balance	$ 278	$ 334

Investment Securities (Schedule

Investment Securities (Scheduled Contractual Maturities of Available for Sale Debt Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Schedule of Investments [Line Items]
Amortized Cost	$ 68,371	$ 69,472
Fair Value	71,112	71,201
Equity Securities [Member]
Schedule of Investments [Line Items]
Amortized Cost	22	22
Fair Value	31	$ 67
Debt Securities [Member]
Schedule of Investments [Line Items]
Less than one year- Amortized Cost	895
After one year through five years - Amortized Cost	8,052
After five years through ten years - Amortized Cost	12,830
After ten years - Amortized Cost	15,093
Amortized Cost	68,349
Less than one year- Fair Value	896
After one year through five years - Fair Value	8,112
After five years through ten years - Fair Value	13,007
After ten years - Fair Value	16,037
Fair Value	71,081
Debt Securities [Member] | Mortgage-backed securities [Member]
Schedule of Investments [Line Items]
Other securities - Amortized Cost	31,446
Other securities - Fair Value	32,797
Debt Securities [Member] | Asset-backed Securities [Member]
Schedule of Investments [Line Items]
Other securities - Amortized Cost	33
Other securities - Fair Value	$ 232

Allowance for Loan Losses (Narr

Allowance for Loan Losses (Narrative) (Details)	May 11, 2020USD ($)loan	Mar. 31, 2020USD ($)	Mar. 31, 2019loan	Dec. 31, 2019USD ($)
Financing Receivable, Past Due [Line Items]
Loan commitments to lend additional funds to TDR		$ 0		$ 0
Foreclosed real estate property		710,000		779,000
COVID-19 [Member]
Financing Receivable, Past Due [Line Items]
Additional provision for loan losses		480,000
TDR [Member]
Financing Receivable, Past Due [Line Items]
Loans restructured and classified as TDRs | loan			0
Subsequent Event [Member] | CARES Act COVID-19 Relief [Member]
Financing Receivable, Past Due [Line Items]
Number of loans principal and interest payment deferred | loan	219
Loans outstanding balances with payment deferrals	$ 103,100,000
Subsequent Event [Member] | CARES Act COVID-19 Relief [Member] | Real Estate Loans: Commercial [Member]
Financing Receivable, Past Due [Line Items]
Total loans with payment deferrals, percent	88.20%
Subsequent Event [Member] | CARES Act COVID-19 Relief [Member] | Residential Mortgage, Home Equity and Consumer Loans [Member]
Financing Receivable, Past Due [Line Items]
Total loans with payment deferrals, percent	11.80%
Residential Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Mortgage loans in process of foreclosure		$ 1,300,000		$ 1,800,000

