ENB Financial (ENBP) 10-Q 12 May 22 2022 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2022	May 01, 2022
Cover [Abstract]
Document Type	10-Q
Entity Central Index Key	0001437479
Document Period End Date	Mar. 31, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
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	Not Applicable
Title of 12(b) Security	None
Trading Symbol	N/A
Name of Exchange on which Security is Registered	NONE
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		5,595,152

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
ASSETS
Cash and due from banks	$ 21,123	$ 19,930	$ 19,366
Interest-bearing deposits in other banks	58,031	138,519	69,248
Total cash and cash equivalents	79,154	158,449	88,614
Securities available for sale (at fair value)	589,493	558,093	531,600
Equity securities (at fair value)	8,994	8,982	7,217
Loans held for sale	2,223	3,194	2,018
Loans (net of unearned income)	950,571	920,904	841,934
Less: Allowance for loan losses	12,979	12,931	12,690
Net loans	937,592	907,973	829,244
Premises and equipment	24,385	24,476	24,742
Regulatory stock	5,406	5,380	6,160
Bank owned life insurance	35,574	35,414	29,833
Other assets	22,327	15,269	12,461
Total assets	1,705,148	1,717,230	1,531,889
Deposits:
Noninterest-bearing	675,519	686,278	580,003
Interest-bearing	842,438	825,935	745,384
Total deposits	1,517,957	1,512,213	1,325,387
Long-term debt	44,206	44,206	52,792
Subordinated debt	19,700	19,680	19,620
Other liabilities	7,246	3,843	5,269
Total liabilities	1,589,109	1,579,942	1,403,068
Stockholders' equity:
Common stock, par value $0.10 Shares: Authorized 24,000,000 Issued 5,739,114 and Outstanding 5,595,152 as of 3/31/22, 5,583,956 as of 12/31/21, and 5,566,566 as of 3/31/21	574	574	574
Capital surplus	4,544	4,520	4,460
Retained earnings	134,098	131,856	124,285
Accumulated other comprehensive (loss) income	(20,298)	3,441	2,924
Less: Treasury stock cost on 143,962 shares as of 3/31/22, 155,158 as of 12/31/21, and 172,548 as of 3/31/21	(2,879)	(3,103)	(3,422)
Total stockholders' equity	116,039	137,288	128,821
Total liabilities and stockholders' equity	$ 1,705,148	$ 1,717,230	$ 1,531,889

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - $ / shares	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
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	5,595,152	5,583,956	5,566,566
Treasury shares	143,962	155,158	172,548

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest and dividend income:
Interest and fees on loans	$ 8,815	$ 8,385
Interest on securities available for sale
Taxable	1,429	1,079
Tax-exempt	1,029	952
Interest on deposits at other banks	37	22
Dividend income	94	92
Total interest and dividend income	11,404	10,530
Interest expense:
Interest on deposits	252	314
Interest on borrowings	431	537
Total interest expense	683	851
Net interest income	10,721	9,679
Provision for loan losses	100	375
Net interest income after provision for loan losses	10,621	9,304
Other income:
Trust and investment services income	671	670
Service fees	588	614
Commissions	869	864
Gains on the sale of debt securities, net	139	87
(Losses) gains on equity securities, net	(8)	248
Gains on sale of mortgages	735	1,930
Earnings on bank-owned life insurance	190	216
Other income	492	689
Total other income	3,676	5,318
Operating expenses:
Salaries and employee benefits	6,512	5,699
Occupancy	718	683
Equipment	265	267
Advertising & marketing	279	190
Computer software & data processing	1,138	1,098
Shares tax	351	280
Professional services	630	439
Other expense	715	531
Total operating expenses	10,608	9,187
Income before income taxes	3,689	5,435
Provision for federal income taxes	498	931
Net income	$ 3,191	$ 4,504
Earnings per share of common stock	$ 0.57	$ 0.81
Cash dividends paid per share	$ 0.17	$ 0.17
Weighted average shares outstanding	5,584,603	5,561,603

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 3,191	$ 4,504
Securities available for sale not other-than-temporarily impaired:
Unrealized losses arising during the period	(29,909)	(6,285)
Income tax effect	6,280	1,320
Total	(23,629)	(4,965)
Gains recognized in earnings	(139)	(87)
Income tax effect	29	18
Total	(110)	(69)
Other comprehensive loss, net of tax	(23,739)	(5,034)
Comprehensive Loss	$ (20,548)	$ (530)

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, 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, 2021	574	4,520	131,856	3,441	(3,103)	137,288
Net income			3,191			3,191
Other comprehensive loss net of tax				(23,739)		(23,739)
Treasury stock issued		24			224	248
Cash dividends paid			(949)			(949)
Balance, ending at Mar. 31, 2022	$ 574	$ 4,544	$ 134,098	$ (20,298)	$ (2,879)	$ 116,039

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Stockholders' Equity [Abstract]
Treasury stock purchased, shares		7,600
Treasury stock issued, shares	11,196	7,936
Cash dividends paid, per share	$ 0.17	$ 0.16

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net income	$ 3,191	$ 4,504
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization of securities premiums and discounts and loan fees	1,196	771
Amortization of operating leases right-of-use assets	64	45
Increase in interest receivable	(542)	(565)
Decrease in interest payable	189	176
Provision for loan losses	100	375
Gains on the sale of debt securities, net	(139)	(87)
Losses (gains) on equity securities, net	8	(248)
Gains on sale of mortgages	(735)	(1,930)
Loans originated for sale	(14,483)	(29,884)
Proceeds from sales of loans	16,189	32,825
Earnings on bank-owned life insurance	(190)	(216)
Depreciation of premises and equipment and amortization of software	388	376
Deferred income tax		(30)
Amortization of deferred fees on subordinated debt	20	19
Other assets and other liabilities, net	2,904	(999)
Net cash provided by operating activities	8,160	5,132
Securities available for sale:
Proceeds from maturities, calls, and repayments	13,344	20,943
Proceeds from sales	8,575	50,341
Purchases	(84,513)	(133,849)
Equity securities
Proceeds from sales	150	428
Purchases	(170)	(292)
Purchase of regulatory bank stock	(128)	(400)
Redemptions of regulatory bank stock	102	347
Net increase in loans	(29,629)	(18,238)
Purchases of premises and equipment, net	(229)	(311)
Purchase of computer software		(139)
Net cash used for investing activities	(92,498)	(81,170)
Cash flows from financing activities:
Net increase in demand, NOW, and savings accounts	5,536	72,511
Net increase in time deposits	208	65
Repayments of long-term debt		(1,998)
Dividends paid	(949)	(889)
Proceeds from sale of treasury stock	248	173
Treasury stock purchased		(149)
Net cash provided by financing activities	5,043	69,713
Decrease in cash and cash equivalents	(79,295)	(6,325)
Cash and cash equivalents at beginning of period	158,449	94,939
Cash and cash equivalents at end of period	79,154	88,614
Supplemental disclosures of cash flow information:
Interest paid	494	675
Income taxes paid	450
Supplemental disclosure of non-cash investing and financing activities:
Fair value adjustments for securities available for sale	(30,048)	(6,369)
Recognition of lease operating right-of-use assets	1,647
Recognition of operating lease liabilities	$ 1,647

Summary of Significant Accounti

Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2022
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”). Ephrata National Bank has one wholly-owned subsidiary, ENB Insurance, LLC which is consolidated into its financial statements. This Form 10-Q, for the first quarter of 2022, is reporting on the results of operations and financial condition of ENB Financial Corp on a consolidated basis. Operating results for the three months ended March 31, 2022, are not necessarily indicative of the results that may be expected for the year ending December 31, 2022. 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, 2021. 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	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022, and December 31, 2021, are as follows: Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ March 31, 2022 U.S. treasuries 35,683 — ( 1,392 ) 34,291 U.S. government agencies 27,609 2 ( 1,720 ) 25,891 U.S. agency mortgage-backed securities 56,150 50 ( 2,123 ) 54,077 U.S. agency collateralized mortgage obligations 35,640 15 ( 1,207 ) 34,448 Non-agency MBS/CMO 23,307 — ( 275 ) 23,032 Asset-backed securities 91,795 96 ( 1,098 ) 90,793 Corporate bonds 81,973 56 ( 3,244 ) 78,785 Obligations of states and political subdivisions 263,028 698 ( 15,550 ) 248,176 Total securities available for sale 615,185 917 ( 26,609 ) 589,493 December 31, 2021 U.S. Treasuries 14,821 14 (22 ) 14,813 U.S. government agencies 29,613 50 (642 ) 29,021 U.S. agency mortgage-backed securities 51,964 502 (478 ) 51,988 U.S. agency collateralized mortgage obligations 30,917 241 (81 ) 31,077 Asset-backed securities 100,998 605 (384 ) 101,219 Corporate bonds 82,617 420 (528 ) 82,509 Obligations of states and political subdivisions 242,807 5,848 (1,189 ) 247,466 Total securities available for sale 553,737 7,680 (3,324 ) 558,093 The amortized cost and fair value of securities available for sale at March 31, 2022, 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 29,664 29,220 Due after one year through five years 127,954 124,750 Due after five years through ten years 151,046 143,953 Due after ten years 306,521 291,570 Total debt securities 615,185 589,493 Securities available for sale with a par value of $88,591,000 and $94,283,000 at March 31, 2022, and December 31, 2021, respectively, were pledged or restricted for public funds, borrowings, or other purposes as required by law. The fair value of these pledged securities was $86,576,000 at March 31, 2022, and $96,521,000 at December 31, 2021. 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 March 31, 2022 2021 $ $ Proceeds from sales 8,575 50,341 Gross realized gains 139 141 Gross realized losses — (54 ) 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 three months of 2022 or 2021. Information pertaining to securities with gross unrealized losses at March 31, 2022, and December 31, 2021, 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 March 31, 2022 U.S. Treasuries 34,291 ( 1,392 ) — — 34,291 ( 1,392 ) U.S. government agencies 2,001 ( 9 ) 22,689 ( 1,711 ) 24,690 ( 1,720 ) U.S. agency mortgage-backed securities 32,444 ( 1,122 ) 12,274 ( 1,001 ) 44,718 ( 2,123 ) U.S. agency collateralized mortgage obligations 28,325 ( 1,193 ) 2,884 ( 14 ) 31,209 ( 1,207 ) Non-Agency MBS/CMO 9,275 ( 275 ) — — 9,275 ( 275 ) Asset-backed securities 73,552 ( 1,005 ) 5,973 ( 93 ) 79,525 ( 1,098 ) Corporate bonds 54,102 ( 3,244 ) — — 54,102 ( 3,244 ) Obligations of states & political subdivisions 188,073 ( 14,222 ) 9,645 ( 1,328 ) 197,718 ( 15,550 ) Total temporarily impaired securities 422,063 ( 22,462 ) 53,465 ( 4,147 ) 475,528 ( 26,609 ) As of December 31, 2021 U.S. Treasuries 4,959 (22 ) — — 4,959 (22 ) U.S. government agencies 16,386 (519 ) 7,375 (123 ) 23,761 (642 ) U.S. agency mortgage-backed securities 24,090 (468 ) 2,458 (10 ) 26,548 (478 ) U.S. agency collateralized mortgage obligations 14,206 (66 ) 2,965 (15 ) 17,171 (81 ) Asset-backed securities 50,466 (338 ) 2,826 (46 ) 53,292 (384 ) Corporate bonds 44,907 (528 ) — — 44,907 (528 ) Obligations of states & political subdivisions 70,021 (1,043 ) 6,023 (146 ) 76,044 (1,189 ) Total temporarily impaired securities 225,035 (2,984 ) 21,647 (340 ) 246,682 (3,324 ) In the debt security portfolio there were 289 positions that were carrying unrealized losses as of March 31, 2022. There were no instruments considered to be other-than-temporarily impaired at March 31, 2022.

