ENB Financial (ENBP) 10-Q 12 Nov 21 2021 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2021	Nov. 01, 2021
Cover [Abstract]
Document Type	10-Q
Entity Central Index Key	0001437479
Document Period End Date	Sep. 30, 2021
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q3
Amendment Flag	false
Document Quarterly Report	true
Document Transition Report	false
Entity Registrant Name	ENB Financial Corp
Entity Incorporation, State or Country Code	PA
Entity File Number	000-53297
Entity Tax Identification Number	51-0661129
Entity Address, Address Line One	31 E. Main St.
Entity Address, City or Town	Ephrata
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	17522-0457
City Area Code	717
Local Phone Number	733-4181
Entity Information, Former Legal or Registered Name	N/A
Title of 12(b) Security	None
Trading Symbol	N/A
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		5,575,451

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
ASSETS
Cash and due from banks	$ 16,100	$ 21,665	$ 19,979
Interest-bearing deposits in other banks	62,720	73,274	24,347
Total cash and cash equivalents	78,820	94,939	44,326
Securities available for sale (at fair value)	561,587	476,428	360,029
Equity securities (at fair value)	8,844	7,105	6,854
Loans held for sale	3,174	3,029	5,008
Loans (net of unearned income)	880,261	823,370	843,177
Less: Allowance for loan losses	12,454	12,327	11,996
Net loans	867,807	811,043	831,181
Premises and equipment	24,507	24,760	24,696
Regulatory stock	5,635	6,107	6,525
Bank owned life insurance	35,200	29,646	29,418
Other assets	12,478	9,256	8,964
Total assets	1,598,052	1,462,313	1,317,001
Deposits:
Noninterest-bearing	591,333	534,853	465,247
Interest-bearing	800,169	717,958	661,574
Total deposits	1,391,502	1,252,811	1,126,821
Short-term borrowings			1,500
Long-term debt	46,706	54,790	60,010
Subordinated debt	19,660	19,601
Other liabilities	3,967	4,895	3,362
Total liabilities	1,461,835	1,332,097	1,191,693
Stockholders' equity:
Common stock, par value $0.10 Shares: Authorized 24,000,000 Issued 5,739,114 and Outstanding 5,575,451 as of 9/30/21, 5,566,230 as of 12/31/20, and 5,566,413 as of 9/30/20	574	574	574
Capital surplus	4,498	4,444	4,456
Retained earnings	130,082	120,670	117,960
Accumulated other comprehensive income	4,326	7,958	5,756
Less: Treasury stock cost on 163,663 shares as of 9/30/21, 172,884 as of 12/31/20, and 172,701 as of 9/30/20	(3,263)	(3,430)	(3,438)
Total stockholders' equity	136,217	130,216	125,308
Total liabilities and stockholders' equity	$ 1,598,052	$ 1,462,313	$ 1,317,001

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - $ / shares	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
Statement of Financial Position [Abstract]
Common stock, par value	$ 0.10	$ 0.10	$ 0.10
Common stock, authorized	24,000,000	24,000,000	24,000,000
Common stock, issued	5,739,114	5,739,114	5,739,114
Common stock, outstanding	5,575,451	5,566,230	5,566,413
Treasury shares	163,663	172,884	172,701

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Interest and dividend income:
Interest and fees on loans	$ 8,986	$ 8,617	$ 25,541	$ 25,705
Interest on securities available for sale
Taxable	1,301	920	3,611	3,207
Tax-exempt	1,015	690	2,977	1,899
Interest on deposits at other banks	17	31	59	112
Dividend income	98	129	295	419
Total interest and dividend income	11,417	10,387	32,483	31,342
Interest expense:
Interest on deposits	278	430	877	1,782
Interest on borrowings	511	415	1,569	1,333
Total interest expense	789	845	2,446	3,115
Net interest income	10,628	9,542	30,037	28,227
(Credit) provision for loan losses	(250)	1,250	125	2,575
Net interest income after (credit) provision for loan losses	10,878	8,292	29,912	25,652
Other income:
Trust and investment services income	540	442	1,746	1,480
Service fees	618	701	1,917	2,015
Commissions	945	781	2,761	2,116
Gains on the sale of debt securities, net	350	55	711	704
Gains (losses) on equity securities, net	32	(54)	256	(279)
Gains on sale of mortgages	1,206	2,081	4,381	4,312
Earnings on bank-owned life insurance	218	209	636	620
Other income	230	159	1,126	241
Total other income	4,139	4,374	13,534	11,209
Operating expenses:
Salaries and employee benefits	6,142	5,860	17,800	16,522
Occupancy	654	598	1,972	1,805
Equipment	255	298	806	904
Advertising & marketing	282	184	717	676
Computer software & data processing	1,097	835	3,297	2,309
Shares tax	322	239	876	718
Professional services	535	549	1,572	1,679
Other expense	831	635	1,961	1,939
Total operating expenses	10,118	9,198	29,001	26,552
Income before income taxes	4,899	3,468	14,445	10,309
Provision for federal income taxes	760	533	2,251	1,610
Net income	$ 4,139	$ 2,935	$ 12,194	$ 8,699
Earnings per share of common stock	$ 0.74	$ 0.53	$ 2.19	$ 1.56
Cash dividends paid per share	$ 0.17	$ 0.16	$ 0.50	$ 0.48
Weighted average shares outstanding	5,570,416	5,564,158	5,565,777	5,591,027

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 4,139	$ 2,935	$ 12,194	$ 8,699
Securities available for sale not other-than-temporarily impaired:
Unrealized gains (losses) arising during the period	(3,492)	1,616	(3,884)	5,962
Income tax effect	733	(339)	814	(1,250)
Total	(2,759)	1,277	(3,070)	4,712
Gains recognized in earnings	(350)	(55)	(711)	(704)
Income tax effect	73	12	149	148
Total	(277)	(43)	(562)	(556)
Other comprehensive income (loss), net of tax	(3,036)	1,234	(3,632)	4,156
Comprehensive Income	$ 1,103	$ 4,169	$ 8,562	$ 12,855

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) - 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, 2019	$ 574	$ 4,482	$ 111,944	$ 1,600	$ (1,912)	$ 116,688
Net income			2,165			2,165
Other comprehensive loss net of tax				(497)		(497)
Treasury stock purchased					(1,098)	(1,098)
Treasury stock issued		(6)			156	150
Cash dividends paid			(902)			(902)
Balance, ending at Mar. 31, 2020	574	4,476	113,207	1,103	(2,854)	116,506
Balance, beginning at Dec. 31, 2019	574	4,482	111,944	1,600	(1,912)	116,688
Net income						8,699
Balance, ending at Sep. 30, 2020	574	4,456	117,960	5,756	(3,438)	125,308
Balance, beginning at Mar. 31, 2020	574	4,476	113,207	1,103	(2,854)	116,506
Net income			3,599			3,599
Other comprehensive loss net of tax				3,419		3,419
Treasury stock purchased					(627)	(627)
Treasury stock issued		(10)			167	157
Cash dividends paid			(892)			(892)
Balance, ending at Jun. 30, 2020	574	4,466	115,914	4,522	(3,314)	122,162
Net income			2,935			2,935
Other comprehensive loss net of tax				1,234		1,234
Treasury stock purchased					(304)	(304)
Treasury stock issued		(10)			180	170
Cash dividends paid			(889)			(889)
Balance, ending at Sep. 30, 2020	574	4,456	117,960	5,756	(3,438)	125,308
Balance, beginning at Dec. 31, 2020	574	4,444	120,670	7,958	(3,430)	130,216
Net income			4,504			4,504
Other comprehensive loss net of tax				(5,034)		(5,034)
Treasury stock purchased					(149)	(149)
Treasury stock issued		16			157	173
Cash dividends paid			(889)			(889)
Balance, ending at Mar. 31, 2021	574	4,460	124,285	2,924	(3,422)	128,821
Balance, beginning at Dec. 31, 2020	574	4,444	120,670	7,958	(3,430)	130,216
Net income						12,194
Balance, ending at Sep. 30, 2021	574	4,498	130,082	4,326	(3,263)	136,217
Balance, beginning at Mar. 31, 2021	574	4,460	124,285	2,924	(3,422)	128,821
Net income			3,551			3,551
Other comprehensive loss net of tax				4,438		4,438
Treasury stock purchased					(155)	(155)
Treasury stock issued		20			211	231
Cash dividends paid			(945)			(945)
Balance, ending at Jun. 30, 2021	574	4,480	126,891	7,362	(3,366)	135,941
Net income			4,139			4,139
Other comprehensive loss net of tax				(3,036)		(3,036)
Treasury stock purchased					(68)	(68)
Treasury stock issued		18			171	189
Cash dividends paid			(948)			(948)
Balance, ending at Sep. 30, 2021	$ 574	$ 4,498	$ 130,082	$ 4,326	$ (3,263)	$ 136,217

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended
	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020
Statement of Stockholders' Equity [Abstract]
Treasury stock purchased, shares	3,100	7,200	7,600	16,526	32,966	49,911
Treasury stock issued, shares	8,574	10,611	7,936	9,050	8,354	7,670
Cash dividends paid, per share	$ 0.17	$ 0.17	$ 0.16	$ 0.16	$ 0.16	$ 0.16

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Cash flows from operating activities:
Net income	$ 12,194	$ 8,699
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization of securities premiums and discounts and loan fees	2,851	2,173
Amortization of operating leases right-of-use assets	60	134
Increase in interest receivable	(958)	(586)
Decrease in interest payable	146	(162)
Provision for loan losses	125	2,575
Gains on the sale of debt securities, net	(711)	(704)
(Gain) loss on equity securities, net	(256)	279
Gains on sale of mortgages	(4,381)	(4,312)
Loans originated for sale	(71,607)	(101,044)
Proceeds from sales of loans	75,843	102,690
Earnings on bank-owned life insurance	(636)	(620)
Depreciation of premises and equipment and amortization of software	1,164	1,137
Deferred income tax	164	(586)
Amortization of deferred fees on subordinated debt	59
Other assets and other liabilities, net	(2,291)	(111)
Net cash provided by operating activities	11,766	9,562
Securities available for sale:
Proceeds from maturities, calls, and repayments	58,837	51,451
Proceeds from sales	77,259	50,819
Purchases	(228,981)	(150,728)
Equity securities
Proceeds from sales	460
Purchases	(1,945)	(425)
Purchase of regulatory bank stock	(524)	(1,225)
Redemptions of regulatory bank stock	996	1,991
Purchase of bank-owned life insurance	(4,918)
Net increase in loans	(55,899)	(89,270)
Purchases of premises and equipment, net	(745)	(705)
Purchase of computer software	(471)	(133)
Net cash used for investing activities	(155,931)	(138,225)
Cash flows from financing activities:
Net increase in demand, NOW, and savings accounts	141,428	165,296
Net decrease in time deposits	(2,737)	(12,563)
Net increase in short-term borrowings		1,300
Proceeds from long-term debt		12,984
Repayments of long-term debt	(8,084)	(30,846)
Dividends paid	(2,782)	(2,683)
Proceeds from sale of treasury stock	593	477
Treasury stock purchased	(372)	(2,029)
Net cash provided by financing activities	128,046	131,936
(Decrease) Increase in cash and cash equivalents	(16,119)	3,273
Cash and cash equivalents at beginning of period	94,939	41,053
Cash and cash equivalents at end of period	78,820	44,326
Supplemental disclosures of cash flow information:
Interest paid	2,300	3,277
Income taxes paid	2,200	2,225
Supplemental disclosure of non-cash investing and financing activities:
Fair value adjustments for securities available for sale	4,595	(5,258)
Recognition of lease operating right-of-use assets	80
Recognition of operating lease liabilities	$ 80

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2021
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	1. Summary of Significant Accounting Policies Basis of Presentation The accompanying unaudited consolidated interim financial statements have been prepared in accordance with U.S. generally accepted accounting principles for interim financial information and to general practices within the banking industry. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all significant adjustments considered necessary for fair presentation have been included. Certain items previously reported have been reclassified to conform to the current period’s reporting format. Such reclassifications did not affect net income or stockholders’ equity. ENB Financial Corp (“the Corporation”) is the bank holding company for its wholly-owned subsidiary Ephrata National Bank (the “Bank”). This Form 10-Q, for the third quarter of 2021, is reporting on the results of operations and financial condition of ENB Financial Corp on a consolidated basis. Operating results for the nine months ended September 30, 2021, are not necessarily indicative of the results that may be expected for the year ending December 31, 2021. For further information, refer to the consolidated financial statements and footnotes thereto included in ENB Financial Corp’s Annual Report on Form 10-K for the year ended December 31, 2020. 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.