Allowance for Loan Losses (Summ

Allowance for Loan Losses (Summary of Activity in Allowance for Loan Losses) (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020		Mar. 31, 2019	Dec. 31, 2019
Allowance for Loan Losses [Line Items]
Balance, beginning		$ 4,267		$ 3,448
Charge-offs		(13)		(18)
Recoveries		6		10
Provision (credit)		500		75
Balance, ending		4,760		3,515
Allowance for loan losses: Ending balance: collectively evaluated for impairment		4,760			$ 4,267
Ending balance: Gross Loans Receivable		474,605	[1]		471,535	[2]
Loans Receivable: Ending balance: individually evaluated for impairment		239	[1]		166	[2]
Loans Receivable: Ending balance: collectively evaluated for impairment		474,366	[1]		471,369	[2]
Deferred loan costs		3,509			3,548
Real Estate Loans Including One-To Four-Family Construction Loans [Member]
Allowance for Loan Losses [Line Items]
Balance, beginning	[3]	436		471
Recoveries	[3]			8
Provision (credit)	[3]	45		10
Balance, ending	[3]	481		489
Allowance for loan losses: Ending balance: collectively evaluated for impairment	[3]	481			436
Ending balance: Gross Loans Receivable	[3]	152,328	[1]		154,749	[2]
Loans Receivable: Ending balance: individually evaluated for impairment	[3]	223	[1]		166	[2]
Loans Receivable: Ending balance: collectively evaluated for impairment	[3]	152,105	[1]		154,583	[2]
Real Estate Loans: Home Equity [Member]
Allowance for Loan Losses [Line Items]
Balance, beginning		129		91
Charge-offs				(4)
Provision (credit)		35		35
Balance, ending		164		122
Allowance for loan losses: Ending balance: collectively evaluated for impairment		164			129
Ending balance: Gross Loans Receivable		45,958	[1]		45,250	[2]
Loans Receivable: Ending balance: individually evaluated for impairment	[1]	16
Loans Receivable: Ending balance: collectively evaluated for impairment		45,942	[1]		45,250	[2]
Real Estate Loans: Commercial [Member]
Allowance for Loan Losses [Line Items]
Balance, beginning		2,682		2,020
Recoveries		1		1
Provision (credit)		374		21
Balance, ending		3,057		2,042
Allowance for loan losses: Ending balance: collectively evaluated for impairment		3,057			2,682
Ending balance: Gross Loans Receivable		214,943	[1]		211,220	[2]
Loans Receivable: Ending balance: collectively evaluated for impairment		214,943	[1]		211,220	[2]
Real Estate Loans: Construction - Commercial [Member]
Allowance for Loan Losses [Line Items]
Balance, beginning		388		250
Provision (credit)		81		80
Balance, ending		469		330
Allowance for loan losses: Ending balance: collectively evaluated for impairment		469			388
Ending balance: Gross Loans Receivable		34,701	[1]		32,299	[2]
Loans Receivable: Ending balance: collectively evaluated for impairment		34,701	[1]		32,299	[2]
Other Loans: Commercial [Member]
Allowance for Loan Losses [Line Items]
Balance, beginning		478		507
Charge-offs		(5)
Recoveries		2
Provision (credit)		56		(93)
Balance, ending		531		414
Allowance for loan losses: Ending balance: collectively evaluated for impairment		531			478
Ending balance: Gross Loans Receivable		25,482	[1]		26,720	[2]
Loans Receivable: Ending balance: collectively evaluated for impairment		25,482	[1]		26,720	[2]
Other Loans: Consumer [Member]
Allowance for Loan Losses [Line Items]
Balance, beginning		26		25
Charge-offs		(8)		(14)
Recoveries		3		1
Provision (credit)		6		16
Balance, ending		27		28
Allowance for loan losses: Ending balance: collectively evaluated for impairment		27			26
Ending balance: Gross Loans Receivable		1,193	[1]		1,297	[2]
Loans Receivable: Ending balance: collectively evaluated for impairment		1,193	[1]		1,297	[2]
Unallocated Financing Receivables [Member]
Allowance for Loan Losses [Line Items]
Balance, beginning		128		84
Charge-offs
Recoveries
Provision (credit)		(97)		6
Balance, ending		31		$ 90
Allowance for loan losses: Ending balance: individually evaluated for impairment
Allowance for loan losses: Ending balance: collectively evaluated for impairment		31			$ 128
Ending balance: Gross Loans Receivable	[1]
Loans Receivable: Ending balance: individually evaluated for impairment	[1]
Loans Receivable: Ending balance: collectively evaluated for impairment	[1]
[1]	Gross Loans Receivable does not include allowance for loan losses of $(4,760) or deferred loan costs of $3,509.
[2]	Gross Loans Receivable does not include allowance for loan losses of $(4,267) or deferred loan costs of $3,548.
[3]	Includes one- to four-family construction loans.

Allowance for Loan Losses (Su_2

Allowance for Loan Losses (Summary of Information Pertaining to Impaired Loans ) (Details) $ in Thousands		3 Months Ended	12 Months Ended
		Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)loan
Financing Receivable, Impaired [Line Items]
Recorded investment, with no related allowance		$ 239	$ 166
Unpaid principal balance, with no related allowance		239	166
Average recorded investment, with no related allowance		241	200
Interest income recognized, with no related allowance		3	10
Average recorded investment with related allowance			291
Interest income recognized, with related allowance			9
Recorded Investment, total			166
Unpaid Principal Balance, Total			166
Average Recorded Investment, Total			491
Interest Income Recognized, Total			19
Real Estate Loans: One-to-Four Family [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment, with no related allowance		223	166
Unpaid principal balance, with no related allowance		223	166
Average recorded investment, with no related allowance		225	173
Interest income recognized, with no related allowance		3	10
Recorded Investment, total			166
Unpaid Principal Balance, Total			166
Average Recorded Investment, Total			173
Interest Income Recognized, Total			10
Real Estate Loans: Home Equity [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment, with no related allowance		16
Unpaid principal balance, with no related allowance		16
Average recorded investment, with no related allowance		$ 16
Real Estate Loans: Commercial [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment, with no related allowance	[1]		27
Average recorded investment with related allowance	[2]		260
Interest income recognized, with related allowance	[2]		8
Average Recorded Investment, Total			287
Interest Income Recognized, Total			$ 8
Real Estate Loans: Commercial [Member] | Paid Off In Full [Member]
Financing Receivable, Impaired [Line Items]
Number of real estate loans | loan			1
Real Estate Loans: Commercial [Member] | Real Estate Acquired in Satisfaction of Debt [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment, with related allowance			$ 294
Related allowance			$ 40
Number of real estate loans | loan			2
Other Loans: Commercial [Member]
Financing Receivable, Impaired [Line Items]
Average recorded investment with related allowance	[3]		$ 31
Interest income recognized, with related allowance	[3]		1
Average Recorded Investment, Total			31
Interest Income Recognized, Total			1
Other Loans: Commercial [Member] | Partially Paid Off [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment, with related allowance			30
Related allowance			$ 15
[1]	This loan was paid off during the year ended December 31, 2019.
[2]	This line item consisted of two commercial real estate loans with a combined recorded investment of $294,000 and a related allowance of $40,000. One commercial real estate loan was paid off in full and the other commercial real estate loan was charged off during the year ended December 31, 2019.
[3]	A commercial business loan with a recorded investment of $30,000 and a related allowance of $15,000 was partially paid off during the year ended December 31, 2019, with the remaining balance being recorded as a loss.

