ENB Financial (ENBP) 10-K 29 Mar 21 2020 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2020	Mar. 15, 2021	Jun. 30, 2020
Document And Entity Information
Entity Registrant Name	ENB Financial Corp
Entity Central Index Key	0001437479
Document Type	10-K
Document Period End Date	Dec. 31, 2020
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Is Entity a Well-known Seasoned Issuer?	No
Is Entity a Voluntary Filer?	No
Is Entity's Reporting Status Current?	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Shell Company	false
Entity Emerging Growth Company	false
Entity Public Float			$ 62,943,166
Entity Common Stock, Shares Outstanding		5,561,499
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2020
Entity Interactive Data Current	Yes
Entity Incorporation, State or Country Code	PA
Entity File Number	000-53297
Document Annual Report	true
Document Transition Report	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 21,665	$ 24,304
Interest-bearing deposits in other banks	73,274	16,749
Total cash and cash equivalents	94,939	41,053
Securities available for sale (at fair value)	476,428	308,097
Equity securities (at fair value)	7,105	6,708
Loans held for sale	3,029	2,342
Loans (net of unearned income)	823,370	753,618
Less: Allowance for credit losses	12,327	9,447
Net loans	811,043	744,171
Premises and equipment	24,760	25,033
Regulatory stock	6,107	7,291
Bank owned life insurance	29,646	28,818
Other assets	9,256	8,237
Total assets	1,462,313	1,171,750
Deposits:
Noninterest-bearing	534,853	363,857
Interest-bearing	717,958	610,231
Total deposits	1,252,811	974,088
Short-term borrowings		200
Long-term debt	54,790	77,872
Subordinated debt	19,601
Other liabilities	4,895	2,902
Total liabilities	1,332,097	1,055,062
Stockholders' equity:
Common stock, par value $0.10 Shares: Authorized 24,000,000 Issued 5,739,114 and Outstanding 5,566,230 as of 12/31/20 and 5,640,742 as of 12/31/19	574	574
Capital surplus	4,444	4,482
Retained earnings	120,670	111,944
Accumulated other comprehensive income net of tax	7,958	1,600
Less: Treasury stock cost on 172,884 shares as of 12/31/20 98,372 shares as of 12/31/19	(3,430)	(1,912)
Total stockholders' equity	130,216	116,688
Total liabilities and stockholders' equity	$ 1,462,313	$ 1,171,750

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Dec. 31, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Common stock, par value	$ 0.10	$ 0.10
Common stock, authorized	24,000,000	24,000,000
Common stock, issued	5,739,114	5,739,114
Common stock, outstanding	5,566,230	5,640,742
Treasury shares	172,884	98,372

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Interest and dividend income:
Interest and fees on loans	$ 34,654	$ 33,318
Interest on securities available for sale
Taxable	4,040	4,898
Tax-exempt	2,719	2,433
Interest on deposits at other banks	140	371
Dividend income	541	717
Total interest and dividend income	42,094	41,737
Interest expense:
Interest on deposits	2,139	3,551
Interest on borrowings	1,707	1,568
Total interest expense	3,846	5,119
Net interest income	38,248	36,618
Provision for loan losses	2,950	770
Net interest income after provision for loan losses	35,298	35,848
Other income:
Trust and investment services income	1,974	2,042
Service fees	2,662	2,744
Commissions	2,963	2,889
Gains on sale of debt securities, net	809	411
Gains (losses) on equity securities, net	(76)	88
Gains on sale of mortgages	5,850	1,936
Earnings on bank-owned life insurance	829	731
Other income	349	465
Total other income	15,360	11,306
Operating expenses:
Salaries and employee benefits	22,062	21,032
Occupancy	2,407	2,432
Equipment	1,196	1,172
Advertising & marketing	894	820
Computer software & data processing	3,148	2,637
Shares tax	1,060	930
Professional services	2,317	2,088
Other expense	2,990	2,522
Total operating expenses	36,074	33,633
Income before income taxes	14,584	13,521
Provision for federal income taxes	2,285	2,126
Net income	$ 12,299	$ 11,395
Earnings per share of common stock	$ 2.2	$ 2.01
Cash dividends paid per share	$ 0.64	$ 0.62
Weighted average shares outstanding	5,583,118	5,679,145

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 12,299	$ 11,395
Securities available for sale not other-than-temporarily impaired:
Unrealized gains arising during the period	8,854	9,624
Income tax effect	(1,857)	(2,021)
Total	6,997	7,603
Gains recognized in earnings	(809)	(411)
Income tax effect	170	86
Total	(639)	(325)
Other comprehensive income, net of tax	6,358	7,278
Comprehensive Income	$ 18,657	$ 18,673

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance, beginning at Dec. 31, 2018	$ 574	$ 4,435	$ 104,067	$ (5,678)	$ (596)	$ 102,802
Net income			11,395			11,395
Other comprehensive income net of tax				7,278		7,278
Treasury stock purchased					(1,897)	(1,897)
Treasury stock issued		47			581	628
Cash dividends paid			(3,518)			(3,518)
Balance, ending at Dec. 31, 2019	574	4,482	111,944	1,600	(1,912)	116,688
Net income			12,299			12,299
Other comprehensive income net of tax				6,358		6,358
Treasury stock purchased					(2,216)	(2,216)
Treasury stock issued		(38)			698	660
Cash dividends paid			(3,573)			(3,573)
Balance, ending at Dec. 31, 2020	$ 574	$ 4,444	$ 120,670	$ 7,958	$ (3,430)	$ 130,216

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Treasury stock purchased, shares	109,403	96,066
Treasury stock issued, shares	34,891	31,744
Cash dividends paid, per share	$ 0.64	$ 0.62

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 12,299	$ 11,395
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization of securities premiums and discounts and loan fees	2,580	3,494
Amortization of operating leases right-of-use assets	180	167
Increase in interest receivable	(778)	(14)
(Decrease) increase in interest payable	(196)	124
Provision for loan losses	2,950	770
Gain on sale of debt securities, net	(809)	(411)
Loss (gain) on equity securities, net	76	(88)
Gains on sale of mortgages	(5,850)	(1,936)
Loans originated for sale	(127,871)	(52,733)
Proceeds from sales of loans	133,034	53,756
Earnings on bank-owned life insurance	(829)	(731)
Depreciation of premises and equipment and amortization of software	1,509	1,556
Net increase in deferred income tax	(646)	(286)
Other assets and other liabilities, net	794	396
Net cash provided by operating activities	16,443	15,459
Cash flows from investing activities:
Proceeds from maturities, calls, and repayments	65,702	30,930
Proceeds from sales of debt securities	54,291	39,859
Purchases of debt securities	(283,041)	(78,847)
Equity securities:
Proceeds from sales of equity securities		168
Purchases of equity securities	(473)	(175)
Purchase of regulatory bank stock	(1,248)	(3,027)
Redemptions of regulatory bank stock	2,432	2,084
Net increase in loans	(68,829)	(60,057)
Purchases of premises and equipment, net	(1,104)	(928)
Purchase of computer software	(200)	(161)
Net cash used for investing activities	(232,470)	(70,154)
Cash flows from financing activities:
Net increase in demand, NOW, and savings accounts	294,820	52,387
Net (decrease) increase in time deposits	(16,097)	1,967
Net decrease in short-term borrowings	(200)	(7,670)
Proceeds from long-term debt	23,996	24,723
Repayments of long-term debt	(47,078)	(12,237)
Proceeds from issuance of subordinated debt	19,601
Dividends paid	(3,573)	(3,518)
Proceeds from sale of treasury stock	660	628
Treasury stock purchased	(2,216)	(1,897)
Net cash provided by financing activities	269,913	54,383
Increase (decrease) in cash and cash equivalents	53,886	(312)
Cash and cash equivalents at beginning of period	41,053	41,365
Cash and cash equivalents at end of period	94,939	41,053
Supplemental disclosures of cash flow information:
Interest paid	4,047	4,995
Income taxes paid	2,940	1,800
Supplemental disclosure of non-cash investing and financing activities:
Fair value adjustments for securities available for sale	(8,045)	(9,213)
Initial recognition of operating right-of-use assets		1,075
Initial recognition of operating lease liabilities		$ 1,075

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations ENB Financial Corp, through its wholly owned subsidiary, Ephrata National Bank, provides financial services to Northern Lancaster County and surrounding communities. ENB Financial Corp, a bank holding company, was formed on July 1, 2008, to become the parent company of Ephrata National Bank, which existed as a stand-alone national bank since its formation on April 11, 1881. The Corporation’s wholly owned subsidiary, Ephrata National Bank, offers a full array of banking services including loan and deposit products for both personal and commercial customers, as well as trust and investment services, through twelve full-service office locations. Basis of Presentation The consolidated financial statements of ENB Financial Corp and its subsidiary, Ephrata National Bank, (collectively “the Corporation”) conform to U.S. generally accepted accounting principles (GAAP). The preparation of these statements requires that management make estimates and assumptions that affect the reported amount of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Material estimates of the Corporation, including the allowance for credit losses, the fair market value of financial instruments, and deferred tax assets or liabilities, are evaluated regularly by management. Actual results could differ from the reported estimates given different conditions or assumptions. The accounting and reporting policies followed by the Corporation conform with U.S. GAAP and to general practices within the banking industry. All significant intercompany transactions have been eliminated in consolidation. The following is a summary of the more significant policies. Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents are identified as cash and due from banks and include cash on hand, collection items, amounts due from banks, and interest bearing deposits in other banks with maturities of less than 90 days. Securities Available for Sale The Corporation classifies its entire portfolio of debt securities as available for sale securities, which the Corporation reports at fair value. Any unrealized valuation gains or losses on the debt portfolio are reported as a separate component of stockholders' equity, net of deferred income taxes. The constant yield method is used for the amortization of premiums and the accretion of discounts for all of the Corporation’s securities with the exception of collateralized mortgage obligations (CMOs), mortgage-backed securities (MBS) and asset-backed securities (ABS). The constant yield method maintains a stable yield on the instrument through its maturity. For CMOs and MBS, a two-step/proration method is used for amortization and accretion. The first step is a proration based on the current pay down. This component ensures that the book price stays level with par. The second step amortizes or accretes the remaining premium or discount to the calculated final amortization or accretion date based on the current three-month constant prepayment rates. Net gains or losses realized on sales or calls of securities are reported as gains or losses on security transactions during the year of sale, using the specific identification method. Equity Securities Equity securities includes common stocks of public companies that the Corporation has the positive intent and ability to hold for an indeterminate amount of time. Such securities are reported at fair value with changes in unrealized holding gains and losses recognized through earnings on a monthly basis. Other Than Temporary Impairment (“OTTI”) Management monitors all of the Corporation’s securities for OTTI on a monthly basis and determines whether any impairment should be recorded. A number of factors are considered in determining whether a security is impaired, including, but not limited to, the following: · Percentage of unrealized losses, · Period of time the security has had unrealized losses, · Type of security, · Maturity date of the instrument if a debt instrument, · The intent to sell the security or whether it is more likely than not that the Corporation would be required to sell the security before its anticipated recovery in market value, · Amount of projected credit losses based on current cash flow analysis, default and severity rates, and · Market dynamics impacting the market for and liquidity of the security. Management will more closely evaluate those securities that have unrealized losses of 10% or more and have had unrealized losses for more than twelve months. If management determines that the declines in value of the security are not temporary, or if management does not have the ability to hold the security until maturity, which is the case with equity securities, then management will record impairment on the security. For debt securities evaluated for impairment, management will determine what portion of the unrealized valuation loss is attributed to projected or known loss of principal, and what portion is attributed to market pricing not reflective of the true value of the security, based on current cash flow analysis. Management will generally record impairment equivalent to the projected or known loss of principal, known as the credit loss. The other portion of the fair market value loss is attributed to market factors and it is management’s opinion that these fair value losses are temporary and not permanent. All impairment is recorded as a loss on securities and is included in the Corporation’s Consolidated Statements of Income. Loans Held for Investment Loans receivable, that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, generally are reported at the outstanding principal balances, reduced by any charge-offs and net of any deferred loan origination fees or costs. Net loan origination fees and costs are deferred and recognized as an adjustment of yield over the contractual life of the loan. Interest accrues daily on outstanding loan balances. Generally, the accrual of interest discontinues when the ability to collect the loan becomes doubtful or when a loan becomes more than 90 days past due as to principal and interest. These loans are referred to as non-accrual loans. Management may elect to continue the accrual of interest based on the expectation of future payments and/or the sufficiency of the underlying collateral. Loans Held for Sale Loans originated and intended for sale on the secondary market are carried at the lower of cost or fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. In general, fixed-rate residential mortgage loans originated by the Corporation and held for sale are carried in the aggregate at the lower of cost or market. The Corporation originates loans for immediate sale with servicing retained and servicing released to several investors. However, the vast majority of the sold mortgages are sold to the Federal Home Loan Bank of Pittsburgh (FHLB) and Fannie Mae, with servicing retained. As a result, the Corporation has a growing portfolio of mortgages that are serviced on behalf of FHLB and Fannie Mae. In addition, the Corporation originates FHA, VA, and USDA mortgages which are originated for immediate sale to various investors on a service-released basis. Allowance for Credit Losses The allowance for credit losses is maintained at a level considered by management to be adequate to provide for known and inherent risks in the loan portfolio at the Consolidated Balance Sheets dates. The monthly provision or credit for loan losses is an expense or a reduction of expense which increases or decreases the allowance, and charge-offs, net of recoveries, decrease the allowance. The Corporation performs ongoing credit reviews of the loan portfolio and considers current economic conditions, historical loan loss experience, and other factors in determining the adequacy of the reserve balance. Loans determined to be uncollectible are charged to the allowance during the period in which such determination is made. In calculating the allowance, management will begin by compiling the balance of loans by credit quality for each loan segment in order that allocations can be made in aggregate based on historic losses and qualitative factors. Prior to calculating these aggregate allocations, management will individually evaluate commercial and commercial real estate loans for impairment. A loan is impaired when it is probable that a creditor will be unable to collect all principal and interest due according to the contractual terms of the loan agreement. All other loan types such as residential mortgages, home equity loans and lines of credit, and all other consumer loans, are not individually evaluated for impairment and are therefore allocated for in aggregate. These loans are considered to be large groups of smaller-balance homogenous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which are defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis, taking into consideration all circumstances concerning the loan, the creditworthiness and payment history of the borrower, the length of the payment delay, and the amount of shortfall in relation to the principal and interest owed. For loans deemed to be impaired, management will provide a specific allocation. This loan balance is then subtracted from the total loan balances being allocated for in the aggregate. The remaining balances, along with the full loan balances for the other loan types are then multiplied by an adjusted loss ratio, which is the sum of both the historical loss ratio and a qualitative factor adjustment. Generally both the historical loss ratio and the qualitative factor adjustment will increase as the credit rating of the loan deteriorates. The credit ratings begin with unclassified loans, which represent the best internal credit rating, also referred to as a “pass” credit and then continue with declining grades of special mention, substandard, doubtful, and loss. Special mention loans are no longer deemed to be a “pass” credit and require additional management attention. They are essentially placed on “watched” status and attempts are made to improve the credit to an unclassified status. If the credit would deteriorate further it would then be a substandard credit, which for regulatory purposes, is deemed to be a classified loan. Doubtful and loss credit grades represent further credit deterioration and are also considered classified loans. For each loan type, all of these credit rating categories are broken out with adjusted loss ratios. The loan balance is then multiplied by the adjusted loss ratio to produce the required allowance. The allowances are totaled and added to any specific allocations on impaired loans to arrive at the total allowance for credit losses for the Corporation. Management tracks and assigns a historical loss percentage for each loan rating category within each loan type. A rolling three-year historical loss ratio, calculated on a quarterly basis, with a 60%, 30%, and 10% weighting for the past three years is used. In this manner the historical loss percentage is heavily weighted to the current loss environment, but has sufficient weighting assigned to prior periods to avoid unnecessary volatile fluctuations based on just one period’s data. Management currently utilizes nine qualitative factors that are adjusted based on changes in the lending environment and economic conditions. The qualitative factors include the following: · levels of and trends in delinquencies, non-accruals, and charge-offs, · trends in the nature and volume of the loan portfolio, · changes in lending policies and procedures, · experience, ability, and depth of lending personnel and management oversight, · national and local economic trends, · concentrations of credit, · external factors such as competition, legal, and regulatory requirements, · changes in the quality of loan review and Board oversight, · changes in the value of underlying collateral. The number of qualitative factors can change. Factors can be added for new risks or taken away if the risk no longer applies. Each loan type will have its own risk profile and management will evaluate and adjust each qualitative factor for each loan type quarterly, if necessary. For example, if one area of the loan portfolio is experiencing sharp increases in growth, it is likely the qualitative factor for trends in the loan portfolio would be increased for that loan type. As levels of delinquencies and non-accrual loans decline for any segment of the loan portfolio it is likely that factor would be reduced. In terms of the Corporation’s loan portfolio, the commercial and industrial loans and commercial real estate loans are deemed to have more risk than the consumer real estate loans and other consumer loans in the portfolio. The commercial loans not secured by real estate are highly dependent on their financial condition and therefore are more dependent on economic conditions. The commercial loans secured by real estate are also dependent on economic conditions but generally have stronger forms of collateral. Commercial real estate lending is highly impacted by the value of collateral so these commercial loans carry a higher qualitative factor for changes in collateral value. While the Corporation’s CRE loans have performed well historically, other commercial loans and commercial mortgage loans have historically been responsible for the majority of the Corporation’s delinquencies, non-accrual loans, and charge-offs, so both of these categories carry higher qualitative factors than consumer real estate loans and other consumer loans. The Corporation has historically experienced very low levels of consumer real estate and consumer loan charge-offs so these qualitative factors are set lower than the commercial real estate and commercial and industrial loans. Impaired and Non-Accrual Loans The definition of “impaired loans” is not the same as the definition of “non-accrual loans,” although the two categories overlap. Generally, a non-accrual loan will always be considered impaired due to payment delinquency or uncertain collection, but there are cases where an impaired loan is not considered non-accrual. The primary factors considered by management in determining impairment include payment status and collateral value, but could also include debt service coverage, financial health of the business, and other external factors that could impact the ability of the borrower to fully repay the loan. The amount of impairment for these types of loans is determined by the difference between the present value of the expected cash flows related to the loan using the original interest rate and its recorded value or, as a practical expedient in the case of collateral-dependent loans, the difference between the fair value of the collateral and the recorded amount of the loan. When foreclosure is probable, impairment is measured based on the fair value of the collateral on a discounted basis, relative to the loan amount. Management will place a business or commercial loan on non-accrual status when it is determined that the loan is impaired, or when the loan is 90 days past due. These customers will generally be placed on non-accrual status at the end of each quarter. Consumer loans over 90 days delinquent are generally charged off, or in the case of residential real estate loans the Corporation will seek to bring the customer current or pursue foreclosure options. When the borrower is on non-accrual, the Corporation will reverse any accrued interest on the books and will discontinue recognizing any interest income until the borrower is placed back on accrual status or fully pays off the loan balance plus any accrued interest. Payments received by the customer while the loan is on non-accrual are fully applied against principal. The Corporation maintains records of the full amount of interest that is owed by the borrower. A non-accrual loan will generally only be placed back on accrual status after the borrower has become current and has demonstrated six consecutive months of non-delinquency. Allowance for Off-Balance Sheet Extensions of Credit The Corporation maintains an allowance for off-balance sheet extensions of credit, which would include any unadvanced amount on lines of credit and any letters of credit provided to borrowers. The allowance is carried as a liability and is included in other liabilities on the Corporation’s Consolidated Balance Sheets. The liability was $798,000 as of December 31, 2020, and $436,000 as of December 31, 2019. As the unadvanced portion of lines of credit increases, this provision will increase. Management follows the same methodology as the allowance for credit losses when calculating the allowance for off-balance sheet extensions of credit, with the exception of multiplying the unadvanced total by a high/low balance variance to arrive at the expected unadvanced portion that could be drawn upon at any time, or the amount at risk. The unadvanced amounts for each loan segment are broken down by credit classification. A historical loss ratio and qualitative factor are calculated for each credit classification by loan type. The historical loss ratio and qualitative factor are combined to produce an adjusted loss ratio, which is multiplied by the amount at risk for each credit classification within each loan segment to arrive at an allocation. The allocations are summed to arrive at the total allowance for off-balance sheet extensions of credit. Other Real Estate Owned (OREO) OREO represents properties acquired through customer loan defaults. These properties are recorded at the lower of cost or fair value less projected disposal costs at acquisition date. Fair value is determined by current appraisals. Costs associated with holding OREO are charged to operational expense. OREO is a component of other assets on the Corporation’s Consolidated Balance Sheets. The Corporation had no OREO as of December 31, 2020, or December 31, 2019. Mortgage Servicing Rights (MSRs) The Corporation has agreements for the express purpose of selling residential mortgage loans on the secondary market, referred to as mortgage servicing rights. The Corporation maintains all servicing rights for loans currently sold through FHLB and Fannie Mae. The Corporation had $1,076,000 of MSRs as of December 31, 2020, compared to $892,000 as of December 31, 2019. The value of MSRs increased during 2020 as valuation of new assets outpaced amortization on existing assets. The year ended December 31, 2020, was a year of record mortgage volume resulting in this increase in MSRs. Management expects MSRs to continue to grow going forward as a result of continued refinance volume and new mortgage originations. The value of newly originated MSRs is determined by estimating the life of the mortgage and how long the Corporation will have access to the servicing income stream to determine the relative fair value. The Corporation utilizes a third party that calculates the MSR valuation on a quarterly basis. A longer estimated life would increase the MSR valuation, while a shorter estimated life would decrease the value of the MSR. Management records the MSR value based on the third-party reporting. Ultimately the value of the MSRs would be at what level a willing buyer and seller would exchange the MSRs. MSRs are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio. Impairment is evaluated based on the fair value of the rights, portfolio interest rates, and prepayment characteristics. MSRs are a component of other assets on the Consolidated Balance Sheets. The following chart provides the activity of the Corporation’s mortgage servicing rights for the years ended December 31, 2020 and 2019. MORTGAGE SERVICING RIGHTS (DOLLARS IN THOUSANDS) December 31, 2020 2019 $ $ Beginning Balance 892 905 Additions 753 284 Amortization (420 ) (242 ) Disposals (149 ) (55 ) Ending Balance 1,076 892 Premises and Equipment Land is carried at cost. Premises and equipment are carried at cost, less accumulated depreciation. Book depreciation is computed using straight-line methods over the estimated useful lives of generally fifteen to thirty-nine years for buildings and improvements and four to ten years for furniture and equipment. Maintenance and repairs of property and equipment are charged to operational expense as incurred, while major improvements are capitalized. Net gains or losses upon disposition are included in other income or operational expense, as applicable. Transfer of Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Bank-Owned Life Insurance (BOLI) BOLI is carried by the Corporation at the cash surrender value of the underlying policies. Income earned on the policies is based on any increase in cash surrender value less the cost of the insurance, which varies according to age and health of the insured. The life insurance policies owned by the Corporation had a cash surrender value of $29,646,000 and $28,818,000 as of December 31, 2020, and 2019, respectively. The increase in BOLI cash surrender value was primarily due to normal appreciation of existing policies as a result of returns exceeding expenses. Leases The Company has operating leases for several branch locations and office space. Generally, the underlying lease agreements do not contain any material residual value guarantees or material restrictive covenants. The Company may also lease certain office equipment under operating leases. Many of our leases include both lease (e.g., minimum rent payments) and non-lease components (e.g., common-area or other maintenance costs). The Company accounts for each component separately based on the standalone price of each component. In addition, there are several operating leases with lease terms of less than one year and therefore, we have elected the practical expedient to exclude these short-term leases from our right of use assets and lease liabilities. Most leases include one or more options to renew. The exercise of lease renewal options is typically at the sole discretion of management and is based on whether the extension options are reasonably certain to be exercised after giving proper consideration to all facts and circumstances of the lease. If management determines that the Company is reasonably certain to exercise the extension option(s), the additional term is included in the calculation of the lease liability. As most of our leases do not provide an implicit rate, we use the fully collateralized FHLB borrowing rate, commensurate with the lease terms based on the information available at the lease commencement date in determining the present value of the lease payments Advertising Costs The Corporation expenses advertising costs as incurred. Advertising costs for the years ended December 31, 2020 and 2019 were $894,000 and $820,000, respectively. Income Taxes An asset and liability approach is followed for financial accounting and reporting for income taxes. Accordingly, a net deferred tax asset or liability is recorded in the consolidated financial statements for the tax effects of temporary differences, which are items of income and expense reported in different periods for income tax and financial reporting purposes. Deferred tax expense is determined by the change in the assets or liabilities related to deferred income taxes. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. Earnings per Share The Corporation currently maintains a simple capital structure with no stock option plans that would have a dilutive effect on earnings per share. Earnings per share are calculated by dividing net income by the weighted-average number of shares outstanding for the periods. Comprehensive Income The Corporation is required to present comprehensive income in a full set of general-purpose consolidated financial statements for all periods presented. Other comprehensive income consists of unrealized holding gains and losses on the available for sale securities portfolio. Segment Disclosure U.S. generally accepted accounting principles establish standards for the manner in which public business enterprises report information about segments in the annual financial statements and requires that those enterprises report selected information about operating segments in interim financial reports issued to shareholders. It also establishes standards for related disclosures regarding financial products and services, geographic areas, and major customers. The Corporation has only one operating segment consisting of its banking and fiduciary operations. Retirement Plans The Corporation provides an optional 401(k) plan, in which employees may elect to defer pre-tax salary dollars, subject to the maximum annual Internal Revenue Service contribution amounts. The Corporation will match 50% of employee contributions up to 5%, limiting the match to 2.5%. As part of the 401(k) Plan, the Corporation also has a noncontributory Profit Sharing Plan which covers substantially all employees. The Corporation provides a 3% non-elective contribution to all employees and contributes a 2% elective contribution to all employees aged 21 or older who work 1,000 or greater hours in a calendar year and have completed at least one full year of employment. Trust Assets and Income Assets held by ENB’s Money Management Group in a fiduciary or agency capacity for customers are not included in the Corporation’s Consolidated Balance Sheets since these items are not assets of the Corporation. In accordance with banking industry practice, trust income is recognized on a cash basis; as such income does not differ significantly from amounts that would be recognized on an accrual basis. Trust income is reported in the Corporation’s Consolidated Statements of Income under other income. Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Topic 606, Revenue from Contracts with Customers (Topic 606). The Corporation’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Corporation has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Corporation generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers. Reclassification of Comparative Amounts Certain comparative amounts for the prior year have been reclassified to conform to current-year classifications. Such reclassifications had no material effect on net income or stockholders’ equity. Recently Issued Accounting Standards In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments In August 2018, the FASB issued ASU 2018-14, Compensation – Retirement Benefits (Topic 715-20). In August 2018, the FASB issued ASU 2018-15, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40). In November 2018, the FASB issued ASU 2018-19, Codification Improvements to Topic 326, Financial Instruments ‒ Credit Losses In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses (Topic 326) In November 2019, the FASB issued ASU 2019-11, Codification Improvements to Topic 326, Financial Instruments – Credit Losses In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740) In January 2020, the FASB issued ASU 2020-01, Investments-Equity Securities (Topic 321), Investments-Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) In March 2020, the FASB issued ASU 2020-03 , Codification Improvements to Financial Instruments. Financial Instruments In January 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting, March 2020 In October 2020, the FASB issued ASU 2020-08, Codification Improvements to Subtopic 310-20, Receivables – Nonrefundable Fees and Other Costs, In October 2020, the FASB issued ASU 2020-09, Debt (Topic 470): Amendments to SEC Paragraphs Pursuant to SEC Release No. 33-10762 In October 2020, the FASB issued ASU 2020-10, Codification Improvements In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848)

