ENB Financial (ENBP) 10-Q 14 Nov 22 2022 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2022	Nov. 01, 2022
Cover [Abstract]
Document Type	10-Q
Entity Central Index Key	0001437479
Document Period End Date	Sep. 30, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Amendment Flag	false
Document Quarterly Report	true
Document Transition Report	false
Entity Registrant Name	ENB Financial Corp
Entity Incorporation, State or Country Code	PA
Entity File Number	000-53297
Entity Tax Identification Number	51-0661129
Entity Address, Address Line One	31 E. Main St.
Entity Address, City or Town	Ephrata
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	17522-0457
City Area Code	717
Local Phone Number	733-4181
Entity Information, Former Legal or Registered Name	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		5,625,145

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
ASSETS
Cash and due from banks	$ 27,623	$ 19,930	$ 16,100
Interest-bearing deposits in other banks	22,953	138,519	62,720
Total cash and cash equivalents	50,576	158,449	78,820
Securities available for sale (at fair value)	559,646	558,093	561,587
Equity securities (at fair value)	8,951	8,982	8,844
Loans held for sale	5,131	3,194	3,174
Loans (net of unearned income)	1,114,504	920,904	880,261
Less: Allowance for loan losses	14,150	12,931	12,454
Net loans	1,100,354	907,973	867,807
Premises and equipment	24,598	24,476	24,507
Regulatory stock	5,897	5,380	5,635
Bank owned life insurance	35,995	35,414	35,200
Other assets	33,156	15,269	12,478
Total assets	1,824,304	1,717,230	1,598,052
Deposits:
Noninterest-bearing	670,563	686,278	591,333
Interest-bearing	961,286	825,935	800,169
Total deposits	1,631,849	1,512,213	1,391,502
Short-term borrowings	15,000
Long-term debt	44,206	44,206	46,706
Subordinated debt	39,356	19,680	19,660
Other liabilities	7,738	3,843	3,967
Total liabilities	1,738,149	1,579,942	1,461,835
Stockholders' equity:
Common stock, par value $0.10 Shares: Authorized 24,000,000 Issued 5,739,114 and Outstanding 5,625,146 as of 9/30/22, 5,583,956 as of 12/31/21, and 5,575,452 as of 9/30/21	574	574	574
Capital surplus	4,475	4,520	4,498
Retained earnings	138,760	131,856	130,082
Accumulated other comprehensive (loss) income	(55,381)	3,441	4,326
Less: Treasury stock cost on 113,969 shares as of 9/30/22, 155,158 as of 12/31/21, and 163,663 as of 9/30/21	(2,273)	(3,103)	(3,263)
Total stockholders' equity	86,155	137,288	136,217
Total liabilities and stockholders' equity	$ 1,824,304	$ 1,717,230	$ 1,598,052

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - $ / shares	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 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	5,625,146	5,583,956	5,575,452
Treasury shares	113,969	155,158	163,663

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest and dividend income:
Interest and fees on loans	$ 11,022	$ 8,986	$ 29,357	$ 25,541
Interest on securities available for sale
Taxable	2,654	1,301	6,090	3,611
Tax-exempt	1,074	1,015	3,182	2,977
Interest on deposits at other banks	55	17	139	59
Dividend income	167	98	367	295
Total interest and dividend income	14,972	11,417	39,135	32,483
Interest expense:
Interest on deposits	608	278	1,168	877
Interest on borrowings	775	511	1,683	1,569
Total interest expense	1,383	789	2,851	2,446
Net interest income	13,589	10,628	36,284	30,037
Provision (credit) for loan losses	550	(250)	1,300	125
Net interest income after provision (credit) for loan losses	13,039	10,878	34,984	29,912
Other income:
Trust and investment services income	680	540	1,979	1,746
Service fees	791	618	2,063	1,917
Commissions	941	945	2,762	2,761
Gains on the sale of debt securities, net		350	139	711
Gains (losses) on equity securities, net	9	32	(129)	256
Gains on sale of mortgages	186	1,206	1,249	4,381
Earnings on bank-owned life insurance	242	218	667	636
Other income	331	230	1,145	1,126
Total other income	3,180	4,139	9,875	13,534
Operating expenses:
Salaries and employee benefits	6,607	6,142	19,826	17,800
Occupancy	713	654	2,125	1,972
Equipment	312	255	913	806
Advertising & marketing	259	282	833	717
Computer software & data processing	1,727	1,097	4,251	3,297
Shares tax	351	322	1,053	876
Professional services	720	535	1,983	1,572
Other expense	824	831	2,614	1,961
Total operating expenses	11,513	10,118	33,598	29,001
Income before income taxes	4,706	4,899	11,261	14,445
Provision for federal income taxes	697	760	1,503	2,251
Net income	$ 4,009	$ 4,139	$ 9,758	$ 12,194
Earnings per share of common stock	$ 0.71	$ 0.74	$ 1.74	$ 2.19
Cash dividends paid per share	$ 0.17	$ 0.17	$ 0.51	$ 0.50
Weighted average shares outstanding	5,611,279	5,570,416	5,597,301	5,565,777