Allowance for Loan Losses (Anal

Allowance for Loan Losses (Analysis of Past Due Loans and Non-Accruing Loans) (Details) - USD ($) $ in Thousands		Mar. 31, 2020		Dec. 31, 2019
Financing Receivable, Past Due [Line Items]
Total Past Due		$ 3,969		$ 5,897
Current Due		470,636		465,638
Total Loans Receivable		474,605	[1]	471,535	[2]
Loans on Non-Accrual		3,885		3,437
Real Estate Loans: One-to-Four Family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	[3]	3,117		3,841
Current Due	[3]	149,211		150,908
Total Loans Receivable	[3]	152,328		154,749
Loans on Non-Accrual	[3]	3,218		2,845
Real Estate Loans: Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		823		913
Current Due		45,135		44,337
Total Loans Receivable		45,958	[1]	45,250	[2]
Loans on Non-Accrual		660		590
Real Estate Loans: Commercial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due				1,133
Current Due		214,943		210,087
Total Loans Receivable		214,943	[1]	211,220	[2]
Real Estate Loans: Construction - Commercial [Member]
Financing Receivable, Past Due [Line Items]
Current Due		34,701		32,299
Total Loans Receivable		34,701	[1]	32,299	[2]
Other Loans: Commercial [Member]
Financing Receivable, Past Due [Line Items]
Current Due		25,482		26,720
Total Loans Receivable		25,482	[1]	26,720	[2]
Other Loans: Consumer [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		29		10
Current Due		1,164		1,287
Total Loans Receivable		1,193	[1]	1,297	[2]
Loans on Non-Accrual		7		2
Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		975		1,421
Financial Asset, 30 to 59 Days Past Due [Member] | Real Estate Loans: One-to-Four Family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	[3]	763		1,245
Financial Asset, 30 to 59 Days Past Due [Member] | Real Estate Loans: Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		195		168
Financial Asset, 30 to 59 Days Past Due [Member] | Other Loans: Consumer [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		17		8
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		345		1,967
Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Loans: One-to-Four Family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	[3]	328		672
Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Loans: Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		12		162
Financial Asset, 60 to 89 Days Past Due [Member] | Real Estate Loans: Commercial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due				1,133
Financial Asset, 60 to 89 Days Past Due [Member] | Other Loans: Consumer [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		5
Financing Receivables, 90 Days or More Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		2,649		2,509
Financing Receivables, 90 Days or More Past Due [Member] | Real Estate Loans: One-to-Four Family [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	[3]	2,026		1,924
Financing Receivables, 90 Days or More Past Due [Member] | Real Estate Loans: Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		616		583
Financing Receivables, 90 Days or More Past Due [Member] | Other Loans: Consumer [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		$ 7		$ 2
[1]	Gross Loans Receivable does not include allowance for loan losses of $(4,760) or deferred loan costs of $3,509.
[2]	Gross Loans Receivable does not include allowance for loan losses of $(4,267) or deferred loan costs of $3,548.
[3]	Includes one- to four-family construction loans.