Securities Available for Sale

Securities Available for Sale	9 Months Ended
	Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Securities Available for Sale	2. Securities Available for Sale The amortized cost, gross unrealized gains and losses, and fair value of securities held at September 30, 2021, and December 31, 2020, are as follows: Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ September 30, 2021 U.S. treasuries 4,981 17 - 4,998 U.S. government agencies 29,616 85 ( 420 ) 29,281 U.S. agency mortgage-backed securities 56,941 857 ( 336 ) 57,462 U.S. agency collateralized mortgage obligations 33,173 436 ( 16 ) 33,593 Asset-backed securities 100,722 868 ( 147 ) 101,443 Corporate bonds 84,264 854 ( 144 ) 84,974 Obligations of states and political subdivisions 246,413 5,127 ( 1,704 ) 249,836 Total securities available for sale 556,110 8,244 ( 2,767 ) 561,587 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 The amortized cost and fair value of securities available for sale at September 30, 2021, 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 35,395 35,774 Due after one year through five years 102,504 104,210 Due after five years through ten years 139,182 139,739 Due after ten years 279,029 281,864 Total debt securities 556,110 561,587 Securities available for sale with a par value of $91,079,000 and $86,849,000 at September 30, 2021, and December 31, 2020, respectively, were pledged or restricted for public funds, borrowings, or other purposes as required by law. The fair value of these pledged securities was $94,538,000 at September 30, 2021, and $91,666,000 at December 31, 2020. 9 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements Proceeds from active sales of 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) Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 $ $ $ $ Proceeds from sales 17,957 7,001 77,259 50,819 Gross realized gains 369 64 791 730 Gross realized losses ( 19 ) (9 ) ( 80 ) (26) Management evaluates all of the Corporation’s securities for other-than-temporary impairment (OTTI) on a periodic basis. No securities in the portfolio had other-than-temporary impairment recorded in the first nine months of 2021 or 2020. Information pertaining to securities with gross unrealized losses at September 30, 2021, and December 31, 2020, 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 September 30, 2021 U.S. government agencies 23,985 ( 420 ) - - 23,985 ( 420 ) U.S. agency mortgage-backed securities 24,270 ( 310 ) 2,988 ( 26 ) 27,258 ( 336 ) U.S. agency collateralized mortgage obligations 3,243 ( 1 ) 3,569 ( 15 ) 6,812 ( 16 ) Asset-backed securities 27,718 ( 123 ) 4,919 ( 24 ) 32,637 ( 147 ) Corporate bonds 18,381 ( 144 ) - - 18,381 ( 144 ) Obligations of states & political subdivisions 97,126 ( 1,704 ) - - 97,126 ( 1,704 ) Total temporarily impaired securities 194,723 ( 2,702 ) 11,476 ( 65 ) 206,199 ( 2,767 ) 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 ) In the debt security portfolio there were 101 positions from 78 different issuers that were carrying unrealized losses as of September 30, 2021. There were no instruments considered to be other-than-temporarily impaired at September 30, 2021. 10 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The Corporation evaluates fixed maturity positions for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic and market concerns warrant such evaluation. 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.

Equity Securities

Equity Securities	9 Months Ended
	Sep. 30, 2021
Marketable Securities [Abstract]
Equity Securities	3. Equity Securities The following table summarizes the amortized cost, gross unrealized gains and losses, and fair value of equity securities held at September 30, 2021 and December 31, 2020. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ September 30, 2021 CRA-qualified mutual funds 7,222 - - 7,222 Bank stocks 1,518 119 ( 15 ) 1,622 Total equity securities 8,740 119 ( 15 ) 8,844 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 The following table presents the net gains and losses on the Corporation’s equity investments recognized in earnings during the three and nine months ended September 30, 2021 and 2020, and the portion of unrealized gains and losses for the period that relates to equity investments held as of September 30, 2021 and 2020. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 $ $ $ $ Net gains (losses) recognized in equity securities during the period 32 (54 ) 256 (279 ) Less: Net gains realized on the sale of equity securities during the period 3 - 99 - Unrealized gains (losses) recognized in equity securities held at reporting date 29 (54 ) 157 (279 )

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	9 Months Ended
	Sep. 30, 2021
Receivables [Abstract]
Loans and Allowance for Credit Losses	4. Loans and Allowance for Credit Losses The following table presents the Corporation’s loan portfolio by category of loans as of September 30, 2021, and December 31, 2020: LOAN PORTFOLIO (DOLLARS IN THOUSANDS) September 30, December 31, 2021 2020 $ $ Commercial real estate Commercial mortgages 166,741 142,698 Agriculture mortgages 188,455 176,005 Construction 18,786 23,441 Total commercial real estate 373,982 342,144 Consumer real estate (a) 1-4 family residential mortgages 302,670 263,569 Home equity loans 11,889 10,708 Home equity lines of credit 74,919 71,290 Total consumer real estate 389,478 345,567 Commercial and industrial Commercial and industrial 73,695 97,896 Tax-free loans 17,279 10,949 Agriculture loans 19,180 20,365 Total commercial and industrial 110,154 129,210 Consumer 5,211 5,155 Gross loans prior to deferred fees 878,825 822,076 Deferred loan costs, net 1,436 1,294 Allowance for credit losses ( 12,454 ) (12,327 ) Total net loans 867,807 811,043 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $274,892,000 and $235,437,000 as of September 30, 2021, and December 31, 2020, 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 September 30, 2021 and December 31, 2020. The grading analysis estimates the capability of the borrower to repay the contractual obligations under the loan agreements as scheduled. The Corporation's internal commercial credit risk grading system is based on experiences with similarly graded loans. 12 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements 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 September 30, 2021 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 162,806 179,880 12,648 64,457 17,279 18,657 455,727 Special Mention 2,458 - 6,138 5,082 - - 13,678 Substandard 1,477 8,575 - 4,156 - 523 14,731 Doubtful - - - - - - - Loss - - - - - - - Total 166,741 188,455 18,786 73,695 17,279 19,180 484,136 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 13 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements For consumer loans, the Corporation evaluates credit quality based on whether the loan is considered performing or non-performing. Non-performing loans consist of those loans greater than 90 days delinquent and nonaccrual loans. The following tables present the balances of consumer loans by classes of the loan portfolio based on payment performance as of September 30, 2021 and December 31, 2020: CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity Residential Home Equity Lines of September 30, 2021 Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 302,436 11,889 74,919 5,200 394,444 Non-performing 234 - - 11 245 Total 302,670 11,889 74,919 5,211 394,689 1-4 Family Home Equity Residential Home Equity Lines of December 31, 2020 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 The following tables present an age analysis of the Corporation’s past due loans, segregated by loan portfolio class, as of September 30, 2021 and December 31, 2020: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Greater Receivable > 90 Days 30-59 Days 60-89 Days than 90 Total Past Total Loans and September 30, 2021 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages - - 186 186 166,555 166,741 - Agriculture mortgages 756 - 1,516 2,272 186,183 188,455 - Construction - - - - 18,786 18,786 - Consumer real estate 1-4 family residential mortgages 529 - 234 763 301,907 302,670 172 Home equity loans 19 - - 19 11,870 11,889 - Home equity lines of credit 47 - - 47 74,872 74,919 - Commercial and industrial Commercial and industrial - - 377 377 73,318 73,695 - Tax-free loans - - - - 17,279 17,279 - Agriculture loans 24 - 95 119 19,061 19,180 - Consumer 5 - 11 16 5,195 5,211 11 Total 1,380 - 2,419 3,799 875,026 878,825 183 14 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Receivable Greater > 90 Days 30-59 Days 60-89 Days than 90 Total Past Total Loans 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 The following table presents nonaccrual loans by classes of the loan portfolio as of September 30, 2021 and December 31, 2020: NONACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) September 30, December 31, 2021 2020 $ $ Commercial real estate Commercial mortgages 186 208 Agriculture mortgages 1,516 - Construction - - Consumer real estate 1-4 family residential mortgages 62 48 Home equity loans - - Home equity lines of credit - - Commercial and industrial Commercial and industrial 377 469 Tax-free loans - - Agriculture loans 95 - Consumer - - Total 2,236 725 15 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements As of September 30, 2021 and December 31, 2020, all of the Corporation’s commercial loans on nonaccrual status were also considered impaired. Information with respect to impaired loans for the three and nine months ended September 30, 2021 and September 30, 2020, is as follows: IMPAIRED LOANS (DOLLARS IN THOUSANDS) Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 $ $ $ $ Average recorded balance of impaired loans 2,012 5,060 4,391 4,062 Interest income recognized on impaired loans 38 31 176 72 No loan modifications were made during the first nine months of 2021 that would be considered a troubled debt restructuring (TDR). There was one loan modification made during the third quarter of 2020 that was considered a 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. This loan paid off in the third quarter of 2021. 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. 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. Included in the impaired loan portfolio is one loan to a commercial borrower that is being reported as a TDR. The balance of this TDR loans was $776,000 as of September 30, 2021. This TDR is not non-accrual. 16 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following tables summarize information regarding impaired loans by loan portfolio class as of September 30, 2021 and December 31, 2020, and for the nine months ended September 30, 2021, and the twelve months ended December 31, 2020: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Unpaid Average Interest Recorded Principal Related Recorded Income September 30, 2021 Investment Balance Allowance Investment Recognized $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 247 285 - 2,802 116 Agriculture mortgages 1,720 1,721 - 1,158 45 Construction - - - - - Total commercial real estate 1,967 2,006 - 3,960 161 Commercial and industrial Commercial and industrial 377 428 - 429 15 Tax-free loans - - - - - Agriculture loans - - - - - Total commercial and industrial 377 428 - 429 15 Total with no related allowance 2,344 2,434 - 4,389 176 With an allowance recorded: Commercial real estate Commercial mortgages - - - - - Agriculture mortgages 572 572 57 2 - Construction - - - - - Total commercial real estate 572 572 57 2 - Commercial and industrial Commercial and industrial - - - - - Tax-free loans - - - - - Agriculture loans 95 95 95 - - Total commercial and industrial 95 95 95 - - Total with a related allowance 667 667 152 2 - Total by loan class: Commercial real estate Commercial mortgages 247 285 - 2,802 116 Agriculture mortgages 2,292 2,293 57 1,160 45 Construction - - - - - Total commercial real estate 2,539 2,578 57 3,962 161 Commercial and industrial Commercial and industrial 377 428 - 429 15 Tax-free loans - - - - - Agriculture loans 95 95 95 - - Total commercial and industrial 472 523 95 429 15 Total 3,011 3,101 152 4,391 176 17 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Unpaid Average Interest Recorded Principal Related Recorded Income December 31, 2020 Investment Balance Allowance Investment Recognized $ $ $ $ $ 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 18 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following table details activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2021: ALLOWANCE FOR CREDIT LOSSES (DOLLARS IN THOUSANDS) Commercial Consumer Commercial Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance - December 31, 2020 6,329 3,449 1,972 52 525 12,327 Charge-offs - - - ( 14 ) - ( 14 ) Recoveries - - 1 1 - 2 Provision 173 ( 41 ) ( 15 ) 20 238 375 Balance - March 31, 2021 6,502 3,408 1,958 59 763 12,690 Charge-offs - - - ( 9 ) - ( 9 ) Recoveries - - 16 6 - 22 Provision 48 83 19 10 ( 160 ) - Balance - June 30, 2021 6,550 3,491 1,993 66 603 12,703 Charge-offs - - - ( 7 ) - ( 7 ) Recoveries - - 2 6 - 8 Provision ( 909 ) 216 81 ( 3 ) 365 ( 250 ) Balance - September 30, 2021 5,641 3,707 2,076 62 968 12,454 During the nine months ended September 30, 2021, management charged off $30,000 in loans while recovering $32,000 and added $125,000 to the provision. The unallocated portion of the allowance increased from 4.3% of total reserves as of December 31, 2020, to 7.8% as of September 30, 2021. Management monitors the unallocated portion of the allowance with a desire to maintain it at approximately 5% over the long term, with a requirement of it not to exceed 10%. During the nine months ended September 30, 2021, net provision expense was recorded for all loan sectors except for the commercial real estate sector. The lower provision in the commercial real estate sector was due to the pay off of one loan during the third quarter of 2021 that had a specific allocation. Due to this pay off, the specific allocation was reversed resulting in a credit provision for the nine months ended September 30, 2021. There were minimal charge-offs and recoveries recorded during the nine months ended September 30, 2021, as well as minimal provision expense due to the improving economic conditions and the reversal of specific allocation from the previous time periods. Outside of the above measurements and indicators, management continues to utilize nine qualitative factors to continually refine the potential credit risks across the Corporation’s various loan types. In addition, the loan portfolio is sectored out into nine different categories to evaluate these qualitative factors. A total score of the qualitative factors for each loan sector is calculated to utilize in the allowance for loan loss calculation. The agricultural dairy sector carries the highest level of qualitative factors due to the long-term weakness in milk prices. While the dairy market has improved recently, COVID-19 initially caused a sharp decline in milk prices. 19 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following table details activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2020: ALLOWANCE FOR CREDIT LOSSES (DOLLARS IN THOUSANDS) Commercial Consumer Commercial Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance - December 31, 2019 4,319 2,855 1,784 41 448 9,447 Charge-offs - - - (6 ) - (6 ) Recoveries 11 - 1 - - 12 Provision 252 296 171 21 (390 ) 350 Balance - March 31, 2020 4,582 3,151 1,956 56 58 9,803 Charge-offs - - - (10 ) - (10 ) Recoveries - - 1 1 - 2 Provision 356 146 175 5 293 975 Balance - June 30, 2020 4,938 3,297 2,132 52 351 10,770 Charge-offs - - (23 ) (3 ) - (26 ) Recoveries - - 1 1 - 2 Provision 1,289 75 (18 ) 4 (100 ) 1,250 Balance - September 30, 2020 6,227 3,372 2,092 54 251 11,996 During the nine months ended September 30, 2020, management charged off $42,000 in loans while recovering $16,000 and added $2,575,000 to the provision. The unallocated portion of the allowance decreased from 4.7% of total reserves as of December 31, 2019, to 2.1% as of September 30, 2020. During the nine months ended September 30, 2020, net provision expense was recorded for all sectors. 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 nine months ended September 30, 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 total amount of substandard loans at the end of the third quarter of 2020 was slightly higher resulting in slightly more provision expense. 20 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following tables present the balance in the allowance for credit losses and the recorded investment in loans receivable by portfolio segment based on impairment method as of September 30, 2021 and December 31, 2020: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Consumer Commercial As of September 30, 2021: Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment 57 - 95 - - 152 Ending balance: collectively evaluated for impairment 5,584 3,707 1,981 62 968 12,302 Loans receivable: Ending balance 373,982 389,478 110,154 5,211 878,825 Ending balance: individually evaluated for impairment 2,539 - 472 - 3,011 Ending balance: collectively evaluated for impairment 371,443 389,478 109,682 5,211 875,814 forg Commercial Consumer Commercial As of December 31, 2020: Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: 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