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
SECURITIES	NOTE B - SECURITIES (DOLLARS IN THOUSANDS) DEBT SECURITIES The amortized cost and fair value of debt securities held at December 31, 2020, and 2019, are as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2020 U.S. government agencies 54,224 144 (7 ) 54,361 U.S. agency mortgage-backed securities 69,777 1,441 (166 ) 71,052 U.S. agency collateralized mortgage obligations 34,449 640 (54 ) 35,035 Asset-backed securities 60,387 433 (345 ) 60,475 Corporate bonds 60,387 1,348 (12 ) 61,723 Obligations of states and political subdivisions 187,132 6,727 (77 ) 193,782 Total securities available for sale 466,356 10,733 (661 ) 476,428 December 31, 2019 U.S. government agencies 32,621 31 (28 ) 32,624 U.S. agency mortgage-backed securities 48,859 215 (448 ) 48,626 U.S. agency collateralized mortgage obligations 60,124 323 (194 ) 60,253 Asset-backed securities 23,646 7 (391 ) 23,262 Corporate bonds 54,604 316 (40 ) 54,880 Obligations of states and political subdivisions 86,216 2,245 (9 ) 88,452 Total securities available for sale 306,070 3,137 (1,110 ) 308,097 The amortized cost and fair value of debt securities available for sale at December 31, 2020, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities due to certain call or prepayment provisions. CONTRACTUAL MATURITY OF DEBT SECURITIES (DOLLARS IN THOUSANDS) Amortized Cost Fair Value $ $ Due in one year or less 85,185 85,789 Due after one year through five years 105,606 107,758 Due after five years through ten years 58,674 59,869 Due after ten years 216,891 223,012 Total debt securities 466,356 476,428 Securities available for sale with a par value of $86,849,000 and $66,712,000 at December 31, 2020 and 2019, respectively, were pledged or restricted for public funds, borrowings, or other purposes as required by law. The fair market value of these pledged securities was $91,666,000 at December 31, 2020, and $68,732,000 at December 31, 2019. Proceeds from active sales of debt securities available for sale, along with the associated gross realized gains and gross realized losses, are shown below. Realized gains and losses are computed on the basis of specific identification. PROCEEDS FROM SALES OF SECURITIES AVAILABLE FOR SALE (DOLLARS IN THOUSANDS) Securities Available for Sale 2020 2019 $ $ Proceeds from sales 54,291 39,859 Gross realized gains 836 443 Gross realized losses 27 32 Information pertaining to securities with gross unrealized losses at December 31, 2020, and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous loss position follows: TEMPORARY IMPAIRMENTS OF SECURITIES (DOLLARS IN THOUSANDS) Less than 12 months More than 12 months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses $ $ $ $ $ $ As of December 31, 2020 U.S. government agencies 42,988 (7 ) — — 42,988 (7 ) U.S. agency mortgage-backed securities 15,995 (157 ) 2,221 (9 ) 18,216 (166 ) U.S. agency collateralized mortgage obligations 12,933 (54 ) — — 12,933 (54 ) Asset-backed securities 8,465 (20 ) 18,080 (325 ) 26,545 (345 ) Corporate bonds — — 3,016 (12 ) 3,016 (12 ) Obligations of states & political subdivisions 15,666 (77 ) — — 15,666 (77 ) Total temporarily impaired securities 96,047 (315 ) 23,317 (346 ) 119,364 (661 ) As of December 31, 2019 U.S. government agencies 1,222 (3 ) 15,971 (25 ) 17,193 (28 ) U.S. agency mortgage-backed securities 5,040 (32 ) 24,027 (416 ) 29,067 (448 ) U.S. agency collateralized mortgage obligations 17,457 (50 ) 17,512 (144 ) 34,969 (194 ) Asset-backed securities 10,278 (169 ) 9,126 (222 ) 19,404 (391 ) Corporate bonds 2,562 (4 ) 13,041 (36 ) 15,603 (40 ) Obligations of states & political subdivisions 2,642 (9 ) — — 2,642 (9 ) Total temporarily impaired securities 39,201 (267 ) 79,677 (843 ) 118,878 (1,110 ) In the debt security portfolio, there are 50 positions carrying unrealized losses as of December 31, 2020. There were no instruments considered to be other-than-temporarily impaired at December 31, 2020. The Corporation evaluates both equity and fixed income positions for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic and market concerns warrant such evaluation. Equity investments are bank stocks held by the Corporation with no maturity date, whereas the fixed income positions are bonds held by the Corporation with fixed maturity dates. U.S. generally accepted accounting principles provide for the bifurcation of OTTI into two categories: (a) the amount of the total OTTI related to a decrease in cash flows expected to be collected from the debt security (the credit loss), which is recognized in earnings, and (b) the amount of total OTTI related to all other factors, which is recognized, net of taxes, as a component of accumulated other comprehensive income (loss). EQUITY SECURITIES The following tables summarize the amortized cost, gross unrealized gains and losses, and fair value of equity securities held at December 31, 2020 and December 31, 2019. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2020 CRA-qualified mutual funds 6,176 — — 6,176 Bank stocks 982 53 (106 ) 929 Total equity securities 7,158 53 (106 ) 7,105 Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2019 CRA-qualified mutual funds 6,071 — — 6,071 Bank stocks 614 26 (3 ) 637 Total equity securities 6,685 26 (3 ) 6,708 The following table presents the net gains and losses on the Corporation’s equity investments recognized in earnings during the year ended December 31, 2020 and 2019, and the portion of unrealized gains and losses for the periods that relates to equity investments held as of December 31, 2020 and 2019. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Year Ended Year Ended December 31, December 31, $ $ Net gains (losses) recognized in equity securities during the period (76 ) 88 Less: Net gains realized on the sale of equity securities during the period — 16 Unrealized gains (losses) recognized in equity securities held at reporting date (76 ) 72 No equity securities were sold during 2020, but proceeds from the sales of equity securities totaled $168,000 in 2019.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
LOANS AND ALLOWANCE FOR CREDIT LOSSES	NOTE C - LOANS AND ALLOWANCE FOR CREDIT LOSSES The following table presents the Corporation’s loan portfolio by category of loans for 2020 and 2019. LOAN PORTFOLIO (DOLLARS IN THOUSANDS) December 31, 2020 2019 $ $ Commercial real estate Commercial mortgages 142,698 120,212 Agriculture mortgages 176,005 175,367 Construction 23,441 16,209 Total commercial real estate 342,144 311,788 Consumer real estate (a) 1-4 family residential mortgages 263,569 258,676 Home equity loans 10,708 9,770 Home equity lines of credit 71,290 70,809 Total consumer real estate 345,567 339,255 Commercial and industrial Commercial and industrial 97,896 58,019 Tax-free loans 10,949 16,388 Agriculture loans 20,365 20,804 Total commercial and industrial 129,210 95,211 Consumer 5,155 5,416 Gross loans prior to deferred costs and allowance for loan losses 822,076 751,670 Deferred loan costs, net 1,294 1,948 Allowance for credit losses (12,327 ) (9,447 ) Total net loans 811,043 744,171 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $235,437,000 and $154,577,000 as of December 31, 2020, and 2019, respectively. The Corporation grades commercial credits differently than consumer credits. The following tables represent all of the Corporation’s commercial credit exposures by internally assigned grades as of December 31, 2020 and 2019. The grading analysis estimates the capability of the borrower to repay the contractual obligations under the loan agreements as scheduled or at all. The Corporation's internal commercial credit risk grading system is based on experiences with similarly graded loans. The Corporation's internally assigned grades for commercial credits are as follows: · Pass – loans which are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral. · Special Mention – loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected. · Substandard – loans that have a well-defined weakness based on objective evidence and characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. · Doubtful – loans classified as doubtful have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances. · Loss – loans classified as a loss are considered uncollectible, or of such value that continuance as an asset is not warranted. COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) Commercial Commercial Agriculture and Tax-free Agriculture December 31, 2020 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 133,853 166,102 21,142 87,767 10,949 18,586 438,399 Special Mention 3,683 1,651 2,299 5,592 — 774 13,999 Substandard 5,162 8,252 — 4,537 — 1,005 18,956 Doubtful — — — — — — — Loss — — — — — — — Total 142,698 176,005 23,441 97,896 10,949 20,365 471,354 COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) Commercial Commercial Agriculture and Tax-free Agriculture December 31, 2019 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 117,875 158,896 16,209 52,028 16,388 18,530 379,926 Special Mention 827 4,546 — 618 — 939 6,930 Substandard 1,510 11,925 — 5,293 — 1,335 20,063 Doubtful — — — 80 — — 80 Loss — — — — — — — Total 120,212 175,367 16,209 58,019 16,388 20,804 406,999 For consumer loans, the Corporation evaluates credit quality based on whether the loan is considered performing or non-performing. A consumer loan is considered non-performing when it is over 90 days past due. Management will generally charge off consumer loans more than 120 days past due for closed end loans and over 180 days for open-end consumer loans. The following table presents the balances of consumer loans by classes of the loan portfolio based on payment performance as of December 31, 2020 and 2019: CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2020 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 262,185 10,708 71,267 5,141 349,301 Non-performing 1,384 — 23 14 1,421 Total 263,569 10,708 71,290 5,155 350,722 CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2019 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 257,374 9,678 70,799 5,412 343,263 Non-performing 1,302 92 10 4 1,408 Total 258,676 9,770 70,809 5,416 344,671 The following tables present an age analysis of the Corporation’s past due loans, segregated by loan portfolio class, as of December 31, 2020 and 2019: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Greater Receivable > 30-59 Days 60-89 Days than 90 Total Past Total Loans 90 Days and December 31, 2020 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — — 208 208 142,490 142,698 — Agriculture mortgages — — — — 176,005 176,005 — Construction — — — — 23,441 23,441 — Consumer real estate 1-4 family residential mortgages 618 — 1,384 2,002 261,567 263,569 1,336 Home equity loans 1 — — 1 10,707 10,708 — Home equity lines of credit — — 23 23 71,267 71,290 23 Commercial and industrial Commercial and industrial — — 469 469 97,427 97,896 — Tax-free loans — — — — 10,949 10,949 — Agriculture loans 42 — — 42 20,323 20,365 — Consumer 23 3 14 40 5,115 5,155 14 Total 684 3 2,098 2,785 819,291 822,076 1,373 AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans December 31, 2019 Greater Receivable > 30-59 Days 60-89 Days than 90 Total Past Total Loans 90 Days and Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — — 228 228 119,984 120,212 — Agriculture mortgages 962 — 1,070 2,032 173,335 175,367 — Construction — — — — 16,209 16,209 — Consumer real estate 1-4 family residential mortgages 2,254 161 1,302 3,717 254,959 258,676 807 Home equity loans 52 — 92 144 9,626 9,770 — Home equity lines of credit 43 — 10 53 70,756 70,809 10 Commercial and industrial Commercial and industrial 68 — 538 606 57,413 58,019 — Tax-free loans — — — — 16,388 16,388 — Agriculture loans 2 — — 2 20,802 20,804 — Consumer 14 12 4 30 5,386 5,416 4 Total 3,395 173 3,244 6,812 744,858 751,670 821 As of December 31, 2020, and 2019, all of the Corporation’s non-homogeneous loans on non-accrual status were also considered impaired. Interest income on loans would have increased by approximately $54,000 and ,000 The following table presents non-accrual loans by classes of the loan portfolio as of December 31: NON-ACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) 2020 2019 $ $ Commercial real estate Commercial mortgages 208 228 Agriculture mortgages — 1,070 Construction — — Consumer real estate 1-4 family residential mortgages 48 495 Home equity loans — 92 Home equity lines of credit — — Commercial and industrial Commercial and industrial 469 538 Tax-free loans — — Agriculture loans — — Consumer — — Total 725 2,423 There was one loan modification made during the third quarter of 2020 that would be considered a troubled debt restructuring (TDR). One $3.6 million loan was restructured to provide relief to the commercial borrower by reducing the interest rate, providing a six-month interest only period, and extending the amortization period by an additional nine years. In addition to this TDR, deferments of principal related to the impact of COVID-19 did occur beginning in late March 2020, however these modifications are not considered a TDR under the revised COVID-19 regulatory guidance. There was one loan modification that occurred during the first quarter of 2019, constituting a TDR. A modification of the payment terms to a loan customer are considered a TDR if a concession was made to a borrower that is experiencing financial difficulty. A concession is generally defined as more favorable payment or credit terms granted to a borrower in an effort to improve the likelihood of the lender collecting principal in its entirety. Concessions usually are in the form of interest only for a period of time, or a lower interest rate offered in an effort to enable the borrower to continue to make normally scheduled payments. As of December 31, 2020 and 2019, included within the allowance for credit losses are reserves of $1,131,000 and $60,000, respectively, that are associated with loans modified as a TDR. There were no TDRs that have subsequently defaulted within one year of modification as of December 31, 2020 and 2019. In the first quarter of 2019, a loan modification was made on a $718,000 agricultural mortgage which moved the timing of the annual principal payment and changed interest payments from monthly to annually. The farmer had suffered a fire loss in late 2018 impacting one year’s harvest. The principal and interest payment due date was reset to November 15, 2019, when it was paid. No other loans were modified during 2019 or 2020. The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2020: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 256 318 — 798 — Agriculture mortgages 806 835 — 1,170 46 Construction — — — — — Total commercial real estate 1,062 1,153 — 1,968 46 Commercial and industrial Commercial and industrial 469 504 — 513 23 Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 469 504 — 513 23 Total with no related allowance 1,531 1,657 — 2,481 69 With an allowance recorded: Commercial real estate Commercial mortgages 3,581 3,581 1,110 1,468 57 Agriculture mortgages 651 651 21 679 34 Construction — — — — — Total commercial real estate 4,232 4,232 1,131 2,147 91 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with a related allowance 4,232 4,232 1,131 2,147 91 Total by loan class: Commercial real estate Commercial mortgages 3,837 3,899 1,110 2,266 57 Agriculture mortgages 1,457 1,486 21 1,849 80 Construction — — — — — Total commercial real estate 5,294 5,385 1,131 4,115 137 Commercial and industrial Commercial and industrial 469 504 — 513 23 Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 469 504 — 513 23 Total 5,763 5,889 1,131 4,628 160 The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2019: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 723 765 — 859 — Agriculture mortgages 1,912 1,928 — 1,903 43 Construction — — — — — Total commercial real estate 2,635 2,693 — 2,762 43 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with no related allowance 2,635 2,693 — 2,762 43 With an allowance recorded: Commercial real estate Commercial mortgages 93 100 49 93 — Agriculture mortgages 718 718 60 760 — Construction — — — — — Total commercial real estate 811 818 109 853 — Commercial and industrial Commercial and industrial 538 549 80 261 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 538 549 80 261 — Total with a related allowance 1,349 1,367 189 1,114 — Total by loan class: Commercial real estate Commercial mortgages 816 865 49 952 — Agriculture mortgages 2,630 2,646 60 2,663 43 Construction — — — — — Total commercial real estate 3,446 3,511 109 3,615 43 Commercial and industrial Commercial and industrial 538 549 80 261 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 538 549 80 261 — Total 3,984 4,060 189 3,876 43 The following table details activity in the allowance for credit losses by portfolio segment for the year ended December 31, 2020: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Commercial Consumer and Real Estate Real Estate Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance 4,319 2,855 1,784 41 448 9,447 Charge-offs (45 ) — (23 ) (20 ) — (88 ) Recoveries 11 — 4 3 — 18 Provision 2,044 594 207 28 77 2,950 Ending balance 6,329 3,449 1,972 52 525 12,327 Ending balance: individually evaluated for impairment 1,131 — — — — 1,131 Ending balance: collectively evaluated for impairment 5,198 3,449 1,972 52 525 11,196 Loans receivable: Ending balance 342,144 345,567 129,210 5,155 822,076 Ending balance: individually evaluated for impairment 5,294 — 469 — 5,763 Ending balance: collectively evaluated for impairment 336,850 345,567 128,741 5,155 816,313 The dollar amount of the allowance increased for all loan segments since December 31, 2019. The higher provision in the commercial real estate sector was due to a specific allocation of $1.1 million for a customer with ongoing business concerns. The higher provisions across the other categories were primarily caused by increasing the qualitative factors across all industry lines to various degrees as a result of the impact and effect from COVID-19 and the declining economic conditions. There were minimal charge-offs and recoveries recorded during the year ended December 31, 2020, so the provision expense was primarily related to the specific allocation as well as the change in economic conditions and potential for credit declines moving forward. The Corporation’s allowance allocation is still overweighted toward commercial real estate loans due to the higher historical losses experienced. Approximately 51% of the allowance is dedicated to this sector that comprises 42% of total loan balances. This compares to 28% of the allowance being allocated to the consumer real estate sector which comprises 42% of all loan balances. Losses on consumer real estate have traditionally been lower than commercial loans. The commercial and industrial sector has 16% of the allowance allocated and comprises 16% of loan balances. Commercial and industrial historical losses have generally been lower than commercial real estate but higher than consumer real estate, based on loan balances outstanding. The December 31, 2020 ending balance of the allowance was up $2,880,000, or 30.5%, from December 31, 2019, and the allowance as a percentage of total loans was 1.50% as of December 31, 2020, and 1.25% as of December 31, 2019. The following table details activity in the allowance for credit losses by portfolio segment for the year ended December 31, 2019: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Commercial Consumer and Real Estate Real Estate Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance 4,296 2,408 1,428 103 431 8,666 Charge-offs (122 ) — (63 ) (26 ) — (211 ) Recoveries 170 1 48 3 — 222 Provision (credit) (25 ) 446 371 (39 ) 17 770 Ending balance 4,319 2,855 1,784 41 448 9,447 Ending balance: individually evaluated for impairment 109 — 80 — — 189 Ending balance: collectively evaluated for impairment 4,210 2,855 1,704 41 448 9,258 Loans receivable: Ending balance 311,788 339,255 95,211 5,416 751,670 Ending balance: individually evaluated for impairment 3,446 — 538 — 3,984 Ending balance: collectively evaluated for impairment 308,342 339,255 94,673 5,416 747,686 The dollar amount of the allowance increased for all loan segments except consumer from December 31, 2018 to December 31, 2019. Loan growth was the direct cause of the higher allowance balances, with the levels of charge offs being relatively low in 2019 at $211,000, and more than offset by $222,000 of recoveries. A larger amount of recoveries than charge-offs in commercial loans allowed for a credit provision, whereas under commercial and industrial loans the charge offs as a percentage of loan balance were more pronounced. This increased the historical loss ratios, causing the allocation of additional provision expense of $371,000. The decline in allowance allocated to the consumer loans was due to smaller balances in this loan segment as a large consumer loan paid off in 2019. Impaired loans increased by $1,275,000 from December 31, 2018 to December 31, 2019, which did cause a $57,000 increase in the specific allocation of provision expense on these loans.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	NOTE D – PREMISES AND EQUIPMENT (DOLLARS IN THOUSANDS ) The major classes of the Corporation’s premises and equipment and accumulated depreciation are as follows: December 31, 2020 2019 $ $ Land 5,043 5,043 Buildings and improvements 29,742 29,610 Furniture and equipment 15,890 15,240 Construction in process 385 104 Total 51,060 49,997 Less accumulated depreciation (26,300 ) (24,964 ) Premises and equipment 24,760 25,033 Depreciation expense, which is included in operating expenses, amounted to $1,377,000 for 2020, and $1,446,000 for 2019. The construction in process category represents expenditures for ongoing projects. When construction is completed, these amounts will be reclassified into buildings and improvements, and/or furniture and equipment. Depreciation only begins when the project or asset is placed into service. As of December 31, 2020 and 2019, the construction in process consists primarily of costs associated with various small projects.

REGULATORY STOCK

REGULATORY STOCK	12 Months Ended
	Dec. 31, 2020
Federal Home Loan Bank Stock and Federal Reserve Bank Stock [Abstract]
REGULATORY STOCK	NOTE E – REGULATORY STOCK The Bank is a member of the Federal Home Loan Bank (FHLB) of Pittsburgh, which is one of 12 regional Federal Home Loan Banks. Each FHLB serves as a reserve or central bank for its members within its assigned region. As a member, the Bank is required to purchase and maintain stock in the FHLB in an amount equal to 0.10% of its asset value plus an additional 4% of its outstanding advances from the FHLB and mortgage partnership finance loans sold to the FHLB. At December 31, 2020, the Bank held $5,919,000 in stock of the FHLB compared to $7,103,000 as of December 31, 2019. The FHLB repurchases excess capital stock on a quarterly basis and pays a quarterly dividend on stock held by the Corporation. The FHLB’s quarterly dividend yield was 6.25% annualized on activity stock and 4.50% annualized on membership stock as of December 31, 2020. Most of the Corporation’s dividend is based on the activity stock, which is based on the amount of borrowings and mortgage activity with FHLB. The Corporation will continue to monitor the financial condition of the FHLB quarterly to assess its ability to continue to regularly repurchase excess capital stock and pay a quarterly dividend. The Corporation also owned $151,000 of Federal Reserve Bank stock and $37,000 of Atlantic Community Bancshares, Inc. stock, the Bank Holding Company of ACBB, as of December 31, 2020 and December 31, 2019.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2020
Deposits:
DEPOSITS	NOTE F – DEPOSITS (DOLLARS IN THOUSANDS) Deposits by major classifications are summarized as follows: December 31, 2020 2019 $ $ Non-interest bearing demand 534,853 363,857 Interest-bearing demand 47,092 25,171 NOW accounts 137,279 96,941 Money market deposit accounts 140,113 141,649 Savings accounts 274,386 211,285 Time deposits under $250,000 111,001 126,796 Time deposits of $250,000 or more 8,087 8,389 Total deposits 1,252,811 974,088 At December 31, 2020, the scheduled maturities of time deposits are as follows: 2021 68,116 2022 17,267 2023 10,592 2024 16,104 2025 7,009 Total 119,088

SHORT TERM BORROWINGS

SHORT TERM BORROWINGS	12 Months Ended
	Dec. 31, 2020
Short-term Debt [Abstract]
SHORT TERM BORROWINGS	NOTE G – SHORT TERM BORROWINGS (DOLLARS IN THOUSANDS) Short-term borrowings consist of Federal funds purchased that mature one business day from the transaction date, overnight borrowings from the Federal Reserve Discount Window, and FHLB advances with a term of less than one year. A summary of short-term borrowings is as follows for the years ended December 31, 2020 and 2019: 2020 2019 $ $ Total short-term borrowings outstanding at year end — 200 Average interest rate at year end — 1.95% Maximum outstanding at any month end 11,012 7,747 Average amount outstanding for the year 2,342 1,890 Weighted-average interest rate for the year 0.33% 2.55% As of December 31, 2020, the Corporation had approved unsecured Federal funds lines of $32 million. The Corporation also has the ability to borrow through the FRB Discount Window. The amount of borrowing available through the Discount Window was $49.5 million as of December 31, 2020. For further information on borrowings from the FHLB see Note H.

OTHER BORROWED FUNDS

OTHER BORROWED FUNDS	12 Months Ended
	Dec. 31, 2020
Long-term Debt, Unclassified [Abstract]
OTHER BORROWED FUNDS	NOTE H – OTHER BORROWED FUNDS (DOLLARS IN THOUSANDS) Federal Home Loan Bank (FHLB) Borrowings Maturities of FHLB borrowings at December 31, 2020, and 2019, are summarized as follows: December 31, 2020 2019 Weighted- Weighted- Average Average Amount Rate Amount Rate $ % $ % FHLB fixed rate loans 2020 — — 16,340 1.85 2021 — — 14,505 1.72 2022 10,584 2.13 15,804 1.84 2023 13,816 2.77 13,816 2.77 2024 17,407 2.02 17,407 2.02 2025 12,983 1.47 — — Total other borrowings 54,790 2.10 77,872 2.02 All of the Corporation’s long term borrowed funds were through the FHLB of Pittsburgh as of December 31, 2020 and 2019. As a member of the FHLB of Pittsburgh, the Corporation has access to significant credit facilities. Borrowings from FHLB are secured with a blanket security agreement and the required investment in FHLB member bank stock. As part of the security agreement, the Corporation maintains unencumbered qualifying assets (principally 1-4 family residential mortgage loans) in an amount at least as much as the advances from the FHLB. Additionally, all of the Corporation’s FHLB stock is pledged to secure these advances. The Corporation had an FHLB maximum borrowing capacity of $471.0 million as of December 31, 2020, with remaining borrowing capacity of $416.2 million. The borrowing arrangement with the FHLB is subject to annual renewal. The maximum borrowing capacity is recalculated quarterly. Subordinated Debt Subordinated debt at December 31, 2020 and 2019 was as follows: (Dollars in thousands) December 31, 2020 2019 Carrying Carrying Issued Amount Amount Rate Amount Issued by Ranking $ $ % $ Date Issued Maturity ENB Financial Corp Subordinated (1)(2) 19,601 — 4.00% 20,000 12/30/20 12/30/30 (1) The subordinated notes qualify as Tier 2 capital for regulatory capital purposes. (2) ENB Financial Corp has the ability to call the subordinated notes, in whole, or in part, at a redemption price equal to 100% of the principal balance at certain times on or after December 30, 2025.