Allowance for Loan Losses (Su_3

Allowance for Loan Losses (Summary of Internal Loan Grades Applied to Loan Portfolio) (Details) - USD ($) $ in Thousands		Mar. 31, 2020		Dec. 31, 2019
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		$ 474,605	[1]	$ 471,535	[2]
Pass/ Performing [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		460,992		460,449
Special Mention [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		9,050		6,998
Substandard [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		4,563		4,088
Real Estate Loans: One-to-Four Family [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross	[3]	152,328		154,749
Real Estate Loans: One-to-Four Family [Member] | Pass/ Performing [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross	[4]	149,391		152,115
Real Estate Loans: One-to-Four Family [Member] | Substandard [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross	[4]	2,937		2,634
Real Estate Loans: Home Equity [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		45,958	[1]	45,250	[2]
Real Estate Loans: Home Equity [Member] | Pass/ Performing [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		44,949		44,403
Real Estate Loans: Home Equity [Member] | Substandard [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		1,009		847
Real Estate Loans: Commercial [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		214,943	[1]	211,220	[2]
Real Estate Loans: Commercial [Member] | Pass/ Performing [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		210,686		208,042
Real Estate Loans: Commercial [Member] | Special Mention [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		3,647		2,573
Real Estate Loans: Commercial [Member] | Substandard [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		610		605
Real Estate Loans: Construction - Commercial [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		34,701	[1]	32,299	[2]
Real Estate Loans: Construction - Commercial [Member] | Pass/ Performing [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		34,701		32,299
Other Loans: Commercial [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		25,482	[1]	26,720	[2]
Other Loans: Commercial [Member] | Pass/ Performing [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		20,079		22,295
Other Loans: Commercial [Member] | Special Mention [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		5,403		4,425
Other Loans: Consumer [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		1,193	[1]	1,297	[2]
Other Loans: Consumer [Member] | Pass/ Performing [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		1,186		1,295
Other Loans: Consumer [Member] | Substandard [Member]
Allowance for Loan Losses [Line Items]
Loans and Leases Receivable, Gross		$ 7		$ 2
[1]	Gross Loans Receivable does not include allowance for loan losses of $(4,760) or deferred loan costs of $3,509.
[2]	Gross Loans Receivable does not include allowance for loan losses of $(4,267) or deferred loan costs of $3,548.
[3]	Includes one- to four-family construction loans.
[4]	Includes one- to four-family construction loans.

Allowance for Loan Losses (Su_4

Allowance for Loan Losses (Summary of Loans Classified as TDRs) (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan
Real Estate Loans: One-to-Four Family [Member] | Performing Financial Instruments [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	6	5
Recorded Investment | $	$ 223	$ 166
Real Estate Loans: One-to-Four Family [Member] | Non Accruing Loans [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	1	1
Recorded Investment | $	$ 26	$ 28
Real Estate Loans: One-to-Four Family [Member] | Accruing Loans [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	5	4
Recorded Investment | $	$ 197	$ 138
Real Estate Loans: Home Equity [Member] | Performing Financial Instruments [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	1
Recorded Investment | $	$ 16
Real Estate Loans: Home Equity [Member] | Accruing Loans [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	1
Recorded Investment | $	$ 16

Allowance for Loan Losses (Acti

Allowance for Loan Losses (Activity in Loans which were First Deemed to be TDRs) (Details) - Loans First Deemed To Be TDRs [Member] $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	2
Pre-Modification Outstanding Recorded Investment	$ 75
Post-Modification Outstanding Recorded Investment	$ 75
Real Estate Loans: One-to-Four Family [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	1
Pre-Modification Outstanding Recorded Investment	$ 59
Post-Modification Outstanding Recorded Investment	$ 59
Real Estate Loans: Home Equity [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	1
Pre-Modification Outstanding Recorded Investment	$ 16
Post-Modification Outstanding Recorded Investment	$ 16

Earnings Per Share (Calculated

Earnings Per Share (Calculated Basic and Diluted Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019
Earnings per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Numerator- Net income		$ 731	$ 898
Denominator: Basic weighted average shares outstanding		5,986,793	6,032,243
Increase in weighted average shares outstanding due to: Stock options			8,773
Diluted weighted average shares outstanding	[1]	5,986,793	6,041,016
Earnings per share: Basic		$ 0.12	$ 0.15
Earnings per share: Diluted		$ 0.12	$ 0.15
2006 Stock Option Plan [Member]
Earnings per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Antidilutive securities excluded from computation of earnings per share		64,547	64,547
Stock options outstanding weighted average exercise price		$ 14.38	$ 14.38
2012 Equity Incentive Plan [Member]
Earnings per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Antidilutive securities excluded from computation of earnings per share		20,000	20,000
Stock options outstanding weighted average exercise price		$ 14.38	$ 14.38
[1]	Stock options to purchase 64,547 shares under the Company's 2006 Stock Option Plan and 20,000 shares under the EIP at $14.38 for each plan were outstanding during the three month periods ended March 31, 2020 and 2019, but were not included in the calculation of diluted earnings per share because to do so would have been anti-dilutive.