Equity Securities

Equity Securities	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ March 31, 2022 CRA-qualified mutual funds 7,258 — — 7,258 Bank stocks 1,623 120 ( 7 ) 1,736 Total equity securities 8,881 120 ( 7 ) 8,994 Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2021 CRA-qualified mutual funds 7,240 — — 7,240 Bank stocks 1,570 184 (12 ) 1,742 Total equity securities 8,810 184 (12 ) 8,982 The following table presents the net gains and losses on the Corporation’s equity investments recognized in earnings during the three months ended March 31, 2022 and 2021, and the portion of unrealized gains and losses for the period that relates to equity investments held as of March 31, 2022 and 2021. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Three Months Ended March 31, 2022 2021 $ $ Net (losses) gains recognized in equity securities during the period ( 8 ) 248 Less: Net gains realized on the sale of equity securities during the period 51 95 Unrealized gains (losses) recognized in equity securities held at reporting date ( 59 ) 153

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022, and December 31, 2021: LOAN PORTFOLIO (DOLLARS IN THOUSANDS) March 31, December 31, 2022 2021 $ $ Commercial real estate Commercial mortgages 180,792 177,396 Agriculture mortgages 200,406 203,725 Construction 56,934 19,639 Total commercial real estate 438,132 400,760 Consumer real estate (a) 1-4 family residential mortgages 303,409 317,037 Home equity loans 11,819 11,181 Home equity lines of credit 77,499 75,698 Total consumer real estate 392,727 403,916 Commercial and industrial Commercial and industrial 67,146 65,615 Tax-free loans 23,295 23,009 Agriculture loans 22,151 20,717 Total commercial and industrial 112,592 109,341 Consumer 5,141 5,132 Gross loans prior to deferred fees 948,592 919,149 Deferred loan costs, net 1,979 1,755 Allowance for credit losses ( 12,979 ) (12,931 ) Total net loans 937,592 907,973 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $304,290,000 and $289,263,000 as of March 31, 2022 and December 31, 2021, 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 March 31, 2022 and December 31, 2021. 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 March 31, 2022 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 177,935 187,837 50,429 57,449 23,295 21,698 518,643 Special Mention 521 4,537 6,505 6,380 — 71 18,014 Substandard 2,336 8,032 — 3,317 — 382 14,067 Doubtful — — — — — — — Loss — — — — — — — Total 180,792 200,406 56,934 67,146 23,295 22,151 550,724 Commercial Commercial Agriculture and Tax-free Agriculture December 31, 2021 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 172,540 192,943 13,544 57,214 23,009 19,980 479,230 Special Mention 2,443 2,542 6,095 4,657 — 90 15,827 Substandard 2,413 8,240 — 3,744 — 647 15,044 Doubtful — — — — — — — Loss — — — — — — — Total 177,396 203,725 19,639 65,615 23,009 20,717 510,101 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 March 31, 2022 and December 31, 2021 13 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity Residential Home Equity Lines of March 31, 2022 Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 303,372 11,447 77,460 5,132 397,411 Non-performing 37 372 38 9 456 Total 303,409 11,819 77,498 5,141 397,867 1-4 Family Home Equity Residential Home Equity Lines of December 31, 2021 Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 316,722 11,181 75,659 5,132 408,694 Non-performing 315 — 39 — 354 Total 317,037 11,181 75,698 5,132 409,048 The following tables present an age analysis of the Corporation’s past due loans, segregated by loan portfolio class, as of March 31, 2022 and December 31, 2021: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Receivable > 30-59 Days 60-89 Days Greater than 90 Total Past Total Loans 90 Days and March 31, 2022 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — — 171 171 180,621 180,792 — Agriculture mortgages — — 2,744 2,744 197,662 200,406 — Construction — — — — 56,934 56,934 — Consumer real estate 1-4 family residential mortgages 1,050 283 37 1,370 302,039 303,409 — Home equity loans 18 — 372 390 11,429 11,819 — Home equity lines of credit 8 17 38 63 77,436 77,499 38 Commercial and industrial Commercial and industrial 3 32 249 284 66,862 67,146 39 Tax-free loans — — — — 23,295 23,295 — Agriculture loans — — 19 19 22,132 22,151 — Consumer — 1 9 10 5,131 5,141 9 Total 1,079 333 3,639 5,051 943,541 948,592 86 14 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Receivable > 30-59 Days 60-89 Days Greater than 90 Total Past Total Loans 90 Days and December 31, 2020 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages 22 — 184 206 177,190 177,396 — Agriculture mortgages 232 — 1,838 2,070 201,655 203,725 — Construction — — — — 19,639 19,639 — Consumer real estate 1-4 family residential mortgages 1,464 68 315 1,847 315,190 317,037 276 Home equity loans 19 — — 19 11,162 11,181 — Home equity lines of credit — — 39 39 75,659 75,698 39 Commercial and industrial Commercial and industrial 43 — 395 438 65,177 65,615 10 Tax-free loans — — — — 23,009 23,009 — Agriculture loans — 9 110 119 20,598 20,717 — Consumer 22 — — 22 5,110 5,132 — Total 1,802 77 2,881 4,760 914,389 919,149 325 The following table presents nonaccrual loans by classes of the loan portfolio as of March 31, 2022 and December 31, 2021: NONACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) March 31, December 31, 2022 2021 $ $ Commercial real estate Commercial mortgages 171 184 Agriculture mortgages 2,744 1,838 Construction — — Consumer real estate 1-4 family residential mortgages 37 39 Home equity loans 372 — Home equity lines of credit — — Commercial and industrial Commercial and industrial 210 385 Tax-free loans — — Agriculture loans 19 110 Consumer — — Total 3,553 2,556 As of March 31, 2022 and December 31, 2021, all of the Corporation’s commercial loans on nonaccrual status were also considered impaired. Information with respect to impaired loans for the three months ended March 31, 2022 and March 31, 2021, is as follows: IMPAIRED LOANS (DOLLARS IN THOUSANDS) Three Months Ended March 31, 2022 2021 $ $ Average recorded balance of impaired loans 2,878 5,739 Interest income recognized on impaired loans 8 66 15 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements No loan modifications were made during the first three months of 2021 or 2022 that would be considered a troubled debt restructuring (TDR). A modification of the payment terms to a loan customer are considered a TDR if a concession was made to a borrower that is experiencing financial difficulty. A concession is generally defined as more favorable payment or credit terms granted to a borrower in an effort to improve the likelihood of the lender collecting principal in its entirety. Concessions usually are in the form of interest only for a period of time, or a lower interest rate offered in an effort to enable the borrower to continue to make normally scheduled payments. 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 loan was $483,000 as of March 31, 2022. This TDR is not non-accrual. The following tables summarize information regarding impaired loans by loan portfolio class as of March 31, 2022 and December 31, 2021: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Unpaid Recorded Principal Related March 31, 2022 Investment Balance Allowance $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 579 619 — Agriculture mortgages 2,690 2,720 — Construction — — — Total commercial real estate 3,269 3,339 — Commercial and industrial Commercial and industrial — — — Tax-free loans — — — Agriculture loans — — — Total commercial and industrial — — — Total with no related allowance 3,269 3,339 — With an allowance recorded: Commercial real estate Commercial mortgages — — — Agriculture mortgages 537 550 23 Construction — — — Total commercial real estate 537 550 23 Commercial and industrial Commercial and industrial 210 210 209 Tax-free loans — — — Agriculture loans 19 20 19 Total commercial and industrial 229 230 228 Total with a related allowance 766 780 251 Total by loan class: Commercial real estate Commercial mortgages 579 619 — Agriculture mortgages 3,227 3,270 23 Construction — — — Total commercial real estate 3,806 3,889 23 Commercial and industrial Commercial and industrial 210 210 209 Tax-free loans — — — Agriculture loans 19 20 19 Total commercial and industrial 229 230 228 Total 4,035 4,119 251 16 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Unpaid Recorded Principal Related December 31, 2021 Investment Balance Allowance $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 223 263 — Agriculture mortgages 2,055 2,066 — Construction — — — Total commercial real estate 2,278 2,329 — Commercial and industrial Commercial and industrial 385 438 — Tax-free loans — — — Agriculture loans — — — Total commercial and industrial 385 438 — Total with no related allowance 2,663 2,767 — With an allowance recorded: Commercial real estate Commercial mortgages — — — Agriculture mortgages 551 559 37 Construction — — — Total commercial real estate 551 559 37 Commercial and industrial Commercial and industrial — — — Tax-free loans — — — Agriculture loans 110 111 110 Total commercial and industrial 110 111 110 Total with a related allowance 661 670 147 Total by loan class: Commercial real estate Commercial mortgages 223 263 — Agriculture mortgages 2,606 2,625 37 Construction — — — Total commercial real estate 2,829 2,888 37 Commercial and industrial Commercial and industrial 385 438 — Tax-free loans — — — Agriculture loans 110 111 110 Total commercial and industrial 495 549 110 Total 3,324 3,437 147 17 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 months ended March 31, 2022: 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, 2021 6,263 3,834 2,112 87 635 12,931 Charge-offs ( 65 ) — — ( 1 ) — (66 ) Recoveries — 3 10 1 — 14 Provision ( 90 ) 41 193 ( 16 ) ( 28 ) 100 Balance - March 31, 2022 6,108 3,878 2,315 71 607 12,979 During the three months ended March 31, 2022, management charged off $66,000 in loans while recovering $14,000 and added $100,000 to the provision. The unallocated portion of the allowance decreased from 4.9% of total reserves as of December 31, 2021, to 4.7% as of March 31, 2022. 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 three months ended March 31, 2022, net provision expense was recorded for the consumer real estate and commercial and industrial sectors while the commercial real estate and consumer sectors recorded a credit in provision. All of these amounts were minimal as total provision expense for the first quarter of 2022 was only $100,000 due to improved economic conditions as well as lower levels of classified loans. 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 following table details activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 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 During the three months ended March 31, 2021, management charged off $14,000 in loans while recovering $2,000 and added $375,000 to the provision. The unallocated portion of the allowance increased from 4.3% of total reserves as of December 31, 2020, to 6.0% as of March 31, 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%. 18 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements During the three months ended March 31, 2021, net provision expense was recorded for the commercial real estate sector as well as the consumer sector with credit provisions recorded for the consumer real estate and commercial and industrial sectors. The higher provision in the commercial real estate sector was due to growth in this portfolio of loans since December 31, 2020, as well as an increase in the qualitative factor related to the trends in the nature and volume of this sector. There were minimal charge-offs and recoveries recorded during the three months ended March 31, 2021, so the provision expense was primarily related to an increase in loan balances as well as slightly higher unallocated portion of the allowance. 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 March 31, 2022 and December 31, 2021: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Consumer Commercial As of March 31, 2022: Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment 23 — 228 — — 251 Ending balance: collectively evaluated for impairment 6,085 3,878 2,087 71 607 12,728 Loans receivable: Ending balance 438,132 392,727 112,592 5,141 948,592 Ending balance: individually evaluated for impairment 3,806 — 229 — 4,035 Ending balance: collectively evaluated for impairment 434,326 392,727 112,363 5,141 944,557 Commercial Consumer Commercial As of December 31, 2021: Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment 37 — 110 — — 147 Ending balance: collectively evaluated for impairment 6,226 3,834 2,002 87 635 12,784 Loans receivable: Ending balance 400,760 403,916 109,341 5,132 919,149 Ending balance: individually evaluated for impairment 2,829 — 495 — 3,324 Ending balance: collectively evaluated for impairment 397,931 403,916 108,846 5,132 915,825