CAPITAL TRANSACTIONS

CAPITAL TRANSACTIONS	12 Months Ended
	Dec. 31, 2020
Class of Stock Disclosures [Abstract]
CAPITAL TRANSACTIONS	NOTE I – CAPITAL TRANSACTIONS On February 20, 2019, the Board of Directors of the Corporation approved a plan to repurchase, in the open market and privately renegotiated transactions, up to 100,000 shares of its outstanding common stock. This plan replaced the 2015 plan. The first purchase of common stock under this plan occurred on May 13, 2019. The total number of shares authorized to be repurchased under the plan was increased to 200,000 pursuant to the 2-for-1 stock split, which became effective on June 28, 2019. By October 21, 2020, a total of 176,669 shares were repurchased at a total cost of $3,596,000 for an average cost per share of $20.35. On October 21, 2020, the Board of Directors of the Corporation approved a plan to repurchase, in open market and privately negotiated transactions, up to 200,000 shares of its outstanding common stock. This current plan replaces the 2019 plan. The first purchase of common stock under this plan occurred on October 23, 2020. By December 31, 2020, a total of 10,000 shares were repurchased at a total cost of $187,000, for an average cost per share of $18.70. Shares repurchased under these plans were held as treasury shares to be utilized in connection with the Corporation’s three stock purchase plans. Currently, the following three stock purchase plans are in place: · a nondiscriminatory employee stock purchase plan (ESPP), which allows employees to purchase shares at a 10% discount from the stock’s fair market value at the end of each quarter, · a dividend reinvestment plan (DRP), and; · a directors’ stock purchase plan (DSPP). The ESPP was started in 2001 and is the largest of the three plans. There were 20,624 shares issued through the ESPP in 2020 with 255,888 shares issued since existence. The DRP was started in 2005 and has grown to nearly as large as the ESPP with 12,773 shares issued in 2020 and 217,226 total shares issued since existence. Lastly, the DSPP was started in 2010 as an additional option for board compensation. This plan is limited to outside directors. Only 1,494 shares were issued in connection with this plan in 2020 and 37,532 since existence. In 2019, there were 17,421 shares issued through the ESPP, 12,783 shares issued through the DRP, and 1,540 shares issued through the DSPP. The plans are beneficial to the Corporation as all reissued shares increase capital and since dividends are paid out in the form of additional shares, the plans act as a source of funds. The total amount of shares issued from Treasury for these plans collectively in 2020 and 2019 was 34,891 and 31,744, respectively. As of December 31, 2020, the Corporation held 172,884 treasury shares, at a weighted-average cost of $19.84 per share, with a cost basis of $3,430,000.

RETIREMENT PLANS

RETIREMENT PLANS	12 Months Ended
	Dec. 31, 2020
Retirement Benefits [Abstract]
RETIREMENT PLANS	NOTE J – RETIREMENT PLANS The Corporation has a 401(k) Savings Plan under which the Corporation makes an employer matching contribution, a non-elective safe harbor contribution and a discretionary non-elective profit sharing contribution. Employee contributions to the plan are subject to the maximum annual Internal Revenue Service contribution amounts which were $19,500 for 2020, and $19,000 for 2019, for persons under age 50, and for persons over age 50 was $26,000 in 2020 and $25,000 in 2019. The Corporation’s cost for this 401(k) match was $398,000 and $363,000 for 2020 and 2019, respectively. The employer non-elective safe harbor contribution is 3% of all employee compensation for the year. Based on the performance of the Corporation the Compensation Committee determined the discretionary non-elective profit sharing contribution would be 2% of all eligible employee compensation. For the Corporation, the expense of the 401(k) matching contribution will be smaller than the non-elective safe harbor and the discretionary non-elective profit sharing expenses as the Corporation is matching a maximum of up to 2.5% of salary, depending on employee contributions, compared to contributing up to 5.0% of eligible employee’s salaries in the safe harbor and discretionary profit sharing contributions. For purposes of the 401(k) Savings Plan, covered compensation was limited to $285,000 in 2020 and $280,000 in 2019. Total expenses of the plan were $622,000 and $692,000, for 2020 and 2019, respectively. The Corporation’s 401(k) Savings Plan is fully funded as all obligations are funded monthly.

DEFERRED COMPENSATION

DEFERRED COMPENSATION	12 Months Ended
	Dec. 31, 2020
Deferred Compensation Arrangements [Abstract]
DEFERRED COMPENSATION	NOTE K - DEFERRED COMPENSATION Prior to 1999, directors of the Corporation had the ability to defer their directors’ fees into a directors’ deferred compensation plan. Directors electing to defer their compensation signed a contract that allowed the Corporation to take out a life insurance policy on the director designed to fund the future deferred compensation obligation, which is paid out over a ten-year period at retirement age. A contract and life insurance policy was taken out for each period of pay deferred. The amount of deferred compensation to be paid to each director was actuarially determined based on the amount of life insurance the annual directors’ fees were able to purchase. This amount varies for each director depending on age, general health, and the number of years until the director is entitled to begin receiving payments. The Corporation is the owner and beneficiary of all life insurance policies on the directors. At the time the directors’ pay was deferred, the Corporation used the amount of the annual directors’ fees to pay the premiums on the life insurance policies. The Corporation could continue to pay premiums after the deferment period, or could allow the policies to fund annual premiums through loans against the policy’s cash surrender value. The Corporation has continued to pay the premiums on the life insurance policies and no loans exist on the policies. The life insurance policies had an aggregate face amount of $3,409,000 for December 31, 2020, and December 31, 2019. The death benefits totaled $6,734,000 at December 31, 2020, and $6,768,000 at December 31, 2019. The cash surrender value of the above policies totaled $5,177,000 and $4,980,000 as of December 31, 2020, and 2019, respectively.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
INCOME TAXES	NOTE L - INCOME TAXES Federal income tax expense as reported differs from the amount computed by applying the statutory Federal income tax rate to income before taxes. A reconciliation of the differences by amount and percent is as follows: FEDERAL INCOME TAX SUMMARY (DOLLARS IN THOUSANDS) Year Ended December 31, 2020 2019 $ % $ % Income tax at statutory rate 3,063 21.0 2,839 21.0 Tax-exempt interest income (695 ) (4.8 ) (650 ) (4.8 ) Non-deductible interest expense 50 0.3 56 0.4 Bank-owned life insurance (151 ) (1.0 ) (153 ) (1.1 ) Other 18 0.1 34 0.2 Income tax expense 2,285 15.6 2,126 15.7 The ability to realize the benefit of deferred tax assets is dependent upon a number of factors, including the generation of future taxable income, the ability to carry back losses to recover taxes paid in previous years, the ability to offset capital losses with capital gains, the reversal of deferred tax liabilities, and certain tax planning strategies. U.S. generally accepted accounting principles prescribe a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. The Corporation recognizes, when applicable, interest and penalties related to unrecognized tax benefits in the provision for income taxes in the Consolidated Statements of Income. With few exceptions, the Corporation is no longer subject to U.S. federal, state, or local income tax examinations by tax authorities for years before 2017. Significant components of income tax expense are as follows: (DOLLARS IN THOUSANDS) Year Ended December 31, 2020 2019 $ $ Current tax expense 2,931 2,412 Deferred tax benefit (646 ) (286 ) Income tax expense 2,285 2,126 Components of the Corporation's net deferred tax position are as follows: (DOLLARS IN THOUSANDS) December 31, 2020 2019 $ $ Deferred tax assets Allowance for credit losses 2,589 1,984 Allowance for off-balance sheet extensions of credit 168 92 Interest on non-accrual loans 11 9 Other 47 75 Total deferred tax assets 2,815 2,160 Deferred tax liabilities Premises and equipment (987 ) (993 ) Net unrealized holding gains on securities available for sale (2,115 ) (426 ) Mortgage servicing rights (93 ) (113 ) Discount on investment securities (45 ) (9 ) Other (15 ) (15 ) Total deferred tax liabilities (3,255 ) (1,556 ) Net deferred tax (liabilities) assets (440 ) 604

REGULATORY MATTERS AND RESTRICT

REGULATORY MATTERS AND RESTRICTIONS	12 Months Ended
	Dec. 31, 2020
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
REGULATORY MATTERS AND RESTRICTIONS	NOTE M – REGULATORY MATTERS AND RESTRICTIONS The Corporation and the Bank are subject to various regulatory capital requirements administered by the Federal banking agencies. Failure to meet the minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Corporation’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Corporation and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. The quantitative measures established by regulation to ensure capital adequacy require the Corporation and the Bank to maintain minimum amounts and ratios (set forth below) of tier I capital to average assets, and common equity tier I capital, tier I capital, and total capital to risk-weighted assets. As of December 31, 2020 and 2019, the Corporation and Bank were categorized as “well capitalized” under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the institution’s category. The following chart details the Corporation’s and the Bank’s capital levels as of December 31, 2020 and December 31, 2019, compared to regulatory levels. CAPITAL LEVELS To Be Well (DOLLARS IN THOUSANDS) Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provision $ % $ % $ % As of December 31, 2020 Total Capital to Risk-Weighted Assets Consolidated 153,801 16.1 76,334 8.0 95,417 10.0 Bank 145,434 15.3 76,249 8.0 95,311 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 122,258 12.8 57,250 6.0 76,334 8.0 Bank 133,505 14.0 57,187 6.0 76,249 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated 122,258 12.8 42,938 4.5 62,021 6.5 Bank 133,505 14.0 42,890 4.5 61,952 6.5 Tier I Capital to Average Assets Consolidated 122,258 9.0 54,334 4.0 67,918 5.0 Bank 133,505 9.8 54,334 4.0 67,918 5.0 As of December 31, 2019 Total Capital to Risk-Weighted Assets Consolidated 124,970 14.5 68,740 8.0 85,925 10.0 Bank 123,346 14.4 68,688 8.0 85,860 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 115,087 13.4 51,555 6.0 68,740 8.0 Bank 113,463 13.2 51,516 6.0 68,688 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated 115,087 13.4 38,666 4.5 55,851 6.5 Bank 113,463 13.2 38,637 4.5 55,809 6.5 Tier I Capital to Average Assets Consolidated 115,087 9.9 46,271 4.0 57,839 5.0 Bank 113,463 9.8 46,271 4.0 57,839 5.0 In addition to the capital guidelines, certain laws restrict the amount of dividends paid to stockholders in any given year. The approval of the OCC shall be required if the total of all dividends declared by the Corporation in any year shall exceed the total of its net profits for that year combined with retained net profits of the preceding two years. Under this restriction, the Corporation could declare dividends in 2021, without the approval of the OCC, of approximately $14.0 million, plus an additional amount equal to the Corporation’s net profits for 2021, up to the date of any such dividend declaration.

TRANSACTIONS WITH DIRECTORS AND

TRANSACTIONS WITH DIRECTORS AND OFFICERS	12 Months Ended
	Dec. 31, 2020
Related Party Transactions [Abstract]
TRANSACTIONS WITH DIRECTORS AND OFFICERS	NOTE N – TRANSACTIONS WITH DIRECTORS AND OFFICERS The following table presents activity in the amounts due from directors, executive officers, immediate family, and affiliated companies. These transactions are made on the same terms and conditions, including interest rates and collateral requirements as those prevailing at the time for comparable transactions with others. An analysis of the activity with respect to such aggregate loans to related parties is shown below. LOANS TO INSIDERS (DOLLARS IN THOUSANDS) Actual $ Balance, January 1, 2019 5,169 Advances 140 Repayments (136 ) Other changes (4,533 ) Balance, December 31, 2019 640 Balance, January 1, 2020 640 Advances 16 Repayments (622 ) Other changes (3 ) Balance, December 31, 2020 31 In the Corporation’s case, other changes in the table above for the year ended December 31, 2020, represented the retirement of one director, and for the year ended December 31, 2019, represented two directors and two executive officers who retired during the year. Deposits from the insiders totaled $2,313,000 as of December 31, 2020, and $1,019,000 as of December 31, 2019.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE O - COMMITMENTS AND CONTINGENCIES In the normal course of business, the Corporation makes various commitments that are not reflected in the accompanying consolidated financial statements. These are commonly referred to as off-balance sheet commitments and include firm commitments to extend credit, unused lines of credit, and open letters of credit. On December 31, 2020, firm loan commitments totaled approximately $77.1 million; unused lines of credit totaled $322.4 million; and open letters of credit totaled $8.5 million. The sum of these commitments, $408.0 million, represents total exposure to credit loss in the event of nonperformance by customers with respect to these financial instruments; however the vast majority of these commitments are typically not drawn upon. The same credit policies for on-balance sheet instruments apply for making commitments and conditional obligations and the actual credit losses that could arise from the exercise of these commitments is expected to compare favorably with the loan loss experience on the loan portfolio taken as a whole. Commitments to extend credit on December 31, 2019, totaled $334.1 million, representing firm loan commitments of $62.2 million, unused lines of credit of $263.2 million, and open letters of credit totaling $8.7 million. Firm commitments to extend credit and unused lines of 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. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on an individual basis. The amount of collateral obtained, if deemed necessary by the extension of credit, is based on management’s credit evaluation of the customer. These commitments are supported by various types of collateral, where it is determined that collateral is required. Open letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. Most guarantees expire within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. While various assets of the customer act as collateral for these letters of credit, real estate is the primary collateral held for these potential obligations.

FINANCIAL INSTRUMENTS WITH CONC

FINANCIAL INSTRUMENTS WITH CONCENTRATIONS OF CREDIT RISK	12 Months Ended
	Dec. 31, 2020
Risks and Uncertainties [Abstract]
FINANCIAL INSTRUMENTS WITH CONCENTRATIONS OF CREDIT RISK	NOTE P - FINANCIAL INSTRUMENTS WITH CONCENTRATIONS OF CREDIT RISK The Corporation determines concentrations of credit risk by reviewing loans by borrower, geographical area, and loan purpose. The amount of credit extended to a single borrower or group of borrowers is capped by the legal lending limit, which is defined as 15% of the Bank’s risk-based capital, less the allowance for credit losses. The Corporation’s lending policy further restricts the amount to 75% of the legal lending limit. As of December 31, 2020, the Corporation’s legal lending limit was $21,815,000, and the Corporation’s lending policy limit was $16,361,000. This compared to a legal lending limit of $18,502,000, and lending policy limit of $13,876,000 as of December 31, 2019. As of December 31, 2020 and 2019, no lending relationships exceeded the Corporation’s internal lending policy limit. Geographically, the primary lending area for the Corporation encompasses Lancaster, Lebanon, and Berks counties of Pennsylvania, with the vast majority of the loans made in Lancaster County. The ability of debtors to honor their loan agreements is impacted by the health of the local economy. The Corporation’s immediate market area benefits from a diverse economy, which has resulted in a diverse loan portfolio. As a community bank, the largest amount of loans outstanding consists of personal mortgages, residential rental loans, and personal loans secured by real estate. Beyond personal lending, the Corporation’s business and commercial lending includes loans for agricultural, construction, specialized manufacturing, service industries, many types of small businesses, and loans to governmental units and non-profit entities. Management evaluates concentrations of credit based on loan purpose on a quarterly basis. The Corporation’s greatest concentration of loans by purpose is residential real estate, which comprises $345.6 million, or 42.0%, of the $822.1 million gross loans outstanding as of December 31, 2020. This compares to $339.3 million, or 45.1%, of the $751.7 million of gross loans outstanding as of December 31, 2019. Residential real estate consists of first mortgages and home equity loans. A concentration in commercial real estate of 41.6%, or $342.1 million, also exists; however, within that category there is not a concentration by specific industry type. The Corporation remains focused on agricultural purpose loans, of which the vast majority are real estate secured. Agricultural mortgages made up 21.4% of gross loans as of December 31, 2020, compared to 23.3% as of December 31, 2019; however these agricultural mortgages are spread over several broader types of agricultural purpose loans. More specifically within these larger purpose categories, management monitors on a quarterly basis the largest concentrations of non-consumer credit based on the North American Industrial Classification System (NAICS). As of December 31, 2020, the largest specific industry type categories were dairy cattle and milk production loans of $87.0 million, or 10.6% of gross loans, non-residential real estate investment loans of $82.9 million, or 10.1% of gross loans, and residential real estate investment loans with a balance of $42.8 million, or 5.2% of gross loans. Outside of consumer and commercial real estate, including agricultural mortgages, the third largest component of the Corporation’s loans consist of commercial and industrial loans. These loans are generally secured by personal guarantees, inventory, or pledges of municipalities. Out of the $129.2 million of loans designated as commercial and industrial for the Uniform Bank Performance Reports, the largest concentration within that area is $11.0 million of loans to political subdivisions, which account for 1.3% of gross loans outstanding. For the Corporation, these loans consisted of tax-free loans to local municipalities. To evaluate risk for the securities portfolio, the Corporation reviews both geographical concentration and credit ratings. The largest geographical concentrations as of December 31, 2020, were obligations of states and political subdivisions located in the states of Pennsylvania, California, and Texas. Based on fair market value, the Corporation held $44.7 million of obligations issued by municipalities within the state of Pennsylvania, which is 23.1% of the municipal portfolio, and 9.4% of total debt securities. The Corporation held $28.4 million of obligations issued by municipalities within the state of California, which is 14.7% of the municipal portfolio, and 6.0% of total debt securities. The Corporation also held $23.1 million of obligations of states and political subdivisions issued by municipalities located within the state of Texas, which is 11.9% of the municipal portfolio, and 4.9% of total debt securities. Internal policy requires municipal bonds purchased to be rated at least A3 by Moody’s and/or A- by Standard & Poor’s (S&P) at the time of purchase. As of December 31, 2020, no municipal bonds were below the A3/A- credit ratings the Corporation requires at the time of purchase. The Corporation held $60.4 million of corporate bonds based on amortized cost as of December 31, 2020. As a total, the $60.4 million represents 13.0% of the Corporation’s total debt securities. Management has a policy limit for corporate holdings at 55% of total regulatory capital and 20% of the securities portfolio. The Corporation was under both of these limits as of December 31, 2020. Management believes shorter corporate bonds currently provide better structure and return than government agencies and mortgage backed securities and CMOs. To limit the Corporation’s credit exposure to any one issuer, the policy limits investment to $3 million of par value per company. Out of the $60.4 million of total corporate securities, $35.3 million is domestic and $25.1 million is foreign-issued debt. None of the Corporation’s foreign corporate debt originates from the European countries that have struggled with the sovereign debt crisis, namely Portugal, Italy, Ireland, Greece, and Spain. Most of the Corporation’s foreign-issued debt is from the United Kingdom, Australia, and Switzerland. Within the corporate bond segment of the portfolio, management has preferred to invest in the banking, brokerage, and finance industry, where management is more comfortable analyzing and evaluating the credit risk of these firms. As a result, based on amortized cost, $46.7 million, or 77.3%, of the corporate bonds held are invested in national or foreign banks, bank holding companies, brokerage firms, or finance companies. In this broader finance-related group, management has selectively pursued foreign bank-issued debt where there is governmental ownership of the bank, and/or implied backing driven by the heavy reliance on these banks for the nation’s financial system. Out of the total $46.7 million of financial and brokerage-related corporate issues, $21.6 million is domestic and $25.1 million is foreign. All of the $25.1 million of foreign financial-related corporate paper is in the form of foreign bank-issued debt. Out of the $21.6 million of domestic financial-related debt, $12.2 million is in bank debt and $9.4 million is in brokerage. The remaining $13.7 million of non-financial related corporate paper consists of $5.1 million in energy companies, $2.0 million in insurance companies, $2.6 million in consumer goods, $2.0 million in healthcare, and $2.0 million in biotechnology. By internal policy, at time of purchase, all corporate bonds must carry a credit rating of at least A3 by Moody’s or A- by S&P, and at all times corporate bonds are to be investment grade, which is defined as Baa3 for Moody’s and BBB- for S&P, or above. As of December 31, 2020, all of the Corporation’s corporate bonds carried at least one single A credit rating of A3 by Moody’s or A- by S&P, and all were considered investment grade.

LEASES

LEASES	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
LEASES	NOTE Q – LEASES A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. On January 1, 2019, the Corporation adopted ASU No. 2016-02 “Leases” (Topic 842) and all subsequent ASUs that modified Topic 842. For the Corporation, Topic 842 primarily affected the accounting treatment for operating lease agreements in which the Corporation is the lessee. All of these leases in which the Corporation is the lessee are comprised of real estate property for branches and office space with terms extending through 2026. All of the Corporation’s leases are classified as operating leases, and therefore, were previously not recognized on the Corporation’s Consolidated Balance Sheets. With the adoption of Topic 842, operating lease agreements are required to be recognized on the Consolidated Balance Sheets as a right-of-use (“ROU”) asset and a corresponding lease liability. The following table represents the Consolidated Balance Sheet classification of the Corporation’s ROU assets and lease liabilities. Lease Consolidated Balance Sheets Classification (Dollars in Thousands) Classification December 31, 2020 December 31, 2019 Lease Right-of-Use Assets Operating lease right-of use assets Other Assets $ 728 $ 908 Lease Liabilities Operating lease liabilties Other Liabilities $ 740 $ 916 The calculated amount of the ROU assets and lease liabilities in the table above are impacted by the length of the lease term and the discount rate used to determine the present value of the minimum lease payments. The Corporation’s lease agreements often include one or more options to renew at the Corporation’s discretion. If at lease inception, the Corporation considers the exercising of a renewal option to be reasonably certain, the Corporation will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As the rate is rarely determinable, the Corporation utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to January 1, 2019, the rate for the remaining lease term as of January 1, 2019 was used. December 31, 2020 December 31, 2019 Weighted-average remaining lease term Operating leases 4.4 years 5.3 years Weighted-average discount rate Operating leases 3.11% 3.09% The following table represents lease costs and other lease information. As the Corporation elected, for all classes of underlying assets, not to separate lease and non-lease components and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as common area maintenance and utilities. Future minimum payments for operating leases with initial or remaining terms of one year or more as of December 31, 2020 were as follows: Lease Payment Schedule (Dollars in Thousands) Operating Leases Twelve Months Ended: December 31, 2021 $ 204 December 31, 2022 169 December 31, 2023 153 December 31, 2024 155 December 31, 2025 93 Thereafter 20 Total Future Minimum Lease Payments 794 Amounts Representing Interests (54 ) Present Value of Net Future Minimum Lease Payments $ 740

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Dec. 31, 2020
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	NOTE R - FAIR VALUE MEASUREMENTS U.S. generally accepted accounting principles establish a hierarchal disclosure framework associated with the level of observable pricing utilized in measuring assets and liabilities at fair value. The three broad levels defined by the hierarchy are as follows: Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed. Level III: Assets and liabilities that have little to no observable pricing as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgement or estimation. This hierarchy requires the use of observable market data when available. The following tables provide the fair market value for assets required to be measured and reported at fair value on a recurring basis on the Consolidated Balance Sheets as of December 31, 2020 and December 31, 2019, by level within the fair value hierarchy. As required by U.S. generally accepted accounting principles, financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. ASSETS REPORTED AT FAIR VALUE ON A RECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2020 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 54,361 — 54,361 U.S. agency mortgage-backed securities — 71,052 — 71,052 U. S. agency collateralized mortgage obligations — 35,035 — 35,035 Asset-backed securities — 60,475 — 60,475 Corporate bonds — 61,723 — 61,723 Obligations of states and political subdivisions — 193,782 — 193,782 Marketable equity securities 7,105 — — 7,105 Total securities 7,105 476,428 — 483,533 On December 31, 2020, the Corporation held no securities valued using level III inputs. All of the Corporation’s debt instruments were valued using level II inputs, where quoted prices are available and observable but not necessarily quotes on identical securities traded in active markets on a daily basis. The Corporation’s CRA fund investments and bank stocks are fair valued utilizing level I inputs because the funds have their own quoted prices in an active market. As of December 31, 2020, the CRA fund investments had a $6,176,000 book and market value and the bank stocks had a book value of $982,000 and a market value of $929,000. Financial instruments are considered level III when their values are determined using pricing models, discounted cash flow methodologies, or similar techniques, and at least one significant model assumption or input is unobservable. In addition to these unobservable inputs, the valuation models for level III financial instruments typically also rely on a number of inputs that are readily observable either directly or indirectly. Level III financial instruments also include those for which the determination of fair value requires significant management judgment or estimation. ASSETS REPORTED AT FAIR VALUE ON A RECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2019 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 32,624 — 32,624 U.S. agency mortgage-backed securities — 48,626 — 48,626 U. S. agency collateralized mortgage obligations — 60,253 — 60,253 Asset-backed securities 23,262 23,262 Corporate bonds — 54,880 — 54,880 Obligations of states and political subdivisions — 88,452 — 88,452 Marketable equity securities 6,708 — — 6,708 Total securities 6,708 308,097 — 314,805 On December 31, 2019, the Corporation held no securities valued using level III inputs. All of the Corporation’s debt instruments were valued using level II inputs, where quoted prices are available and observable but not necessarily quotes on identical securities traded in active markets on a daily basis. The Corporation’s CRA fund investments and bank stocks are fair valued utilizing level I inputs because the funds have their own quoted prices in an active market. As of December 31, 2019, the CRA fund investments had a $6,071,000 book and market value and the bank stocks had a book value of $614,000 and a market value of $637,000. The following table provides the fair value for each class of assets required to be measured and reported at fair value on a nonrecurring basis on the Consolidated Balance Sheets as of December 31, 2020 and December 31, 2019, by level within the fair value hierarchy: ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2020 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 4,632 4,632 — — 4,632 4,632 December 31, 2019 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 3,795 3,795 Total — — 3,795 3,795 The Corporation had a total of $5,763,000 of impaired loans as of December 31, 2020, with $1,131,000 of specific allocation against these loans. As of December 31, 2019, the Corporation had a total of $3,984,000 of impaired loans with $189,000 of specific allocation against these loans. The value of impaired loans is generally determined through independent appraisals of the underlying collateral. The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis for which the Corporation has utilized level III inputs to determine fair value: QUANTITATIVE INFORMATION ABOUT LEVEL III FAIR VALUE MEASUREMENTS (DOLLARS IN THOUSANDS) December 31, 2020 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 4,632 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20% (-20%) Liquidation expenses (2) 0% to -10% (-10%) December 31, 2019 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 3,795 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20% (-20%) Liquidation expenses (2) 0% to -10% (-10%) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various level III inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

DISCLOSURES ABOUT FAIR VALUE OF

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2020
Unobservable inputs - Appraisal adjustments
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	NOTE S - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS The following tables provide the carrying amount for each class of assets and liabilities and the fair value for certain financial instruments that are not required to be measured or reported at fair value on the Corporation's Consolidated Balance Sheets as of December 31, 2020 and December 31, 2019: FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2020 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 94,939 94,939 94,939 — — Regulatory stock 6,107 6,107 6,107 — — Loans held for sale 3,029 3,029 3,029 — — Loans, net of allowance 811,043 829,902 — — 829,902 Mortgage servicing assets 1,076 1,083 — — 1,083 Accrued interest receivable 4,546 4,546 4,546 — — Bank owned life insurance 29,646 29,646 29,646 — — Financial Liabilities: Demand deposits 534,853 534,853 534,853 — — Interest-bearing demand deposits 47,092 47,092 47,092 — — NOW accounts 137,279 137,279 137,279 — — Money market deposit accounts 140,113 140,113 140,113 — — Savings accounts 274,386 274,386 274,386 — — Time deposits 119,088 121,470 — — 121,470 Total deposits 1,252,811 1,255,193 1,133,723 — 121,470 Long-term debt 54,790 51,800 — — 51,800 Subordinated debt 19,601 19,601 — — 19,601 Accrued interest payable 320 320 320 — — FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2019 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 41,053 41,053 41,053 — — Regulatory stock 7,291 7,291 7,291 — — Loans held for sale 2,342 2,342 2,342 — — Loans, net of allowance 744,171 759,011 — — 759,011 Mortgage servicing assets 892 1,049 — — 1,049 Accrued interest receivable 3,768 3,768 3,768 — — Bank owned life insurance 28,818 28,818 28,818 — — Financial Liabilities: Demand deposits 363,857 363,857 363,857 — — Interest-bearing demand deposits 25,171 25,171 25,171 — — NOW accounts 96,941 96,941 96,941 — — Money market deposit accounts 141,649 141,649 141,649 — — Savings accounts 211,285 211,285 211,285 — — Time deposits 135,185 136,781 — — 136,781 Total deposits 974,088 975,684 838,903 — 136,781 Short-term borrowings 200 200 200 — — Long-term debt 77,872 76,825 — — 76,825 Accrued interest payable 521 521 521 — —

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	12 Months Ended
	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	NOTE T – ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The activity in accumulated other comprehensive income (loss) for the years ended December 31, 2020 and 2019 is as follows: (DOLLARS IN THOUSANDS) Unrealized Gains on Securities Available-for-Sale $ Balance at January 1, 2020 1,600 Other comprehensive income before reclassifications 6,997 Amount reclassified from accumulated other comprehensive income (639 ) Period change 6,358 Balance at December 31, 2020 7,958 Balance at January 1, 2019 (5,678 ) Other comprehensive income before reclassifications 7,603 Amount reclassified from accumulated other comprehensive loss (325 ) Period change 7,278 Balance at December 31, 2019 1,600 (1) All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 21%. (2) Amounts in parentheses indicate debits. DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Year Ended December 31, Affected Line Item 2020 2019 in the Consolidated $ $ Statements of Income Securities available for sale: Net securities gains reclassified into earnings 809 411 Gains on sale of debt securities, net Related income tax expense (170 ) (86 ) Provision for federal income taxes Net effect on accumulated other comprehensive income (loss) for the period 639 325 Total reclassifications for the period 639 325 (1) Amounts in parentheses indicate debits.