Fair Value Presentation

Fair Value Presentation	9 Months Ended
	Sep. 30, 2021
Fair Value Disclosures [Abstract]
Fair Value Presentation	5. Fair Value Presentation 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 judgment or estimation. 21 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements 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 September 30, 2021, and December 31, 2020, 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 MEASURED ON A RECURRING BASIS (DOLLARS IN THOUSANDS) September 30, 2021 Level I Level II Level III Total $ $ $ $ U.S. treasuries - 4,998 - 4,998 U.S. government agencies - 29,281 - 29,281 U.S. agency mortgage-backed securities - 57,462 - 57,462 U.S. agency collateralized mortgage obligations - 33,593 - 33,593 Asset-backed securities - 101,443 - 101,443 Corporate bonds - 84,974 - 84,974 Obligations of states & political subdivisions - 249,836 - 249,836 Equity securities 8,844 - - 8,844 Total securities 8,844 561,587 - 570,431 On September 30, 2021, 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 September 30, 2021, the CRA fund investments had a $7,222,000 book and fair market value and the bank stock portfolio had a book value of $1,518,000, and fair market value of $1,622,000. 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. 22 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements ASSETS MEASURED 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 & political subdivisions - 193,782 - 193,782 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. The following tables provide 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 September 30, 2021 and December 31, 2020, by level within the fair value hierarchy: ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) September 30, 2021 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ - $ - $ 2,859 $ 2,859 Total $ - $ - $ 2,859 $ 2,859 December 31, 2020 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ - $ - $ 4,632 $ 4,632 Total $ - $ - $ 4,632 $ 4,632 The Corporation had a total of $3,011,000 of impaired loans as of September 30, 2021, with $152,000 of specific allocation against these loans and $5,763,000 of impaired loans as of December 31, 2020, with $1,131,000 of specific allocation against these loans. The value of impaired loans is generally determined through independent appraisals of the underlying collateral. 23 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements 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) September 30, 2021 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 2,859 Appraisal of collateral (1) Appraisal adjustments (2) - 20 % (- 20 %) Liquidation expenses (2) - 10 % (- 10 %) December 31, 2020 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 4,632 Appraisal of collateral (1) Appraisal adjustments (2) -20% (-20%) Liquidation expenses (2) -10% (-10%) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include 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.

FINANCIAL INSTRUMENTS NOT REQUI

FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE	9 Months Ended
	Sep. 30, 2021
Fair Value Disclosures [Abstract]
FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE	ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following table provides 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 Consolidated Balance Sheets as of September 30, 2021 and December 31, 2020: FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) September 30, 2021 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level I) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 78,820 78,820 78,820 - - Regulatory stock 5,635 5,635 5,635 - - Loans held for sale 3,174 3,155 3,155 - - Loans, net of allowance 867,807 879,942 - - 879,942 Mortgage servicing assets 1,591 2,003 - - 2,003 Accrued interest receivable 5,504 5,504 5,504 - - Bank owned life insurance 35,200 35,200 35,200 - - Financial Liabilities: Demand deposits 591,333 591,333 591,333 - - Interest-bearing demand deposits 58,425 58,425 58,425 - - NOW accounts 133,443 133,443 133,443 - - Money market deposit accounts 162,050 162,050 162,050 - - Savings accounts 329,900 329,900 329,900 - - Time deposits 116,351 117,050 - - 117,050 Total deposits 1,391,502 1,392,201 1,275,151 - 117,050 Long-term debt 46,706 44,912 - - 44,912 Subordinated debt 19,660 19,227 - - 19,227 Accrued interest payable 470 470 470 - - 25 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements 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 I) (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 325 325 325 - -

Commitments and Contingent Liab

Commitments and Contingent Liabilities	9 Months Ended
	Sep. 30, 2021
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	7. Commitments and Contingent Liabilities In order to meet the financing needs of its customers in the normal course of business, the Corporation makes various commitments that are not reflected in the accompanying consolidated financial statements. These commitments include firm commitments to extend credit, unused lines of credit, and open letters of credit. As of September 30, 2021, firm loan commitments were $103.9 million, unused lines of credit were $364.7 million, and open letters of credit were $13.1 million. The total of these commitments was $481.7 million, which represents the Corporation’s exposure to credit loss in the event of nonperformance by its customers with respect to these financial instruments. The actual credit losses that may arise from these commitments are expected to compare favorably with the Corporation’s loan loss experience on its loan portfolio taken as a whole. The Corporation uses the same credit policies in making commitments and conditional obligations as it does for balance sheet financial instruments.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	9 Months Ended
	Sep. 30, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss)	8. Accumulated Other Comprehensive Income (Loss) The activity in accumulated other comprehensive income (loss) for the three and nine months ended September 30, 2021 and 2020 is as follows: ACCUMULATED OTHER COMPREHENSIVE INCOME (1) (2) (DOLLARS IN THOUSANDS) Unrealized Gains (Losses) on Securities Available-for-Sale $ Balance at December 31, 2020 7,958 Other comprehensive loss before reclassifications ( 4,964 ) Amount reclassified from accumulated other comprehensive income (loss) ( 70 ) Period change ( 5,034 ) Balance at March 31, 2021 2,924 Other comprehensive income before reclassifications 4,654 Amount reclassified from accumulated other comprehensive income (loss) ( 216 ) Period change 4,438 Balance at June 30, 2021 7,362 Other comprehensive loss before reclassifications ( 2,759 ) Amount reclassified from accumulated other comprehensive income (loss) ( 277 ) Period change ( 3,036 ) Balance at September 30, 2021 4,326 Balance at December 31, 2019 1,600 Other comprehensive loss before reclassifications (274 ) Amount reclassified from accumulated other comprehensive income (loss) (223 ) Period change (497 ) Balance at March 31, 2020 1,103 Other comprehensive loss before reclassifications 3,709 Amount reclassified from accumulated other comprehensive income (loss) (290 ) Period change 3,419 Balance at June 30, 2020 4,522 Other comprehensive income before reclassifications 1,277 Amount reclassified from accumulated other comprehensive income (43 ) Period change 1,234 Balance at September 30, 2020 5,756 (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. 27 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Three Months Ended September 30, 2021 2020 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains, reclassified into earnings 350 55 Gains on the sale of debt securities, net Related income tax expense ( 73 ) (12 ) Provision for federal income taxes Net effect on accumulated other comprehensive income (loss) for the period 277 43 (1) Amounts in parentheses indicate debits. Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Nine Months Ended September 30, 2021 2020 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains, reclassified into earnings 711 704 Gains on the sale of debt securities, net Related income tax expense ( 149 ) (148 ) Provision for federal income taxes Net effect on accumulated other comprehensive income for the period 562 556 (1) Amounts in parentheses indicate debits. 28 Table of Contents ENB FINANCIAL CORP

Risks and Uncertainties

Risks and Uncertainties	9 Months Ended
	Sep. 30, 2021
Risks and Uncertainties [Abstract]
Risks and Uncertainties	9. Risks and Uncertainties COVID-19 Update The following table provides information with respect to concentrations within our commercial loan portfolio that may be more significantly impacted by the effects of the COVID-19 pandemic at September 30, 2021. 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 177 104,261 85,142 9.67% Lessors of Residential Buildings 227 48,681 44,558 5.06% Specialized Freight 24 10,813 6,501 0.74% Residential Remodelers 85 9,457 3,645 0.41% New Single Family Housing Construction 45 9,596 5,281 0.60% Passenger Car Leasing 172 9,496 9,256 1.05% Hotels 12 8,274 8,039 0.91% Religious Organizations 23 6,413 5,313 0.60% Car Washes 7 6,030 5,869 0.67% Concrete & Structural Contrators 19 4,879 3,039 0.35% Other 59 9,850 3,209 0.36% Totals 850 227,750 179,852 20.43% 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 2020 to 2021. 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 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. 29 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements 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 2020. Congress then passed an additional allocation of funds for the PPP loans, allowing a second round of applications to begin. The Corporation generated PPP loans under this initial plan in the amount of approximately $78 million. In the first quarter of 2021, the SBA made another round of PPP funding available and the Corporation made additional loans to qualifying small businesses. Additionally, all rounds of PPP loans became eligible for forgiveness. As a result of the forgiveness of some of the original PPP loans, the initiation of additional PPP loans, and the forgiveness of a portion of these loans, the total balance of PPP loans at September 30, 2021, was $23.2 million. 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, as of September 30, 2021, the Corporation received approximately $5.5 million in fees associated with the processing of these loans. All fee income is being deferred over the expected life of each PPP loan. The 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 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. This income amounted to $2,119,000 during the first nine months of 2021, and $1,442,000 during the first nine months of 2020. The Corporation expects there to be few loans that are on the books until the stated maturity dates. COVID-19 Loan Forbearance Programs Throughout 2020 and into 2021, 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 $43.4 million, or 4.9% of the total loan portfolio as of September 30, 2021. The balance of these loans was $54.6 million as of December 31, 2020. In accordance with interagency guidance issued in March 2020, these short-term deferrals were 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 would not be considered past due until after the deferral period ended and scheduled payments resumed. The vast majority of the COVID-19 loan payment deferrals were for a 90-day period. As of September 30, 2021, there were no commercial loans remaining on deferment and the Corporation’s delinquent and non-performing levels were not materially impacted by the weaker economic conditions brought on by COVID-19.