Commitments to Extend Credit (O

Commitments to Extend Credit (Outstanding Commitments to Extend Credit) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Commitments to grant loans [Member]
Other Commitments [Line Items]
Commitments to extend credit	$ 35,869	$ 26,919
Unfunded commitments under lines of credit [Member]
Other Commitments [Line Items]
Commitments to extend credit	$ 57,268	$ 61,309

Stock-based Compensation (Narra

Stock-based Compensation (Narrative) (Details)	3 Months Ended		12 Months Ended
	Mar. 31, 2020USD ($)itemshares	Mar. 31, 2019USD ($)shares	Dec. 31, 2006USD ($)$ / sharesshares	May 23, 2012shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock-based compensation plans | item	4
Compensation cost	$ 68,000	$ 120,000
ESOP compensation expense	$ 28,000	$ 31,000
ESOP, shares earned | shares	1,984	1,984
2006 Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost	$ 8,000	$ 8,000
Share-based payment award expiration date	Oct. 24, 2016
Share-based compensation arrangement description	Both incentive stock options and non-qualified stock options have been granted under the Stock Option Plan. The exercise price of each stock option equals the market price of the Company's common stock on the date of grant and an option's maximum term is ten years.
Stock option award vesting period	5 years
Stock options outstanding intrinsic value	$ 0
Stock options exercised, shares | shares	0	0
Stock awards available for grant, shares | shares	0
Unrecognized compensation cost related to options	$ 53,000
Unrecognized compensation cost, recognition period	19 months
2006 Recognition and Retention Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost	$ 6,000	$ 22,000
Share-based payment award expiration date	Oct. 24, 2016
Share-based compensation number of stock shares vested | shares
Unrecognized compensation cost, recognition period	19 months
Unrecognized compensation cost related to awards	$ 36,000
Employee Stock Ownership Plan "ESOP" [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award requisite service period	5 years
Employee stock ownership plan description	The Company established the ESOP for the benefit of eligible employees of the Company and Bank. All Company and Bank employees meeting certain age and service requirements are eligible to participate in the ESOP. Participants' benefits become fully vested after five years of service once the employee is eligible to participate in the ESOP.
ESOP, loan amount	$ 1,500,000		$ 2,600,000
ESOP, shares acquired | shares			238,050
ESOP, stock purchase price | $ / shares			$ 10.70
ESOP, reduction to stockholders' equity from purchased shares			$ 2,600,000
ESOP, fair value of unallocated shares	$ 1,300,000
ESOP, number of allocated shares | shares	78,238	77,860
ESOP, number of unallocated shares | shares	126,960	134,895
ESOP compensation expense	$ 28,000	$ 31,000
ESOP, shares earned | shares	1,984	1,984
Restricted Stock [Member] | 2006 Recognition and Retention Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation number of stock shares vested | shares	115,770
Restricted Stock [Member] | 2012 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost	$ 23,000	$ 56,000
Share-based compensation number of stock shares vested | shares	83,572
Unrecognized compensation cost, recognition period	35 months
Unrecognized compensation cost related to awards	$ 298,000
Stock Option [Member] | 2012 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost	3,000	$ 3,000
Stock options outstanding intrinsic value	$ 0
Stock awards available for grant, shares | shares	0
Unrecognized compensation cost related to options	$ 16,000
Unrecognized compensation cost, recognition period	19 months
Maximum [Member] | 2006 Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation number of shares authorized | shares	297,562
Share-based payment award expiration period	10 years
Maximum [Member] | 2006 Recognition and Retention Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation number of shares authorized | shares	119,025
Maximum [Member] | Restricted Stock [Member] | 2012 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation number of shares authorized | shares				180,000
Maximum [Member] | Stock Option [Member] | 2012 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation number of shares authorized | shares				20,000

Stock-based Compensation (Summa

Stock-based Compensation (Summary of Status of Stock Option Plan) (Details) - $ / shares	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
2006 Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Outstanding at beginning of year	64,548	82,321
Exercised	0	0
Outstanding at end of period	64,548	82,321
Options exercisable at end of period	38,726	43,591
Outstanding at beginning of year, Weighted Average Exercise Price	$ 14.38	$ 12.98
Outstanding at end of period, Weighted Average Exercise Price	14.38	12.98
Options exercisable at end of period, Weighted Average Exercise Price	$ 14.38	$ 11.73
Options Outstanding at end of period, Remaining Contractual Life	6 years 7 months 6 days	6 years 1 month 6 days
Options Exercisable at end of period, Remaining Contractual Life	6 years 7 months 6 days	6 years 1 month 6 days
2012 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Outstanding at beginning of year	20,000	20,000
Outstanding at end of period	20,000	20,000
Options exercisable at end of period	11,999	7,997
Outstanding at beginning of year, Weighted Average Exercise Price	$ 14.38	$ 14.38
Outstanding at end of period, Weighted Average Exercise Price	14.38	14.38
Options exercisable at end of period, Weighted Average Exercise Price	$ 14.38	$ 14.38
Options Outstanding at end of period, Remaining Contractual Life	6 years 7 months 6 days	7 years 7 months 6 days
Options Exercisable at end of period, Remaining Contractual Life	6 years 7 months 6 days	7 years 7 months 6 days