CONDENSED PARENT ONLY DATA

CONDENSED PARENT ONLY DATA	12 Months Ended
	Dec. 31, 2020
Condensed Financial Information Disclosure [Abstract]
CONDENSED PARENT ONLY DATA	NOTE U – CONDENSED PARENT ONLY DATA Condensed Balance Sheets (Parent Company Only) (DOLLARS IN THOUSANDS) December 31, 2020 2019 $ $ Assets Cash 7,705 870 Equity securities 929 637 Equity in bank subsidiary 141,463 115,064 Other assets 165 117 Total assets 150,262 116,688 Liabilities Subordinated debt 19,601 — Other Liabilities 445 — Total Liabilities 20,046 — Stockholders' Equity Common stock 574 574 Capital surplus 4,444 4,482 Retained earnings 120,670 111,944 Accumulated other comprehensive income, net of tax 7,958 1,600 Treasury stock (3,430 ) (1,912 ) Total stockholders' equity 130,216 116,688 Total liabilities and stockholders' equity 150,262 116,688 Condensed Statements of Comprehensive Income (DOLLARS IN THOUSANDS) Year Ended December 31, 2020 2019 $ $ Income Dividend income - investment securities 27 20 Gains (losses) on equity securities, net (76 ) 88 Dividend income 5,073 5,019 Undistributed earnings of bank subsidiary 7,541 6,475 Total income 12,565 11,602 Expense Subordinated debt interest expense 4 — Shareholder expenses 153 154 Other expenses 109 53 Total expense 266 207 Net Income 12,299 11,395 Comprehensive Income 18,657 18,673 Condensed Statements of Cash Flows (DOLLARS IN THOUSANDS) Year Ended December 31, 2020 2019 Cash Flows from Operating Activities: $ $ Net Income 12,299 11,395 Equity in undistributed earnings of subsidiaries (7,541 ) (6,475 ) (Gains)losses on securities transactions, net 76 (88 ) Net increase in other assets (48 ) (11 ) Net increase in other liabilities 444 — Net cash (used for) provided by operating activities 5,230 4,821 Cash Flows from Investing Activities: Proceeds from sales of equity securities — 168 Purchases of equity securities (367 ) (193 ) Net cash used for investing activities (367 ) (25 ) Cash Flows from Financing Activities: Proceeds from sale of treasury stock 660 628 Proceeds from issuance of subordinated debt 19,601 — Dividend to bank subsidiary (12,500 ) — Treasury stock purchased (2,216 ) (1,897 ) Dividends paid (3,573 ) (3,518 ) Net cash provided by (used for) financing activities 1,972 (4,787 ) Cash and Cash Equivalents: Net change in cash and cash equivalents 6,835 9 Cash and cash equivalents at beginning of period 870 861 Cash and cash equivalents at end of period 7,705 870

SUMMARY OF QUARTERLY FINANCIAL

SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED)	12 Months Ended
	Dec. 31, 2020
Quarterly Financial Data [Abstract]
SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED)	NOTE V - SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED) (DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA) 2020 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 10,487 10,468 10,387 10,752 Interest expense 1,271 999 845 731 Net interest income 9,216 9,469 9,542 10,021 Less provision for loan losses 350 975 1,250 375 Net interest income after provision for loan losses 8,866 8,494 8,292 9,646 Other income 2,767 4,068 4,374 4,151 Operating expenses: Salaries and employee benefits 5,696 4,966 5,860 5,540 Occupancy and equipment expenses 881 932 896 894 Other operating expenses 2,533 2,346 2,442 3,088 Total operating expenses 9,110 8,244 9,198 9,522 Income before income taxes 2,523 4,318 3,468 4,275 Provision for Federal income taxes 358 719 533 675 Net income 2,165 3,599 2,935 3,600 FINANCIAL RATIOS Per share data: Net income 0.38 0.64 0.53 0.65 Cash dividends paid 0.16 0.16 0.16 0.16 2019 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 10,162 10,462 10,590 10,523 Interest expense 1,179 1,304 1,301 1,335 Net interest income 8,983 9,158 9,289 9,188 Less provision (credit) for loan losses 180 30 630 (70 ) Net interest income after provision (credit) for loan losses 8,803 9,128 8,659 9,258 Other income 2,544 2,762 2,943 3,057 Operating expenses: Salaries and employee benefits 5,188 5,105 5,227 5,512 Occupancy and equipment expenses 917 877 902 908 Other operating expenses 2,177 2,235 1,999 2,586 Total operating expenses 8,282 8,217 8,128 9,006 Income before income taxes 3,065 3,673 3,474 3,309 Provision for Federal income taxes 462 584 550 530 Net income 2,603 3,089 2,924 2,779 FINANCIAL RATIOS Per share data: Net income 0.46 0.54 0.51 0.49 Cash dividends paid 0.150 0.155 0.155 0.160

RISKS AND UNCERTAINTIES

RISKS AND UNCERTAINTIES	12 Months Ended
	Dec. 31, 2020
Risks and Uncertainties [Abstract]
RISKS AND UNCERTAINTIES	NOTE W – RISKS AND UNCERTAINTIES COVID-19 Update The following table provides information with respect to our at risk commercial loans by type at December 31, 2020. COMMERCIAL LOANS AT RISK (Dollars in Thousands) # $ $ % Number Total Principal of Total of Loan Balance Loan Loan Type Loans Exposure of Loans Balance Lessors of Nonresidential Buildings 160 82,936 73,391 8.91% Lessors of Residential Buildings 209 41,270 36,695 4.46% Specialized Freight 27 14,935 10,607 1.29% Residential Remodelers 94 10,595 3,751 0.46% New Single Family Housing Construction 52 8,518 4,513 0.55% Passenger Car Leasing 141 9,163 9,009 1.09% Hotels 14 8,253 5,987 0.73% Religious Organizations 33 8,083 6,980 0.85% Car Washes 10 6,633 6,473 0.79% Site Preparation Contrators 48 5,016 2,584 0.31% Other 21 9,814 5,423 0.66% Totals 809 205,216 165,413 20.10% The Corporation has a diversified commercial loan portfolio that is consistent with the diversified economies of Lancaster, Lebanon and Berks Counties in Pennsylvania, the Corporation’s market area. The above chart is focused on loan types that are commonly known to be at risk or negatively impacted by the COVID-19 pandemic and its effects. The Corporation’s largest exposure to at risk loan types are loans on leased commercial property and loans on residential investment properties. The Corporation has a relatively low exposure to the hospitality industry, including restaurants. Single loan type exposures falling under the other category do not exceed 0.5% of total loans and include loan types such as site preparation contractors, fuel dealers, and recreational centers. The above levels of exposure to these at risk loan types have not had significant movements from 2019 to 2020. Management does not expect any significant movements in these exposures going forward. Paycheck Protection Program (PPP) The Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, was signed into law on March 27, 2020, providing over $2 trillion in economic relief to individuals and businesses impacted by the COVID-19 pandemic. The CARES Act authorized the Small Business Administration (SBA) to temporarily guarantee loans under a new 7(a) loan program called the Paycheck Protection Program (PPP). As a qualified SBA lender, the Corporation was authorized to originate PPP loans. In terms of qualifying for a PPP loan, an eligible business could apply for a PPP loan up to the greater of: (1) 2.5 times its average monthly payroll costs; or (2) $10 million. The PPP loans have the following terms: (a) an interest rate of 1.0%, (b) a two-year or five-year loan term to maturity; and (c) principal and interest payments deferred for six months from the date of disbursement. The SBA will guarantee 100% of the PPP loans made to eligible borrowers. The entire principal amount of the PPP loan, including any accrued interest, is eligible to be reduced by the amount of loan forgiveness available under the PPP, provided the employee and compensation levels of the business are maintained and at least 60% of the loan proceeds are used for payroll expenses. In the initial CARES Act, $349 billion of funds were made available for PPP loans. This amount was fully exhausted prior to the end of April. Congress then passed an additional allocation of funds for the PPP loans, allowing a second round of applications to begin. As of September 30, 2020, the Corporation had PPP loans outstanding with current balances of $77.7 million. During the fourth quarter of 2020, some of these loans became eligible for forgiveness from the PPP, so as of December 31, 2020, the Corporation had PPP loans outstanding with a current balance of $48.0 million. It is anticipated that more loan forgiveness payments will be received in 2021. Management’s focus has been to serve the customers and market area that the Corporation serves. In accordance with the SBA terms and conditions on these PPP loans, the Corporation received approximately $3.25 million in fees associated with the processing of these loans. All fee income is being deferred over the expected life of each PPP loan. In 2020, a total of $2.36 million of the $3.25 million was recognized into income. The majority of initial batch of the PPP loans carried a stated maturity of two years. In later batches of PPP loans the maturity can be five years, however the vast majority of the Corporation’s PPP loans carry a two-year maturity. When a PPP loan is paid off or forgiven, the remaining fee amount is taken into income. The Corporation expects there to be few loans that are on the books until the stated maturity dates. COVID-19 Loan Forbearance Programs As of December 31, 2020, over 330 of the Corporation’s customers had requested payment deferrals, or payments of interest only, on loans originally totaling over $65 million at the time of deferment. These loans now have a current balance of $54.6 million, or 6.6% of the total loan portfolio as of December 31, 2020. The current balance of these loans was $57.1 million as of September 30, 2020. In accordance with interagency guidance issued in March 2020, these short-term deferrals are not considered troubled debt restructurings (TDRs) unless the borrower was previously experiencing financial difficulty. In addition, the risk-rating on COVID-19 modified loans did not change, and these loans will not be considered past due until after the deferral period is over and scheduled payments resume. The credit quality of these loans will be reevaluated after the deferral period ends. Of the $54.6 million of current loan balances with payments being deferred, $43.8 million, or 80.4%, were in the form of commercial or agricultural loan deferments, with the vast majority of these commercial loan deferrals. The remaining loan deferments consisted of $10.5 million of residential mortgage deferrals and $184,000 of consumer loan deferrals. The vast majority of the COVID-19 loan payment deferrals were for a 90-day period. As of December 31, 2020 the Corporation had eight commercial loans remaining on deferment totaling $4.6 million, and one consumer loan with a $7,000 balance. It is expected that all of these loans will return to normal payments during the first quarter of 2021. As of December 31, 2020, the Corporation’s delinquent and non-performing levels were not yet materially impacted by the weaker economic conditions brought on by COVID-19. However, the Corporation did experience a sharp increase in the amount of impaired loans during the second half of 2020. Impaired loans grew from $2.8 million as of June 30, 2020 to $5.8 million as of December 31, 2020, a $3.0 million increase. This increase was solely due to a $3.6 million loan to one commercial borrower being classified as both impaired and a troubled debt restructuring. This borrower continues to perform according to restructured terms. Due to the severity and length of this economic interruption, management does anticipate that the levels of delinquencies and non-performing loans will rise in 2021. The significance of the credit deterioration will depend on the length of time local business operations are curtailed, or limited, and the amount of time it takes for consumer confidence to rebuild and engage into increased purchasing activities. Management has already significantly increased the Corporation’s provision for loan losses in 2020, as qualitative factors have been increased based on predicted prolonged economic weakness, which is expected to impact more and more borrowers.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Nature of Operations	Nature of Operations ENB Financial Corp, through its wholly owned subsidiary, Ephrata National Bank, provides financial services to Northern Lancaster County and surrounding communities. ENB Financial Corp, a bank holding company, was formed on July 1, 2008, to become the parent company of Ephrata National Bank, which existed as a stand-alone national bank since its formation on April 11, 1881. The Corporation’s wholly owned subsidiary, Ephrata National Bank, offers a full array of banking services including loan and deposit products for both personal and commercial customers, as well as trust and investment services, through twelve full-service office locations.
Basis of Presentation	Basis of Presentation The consolidated financial statements of ENB Financial Corp and its subsidiary, Ephrata National Bank, (collectively “the Corporation”) conform to U.S. generally accepted accounting principles (GAAP). The preparation of these statements requires that management make estimates and assumptions that affect the reported amount of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Material estimates of the Corporation, including the allowance for credit losses, the fair market value of financial instruments, and deferred tax assets or liabilities, are evaluated regularly by management. Actual results could differ from the reported estimates given different conditions or assumptions. The accounting and reporting policies followed by the Corporation conform with U.S. GAAP and to general practices within the banking industry. All significant intercompany transactions have been eliminated in consolidation. The following is a summary of the more significant policies.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents are identified as cash and due from banks and include cash on hand, collection items, amounts due from banks, and interest bearing deposits in other banks with maturities of less than 90 days.
Securities Available for Sale	Securities Available for Sale The Corporation classifies its entire portfolio of debt securities as available for sale securities, which the Corporation reports at fair value. Any unrealized valuation gains or losses on the debt portfolio are reported as a separate component of stockholders' equity, net of deferred income taxes. The constant yield method is used for the amortization of premiums and the accretion of discounts for all of the Corporation’s securities with the exception of collateralized mortgage obligations (CMOs), mortgage-backed securities (MBS) and asset-backed securities (ABS). The constant yield method maintains a stable yield on the instrument through its maturity. For CMOs and MBS, a two-step/proration method is used for amortization and accretion. The first step is a proration based on the current pay down. This component ensures that the book price stays level with par. The second step amortizes or accretes the remaining premium or discount to the calculated final amortization or accretion date based on the current three-month constant prepayment rates. Net gains or losses realized on sales or calls of securities are reported as gains or losses on security transactions during the year of sale, using the specific identification method.
Equity Securities	Equity Securities Equity securities includes common stocks of public companies that the Corporation has the positive intent and ability to hold for an indeterminate amount of time. Such securities are reported at fair value with changes in unrealized holding gains and losses recognized through earnings on a monthly basis.
Other Than Temporary Impairment ("OTTI")	Other Than Temporary Impairment (“OTTI”) Management monitors all of the Corporation’s securities for OTTI on a monthly basis and determines whether any impairment should be recorded. A number of factors are considered in determining whether a security is impaired, including, but not limited to, the following: · Percentage of unrealized losses, · Period of time the security has had unrealized losses, · Type of security, · Maturity date of the instrument if a debt instrument, · The intent to sell the security or whether it is more likely than not that the Corporation would be required to sell the security before its anticipated recovery in market value, · Amount of projected credit losses based on current cash flow analysis, default and severity rates, and · Market dynamics impacting the market for and liquidity of the security. Management will more closely evaluate those securities that have unrealized losses of 10% or more and have had unrealized losses for more than twelve months. If management determines that the declines in value of the security are not temporary, or if management does not have the ability to hold the security until maturity, which is the case with equity securities, then management will record impairment on the security. For debt securities evaluated for impairment, management will determine what portion of the unrealized valuation loss is attributed to projected or known loss of principal, and what portion is attributed to market pricing not reflective of the true value of the security, based on current cash flow analysis. Management will generally record impairment equivalent to the projected or known loss of principal, known as the credit loss. The other portion of the fair market value loss is attributed to market factors and it is management’s opinion that these fair value losses are temporary and not permanent. All impairment is recorded as a loss on securities and is included in the Corporation’s Consolidated Statements of Income.
Loans Held for Investment	Loans Held for Investment Loans receivable, that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, generally are reported at the outstanding principal balances, reduced by any charge-offs and net of any deferred loan origination fees or costs. Net loan origination fees and costs are deferred and recognized as an adjustment of yield over the contractual life of the loan. Interest accrues daily on outstanding loan balances. Generally, the accrual of interest discontinues when the ability to collect the loan becomes doubtful or when a loan becomes more than 90 days past due as to principal and interest. These loans are referred to as non-accrual loans. Management may elect to continue the accrual of interest based on the expectation of future payments and/or the sufficiency of the underlying collateral.
Loans Held for Sale	Loans Held for Sale Loans originated and intended for sale on the secondary market are carried at the lower of cost or fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. In general, fixed-rate residential mortgage loans originated by the Corporation and held for sale are carried in the aggregate at the lower of cost or market. The Corporation originates loans for immediate sale with servicing retained and servicing released to several investors. However, the vast majority of the sold mortgages are sold to the Federal Home Loan Bank of Pittsburgh (FHLB) and Fannie Mae, with servicing retained. As a result, the Corporation has a growing portfolio of mortgages that are serviced on behalf of FHLB and Fannie Mae. In addition, the Corporation originates FHA, VA, and USDA mortgages which are originated for immediate sale to various investors on a service-released basis.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses is maintained at a level considered by management to be adequate to provide for known and inherent risks in the loan portfolio at the Consolidated Balance Sheets dates. The monthly provision or credit for loan losses is an expense or a reduction of expense which increases or decreases the allowance, and charge-offs, net of recoveries, decrease the allowance. The Corporation performs ongoing credit reviews of the loan portfolio and considers current economic conditions, historical loan loss experience, and other factors in determining the adequacy of the reserve balance. Loans determined to be uncollectible are charged to the allowance during the period in which such determination is made. In calculating the allowance, management will begin by compiling the balance of loans by credit quality for each loan segment in order that allocations can be made in aggregate based on historic losses and qualitative factors. Prior to calculating these aggregate allocations, management will individually evaluate commercial and commercial real estate loans for impairment. A loan is impaired when it is probable that a creditor will be unable to collect all principal and interest due according to the contractual terms of the loan agreement. All other loan types such as residential mortgages, home equity loans and lines of credit, and all other consumer loans, are not individually evaluated for impairment and are therefore allocated for in aggregate. These loans are considered to be large groups of smaller-balance homogenous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which are defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis, taking into consideration all circumstances concerning the loan, the creditworthiness and payment history of the borrower, the length of the payment delay, and the amount of shortfall in relation to the principal and interest owed. For loans deemed to be impaired, management will provide a specific allocation. This loan balance is then subtracted from the total loan balances being allocated for in the aggregate. The remaining balances, along with the full loan balances for the other loan types are then multiplied by an adjusted loss ratio, which is the sum of both the historical loss ratio and a qualitative factor adjustment. Generally both the historical loss ratio and the qualitative factor adjustment will increase as the credit rating of the loan deteriorates. The credit ratings begin with unclassified loans, which represent the best internal credit rating, also referred to as a “pass” credit and then continue with declining grades of special mention, substandard, doubtful, and loss. Special mention loans are no longer deemed to be a “pass” credit and require additional management attention. They are essentially placed on “watched” status and attempts are made to improve the credit to an unclassified status. If the credit would deteriorate further it would then be a substandard credit, which for regulatory purposes, is deemed to be a classified loan. Doubtful and loss credit grades represent further credit deterioration and are also considered classified loans. For each loan type, all of these credit rating categories are broken out with adjusted loss ratios. The loan balance is then multiplied by the adjusted loss ratio to produce the required allowance. The allowances are totaled and added to any specific allocations on impaired loans to arrive at the total allowance for credit losses for the Corporation. Management tracks and assigns a historical loss percentage for each loan rating category within each loan type. A rolling three-year historical loss ratio, calculated on a quarterly basis, with a 60%, 30%, and 10% weighting for the past three years is used. In this manner the historical loss percentage is heavily weighted to the current loss environment, but has sufficient weighting assigned to prior periods to avoid unnecessary volatile fluctuations based on just one period’s data. Management currently utilizes nine qualitative factors that are adjusted based on changes in the lending environment and economic conditions. The qualitative factors include the following: · levels of and trends in delinquencies, non-accruals, and charge-offs, · trends in the nature and volume of the loan portfolio, · changes in lending policies and procedures, · experience, ability, and depth of lending personnel and management oversight, · national and local economic trends, · concentrations of credit, · external factors such as competition, legal, and regulatory requirements, · changes in the quality of loan review and Board oversight, · changes in the value of underlying collateral. The number of qualitative factors can change. Factors can be added for new risks or taken away if the risk no longer applies. Each loan type will have its own risk profile and management will evaluate and adjust each qualitative factor for each loan type quarterly, if necessary. For example, if one area of the loan portfolio is experiencing sharp increases in growth, it is likely the qualitative factor for trends in the loan portfolio would be increased for that loan type. As levels of delinquencies and non-accrual loans decline for any segment of the loan portfolio it is likely that factor would be reduced. In terms of the Corporation’s loan portfolio, the commercial and industrial loans and commercial real estate loans are deemed to have more risk than the consumer real estate loans and other consumer loans in the portfolio. The commercial loans not secured by real estate are highly dependent on their financial condition and therefore are more dependent on economic conditions. The commercial loans secured by real estate are also dependent on economic conditions but generally have stronger forms of collateral. Commercial real estate lending is highly impacted by the value of collateral so these commercial loans carry a higher qualitative factor for changes in collateral value. While the Corporation’s CRE loans have performed well historically, other commercial loans and commercial mortgage loans have historically been responsible for the majority of the Corporation’s delinquencies, non-accrual loans, and charge-offs, so both of these categories carry higher qualitative factors than consumer real estate loans and other consumer loans. The Corporation has historically experienced very low levels of consumer real estate and consumer loan charge-offs so these qualitative factors are set lower than the commercial real estate and commercial and industrial loans.
Impaired and Non-Accrual Loans	Impaired and Non-Accrual Loans The definition of “impaired loans” is not the same as the definition of “non-accrual loans,” although the two categories overlap. Generally, a non-accrual loan will always be considered impaired due to payment delinquency or uncertain collection, but there are cases where an impaired loan is not considered non-accrual. The primary factors considered by management in determining impairment include payment status and collateral value, but could also include debt service coverage, financial health of the business, and other external factors that could impact the ability of the borrower to fully repay the loan. The amount of impairment for these types of loans is determined by the difference between the present value of the expected cash flows related to the loan using the original interest rate and its recorded value or, as a practical expedient in the case of collateral-dependent loans, the difference between the fair value of the collateral and the recorded amount of the loan. When foreclosure is probable, impairment is measured based on the fair value of the collateral on a discounted basis, relative to the loan amount. Management will place a business or commercial loan on non-accrual status when it is determined that the loan is impaired, or when the loan is 90 days past due. These customers will generally be placed on non-accrual status at the end of each quarter. Consumer loans over 90 days delinquent are generally charged off, or in the case of residential real estate loans the Corporation will seek to bring the customer current or pursue foreclosure options. When the borrower is on non-accrual, the Corporation will reverse any accrued interest on the books and will discontinue recognizing any interest income until the borrower is placed back on accrual status or fully pays off the loan balance plus any accrued interest. Payments received by the customer while the loan is on non-accrual are fully applied against principal. The Corporation maintains records of the full amount of interest that is owed by the borrower. A non-accrual loan will generally only be placed back on accrual status after the borrower has become current and has demonstrated six consecutive months of non-delinquency.
Allowance for Off-Balance Sheet Extensions of Credit	Allowance for Off-Balance Sheet Extensions of Credit The Corporation maintains an allowance for off-balance sheet extensions of credit, which would include any unadvanced amount on lines of credit and any letters of credit provided to borrowers. The allowance is carried as a liability and is included in other liabilities on the Corporation’s Consolidated Balance Sheets. The liability was $798,000 as of December 31, 2020, and $436,000 as of December 31, 2019. As the unadvanced portion of lines of credit increases, this provision will increase. Management follows the same methodology as the allowance for credit losses when calculating the allowance for off-balance sheet extensions of credit, with the exception of multiplying the unadvanced total by a high/low balance variance to arrive at the expected unadvanced portion that could be drawn upon at any time, or the amount at risk. The unadvanced amounts for each loan segment are broken down by credit classification. A historical loss ratio and qualitative factor are calculated for each credit classification by loan type. The historical loss ratio and qualitative factor are combined to produce an adjusted loss ratio, which is multiplied by the amount at risk for each credit classification within each loan segment to arrive at an allocation. The allocations are summed to arrive at the total allowance for off-balance sheet extensions of credit.
Other Real Estate Owned (OREO)	Other Real Estate Owned (OREO) OREO represents properties acquired through customer loan defaults. These properties are recorded at the lower of cost or fair value less projected disposal costs at acquisition date. Fair value is determined by current appraisals. Costs associated with holding OREO are charged to operational expense. OREO is a component of other assets on the Corporation’s Consolidated Balance Sheets. The Corporation had no OREO as of December 31, 2020, or December 31, 2019.
Mortgage Servicing Rights (MSRs)	Mortgage Servicing Rights (MSRs) The Corporation has agreements for the express purpose of selling residential mortgage loans on the secondary market, referred to as mortgage servicing rights. The Corporation maintains all servicing rights for loans currently sold through FHLB and Fannie Mae. The Corporation had $1,076,000 of MSRs as of December 31, 2020, compared to $892,000 as of December 31, 2019. The value of MSRs increased during 2020 as valuation of new assets outpaced amortization on existing assets. The year ended December 31, 2020, was a year of record mortgage volume resulting in this increase in MSRs. Management expects MSRs to continue to grow going forward as a result of continued refinance volume and new mortgage originations. The value of newly originated MSRs is determined by estimating the life of the mortgage and how long the Corporation will have access to the servicing income stream to determine the relative fair value. The Corporation utilizes a third party that calculates the MSR valuation on a quarterly basis. A longer estimated life would increase the MSR valuation, while a shorter estimated life would decrease the value of the MSR. Management records the MSR value based on the third-party reporting. Ultimately the value of the MSRs would be at what level a willing buyer and seller would exchange the MSRs. MSRs are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio. Impairment is evaluated based on the fair value of the rights, portfolio interest rates, and prepayment characteristics. MSRs are a component of other assets on the Consolidated Balance Sheets. The following chart provides the activity of the Corporation’s mortgage servicing rights for the years ended December 31, 2020 and 2019. MORTGAGE SERVICING RIGHTS (DOLLARS IN THOUSANDS) December 31, 2020 2019 $ $ Beginning Balance 892 905 Additions 753 284 Amortization (420 ) (242 ) Disposals (149 ) (55 ) Ending Balance 1,076 892
Premises and Equipment	Premises and Equipment Land is carried at cost. Premises and equipment are carried at cost, less accumulated depreciation. Book depreciation is computed using straight-line methods over the estimated useful lives of generally fifteen to thirty-nine years for buildings and improvements and four to ten years for furniture and equipment. Maintenance and repairs of property and equipment are charged to operational expense as incurred, while major improvements are capitalized. Net gains or losses upon disposition are included in other income or operational expense, as applicable.
Transfer of Assets	Transfer of Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Bank-Owned Life Insurance (BOLI)	Bank-Owned Life Insurance (BOLI) BOLI is carried by the Corporation at the cash surrender value of the underlying policies. Income earned on the policies is based on any increase in cash surrender value less the cost of the insurance, which varies according to age and health of the insured. The life insurance policies owned by the Corporation had a cash surrender value of $29,646,000 and $28,818,000 as of December 31, 2020, and 2019, respectively. The increase in BOLI cash surrender value was primarily due to normal appreciation of existing policies as a result of returns exceeding expenses.
Leases	Leases The Company has operating leases for several branch locations and office space. Generally, the underlying lease agreements do not contain any material residual value guarantees or material restrictive covenants. The Company may also lease certain office equipment under operating leases. Many of our leases include both lease (e.g., minimum rent payments) and non-lease components (e.g., common-area or other maintenance costs). The Company accounts for each component separately based on the standalone price of each component. In addition, there are several operating leases with lease terms of less than one year and therefore, we have elected the practical expedient to exclude these short-term leases from our right of use assets and lease liabilities. Most leases include one or more options to renew. The exercise of lease renewal options is typically at the sole discretion of management and is based on whether the extension options are reasonably certain to be exercised after giving proper consideration to all facts and circumstances of the lease. If management determines that the Company is reasonably certain to exercise the extension option(s), the additional term is included in the calculation of the lease liability. As most of our leases do not provide an implicit rate, we use the fully collateralized FHLB borrowing rate, commensurate with the lease terms based on the information available at the lease commencement date in determining the present value of the lease payments
Advertising Costs	Advertising Costs The Corporation expenses advertising costs as incurred. Advertising costs for the years ended December 31, 2020 and 2019 were $894,000 and $820,000, respectively.
Income Taxes	Income Taxes An asset and liability approach is followed for financial accounting and reporting for income taxes. Accordingly, a net deferred tax asset or liability is recorded in the consolidated financial statements for the tax effects of temporary differences, which are items of income and expense reported in different periods for income tax and financial reporting purposes. Deferred tax expense is determined by the change in the assets or liabilities related to deferred income taxes. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes.
Earnings per Share	Earnings per Share The Corporation currently maintains a simple capital structure with no stock option plans that would have a dilutive effect on earnings per share. Earnings per share are calculated by dividing net income by the weighted-average number of shares outstanding for the periods.
Comprehensive Income	Comprehensive Income The Corporation is required to present comprehensive income in a full set of general-purpose consolidated financial statements for all periods presented. Other comprehensive income consists of unrealized holding gains and losses on the available for sale securities portfolio.
Segment Disclosure	Segment Disclosure U.S. generally accepted accounting principles establish standards for the manner in which public business enterprises report information about segments in the annual financial statements and requires that those enterprises report selected information about operating segments in interim financial reports issued to shareholders. It also establishes standards for related disclosures regarding financial products and services, geographic areas, and major customers. The Corporation has only one operating segment consisting of its banking and fiduciary operations.
Retirement Plans	Retirement Plans The Corporation provides an optional 401(k) plan, in which employees may elect to defer pre-tax salary dollars, subject to the maximum annual Internal Revenue Service contribution amounts. The Corporation will match 50% of employee contributions up to 5%, limiting the match to 2.5%. As part of the 401(k) Plan, the Corporation also has a noncontributory Profit Sharing Plan which covers substantially all employees. The Corporation provides a 3% non-elective contribution to all employees and contributes a 2% elective contribution to all employees aged 21 or older who work 1,000 or greater hours in a calendar year and have completed at least one full year of employment.
Trust Assets and Income	Trust Assets and Income Assets held by ENB’s Money Management Group in a fiduciary or agency capacity for customers are not included in the Corporation’s Consolidated Balance Sheets since these items are not assets of the Corporation. In accordance with banking industry practice, trust income is recognized on a cash basis; as such income does not differ significantly from amounts that would be recognized on an accrual basis. Trust income is reported in the Corporation’s Consolidated Statements of Income under other income.
Revenue from Contracts with Customers	Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Topic 606, Revenue from Contracts with Customers (Topic 606). The Corporation’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Corporation has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Corporation generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers.
Reclassification of Comparative Amounts	Reclassification of Comparative Amounts Certain comparative amounts for the prior year have been reclassified to conform to current-year classifications. Such reclassifications had no material effect on net income or stockholders’ equity.
Recently Issued Accounting Standards	Recently Issued Accounting Standards In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments In August 2018, the FASB issued ASU 2018-14, Compensation – Retirement Benefits (Topic 715-20). In August 2018, the FASB issued ASU 2018-15, Intangibles – Goodwill and Other – Internal-Use Software (Subtopic 350-40). In November 2018, the FASB issued ASU 2018-19, Codification Improvements to Topic 326, Financial Instruments ‒ Credit Losses In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses (Topic 326) In November 2019, the FASB issued ASU 2019-11, Codification Improvements to Topic 326, Financial Instruments – Credit Losses In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740) In January 2020, the FASB issued ASU 2020-01, Investments-Equity Securities (Topic 321), Investments-Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) In March 2020, the FASB issued ASU 2020-03 , Codification Improvements to Financial Instruments. Financial Instruments In January 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting, March 2020 In October 2020, the FASB issued ASU 2020-08, Codification Improvements to Subtopic 310-20, Receivables – Nonrefundable Fees and Other Costs, In October 2020, the FASB issued ASU 2020-09, Debt (Topic 470): Amendments to SEC Paragraphs Pursuant to SEC Release No. 33-10762 In October 2020, the FASB issued ASU 2020-10, Codification Improvements In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848)