Recently Issued Accounting Stan

Recently Issued Accounting Standards	9 Months Ended
	Sep. 30, 2021
Accounting Standards Update and Change in Accounting Principle [Abstract]
Recently Issued Accounting Standards	10. Recently Issued Accounting Standards In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments Financial Instruments ‒ Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) In November 2018, the FASB issued ASU 2018-19, Codification Improvements to Topic 326, Financial Instruments ‒ Credit Losses 30 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements 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 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 31 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements In August 2020, the FASB issued ASU 2020-06, Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity’s Own Equity (Subtopic 815-40) In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848) In May 2021, the FASB issued ASU 2021-04, Earnings Per Share (Topic 260), Debt – Modifications and Extinguishments (Subtopic 470-50), Compensation – Stock Compensation (Topic 718), and Derivatives and Hedging – Contracts in Entity’s Own Equity (Subtopic 815-40), In July 2021, the FASB issued ASU 2021-05, Leases (Topic 842), 32 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements In August 2021, the FASB issued ASU 2021-06, Presentation of Financial Statements (Topic 205), Financial Services – Depository and Lending (Topic 942), and Financial Services – Investment Companies (Topic 946): Amendments to SEC Paragraphs Pursuant to SEC Final Rule Releases No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants (SEC Update) Amendments to Financial Disclosures about Acquired and Disposed Businesses Update of Statistical Disclosures for Bank and Savings and Loan Registrants

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2021
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The accompanying unaudited consolidated interim financial statements have been prepared in accordance with U.S. generally accepted accounting principles for interim financial information and to general practices within the banking industry. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all significant adjustments considered necessary for fair presentation have been included. Certain items previously reported have been reclassified to conform to the current period’s reporting format. Such reclassifications did not affect net income or stockholders’ equity. ENB Financial Corp (“the Corporation”) is the bank holding company for its wholly-owned subsidiary Ephrata National Bank (the “Bank”). This Form 10-Q, for the third quarter of 2021, is reporting on the results of operations and financial condition of ENB Financial Corp on a consolidated basis. Operating results for the nine months ended September 30, 2021, are not necessarily indicative of the results that may be expected for the year ending December 31, 2021. For further information, refer to the consolidated financial statements and footnotes thereto included in ENB Financial Corp’s Annual Report on Form 10-K for the year ended December 31, 2020.
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.

Securities Available for Sale (

Securities Available for Sale (Tables)	9 Months Ended
	Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities	The amortized cost, gross unrealized gains and losses, and fair value of securities held at September 30, 2021, and December 31, 2020, are as follows: Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ September 30, 2021 U.S. treasuries 4,981 17 - 4,998 U.S. government agencies 29,616 85 ( 420 ) 29,281 U.S. agency mortgage-backed securities 56,941 857 ( 336 ) 57,462 U.S. agency collateralized mortgage obligations 33,173 436 ( 16 ) 33,593 Asset-backed securities 100,722 868 ( 147 ) 101,443 Corporate bonds 84,264 854 ( 144 ) 84,974 Obligations of states and political subdivisions 246,413 5,127 ( 1,704 ) 249,836 Total securities available for sale 556,110 8,244 ( 2,767 ) 561,587 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
Schedule of contractual maturity of debt securities	The amortized cost and fair value of securities available for sale at September 30, 2021, 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 35,395 35,774 Due after one year through five years 102,504 104,210 Due after five years through ten years 139,182 139,739 Due after ten years 279,029 281,864 Total debt securities 556,110 561,587
Schedule of proceeds and gains and losses on securities available for sale	Proceeds from active sales of 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) Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 $ $ $ $ Proceeds from sales 17,957 7,001 77,259 50,819 Gross realized gains 369 64 791 730 Gross realized losses ( 19 ) (9 ) ( 80 ) (26)
Schedule of securities in an unrealized loss position (temporary impairment)	Information pertaining to securities with gross unrealized losses at September 30, 2021, and December 31, 2020, 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 September 30, 2021 U.S. government agencies 23,985 ( 420 ) - - 23,985 ( 420 ) U.S. agency mortgage-backed securities 24,270 ( 310 ) 2,988 ( 26 ) 27,258 ( 336 ) U.S. agency collateralized mortgage obligations 3,243 ( 1 ) 3,569 ( 15 ) 6,812 ( 16 ) Asset-backed securities 27,718 ( 123 ) 4,919 ( 24 ) 32,637 ( 147 ) Corporate bonds 18,381 ( 144 ) - - 18,381 ( 144 ) Obligations of states & political subdivisions 97,126 ( 1,704 ) - - 97,126 ( 1,704 ) Total temporarily impaired securities 194,723 ( 2,702 ) 11,476 ( 65 ) 206,199 ( 2,767 ) 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 )

Equity Securities (Tables)

Equity Securities (Tables)	9 Months Ended
	Sep. 30, 2021
Marketable Securities [Abstract]
Schedule of Amortized Cost, Gross Unrealized gains, Losses, and Fair Value of Equity Securities	The following table summarizes the amortized cost, gross unrealized gains and losses, and fair value of equity securities held at September 30, 2021 and December 31, 2020. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ September 30, 2021 CRA-qualified mutual funds 7,222 - - 7,222 Bank stocks 1,518 119 ( 15 ) 1,622 Total equity securities 8,740 119 ( 15 ) 8,844 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
Schedule of Realized and Unrealized Gains and Losses	The following table presents the net gains and losses on the Corporation’s equity investments recognized in earnings during the three and nine months ended September 30, 2021 and 2020, and the portion of unrealized gains and losses for the period that relates to equity investments held as of September 30, 2021 and 2020. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 $ $ $ $ Net gains (losses) recognized in equity securities during the period 32 (54 ) 256 (279 ) Less: Net gains realized on the sale of equity securities during the period 3 - 99 - Unrealized gains (losses) recognized in equity securities held at reporting date 29 (54 ) 157 (279 )

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 2021
Receivables [Abstract]
Schedule of loan portfolio by category	The following table presents the Corporation’s loan portfolio by category of loans as of September 30, 2021, and December 31, 2020: LOAN PORTFOLIO (DOLLARS IN THOUSANDS) September 30, December 31, 2021 2020 $ $ Commercial real estate Commercial mortgages 166,741 142,698 Agriculture mortgages 188,455 176,005 Construction 18,786 23,441 Total commercial real estate 373,982 342,144 Consumer real estate (a) 1-4 family residential mortgages 302,670 263,569 Home equity loans 11,889 10,708 Home equity lines of credit 74,919 71,290 Total consumer real estate 389,478 345,567 Commercial and industrial Commercial and industrial 73,695 97,896 Tax-free loans 17,279 10,949 Agriculture loans 19,180 20,365 Total commercial and industrial 110,154 129,210 Consumer 5,211 5,155 Gross loans prior to deferred fees 878,825 822,076 Deferred loan costs, net 1,436 1,294 Allowance for credit losses ( 12,454 ) (12,327 ) Total net loans 867,807 811,043 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $274,892,000 and $235,437,000 as of September 30, 2021, and December 31, 2020, 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 September 30, 2021 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 162,806 179,880 12,648 64,457 17,279 18,657 455,727 Special Mention 2,458 - 6,138 5,082 - - 13,678 Substandard 1,477 8,575 - 4,156 - 523 14,731 Doubtful - - - - - - - Loss - - - - - - - Total 166,741 188,455 18,786 73,695 17,279 19,180 484,136 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 13 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements For consumer loans, the Corporation evaluates credit quality based on whether the loan is considered performing or non-performing. Non-performing loans consist of those loans greater than 90 days delinquent and nonaccrual loans. The following tables present the balances of consumer loans by classes of the loan portfolio based on payment performance as of September 30, 2021 and December 31, 2020: CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity Residential Home Equity Lines of September 30, 2021 Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 302,436 11,889 74,919 5,200 394,444 Non-performing 234 - - 11 245 Total 302,670 11,889 74,919 5,211 394,689 1-4 Family Home Equity Residential Home Equity Lines of December 31, 2020 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
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 September 30, 2021 and December 31, 2020: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Greater Receivable > 90 Days 30-59 Days 60-89 Days than 90 Total Past Total Loans and September 30, 2021 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages - - 186 186 166,555 166,741 - Agriculture mortgages 756 - 1,516 2,272 186,183 188,455 - Construction - - - - 18,786 18,786 - Consumer real estate 1-4 family residential mortgages 529 - 234 763 301,907 302,670 172 Home equity loans 19 - - 19 11,870 11,889 - Home equity lines of credit 47 - - 47 74,872 74,919 - Commercial and industrial Commercial and industrial - - 377 377 73,318 73,695 - Tax-free loans - - - - 17,279 17,279 - Agriculture loans 24 - 95 119 19,061 19,180 - Consumer 5 - 11 16 5,195 5,211 11 Total 1,380 - 2,419 3,799 875,026 878,825 183 14 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Receivable Greater > 90 Days 30-59 Days 60-89 Days than 90 Total Past Total Loans 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
Schedule of nonaccrual loans by class	The following table presents nonaccrual loans by classes of the loan portfolio as of September 30, 2021 and December 31, 2020: NONACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) September 30, December 31, 2021 2020 $ $ Commercial real estate Commercial mortgages 186 208 Agriculture mortgages 1,516 - Construction - - Consumer real estate 1-4 family residential mortgages 62 48 Home equity loans - - Home equity lines of credit - - Commercial and industrial Commercial and industrial 377 469 Tax-free loans - - Agriculture loans 95 - Consumer - - Total 2,236 725
Schedule of impaired loans	As of September 30, 2021 and December 31, 2020, all of the Corporation’s commercial loans on nonaccrual status were also considered impaired. Information with respect to impaired loans for the three and nine months ended September 30, 2021 and September 30, 2020, is as follows: IMPAIRED LOANS (DOLLARS IN THOUSANDS) Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 $ $ $ $ Average recorded balance of impaired loans 2,012 5,060 4,391 4,062 Interest income recognized on impaired loans 38 31 176 72 No loan modifications were made during the first nine months of 2021 that would be considered a troubled debt restructuring (TDR). There was one loan modification made during the third quarter of 2020 that was considered a 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. This loan paid off in the third quarter of 2021. 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. 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. Included in the impaired loan portfolio is one loan to a commercial borrower that is being reported as a TDR. The balance of this TDR loans was $776,000 as of September 30, 2021. This TDR is not non-accrual. 16 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following tables summarize information regarding impaired loans by loan portfolio class as of September 30, 2021 and December 31, 2020, and for the nine months ended September 30, 2021, and the twelve months ended December 31, 2020: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Unpaid Average Interest Recorded Principal Related Recorded Income September 30, 2021 Investment Balance Allowance Investment Recognized $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 247 285 - 2,802 116 Agriculture mortgages 1,720 1,721 - 1,158 45 Construction - - - - - Total commercial real estate 1,967 2,006 - 3,960 161 Commercial and industrial Commercial and industrial 377 428 - 429 15 Tax-free loans - - - - - Agriculture loans - - - - - Total commercial and industrial 377 428 - 429 15 Total with no related allowance 2,344 2,434 - 4,389 176 With an allowance recorded: Commercial real estate Commercial mortgages - - - - - Agriculture mortgages 572 572 57 2 - Construction - - - - - Total commercial real estate 572 572 57 2 - Commercial and industrial Commercial and industrial - - - - - Tax-free loans - - - - - Agriculture loans 95 95 95 - - Total commercial and industrial 95 95 95 - - Total with a related allowance 667 667 152 2 - Total by loan class: Commercial real estate Commercial mortgages 247 285 - 2,802 116 Agriculture mortgages 2,292 2,293 57 1,160 45 Construction - - - - - Total commercial real estate 2,539 2,578 57 3,962 161 Commercial and industrial Commercial and industrial 377 428 - 429 15 Tax-free loans - - - - - Agriculture loans 95 95 95 - - Total commercial and industrial 472 523 95 429 15 Total 3,011 3,101 152 4,391 176 17 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Unpaid Average Interest Recorded Principal Related Recorded Income December 31, 2020 Investment Balance Allowance Investment Recognized $ $ $ $ $ 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
Schedule of allowance for credit losses	The following table details activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2021: ALLOWANCE FOR CREDIT LOSSES (DOLLARS IN THOUSANDS) Commercial Consumer Commercial Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance - December 31, 2020 6,329 3,449 1,972 52 525 12,327 Charge-offs - - - ( 14 ) - ( 14 ) Recoveries - - 1 1 - 2 Provision 173 ( 41 ) ( 15 ) 20 238 375 Balance - March 31, 2021 6,502 3,408 1,958 59 763 12,690 Charge-offs - - - ( 9 ) - ( 9 ) Recoveries - - 16 6 - 22 Provision 48 83 19 10 ( 160 ) - Balance - June 30, 2021 6,550 3,491 1,993 66 603 12,703 Charge-offs - - - ( 7 ) - ( 7 ) Recoveries - - 2 6 - 8 Provision ( 909 ) 216 81 ( 3 ) 365 ( 250 ) Balance - September 30, 2021 5,641 3,707 2,076 62 968 12,454 During the nine months ended September 30, 2021, management charged off $30,000 in loans while recovering $32,000 and added $125,000 to the provision. The unallocated portion of the allowance increased from 4.3% of total reserves as of December 31, 2020, to 7.8% as of September 30, 2021. Management monitors the unallocated portion of the allowance with a desire to maintain it at approximately 5% over the long term, with a requirement of it not to exceed 10%. During the nine months ended September 30, 2021, net provision expense was recorded for all loan sectors except for the commercial real estate sector. The lower provision in the commercial real estate sector was due to the pay off of one loan during the third quarter of 2021 that had a specific allocation. Due to this pay off, the specific allocation was reversed resulting in a credit provision for the nine months ended September 30, 2021. There were minimal charge-offs and recoveries recorded during the nine months ended September 30, 2021, as well as minimal provision expense due to the improving economic conditions and the reversal of specific allocation from the previous time periods. Outside of the above measurements and indicators, management continues to utilize nine qualitative factors to continually refine the potential credit risks across the Corporation’s various loan types. In addition, the loan portfolio is sectored out into nine different categories to evaluate these qualitative factors. A total score of the qualitative factors for each loan sector is calculated to utilize in the allowance for loan loss calculation. The agricultural dairy sector carries the highest level of qualitative factors due to the long-term weakness in milk prices. While the dairy market has improved recently, COVID-19 initially caused a sharp decline in milk prices. 19 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following table details activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2020: ALLOWANCE FOR CREDIT LOSSES (DOLLARS IN THOUSANDS) Commercial Consumer Commercial Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance - December 31, 2019 4,319 2,855 1,784 41 448 9,447 Charge-offs - - - (6 ) - (6 ) Recoveries 11 - 1 - - 12 Provision 252 296 171 21 (390 ) 350 Balance - March 31, 2020 4,582 3,151 1,956 56 58 9,803 Charge-offs - - - (10 ) - (10 ) Recoveries - - 1 1 - 2 Provision 356 146 175 5 293 975 Balance - June 30, 2020 4,938 3,297 2,132 52 351 10,770 Charge-offs - - (23 ) (3 ) - (26 ) Recoveries - - 1 1 - 2 Provision 1,289 75 (18 ) 4 (100 ) 1,250 Balance - September 30, 2020 6,227 3,372 2,092 54 251 11,996 During the nine months ended September 30, 2020, management charged off $42,000 in loans while recovering $16,000 and added $2,575,000 to the provision. The unallocated portion of the allowance decreased from 4.7% of total reserves as of December 31, 2019, to 2.1% as of September 30, 2020. During the nine months ended September 30, 2020, net provision expense was recorded for all sectors. 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 nine months ended September 30, 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 total amount of substandard loans at the end of the third quarter of 2020 was slightly higher resulting in slightly more provision expense. 20 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following tables present the balance in the allowance for credit losses and the recorded investment in loans receivable by portfolio segment based on impairment method as of September 30, 2021 and December 31, 2020: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Consumer Commercial As of September 30, 2021: Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment 57 - 95 - - 152 Ending balance: collectively evaluated for impairment 5,584 3,707 1,981 62 968 12,302 Loans receivable: Ending balance 373,982 389,478 110,154 5,211 878,825 Ending balance: individually evaluated for impairment 2,539 - 472 - 3,011 Ending balance: collectively evaluated for impairment 371,443 389,478 109,682 5,211 875,814 forg Commercial Consumer Commercial As of December 31, 2020: Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: 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