Stock-based Compensation (Sched

Stock-based Compensation (Schedule of Unvested Restricted Stock Activity) (Details) - $ / shares	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
2006 Recognition and Retention Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unvested shares outstanding at beginning of year	3,255	10,188
Granted
Vested
Unvested shares outstanding at end of period	3,255	10,188
Unvested shares outstanding at beginning of year, Weighted Average Grant Price	$ 14.37	$ 13.27
Granted, Weighted Average Grant Price
Vested, Weighted Average Grant Price
Unvested shares outstanding at end of period, Weighted Average Grant Price	$ 14.37	$ 13.27
2012 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unvested shares outstanding at beginning of year		25,321
Granted	20,830	5,186
Unvested shares outstanding at end of period	20,830	30,507
Unvested shares outstanding at beginning of year, Weighted Average Grant Price		$ 15.28
Granted, Weighted Average Grant Price	$ 15.42	15.89
Unvested shares outstanding at end of period, Weighted Average Grant Price	$ 15.42	$ 15.38

Stock-based Compensation (Sch_2

Stock-based Compensation (Schedule of Awards Granted ) (Details) - $ / shares	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
2006 Recognition and Retention Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Fair Value per Share of Award on Grant Date
2012 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Fair Value per Share of Award on Grant Date	$ 15.42	$ 15.89
Restricted Stock [Member] | 2012 Equity Incentive Plan [Member] | February 5, 2020 [Member] | Non-Employee Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Restricted Stock Awards	5,513
Vesting	100% on December 11, 2020
Percentage of Awards Vesting	100.00%
Fair Value per Share of Award on Grant Date	$ 15.51
Restricted Stock [Member] | 2012 Equity Incentive Plan [Member] | February 26, 2020 [Member] | Employee [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Restricted Stock Awards	15,317
Vesting	100% on February 26, 2023 if three year performance metric is achieved
Percentage of Awards Vesting	100.00%
Fair Value per Share of Award on Grant Date	$ 15.39

Fair Value of Financial Instr_4

Fair Value of Financial Instruments (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value measurements valuation technique	Periodically, the Company records non-recurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of these loans. Non-recurring adjustments also include certain impairment amounts for collateral-dependent loans calculated when establishing the allowance for loan losses. An impaired loan is carried at fair value based on either a recent appraisal less estimated selling costs of underlying collateral or discounted cash flows based on current market conditions.
Fair Value Inputs Level 1 And Level 2 [Member] | Fair Value, Recurring [Member] | Available-for-sale Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Reclassifications between the Level 1 and Level 2, description	Any transfers between levels would be recognized as of the actual date of event or change in circumstances that caused the transfer. There were no reclassifications between the Level 1 and Level 2 categories for the three months ended March 31, 2020 and for the year ended December 31, 2019.
Reclassifications amount between the Level 1 and Level 2 categories	$ 0	$ 0
Fair value measurements valuation technique	Investment securities available for sale – the fair values are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1) or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities, but rather by relying on the securities' relationship to other benchmark quoted prices. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. treasury yield curve, live trading levels, trade execution date, market consensus prepayment projections, credit information and the security' terms and conditions, among other things. Level 2 securities which are fixed income instruments that are not quoted on an exchange, but are traded in active markets, are valued using prices obtained from our custodian, who use third party data service providers.
Fair Value Inputs Level 1 And Level 2 [Member] | Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value measurements valuation technique	Interest Rate Swap – the fair value is based on a discounted cash flow model. The model's key assumptions include the contractual term of the derivative contract, including the period to maturity, and the use of observable market based inputs, such as interest rates, yield curves, nonperformance risk and implied volatility.
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value measurements valuation technique	Level 2 inputs for assets or liabilities measured at fair value on a recurring basis might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment projections, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means.
Foreclosed Real Estate [Member] | Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recorded investment, with related allowance	$ 221,000	221,000
Impaired financing receivable, related allowance	$ 61,000	$ 51,000