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Schedule of Mortgage Servicing Rights	The following chart provides the activity of the Corporation’s mortgage servicing rights for the years ended December 31, 2020 and 2019. MORTGAGE SERVICING RIGHTS (DOLLARS IN THOUSANDS) December 31, 2020 2019 $ $ Beginning Balance 892 905 Additions 753 284 Amortization (420 ) (242 ) Disposals (149 ) (55 ) Ending Balance 1,076 892

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities	The amortized cost and fair value of debt securities held at December 31, 2020, and 2019, are as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2020 U.S. government agencies 54,224 144 (7 ) 54,361 U.S. agency mortgage-backed securities 69,777 1,441 (166 ) 71,052 U.S. agency collateralized mortgage obligations 34,449 640 (54 ) 35,035 Asset-backed securities 60,387 433 (345 ) 60,475 Corporate bonds 60,387 1,348 (12 ) 61,723 Obligations of states and political subdivisions 187,132 6,727 (77 ) 193,782 Total securities available for sale 466,356 10,733 (661 ) 476,428 December 31, 2019 U.S. government agencies 32,621 31 (28 ) 32,624 U.S. agency mortgage-backed securities 48,859 215 (448 ) 48,626 U.S. agency collateralized mortgage obligations 60,124 323 (194 ) 60,253 Asset-backed securities 23,646 7 (391 ) 23,262 Corporate bonds 54,604 316 (40 ) 54,880 Obligations of states and political subdivisions 86,216 2,245 (9 ) 88,452 Total securities available for sale 306,070 3,137 (1,110 ) 308,097
Schedule of contractual maturity of debt securities	CONTRACTUAL MATURITY OF DEBT SECURITIES (DOLLARS IN THOUSANDS) Amortized Cost Fair Value $ $ Due in one year or less 85,185 85,789 Due after one year through five years 105,606 107,758 Due after five years through ten years 58,674 59,869 Due after ten years 216,891 223,012 Total debt securities 466,356 476,428
Schedule of proceeds and gains and losses on securities available for sale	Proceeds from active sales of debt securities available for sale, along with the associated gross realized gains and gross realized losses, are shown below. Realized gains and losses are computed on the basis of specific identification. PROCEEDS FROM SALES OF SECURITIES AVAILABLE FOR SALE (DOLLARS IN THOUSANDS) Securities Available for Sale 2020 2019 $ $ Proceeds from sales 54,291 39,859 Gross realized gains 836 443 Gross realized losses 27 32
Schedule of securities in an unrealized loss position (temporary impairment)	Information pertaining to securities with gross unrealized losses at December 31, 2020, and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous loss position follows: TEMPORARY IMPAIRMENTS OF SECURITIES (DOLLARS IN THOUSANDS) Less than 12 months More than 12 months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses $ $ $ $ $ $ As of December 31, 2020 U.S. government agencies 42,988 (7 ) — — 42,988 (7 ) U.S. agency mortgage-backed securities 15,995 (157 ) 2,221 (9 ) 18,216 (166 ) U.S. agency collateralized mortgage obligations 12,933 (54 ) — — 12,933 (54 ) Asset-backed securities 8,465 (20 ) 18,080 (325 ) 26,545 (345 ) Corporate bonds — — 3,016 (12 ) 3,016 (12 ) Obligations of states & political subdivisions 15,666 (77 ) — — 15,666 (77 ) Total temporarily impaired securities 96,047 (315 ) 23,317 (346 ) 119,364 (661 ) As of December 31, 2019 U.S. government agencies 1,222 (3 ) 15,971 (25 ) 17,193 (28 ) U.S. agency mortgage-backed securities 5,040 (32 ) 24,027 (416 ) 29,067 (448 ) U.S. agency collateralized mortgage obligations 17,457 (50 ) 17,512 (144 ) 34,969 (194 ) Asset-backed securities 10,278 (169 ) 9,126 (222 ) 19,404 (391 ) Corporate bonds 2,562 (4 ) 13,041 (36 ) 15,603 (40 ) Obligations of states & political subdivisions 2,642 (9 ) — — 2,642 (9 ) Total temporarily impaired securities 39,201 (267 ) 79,677 (843 ) 118,878 (1,110 )
Schedule of unrealized gains and losses, and fair value of equity securities	The following tables summarize the amortized cost, gross unrealized gains and losses, and fair value of equity securities held at December 31, 2020 and December 31, 2019. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2020 CRA-qualified mutual funds 6,176 — — 6,176 Bank stocks 982 53 (106 ) 929 Total equity securities 7,158 53 (106 ) 7,105 Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2019 CRA-qualified mutual funds 6,071 — — 6,071 Bank stocks 614 26 (3 ) 637 Total equity securities 6,685 26 (3 ) 6,708
Schedule of unrealized gains and losses	The following table presents the net gains and losses on the Corporation’s equity investments recognized in earnings during the year ended December 31, 2020 and 2019, and the portion of unrealized gains and losses for the periods that relates to equity investments held as of December 31, 2020 and 2019. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Year Ended Year Ended December 31, December 31, $ $ Net gains (losses) recognized in equity securities during the period (76 ) 88 Less: Net gains realized on the sale of equity securities during the period — 16 Unrealized gains (losses) recognized in equity securities held at reporting date (76 ) 72

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Schedule of loan portfolio by category	The following table presents the Corporation’s loan portfolio by category of loans for 2020 and 2019. LOAN PORTFOLIO (DOLLARS IN THOUSANDS) December 31, 2020 2019 $ $ Commercial real estate Commercial mortgages 142,698 120,212 Agriculture mortgages 176,005 175,367 Construction 23,441 16,209 Total commercial real estate 342,144 311,788 Consumer real estate (a) 1-4 family residential mortgages 263,569 258,676 Home equity loans 10,708 9,770 Home equity lines of credit 71,290 70,809 Total consumer real estate 345,567 339,255 Commercial and industrial Commercial and industrial 97,896 58,019 Tax-free loans 10,949 16,388 Agriculture loans 20,365 20,804 Total commercial and industrial 129,210 95,211 Consumer 5,155 5,416 Gross loans prior to deferred costs and allowance for loan losses 822,076 751,670 Deferred loan costs, net 1,294 1,948 Allowance for credit losses (12,327 ) (9,447 ) Total net loans 811,043 744,171 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $235,437,000 and $154,577,000 as of December 31, 2020, and 2019, respectively.
Schedule of commercial and consumer credit exposure	COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) Commercial Commercial Agriculture and Tax-free Agriculture December 31, 2020 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 133,853 166,102 21,142 87,767 10,949 18,586 438,399 Special Mention 3,683 1,651 2,299 5,592 — 774 13,999 Substandard 5,162 8,252 — 4,537 — 1,005 18,956 Doubtful — — — — — — — Loss — — — — — — — Total 142,698 176,005 23,441 97,896 10,949 20,365 471,354 COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) Commercial Commercial Agriculture and Tax-free Agriculture December 31, 2019 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 117,875 158,896 16,209 52,028 16,388 18,530 379,926 Special Mention 827 4,546 — 618 — 939 6,930 Substandard 1,510 11,925 — 5,293 — 1,335 20,063 Doubtful — — — 80 — — 80 Loss — — — — — — — Total 120,212 175,367 16,209 58,019 16,388 20,804 406,999 For consumer loans, the Corporation evaluates credit quality based on whether the loan is considered performing or non-performing. A consumer loan is considered non-performing when it is over 90 days past due. Management will generally charge off consumer loans more than 120 days past due for closed end loans and over 180 days for open-end consumer loans. The following table presents the balances of consumer loans by classes of the loan portfolio based on payment performance as of December 31, 2020 and 2019: CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2020 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 262,185 10,708 71,267 5,141 349,301 Non-performing 1,384 — 23 14 1,421 Total 263,569 10,708 71,290 5,155 350,722 CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2019 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 257,374 9,678 70,799 5,412 343,263 Non-performing 1,302 92 10 4 1,408 Total 258,676 9,770 70,809 5,416 344,671
Schedule of aging of loans receivable	The following tables present an age analysis of the Corporation’s past due loans, segregated by loan portfolio class, as of December 31, 2020 and 2019: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Greater Receivable > 30-59 Days 60-89 Days than 90 Total Past Total Loans 90 Days and December 31, 2020 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — — 208 208 142,490 142,698 — Agriculture mortgages — — — — 176,005 176,005 — Construction — — — — 23,441 23,441 — Consumer real estate 1-4 family residential mortgages 618 — 1,384 2,002 261,567 263,569 1,336 Home equity loans 1 — — 1 10,707 10,708 — Home equity lines of credit — — 23 23 71,267 71,290 23 Commercial and industrial Commercial and industrial — — 469 469 97,427 97,896 — Tax-free loans — — — — 10,949 10,949 — Agriculture loans 42 — — 42 20,323 20,365 — Consumer 23 3 14 40 5,115 5,155 14 Total 684 3 2,098 2,785 819,291 822,076 1,373 AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans December 31, 2019 Greater Receivable > 30-59 Days 60-89 Days than 90 Total Past Total Loans 90 Days and Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — — 228 228 119,984 120,212 — Agriculture mortgages 962 — 1,070 2,032 173,335 175,367 — Construction — — — — 16,209 16,209 — Consumer real estate 1-4 family residential mortgages 2,254 161 1,302 3,717 254,959 258,676 807 Home equity loans 52 — 92 144 9,626 9,770 — Home equity lines of credit 43 — 10 53 70,756 70,809 10 Commercial and industrial Commercial and industrial 68 — 538 606 57,413 58,019 — Tax-free loans — — — — 16,388 16,388 — Agriculture loans 2 — — 2 20,802 20,804 — Consumer 14 12 4 30 5,386 5,416 4 Total 3,395 173 3,244 6,812 744,858 751,670 821
Schedule of nonaccrual loans by class	The following table presents non-accrual loans by classes of the loan portfolio as of December 31: NON-ACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) 2020 2019 $ $ Commercial real estate Commercial mortgages 208 228 Agriculture mortgages — 1,070 Construction — — Consumer real estate 1-4 family residential mortgages 48 495 Home equity loans — 92 Home equity lines of credit — — Commercial and industrial Commercial and industrial 469 538 Tax-free loans — — Agriculture loans — — Consumer — — Total 725 2,423
Schedule of impaired loans	The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2020: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 256 318 — 798 — Agriculture mortgages 806 835 — 1,170 46 Construction — — — — — Total commercial real estate 1,062 1,153 — 1,968 46 Commercial and industrial Commercial and industrial 469 504 — 513 23 Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 469 504 — 513 23 Total with no related allowance 1,531 1,657 — 2,481 69 With an allowance recorded: Commercial real estate Commercial mortgages 3,581 3,581 1,110 1,468 57 Agriculture mortgages 651 651 21 679 34 Construction — — — — — Total commercial real estate 4,232 4,232 1,131 2,147 91 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with a related allowance 4,232 4,232 1,131 2,147 91 Total by loan class: Commercial real estate Commercial mortgages 3,837 3,899 1,110 2,266 57 Agriculture mortgages 1,457 1,486 21 1,849 80 Construction — — — — — Total commercial real estate 5,294 5,385 1,131 4,115 137 Commercial and industrial Commercial and industrial 469 504 — 513 23 Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 469 504 — 513 23 Total 5,763 5,889 1,131 4,628 160 The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2019: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 723 765 — 859 — Agriculture mortgages 1,912 1,928 — 1,903 43 Construction — — — — — Total commercial real estate 2,635 2,693 — 2,762 43 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with no related allowance 2,635 2,693 — 2,762 43 With an allowance recorded: Commercial real estate Commercial mortgages 93 100 49 93 — Agriculture mortgages 718 718 60 760 — Construction — — — — — Total commercial real estate 811 818 109 853 — Commercial and industrial Commercial and industrial 538 549 80 261 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 538 549 80 261 — Total with a related allowance 1,349 1,367 189 1,114 — Total by loan class: Commercial real estate Commercial mortgages 816 865 49 952 — Agriculture mortgages 2,630 2,646 60 2,663 43 Construction — — — — — Total commercial real estate 3,446 3,511 109 3,615 43 Commercial and industrial Commercial and industrial 538 549 80 261 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 538 549 80 261 — Total 3,984 4,060 189 3,876 43
Schedule of allowance for credit losses	The following table details activity in the allowance for credit losses by portfolio segment for the year ended December 31, 2020: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Commercial Consumer and Real Estate Real Estate Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance 4,319 2,855 1,784 41 448 9,447 Charge-offs (45 ) — (23 ) (20 ) — (88 ) Recoveries 11 — 4 3 — 18 Provision 2,044 594 207 28 77 2,950 Ending balance 6,329 3,449 1,972 52 525 12,327 Ending balance: individually evaluated for impairment 1,131 — — — — 1,131 Ending balance: collectively evaluated for impairment 5,198 3,449 1,972 52 525 11,196 Loans receivable: Ending balance 342,144 345,567 129,210 5,155 822,076 Ending balance: individually evaluated for impairment 5,294 — 469 — 5,763 Ending balance: collectively evaluated for impairment 336,850 345,567 128,741 5,155 816,313 The following table details activity in the allowance for credit losses by portfolio segment for the year ended December 31, 2019: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Commercial Consumer and Real Estate Real Estate Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance 4,296 2,408 1,428 103 431 8,666 Charge-offs (122 ) — (63 ) (26 ) — (211 ) Recoveries 170 1 48 3 — 222 Provision (credit) (25 ) 446 371 (39 ) 17 770 Ending balance 4,319 2,855 1,784 41 448 9,447 Ending balance: individually evaluated for impairment 109 — 80 — — 189 Ending balance: collectively evaluated for impairment 4,210 2,855 1,704 41 448 9,258 Loans receivable: Ending balance 311,788 339,255 95,211 5,416 751,670 Ending balance: individually evaluated for impairment 3,446 — 538 — 3,984 Ending balance: collectively evaluated for impairment 308,342 339,255 94,673 5,416 747,686

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment	The major classes of the Corporation’s premises and equipment and accumulated depreciation are as follows: December 31, 2020 2019 $ $ Land 5,043 5,043 Buildings and improvements 29,742 29,610 Furniture and equipment 15,890 15,240 Construction in process 385 104 Total 51,060 49,997 Less accumulated depreciation (26,300 ) (24,964 ) Premises and equipment 24,760 25,033

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2020
Deposits:
Schedule of Deposit Liabilities	Deposits by major classifications are summarized as follows: December 31, 2020 2019 $ $ Non-interest bearing demand 534,853 363,857 Interest-bearing demand 47,092 25,171 NOW accounts 137,279 96,941 Money market deposit accounts 140,113 141,649 Savings accounts 274,386 211,285 Time deposits under $250,000 111,001 126,796 Time deposits of $250,000 or more 8,087 8,389 Total deposits 1,252,811 974,088
Maturities of time deposits	At December 31, 2020, the scheduled maturities of time deposits are as follows: 2021 68,116 2022 17,267 2023 10,592 2024 16,104 2025 7,009 Total 119,088

SHORT TERM BORROWINGS (Tables)

SHORT TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2020
Short-term Debt [Abstract]
Schedule of Short-term borrowings	A summary of short-term borrowings is as follows for the years ended December 31, 2020 and 2019: 2020 2019 $ $ Total short-term borrowings outstanding at year end — 200 Average interest rate at year end — 1.95% Maximum outstanding at any month end 11,012 7,747 Average amount outstanding for the year 2,342 1,890 Weighted-average interest rate for the year 0.33% 2.55%

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2020
Long-term Debt, Unclassified [Abstract]
Schedule of Federal Home Loan Bank Advances by Maturity	Maturities of FHLB borrowings at December 31, 2020, and 2019, are summarized as follows: December 31, 2020 2019 Weighted- Weighted- Average Average Amount Rate Amount Rate $ % $ % FHLB fixed rate loans 2020 — — 16,340 1.85 2021 — — 14,505 1.72 2022 10,584 2.13 15,804 1.84 2023 13,816 2.77 13,816 2.77 2024 17,407 2.02 17,407 2.02 2025 12,983 1.47 — — Total other borrowings 54,790 2.10 77,872 2.02
Schedule of Subordinated debt	Subordinated debt at December 31, 2020 and 2019 was as follows: (Dollars in thousands) December 31, 2020 2019 Carrying Carrying Issued Amount Amount Rate Amount Issued by Ranking $ $ % $ Date Issued Maturity ENB Financial Corp Subordinated (1)(2) 19,601 — 4.00% 20,000 12/30/20 12/30/30 (1) The subordinated notes qualify as Tier 2 capital for regulatory capital purposes. (2) ENB Financial Corp has the ability to call the subordinated notes, in whole, or in part, at a redemption price equal to 100% of the principal balance at certain times on or after December 30, 2025.