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 4,009	$ 4,139	$ 9,758	$ 12,194
Securities available for sale not other-than-temporarily impaired:
Unrealized losses arising during the period	(23,500)	(3,492)	(74,319)	(3,884)
Income tax effect	4,935	733	15,607	814
Total	(18,565)	(2,759)	(58,712)	(3,070)
Gains recognized in earnings		(350)	(139)	(711)
Income tax effect		73	29	149
Total		(277)	(110)	(562)
Other comprehensive loss, net of tax	(18,565)	(3,036)	(58,822)	(3,632)
Comprehensive (Loss) Income	$ (14,556)	$ 1,103	$ (49,064)	$ 8,562

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) - USD ($) $ in Thousands	Common Stock	Capital Surplus	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	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, 2020	574	4,444	120,670	7,958	(3,430)	130,216
Net income						12,194
Balance, ending at Sep. 30, 2021	574	4,498	130,082	4,326	(3,263)	136,217
Balance, beginning at Mar. 31, 2021	574	4,460	124,285	2,924	(3,422)	128,821
Net income			3,551			3,551
Other comprehensive loss net of tax				4,438		4,438
Treasury stock purchased					(155)	(155)
Treasury stock issued		20			211	231
Cash dividends paid			(945)			(945)
Balance, ending at Jun. 30, 2021	574	4,480	126,891	7,362	(3,366)	135,941
Net income			4,139			4,139
Other comprehensive loss net of tax				(3,036)		(3,036)
Treasury stock purchased					(68)	(68)
Treasury stock issued		18			171	189
Cash dividends paid			(948)			(948)
Balance, ending at Sep. 30, 2021	574	4,498	130,082	4,326	(3,263)	136,217
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
Balance, beginning at Dec. 31, 2021	574	4,520	131,856	3,441	(3,103)	137,288
Net income						9,758
Balance, ending at Sep. 30, 2022	574	4,475	138,760	(55,381)	(2,273)	86,155
Balance, beginning at Mar. 31, 2022	574	4,544	134,098	(20,298)	(2,879)	116,039
Net income			2,558			2,558
Other comprehensive loss net of tax				(16,518)		(16,518)
Treasury stock purchased					(53)	(53)
Treasury stock issued		(42)			368	326
Cash dividends paid			(951)			(951)
Balance, ending at Jun. 30, 2022	574	4,502	135,705	(36,816)	(2,564)	101,401
Net income			4,009			4,009
Other comprehensive loss net of tax				(18,565)		(18,565)
Treasury stock issued		(27)			291	264
Cash dividends paid			(954)			(954)
Balance, ending at Sep. 30, 2022	$ 574	$ 4,475	$ 138,760	$ (55,381)	$ (2,273)	$ 86,155

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended
	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021
Statement of Stockholders' Equity [Abstract]
Treasury stock purchased, shares		3,000		3,100	7,200	7,600
Treasury stock issued, shares	14,575	18,418	11,196	8,574	10,611	7,936
Cash dividends paid, per share	$ 0.17	$ 0.17	$ 0.17	$ 0.17	$ 0.17	$ 0.16