Fair Value of Financial Instr_5

Fair Value of Financial Instruments (Fair Value of Assets Measured on Recurring Basis) (Details) - USD ($) $ in Thousands		Mar. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		$ 71,112	$ 71,201
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		2,383	2,145
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		68,729	69,056
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		2,383	2,145
Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		35,669	35,819
Collateralized mortgage obligations - private label [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		19	23
Collateralized mortgage obligations - government sponsored entities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		26,333	27,341
Asset-backed securities - Private label [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		197	215
Asset-backed securities - Government sponsored entities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		35	35
Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		71,081	71,134
Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		31	67
Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative, Fair Value		(284)	(127)
Interest Rate Swap [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative, Fair Value		(284)	(127)
Fair Value, Recurring [Member] | U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		2,383	2,145
Fair Value, Recurring [Member] | U.S. Government Agencies [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		2,383	2,145
Fair Value, Recurring [Member] | U.S. Government Agencies [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | U.S. Government Agencies [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		35,669	35,819
Fair Value, Recurring [Member] | Municipal bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Municipal bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		35,669	35,819
Fair Value, Recurring [Member] | Municipal bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Collateralized mortgage obligations - private label [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		19	23
Fair Value, Recurring [Member] | Collateralized mortgage obligations - private label [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Collateralized mortgage obligations - private label [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		19	23
Fair Value, Recurring [Member] | Collateralized mortgage obligations - private label [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Collateralized mortgage obligations - government sponsored entities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		26,333	27,341
Fair Value, Recurring [Member] | Collateralized mortgage obligations - government sponsored entities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Collateralized mortgage obligations - government sponsored entities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		26,333	27,341
Fair Value, Recurring [Member] | Collateralized mortgage obligations - government sponsored entities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Government National Mortgage Association [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		175	176
Fair Value, Recurring [Member] | Government National Mortgage Association [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Government National Mortgage Association [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		175	176
Fair Value, Recurring [Member] | Government National Mortgage Association [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Federal National Mortgage Association [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		2,999	2,013
Fair Value, Recurring [Member] | Federal National Mortgage Association [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Federal National Mortgage Association [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		2,999	2,013
Fair Value, Recurring [Member] | Federal National Mortgage Association [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Federal Home Loan Mortgage Corporation [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		3,271	3,367
Fair Value, Recurring [Member] | Federal Home Loan Mortgage Corporation [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Federal Home Loan Mortgage Corporation [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		3,271	3,367
Fair Value, Recurring [Member] | Federal Home Loan Mortgage Corporation [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Asset-backed securities - Private label [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		197	215
Fair Value, Recurring [Member] | Asset-backed securities - Private label [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Asset-backed securities - Private label [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		197	215
Fair Value, Recurring [Member] | Asset-backed securities - Private label [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Asset-backed securities - Government sponsored entities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		35	35
Fair Value, Recurring [Member] | Asset-backed securities - Government sponsored entities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Asset-backed securities - Government sponsored entities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		35	35
Fair Value, Recurring [Member] | Asset-backed securities - Government sponsored entities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		71,081	71,134
Fair Value, Recurring [Member] | Debt Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		2,383	2,145
Fair Value, Recurring [Member] | Debt Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		68,698	68,989
Fair Value, Recurring [Member] | Debt Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		31	67
Fair Value, Recurring [Member] | Equity Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Equity Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		31	67
Fair Value, Recurring [Member] | Equity Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value
Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative, Fair Value	[1]	(284)	(127)
Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative, Fair Value	[1]
Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative, Fair Value	[1]	(284)	$ (47)
Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative, Fair Value	[1]
[1]	Included in Other Liabilities on the consolidated statements of financial condition

Fair Value of Financial Instr_6

Fair Value of Financial Instruments (Assets Measured at Fair Value on Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Impaired loans		$ 166
Foreclosed real estate	$ 710	779
Fair Value, Nonrecurring [Member]
Foreclosed real estate	160	170
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Foreclosed real estate	$ 160	$ 170

Fair Value of Financial Instr_7

Fair Value of Financial Instruments (Additional Quantitative Information About Assets Measured at Fair Value) (Details) - Market Valuation of Property [Member] - Foreclosed Real Estate [Member] - Significant Unobservable Inputs (Level 3) [Member] - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
		Mar. 31, 2020	Dec. 31, 2019
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value Estimate		$ 160	$ 170
Minimum [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value measurements, Direct Disposal Costs	[1],[2]	7.00%	7.00%
Maximum [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value measurements, Direct Disposal Costs	[1],[2]	10.00%	10.00%
[1]	Fair value is generally determined through independent third-party appraisals of the underlying collateral, which generally includes various Level 3 inputs which are not observable
[2]	The fair value basis of foreclosed real estate may be adjusted to reflect management estimates of disposal costs including, but not necessarily limited to, real estate brokerage commissions, legal fees, and delinquent property taxes.