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Schedule of Income Tax Reconciliation	Federal income tax expense as reported differs from the amount computed by applying the statutory Federal income tax rate to income before taxes. A reconciliation of the differences by amount and percent is as follows: FEDERAL INCOME TAX SUMMARY (DOLLARS IN THOUSANDS) Year Ended December 31, 2020 2019 $ % $ % Income tax at statutory rate 3,063 21.0 2,839 21.0 Tax-exempt interest income (695 ) (4.8 ) (650 ) (4.8 ) Non-deductible interest expense 50 0.3 56 0.4 Bank-owned life insurance (151 ) (1.0 ) (153 ) (1.1 ) Other 18 0.1 34 0.2 Income tax expense 2,285 15.6 2,126 15.7
Schedule of Components of Income Tax Expense	Significant components of income tax expense are as follows: (DOLLARS IN THOUSANDS) Year Ended December 31, 2020 2019 $ $ Current tax expense 2,931 2,412 Deferred tax benefit (646 ) (286 ) Income tax expense 2,285 2,126
Schedule of Deferred Tax Assets and Liabilities	Components of the Corporation's net deferred tax position are as follows: (DOLLARS IN THOUSANDS) December 31, 2020 2019 $ $ Deferred tax assets Allowance for credit losses 2,589 1,984 Allowance for off-balance sheet extensions of credit 168 92 Interest on non-accrual loans 11 9 Other 47 75 Total deferred tax assets 2,815 2,160 Deferred tax liabilities Premises and equipment (987 ) (993 ) Net unrealized holding gains on securities available for sale (2,115 ) (426 ) Mortgage servicing rights (93 ) (113 ) Discount on investment securities (45 ) (9 ) Other (15 ) (15 ) Total deferred tax liabilities (3,255 ) (1,556 ) Net deferred tax (liabilities) assets (440 ) 604

REGULATORY MATTERS AND RESTRI_2

REGULATORY MATTERS AND RESTRICTIONS (Tables)	12 Months Ended
	Dec. 31, 2020
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of Regulatory Capital Requirements	The following chart details the Corporation’s and the Bank’s capital levels as of December 31, 2020 and December 31, 2019, compared to regulatory levels. CAPITAL LEVELS To Be Well (DOLLARS IN THOUSANDS) Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provision $ % $ % $ % As of December 31, 2020 Total Capital to Risk-Weighted Assets Consolidated 153,801 16.1 76,334 8.0 95,417 10.0 Bank 145,434 15.3 76,249 8.0 95,311 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 122,258 12.8 57,250 6.0 76,334 8.0 Bank 133,505 14.0 57,187 6.0 76,249 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated 122,258 12.8 42,938 4.5 62,021 6.5 Bank 133,505 14.0 42,890 4.5 61,952 6.5 Tier I Capital to Average Assets Consolidated 122,258 9.0 54,334 4.0 67,918 5.0 Bank 133,505 9.8 54,334 4.0 67,918 5.0 As of December 31, 2019 Total Capital to Risk-Weighted Assets Consolidated 124,970 14.5 68,740 8.0 85,925 10.0 Bank 123,346 14.4 68,688 8.0 85,860 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 115,087 13.4 51,555 6.0 68,740 8.0 Bank 113,463 13.2 51,516 6.0 68,688 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated 115,087 13.4 38,666 4.5 55,851 6.5 Bank 113,463 13.2 38,637 4.5 55,809 6.5 Tier I Capital to Average Assets Consolidated 115,087 9.9 46,271 4.0 57,839 5.0 Bank 113,463 9.8 46,271 4.0 57,839 5.0

TRANSACTIONS WITH DIRECTORS A_2

TRANSACTIONS WITH DIRECTORS AND OFFICERS (Tables)	12 Months Ended
	Dec. 31, 2020
Related Party Transactions [Abstract]
Schedule of Related Party Loans	The following table presents activity in the amounts due from directors, executive officers, immediate family, and affiliated companies. These transactions are made on the same terms and conditions, including interest rates and collateral requirements as those prevailing at the time for comparable transactions with others. An analysis of the activity with respect to such aggregate loans to related parties is shown below. LOANS TO INSIDERS (DOLLARS IN THOUSANDS) Actual $ Balance, January 1, 2019 5,169 Advances 140 Repayments (136 ) Other changes (4,533 ) Balance, December 31, 2019 640 Balance, January 1, 2020 640 Advances 16 Repayments (622 ) Other changes (3 ) Balance, December 31, 2020 31

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Schedule of ROU Assets and Lease Liabilities	The following table represents the Consolidated Balance Sheet classification of the Corporation’s ROU assets and lease liabilities. Lease Consolidated Balance Sheets Classification (Dollars in Thousands) Classification December 31, 2020 December 31, 2019 Lease Right-of-Use Assets Operating lease right-of use assets Other Assets $ 728 $ 908 Lease Liabilities Operating lease liabilties Other Liabilities $ 740 $ 916
Schedule of Opreating Leases Weighted-Average Discount Term and Rate	December 31, 2020 December 31, 2019 Weighted-average remaining lease term Operating leases 4.4 years 5.3 years Weighted-average discount rate Operating leases 3.11% 3.09%
Schedule of Maturities of Operating Leases	Future minimum payments for operating leases with initial or remaining terms of one year or more as of December 31, 2020 were as follows: Lease Payment Schedule (Dollars in Thousands) Operating Leases Twelve Months Ended: December 31, 2021 $ 204 December 31, 2022 169 December 31, 2023 153 December 31, 2024 155 December 31, 2025 93 Thereafter 20 Total Future Minimum Lease Payments 794 Amounts Representing Interests (54 ) Present Value of Net Future Minimum Lease Payments $ 740

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Dec. 31, 2020
Fair Value Disclosures [Abstract]
Schedule of assets measured on a recurring basis	The following tables provide the fair market value for assets required to be measured and reported at fair value on a recurring basis on the Consolidated Balance Sheets as of December 31, 2020 and December 31, 2019, by level within the fair value hierarchy. As required by U.S. generally accepted accounting principles, financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. ASSETS REPORTED AT FAIR VALUE ON A RECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2020 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 54,361 — 54,361 U.S. agency mortgage-backed securities — 71,052 — 71,052 U. S. agency collateralized mortgage obligations — 35,035 — 35,035 Asset-backed securities — 60,475 — 60,475 Corporate bonds — 61,723 — 61,723 Obligations of states and political subdivisions — 193,782 — 193,782 Marketable equity securities 7,105 — — 7,105 Total securities 7,105 476,428 — 483,533 ASSETS REPORTED AT FAIR VALUE ON A RECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2019 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 32,624 — 32,624 U.S. agency mortgage-backed securities — 48,626 — 48,626 U. S. agency collateralized mortgage obligations — 60,253 — 60,253 Asset-backed securities 23,262 23,262 Corporate bonds — 54,880 — 54,880 Obligations of states and political subdivisions — 88,452 — 88,452 Marketable equity securities 6,708 — — 6,708 Total securities 6,708 308,097 — 314,805
Schedule of assets measured on a nonrecurring basis	The following table provides the fair value for each class of assets required to be measured and reported at fair value on a nonrecurring basis on the Consolidated Balance Sheets as of December 31, 2020 and December 31, 2019, by level within the fair value hierarchy: ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2020 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 4,632 4,632 — — 4,632 4,632 December 31, 2019 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 3,795 3,795 Total — — 3,795 3,795
Schedule of Level III inputs	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis for which the Corporation has utilized level III inputs to determine fair value: QUANTITATIVE INFORMATION ABOUT LEVEL III FAIR VALUE MEASUREMENTS (DOLLARS IN THOUSANDS) December 31, 2020 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 4,632 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20% (-20%) Liquidation expenses (2) 0% to -10% (-10%) December 31, 2019 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 3,795 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20% (-20%) Liquidation expenses (2) 0% to -10% (-10%) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various level III inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

DISCLOSURES ABOUT FAIR VALUE _2

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2020
Unobservable inputs - Liquidation expenses
Schedule of carrying amount and fair value of financial instruments	The following tables provide the carrying amount for each class of assets and liabilities and the fair value for certain financial instruments that are not required to be measured or reported at fair value on the Corporation's Consolidated Balance Sheets as of December 31, 2020 and December 31, 2019: FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2020 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 94,939 94,939 94,939 — — Regulatory stock 6,107 6,107 6,107 — — Loans held for sale 3,029 3,029 3,029 — — Loans, net of allowance 811,043 829,902 — — 829,902 Mortgage servicing assets 1,076 1,083 — — 1,083 Accrued interest receivable 4,546 4,546 4,546 — — Bank owned life insurance 29,646 29,646 29,646 — — Financial Liabilities: Demand deposits 534,853 534,853 534,853 — — Interest-bearing demand deposits 47,092 47,092 47,092 — — NOW accounts 137,279 137,279 137,279 — — Money market deposit accounts 140,113 140,113 140,113 — — Savings accounts 274,386 274,386 274,386 — — Time deposits 119,088 121,470 — — 121,470 Total deposits 1,252,811 1,255,193 1,133,723 — 121,470 Long-term debt 54,790 51,800 — — 51,800 Subordinated debt 19,601 19,601 — — 19,601 Accrued interest payable 320 320 320 — — FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2019 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 41,053 41,053 41,053 — — Regulatory stock 7,291 7,291 7,291 — — Loans held for sale 2,342 2,342 2,342 — — Loans, net of allowance 744,171 759,011 — — 759,011 Mortgage servicing assets 892 1,049 — — 1,049 Accrued interest receivable 3,768 3,768 3,768 — — Bank owned life insurance 28,818 28,818 28,818 — — Financial Liabilities: Demand deposits 363,857 363,857 363,857 — — Interest-bearing demand deposits 25,171 25,171 25,171 — — NOW accounts 96,941 96,941 96,941 — — Money market deposit accounts 141,649 141,649 141,649 — — Savings accounts 211,285 211,285 211,285 — — Time deposits 135,185 136,781 — — 136,781 Total deposits 974,088 975,684 838,903 — 136,781 Short-term borrowings 200 200 200 — — Long-term debt 77,872 76,825 — — 76,825 Accrued interest payable 521 521 521 — —

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of accumulated other comprehensive income	The activity in accumulated other comprehensive income (loss) for the years ended December 31, 2020 and 2019 is as follows: (DOLLARS IN THOUSANDS) Unrealized Gains on Securities Available-for-Sale $ Balance at January 1, 2020 1,600 Other comprehensive income before reclassifications 6,997 Amount reclassified from accumulated other comprehensive income (639 ) Period change 6,358 Balance at December 31, 2020 7,958 Balance at January 1, 2019 (5,678 ) Other comprehensive income before reclassifications 7,603 Amount reclassified from accumulated other comprehensive loss (325 ) Period change 7,278 Balance at December 31, 2019 1,600 (1) All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 21%. (2) Amounts in parentheses indicate debits. DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Year Ended December 31, Affected Line Item 2020 2019 in the Consolidated $ $ Statements of Income Securities available for sale: Net securities gains reclassified into earnings 809 411 Gains on sale of debt securities, net Related income tax expense (170 ) (86 ) Provision for federal income taxes Net effect on accumulated other comprehensive income (loss) for the period 639 325 Total reclassifications for the period 639 325 (1) Amounts in parentheses indicate debits.

CONDENSED PARENT ONLY DATA (Tab

CONDENSED PARENT ONLY DATA (Tables)	12 Months Ended
	Dec. 31, 2020
Condensed Financial Information Disclosure [Abstract]
Condensed Balance Sheet	Condensed Balance Sheets (Parent Company Only) (DOLLARS IN THOUSANDS) December 31, 2020 2019 $ $ Assets Cash 7,705 870 Equity securities 929 637 Equity in bank subsidiary 141,463 115,064 Other assets 165 117 Total assets 150,262 116,688 Liabilities Subordinated debt 19,601 — Other Liabilities 445 — Total Liabilities 20,046 — Stockholders' Equity Common stock 574 574 Capital surplus 4,444 4,482 Retained earnings 120,670 111,944 Accumulated other comprehensive income, net of tax 7,958 1,600 Treasury stock (3,430 ) (1,912 ) Total stockholders' equity 130,216 116,688 Total liabilities and stockholders' equity 150,262 116,688
Condensed Statements of Comprehensive Income	Condensed Statements of Comprehensive Income (DOLLARS IN THOUSANDS) Year Ended December 31, 2020 2019 $ $ Income Dividend income - investment securities 27 20 Gains (losses) on equity securities, net (76 ) 88 Dividend income 5,073 5,019 Undistributed earnings of bank subsidiary 7,541 6,475 Total income 12,565 11,602 Expense Subordinated debt interest expense 4 — Shareholder expenses 153 154 Other expenses 109 53 Total expense 266 207 Net Income 12,299 11,395 Comprehensive Income 18,657 18,673
Condensed Statements of Cash Flows	Condensed Statements of Cash Flows (DOLLARS IN THOUSANDS) Year Ended December 31, 2020 2019 Cash Flows from Operating Activities: $ $ Net Income 12,299 11,395 Equity in undistributed earnings of subsidiaries (7,541 ) (6,475 ) (Gains)losses on securities transactions, net 76 (88 ) Net increase in other assets (48 ) (11 ) Net increase in other liabilities 444 — Net cash (used for) provided by operating activities 5,230 4,821 Cash Flows from Investing Activities: Proceeds from sales of equity securities — 168 Purchases of equity securities (367 ) (193 ) Net cash used for investing activities (367 ) (25 ) Cash Flows from Financing Activities: Proceeds from sale of treasury stock 660 628 Proceeds from issuance of subordinated debt 19,601 — Dividend to bank subsidiary (12,500 ) — Treasury stock purchased (2,216 ) (1,897 ) Dividends paid (3,573 ) (3,518 ) Net cash provided by (used for) financing activities 1,972 (4,787 ) Cash and Cash Equivalents: Net change in cash and cash equivalents 6,835 9 Cash and cash equivalents at beginning of period 870 861 Cash and cash equivalents at end of period 7,705 870

SUMMARY OF QUARTERLY FINANCIA_2

SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2020
Quarterly Financial Data [Abstract]
Schedule of Quarterly Results of Operations	2020 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 10,487 10,468 10,387 10,752 Interest expense 1,271 999 845 731 Net interest income 9,216 9,469 9,542 10,021 Less provision for loan losses 350 975 1,250 375 Net interest income after provision for loan losses 8,866 8,494 8,292 9,646 Other income 2,767 4,068 4,374 4,151 Operating expenses: Salaries and employee benefits 5,696 4,966 5,860 5,540 Occupancy and equipment expenses 881 932 896 894 Other operating expenses 2,533 2,346 2,442 3,088 Total operating expenses 9,110 8,244 9,198 9,522 Income before income taxes 2,523 4,318 3,468 4,275 Provision for Federal income taxes 358 719 533 675 Net income 2,165 3,599 2,935 3,600 FINANCIAL RATIOS Per share data: Net income 0.38 0.64 0.53 0.65 Cash dividends paid 0.16 0.16 0.16 0.16 2019 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 10,162 10,462 10,590 10,523 Interest expense 1,179 1,304 1,301 1,335 Net interest income 8,983 9,158 9,289 9,188 Less provision (credit) for loan losses 180 30 630 (70 ) Net interest income after provision (credit) for loan losses 8,803 9,128 8,659 9,258 Other income 2,544 2,762 2,943 3,057 Operating expenses: Salaries and employee benefits 5,188 5,105 5,227 5,512 Occupancy and equipment expenses 917 877 902 908 Other operating expenses 2,177 2,235 1,999 2,586 Total operating expenses 8,282 8,217 8,128 9,006 Income before income taxes 3,065 3,673 3,474 3,309 Provision for Federal income taxes 462 584 550 530 Net income 2,603 3,089 2,924 2,779 FINANCIAL RATIOS Per share data: Net income 0.46 0.54 0.51 0.49 Cash dividends paid 0.150 0.155 0.155 0.160

RISKS AND UNCERTAINTIES (Tables

RISKS AND UNCERTAINTIES (Tables)	12 Months Ended
	Dec. 31, 2020
Risks and Uncertainties [Abstract]
Shedule of Commercial Loans by Type	The following table provides information with respect to our at risk commercial loans by type at December 31, 2020. COMMERCIAL LOANS AT RISK (Dollars in Thousands) # $ $ % Number Total Principal of Total of Loan Balance Loan Loan Type Loans Exposure of Loans Balance Lessors of Nonresidential Buildings 160 82,936 73,391 8.91% Lessors of Residential Buildings 209 41,270 36,695 4.46% Specialized Freight 27 14,935 10,607 1.29% Residential Remodelers 94 10,595 3,751 0.46% New Single Family Housing Construction 52 8,518 4,513 0.55% Passenger Car Leasing 141 9,163 9,009 1.09% Hotels 14 8,253 5,987 0.73% Religious Organizations 33 8,083 6,980 0.85% Car Washes 10 6,633 6,473 0.79% Site Preparation Contrators 48 5,016 2,584 0.31% Other 21 9,814 5,423 0.66% Totals 809 205,216 165,413 20.10%

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Allowances for off-balance sheet extensions of credit	$ 798,000	$ 436,000
Other Real Estate Owned (OREO)
Mortgage Servicing Rights (MSRs)	1,076,000	892,000	$ 905,000
Bank owned life insurance	29,646,000	28,818,000
Advertising costs	$ 894,000	$ 820,000
401(K) Plan [Member]
Employer contribution percentage	5.00%
Employer matching contribution, maximum percentage of employee pay	2.50%
Employer matching contribution, matching percentage	50.00%
Working hour in a calender year	1,000
401(K) Plan [Member] | Non-Elective contribution [Member]
Employer contribution percentage	3.00%
401(K) Plan [Member] | Elective contribution [Member]
Employer contribution percentage	2.00%
Lower Range [Member] | 401(K) Plan [Member] | Non-Elective contribution [Member]
Employer contribution percentage	2.00%
Upper Range [Member] | 401(K) Plan [Member] | Non-Elective contribution [Member]
Employer contribution percentage	3.00%
Buildings and improvements [Member] | Lower Range [Member]
Useful life	15 years
Buildings and improvements [Member] | Upper Range [Member]
Useful life	39 years
Furniture and Equipment [Member] | Lower Range [Member]
Useful life	4 years
Furniture and Equipment [Member] | Upper Range [Member]
Useful life	10 years

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Schedule of Mortgage Servicing Rights) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Accounting Policies [Abstract]
Beginning Balance	$ 892	$ 905
Additions	753	284
Amortization	(420)	(242)
Disposals	(149)	(55)
Ending Balance	$ 1,076	$ 892

SECURITIES (Narrative) (Details

SECURITIES (Narrative) (Details)	12 Months Ended
	Dec. 31, 2020USD ($)item	Dec. 31, 2019USD ($)
Debt Securities, Available-for-sale [Line Items]
Available for sale debt securities pledged or restricted for public funds, par value	$ 86,849,000	$ 66,712,000
Available for sale debt securities pledged or restricted for public funds, fair value	91,666,000	68,732,000
Proceeds from sales of equity securities		$ 168,000
Debt Security Portfolio [Member]
Debt Securities, Available-for-sale [Line Items]
Number of securities considered temporarily impaired | item	50

SECURITIES (Schedule of Amortiz

SECURITIES (Schedule of Amortized Cost and Fair Value of Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Securities Available For Sale
Amortized Cost	$ 466,356	$ 306,070
Gross Unrealized Gains	10,733	3,137
Gross Unrealized Losses	(661)	(1,110)
Fair Value	476,428	308,097
U.S. Government Agencies [Member]
Securities Available For Sale
Amortized Cost	54,224	32,621
Gross Unrealized Gains	144	31
Gross Unrealized Losses	(7)	(28)
Fair Value	54,361	32,624
U.S. Agency Mortgage-Backed Securities [Member]
Securities Available For Sale
Amortized Cost	69,777	48,859
Gross Unrealized Gains	1,441	215
Gross Unrealized Losses	(166)	(448)
Fair Value	71,052	48,626
U.S. Agency Collateralized Mortgage Obligations [Member]
Securities Available For Sale
Amortized Cost	34,449	60,124
Gross Unrealized Gains	640	323
Gross Unrealized Losses	(54)	(194)
Fair Value	35,035	60,253
Asset-backed Securities [Member]
Securities Available For Sale
Amortized Cost	60,387	23,646
Gross Unrealized Gains	433	7
Gross Unrealized Losses	(345)	(391)
Fair Value	60,475	23,262
Corporate Bonds [Member]
Securities Available For Sale
Amortized Cost	60,387	54,604
Gross Unrealized Gains	1,348	316
Gross Unrealized Losses	(12)	(40)
Fair Value	61,723	54,880
Obligations of States and Political Subdivisions [Member]
Securities Available For Sale
Amortized Cost	187,132	86,216
Gross Unrealized Gains	6,727	2,245
Gross Unrealized Losses	(77)	(9)
Fair Value	$ 193,782	$ 88,452

SECURITIES (Schedule of Contrac

SECURITIES (Schedule of Contractual Maturity of Debt Securities) (Details) $ in Thousands	Dec. 31, 2020USD ($)
Contractual maturity of debt securities, Amortized Cost
Due in one year or less	$ 85,185
Due after one year through five years	105,606
Due after five years through ten years	58,674
Due after ten years	216,891
Total debt securities	466,356
Contractual maturity of debt securities, Fair Value
Due in one year or less	85,789
Due after one year through five years	107,758
Due after five years through ten years	59,869
Due after ten years	223,012
Securities available for sale	$ 476,428

SECURITIES (Schedule of Proceed

SECURITIES (Schedule of Proceeds and Gains and Losses on Securities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 54,291	$ 39,859
Gross realized gains	836	443
Gross realized losses	$ 27	$ 32

SECURITIES (Schedule of Securit

SECURITIES (Schedule of Securities in an Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Fair Value
Less than 12 months	$ 96,047	$ 39,201
More than 12 months	23,317	79,677
Total	119,364	118,878
Gross Unrealized Losses
Less than 12 months	(315)	(267)
More than 12 months	(346)	(843)
Total	(661)	(1,110)
U.S. Government Agencies [Member]
Fair Value
Less than 12 months	42,988	1,222
More than 12 months		15,971
Total	42,988	17,193
Gross Unrealized Losses
Less than 12 months	(7)	(3)
More than 12 months		(25)
Total	(7)	(28)
U.S. Agency Mortgage-Backed Securities [Member]
Fair Value
Less than 12 months	15,995	5,040
More than 12 months	2,221	24,027
Total	18,216	29,067
Gross Unrealized Losses
Less than 12 months	(157)	(32)
More than 12 months	(9)	(416)
Total	(166)	(448)
U.S. Agency Collateralized Mortgage Obligations [Member]
Fair Value
Less than 12 months	12,933	17,457
More than 12 months		17,512
Total	12,933	34,969
Gross Unrealized Losses
Less than 12 months	(54)	(50)
More than 12 months		(144)
Total	(54)	(194)
Asset-backed Securities [Member]
Fair Value
Less than 12 months	8,465	10,278
More than 12 months	18,080	9,126
Total	26,545	19,404
Gross Unrealized Losses
Less than 12 months	(20)	(169)
More than 12 months	(325)	(222)
Total	(345)	(391)
Corporate Bonds [Member]
Fair Value
Less than 12 months		2,562
More than 12 months	3,016	13,041
Total	3,016	15,603
Gross Unrealized Losses
Less than 12 months		(4)
More than 12 months	(12)	(36)
Total	(12)	(40)
Obligations of States and Political Subdivisions [Member]
Fair Value
Less than 12 months	15,666	2,642
More than 12 months
Total	15,666	2,642
Gross Unrealized Losses
Less than 12 months	(77)	(9)
More than 12 months
Total	$ (77)	$ (9)

SECURITIES (Schedule of Unreali

SECURITIES (Schedule of Unrealized Gains and Losses, and Fair Value of Equity Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 466,356	$ 306,070
Fair Value	476,428	308,097
CRA-qualified mutual fund [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	6,176	6,071
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value	6,176	6,071
Bank Stock [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	982	614
Gross Unrealized Gains	53	26
Gross Unrealized Losses	(106)	(3)
Fair Value	929	637
Total equity securities [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	7,158	6,685
Gross Unrealized Gains	53	26
Gross Unrealized Losses	(106)	(3)
Fair Value	$ 7,105	$ 6,708

SECURITIES (Schedule of Unrea_2

SECURITIES (Schedule of Unrealized Gains and Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Net gains (losses) recognized in equity securities during the period	$ (76)	$ 88
Less: Net gains realized on the sale of equity securities during the period		16
Unrealized gains (losses) recognized in equity securities held at reporting date	$ (76)	$ 72

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Narrative) (Details) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Foregone interest income for impaired loans		$ 54,000	$ 137,000
Increase/Decrease in ending balance of allowance for loan losses		$ 2,880,000
Increase/Decrease in ending balance of allowance for loan losses			30.50%
Allowance as percentage of total loans		1.50%	1.25%
Percentage of loans balance		51.00%
Percetage of loan losses balance		42.00%
Increase amount in Impaired loans			$ 1,275,000
Increase of specific allowance of provision expenses			57,000
TDRs loan		$ 3,600,000
Provision for specific allocation		1,100,000
Allowance for credit losses		1,131,000	60,000
Commercial Real Estate Agriculture Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase/Decrease in ending balance of allowance for loan losses	$ 718,000
Loans Serviced for Others [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate loans serviced for others		$ 235,437,000	$ 154,577,000
Consumer Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of loans balance		28.00%
Percetage of loan losses balance		42.00%
Commercial and Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of loans balance		16.00%
Percetage of loan losses balance		16.00%

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Loan Portfolio by Category) (Details) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		$ 822,076	$ 751,670
Deferred loan costs, net		1,294	1,948
Allowance for credit losses		(12,327)	(9,447)	$ (8,666)
Net loans		811,043	744,171
Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	[1]	10,708	9,770
Consumer Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	[1]	71,290	70,809
Commercial Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		342,144	311,788
Allowance for credit losses		(6,329)	(4,319)	(4,296)
Commercial Real Estate [Member] | Construction Loans [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		23,441	16,209
Commercial Real Estate [Member] | Agriculture mortgages loans [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		176,005	175,367
Commercial Real Estate [Member] | Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		142,698	120,212
Residential Portfolio Segment [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	[1]	345,567	339,255
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	[1]	263,569	258,676
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		10,708	9,770
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		71,290	70,809
Commercial mortgages [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		129,210	95,211
Commercial mortgages [Member] | Agriculture mortgages loans [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		20,365	20,804
Commercial mortgages [Member] | Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		97,896	58,019
Commercial mortgages [Member] | Government Sector [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		10,949	16,388
Consumer [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		5,155	5,416
Allowance for credit losses		$ (52)	$ (41)	$ (103)
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $235,437,000 and $154,577,000 as of December 31, 2020, and 2019, respectively.

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Commercial and Consumer Credit Exposure) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Total	$ 471,354	$ 406,999
Pass [Member]
Total	438,399	379,926
Special Mention [Member]
Total	13,999	6,930
Substandard [Member]
Total	18,956	20,063
Doubtful [Member]
Total		80
Loss [Member]
Total
Construction Loans [Member]
Total	23,441	16,209
Construction Loans [Member] | Pass [Member]
Total	21,142	16,209
Construction Loans [Member] | Special Mention [Member]
Total	2,299
Construction Loans [Member] | Substandard [Member]
Total
Construction Loans [Member] | Doubtful [Member]
Total
Construction Loans [Member] | Loss [Member]
Total
Agriculture mortgages loans [Member]
Total	176,005	175,367
Agriculture mortgages loans [Member] | Pass [Member]
Total	166,102	158,896
Agriculture mortgages loans [Member] | Special Mention [Member]
Total	1,651	4,546
Agriculture mortgages loans [Member] | Substandard [Member]
Total	8,252	11,925
Agriculture mortgages loans [Member] | Doubtful [Member]
Total
Agriculture mortgages loans [Member] | Loss [Member]
Total
Commercial and Industrial [Member]
Total	97,896	58,019
Commercial and Industrial [Member] | Pass [Member]
Total	87,767	52,028
Commercial and Industrial [Member] | Special Mention [Member]
Total	5,592	618
Commercial and Industrial [Member] | Substandard [Member]
Total	4,537	5,293
Commercial and Industrial [Member] | Doubtful [Member]
Total		80
Commercial and Industrial [Member] | Loss [Member]
Total
Government Sector [Member]
Total	10,949	16,388
Government Sector [Member] | Pass [Member]
Total	10,949	16,388
Government Sector [Member] | Special Mention [Member]
Total
Government Sector [Member] | Substandard [Member]
Total
Government Sector [Member] | Doubtful [Member]
Total
Government Sector [Member] | Loss [Member]
Total
Agriculture loans [Member]
Total	20,365	20,804
Agriculture loans [Member] | Pass [Member]
Total	18,586	18,530
Agriculture loans [Member] | Special Mention [Member]
Total	774	939
Agriculture loans [Member] | Substandard [Member]
Total	1,005	1,335
Agriculture loans [Member] | Doubtful [Member]
Total
Agriculture loans [Member] | Loss [Member]
Total
Commercial mortgages [Member]
Total	142,698	120,212
Commercial mortgages [Member] | Pass [Member]
Total	133,853	117,875
Commercial mortgages [Member] | Special Mention [Member]
Total	3,683	827
Commercial mortgages [Member] | Substandard [Member]
Total	5,162	1,510
Commercial mortgages [Member] | Doubtful [Member]
Total
Commercial mortgages [Member] | Loss [Member]
Total

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Credit Risk Profile by Payment Performance) (Details) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Gross loans prior to deferred costs and allowance for loan losses		$ 822,076	$ 751,670
Consumer Borrower [Member]
Gross loans prior to deferred costs and allowance for loan losses		350,722	344,671
Home Equity Loan [Member]
Gross loans prior to deferred costs and allowance for loan losses	[1]	10,708	9,770
Consumer Home Equity Lines of Credit [Member]
Gross loans prior to deferred costs and allowance for loan losses	[1]	71,290	70,809
1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred costs and allowance for loan losses		263,569	258,676
Consumer [Member]
Gross loans prior to deferred costs and allowance for loan losses		5,155	5,416
Performing [Member]
Gross loans prior to deferred costs and allowance for loan losses		349,301	343,263
Performing [Member] | Home Equity Loan [Member]
Gross loans prior to deferred costs and allowance for loan losses		10,708	9,678
Performing [Member] | Consumer Home Equity Lines of Credit [Member]
Gross loans prior to deferred costs and allowance for loan losses		71,267	70,799
Performing [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred costs and allowance for loan losses		262,185	257,374
Performing [Member] | Consumer [Member]
Gross loans prior to deferred costs and allowance for loan losses		5,141	5,412
Nonperforming [Member]
Gross loans prior to deferred costs and allowance for loan losses		1,421	1,408
Nonperforming [Member] | Home Equity Loan [Member]
Gross loans prior to deferred costs and allowance for loan losses			92
Nonperforming [Member] | Consumer Home Equity Lines of Credit [Member]
Gross loans prior to deferred costs and allowance for loan losses		23	10
Nonperforming [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred costs and allowance for loan losses		1,384	1,302
Nonperforming [Member] | Consumer [Member]
Gross loans prior to deferred costs and allowance for loan losses		$ 14	$ 4
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $235,437,000 and $154,577,000 as of December 31, 2020, and 2019, respectively.