Fair Value Presentation (Tables

Fair Value Presentation (Tables)	9 Months Ended
	Sep. 30, 2021
Fair Value Disclosures [Abstract]
Schedule of assets measured on a recurring basis	23 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements 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) September 30, 2021 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 2,859 Appraisal of collateral (1) Appraisal adjustments (2) - 20 % (- 20 %) Liquidation expenses (2) - 10 % (- 10 %) December 31, 2020 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 4,632 Appraisal of collateral (1) Appraisal adjustments (2) -20% (-20%) Liquidation expenses (2) -10% (-10%) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include 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.
Schedule of assets measured on a nonrecurring 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 September 30, 2021, and December 31, 2020, 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 MEASURED ON A RECURRING BASIS (DOLLARS IN THOUSANDS) September 30, 2021 Level I Level II Level III Total $ $ $ $ U.S. treasuries - 4,998 - 4,998 U.S. government agencies - 29,281 - 29,281 U.S. agency mortgage-backed securities - 57,462 - 57,462 U.S. agency collateralized mortgage obligations - 33,593 - 33,593 Asset-backed securities - 101,443 - 101,443 Corporate bonds - 84,974 - 84,974 Obligations of states & political subdivisions - 249,836 - 249,836 Equity securities 8,844 - - 8,844 Total securities 8,844 561,587 - 570,431 On September 30, 2021, 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 September 30, 2021, the CRA fund investments had a $7,222,000 book and fair market value and the bank stock portfolio had a book value of $1,518,000, and fair market value of $1,622,000. 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. 22 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements ASSETS MEASURED 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 & political subdivisions - 193,782 - 193,782 Equity securities 7,105 - - 7,105 Total securities 7,105 476,428 - 483,533
Schedule of Level III inputs	The following tables provide 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 September 30, 2021 and December 31, 2020, by level within the fair value hierarchy: ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) September 30, 2021 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ - $ - $ 2,859 $ 2,859 Total $ - $ - $ 2,859 $ 2,859 December 31, 2020 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ - $ - $ 4,632 $ 4,632 Total $ - $ - $ 4,632 $ 4,632

FINANCIAL INSTRUMENTS NOT REQ_2

FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (Tables)	9 Months Ended
	Sep. 30, 2021
Fair Value Disclosures [Abstract]
Schedule of carrying amount and fair value of financial instruments	The following table provides 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 Consolidated Balance Sheets as of September 30, 2021 and December 31, 2020: FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) September 30, 2021 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level I) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 78,820 78,820 78,820 - - Regulatory stock 5,635 5,635 5,635 - - Loans held for sale 3,174 3,155 3,155 - - Loans, net of allowance 867,807 879,942 - - 879,942 Mortgage servicing assets 1,591 2,003 - - 2,003 Accrued interest receivable 5,504 5,504 5,504 - - Bank owned life insurance 35,200 35,200 35,200 - - Financial Liabilities: Demand deposits 591,333 591,333 591,333 - - Interest-bearing demand deposits 58,425 58,425 58,425 - - NOW accounts 133,443 133,443 133,443 - - Money market deposit accounts 162,050 162,050 162,050 - - Savings accounts 329,900 329,900 329,900 - - Time deposits 116,351 117,050 - - 117,050 Total deposits 1,391,502 1,392,201 1,275,151 - 117,050 Long-term debt 46,706 44,912 - - 44,912 Subordinated debt 19,660 19,227 - - 19,227 Accrued interest payable 470 470 470 - - 25 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements 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 I) (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 325 325 325 - -

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of accumulated other comprehensive loss	The activity in accumulated other comprehensive income (loss) for the three and nine months ended September 30, 2021 and 2020 is as follows: ACCUMULATED OTHER COMPREHENSIVE INCOME (1) (2) (DOLLARS IN THOUSANDS) Unrealized Gains (Losses) on Securities Available-for-Sale $ Balance at December 31, 2020 7,958 Other comprehensive loss before reclassifications ( 4,964 ) Amount reclassified from accumulated other comprehensive income (loss) ( 70 ) Period change ( 5,034 ) Balance at March 31, 2021 2,924 Other comprehensive income before reclassifications 4,654 Amount reclassified from accumulated other comprehensive income (loss) ( 216 ) Period change 4,438 Balance at June 30, 2021 7,362 Other comprehensive loss before reclassifications ( 2,759 ) Amount reclassified from accumulated other comprehensive income (loss) ( 277 ) Period change ( 3,036 ) Balance at September 30, 2021 4,326 Balance at December 31, 2019 1,600 Other comprehensive loss before reclassifications (274 ) Amount reclassified from accumulated other comprehensive income (loss) (223 ) Period change (497 ) Balance at March 31, 2020 1,103 Other comprehensive loss before reclassifications 3,709 Amount reclassified from accumulated other comprehensive income (loss) (290 ) Period change 3,419 Balance at June 30, 2020 4,522 Other comprehensive income before reclassifications 1,277 Amount reclassified from accumulated other comprehensive income (43 ) Period change 1,234 Balance at September 30, 2020 5,756 (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. 27 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Three Months Ended September 30, 2021 2020 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains, reclassified into earnings 350 55 Gains on the sale of debt securities, net Related income tax expense ( 73 ) (12 ) Provision for federal income taxes Net effect on accumulated other comprehensive income (loss) for the period 277 43 (1) Amounts in parentheses indicate debits. Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Nine Months Ended September 30, 2021 2020 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains, reclassified into earnings 711 704 Gains on the sale of debt securities, net Related income tax expense ( 149 ) (148 ) Provision for federal income taxes Net effect on accumulated other comprehensive income for the period 562 556 (1) Amounts in parentheses indicate debits.