Fair Value Presentation

Fair Value Presentation	3 Months Ended
	Mar. 31, 2022
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. 19 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements 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. 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 March 31, 2022, and December 31, 2021, 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) March 31, 2022 Level I Level II Level III Total $ $ $ $ U.S. treasuries — 34,291 — 34,291 U.S. government agencies — 25,891 — 25,891 U.S. agency mortgage-backed securities — 54,077 — 54,077 U.S. agency collateralized mortgage obligations — 34,448 — 34,448 Non-agency MBS/CMO — 23,032 — 23,032 Asset-backed securities — 90,793 — 90,793 Corporate bonds — 78,785 — 78,785 Obligations of states & political subdivisions — 248,176 — 248,176 Equity securities 8,994 — — 8,994 Total securities 8,994 589,493 — 598,487 On March 31, 2022, 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 March 31, 2022, the CRA fund investments had a $7,258,000 book and fair market value and the bank stock portfolio had a book value of $1,623,000, and fair market value of $1,736,000. 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. 20 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, 2021 Level I Level II Level III Total $ $ $ $ U.S. Treasuries — 14,813 — 14,813 U.S. government agencies — 29,021 — 29,021 U.S. agency mortgage-backed securities — 51,988 — 51,988 U.S. agency collateralized mortgage obligations — 31,077 — 31,077 Asset-backed securities — 101,219 — 101,219 Corporate bonds — 82,509 — 82,509 Obligations of states & political subdivisions — 247,466 — 247,466 Equity securities 8,982 — — 8,982 Total securities 8,982 558,093 — 567,075 On December 31, 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 December 31, 2021, the CRA fund investments had a $7,240,000 book and market value and the bank stocks had a book value of $1,570,000 and a market value of $1,742,000. 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 March 31, 2022 and December 31, 2021, by level within the fair value hierarchy: ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) March 31, 2022 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ — $ — $ 3,784 $ 3,784 Total $ — $ — $ 3,784 $ 3,784 December 31, 2021 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ — $ — $ 3,177 $ 3,177 Total $ — $ — $ 3,177 $ 3,177 The Corporation had a total of $4,035,000 of impaired loans as of March 31, 2022, with $251,000 of specific allocation against these loans and $3,324,000 of impaired loans as of December 31, 2021, with $147,000 of specific allocation against these loans. The value of impaired loans is generally determined through independent appraisals of the underlying collateral. 21 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) March 31, 2022 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 3,784 Appraisal of collateral (1) Appraisal adjustments (2) - 20 % (- 20 %) Liquidation expenses (2) - 10 % (- 10 %) December 31, 2021 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 3,177 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20%) (-20%) Liquidation expenses (2) 0% to -10% (-10%) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally 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. 22 Table of Contents 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 March 31, 2022 and December 31, 2021: FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) March 31, 2022 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 79,154 79,154 79,154 — — Regulatory stock 5,406 5,406 5,406 — — Loans held for sale 2,223 2,223 2,223 — — Loans, net of allowance 937,592 933,932 — — 933,932 Mortgage servicing assets 1,958 2,737 — — 2,737 Accrued interest receivable 5,694 5,694 5,694 — — Bank owned life insurance 35,574 35,574 35,574 — — Financial Liabilities: Demand deposits 675,519 675,519 675,519 — — Interest-bearing demand deposits 66,083 66,083 66,083 — — NOW accounts 134,018 134,018 134,018 — — Money market deposit accounts 164,893 164,893 164,893 — — Savings accounts 363,300 363,300 363,300 — — Time deposits 114,144 112,113 — — 112,113 Total deposits 1,517,957 1,515,926 1,403,813 — 112,113 Long-term debt 44,206 44,042 — — 44,042 Subordinated debt 19,700 18,675 — — 18,675 Accrued interest payable 444 444 444 — — FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 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 158,449 158,449 158,449 — — Regulatory stock 5,380 5,380 5,380 — — Loans held for sale 3,194 3,194 3,194 — — Loans, net of allowance 907,973 914,251 — — 914,251 Mortgage servicing assets 1,768 2,129 — — 2,129 Accrued interest receivable 5,152 5,152 5,152 — — Bank owned life insurance 35,414 35,414 35,414 — — Financial Liabilities: Demand deposits 686,278 686,278 686,278 — — Interest-bearing demand deposits 63,015 63,015 63,015 — — NOW accounts 139,366 139,366 139,366 — — Money market deposit accounts 168,327 168,327 168,327 — — Savings accounts 341,291 341,291 341,291 — — Time deposits 113,936 113,919 — — 113,919 Total deposits 1,512,213 1,512,196 1,398,277 — 113,919 Long-term debt 44,206 43,060 — — 43,060 Subordinated debt 19,680 19,088 — — 19,680 Accrued interest payable 255 255 255 — —

Commitments and Contingent Liab

Commitments and Contingent Liabilities	3 Months Ended
	Mar. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	6. 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 March 31, 2022, firm loan commitments were $100.5 million, unused lines of credit were $390.9 million, and open letters of credit were $12.1 million. The total of these commitments was $503.5 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)	3 Months Ended
	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss)	7. Accumulated Other Comprehensive Income (Loss) The activity in accumulated other comprehensive income (loss) for the three months ended March 31, 2022 and 2021 is as follows: ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (1) (2) (DOLLARS IN THOUSANDS) Unrealized Gains (Losses) on Securities Available-for-Sale $ Balance at December 31, 2021 3,441 Other comprehensive loss before reclassifications ( 23,629 ) Amount reclassified from accumulated other comprehensive income (loss) ( 110 ) Period change ( 23,739 ) Balance at March 31, 2022 ( 20,298 ) Balance at December 31, 2020 7,958 Other comprehensive loss before reclassifications (4,965 ) Amount reclassified from accumulated other comprehensive income (loss) (69 ) Period change (5,034 ) Balance at March 31, 2021 2,924 (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. 24 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 March 31, 2022 2021 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains, reclassified into earnings 139 87 Gains on the sale of debt securities, net Related income tax expense ( 29 ) (18 ) Provision for federal income taxes Net effect on accumulated other comprehensive income (loss) for the period 110 69 (1) Amounts in parentheses indicate debits.