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Aging of Loans Receivable) (Details) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Past Due [Line Items]
Total Past Due		$ 2,785	$ 6,812
Current		819,291	744,858
Total Loans Receivable		822,076	751,670
Loans Receivable - Greater than 90 Days and Accruing		1,373	821
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		684	3,395
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		3	173
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		2,098	3,244
Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Total Loans Receivable	[1]	10,708	9,770
Consumer Home Equity Lines of Credit [Member]
Financing Receivable, Past Due [Line Items]
Total Loans Receivable	[1]	71,290	70,809
Commercial Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		342,144	311,788
Commercial Real Estate [Member] | Construction Loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Current		23,441	16,209
Total Loans Receivable		23,441	16,209
Loans Receivable - Greater than 90 Days and Accruing
Commercial Real Estate [Member] | Construction Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial Real Estate [Member] | Construction Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial Real Estate [Member] | Construction Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial Real Estate [Member] | Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		208	228
Current		142,490	119,984
Total Loans Receivable		142,698	120,212
Loans Receivable - Greater than 90 Days and Accruing
Commercial Real Estate [Member] | Commercial and Industrial [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial Real Estate [Member] | Commercial and Industrial [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial Real Estate [Member] | Commercial and Industrial [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		208	228
Commercial Real Estate [Member] | Agriculture mortgages loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due			2,032
Current		176,005	173,335
Total Loans Receivable		176,005	175,367
Loans Receivable - Greater than 90 Days and Accruing
Commercial Real Estate [Member] | Agriculture mortgages loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due			962
Commercial Real Estate [Member] | Agriculture mortgages loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial Real Estate [Member] | Agriculture mortgages loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due			1,070
Residential Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Total Loans Receivable	[1]	345,567	339,255
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		2,002	3,717
Current		261,567	254,959
Total Loans Receivable	[1]	263,569	258,676
Loans Receivable - Greater than 90 Days and Accruing		1,336	807
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		618	2,254
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due			161
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		1,384	1,302
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		1	144
Current		10,707	9,626
Total Loans Receivable		10,708	9,770
Loans Receivable - Greater than 90 Days and Accruing
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		1	52
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due			92
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		23	53
Current		71,267	70,756
Total Loans Receivable		71,290	70,809
Loans Receivable - Greater than 90 Days and Accruing		23	10
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due			43
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		23	10
Commercial mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Loans Receivable		129,210	95,211
Commercial mortgages [Member] | Commercial and Industrial [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		469	606
Current		97,427	57,413
Total Loans Receivable		97,896	58,019
Loans Receivable - Greater than 90 Days and Accruing
Commercial mortgages [Member] | Commercial and Industrial [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due			68
Commercial mortgages [Member] | Commercial and Industrial [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial mortgages [Member] | Commercial and Industrial [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		469	538
Commercial mortgages [Member] | Agriculture mortgages loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		42	2
Current		20,323	20,802
Total Loans Receivable		20,365	20,804
Loans Receivable - Greater than 90 Days and Accruing
Commercial mortgages [Member] | Agriculture mortgages loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		42	2
Commercial mortgages [Member] | Agriculture mortgages loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial mortgages [Member] | Agriculture mortgages loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial mortgages [Member] | Government Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Current		10,949	16,388
Total Loans Receivable		10,949	16,388
Loans Receivable - Greater than 90 Days and Accruing
Commercial mortgages [Member] | Government Sector [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial mortgages [Member] | Government Sector [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial mortgages [Member] | Government Sector [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Consumer [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		40	30
Current		5,115	5,386
Total Loans Receivable		5,155	5,416
Loans Receivable - Greater than 90 Days and Accruing		14	4
Consumer [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		23	14
Consumer [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		3	12
Consumer [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		$ 14	$ 4
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $235,437,000 and $154,577,000 as of December 31, 2020, and 2019, respectively.

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Nonaccrual Loans by Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	$ 725	$ 2,423
Commercial Real Estate [Member] | Construction Loans [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	48	495
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans		92
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Consumer [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Commercial and Industrial [Member] | Commercial Real Estate [Member] | Real Estate Loan [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	208	228
Commercial and Industrial [Member] | Commercial mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	469	538
Agriculture mortgages loans [Member] | Commercial Real Estate [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans		1,070
Agriculture mortgages loans [Member] | Commercial mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Government Sector [Member] | Commercial mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Impaired Loans by Loan Portfolio Class) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Loans with no related allowance recorded:
Recorded Investment	$ 1,531	$ 2,635
Unpaid Principal Balance	1,657	2,693
Average Recorded Investment	2,481	2,762
Interest Income Recognized	69	43
Loans with an allowance recorded:
Recorded Investment	4,232	1,349
Unpaid Principal Balance	4,232	1,367
Related Allowance	1,131	189
Average Recorded Investment	2,147	1,114
Interest Income Recognized	91
Total impaired loans
Recorded Investment	5,763	3,984
Unpaid Principal Balance	5,889	4,060
Average Recorded Investment	4,628	3,876
Interest Income Recognized	160	43
Commercial Real Estate [Member]
Loans with no related allowance recorded:
Recorded Investment	1,062	2,635
Unpaid Principal Balance	1,153	2,693
Average Recorded Investment	1,968	2,762
Interest Income Recognized	46	43
Loans with an allowance recorded:
Recorded Investment	4,232	811
Unpaid Principal Balance	4,232	818
Related Allowance	1,131	109
Average Recorded Investment	2,147	853
Interest Income Recognized	91
Total impaired loans
Recorded Investment	5,294	3,446
Unpaid Principal Balance	5,385	3,511
Average Recorded Investment	4,115	3,615
Interest Income Recognized	137	43
Commercial Real Estate [Member] | Agriculture mortgages loans [Member]
Loans with no related allowance recorded:
Recorded Investment	806	1,912
Unpaid Principal Balance	835	1,928
Average Recorded Investment	1,170	1,903
Interest Income Recognized	46	43
Loans with an allowance recorded:
Recorded Investment	651	718
Unpaid Principal Balance	651	718
Related Allowance	21	60
Average Recorded Investment	679	760
Interest Income Recognized	34
Total impaired loans
Recorded Investment	1,457	2,630
Unpaid Principal Balance	1,486	2,646
Average Recorded Investment	1,849	2,663
Interest Income Recognized	80	43
Commercial Real Estate [Member] | Commercial mortgages [Member]
Loans with no related allowance recorded:
Recorded Investment	256	723
Unpaid Principal Balance	318	765
Average Recorded Investment	798	859
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment	3,581	93
Unpaid Principal Balance	3,581	100
Related Allowance	1,110	49
Average Recorded Investment	1,468	93
Interest Income Recognized	57
Total impaired loans
Recorded Investment	3,837	816
Unpaid Principal Balance	3,899	865
Average Recorded Investment	2,266	952
Interest Income Recognized	57
Commercial Real Estate [Member] | Construction Loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Commercial and Industrial [Member]
Loans with no related allowance recorded:
Recorded Investment	469
Unpaid Principal Balance	504
Average Recorded Investment	513
Interest Income Recognized	23
Loans with an allowance recorded:
Recorded Investment		538
Unpaid Principal Balance		549
Related Allowance		80
Average Recorded Investment		261
Interest Income Recognized
Total impaired loans
Recorded Investment	469	538
Unpaid Principal Balance	504	549
Average Recorded Investment	513	261
Interest Income Recognized	23
Commercial and Industrial [Member] | Agriculture mortgages loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Commercial and Industrial [Member] | Tax-free loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Schedule of Allowance for Credit Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Allowance for credit losses:
Beginning balance	$ 9,447	$ 8,666
Charge-offs	(88)	(211)
Recoveries	18	222
Provision (credit)	2,950	770
Ending balance	12,327	9,447
Ending balance: Individually evaluated for impairment	1,131	189
Ending balance: Collectively evaluated for impairment	11,196	9,258
Loans receivable:
Total Loans Receivable	822,076	751,670
Ending balance: Individually evaluated for impairment	5,763	3,984
Ending balance: Collectively evaluated for impairment	816,313	747,686
Commercial Real Estate [Member]
Allowance for credit losses:
Beginning balance	4,319	4,296
Charge-offs	(45)	(122)
Recoveries	11	170
Provision (credit)	2,044	(25)
Ending balance	6,329	4,319
Ending balance: Individually evaluated for impairment	1,131	109
Ending balance: Collectively evaluated for impairment	5,198	4,210
Loans receivable:
Total Loans Receivable	342,144	311,788
Ending balance: Individually evaluated for impairment	5,294	3,445
Ending balance: Collectively evaluated for impairment	336,850	308,342
Consumer Real Estate [Member]
Allowance for credit losses:
Beginning balance	2,855	2,408
Charge-offs
Recoveries		1
Provision (credit)	594	446
Ending balance	3,449	2,855
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	3,449	2,855
Loans receivable:
Total Loans Receivable	345,567	339,255
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	345,567	339,255
Commercial and Industrial [Member]
Allowance for credit losses:
Beginning balance	1,784	1,428
Charge-offs	(23)	(63)
Recoveries	4	48
Provision (credit)	207	371
Ending balance	1,972	1,784
Ending balance: Individually evaluated for impairment		80
Ending balance: Collectively evaluated for impairment	1,972	1,704
Loans receivable:
Total Loans Receivable	129,210	95,211
Ending balance: Individually evaluated for impairment	469	538
Ending balance: Collectively evaluated for impairment	128,741	94,673
Consumer [Member]
Allowance for credit losses:
Beginning balance	41	103
Charge-offs	(20)	(26)
Recoveries	3	3
Provision (credit)	28	(39)
Ending balance	52	41
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	52	41
Loans receivable:
Total Loans Receivable	5,155	5,416
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	5,155	5,416
Unallocated [Member]
Allowance for credit losses:
Beginning balance	448	431
Charge-offs
Recoveries
Provision (credit)	77	17
Ending balance	525	448
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	$ 525	$ 448

PREMISES AND EQUIPMENT (Narrati

PREMISES AND EQUIPMENT (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Depreciation	$ 1,377,000	$ 1,446,000

PREMISES AND EQUIPMENT (Schedul

PREMISES AND EQUIPMENT (Schedule of Premises and Equipment and Accumulated Depreciation) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Premises and equipment, gross	$ 51,060	$ 49,997
Less accumulated depreciation	(26,300)	(24,964)
Premises and equipment, net	24,760	25,033
Land [Member]
Premises and equipment, gross	5,043	5,043
Buildings and improvements [Member]
Premises and equipment, gross	29,742	29,610
Furniture and Equipment [Member]
Premises and equipment, gross	15,890	15,240
Construction in process [Member]
Premises and equipment, gross	$ 385	$ 104

REGULATORY STOCK (Narrative) (D

REGULATORY STOCK (Narrative) (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Federal Home Loan Bank Stock and Federal Reserve Bank Stock [Abstract]
Federal Home Loan Bank Stock	$ 5,919,000	$ 7,103,000
Federal Reserve Bank Stock	151,000	151,000
Atlantic Community Bankers' Bank Stock	$ 37,000	$ 37,000
Federal Home Loan Bank quarterly dividend yield, annualized on activity stock	6.25%
Federal Home Loan Bank quarterly dividend yield, annualized on membership stock	4.50%

DEPOSITS (Schedule of Deposits

DEPOSITS (Schedule of Deposits by Major Classification) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deposits:
Non-interest bearing demand	$ 534,853	$ 363,857
Interest-bearing demand	47,092	25,171
NOW accounts	137,279	96,941
Money market deposit accounts	140,113	141,649
Savings accounts	274,386	211,285
Time deposits under $250,000	111,001	126,796
Time deposits of $250,000 or more	8,087	8,389
Total deposits	$ 1,252,811	$ 974,088

DEPOSITS (Schedule of Maturitie

DEPOSITS (Schedule of Maturities of Time Deposits) (Details) $ in Thousands	Dec. 31, 2020USD ($)
Maturities of time deposits
2021	$ 68,116
2022	17,267
2023	10,592
2024	16,104
2025	7,009
Total	$ 119,088

SHORT TERM BORROWINGS (Narrativ

SHORT TERM BORROWINGS (Narrative) (Details) $ in Millions	Dec. 31, 2020USD ($)
Federal Fund Lines [Member]
Amount of borrowings available	$ 32
FRB Discount Window [Member]
Amount of borrowings available	$ 49.5

SHORT TERM BORROWINGS (Schedule

SHORT TERM BORROWINGS (Schedule of Short-Term Borrowings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Total short-term borrowings outstanding at year end		$ 200
Short-term Borrowings [Member]
Average interest rate at year end		1.95%
Maximum outstanding at any month end	$ 11,012	$ 7,747
Average amount outstanding for the year	$ 2,342	$ 1,890
Weighted-average interest rate for the year	0.33%	2.55%

OTHER BORROWED FUNDS (Narrative

OTHER BORROWED FUNDS (Narrative) (Details) - Federal Home Loan Bank Advances [Member] $ in Millions	Dec. 31, 2020USD ($)
Maximum borrowing capacity	$ 471
Amount available to be borrowed	$ 416.2

OTHER BORROWED FUNDS (Schedule

OTHER BORROWED FUNDS (Schedule of Maturities of FHLB borrowings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Federal Home Loan bank Advances
Federal Home Loan Bank Advances	$ 54,790	$ 77,872
Weighted- Average Rate %	2.10%	2.02%
FHLB Fixed Rate Loans 1 [Member]
Federal Home Loan bank Advances
Maturity Year	2020	2020
Federal Home Loan Bank Advances		$ 16,340
Weighted- Average Rate %		1.85%
FHLB Fixed Rate Loans 2 [Member]
Federal Home Loan bank Advances
Maturity Year	2021	2021
Federal Home Loan Bank Advances		$ 14,505
Weighted- Average Rate %		1.72%
FHLB Fixed Rate Loans 3 [Member]
Federal Home Loan bank Advances
Maturity Year	2022	2022
Federal Home Loan Bank Advances	$ 10,584	$ 15,804
Weighted- Average Rate %	2.13%	1.84%
FHLB Fixed Rate Loans 4 [Member]
Federal Home Loan bank Advances
Maturity Year	2023	2023
Federal Home Loan Bank Advances	$ 13,816	$ 13,816
Weighted- Average Rate %	2.77%	2.77%
FHLB Fixed Rate Loans 5 [Member]
Federal Home Loan bank Advances
Maturity Year	2024	2024
Federal Home Loan Bank Advances	$ 17,407	$ 17,407
Weighted- Average Rate %	2.02%	2.02%
FHLB Fixed Rate Loans 6 [Member]
Federal Home Loan bank Advances
Maturity Year	2025	2025
Federal Home Loan Bank Advances	$ 12,983
Weighted- Average Rate %	1.47%

OTHER BORROWED FUNDS (Schedul_2

OTHER BORROWED FUNDS (Schedule of Subordinated debt) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Long-term Debt, Unclassified [Abstract]
Issued company name		ENB Financial Corp
Ranking	[1],[2]	Subordinated
Carrying Amount		$ 19,601
Debt rate		4.00%
Debt Issued Amount		$ 20,000
Date Issued		Dec. 30, 2020
Maturity		Dec. 30, 2030
[1]	ENB Financial Corp has the ability to call the subordinated notes, in whole, or in part, at a redemption price equal to 100% of the principal balance at certain times on or after December 30, 2025.
[2]	The subordinated notes qualify as Tier 2 capital for regulatory capital purposes.

CAPITAL TRANSACTIONS (Details)

CAPITAL TRANSACTIONS (Details) - USD ($)	1 Months Ended	12 Months Ended		168 Months Ended	216 Months Ended
	Oct. 21, 2020	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2020	Jun. 28, 2019	Feb. 20, 2019
Class of Stock Disclosures [Abstract]
Stock buyback plan authorized	200,000					200,000	100,000
Weighted-average cost per share of shares repurchased	$ 20.35	$ 18.70
Repurchased shares	176,669	10,000
Repurchased shares, value	$ 3,596,000	$ 187,000
Share discount via stock purchase plan		10.00%		10.00%	10.00%
Treasury stock issued, shares		34,891	31,744
Shares issued under Employee Stock Purchase Plan (ESPP)		20,624	17,421		255,888
Shares issued under Dividend Reinvestment Plan (DRP)		12,773	12,783	217,226
Shares issued under Directors' Stock Purchase Plan		1,494	1,540		37,532
Treasury shares		172,884	98,372	172,884	172,884
Weighted-average cost per share of treasury stock		$ 19.84		$ 19.84	$ 19.84
Cost basis of treasury shares		$ 3,430,000		$ 3,430,000	$ 3,430,000

RETIREMENT PLANS (Details)

RETIREMENT PLANS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Pension [Member]
Defined Contribution Plan Disclosure [Line Items]
Covered compensation limit of the defined contribution pension plan	$ 285,000	$ 280,000
Expenses recognized for defined contribution plans	622,000	692,000
401(k) Plan [Member]
Defined Contribution Plan Disclosure [Line Items]
Expenses recognized for defined contribution plans	$ 398,000	363,000
Contribution, percentage	2.50%
Eligiblity of employees compensation	an eligible employee’s compensation, at $0.50 for every $1.00
Employer contribution	5.00%
Participants Under Age 50 [Member] | 401(k) Plan [Member]
Defined Contribution Plan Disclosure [Line Items]
Maximum contribution to plans	$ 19,500	19,000
Participants Over Age 50 [Member] | 401(k) Plan [Member]
Defined Contribution Plan Disclosure [Line Items]
Maximum contribution to plans	$ 26,000	$ 25,000
401(K) Plan [Member]
Defined Contribution Plan Disclosure [Line Items]
Contribution, percentage	2.50%
Employer contribution	5.00%
401(K) Plan [Member] | Non-Elective contribution [Member]
Defined Contribution Plan Disclosure [Line Items]
Employer contribution	3.00%
401(K) Plan [Member] | Non-Elective contribution [Member] | Lower Range [Member]
Defined Contribution Plan Disclosure [Line Items]
Employer contribution	2.00%
401(K) Plan [Member] | Non-Elective contribution [Member] | Upper Range [Member]
Defined Contribution Plan Disclosure [Line Items]
Employer contribution	3.00%

DEFERRED COMPENSATION (Details)

DEFERRED COMPENSATION (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Deferred Compensation Arrangements [Abstract]
Life insurance policies, aggregate face amount	$ 3,409,000	$ 3,409,000
Death benefits of life insurance policies	6,734,000	6,768,000
Cash surrender value of life insurance policies	$ 5,177,000	$ 4,980,000

INCOME TAXES (Schedule of Incom

INCOME TAXES (Schedule of Income Tax Reconciliation) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income tax at statutory rate									$ 3,063	$ 2,839
Tax-exempt interest income									(695)	(650)
Non-deductible interest expense									50	56
Bank-owned life insurance									(151)	(153)
Other									18	34
Income tax expense	$ 675	$ 533	$ 719	$ 358	$ 530	$ 550	$ 584	$ 462	$ 2,285	$ 2,126
Income tax at statutory rate, rate									21.00%	21.00%
Tax-exempt interest income, rate									(4.80%)	(4.80%)
Non-deductible interest expense, rate									0.30%	0.40%
Bank-owned life insurance, rate									(1.00%)	(1.10%)
Other, rate									0.10%	0.20%
Income tax expense, rate									15.60%	15.70%

INCOME TAXES (Schedule of Compo

INCOME TAXES (Schedule of Components of Income Tax Expense) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Current tax expense									$ 2,931	$ 2,412
Deferred tax benefit									(646)	(286)
Income tax expense	$ 675	$ 533	$ 719	$ 358	$ 530	$ 550	$ 584	$ 462	$ 2,285	$ 2,126

INCOME TAXES (Schedule of Com_2

INCOME TAXES (Schedule of Components of Corporation's Net Deferred Tax Position) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deferred tax assets
Allowance for credit losses	$ 2,589	$ 1,984
Allowance for off-balance sheet extensions of credit	168	92
Interest on non-accrual loans	11	9
Other	47	75
Total deferred tax assets	2,815	2,160
Deferred tax liabilities
Premises and equipment	(987)	(993)
Net unrealized holding gains on securities available for sale	(2,115)	(426)
Mortgage servicing rights	(93)	(113)
Discount on investment securities	(45)	(9)
Other	(15)	(15)
Total deferred tax liabilities	(3,255)	(1,556)
Net deferred tax (liabilities) assets	$ (440)	$ 604

REGULATORY MATTERS AND RESTRI_3

REGULATORY MATTERS AND RESTRICTIONS (Narrative) (Details) $ in Millions	Dec. 31, 2020USD ($)
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Retained net profits available to pay dividends	$ 14

REGULATORY MATTERS AND RESTRI_4

REGULATORY MATTERS AND RESTRICTIONS (Schedule of Retained Net Profits Available to Pay Dividends) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Bank [Member]
Total Capital
Total Capital	$ 145,434	$ 123,346
Total Capital (to risk-weighted assets) ratio	15.30%	14.40%
Amount of capital for adequacy purposes	$ 76,249	$ 68,688
Amount of capital for adequacy purposes, ratio	8.00%	8.00%
To be well-capitalized	$ 95,311	$ 85,860
To be well-capitalized, ratio	10.00%	10.00%
Tier 1 Capital (to risk-weighted assets)
Tier 1 Capital	$ 133,505	$ 113,463
Tier 1 Capital (to risk-weighted assets) ratio	14.00%	13.20%
Amount of Tier 1 Capital for adequacy purposes	$ 57,187	$ 51,516
Amount of Tier 1 Capital for adequacy purposes, ratio	6.00%	6.00%
Tier 1 Capital to be well-capitalized	$ 76,249	$ 68,688
Tier 1 Capital to be well-capitalized, ratio	8.00%	8.00%
Common Equity Tier I Capital (to risk-weighted assets)
Common Equity Tier I Capital	$ 133,505	$ 113,463
Common Equity Tier I Capital ratio	14.00%	13.20%
Amount of Common Equity Tier 1 Capital for adequacy purposes	$ 42,890	$ 38,637
Amount of Common Equity Tier 1 Capital for adequacy purposes, ratio	4.50%	4.50%
Common Equity Tier 1 Capital to be well-capitalized	$ 61,952	$ 55,809
Common Equity Tier 1 Capital to be well-capitalized, ratio	6.50%	6.50%
Tier 1 Leverage Capital (to average assets)
Tier 1 Capital	$ 133,505	$ 113,463
Tier 1 Capital (to average assets) ratio	9.80%	9.80%
Amount of Tier 1 Capital for adequacy purposes	$ 54,334	$ 46,271
Amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Tier 1 Capital to be well-capitalized	$ 67,918	$ 57,839
Tier 1 Capital to be well-capitalized, ratio	5.00%	5.00%
Consolidated [Member]
Total Capital
Total Capital	$ 153,801	$ 124,970
Total Capital (to risk-weighted assets) ratio	16.10%	14.50%
Amount of capital for adequacy purposes	$ 76,334	$ 68,740
Amount of capital for adequacy purposes, ratio	8.00%	8.00%
To be well-capitalized	$ 95,417	$ 85,925
To be well-capitalized, ratio	10.00%	10.00%
Tier 1 Capital (to risk-weighted assets)
Tier 1 Capital	$ 122,258	$ 115,087
Tier 1 Capital (to risk-weighted assets) ratio	12.80%	13.40%
Amount of Tier 1 Capital for adequacy purposes	$ 57,250	$ 51,555
Amount of Tier 1 Capital for adequacy purposes, ratio	6.00%	6.00%
Tier 1 Capital to be well-capitalized	$ 76,334	$ 68,740
Tier 1 Capital to be well-capitalized, ratio	8.00%	8.00%
Common Equity Tier I Capital (to risk-weighted assets)
Common Equity Tier I Capital	$ 122,258	$ 115,087
Common Equity Tier I Capital ratio	12.80%	13.40%
Amount of Common Equity Tier 1 Capital for adequacy purposes	$ 42,938	$ 38,666
Amount of Common Equity Tier 1 Capital for adequacy purposes, ratio	4.50%	4.50%
Common Equity Tier 1 Capital to be well-capitalized	$ 62,021	$ 55,851
Common Equity Tier 1 Capital to be well-capitalized, ratio	6.50%	6.50%
Tier 1 Leverage Capital (to average assets)
Tier 1 Capital	$ 122,258	$ 115,087
Tier 1 Capital (to average assets) ratio	9.00%	9.90%
Amount of Tier 1 Capital for adequacy purposes	$ 54,334	$ 46,271
Amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Tier 1 Capital to be well-capitalized	$ 67,918	$ 57,839
Tier 1 Capital to be well-capitalized, ratio	5.00%	5.00%

TRANSACTIONS WITH DIRECTORS A_3

TRANSACTIONS WITH DIRECTORS AND OFFICERS (Narrative) (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Related Party Transactions [Abstract]
Related party deposit liabilities	$ 2,313,000	$ 1,019,000