Risks and Uncertainties (Tables

Risks and Uncertainties (Tables)	9 Months Ended
	Sep. 30, 2021
Risks and Uncertainties [Abstract]
Shedule of Commercial Loans by Type	The following table provides information with respect to concentrations within our commercial loan portfolio that may be more significantly impacted by the effects of the COVID-19 pandemic at September 30, 2021. 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 177 104,261 85,142 9.67% Lessors of Residential Buildings 227 48,681 44,558 5.06% Specialized Freight 24 10,813 6,501 0.74% Residential Remodelers 85 9,457 3,645 0.41% New Single Family Housing Construction 45 9,596 5,281 0.60% Passenger Car Leasing 172 9,496 9,256 1.05% Hotels 12 8,274 8,039 0.91% Religious Organizations 23 6,413 5,313 0.60% Car Washes 7 6,030 5,869 0.67% Concrete & Structural Contrators 19 4,879 3,039 0.35% Other 59 9,850 3,209 0.36% Totals 850 227,750 179,852 20.43%

Securities Available for Sale_2

Securities Available for Sale (Narrative) (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2021USD ($)	Dec. 31, 2020USD ($)
Debt Securities, Available-for-sale [Line Items]
Available for sale debt securities pledged or restricted for public funds, par value	$ 91,079	$ 86,849
Available for sale debt securities pledged or restricted for public funds, fair value	$ 94,538	$ 91,666
Number of securities considered temporarily impaired	101
Available-for-sale Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Description of issuers	78 different issuers

Securities Available for Sale_3

Securities Available for Sale (Schedule of Amortized Cost and Fair Value of Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
Securities Available For Sale
Amortized Cost	$ 556,110	$ 466,356
Gross Unrealized Gains	8,244	10,733
Gross Unrealized Losses	(2,767)	(661)
Fair Value	561,587	476,428	$ 360,029
U.S. Treasuries [Member]
Securities Available For Sale
Amortized Cost	4,981
Gross Unrealized Gains	17
Gross Unrealized Losses
Fair Value	4,998
U.S. Government Agencies [Member]
Securities Available For Sale
Amortized Cost	29,616	54,224
Gross Unrealized Gains	85	144
Gross Unrealized Losses	(420)	(7)
Fair Value	29,281	54,361
U.S. Agency Mortgage-Backed Securities [Member]
Securities Available For Sale
Amortized Cost	56,941	69,777
Gross Unrealized Gains	857	1,441
Gross Unrealized Losses	(336)	(166)
Fair Value	57,462	71,052
U.S. Agency Collateralized Mortgage Obligations [Member]
Securities Available For Sale
Amortized Cost	33,173	34,449
Gross Unrealized Gains	436	640
Gross Unrealized Losses	(16)	(54)
Fair Value	33,593	35,035
Asset-backed Securities [Member]
Securities Available For Sale
Amortized Cost	100,722	60,387
Gross Unrealized Gains	868	433
Gross Unrealized Losses	(147)	(345)
Fair Value	101,443	60,475
Corporate Bonds [Member]
Securities Available For Sale
Amortized Cost	84,264	60,387
Gross Unrealized Gains	854	1,348
Gross Unrealized Losses	(144)	(12)
Fair Value	84,974	61,723
Obligations of States and Political Subdivisions [Member]
Securities Available For Sale
Amortized Cost	246,413	187,132
Gross Unrealized Gains	5,127	6,727
Gross Unrealized Losses	(1,704)	(77)
Fair Value	$ 249,836	$ 193,782

Securities Available for Sale_4

Securities Available for Sale (Schedule of Contractual Maturity of Debt Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
Contractual maturity of debt securities, Amortized Cost
Due in one year or less	$ 35,395
Due after one year through five years	102,504
Due after five years through ten years	139,182
Due after ten years	279,029
Amortized Cost	556,110	$ 466,356
Contractual maturity of debt securities, Fair Value
Due in one year or less	35,774
Due after one year through five years	104,210
Due after five years through ten years	139,739
Due after ten years	281,864
Total debt securities	$ 561,587	$ 476,428	$ 360,029

Securities Available for Sale_5

Securities Available for Sale (Schedule of Proceeds and Gains and Losses on Securities) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 17,957	$ 7,001	$ 77,259	$ 50,819
Gross realized gains	369	64	791	730
Gross realized losses	$ (19)	$ (9)	$ (80)	$ (26)

Securities Available for Sale_6

Securities Available for Sale (Schedule of Securities in an Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair Value
Less than 12 months	$ 194,723	$ 96,047
More than 12 months	11,476	23,317
Total	206,199	119,364
Gross Unrealized Losses
Less than 12 months	(2,702)	(315)
More than 12 months	(65)	(346)
Total	(2,767)	(661)
U.S. Government Agencies [Member]
Fair Value
Less than 12 months	23,985	42,988
More than 12 months
Total	23,985	42,988
Gross Unrealized Losses
Less than 12 months	(420)	(7)
More than 12 months
Total	(420)	(7)
U.S. Agency Mortgage-Backed Securities [Member]
Fair Value
Less than 12 months	24,270	15,995
More than 12 months	2,988	2,221
Total	27,258	18,216
Gross Unrealized Losses
Less than 12 months	(310)	(157)
More than 12 months	(26)	(9)
Total	(336)	(166)
U.S. Agency Collateralized Mortgage Obligations [Member]
Fair Value
Less than 12 months	3,243	12,933
More than 12 months	3,569
Total	6,812	12,933
Gross Unrealized Losses
Less than 12 months	(1)	(54)
More than 12 months	(15)
Total	(16)	(54)
Asset-backed Securities [Member]
Fair Value
Less than 12 months	27,718	8,465
More than 12 months	4,919	18,080
Total	32,637	26,545
Gross Unrealized Losses
Less than 12 months	(123)	(20)
More than 12 months	(24)	(325)
Total	(147)	(345)
Corporate Bonds [Member]
Fair Value
Less than 12 months	18,381
More than 12 months		3,016
Total	18,381	3,016
Gross Unrealized Losses
Less than 12 months	(144)
More than 12 months		(12)
Total	(144)	(12)
Obligations of States and Political Subdivisions [Member]
Fair Value
Less than 12 months	97,126	15,666
More than 12 months
Total	97,126	15,666
Gross Unrealized Losses
Less than 12 months	(1,704)	(77)
More than 12 months
Total	$ (1,704)	$ (77)

Equity Securities (Schedule of

Equity Securities (Schedule of Amortized Cost, Gross Unrealized gains, Losses, and Fair Value of Equity Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
Net Investment Income [Line Items]
Amortized Cost	$ 556,110	$ 466,356
Gross Unrealized Gains	8,244	10,733
Gross Unrealized Losses	(2,767)	(661)
Fair Value	561,587	476,428	$ 360,029
CRA-qualified mutual funds [Member]
Net Investment Income [Line Items]
Amortized Cost	7,222	6,176
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value	7,222	6,176
Bank stocks [Member]
Net Investment Income [Line Items]
Amortized Cost	1,518	982
Gross Unrealized Gains	119	53
Gross Unrealized Losses	(15)	(106)
Fair Value	1,622	929
Equity Securities [Member]
Net Investment Income [Line Items]
Amortized Cost	8,740	7,158
Gross Unrealized Gains	119	53
Gross Unrealized Losses	(15)	(106)
Fair Value	$ 8,844	$ 7,105

Equity Securities (Schedule o_2

Equity Securities (Schedule of Unrealized Gains and Losses) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Marketable Securities [Abstract]
Net gains (losses) recognized in equity securities during the period	$ 32	$ (54)	$ 256	$ (279)
Less: Net gains realized on the sale of equity securities during the period	3		99
Unrealized gains (losses) recognized in equity securities held at reporting date	$ 29	$ (54)	$ 157	$ (279)

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDRs loan	$ 3,600						$ 3,600
Additional provision for loan losses							125	$ 2,575
Recoveries of loan losses							32	16
Charge-offs	$ 7	$ 9	$ 14	$ 26	$ 10	$ 6	$ 30	$ 42
Unallocated portion of allowance, percentage	7.80%			2.10%			7.80%	2.10%	4.30%	4.70%
Provision for specific allocation				$ 1,100				$ 1,100
Loans Serviced for Others [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate loans serviced for others	$ 274,892						$ 274,892		$ 235,437
Two Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDRs loan	$ 776						$ 776

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses (Schedule of Loan Portfolio by Category) (Details) - USD ($) $ in Thousands		Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Loan Portfolio
Gross loans prior to deferred fees		$ 878,825			$ 822,076
Less: Deferred loan costs, net		1,436			1,294
Allowance for credit losses		(12,454)	$ (12,703)	$ (12,690)	(12,327)	$ (11,996)	$ (10,770)	$ (9,803)	$ (9,447)
Total net loans		867,807			811,043	831,181
Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred fees		11,889			10,708
Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred fees		74,919			71,290
Commercial Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred fees		373,982			342,144
Allowance for credit losses		(5,641)	(6,550)	(6,502)	(6,329)	(6,227)	(4,938)	(4,582)	(4,319)
Commercial Real Estate [Member] | Mortgages [Member]
Loan Portfolio
Gross loans prior to deferred fees		166,741			142,698
Commercial Real Estate [Member] | Agricultural Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		188,455			176,005
Commercial Real Estate [Member] | Construction [Member]
Loan Portfolio
Gross loans prior to deferred fees		18,786			23,441
Consumer Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	389,478			345,567
Allowance for credit losses		(3,707)	(3,491)	(3,408)	(3,449)	(3,372)	(3,297)	(3,151)	(2,855)
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	302,670			263,569
Consumer Real Estate [Member] | Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	11,889			10,708
Consumer Real Estate [Member] | Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	74,919			71,290
Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred fees		110,154			129,210
Commercial and Industrial [Member] | Agricultural Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		19,180			20,365
Commercial and Industrial [Member] | Commercial and Industrial Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		73,695			97,896
Commercial and Industrial [Member] | Tax-free loans [Member]
Loan Portfolio
Gross loans prior to deferred fees		17,279			10,949
Consumer Portfolio Segment [Member]
Loan Portfolio
Gross loans prior to deferred fees		5,211			5,155
Allowance for credit losses		$ (62)	$ (66)	$ (59)	$ (52)	$ (54)	$ (52)	$ (56)	$ (41)
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $274,892,000 and $235,437,000 as of September 30, 2021, and December 31, 2020, respectively.

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses (Schedule of Commercial and Consumer Credit Exposure) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Total	$ 484,136	$ 471,354
Construction [Member]
Total	18,786	23,441
Agricultural Mortgage Loans [Member]
Total	188,455	176,005
Commercial and Industrial Sector [Member]
Total	73,695	97,896
Tax-free loans [Member]
Total	17,279	10,949
Agriculture loans [Member]
Total	19,180	20,365
Commercial [Member]
Total	166,741	142,698
Pass [Member]
Total	455,727	438,399
Pass [Member] | Construction [Member]
Total	12,648	21,142
Pass [Member] | Agricultural Mortgage Loans [Member]
Total	179,880	166,102
Pass [Member] | Commercial and Industrial Sector [Member]
Total	64,457	87,767
Pass [Member] | Tax-free loans [Member]
Total	17,279	10,949
Pass [Member] | Agriculture loans [Member]
Total	18,657	18,586
Pass [Member] | Commercial [Member]
Total	162,806	133,853
Special Mention [Member]
Total	13,678	13,999
Special Mention [Member] | Construction [Member]
Total	6,138	2,299
Special Mention [Member] | Agricultural Mortgage Loans [Member]
Total		1,651
Special Mention [Member] | Commercial and Industrial Sector [Member]
Total	5,082	5,592
Special Mention [Member] | Tax-free loans [Member]
Total
Special Mention [Member] | Agriculture loans [Member]
Total		774
Special Mention [Member] | Commercial [Member]
Total	2,458	3,683
Substandard [Member]
Total	14,731	18,956
Substandard [Member] | Construction [Member]
Total
Substandard [Member] | Agricultural Mortgage Loans [Member]
Total	8,575	8,252
Substandard [Member] | Commercial and Industrial Sector [Member]
Total	4,156	4,537
Substandard [Member] | Tax-free loans [Member]
Total
Substandard [Member] | Agriculture loans [Member]
Total	523	1,005
Substandard [Member] | Commercial [Member]
Total	1,477	5,162
Doubtful [Member]
Total
Doubtful [Member] | Construction [Member]
Total
Doubtful [Member] | Agricultural Mortgage Loans [Member]
Total
Doubtful [Member] | Commercial and Industrial Sector [Member]
Total
Doubtful [Member] | Tax-free loans [Member]
Total
Doubtful [Member] | Agriculture loans [Member]
Total
Doubtful [Member] | Commercial [Member]
Total
Loss [Member]
Total
Loss [Member] | Construction [Member]
Total
Loss [Member] | Agricultural Mortgage Loans [Member]
Total
Loss [Member] | Commercial and Industrial Sector [Member]
Total
Loss [Member] | Tax-free loans [Member]
Total
Loss [Member] | Agriculture loans [Member]
Total
Loss [Member] | Commercial [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	Sep. 30, 2021	Dec. 31, 2020
Gross loans prior to deferred fees	$ 878,825	$ 822,076
Consumer Borrower [Member]
Gross loans prior to deferred fees	394,689	350,722
Home Equity Loan [Member]
Gross loans prior to deferred fees	11,889	10,708
Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	74,919	71,290
1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	302,670	263,569
Consumer Portfolio Segment [Member]
Gross loans prior to deferred fees	5,211	5,155
Performing [Member]
Gross loans prior to deferred fees	394,444	349,301
Performing [Member] | Home Equity Loan [Member]
Gross loans prior to deferred fees	11,889	10,708
Performing [Member] | Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	74,919	71,267
Performing [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	302,436	262,185
Performing [Member] | Consumer Portfolio Segment [Member]
Gross loans prior to deferred fees	5,200	5,141
Nonperforming [Member]
Gross loans prior to deferred fees	245	1,421
Nonperforming [Member] | Home Equity Loan [Member]
Gross loans prior to deferred fees
Nonperforming [Member] | Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees		23
Nonperforming [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	234	1,384
Nonperforming [Member] | Consumer Portfolio Segment [Member]
Gross loans prior to deferred fees	$ 11	$ 14