Recently Issued Accounting Stan

Recently Issued Accounting Standards	3 Months Ended
	Mar. 31, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]
Recently Issued Accounting Standards	8. 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 In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses (Topic 326) 25 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements 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 26 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848) In March 2022, the FASB issued ASU 2022-01 , Derivatives and Hedging (ASC 815): Fair Value Hedging - Portfolio Layer Method In March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (ASC 326): Troubled Debt Restructurings (TDRs) and Vintage Disclosures

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2022
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”). Ephrata National Bank has one wholly-owned subsidiary, ENB Insurance, LLC which is consolidated into its financial statements. This Form 10-Q, for the first quarter of 2022, is reporting on the results of operations and financial condition of ENB Financial Corp on a consolidated basis. Operating results for the three months ended March 31, 2022, are not necessarily indicative of the results that may be expected for the year ending December 31, 2022. 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, 2021.
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)	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022, and December 31, 2021, are as follows: Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ March 31, 2022 U.S. treasuries 35,683 — ( 1,392 ) 34,291 U.S. government agencies 27,609 2 ( 1,720 ) 25,891 U.S. agency mortgage-backed securities 56,150 50 ( 2,123 ) 54,077 U.S. agency collateralized mortgage obligations 35,640 15 ( 1,207 ) 34,448 Non-agency MBS/CMO 23,307 — ( 275 ) 23,032 Asset-backed securities 91,795 96 ( 1,098 ) 90,793 Corporate bonds 81,973 56 ( 3,244 ) 78,785 Obligations of states and political subdivisions 263,028 698 ( 15,550 ) 248,176 Total securities available for sale 615,185 917 ( 26,609 ) 589,493 December 31, 2021 U.S. Treasuries 14,821 14 (22 ) 14,813 U.S. government agencies 29,613 50 (642 ) 29,021 U.S. agency mortgage-backed securities 51,964 502 (478 ) 51,988 U.S. agency collateralized mortgage obligations 30,917 241 (81 ) 31,077 Asset-backed securities 100,998 605 (384 ) 101,219 Corporate bonds 82,617 420 (528 ) 82,509 Obligations of states and political subdivisions 242,807 5,848 (1,189 ) 247,466 Total securities available for sale 553,737 7,680 (3,324 ) 558,093
Schedule of contractual maturity of debt securities	The amortized cost and fair value of securities available for sale at March 31, 2022, 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 29,664 29,220 Due after one year through five years 127,954 124,750 Due after five years through ten years 151,046 143,953 Due after ten years 306,521 291,570 Total debt securities 615,185 589,493
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 March 31, 2022 2021 $ $ Proceeds from sales 8,575 50,341 Gross realized gains 139 141 Gross realized losses — (54 )
Schedule of securities in an unrealized loss position (temporary impairment)	Information pertaining to securities with gross unrealized losses at March 31, 2022, and December 31, 2021, 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 March 31, 2022 U.S. Treasuries 34,291 ( 1,392 ) — — 34,291 ( 1,392 ) U.S. government agencies 2,001 ( 9 ) 22,689 ( 1,711 ) 24,690 ( 1,720 ) U.S. agency mortgage-backed securities 32,444 ( 1,122 ) 12,274 ( 1,001 ) 44,718 ( 2,123 ) U.S. agency collateralized mortgage obligations 28,325 ( 1,193 ) 2,884 ( 14 ) 31,209 ( 1,207 ) Non-Agency MBS/CMO 9,275 ( 275 ) — — 9,275 ( 275 ) Asset-backed securities 73,552 ( 1,005 ) 5,973 ( 93 ) 79,525 ( 1,098 ) Corporate bonds 54,102 ( 3,244 ) — — 54,102 ( 3,244 ) Obligations of states & political subdivisions 188,073 ( 14,222 ) 9,645 ( 1,328 ) 197,718 ( 15,550 ) Total temporarily impaired securities 422,063 ( 22,462 ) 53,465 ( 4,147 ) 475,528 ( 26,609 ) As of December 31, 2021 U.S. Treasuries 4,959 (22 ) — — 4,959 (22 ) U.S. government agencies 16,386 (519 ) 7,375 (123 ) 23,761 (642 ) U.S. agency mortgage-backed securities 24,090 (468 ) 2,458 (10 ) 26,548 (478 ) U.S. agency collateralized mortgage obligations 14,206 (66 ) 2,965 (15 ) 17,171 (81 ) Asset-backed securities 50,466 (338 ) 2,826 (46 ) 53,292 (384 ) Corporate bonds 44,907 (528 ) — — 44,907 (528 ) Obligations of states & political subdivisions 70,021 (1,043 ) 6,023 (146 ) 76,044 (1,189 ) Total temporarily impaired securities 225,035 (2,984 ) 21,647 (340 ) 246,682 (3,324 )

Equity Securities (Tables)

Equity Securities (Tables)	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ March 31, 2022 CRA-qualified mutual funds 7,258 — — 7,258 Bank stocks 1,623 120 ( 7 ) 1,736 Total equity securities 8,881 120 ( 7 ) 8,994 Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2021 CRA-qualified mutual funds 7,240 — — 7,240 Bank stocks 1,570 184 (12 ) 1,742 Total equity securities 8,810 184 (12 ) 8,982
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 months ended March 31, 2022 and 2021, and the portion of unrealized gains and losses for the period that relates to equity investments held as of March 31, 2022 and 2021. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Three Months Ended March 31, 2022 2021 $ $ Net (losses) gains recognized in equity securities during the period ( 8 ) 248 Less: Net gains realized on the sale of equity securities during the period 51 95 Unrealized gains (losses) recognized in equity securities held at reporting date ( 59 ) 153