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities:
Net income	$ 9,758	$ 12,194
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization of securities premiums and discounts and loan fees	3,854	2,851
Amortization of operating leases right-of-use assets	132	60
Increase in interest receivable	(1,254)	(958)
Increase in interest payable	526	146
Provision for loan losses	1,300	125
Gains on the sale of debt securities, net	(139)	(711)
Losses (gains) on equity securities, net	129	(256)
Gains on sale of mortgages	(1,249)	(4,381)
Loans originated for sale	(28,164)	(71,607)
Proceeds from sales of loans	27,476	75,843
Earnings on bank-owned life insurance	(667)	(636)
Depreciation of premises and equipment and amortization of software	1,207	1,164
Deferred income tax	(83)	164
Amortization of deferred fees on subordinated debt	76	59
Other assets and other liabilities, net	2,327	(2,292)
Net cash provided by operating activities	15,229	11,765
Securities available for sale:
Proceeds from maturities, calls, and repayments	35,605	58,837
Proceeds from sales	8,575	77,259
Purchases	(123,852)	(228,981)
Equity securities
Proceeds from sales	151	460
Purchases	(249)	(1,945)
Purchase of regulatory bank stock	(974)	(524)
Redemptions of regulatory bank stock	457	996
Purchase of bank-owned life insurance		(4,918)
Net increase in loans	(193,735)	(55,899)
Purchases of premises and equipment, net	(1,106)	(745)
Purchase of computer software	(141)	(471)
Net cash used for investing activities	(275,269)	(155,930)
Cash flows from financing activities:
Net increase in demand, NOW, and savings accounts	123,598	141,428
Net decrease in time deposits	(3,962)	(2,737)
Net increase in short-term borrowings	15,000
Repayments of long-term debt		(8,084)
Proceeds from issuance of subordinated debt	19,600
Dividends paid	(2,854)	(2,782)
Proceeds from sale of treasury stock	838	593
Treasury stock purchased	(53)	(372)
Net cash provided by financing activities	152,167	128,046
Decrease in cash and cash equivalents	(107,873)	(16,119)
Cash and cash equivalents at beginning of period	158,449	94,939
Cash and cash equivalents at end of period	50,576	78,820
Supplemental disclosures of cash flow information:
Interest paid	2,325	2,300
Income taxes paid	1,200	2,200
Supplemental disclosure of non-cash investing and financing activities:
Fair value adjustments for securities available for sale	(74,458)	4,595
Recognition of lease operating right-of-use assets	2,811	80
Recognition of operating lease liabilities	$ 2,811	$ 80

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 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 third 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 nine months ended September 30, 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	9 Months Ended
	Sep. 30, 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 September 30, 2022, and December 31, 2021, are as follows: Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ September 30, 2022 U.S. treasuries 35,719 - ( 3,287 ) 32,432 U.S. government agencies 27,606 1 ( 2,972 ) 24,635 U.S. agency mortgage-backed securities 51,655 - ( 5,354 ) 46,301 U.S. agency collateralized mortgage obligations 32,309 - ( 2,855 ) 29,454 Non-agency MBS/CMO 55,370 - ( 3,496 ) 51,874 Asset-backed securities 84,110 - ( 2,362 ) 81,748 Corporate bonds 81,829 6 ( 7,479 ) 74,356 Obligations of states and political subdivisions 261,150 1 ( 42,305 ) 218,846 Total securities available for sale 629,748 8 ( 70,110 ) 559,646 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 September 30, 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 11,209 11,201 Due after one year through five years 106,611 98,455 Due after five years through ten years 112,689 98,684 Due after ten years 399,239 351,306 Total debt securities 629,748 559,646 9 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements Securities available for sale with a par value of $ 108,799,000 94,283,000 99,284,000 96,521,000 Proceeds from active sales of securities available for sale, along with the associated gross realized gains and gross realized losses, are shown below. Realized gains and losses are computed on the basis of specific identification. PROCEEDS FROM SALES OF SECURITIES AVAILABLE FOR SALE (DOLLARS IN THOUSANDS) Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 $ $ $ $ Proceeds from sales - 17,957 8,575 77,259 Gross realized gains - 369 139 791 Gross realized losses - ( 19 ) - ( 80 ) Management evaluates all of the Corporation’s securities for other-than-temporary impairment (OTTI) on a periodic basis. No securities in the portfolio had other-than-temporary impairment recorded in the first nine months of 2022 or 2021. Information pertaining to securities with gross unrealized losses at September 30, 2022, and December 31, 2021, aggregated by investment category and length of time that individual securities have been in a continuous loss position follows: 10 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements TEMPORARY IMPAIRMENTS OF SECURITIES (DOLLARS IN THOUSANDS) Less than 12 months More than 12 months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses $ $ $ $ $ $ As of September 30, 2022 U.S. Treasuries 28,119 ( 2,616 ) 4,313 ( 671 ) 32,432 ( 3,287 ) U.S. government agencies 1,954 ( 53 ) 21,480 ( 2,919 ) 23,434 ( 2,972 ) U.S. agency mortgage-backed securities 26,500 ( 2,248 ) 19,801 ( 3,106 ) 46,301 ( 5,354 ) U.S. agency collateralized mortgage obligations 18,841 ( 1,433 ) 10,553 ( 1,422 ) 29,394 ( 2,855 ) Non-Agency MBS/CMO 51,874 ( 3,496 ) - - 51,874 ( 3,496 ) Asset-backed securities 55,024 ( 1,414 ) 26,724 ( 948 ) 81,748 ( 2,362 ) Corporate bonds 39,611 ( 2,961 ) 28,734 ( 4,518 ) 68,345 ( 7,479 ) Obligations of states & political subdivisions 161,641 ( 25,872 ) 56,674 ( 16,433 ) 218,315 ( 42,305 ) Total temporarily impaired securities 383,564 ( 40,093 ) 168,279 ( 30,017 ) 551,843 ( 70,110 ) 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 396 positions carrying unrealized losses as of September 30, 2022. There were no instruments considered to be other-than-temporarily impaired at September 30, 2022. The Corporation evaluates fixed maturity positions for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic and market concerns warrant such evaluation. U.S. generally accepted accounting principles provide for the bifurcation of OTTI into two categories: (a) the amount of the total OTTI related to a decrease in cash flows expected to be collected from the debt security (the credit loss), which is recognized in earnings, and (b) the amount of total OTTI related to all other factors, which is recognized, net of taxes, as a component of accumulated other comprehensive income.