TRANSACTIONS WITH DIRECTORS A_4

TRANSACTIONS WITH DIRECTORS AND OFFICERS (Schedule of Related Party Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Loans to Insiders
Beginning Balance	$ 640	$ 5,169
Advances	16	140
Repayments	(622)	(136)
Other Changes	(3)	(4,533)
Ending Balance	$ 31	$ 640

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Commitment to extend credit	$ 77.1	$ 334.1
Loan Commitments [Member]
Commitment to extend credit	322.4	62.2
Line of Credit [Member]
Commitment to extend credit	8.5	263.2
Open Letter of Credit [Member]
Commitment to extend credit	$ 408	$ 8.7

FINANCIAL INSTRUMENTS WITH CO_2

FINANCIAL INSTRUMENTS WITH CONCENTRATIONS OF CREDIT RISK (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Loans receivable:
Legal Lending Limit	$ 21,815,000	$ 18,502,000
Legal Lending Limit, percent	15.00%
Policy Lending Limit	$ 16,361,000	13,876,000
Policy Lending Limit, percent	75.00%
Gross loans prior to deferred costs and allowance for loan losses	$ 822,076,000	751,670,000
Concentration risk (as a percentage)	20.10%
Securities Available for sale:
Gross Amortized Cost	$ 466,356,000	$ 306,070,000
Commercial and Industrial Tax Free Loans [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 11,000,000
Commercial and Industrial Tax Free Loans [Member] | Credit concentration risk [Member]
Loans receivable:
Concentration risk (as a percentage)	1.30%
Total Commercial and Industrial [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 129,200,000
NAICS Dairy Cattle and Milk Production Loans [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 87,000,000
NAICS Dairy Cattle and Milk Production Loans [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	10.60%
NAICS Non-Residential Real Estate Investment Loans [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 82,900,000
NAICS Non-Residential Real Estate Investment Loans [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	10.10%
Broilers and other chicken production loans [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 42,800,000
Broilers and other chicken production loans [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	5.20%
Commercial Real Estate Agriculture Mortgages [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	21.40%	23.30%
Commercial Real Estate [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 342,100,000
Commercial Real Estate [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	41.60%
Total Consumer Real Estate [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 345,600,000	$ 339,300,000
Total Consumer Real Estate [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	42.00%	45.10%
Obligations of States and Political Subdivisions - States of Texas [Member]
Securities Available for sale:
Gross Amortized Cost	$ 23,100,000
Concentration Risk Percentage, as compared to total debt securities	11.90%
Concentration Risk Percentage, as compared to total municipal securities portfolio	4.90%
Obligations of States and Political Subdivisions - State of Texas [Member]
Securities Available for sale:
Gross Amortized Cost	$ 28,400,000
Concentration Risk Percentage, as compared to total debt securities	14.70%
Concentration Risk Percentage, as compared to total municipal securities portfolio	6.00%
Obligations of states and political subdivisions - State of Pennsylvania [Member]
Securities Available for sale:
Gross Amortized Cost	$ 44,700,000
Concentration Risk Percentage, as compared to total debt securities	23.10%
Concentration Risk Percentage, as compared to total municipal securities portfolio	9.40%
Energy companies [Member] | Non-Financial Commercial Paper [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	$ 5,100,000
Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	$ 60,387,000	$ 54,604,000
Concentration Risk Percentage, as compared to total debt securities	13.00%
Corporate Bonds [Member] | Non-Financial Commercial Paper [Member]
Securities Available for sale:
Gross Amortized Cost	$ 13,700,000
Corporate Bonds [Member] | Non-Financial Commercial Paper [Member] | Real Estate Companies [Member]
Securities Available for sale:
Gross Amortized Cost	2,000,000
Corporate Bonds [Member] | Non-Financial Commercial Paper [Member] | Healthcare [Member]
Securities Available for sale:
Gross Amortized Cost	2,600,000
Corporate Bonds [Member] | Financial and Brokerage Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	$ 46,700,000
Concentration Risk Percentage, as compared to total corporate bond securities	77.30%
Corporate Bonds [Member] | Domestic Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	$ 35,300,000
Corporate Bonds [Member] | Domestic Issuers [Member] | Financial and Brokerage Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	21,600,000
Corporate Bonds [Member] | Foreign Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	25,100,000
Corporate Bonds [Member] | Foreign Issuers [Member] | Financial and Brokerage Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	25,100,000
Commercial Paper - Brokerage [Member] | Domestic Issuers [Member] | Financial and Brokerage Issuers [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	9,400,000
Commercial Paper - Bank Debt [Member] | Domestic Issuers [Member] | Financial and Brokerage Issuers [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	12,200,000
Commercial Paper [Member] | Foreign Issuers [Member] | Financial and Brokerage Issuers [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	$ 25,100,000
More Typically Known Corporate Bonds [Member]
Securities Available for sale:
Concentration Risk Percentage, as compared to total debt securities	20.00%
Concentration Risk Percentage, as compared to total municipal securities portfolio	55.00%
Insurance Companies [Member] | Non-Financial Commercial Paper [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	$ 2,000,000
Biotechnology [Member] | Non-Financial Commercial Paper [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	$ 2,000,000

LEASES (Schedule of ROU Assets

LEASES (Schedule of ROU Assets and Lease Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Lease Right-of-Use Assets
Operating lease right-of use assets	$ 728	$ 908
Lease Liabilities
Operating lease liabilties	$ 740	$ 916

LEASES (Schedule of Opreating L

LEASES (Schedule of Opreating Leases Weighted-Average Discount Term and Rate) (Details)	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
Weighted-average remaining lease term Operating leases	4 years 4 months 24 days	5 years 3 months 19 days
Weighted-average discount rate Operating leases	3.11%	3.09%

LEASES (Schedule of Maturities

LEASES (Schedule of Maturities of Operating Leases) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Twelve Months Ended:
December 31, 2021	$ 204
December 31, 2022	169
December 31, 2023	153
December 31, 2024	155
December 31, 2025	93
Thereafter	20
Total Future Minimum Lease Payments	794
Amounts Representing Interests	(54)
Present Value of Net Future Minimum Lease Payments	$ 740	$ 916

FAIR VALUE MEASUREMENTS (Narrat

FAIR VALUE MEASUREMENTS (Narrative) (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, market value	$ 7,105,000	$ 6,708,000
Impaired Financing Receivable, Recorded Investment	5,763,000	3,984,000
Related Allowance	1,131,000	189,000
CRA Investment Fund [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	6,176,000	6,071,000
Regulatory Bank Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	982,000	614,000
Regulatory Bank Stock [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, market value	$ 929,000	$ 637,000

FAIR VALUE MEASUREMENTS (Schedu

FAIR VALUE MEASUREMENTS (Schedule of Assets Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Recurring Fair Value Measurements
Securities available for sale (at fair value)	$ 476,428	$ 308,097
U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	54,361	32,624
U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	71,052	48,626
U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	35,035	60,253
Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	60,475	23,262
Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	61,723	54,880
Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	193,782	88,452
Total equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	7,105	6,708
Fair Value Measured on a Recurring Basis [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	483,533	314,805
Fair Value Measured on a Recurring Basis [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	54,361	32,624
Fair Value Measured on a Recurring Basis [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	71,052	48,626
Fair Value Measured on a Recurring Basis [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	35,035	60,253
Fair Value Measured on a Recurring Basis [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	60,475	23,262
Fair Value Measured on a Recurring Basis [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	61,723	54,880
Fair Value Measured on a Recurring Basis [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	193,782	88,452
Fair Value Measured on a Recurring Basis [Member] | Total equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	7,105	6,708
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	7,105	6,708
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Total equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	7,105	6,708
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	476,428	308,097
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	54,361	32,624
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	71,052	48,626
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	35,035	60,253
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	60,475	23,262
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	61,723	54,880
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	193,782	88,452
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Total equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Total equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)

FAIR VALUE MEASUREMENTS (Sche_2

FAIR VALUE MEASUREMENTS (Schedule of Assets Measured on Nonrecurring Basis) (Details) - Fair Value Measured on a Nonrecurring Basis [Member] - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Non-Recurring Fair Value Measurements
Impaired Loans	$ 4,632	$ 3,795
Total Fair Value, non-recurring	4,632	3,795
Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans
Total Fair Value, non-recurring
Significant Other Observable Inputs (Level II) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans
Total Fair Value, non-recurring
Significant Unobservable Inputs (Level III) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans	4,632	3,795
Total Fair Value, non-recurring	$ 4,632	$ 3,795

FAIR VALUE MEASUREMENTS (Sche_3

FAIR VALUE MEASUREMENTS (Schedule of Level III Inputs to Determine Fair Value) (Details) - Impaired Loans [Member] - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Fair Value, non-recurring		$ 4,632	$ 3,794
Valuation Techniques	[1]	Appraisal of collateral	Appraisal of collateral
Lower Range [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unobservable inputs - Appraisal adjustments	[2]	(20.00%)	(20.00%)
Unobservable inputs - Liquidation expenses	[2]	(10.00%)	(10.00%)
Upper Range [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unobservable inputs - Appraisal adjustments	[2]	0.00%	0.00%
Unobservable inputs - Liquidation expenses	[2]	0.00%	0.00%
Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unobservable inputs - Appraisal adjustments	[2]	(20.00%)	(20.00%)
Unobservable inputs - Liquidation expenses	[2]	(10.00%)	(10.00%)
[1]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various level III inputs which are not identifiable.
[2]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

DISCLOSURES ABOUT FAIR VALUE _3

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financial Assets:
Cash and cash equivalents	$ 94,939	$ 41,053	$ 41,365
Regulatory stock	6,107	7,291
Loans, net of allowance	811,043	744,171
Bank owned life insurance	29,646	28,818
Financial Liabilities:
Demand deposits	534,853	363,857
Interest-bearing demand deposits	47,092	25,171
NOW accounts	137,279	96,941
Money market deposit accounts	140,113	141,649
Savings accounts	274,386	211,285
Total deposits	1,252,811	974,088
Short-term borrowings		200
Long-term debt	54,790	77,872
Subordinated debt	19,601
Carrying Amount [Member]
Financial Assets:
Cash and cash equivalents	94,939	41,053
Regulatory stock	6,107	7,291
Loans held for sale	3,029	2,342
Loans, net of allowance	811,043	744,171
Mortgage servicing assets	1,076	892
Accrued interest receivable	4,546	3,768
Bank owned life insurance	29,646	28,818
Financial Liabilities:
Demand deposits	534,853	363,857
Interest-bearing demand deposits	47,092	25,171
NOW accounts	137,279	96,941
Money market deposit accounts	140,113	141,649
Savings accounts	274,386	211,285
Time deposits	119,088	135,185
Total deposits	1,252,811	974,088
Short-term borrowings		200
Long-term debt	54,790	77,872
Subordinated debt	19,601
Accrued interest payable	320	521
Fair Value [Member]
Financial Assets:
Cash and cash equivalents	94,939	41,053
Regulatory stock	6,107	7,291
Loans held for sale	3,029	2,342
Loans, net of allowance	829,902	759,011
Mortgage servicing assets	1,083	1,049
Accrued interest receivable	4,546	3,768
Bank owned life insurance	29,646	28,818
Financial Liabilities:
Demand deposits	534,853	363,857
Interest-bearing demand deposits	47,092	25,171
NOW accounts	137,279	96,941
Money market deposit accounts	140,113	141,649
Savings accounts	274,386	211,285
Time deposits	121,470	136,781
Total deposits	1,255,193	975,684
Short-term borrowings		200
Long-term debt	51,800	76,825
Subordinated debt	19,601
Accrued interest payable	320	521
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Financial Assets:
Cash and cash equivalents	94,939	41,053
Regulatory stock	6,107	7,291
Loans held for sale	3,029	2,342
Loans, net of allowance
Mortgage servicing assets
Accrued interest receivable	4,546	3,768
Bank owned life insurance	29,646	28,818
Financial Liabilities:
Demand deposits	534,853	363,857
Interest-bearing demand deposits	47,092	25,171
NOW accounts	137,279	96,941
Money market deposit accounts	140,113	141,649
Savings accounts	274,386	211,285
Time deposits
Total deposits	1,133,723	838,903
Short-term borrowings		200
Long-term debt
Subordinated debt
Accrued interest payable	320	521
Fair Value [Member] | Significant Other Observable Inputs (Level II) [Member]
Financial Assets:
Cash and cash equivalents
Regulatory stock
Loans held for sale
Loans, net of allowance
Mortgage servicing assets
Accrued interest receivable
Bank owned life insurance
Financial Liabilities:
Demand deposits
Interest-bearing demand deposits
NOW accounts
Money market deposit accounts
Savings accounts
Time deposits
Total deposits
Short-term borrowings
Long-term debt
Subordinated debt
Accrued interest payable
Fair Value [Member] | Significant Unobservable Inputs (Level III) [Member]
Financial Assets:
Cash and cash equivalents
Regulatory stock
Loans held for sale
Loans, net of allowance	829,902	759,011
Mortgage servicing assets	1,083	1,049
Accrued interest receivable
Bank owned life insurance
Financial Liabilities:
Demand deposits
Interest-bearing demand deposits
NOW accounts
Money market deposit accounts
Savings accounts
Time deposits	121,470	136,781
Total deposits	121,470	136,781
Short-term borrowings
Long-term debt	51,800	76,825
Subordinated debt	19,601
Accrued interest payable

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Schedule of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning		$ 116,688	$ 102,802
Other comprehensive income, net of tax		6,358	7,278
Balance, ending		130,216	116,688
Unrealized Gain (Losses) on Securities AFS [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning	[1],[2]	1,600	(5,678)
Other comprehensive income before reclassifications	[1],[2]	6,997	7,603
Amount reclassified from accumulated other comprehensive loss	[1],[2]	(639)	(325)
Other comprehensive income, net of tax	[1],[2]	6,358	7,278
Balance, ending	[1],[2]	$ 7,958	$ 1,600
[1]	All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 21%.
[2]	Amounts in parentheses indicate debits.

ACCUMULATED OTHER COMPREHENSI_4

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Schedule of Amounts Reclassified from AOCI) (Details) - USD ($) $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gains on sale of debt securities, net										$ (76)	$ 88
Provision for federal income taxes		$ (675)	$ (533)	$ (719)	$ (358)	$ (530)	$ (550)	$ (584)	$ (462)	(2,285)	(2,126)
Reclassifications for the period		$ 3,600	$ 2,935	$ 3,599	$ 2,165	$ 2,779	$ 2,924	$ 3,089	$ 2,603	12,299	11,395
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassifications for the period	[1]									639	325
Reclassification out of Accumulated Other Comprehensive Income [Member] | Unrealized Gain (Losses) on Securities AFS [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gains on sale of debt securities, net	[1]									809	411
Provision for federal income taxes	[1]									(170)	(86)
Reclassifications for the period	[1]									$ 639	$ 325
[1]	Amounts in parentheses indicate debits.

CONDENSED PARENT ONLY DATA (Con

CONDENSED PARENT ONLY DATA (Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash	$ 94,939	$ 41,053	$ 41,365
Equity securities	476,428	308,097
Other assets	9,256	8,237
Total assets	1,462,313	1,171,750
Liabilities
Subordinated debt	19,601
Other Liabilities	4,895	2,902
Total Liabilities	1,332,097	1,055,062
Stockholders' Equity:
Common stock	574	574
Capital surplus	4,444	4,482
Retained earnings	120,670	111,944
Accumulated other comprehensive income, net of tax	7,958	1,600
Treasury stock	(3,430)	(1,912)
Total stockholders' equity	130,216	116,688	102,802
Total liabilities and stockholders' equity	1,462,313	1,171,750
Parent Company [Member]
Assets
Cash	7,705	870	$ 861
Equity securities	929	637
Equity in bank subsidiary	141,463	115,064
Other assets	165	117
Total assets	150,262	116,688
Liabilities
Subordinated debt	19,601
Other Liabilities	445
Total Liabilities	20,046
Stockholders' Equity:
Common stock	574	574
Capital surplus	4,444	4,482
Retained earnings	120,670	111,944
Accumulated other comprehensive income, net of tax	7,958	1,600
Treasury stock	(3,430)	(1,912)
Total stockholders' equity	130,216	116,688
Total liabilities and stockholders' equity	$ 150,262	$ 116,688

CONDENSED PARENT ONLY DATA (C_2

CONDENSED PARENT ONLY DATA (Condensed Statements of Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Income
Gains (losses) on equity securities, net									$ (76)	$ 88
Dividend income									541	717
Expense
Other expenses									2,990	2,522
Total expenses	$ 9,522	$ 9,198	$ 8,244	$ 9,110	$ 9,006	$ 8,128	$ 8,217	$ 8,282	36,074	33,633
Net income	$ 3,600	$ 2,935	$ 3,599	$ 2,165	$ 2,779	$ 2,924	$ 3,089	$ 2,603	12,299	11,395
Comprehensive Income									18,657	18,673
Parent Company [Member]
Income
Dividend income - investment securities									27	20
Gains (losses) on equity securities, net									(76)	88
Dividend income									5,073	5,019
Undistributed earnings of bank subsidiary									7,541	6,475
Total Income									12,565	11,602
Expense
Subordinated debt interest expense									4
Shareholder expenses									153	154
Other expenses									109	53
Total expenses									266	207
Net income									12,299	11,395
Comprehensive Income									$ 18,657	$ 18,673

CONDENSED PARENT ONLY DATA (C_3

CONDENSED PARENT ONLY DATA (Condensed Statements of Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Cash Flows from Operating Activities:
Net Income	$ 3,600	$ 2,935	$ 3,599	$ 2,165	$ 2,779	$ 2,924	$ 3,089	$ 2,603	$ 12,299	$ 11,395
(Gains)losses on securities transactions, net									76	(88)
Net cash (used for) provided by operating activities									16,443	15,459
Cash Flows from Investing Activities:
Proceeds from sales of equity securities									54,291	39,859
Purchases of equity securities									(283,041)	(78,847)
Net cash used for investing activities									(232,470)	(70,154)
Cash Flows from Financing Activities:
Proceeds from sale of treasury stock									660	628
Proceeds from issuance of subordinated debt									19,601
Treasury stock purchased									(2,216)	(1,897)
Dividends paid									(3,573)	(3,518)
Net cash provided by (used for) financing activities									269,913	54,383
Cash and Cash Equivalents:
Cash and cash equivalents at beginning of period				41,053				41,365	41,053	41,365
Cash and cash equivalents at end of period	94,939				41,053				94,939	41,053
Parent Company [Member]
Cash Flows from Operating Activities:
Net Income									12,299	11,395
Equity in undistributed earnings of subsidiaries									(7,541)	(6,475)
(Gains)losses on securities transactions, net									76	(88)
Net increase in other assets									(48)	(11)
Net increase in other liabilities									444
Net cash (used for) provided by operating activities									5,230	4,821
Cash Flows from Investing Activities:
Proceeds from sales of equity securities										168
Purchases of equity securities									(367)	(193)
Net cash used for investing activities									(367)	(25)
Cash Flows from Financing Activities:
Proceeds from sale of treasury stock									660	628
Proceeds from issuance of subordinated debt									19,601
Dividend to bank subsidiary									(12,500)
Treasury stock purchased									(2,216)	(1,897)
Dividends paid									(3,573)	(3,518)
Net cash provided by (used for) financing activities									1,972	(4,787)
Cash and Cash Equivalents:
Net change in cash and cash equivalents									6,835	9
Cash and cash equivalents at beginning of period				$ 870				$ 861	870	861
Cash and cash equivalents at end of period	$ 7,705				$ 870				$ 7,705	$ 870

SUMMARY OF QUARTERLY FINANCIA_3

SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019
Quarterly Financial Data [Abstract]
Interest income	$ 10,752	$ 10,387	$ 10,468	$ 10,487	$ 10,523	$ 10,590	$ 10,462	$ 10,162	$ 42,094	$ 41,737
Interest expense	731	845	999	1,271	1,335	1,301	1,304	1,179	3,846	5,119
Net interest income	10,021	9,542	9,469	9,216	9,188	9,289	9,158	8,983	38,248	36,618
Less provision (credit) for loan losses	375	1,250	975	350	(70)	630	30	180
Net interest income after provision (credit) for loan losses	9,646	8,292	8,494	8,866	9,258	8,659	9,128	8,803	35,298	35,848
Other income	4,151	4,374	4,068	2,767	3,057	2,943	2,762	2,544	15,360	11,306
Operating expenses:
Salaries and employee benefits	5,540	5,860	4,966	5,696	5,512	5,227	5,105	5,188	22,062	21,032
Occupancy and equipment expenses	894	896	932	881	908	902	877	917
Other operating expenses	3,088	2,442	2,346	2,533	2,586	1,999	2,235	2,177
Total operating expenses	9,522	9,198	8,244	9,110	9,006	8,128	8,217	8,282	36,074	33,633
Income before income taxes	4,275	3,468	4,318	2,523	3,309	3,474	3,673	3,065	14,584	13,521
Provision for Federal income taxes	675	533	719	358	530	550	584	462	2,285	2,126
Net income	$ 3,600	$ 2,935	$ 3,599	$ 2,165	$ 2,779	$ 2,924	$ 3,089	$ 2,603	$ 12,299	$ 11,395
Earnings per share of common stock	$ 0.65	$ 0.53	$ 0.64	$ 0.38	$ 0.49	$ 0.51	$ 0.54	$ 0.46	$ 2.2	$ 2.01
Cash dividends paid per share	$ 0.16	$ 0.16	$ 0.16	$ 0.16	$ 0.160	$ 0.155	$ 0.155	$ 0.150	$ 0.64	$ 0.62

RISKS AND UNCERTAINTIES (Narrat

RISKS AND UNCERTAINTIES (Narrative) (Details) $ in Thousands	1 Months Ended	3 Months Ended	12 Months Ended
	Apr. 30, 2020USD ($)	Mar. 27, 2020USD ($)	Dec. 31, 2020USD ($)Loans	Sep. 30, 2020USD ($)	Jun. 30, 2020USD ($)
Concentration Risk [Line Items]
Amount of relief fund		$ 2,000,000,000
Eligibility and guidline for PPP loan			an eligible business could apply for a PPP loan up to the greater of: (1) 2.5 times its average monthly payroll costs; or (2) $10 million. The PPP loans have the following terms: (a) an interest rate of 1.0%, (b) a two-year or five-year loan term to maturity; and (c) principal and interest payments deferred for six months from the date of disbursement. The SBA will guarantee 100% of the PPP loans made to eligible borrowers. The entire principal amount of the PPP loan, including any accrued interest, is eligible to be reduced by the amount of loan forgiveness available under the PPP, provided the employee and compensation levels of the business are maintained and 60% of the loan proceeds are used for payroll expenses, with the remaining 40% of the loan proceeds used for other qualifying expenses such as utilities.
Amount of funds available for PPP loans	$ 349,000,000
Amount of Loan			$ 20,000
Loans approved current balance			54,600	$ 57,100
Processing fee assumed			$ 3,250
Number of loan modified | Loans			330
Amount of deferrals			$ 65,000
Percetage of deferrals			6.60%
Increase in impaired loans			$ 3,000
One consumer [Member]
Concentration Risk [Line Items]
Amount of Loan			7
Amount of deferrals			4,600
Commercial or Agricultural Loan [Member]
Concentration Risk [Line Items]
Amount of deferrals			$ 43,800
Percetage of deferrals			80.40%
Residential Mortgage [Member]
Concentration Risk [Line Items]
Amount of deferrals			$ 10,500
Consumer Loan [Member]
Concentration Risk [Line Items]
Amount of deferrals			184
Imparied Loan [Member]
Concentration Risk [Line Items]
Amount of Loan			5,800		$ 2,800
Loan increase			3,600
PPP loans [Member]
Concentration Risk [Line Items]
Loans approved current balance			$ 48,000	$ 77,700
Maturity period of loan			2 years
PPP loans [Member] | Lower Range [Member]
Concentration Risk [Line Items]
Amount of deferrals			$ 2,360
PPP loans [Member] | Upper Range [Member]
Concentration Risk [Line Items]
Amount of deferrals			$ 3,250

RISKS AND UNCERTAINTIES (Shedul

RISKS AND UNCERTAINTIES (Shedule of Commercial Loans by Type) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)Loans
At Risk:
Number of Loans | Loans	809
Total Loan Exposure	$ 205,216
Principal Balance of Loans	$ 165,413
Percentage of Total Loan Balance	20.10%
Lessors of Nonresidential Buildings [Member]
At Risk:
Number of Loans | Loans	160
Total Loan Exposure	$ 82,936
Principal Balance of Loans	$ 73,391
Percentage of Total Loan Balance	8.91%
Lessors of Residential Buildings [Member]
At Risk:
Number of Loans | Loans	209
Total Loan Exposure	$ 41,270
Principal Balance of Loans	$ 36,695
Percentage of Total Loan Balance	4.46%
Specialized Freight [Member]
At Risk:
Number of Loans | Loans	27
Total Loan Exposure	$ 14,935
Principal Balance of Loans	$ 10,607
Percentage of Total Loan Balance	1.29%
Residential Remodelers [Member]
At Risk:
Number of Loans | Loans	94
Total Loan Exposure	$ 10,595
Principal Balance of Loans	$ 3,751
Percentage of Total Loan Balance	0.46%
New Single Family Housing Construction [Member]
At Risk:
Number of Loans | Loans	52
Total Loan Exposure	$ 8,518
Principal Balance of Loans	$ 4,513
Percentage of Total Loan Balance	0.55%
Passenger Car Leasing [Member]
At Risk:
Number of Loans | Loans	141
Total Loan Exposure	$ 9,163
Principal Balance of Loans	$ 9,009
Percentage of Total Loan Balance	1.09%
Hotels [Member]
At Risk:
Number of Loans | Loans	14
Total Loan Exposure	$ 8,253
Principal Balance of Loans	$ 5,987
Percentage of Total Loan Balance	0.73%
Religious Organizations [Member]
At Risk:
Number of Loans | Loans	33
Total Loan Exposure	$ 8,083
Principal Balance of Loans	$ 6,980
Percentage of Total Loan Balance	0.85%
Car Washes [Member]
At Risk:
Number of Loans | Loans	10
Total Loan Exposure	$ 6,633
Principal Balance of Loans	$ 6,473
Percentage of Total Loan Balance	0.79%
Site Preparation Contrators [Member]
At Risk:
Number of Loans | Loans	48
Total Loan Exposure	$ 5,016
Principal Balance of Loans	$ 2,584
Percentage of Total Loan Balance	0.31%
Other [Member]
At Risk:
Number of Loans | Loans	21
Total Loan Exposure	$ 9,814
Principal Balance of Loans	$ 5,423
Percentage of Total Loan Balance	0.66%