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
Schedule of loan portfolio by category	The following table presents the Corporation’s loan portfolio by category of loans as of March 31, 2022, and December 31, 2021: LOAN PORTFOLIO (DOLLARS IN THOUSANDS) March 31, December 31, 2022 2021 $ $ Commercial real estate Commercial mortgages 180,792 177,396 Agriculture mortgages 200,406 203,725 Construction 56,934 19,639 Total commercial real estate 438,132 400,760 Consumer real estate (a) 1-4 family residential mortgages 303,409 317,037 Home equity loans 11,819 11,181 Home equity lines of credit 77,499 75,698 Total consumer real estate 392,727 403,916 Commercial and industrial Commercial and industrial 67,146 65,615 Tax-free loans 23,295 23,009 Agriculture loans 22,151 20,717 Total commercial and industrial 112,592 109,341 Consumer 5,141 5,132 Gross loans prior to deferred fees 948,592 919,149 Deferred loan costs, net 1,979 1,755 Allowance for credit losses ( 12,979 ) (12,931 ) Total net loans 937,592 907,973 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $304,290,000 and $289,263,000 as of March 31, 2022 and December 31, 2021, respectively.
Schedule of commercial and consumer credit exposure	Commercial Commercial Agriculture and Tax-free Agriculture March 31, 2022 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 177,935 187,837 50,429 57,449 23,295 21,698 518,643 Special Mention 521 4,537 6,505 6,380 — 71 18,014 Substandard 2,336 8,032 — 3,317 — 382 14,067 Doubtful — — — — — — — Loss — — — — — — — Total 180,792 200,406 56,934 67,146 23,295 22,151 550,724 Commercial Commercial Agriculture and Tax-free Agriculture December 31, 2021 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 172,540 192,943 13,544 57,214 23,009 19,980 479,230 Special Mention 2,443 2,542 6,095 4,657 — 90 15,827 Substandard 2,413 8,240 — 3,744 — 647 15,044 Doubtful — — — — — — — Loss — — — — — — — Total 177,396 203,725 19,639 65,615 23,009 20,717 510,101 1-4 Family Home Equity Residential Home Equity Lines of March 31, 2022 Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 303,372 11,447 77,460 5,132 397,411 Non-performing 37 372 38 9 456 Total 303,409 11,819 77,498 5,141 397,867 1-4 Family Home Equity Residential Home Equity Lines of December 31, 2021 Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 316,722 11,181 75,659 5,132 408,694 Non-performing 315 — 39 — 354 Total 317,037 11,181 75,698 5,132 409,048
Schedule of aging of loans receivable	Loans Receivable > 30-59 Days 60-89 Days Greater than 90 Total Past Total Loans 90 Days and March 31, 2022 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — — 171 171 180,621 180,792 — Agriculture mortgages — — 2,744 2,744 197,662 200,406 — Construction — — — — 56,934 56,934 — Consumer real estate 1-4 family residential mortgages 1,050 283 37 1,370 302,039 303,409 — Home equity loans 18 — 372 390 11,429 11,819 — Home equity lines of credit 8 17 38 63 77,436 77,499 38 Commercial and industrial Commercial and industrial 3 32 249 284 66,862 67,146 39 Tax-free loans — — — — 23,295 23,295 — Agriculture loans — — 19 19 22,132 22,151 — Consumer — 1 9 10 5,131 5,141 9 Total 1,079 333 3,639 5,051 943,541 948,592 86 Loans Receivable > 30-59 Days 60-89 Days Greater than 90 Total Past Total Loans 90 Days and December 31, 2020 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages 22 — 184 206 177,190 177,396 — Agriculture mortgages 232 — 1,838 2,070 201,655 203,725 — Construction — — — — 19,639 19,639 — Consumer real estate 1-4 family residential mortgages 1,464 68 315 1,847 315,190 317,037 276 Home equity loans 19 — — 19 11,162 11,181 — Home equity lines of credit — — 39 39 75,659 75,698 39 Commercial and industrial Commercial and industrial 43 — 395 438 65,177 65,615 10 Tax-free loans — — — — 23,009 23,009 — Agriculture loans — 9 110 119 20,598 20,717 — Consumer 22 — — 22 5,110 5,132 — Total 1,802 77 2,881 4,760 914,389 919,149 325
Schedule of nonaccrual loans by class	March 31, December 31, 2022 2021 $ $ Commercial real estate Commercial mortgages 171 184 Agriculture mortgages 2,744 1,838 Construction — — Consumer real estate 1-4 family residential mortgages 37 39 Home equity loans 372 — Home equity lines of credit — — Commercial and industrial Commercial and industrial 210 385 Tax-free loans — — Agriculture loans 19 110 Consumer — — Total 3,553 2,556
Schedule of impaired loans	As of March 31, 2022 and December 31, 2021, all of the Corporation’s commercial loans on nonaccrual status were also considered impaired. Information with respect to impaired loans for the three months ended March 31, 2022 and March 31, 2021, is as follows: IMPAIRED LOANS (DOLLARS IN THOUSANDS) Three Months Ended March 31, 2022 2021 $ $ Average recorded balance of impaired loans 2,878 5,739 Interest income recognized on impaired loans 8 66 IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Unpaid Recorded Principal Related March 31, 2022 Investment Balance Allowance $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 579 619 — Agriculture mortgages 2,690 2,720 — Construction — — — Total commercial real estate 3,269 3,339 — Commercial and industrial Commercial and industrial — — — Tax-free loans — — — Agriculture loans — — — Total commercial and industrial — — — Total with no related allowance 3,269 3,339 — With an allowance recorded: Commercial real estate Commercial mortgages — — — Agriculture mortgages 537 550 23 Construction — — — Total commercial real estate 537 550 23 Commercial and industrial Commercial and industrial 210 210 209 Tax-free loans — — — Agriculture loans 19 20 19 Total commercial and industrial 229 230 228 Total with a related allowance 766 780 251 Total by loan class: Commercial real estate Commercial mortgages 579 619 — Agriculture mortgages 3,227 3,270 23 Construction — — — Total commercial real estate 3,806 3,889 23 Commercial and industrial Commercial and industrial 210 210 209 Tax-free loans — — — Agriculture loans 19 20 19 Total commercial and industrial 229 230 228 Total 4,035 4,119 251 16 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Unpaid Recorded Principal Related December 31, 2021 Investment Balance Allowance $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 223 263 — Agriculture mortgages 2,055 2,066 — Construction — — — Total commercial real estate 2,278 2,329 — Commercial and industrial Commercial and industrial 385 438 — Tax-free loans — — — Agriculture loans — — — Total commercial and industrial 385 438 — Total with no related allowance 2,663 2,767 — With an allowance recorded: Commercial real estate Commercial mortgages — — — Agriculture mortgages 551 559 37 Construction — — — Total commercial real estate 551 559 37 Commercial and industrial Commercial and industrial — — — Tax-free loans — — — Agriculture loans 110 111 110 Total commercial and industrial 110 111 110 Total with a related allowance 661 670 147 Total by loan class: Commercial real estate Commercial mortgages 223 263 — Agriculture mortgages 2,606 2,625 37 Construction — — — Total commercial real estate 2,829 2,888 37 Commercial and industrial Commercial and industrial 385 438 — Tax-free loans — — — Agriculture loans 110 111 110 Total commercial and industrial 495 549 110 Total 3,324 3,437 147
Schedule of allowance for credit losses	The following table details activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2022: 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, 2021 6,263 3,834 2,112 87 635 12,931 Charge-offs ( 65 ) — — ( 1 ) — (66 ) Recoveries — 3 10 1 — 14 Provision ( 90 ) 41 193 ( 16 ) ( 28 ) 100 Balance - March 31, 2022 6,108 3,878 2,315 71 607 12,979 The following table details activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 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 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 March 31, 2022 and December 31, 2021: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Consumer Commercial As of March 31, 2022: Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment 23 — 228 — — 251 Ending balance: collectively evaluated for impairment 6,085 3,878 2,087 71 607 12,728 Loans receivable: Ending balance 438,132 392,727 112,592 5,141 948,592 Ending balance: individually evaluated for impairment 3,806 — 229 — 4,035 Ending balance: collectively evaluated for impairment 434,326 392,727 112,363 5,141 944,557 Commercial Consumer Commercial As of December 31, 2021: Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment 37 — 110 — — 147 Ending balance: collectively evaluated for impairment 6,226 3,834 2,002 87 635 12,784 Loans receivable: Ending balance 400,760 403,916 109,341 5,132 919,149 Ending balance: individually evaluated for impairment 2,829 — 495 — 3,324 Ending balance: collectively evaluated for impairment 397,931 403,916 108,846 5,132 915,825

Fair Value Presentation (Tables

Fair Value Presentation (Tables)	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Schedule of assets measured on a recurring basis	March 31, 2022 Level I Level II Level III Total $ $ $ $ U.S. treasuries — 34,291 — 34,291 U.S. government agencies — 25,891 — 25,891 U.S. agency mortgage-backed securities — 54,077 — 54,077 U.S. agency collateralized mortgage obligations — 34,448 — 34,448 Non-agency MBS/CMO — 23,032 — 23,032 Asset-backed securities — 90,793 — 90,793 Corporate bonds — 78,785 — 78,785 Obligations of states & political subdivisions — 248,176 — 248,176 Equity securities 8,994 — — 8,994 Total securities 8,994 589,493 — 598,487 December 31, 2021 Level I Level II Level III Total $ $ $ $ U.S. Treasuries — 14,813 — 14,813 U.S. government agencies — 29,021 — 29,021 U.S. agency mortgage-backed securities — 51,988 — 51,988 U.S. agency collateralized mortgage obligations — 31,077 — 31,077 Asset-backed securities — 101,219 — 101,219 Corporate bonds — 82,509 — 82,509 Obligations of states & political subdivisions — 247,466 — 247,466 Equity securities 8,982 — — 8,982 Total securities 8,982 558,093 — 567,075
Schedule of assets measured on a nonrecurring basis	March 31, 2022 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ — $ — $ 3,784 $ 3,784 Total $ — $ — $ 3,784 $ 3,784 December 31, 2021 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ — $ — $ 3,177 $ 3,177 Total $ — $ — $ 3,177 $ 3,177
Schedule of Level III inputs	March 31, 2022 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 3,784 Appraisal of collateral (1) Appraisal adjustments (2) - 20 % (- 20 %) Liquidation expenses (2) - 10 % (- 10 %) December 31, 2021 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 3,177 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20%) (-20%) Liquidation expenses (2) 0% to -10% (-10%)
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 March 31, 2022 and December 31, 2021: FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) March 31, 2022 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 79,154 79,154 79,154 — — Regulatory stock 5,406 5,406 5,406 — — Loans held for sale 2,223 2,223 2,223 — — Loans, net of allowance 937,592 933,932 — — 933,932 Mortgage servicing assets 1,958 2,737 — — 2,737 Accrued interest receivable 5,694 5,694 5,694 — — Bank owned life insurance 35,574 35,574 35,574 — — Financial Liabilities: Demand deposits 675,519 675,519 675,519 — — Interest-bearing demand deposits 66,083 66,083 66,083 — — NOW accounts 134,018 134,018 134,018 — — Money market deposit accounts 164,893 164,893 164,893 — — Savings accounts 363,300 363,300 363,300 — — Time deposits 114,144 112,113 — — 112,113 Total deposits 1,517,957 1,515,926 1,403,813 — 112,113 Long-term debt 44,206 44,042 — — 44,042 Subordinated debt 19,700 18,675 — — 18,675 Accrued interest payable 444 444 444 — — FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 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 158,449 158,449 158,449 — — Regulatory stock 5,380 5,380 5,380 — — Loans held for sale 3,194 3,194 3,194 — — Loans, net of allowance 907,973 914,251 — — 914,251 Mortgage servicing assets 1,768 2,129 — — 2,129 Accrued interest receivable 5,152 5,152 5,152 — — Bank owned life insurance 35,414 35,414 35,414 — — Financial Liabilities: Demand deposits 686,278 686,278 686,278 — — Interest-bearing demand deposits 63,015 63,015 63,015 — — NOW accounts 139,366 139,366 139,366 — — Money market deposit accounts 168,327 168,327 168,327 — — Savings accounts 341,291 341,291 341,291 — — Time deposits 113,936 113,919 — — 113,919 Total deposits 1,512,213 1,512,196 1,398,277 — 113,919 Long-term debt 44,206 43,060 — — 43,060 Subordinated debt 19,680 19,088 — — 19,680 Accrued interest payable 255 255 255 — —

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of accumulated other comprehensive loss	ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (1) (2) (DOLLARS IN THOUSANDS) Unrealized Gains (Losses) on Securities Available-for-Sale $ Balance at December 31, 2021 3,441 Other comprehensive loss before reclassifications ( 23,629 ) Amount reclassified from accumulated other comprehensive income (loss) ( 110 ) Period change ( 23,739 ) Balance at March 31, 2022 ( 20,298 ) Balance at December 31, 2020 7,958 Other comprehensive loss before reclassifications (4,965 ) Amount reclassified from accumulated other comprehensive income (loss) (69 ) Period change (5,034 ) Balance at March 31, 2021 2,924 (1) All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 21%. (2) Amounts in parentheses indicate debits. DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Three Months Ended March 31, 2022 2021 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains, reclassified into earnings 139 87 Gains on the sale of debt securities, net Related income tax expense ( 29 ) (18 ) Provision for federal income taxes Net effect on accumulated other comprehensive income (loss) for the period 110 69 (1) Amounts in parentheses indicate debits.