Equity Securities

Equity Securities	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ September 30, 2022 CRA-qualified mutual funds 7,299 - - 7,299 Bank stocks 1,660 73 ( 81 ) 1,652 Total equity securities 8,959 73 ( 81 ) 8,951 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 and nine months ended September 30, 2022 and 2021, and the portion of unrealized gains and losses for the period that relates to equity investments held as of September 30, 2022 and 2021. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 $ $ $ $ Net (losses) gains recognized in equity securities during the period 9 32 ( 129 ) 256 Less: Net gains realized on the sale of equity securities during the period - 3 51 99 Unrealized gains (losses) recognized in equity securities held at reporting date 9 29 ( 180 ) 157

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	9 Months Ended
	Sep. 30, 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 September 30, 2022, and December 31, 2021: LOAN PORTFOLIO (DOLLARS IN THOUSANDS) September 30, December 31, 2022 2021 $ $ Commercial real estate Commercial mortgages 207,480 177,396 Agriculture mortgages 212,351 203,725 Construction 80,008 19,639 Total commercial real estate 499,839 400,760 Consumer real estate (a) 1-4 family residential mortgages 366,534 317,037 Home equity loans 13,268 11,181 Home equity lines of credit 93,704 75,698 Total consumer real estate 473,506 403,916 Commercial and industrial Commercial and industrial 80,964 65,615 Tax-free loans 26,398 23,009 Agriculture loans 25,520 20,717 Total commercial and industrial 132,882 109,341 Consumer 5,755 5,132 Gross loans prior to deferred fees 1,111,982 919,149 Deferred loan costs, net 2,522 1,755 Allowance for credit losses ( 14,150 ) ( 12,931 ) Total net loans 1,100,354 907,973 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $304,479,000 and $289,263,000 as of September 30, 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 September 30, 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. 13 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The Corporation's internally assigned grades for commercial credits are as follows: • Pass – loans which are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral. • Special Mention – loans where a potential weakness or risk exists, which could cause a more serious problem, if not corrected. • Substandard – loans that have a well-defined weakness based on objective evidence and characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. • Doubtful – loans classified as doubtful have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances. • Loss – loans classified as a loss are considered uncollectible, or of such value that continuance as an asset is not warranted. COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) Commercial Commercial Agriculture and Tax-free Agriculture September 30, 2022 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 205,221 202,861 76,962 72,960 26,398 25,222 609,624 Special Mention - 4,576 3,046 5,328 - 43 12,993 Substandard 2,259 4,914 - 2,676 - 255 10,104 Doubtful - - - - - - - Loss - - - - - - - Total 207,480 212,351 80,008 80,964 26,398 25,520 632,721 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 14 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements For consumer loans, the Corporation evaluates credit quality based on whether the loan is considered performing or non-performing. Non-performing loans consist of those loans greater than 90 CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity Residential Home Equity Lines of September 30, 2022 Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 366,363 12,918 93,704 5,747 478,732 Non-performing - - - 8 8 Total 366,363 12,918 93,704 5,755 478,740 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 September 30, 2022 and December 31, 2021: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Greater Receivable > 90 Days 30-59 Days 60-89 Days than 90 Total Past Total Loans and September 30, 2022 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages - - 1,087 1,087 206,914 208,001 140 Agriculture mortgages - 22 3,355 3,377 208,974 212,351 - Construction - - - - 80,008 80,008 - Consumer real estate 1-4 family residential mortgages 502 - - 502 365,861 366,363 - Home equity loans 17 12 - 29 12,889 12,918 - Home equity lines of credit 73 - - 73 93,631 93,704 - Commercial and industrial Commercial and industrial 7 6 203 216 80,748 80,964 - Tax-free loans - - - - 26,398 26,398 - Agriculture loans - - - - 25,520 25,520 - Consumer 29 1 8 38 5,717 5,755 8 Total 628 41 4,653 5,322 1,106,660 1,111,982 148 15 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Receivable