Fair Value of Financial Instr_8

Fair Value of Financial Instruments (Carrying Amount and Estimated Fair Value of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and cash equivalents	$ 45,539	$ 30,289
Financial assets: Securities available for sale, carrying amount and fair value	71,112	71,201
Financial assets: Federal Home Loan Bank stock	2,055	2,055
Financial assets: Loans receivable, net	475,610	461,058
Financial assets: Accrued interest receivable	2,220	2,153
Financial liabilities: Deposits	504,576	486,487
Financial liabilities: Long-term debt	35,433	34,658
Financial liabilities: Accrued interest payable	78	79
Financial assets: Cash and cash equivalents, Carrying Amount	45,539	30,289
Financial assets: Federal Home Loan Bank stock, Carrying Amount	2,055	2,055
Financial assets: Loans receivable, net, Carrying Amount	473,354	470,816
Financial assets: Accrued interest receivable, Carrying Amount	2,220	2,153
Financial liabilities: Deposits, Carrying Amount	501,199	483,476
Financial liabilities: Long-term debt, Carrying Amount	34,650	34,650
Financial liabilities: Accrued interest payable, Carrying Amount	78	79
Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Interest rate swap	(284)	(127)
Financial assets: Interest rate swap, Carrying Amount	(284)	(127)
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and cash equivalents	45,539	30,289
Financial assets: Securities available for sale, carrying amount and fair value	2,383	2,145
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Securities available for sale, carrying amount and fair value	68,729	69,056
Financial assets: Federal Home Loan Bank stock	2,055	2,055
Financial assets: Accrued interest receivable	2,220	2,153
Financial liabilities: Deposits	504,576	486,487
Financial liabilities: Long-term debt	35,433	34,658
Financial liabilities: Accrued interest payable	78	79
Significant Other Observable Inputs (Level 2) [Member] | Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Interest rate swap	(284)	(127)
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Securities available for sale, carrying amount and fair value
Financial assets: Loans receivable, net	$ 475,610	$ 461,058

Treasury Stock (Narrative) (Det

Treasury Stock (Narrative) (Details) - $ / shares	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Treasury Stock [Abstract]
Shares of common stock repurchased at average cost	26,900	7,300
Repurchased shares of common stock average cost per share	$ 14	$ 15.14
Remaining number of shares authorized to be repurchased under stock repurchase program	70,139	60,890
Treasury stock transferred to fund awards granted	20,830	5,186
Treasury stock transferred, average cost per share	$ 9.39	$ 9.39

Other Comprehensive Income (Tax

Other Comprehensive Income (Tax Effects Allocated to Single Component of Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Other Comprehensive Income [Abstract]
Net unrealized gains on securities available for sale arising during the year, before tax	$ 1,064	$ 808
Less: reclassification adjustments related to: Recovery on previously impaired investment securities included in net income, before tax	(16)	(13)
Total Other Comprehensive Income, before tax	1,048	795
Net unrealized gains on securities available for sale arising during the year, tax expense	(223)	(170)
Less: reclassification adjustments related to: Recovery on previously impaired investment securities included in net income, tax expense	3	3
Total Other Comprehensive Income, tax expense	(220)	(167)
Net unrealized gains on securities available for sale arising during the year, net of tax	841	638
Reclassification adjustments related to: Recovery on previously impaired investment securities included in net income of subsidiary, net of tax expense	(13)	(10)
Total Other Comprehensive Income	$ 828	$ 628

Other Comprehensive Income (Rec

Other Comprehensive Income (Reclassification Out of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Recovery on previously impaired investment securities	$ 16	$ 13
Income tax expense	(122)	(151)
Net income	731	898
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax expense	3	3
Net income	(13)	(10)
Unrealized Gains and Losses on Securities Available for Sale [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Recovery on previously impaired investment securities	$ (16)	$ (13)

Subsequent Events (Narrative) (

Subsequent Events (Narrative) (Details) $ / shares in Units, $ in Thousands	Feb. 05, 2021$ / shares	May 11, 2020USD ($)loan	Apr. 22, 2020$ / sharesshares	Mar. 31, 2020USD ($)$ / shares	Mar. 31, 2019$ / shares
Subsequent Event [Line Items]
Dividends declared per share | $ / shares				$ 0.12	$ 0.12
MHC [Member]
Subsequent Event [Line Items]
Cumulative cash dividends waived | $				$ 12,800
Subsequent Event [Member]
Subsequent Event [Line Items]
Dividends declared per share | $ / shares			$ 0.12
Dividends payable, date to be paid			May 22, 2020
Dividends payable, date of record			May 7, 2020
Subsequent Event [Member] | CARES Act COVID-19 Relief [Member]
Subsequent Event [Line Items]
Number of SBA Paycheck Protection Program (PPP) loan applications received and processed | loan		282
Loans received and processed under the SBA Paycheck Protection Program (PPP) | $		$ 20,300
Subsequent Event [Member] | MHC [Member]
Subsequent Event [Line Items]
Equity securities common stock shares owned | shares			3,636,875
Equity method investment, ownership percentage			61.60%
Dividend Declared [Member] | Forecast [Member] | MHC [Member]
Subsequent Event [Line Items]
Aggregate annual dividend to be waived per share | $ / shares	$ 0.50
Dividends Waived [Member] | MHC [Member]
Subsequent Event [Line Items]
Cash dividends waived | $				$ 436