Securities Available for Sale_2

Securities Available for Sale (Narrative) (Details) $ in Thousands	Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)
Investments, Debt and Equity Securities [Abstract]
Available for sale debt securities pledged or restricted for public funds, par value	$ 88,591	$ 94,283
Available for sale debt securities pledged or restricted for public funds, fair value	$ 86,576	$ 96,521
Number of securities considered temporarily impaired	0	0

Securities Available for Sale_3

Securities Available for Sale (Schedule of Amortized Cost and Fair Value of Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Securities Available For Sale
Amortized Cost	$ 615,185	$ 553,737
Gross Unrealized Gains	917	7,680
Gross Unrealized Losses	(26,609)	(3,324)
Fair Value	589,493	558,093	$ 531,600
U.S. treasuries [Member]
Securities Available For Sale
Amortized Cost	35,683	14,821
Gross Unrealized Gains		14
Gross Unrealized Losses	(1,392)	(22)
Fair Value	34,291	14,813
U.S. Government Agencies [Member]
Securities Available For Sale
Amortized Cost	27,609	29,613
Gross Unrealized Gains	2	50
Gross Unrealized Losses	(1,720)	(642)
Fair Value	25,891	29,021
U.S. Agency Mortgage-Backed Securities [Member]
Securities Available For Sale
Amortized Cost	56,150	51,964
Gross Unrealized Gains	50	502
Gross Unrealized Losses	(2,123)	(478)
Fair Value	54,077	51,988
U.S. Agency Collateralized Mortgage Obligations [Member]
Securities Available For Sale
Amortized Cost	35,640	30,917
Gross Unrealized Gains	15	241
Gross Unrealized Losses	(1,207)	(81)
Fair Value	34,448	31,077
Non Agency MBS/CMO [Member]
Securities Available For Sale
Amortized Cost	23,307
Gross Unrealized Gains
Gross Unrealized Losses	(275)
Fair Value	23,032
Asset-Backed Securities [Member]
Securities Available For Sale
Amortized Cost	91,795	100,998
Gross Unrealized Gains	96	605
Gross Unrealized Losses	(1,098)	(384)
Fair Value	90,793	101,219
Corporate Bonds [Member]
Securities Available For Sale
Amortized Cost	81,973	82,617
Gross Unrealized Gains	56	420
Gross Unrealized Losses	(3,244)	(528)
Fair Value	78,785	82,509
Obligations of States and Political Subdivisions [Member]
Securities Available For Sale
Amortized Cost	263,028	242,807
Gross Unrealized Gains	698	5,848
Gross Unrealized Losses	(15,550)	(1,189)
Fair Value	$ 248,176	$ 247,466

Securities Available for Sale_4

Securities Available for Sale (Schedule of Contractual Maturity of Debt Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Contractual maturity of debt securities, Amortized Cost
Due in one year or less	$ 29,664
Due after one year through five years	127,954
Due after five years through ten years	151,046
Due after ten years	306,521
Amortized Cost	615,185	$ 553,737
Contractual maturity of debt securities, Fair Value
Due in one year or less	29,220
Due after one year through five years	124,750
Due after five years through ten years	143,953
Due after ten years	291,570
Total debt securities	$ 589,493	$ 558,093	$ 531,600

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
	Mar. 31, 2022	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 8,575	$ 50,341
Gross realized gains	139	141
Gross realized losses		$ (54)

Securities Available for Sale_6

Securities Available for Sale (Schedule of Securities in an Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value
Less than 12 months	$ 422,063	$ 225,035
More than 12 months	53,465	21,647
Total	475,528	246,682
Gross Unrealized Losses
Less than 12 months	(22,462)	(2,984)
More than 12 months	(4,147)	(340)
Total	(26,609)	(3,324)
U.S. treasuries [Member]
Fair Value
Less than 12 months	34,291	4,959
More than 12 months
Total	34,291	4,959
Gross Unrealized Losses
Less than 12 months	(1,392)	(22)
More than 12 months
Total	(1,392)	(22)
U.S. Government Agencies [Member]
Fair Value
Less than 12 months	2,001	16,386
More than 12 months	22,689	7,375
Total	24,690	23,761
Gross Unrealized Losses
Less than 12 months	(9)	(519)
More than 12 months	(1,711)	(123)
Total	(1,720)	(642)
U.S. Agency Mortgage-Backed Securities [Member]
Fair Value
Less than 12 months	32,444	24,090
More than 12 months	12,274	2,458
Total	44,718	26,548
Gross Unrealized Losses
Less than 12 months	(1,122)	(468)
More than 12 months	(1,001)	(10)
Total	(2,123)	(478)
U.S. Agency Collateralized Mortgage Obligations [Member]
Fair Value
Less than 12 months	28,325	14,206
More than 12 months	2,884	2,965
Total	31,209	17,171
Gross Unrealized Losses
Less than 12 months	(1,193)	(66)
More than 12 months	(14)	(15)
Total	(1,207)	(81)
Non-agency MBS/CMO [Member]
Fair Value
Less than 12 months	9,275
More than 12 months
Total	9,275
Gross Unrealized Losses
Less than 12 months	(275)
More than 12 months
Total	(275)
Asset-backed Securities [Member]
Fair Value
Less than 12 months	73,552	50,466
More than 12 months	5,973	2,826
Total	79,525	53,292
Gross Unrealized Losses
Less than 12 months	(1,005)	(338)
More than 12 months	(93)	(46)
Total	(1,098)	(384)
Corporate Bonds [Member]
Fair Value
Less than 12 months	54,102	44,907
More than 12 months
Total	54,102	44,907
Gross Unrealized Losses
Less than 12 months	(3,244)	(528)
More than 12 months
Total	(3,244)	(528)
Obligations of States and Political Subdivisions [Member]
Fair Value
Less than 12 months	188,073	70,021
More than 12 months	9,645	6,023
Total	197,718	76,044
Gross Unrealized Losses
Less than 12 months	(14,222)	(1,043)
More than 12 months	(1,328)	(146)
Total	$ (15,550)	$ (1,189)

Equity Securities (Schedule of

Equity Securities (Schedule of Amortized Cost, Gross Unrealized gains, Losses, and Fair Value of Equity Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Net Investment Income [Line Items]
Amortized Cost	$ 615,185	$ 553,737
Gross Unrealized Gains	917	7,680
Gross Unrealized Losses	(26,609)	(3,324)
Fair Value	589,493	558,093	$ 531,600
CRA-qualified mutual funds [Member]
Net Investment Income [Line Items]
Amortized Cost	7,258	7,240
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value	7,258	7,240
Bank stocks [Member]
Net Investment Income [Line Items]
Amortized Cost	1,623	1,570
Gross Unrealized Gains	120	184
Gross Unrealized Losses	(7)	(12)
Fair Value	1,736	1,742
Equity Securities [Member]
Net Investment Income [Line Items]
Amortized Cost	8,881	8,810
Gross Unrealized Gains	120	184
Gross Unrealized Losses	(7)	(12)
Fair Value	$ 8,994	$ 8,982

Equity Securities (Schedule o_2

Equity Securities (Schedule of Unrealized Gains and Losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Marketable Securities [Abstract]
Net gains (losses) recognized in equity securities during the period	$ (8)	$ 248
Less: Net gains realized on the sale of equity securities during the period	51	95
Unrealized gains (losses) recognized in equity securities held at reporting date	$ (59)	$ 153

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Additional provision for loan losses	$ 100	$ 375
Recoveries of loan losses	14	2
Charge-offs	$ 66	$ 14
Unallocated portion of allowance, percentage	4.70%	6.00%	4.90%	4.30%
Provision for specific allocation	$ 100
Loans Serviced for Others [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate loans serviced for others	304,290		$ 289,263
Two Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDRs loan	$ 483

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses (Schedule of Loan Portfolio by Category) (Details) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Loan Portfolio
Gross loans prior to deferred fees		$ 948,592	$ 919,149
Less: Deferred loan costs, net		1,979	1,755
Allowance for credit losses		(12,979)	(12,931)	$ (12,690)	$ (12,327)
Total net loans		937,592	907,973	829,244
Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred fees		11,819	11,181
Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred fees		77,498	75,698
Commercial Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred fees		438,132	400,760
Allowance for credit losses		(6,108)	(6,263)	(6,502)	(6,329)
Commercial Real Estate [Member] | Mortgages [Member]
Loan Portfolio
Gross loans prior to deferred fees		180,792	177,396
Commercial Real Estate [Member] | Agricultural Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		200,406	203,725
Commercial Real Estate [Member] | Construction [Member]
Loan Portfolio
Gross loans prior to deferred fees		56,934	19,639
Consumer Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred fees		392,727	403,916
Allowance for credit losses		(3,878)	(3,834)	(3,408)	(3,449)
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	303,409	317,037
Consumer Real Estate [Member] | Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	11,819	11,181
Consumer Real Estate [Member] | Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	77,499	75,698
Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred fees		112,592	109,341
Commercial and Industrial [Member] | Agricultural Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		22,151	20,717
Commercial and Industrial [Member] | Commercial and Industrial Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		67,146	65,615
Commercial and Industrial [Member] | Tax-free loans [Member]
Loan Portfolio
Gross loans prior to deferred fees		23,295	23,009
Consumer Portfolio Segment [Member]
Loan Portfolio
Gross loans prior to deferred fees		5,141	5,132
Allowance for credit losses		$ (71)	$ (87)	$ (59)	$ (52)
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $304,290,000 and $289,263,000 as of March 31, 2022 and December 31, 2021, respectively.