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses (Schedule of Aging of Loans Receivable) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 3,799	$ 2,785
Current	875,026	819,291
Total Loans Receivable	878,825	822,076
Loans Receivable - Greater than 90 Days and Accruing	183	1,373
30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,380	684
60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		3
Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,419	2,098
1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Loans Receivable	302,670	263,569
Commercial real estate [Member] | Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	186	208
Current	166,555	142,490
Total Loans Receivable	166,741	142,698
Loans Receivable - Greater than 90 Days and Accruing
Commercial real estate [Member] | Mortgages [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial real estate [Member] | Mortgages [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial real estate [Member] | Mortgages [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	186	208
Commercial real estate [Member] | Agricultural Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,272
Current	186,183	176,005
Total Loans Receivable	188,455	176,005
Loans Receivable - Greater than 90 Days and Accruing
Commercial real estate [Member] | Agricultural Sector [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	756
Commercial real estate [Member] | Agricultural Sector [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial real estate [Member] | Agricultural Sector [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,516
Commercial real estate [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Current	18,786	23,441
Total Loans Receivable	18,786	23,441
Loans Receivable - Greater than 90 Days and Accruing
Commercial real estate [Member] | Construction [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial real estate [Member] | Construction [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial real estate [Member] | Construction [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	763	2,002
Current	301,907	261,567
Total Loans Receivable	302,670	263,569
Loans Receivable - Greater than 90 Days and Accruing	172	1,336
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	529	618
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	234	1,384
Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	19	1
Current	11,870	10,707
Total Loans Receivable	11,889	10,708
Loans Receivable - Greater than 90 Days and Accruing
Consumer Real Estate [Member] | Home Equity Loan [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	19	1
Consumer Real Estate [Member] | Home Equity Loan [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Consumer Real Estate [Member] | Home Equity Loan [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Consumer Real Estate [Member] | Home equity lines of credit [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	47	23
Current	74,872	71,267
Total Loans Receivable	74,919	71,290
Loans Receivable - Greater than 90 Days and Accruing		23
Consumer Real Estate [Member] | Home equity lines of credit [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	47
Consumer Real Estate [Member] | Home equity lines of credit [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Consumer Real Estate [Member] | Home equity lines of credit [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		23
Commercial and Industrial Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	377	469
Current	73,318	97,427
Total Loans Receivable	73,695	97,896
Loans Receivable - Greater than 90 Days and Accruing
Commercial and Industrial Sector [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial and Industrial Sector [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial and Industrial Sector [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	377	469
Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Current	17,279	10,949
Total Loans Receivable	17,279	10,949
Loans Receivable - Greater than 90 Days and Accruing
Commercial and Industrial Sector [Member] | Tax-free loans [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial and Industrial Sector [Member] | Tax-free loans [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial and Industrial Sector [Member] | Tax-free loans [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial and Industrial Sector [Member] | Agriculture loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	119	42
Current	19,061	20,323
Total Loans Receivable	19,180	20,365
Loans Receivable - Greater than 90 Days and Accruing
Commercial and Industrial Sector [Member] | Agriculture loans [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	24	42
Commercial and Industrial Sector [Member] | Agriculture loans [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial and Industrial Sector [Member] | Agriculture loans [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	95
Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	16	40
Current	5,195	5,115
Total Loans Receivable	5,211	5,155
Loans Receivable - Greater than 90 Days and Accruing	11	14
Consumer Portfolio Segment [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	5	23
Consumer Portfolio Segment [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		3
Consumer Portfolio Segment [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 11	$ 14

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses (Schedule of Nonaccrual Loans by Class) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	$ 2,236	$ 725
Commercial real estate [Member] | Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	186	208
Commercial real estate [Member] | Agricultural Sector [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	1,516
Commercial real estate [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	62	48
Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Consumer Real Estate [Member] | Home equity lines of credit [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Commercial and Industrial Sector [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	377	469
Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Commercial and Industrial Sector [Member] | Agriculture loans [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	95
Consumer Portfolio Segment [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) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Total impaired loans
Average recorded balance of impaired loans	$ 2,012	$ 5,060	$ 4,391	$ 4,062	$ 4,628
Interest income recognized on impaired loans	$ 38	$ 31	$ 176	$ 72	$ 160

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses (Schedule of Impaired Loans by Loan Portfolio Class) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Loans with no related allowance recorded:
Recorded Investment	$ 2,344		$ 2,344		$ 1,531
Unpaid Principal Balance	2,434		2,434		1,657
Related Allowance
Average Recorded Investment			4,389		2,481
Interest Income Recognized			176		69
Loans with an allowance recorded:
Recorded Investment	667		667		4,232
Unpaid Principal Balance	667		667		4,232
Related Allowance	152		152		1,131
Average Recorded Investment			2		2,147
Interest Income Recognized					91
Total impaired loans
Recorded Investment	3,011		3,011		5,763
Unpaid Principal Balance	3,101		3,101		5,889
Related Allowance	152		152		1,131
Average Recorded Investment	2,012	$ 5,060	4,391	$ 4,062	4,628
Interest Income Recognized	38	$ 31	176	$ 72	160
Commercial real estate [Member]
Loans with no related allowance recorded:
Recorded Investment	1,967		1,967		1,062
Unpaid Principal Balance	2,006		2,006		1,153
Related Allowance
Average Recorded Investment			3,960		1,968
Interest Income Recognized			161		46
Loans with an allowance recorded:
Recorded Investment	572		572		4,232
Unpaid Principal Balance	572		572		4,232
Related Allowance	57		57		1,131
Average Recorded Investment			2		2,147
Interest Income Recognized					91
Total impaired loans
Recorded Investment	2,539		2,539		5,294
Unpaid Principal Balance	2,578		2,578		5,385
Related Allowance	57		57		1,131
Average Recorded Investment			3,962		4,115
Interest Income Recognized			161		137
Commercial real estate [Member] | Mortgages [Member]
Loans with no related allowance recorded:
Recorded Investment	247		247		256
Unpaid Principal Balance	285		285		318
Related Allowance
Average Recorded Investment			2,802		798
Interest Income Recognized			116
Loans with an allowance recorded:
Recorded Investment					3,581
Unpaid Principal Balance					3,581
Related Allowance					1,110
Average Recorded Investment					1,468
Interest Income Recognized					57
Total impaired loans
Recorded Investment	247		247		3,837
Unpaid Principal Balance	285		285		3,899
Related Allowance					1,110
Average Recorded Investment			2,802		2,266
Interest Income Recognized			116		57
Commercial real estate [Member] | Agricultural Sector [Member]
Loans with no related allowance recorded:
Recorded Investment	1,720		1,720		806
Unpaid Principal Balance	1,721		1,721		835
Related Allowance
Average Recorded Investment			1,158		1,170
Interest Income Recognized			45		46
Loans with an allowance recorded:
Recorded Investment	572		572		651
Unpaid Principal Balance	572		572		651
Related Allowance	57		57		21
Average Recorded Investment			2		679
Interest Income Recognized					34
Total impaired loans
Recorded Investment	2,292		2,292		1,457
Unpaid Principal Balance	2,293		2,293		1,486
Related Allowance	57		57		21
Average Recorded Investment			1,160		1,849
Interest Income Recognized			45		80
Commercial real estate [Member] | Construction [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
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
Related Allowance
Average Recorded Investment
Interest Income Recognized
Commercial and Industrial Sector [Member]
Loans with no related allowance recorded:
Recorded Investment	377		377		469
Unpaid Principal Balance	428		428		504
Related Allowance
Average Recorded Investment			429		513
Interest Income Recognized			15		23
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment	377		377		469
Unpaid Principal Balance	428		428		504
Related Allowance
Average Recorded Investment			429		513
Interest Income Recognized			15		23
Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
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
Related Allowance
Average Recorded Investment
Interest Income Recognized
Commercial and Industrial Sector [Member] | Agriculture loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment	95		95
Unpaid Principal Balance	95		95
Related Allowance	95		95
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment	95		95
Unpaid Principal Balance	95		95
Related Allowance	95		95
Average Recorded Investment
Interest Income Recognized
Total Commercial and Industrial Sector [Member]
Loans with no related allowance recorded:
Recorded Investment	377		377		469
Unpaid Principal Balance	428		428		504
Related Allowance
Average Recorded Investment			429		513
Interest Income Recognized			15		23
Loans with an allowance recorded:
Recorded Investment	95		95
Unpaid Principal Balance	95		95
Related Allowance	95		95
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment	472		472		469
Unpaid Principal Balance	523		523		504
Related Allowance	$ 95		95
Average Recorded Investment			429		513
Interest Income Recognized			$ 15		$ 23

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses (Schedule of Allowance for Credit Losses) (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2021	Sep. 30, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	$ 12,703	$ 12,690	$ 12,327	$ 10,770	$ 9,803	$ 9,447	$ 12,327	$ 9,447
Charge-offs	(7)	(9)	(14)	(26)	(10)	(6)	(30)	(42)
Recoveries	8	22	2	2	2	12
Provision	(250)		375	1,250	975	350
Ending balance	12,454	12,703	12,690	11,996	10,770	9,803	12,454	11,996
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	6,550	6,502	6,329	4,938	4,582	4,319	6,329	4,319
Charge-offs
Recoveries						11
Provision	(909)	48	173	1,289	356	252
Ending balance	5,641	6,550	6,502	6,227	4,938	4,582	5,641	6,227
Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	3,491	3,408	3,449	3,297	3,151	2,855	3,449	2,855
Charge-offs
Recoveries
Provision	216	83	(41)	75	146	296
Ending balance	3,707	3,491	3,408	3,372	3,297	3,151	3,707	3,372
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	1,993	1,958	1,972	2,132	1,956	1,784	1,972	1,784
Charge-offs				(23)
Recoveries	2	16	1	1	1	1
Provision	81	19	(15)	(18)	175	171
Ending balance	2,076	1,993	1,958	2,092	2,132	1,956	2,076	2,092
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	66	59	52	52	56	41	52	41
Charge-offs	(7)	(9)	(14)	(3)	(10)	(6)
Recoveries	6	6	1	1	1
Provision	(3)	10	20	4	5	21
Ending balance	62	66	59	54	52	56	62	54
Unallocated [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	603	763	525	351	58	448	525	448
Charge-offs
Recoveries
Provision	365	(160)	238	(100)	293	(390)
Ending balance	$ 968	$ 603	$ 763	$ 251	$ 351	$ 58	$ 968	$ 251

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses (Schedule of Allowance for Credit Losses and Recorded Investment) (Details) - USD ($) $ in Thousands		Sep. 30, 2021	Dec. 31, 2020
Allowance for credit losses:
Individually evaluated for impairment		$ 152	$ 1,131
Collectively evaluated for impairment		12,302	11,196
Loans receivable:
Total Loans Receivable		878,825	822,076
Individually evaluated for impairment		3,011	5,763
Collectively evaluated for impairment		875,814	816,313
Commercial Real Estate [Member]
Allowance for credit losses:
Individually evaluated for impairment		57	1,131
Collectively evaluated for impairment		5,584	5,198
Loans receivable:
Total Loans Receivable		373,982	342,144
Individually evaluated for impairment		2,539	5,294
Collectively evaluated for impairment		371,443	336,850
Consumer Real Estate [Member]
Allowance for credit losses:
Individually evaluated for impairment
Collectively evaluated for impairment		3,707	3,449
Loans receivable:
Total Loans Receivable	[1]	389,478	345,567
Individually evaluated for impairment
Collectively evaluated for impairment		389,478	345,567
Commercial and Industrial Sector [Member]
Allowance for credit losses:
Individually evaluated for impairment		95
Collectively evaluated for impairment		1,981	1,972
Loans receivable:
Total Loans Receivable		110,154	129,210
Individually evaluated for impairment		472	469
Collectively evaluated for impairment		109,682	128,741
Consumer Portfolio Segment [Member]
Allowance for credit losses:
Individually evaluated for impairment
Collectively evaluated for impairment		62	52
Loans receivable:
Total Loans Receivable		5,211	5,155
Individually evaluated for impairment
Collectively evaluated for impairment		5,211	5,155
Unallocated [Member]
Allowance for credit losses:
Individually evaluated for impairment
Collectively evaluated for impairment		$ 968	$ 525
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $274,892,000 and $235,437,000 as of September 30, 2021, and December 31, 2020, respectively.