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses (Schedule of Commercial and Consumer Credit Exposure) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Total	$ 550,724	$ 510,101
Construction [Member]
Total	56,934	19,639
Agricultural Mortgages [Member]
Total	200,406	203,725
Commercial and Industrial [Member]
Total	67,146	65,615
Tax-free Loans [Member]
Total	23,295	23,009
Agriculture Loans [Member]
Total	22,151	20,717
Commercial Mortgages [Member]
Total	180,792	177,396
Pass [Member]
Total	518,643	479,230
Pass [Member] | Construction [Member]
Total	50,429	13,544
Pass [Member] | Agricultural Mortgages [Member]
Total	187,837	192,943
Pass [Member] | Commercial and Industrial [Member]
Total	57,449	57,214
Pass [Member] | Tax-free Loans [Member]
Total	23,295	23,009
Pass [Member] | Agriculture Loans [Member]
Total	21,698	19,980
Pass [Member] | Commercial Mortgages [Member]
Total	177,935	172,540
Special Mention [Member]
Total	18,014	15,827
Special Mention [Member] | Construction [Member]
Total	6,505	6,095
Special Mention [Member] | Agricultural Mortgages [Member]
Total	4,537	2,542
Special Mention [Member] | Commercial and Industrial [Member]
Total	6,380	4,657
Special Mention [Member] | Tax-free Loans [Member]
Total
Special Mention [Member] | Agriculture Loans [Member]
Total	71	90
Special Mention [Member] | Commercial Mortgages [Member]
Total	521	2,443
Substandard [Member]
Total	14,067	15,044
Substandard [Member] | Construction [Member]
Total
Substandard [Member] | Agricultural Mortgages [Member]
Total	8,032	8,240
Substandard [Member] | Commercial and Industrial [Member]
Total	3,317	3,744
Substandard [Member] | Tax-free Loans [Member]
Total
Substandard [Member] | Agriculture Loans [Member]
Total	382	647
Substandard [Member] | Commercial Mortgages [Member]
Total	2,336	2,413
Doubtful [Member]
Total
Doubtful [Member] | Construction [Member]
Total
Doubtful [Member] | Agricultural Mortgages [Member]
Total
Doubtful [Member] | Commercial and Industrial [Member]
Total
Doubtful [Member] | Tax-free Loans [Member]
Total
Doubtful [Member] | Agriculture Loans [Member]
Total
Doubtful [Member] | Commercial Mortgages [Member]
Total
Loss [Member]
Total
Loss [Member] | Construction [Member]
Total
Loss [Member] | Agricultural Mortgages [Member]
Total
Loss [Member] | Commercial and Industrial [Member]
Total
Loss [Member] | Tax-free Loans [Member]
Total
Loss [Member] | Agriculture Loans [Member]
Total
Loss [Member] | Commercial Mortgages [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	Mar. 31, 2022	Dec. 31, 2021
Gross loans prior to deferred fees	$ 948,592	$ 919,149
Consumer Borrower [Member]
Gross loans prior to deferred fees	397,867	409,048
Home Equity Loan [Member]
Gross loans prior to deferred fees	11,819	11,181
Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	77,498	75,698
1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	303,409	317,037
Consumer [Member]
Gross loans prior to deferred fees	5,141	5,132
Performing [Member]
Gross loans prior to deferred fees	397,411	408,694
Performing [Member] | Home Equity Loan [Member]
Gross loans prior to deferred fees	11,447	11,181
Performing [Member] | Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	77,460	75,659
Performing [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	303,372	316,722
Performing [Member] | Consumer [Member]
Gross loans prior to deferred fees	5,132	5,132
Nonperforming [Member]
Gross loans prior to deferred fees	456	354
Nonperforming [Member] | Home Equity Loan [Member]
Gross loans prior to deferred fees	372
Nonperforming [Member] | Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	38	39
Nonperforming [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	37	315
Nonperforming [Member] | Consumer [Member]
Gross loans prior to deferred fees	$ 9

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses (Schedule of Aging of Loans Receivable) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 5,051	$ 4,760
Current	943,541	914,389
Total Loans Receivable	948,592	919,149
Loans Receivable - Greater than 90 Days and Accruing	86	325
30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,079	1,802
60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	333	77
Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	3,639	2,881
1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Loans Receivable	303,409	317,037
Commercial real estate [Member] | Commercial mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	171	206
Current	180,621	177,190
Total Loans Receivable	180,792	177,396
Loans Receivable - Greater than 90 Days and Accruing
Commercial real estate [Member] | Commercial mortgages [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		22
Commercial real estate [Member] | Commercial mortgages [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial real estate [Member] | Commercial mortgages [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	171	184
Commercial real estate [Member] | Agriculture mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,744	2,070
Current	197,662	201,655
Total Loans Receivable	200,406	203,725
Loans Receivable - Greater than 90 Days and Accruing
Commercial real estate [Member] | Agriculture mortgages [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		232
Commercial real estate [Member] | Agriculture mortgages [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Commercial real estate [Member] | Agriculture mortgages [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,744	1,838
Commercial real estate [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Current	56,934	19,639
Total Loans Receivable	56,934	19,639
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	1,370	1,847
Current	302,039	315,190
Total Loans Receivable	303,409	317,037
Loans Receivable - Greater than 90 Days and Accruing		276
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	1,050	1,464
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	283	68
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	37	315
Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	390	19
Current	11,429	11,162
Total Loans Receivable	11,819	11,181
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	18	19
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	372
Consumer Real Estate [Member] | Home equity lines of credit [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	63	39
Current	77,436	75,659
Total Loans Receivable	77,499	75,698
Loans Receivable - Greater than 90 Days and Accruing	38	39
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	8
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	17
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	38	39
Commercial and Industrial Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	284	438
Current	66,862	65,177
Total Loans Receivable	67,146	65,615
Loans Receivable - Greater than 90 Days and Accruing	39	10
Commercial and Industrial Sector [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	3	43
Commercial and Industrial Sector [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	32
Commercial and Industrial Sector [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	249	395
Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Current	23,295	23,009
Total Loans Receivable	23,295	23,009
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	19	119
Current	22,132	20,598
Total Loans Receivable	22,151	20,717
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
Commercial and Industrial Sector [Member] | Agriculture loans [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		9
Commercial and Industrial Sector [Member] | Agriculture loans [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	19	110
Consumer [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	10	22
Current	5,131	5,110
Total Loans Receivable	5,141	5,132
Loans Receivable - Greater than 90 Days and Accruing	9
Consumer [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		22
Consumer [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1
Consumer [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 9

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses (Schedule of Nonaccrual Loans by Class) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	$ 3,553	$ 2,556
Commercial real estate [Member] | Commercial mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	171	184
Commercial real estate [Member] | Agriculture mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	2,744	1,838
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	37	39
Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	372
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	210	385
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	19	110
Consumer [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses (Schedule of Corporation's commercial loans on nonaccrual) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Loans And Allowance For Credit Losses Schedule Of Corporations Commercial Loans On Nonaccrual
Average recorded balance of impaired loans	$ 2,878	$ 5,739
Interest income recognized on impaired loans	$ 8	$ 66

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses (Schedule of Impaired Loans by Loan Portfolio Class) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Loans with no related allowance recorded:
Recorded Investment	$ 3,269	$ 2,663
Unpaid Principal Balance	3,339	2,767
Related Allowance
Loans with an allowance recorded:
Recorded Investment	766	661
Unpaid Principal Balance	780	670
Related Allowance	251	147
Total impaired loans
Recorded Investment	4,035	3,324
Unpaid Principal Balance	4,119	3,437
Related Allowance	251	147
Commercial real estate [Member]
Loans with no related allowance recorded:
Recorded Investment	3,269	2,278
Unpaid Principal Balance	3,339	2,329
Related Allowance
Loans with an allowance recorded:
Recorded Investment	537	551
Unpaid Principal Balance	550	559
Related Allowance	23	37
Total impaired loans
Recorded Investment	3,806	2,829
Unpaid Principal Balance	3,889	2,888
Related Allowance	23	37
Commercial real estate [Member] | Commercial mortgages [Member]
Loans with no related allowance recorded:
Recorded Investment	579	223
Unpaid Principal Balance	619	263
Related Allowance
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Total impaired loans
Recorded Investment	579	223
Unpaid Principal Balance	619	263
Related Allowance
Commercial real estate [Member] | Agriculture mortgages [Member]
Loans with no related allowance recorded:
Recorded Investment	2,690	2,055
Unpaid Principal Balance	2,720	2,066
Related Allowance
Loans with an allowance recorded:
Recorded Investment	537	551
Unpaid Principal Balance	550	559
Related Allowance	23	37
Total impaired loans
Recorded Investment	3,227	2,606
Unpaid Principal Balance	3,270	2,625
Related Allowance	23	37
Commercial real estate [Member] | Construction [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Related Allowance
Commercial and Industrial Sector [Member]
Loans with no related allowance recorded:
Recorded Investment		385
Unpaid Principal Balance		438
Related Allowance
Loans with an allowance recorded:
Recorded Investment	210
Unpaid Principal Balance	210
Related Allowance	209
Total impaired loans
Recorded Investment	210	385
Unpaid Principal Balance	210	438
Related Allowance	209
Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Related Allowance
Commercial and Industrial Sector [Member] | Agriculture loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Loans with an allowance recorded:
Recorded Investment	19	110
Unpaid Principal Balance	20	111
Related Allowance	19	110
Total impaired loans
Recorded Investment	19	110
Unpaid Principal Balance	20	111
Related Allowance	19	110
Total Commercial and Industrial Sector [Member]
Loans with no related allowance recorded:
Recorded Investment		385
Unpaid Principal Balance		438
Related Allowance
Loans with an allowance recorded:
Recorded Investment	229	110
Unpaid Principal Balance	230	111
Related Allowance	228	110
Total impaired loans
Recorded Investment	229	495
Unpaid Principal Balance	230	549
Related Allowance	$ 228	$ 110

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
	Mar. 31, 2022	Mar. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	$ 12,931	$ 12,327
Charge-offs	(66)	(14)
Recoveries	14	2
Provision	100	375
Ending balance	12,979	12,690
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	6,263	6,329
Charge-offs	(65)
Recoveries
Provision	(90)	173
Ending balance	6,108	6,502
Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	3,834	3,449
Charge-offs
Recoveries	3
Provision	41	(41)
Ending balance	3,878	3,408
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	2,112	1,972
Charge-offs
Recoveries	10	1
Provision	193	(15)
Ending balance	2,315	1,958
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	87	52
Charge-offs	(1)	(14)
Recoveries	1	1
Provision	(16)	20
Ending balance	71	59
Unallocated [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	635	525
Charge-offs
Recoveries
Provision	(28)	238
Ending balance	$ 607	$ 763

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	Mar. 31, 2022	Dec. 31, 2021
Allowance for credit losses:
Ending balance: individually evaluated for impairment	$ 251	$ 147
Ending balance: collectively evaluated for impairment	12,728	12,784
Loans receivable:
Ending balance	948,592	919,149
Ending balance: individually evaluated for impairment	4,035	3,324
Ending balance: collectively evaluated for impairment	944,557	915,825
Commercial Real Estate [Member]
Allowance for credit losses:
Ending balance: individually evaluated for impairment	23	37
Ending balance: collectively evaluated for impairment	6,085	6,226
Loans receivable:
Ending balance	438,132	400,760
Ending balance: individually evaluated for impairment	3,806	2,829
Ending balance: collectively evaluated for impairment	434,326	397,931
Consumer Real Estate [Member]
Allowance for credit losses:
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	3,878	3,834
Loans receivable:
Ending balance	392,727	403,916
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	392,727	403,916
Commercial and Industrial Sector [Member]
Allowance for credit losses:
Ending balance: individually evaluated for impairment	228	110
Ending balance: collectively evaluated for impairment	2,087	2,002
Loans receivable:
Ending balance	112,592	109,341
Ending balance: individually evaluated for impairment	229	495
Ending balance: collectively evaluated for impairment	112,363	108,846
Consumer [Member]
Allowance for credit losses:
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	71	87
Loans receivable:
Ending balance	5,141	5,132
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	5,141	5,132
Unallocated [Member]
Allowance for credit losses:
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	$ 607	$ 635

Fair Value Presentation (Narrat

Fair Value Presentation (Narrative) (Details) - USD ($)	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	$ 598,487,000	$ 567,075,000
Marketable equity securities, market value	8,994,000	8,982,000	$ 7,217,000
Impaired Financing Receivable, Recorded Investment	4,035,000	3,324,000
Related Allowance	251,000	147,000
CRA Investment Fund [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	7,258,000	7,240,000
Regulatory Bank Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	1,623,000	$ 1,570,000
Regulatory Bank Stock [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, market value	$ 1,736,000

Fair Value Presentation (Schedu

Fair Value Presentation (Schedule of Assets Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Recurring Fair Value Measurements
Securities available for sale (at fair value)	$ 598,487	$ 567,075
Fair Value Measured on a Recurring Basis [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	8,994	8,982
Fair Value Measured on a Recurring Basis [Member] | Non-agency MBS/CMO [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	23,032
Fair Value Measured on a Recurring Basis [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	90,793	101,219
Fair Value Measured on a Recurring Basis [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	78,785	82,509
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)	248,176	247,466
Fair Value Measured on a Recurring Basis [Member] | U.S. treasuries [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	34,291	14,813
Fair Value Measured on a Recurring Basis [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	25,891	29,021
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)	54,077	51,988
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)	34,448	31,077
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)	8,994	8,982
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)	8,994	8,982
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Non-agency MBS/CMO [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | 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] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	589,493	558,093
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] | Non-agency MBS/CMO [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	23,032
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)	90,793	101,219
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)	78,785	82,509
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)	248,176	247,466
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)	34,291	14,813
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)	25,891	29,021
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)	54,077	51,988
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)	34,448	31,077
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] | Non-agency MBS/CMO [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | 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 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	Mar. 31, 2022	Dec. 31, 2021
Non-Recurring Fair Value Measurements
Impaired Loans	$ 3,784	$ 3,177
Total	3,784	3,177
Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans
Total
Significant Other Observable Inputs (Level II) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans
Total
Significant Unobservable Inputs (Level III) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans	3,784	3,177
Total	$ 3,784	$ 3,177

Fair Value Presentation (Sche_3

Fair Value Presentation (Schedule of Level III Inputs to Determine Fair Value) (Details) - Impaired Loans [Member] - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
		Mar. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Fair Value, non-recurring		$ 3,784	$ 3,177
Valuation Techniques	[1]	Appraisal of collateral	Appraisal of collateral
Unobservable inputs - Appraisal adjustments	[2]	(20.00%)
Unobservable inputs - Liquidation expenses	[2]	(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%)
Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unobservable inputs - Appraisal adjustments	[2]		0.00%
Unobservable inputs - Liquidation expenses	[2]		0.00%
Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unobservable inputs - Appraisal adjustments	[2]		(20.00%)
Unobservable inputs - Liquidation expenses	[2]		(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.

Fair Value Presentation (Sche_4

Fair Value Presentation (Schedule of Carrying Amount and Fair Value of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Financial Assets:
Cash and cash equivalents	$ 79,154	$ 158,449	$ 88,614
Regulatory stock	5,406	5,380	6,160
Loans, net of allowance	937,592	907,973	829,244
Bank owned life insurance	35,574	35,414	29,833
Financial Liabilities:
Demand deposits	675,519	686,278	580,003
Total deposits	1,517,957	1,512,213	1,325,387
Subordinated debt	19,700	19,680	$ 19,620
Carrying Amount [Member]
Financial Assets:
Cash and cash equivalents	79,154	158,449
Regulatory stock	5,406	5,380
Loans held for sale	2,223	3,194
Loans, net of allowance	937,592	907,973
Mortgage servicing assets	1,958	1,768
Accrued interest receivable	5,694	5,152
Bank owned life insurance	35,574	35,414
Financial Liabilities:
Demand deposits	675,519	686,278
Interest-bearing demand deposits	66,083	63,015
NOW accounts	134,018	139,366
Money market deposit accounts	164,893	168,327
Savings accounts	363,300	341,291
Time deposits	114,144	113,936
Total deposits	1,517,957	1,512,213
Long-term debt	44,206	44,206
Subordinated debt	19,700	19,680
Accrued interest payable	444	255
Fair Value [Member]
Financial Assets:
Cash and cash equivalents	79,154	158,449
Regulatory stock	5,406	5,380
Loans held for sale	2,223	3,194
Loans, net of allowance	933,932	914,251
Mortgage servicing assets	2,737	2,129
Accrued interest receivable	5,694	5,152
Bank owned life insurance	35,574	35,414
Financial Liabilities:
Demand deposits	675,519	686,278
Interest-bearing demand deposits	66,083	63,015
NOW accounts	134,018	139,366
Money market deposit accounts	164,893	168,327
Savings accounts	363,300	341,291
Time deposits	112,113	113,919
Total deposits	1,515,926	1,512,196
Long-term debt	44,042	43,060
Subordinated debt	18,675	19,088
Accrued interest payable	444	255
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Financial Assets:
Cash and cash equivalents	79,154	158,449
Regulatory stock	5,406	5,380
Loans held for sale	2,223	3,194
Loans, net of allowance
Mortgage servicing assets
Accrued interest receivable	5,694	5,152
Bank owned life insurance	35,574	35,414
Financial Liabilities:
Demand deposits	675,519	686,278
Interest-bearing demand deposits	66,083	63,015
NOW accounts	134,018	139,366
Money market deposit accounts	164,893	168,327
Savings accounts	363,300	341,291
Time deposits
Total deposits	1,403,813	1,398,277
Long-term debt
Subordinated debt
Accrued interest payable	444	255
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	933,932	914,251
Mortgage servicing assets	2,737	2,129
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	112,113	113,919
Total deposits	112,113	113,919
Long-term debt	44,042	43,060
Subordinated debt	18,675	19,680
Accrued interest payable

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) $ in Millions	Mar. 31, 2022USD ($)
Commitment to extend credit	$ 503.5
Loan Commitments [Member]
Commitment to extend credit	100.5
Line of Credit [Member]
Commitment to extend credit	390.9
Letter of Credit [Member]
Commitment to extend credit	$ 12.1

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Schedule of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2022		Mar. 31, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning		$ 3,441
Balance, ending		(20,298)		$ 2,924
Unrealized Gains (Losses) on Securities Available-for-Sale [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning		3,441	[1],[2]	7,958
Other comprehensive loss before reclassifications	[1],[2]	(23,629)		(4,965)
Amount reclassified from accumulated other comprehensive income (loss)	[1],[2]	(110)		(69)
Period change	[1],[2]	(23,739)		(5,034)
Balance, ending		$ (20,298)	[1],[2]	$ 2,924
Federal income tax rate	[1],[2]	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
		Mar. 31, 2022	Mar. 31, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Related income tax expense		$ (498)	$ (931)
Net effect on accumulated other comprehensive income (loss) for the period		3,191	4,504
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net effect on accumulated other comprehensive income (loss) for the period	[1]	110	69
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]
Net securities gains, reclassified into earnings	[1]	139	87
Related income tax expense	[1]	$ (29)	$ (18)
[1]	Amounts in parentheses indicate debits.