Fair Value Presentation (Narrat

Fair Value Presentation (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	$ 570,431	$ 483,533
Marketable equity securities, market value	8,844	7,105	$ 6,854
Impaired Financing Receivable, Recorded Investment	3,011	5,763
Related Allowance	152	1,131
CRA Investment Fund [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	7,222	6,176
Marketable equity securities, market value	7,222	6,176
Regulatory Bank Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	1,518	982
Marketable equity securities, market value	$ 1,622	$ 929

Fair Value Presentation (Schedu

Fair Value Presentation (Schedule of Assets Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
Recurring Fair Value Measurements
Securities available for sale (at fair value)	$ 561,587	$ 476,428	$ 360,029
Total securities	570,431	483,533
U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	29,281	54,361
U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	57,462	71,052
U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	33,593	35,035
Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	101,443	60,475
Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	84,974	61,723
Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	249,836	193,782
Fair Value Measured on a Recurring Basis [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	8,844	7,105
Fair Value Measured on a Recurring Basis [Member] | U.S. treasuries [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	4,998
Fair Value Measured on a Recurring Basis [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	29,281	54,361
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)	57,462	71,052
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)	33,593	35,035
Fair Value Measured on a Recurring Basis [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	101,443	60,475
Fair Value Measured on a Recurring Basis [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	84,974	61,723
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)	249,836	193,782
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)	8,844	7,105
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	8,844	7,105
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. treasuries [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. 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] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	561,587	476,428
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. treasuries [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	4,998
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)	29,281	54,361
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)	57,462	71,052
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)	33,593	35,035
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)	101,443	60,475
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)	84,974	61,723
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)	249,836	193,782
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] | 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] | U.S. treasuries [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 Presentation (Sche_2

Fair Value Presentation (Schedule of Assets Measured on Nonrecurring Basis) (Details) - Fair Value Measured on a Nonrecurring Basis [Member] - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Non-Recurring Fair Value Measurements
Impaired Loans	$ 2,859	$ 4,632
Total Fair Value, non-recurring	2,859	4,632
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	2,859	4,632
Total Fair Value, non-recurring	$ 2,859	$ 4,632

Fair Value Presentation (Sche_3

Fair Value Presentation (Schedule of Level III Inputs to Determine Fair Value) (Details) - Impaired Loans [Member] - USD ($) $ in Thousands		9 Months Ended	12 Months Ended
		Sep. 30, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Fair Value, non-recurring		$ 2,859	$ 4,632
Valuation Techniques	[1]	Appraisal of collateral	Appraisal of collateral
Unobservable inputs - Appraisal adjustments	[2]	(20.00%)	(20.00%)
Unobservable inputs - Liquidation expenses	[2]	(10.00%)	(10.00%)
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 include 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.

FINANCIAL INSTRUMENTS NOT REQ_3

FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020	Dec. 31, 2019
Financial Assets:
Cash and cash equivalents	$ 78,820	$ 94,939	$ 44,326	$ 41,053
Regulatory stock	5,635	6,107	6,525
Loans, net of allowance	867,807	811,043	831,181
Bank owned life insurance	35,200	29,646	29,418
Financial Liabilities:
Demand deposits	591,333	534,853	465,247
Total deposits	1,391,502	1,252,811	1,126,821
Subordinated debt	19,660	19,601
Carrying Amount [Member]
Financial Assets:
Cash and cash equivalents	78,820	94,939
Regulatory stock	5,635	6,107
Loans held for sale	3,174	3,029
Loans, net of allowance	867,807	811,043
Mortgage servicing assets	1,591	1,076
Accrued interest receivable	5,504	4,546
Bank owned life insurance	35,200	29,646
Financial Liabilities:
Demand deposits	591,333	534,853
Interest-bearing demand deposits	58,425	47,092
NOW accounts	133,443	137,279
Money market deposit accounts	162,050	140,113
Savings accounts	329,900	274,386
Time deposits	116,351	119,088
Total deposits	1,391,502	1,252,811
Long-term debt	46,706	54,790
Subordinated debt	19,660	19,601
Accrued interest payable	470	325
Fair Value [Member]
Financial Assets:
Cash and cash equivalents	78,820	94,939
Regulatory stock	5,635	6,107
Loans held for sale	3,155	3,029
Loans, net of allowance	879,942	829,902
Mortgage servicing assets	2,003	1,083
Accrued interest receivable	5,504	4,546
Bank owned life insurance	35,200	29,646
Financial Liabilities:
Demand deposits	591,333	534,853
Interest-bearing demand deposits	58,425	47,092
NOW accounts	133,443	137,279
Money market deposit accounts	162,050	140,113
Savings accounts	329,900	274,386
Time deposits	117,050	121,470
Total deposits	1,392,201	1,255,193
Long-term debt	44,912	51,800
Subordinated debt	19,227	19,601
Accrued interest payable	470	325
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Financial Assets:
Cash and cash equivalents	78,820	94,939
Regulatory stock	5,635	6,107
Loans held for sale	3,155	3,029
Loans, net of allowance
Mortgage servicing assets
Accrued interest receivable	5,504	4,546
Bank owned life insurance	35,200	29,646
Financial Liabilities:
Demand deposits	591,333	534,853
Interest-bearing demand deposits	58,425	47,092
NOW accounts	133,443	137,279
Money market deposit accounts	162,050	140,113
Savings accounts	329,900	274,386
Time deposits
Total deposits	1,275,151	1,133,723
Long-term debt
Subordinated debt
Accrued interest payable	470	325
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
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	879,942	829,902
Mortgage servicing assets	2,003	1,083
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	117,050	121,470
Total deposits	117,050	121,470
Long-term debt	44,912	51,800
Subordinated debt	19,227	19,601
Accrued interest payable

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) $ in Millions	Sep. 30, 2021USD ($)
Commitment to extend credit	$ 481.7
Loan Commitments [Member]
Commitment to extend credit	103.9
Line of Credit [Member]
Commitment to extend credit	364.7
Letter of Credit [Member]
Commitment to extend credit	$ 13.1

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Schedule of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		3 Months Ended
		Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning				$ 7,958
Balance, ending		$ 4,326			$ 5,756
Unrealized Gains (Losses) on Securities Available-for-Sale [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning		7,362	$ 2,924	7,958	4,522	$ 1,103	$ 1,600
Other comprehensive loss before reclassifications	[1],[2]	(2,759)	4,654	(4,964)	1,277	3,709	(274)
Amount reclassified from accumulated other comprehensive income (loss)	[1],[2]	(277)	(216)	(70)	(43)	(290)	(223)
Period change	[1],[2]	(3,036)	4,438	(5,034)	1,234	3,419	(497)
Balance, ending		$ 4,326	$ 7,362	$ 2,924	$ 5,756	$ 4,522	$ 1,103
Federal income tax rate	[1],[2]	21.00%	21.00%	21.00%	21.00%	21.00%	21.00%
[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						9 Months Ended
		Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2021	Sep. 30, 2020
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Provision for federal income taxes		$ (760)			$ (533)			$ (2,251)	$ (1,610)
Reclassifications for the period		4,139	$ 3,551	$ 4,504	2,935	$ 3,599	$ 2,165	12,194	8,699
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassifications for the period	[1]	277			43			562	556
Unrealized Gains (Losses) on Securities Available-for-Sale [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gains on the sale of debt securities, net	[1]	350			55			711	704
Provision for federal income taxes	[1]	$ (73)			$ (12)			$ (149)	$ (148)
[1]	Amounts in parentheses indicate debits.

Risks and Uncertainties (Narrat

Risks and Uncertainties (Narrative) (Details) $ in Thousands, Loans in Millions	1 Months Ended	3 Months Ended	9 Months Ended
	Apr. 30, 2020USD ($)	Mar. 27, 2020USD ($)	Sep. 30, 2021USD ($)Loans	Sep. 30, 2020USD ($)	Dec. 31, 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
Loans approved current balance			$ 43,400		$ 54,600
Processing fee assumed			$ 5,500
Number of loan modified | Loans			65
Percetage of deferrals			4.90%
PPP loans [Member]
Concentration Risk [Line Items]
Loans approved current balance			$ 23,200		$ 78,000
Maturity period of loan			2 years
Remaining fee amount income			$ 2,119	$ 1,442

Risks and Uncertainties (Shedul

Risks and Uncertainties (Shedule of Commercial Loans by Type) (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2021USD ($)Loans
At Risk:
Number of Loans | Loans	850
Total Loan Exposure	$ 227,750
Principal Balance of Loans	$ 179,852
Lessors of Nonresidential Buildings [Member]
At Risk:
Number of Loans | Loans	177
Total Loan Exposure	$ 104,261
Principal Balance of Loans	$ 85,142
Lessors of Nonresidential Buildings [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	9.67%
Lessors of Residential Buildings [Member]
At Risk:
Number of Loans | Loans	227
Total Loan Exposure	$ 48,681
Principal Balance of Loans	$ 44,558
Lessors of Residential Buildings [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	5.06%
Specialized Freight [Member]
At Risk:
Number of Loans | Loans	24
Total Loan Exposure	$ 10,813
Principal Balance of Loans	$ 6,501
Specialized Freight [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	0.74%
Residential Remodelers [Member]
At Risk:
Number of Loans | Loans	85
Total Loan Exposure	$ 9,457
Principal Balance of Loans	$ 3,645
Residential Remodelers [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	0.41%
New Single Family Housing Construction [Member]
At Risk:
Number of Loans | Loans	45
Total Loan Exposure	$ 9,596
Principal Balance of Loans	$ 5,281
New Single Family Housing Construction [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	0.60%
Passenger Car Leasing [Member]
At Risk:
Number of Loans | Loans	172
Total Loan Exposure	$ 9,496
Principal Balance of Loans	$ 9,256
Passenger Car Leasing [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	1.05%
Hotels [Member]
At Risk:
Number of Loans | Loans	12
Total Loan Exposure	$ 8,274
Principal Balance of Loans	$ 8,039
Hotels [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	0.91%
Religious Organizations [Member]
At Risk:
Number of Loans | Loans	23
Total Loan Exposure	$ 6,413
Principal Balance of Loans	$ 5,313
Religious Organizations [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	0.60%
Car Washes [Member]
At Risk:
Number of Loans | Loans	7
Total Loan Exposure	$ 6,030
Principal Balance of Loans	$ 5,869
Car Washes [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	0.67%
Concrete & Structural Contrators [Member]
At Risk:
Number of Loans | Loans	19
Total Loan Exposure	$ 4,879
Principal Balance of Loans	$ 3,039
Concrete & Structural Contrators [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	0.35%
Other [Member]
At Risk:
Number of Loans | Loans	59
Total Loan Exposure	$ 9,850
Principal Balance of Loans	$ 3,209
Other [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	0.36%
Concentration Risk [Member] | Accounts Receivable [Member] | Loan [Member]
At Risk:
% of Total Loan Balance	20.43%