Greater > 90 Days 30-59 Days 60-89 Days than 90 Total Past Total Loans and December 31, 2021 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 September 30, 2022 and December 31, 2021: NONACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) September 30, December 31, 2022 2021 $ $ Commercial real estate Commercial mortgages 948 184 Agriculture mortgages 3,355 1,838 Construction - - Consumer real estate 1-4 family residential mortgages - 39 Home equity loans - - Home equity lines of credit - - Commercial and industrial Commercial and industrial 203 385 Tax-free loans - - Agriculture loans - 110 Consumer - - Total 4,506 2,556 16 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements As of September 30, 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 and nine months ended September 30, 2022 and September 30, 2021, is as follows: IMPAIRED LOANS (DOLLARS IN THOUSANDS) Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 $ $ $ $ Average recorded balance of impaired loans 5,028 2,012 4,012 4,392 Interest income recognized on impaired loans 5 38 19 176 No loan modifications were made during the first nine months of 2022 or 2021 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 $ 456,000 17 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following tables summarize information regarding impaired loans by loan portfolio class as of September 30, 2022 and December 31, 2021: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Unpaid Recorded Principal Related September 30, 2022 Investment Balance Allowance $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 948 1,006 - Agriculture mortgages 3,811 3,923 - Construction - - - Total commercial real estate 4,759 4,929 - Commercial and industrial Commercial and industrial 194 199 - Tax-free loans - - - Agriculture loans - - - Total commercial and industrial 194 199 - Total with no related allowance 4,953 5,128 - With an allowance recorded: Commercial real estate Commercial mortgages - - - Agriculture mortgages - - - Construction - - - Total commercial real estate - - - Commercial and industrial Commercial and industrial 9 9 9 Tax-free loans - - - Agriculture loans - - - Total commercial and industrial 9 9 9 Total with a related allowance 9 9 9 Total by loan class: Commercial real estate Commercial mortgages 948 1,006 - Agriculture mortgages 3,811 3,923 - Construction - - - Total commercial real estate 4,759 4,929 - Commercial and industrial Commercial and industrial 203 208 9 Tax-free loans - - - Agriculture loans - - - Total commercial and industrial 203 208 9 Total 4,962 5,137 9 18 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 19 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following table details activity in the allowance for credit losses by portfolio segment for the nine months ended September 30, 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 Charge-offs - - ( 41 ) - - ( 41 ) Recoveries 2 3 12 1 - 18 Provision ( 239 ) 834 255 ( 28 ) ( 172 ) 650 Balance - June 30, 2022 5,871 4,715 2,541 44 435 13,606 Charge-offs - - ( 18 ) ( 15 ) - ( 33 ) Recoveries 10 3 13 1 - 27 Provision 529 108 ( 109 ) 34 ( 12 ) 550 Balance - September 30, 2022 6,410 4,826 2,427 64 423 14,150 During the nine months ended September 30, 2022, management charged off $ 140,000 59,000 1,300,000 4.9 3.0 During the nine months ended September 30, 2022, net provision expense was recorded for all sectors except the consumer sector where a small credit provision was recorded. The provision expense for the commercial real estate, consumer real estate, and commercial and industrial sectors was primarily related to growth in those sectors of the loan portfolio through September 30, 2022, while the credit provision in the consumer sector was primarily related to declining qualitative factors in several areas since September 30, 2021. 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. 20 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 nine months ended September 30, 2021: Commercial Consumer Commercial Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance - December 31, 2020 6,329 3,449 1,972 52 525 12,327 Charge-offs - - - ( 14 ) - ( 14 ) Recoveries - - 1 1 - 2 Provision 173 ( 41 ) ( 15 ) 20 238 375 Balance - March 31, 2021 6,502 3,408 1,958 59 763 12,690 Charge-offs - - - ( 9 ) - ( 9 ) Recoveries - - 16 6 - 22 Provision 48 83 19 10 ( 160 ) - Balance - June 30, 2021 6,550 3,491 1,993 66 603 12,703 Charge-offs - - - ( 7 ) - ( 7 ) Recoveries - - 2 6 - 8 Provision ( 909 ) 216 81 ( 3 ) 365 ( 250 ) Balance - September 30, 2021 5,641 3,707 2,076 62 968 12,454 During the nine months ended September 30, 2021, management charged off $ 30,000 32,000 125,000 4.3 7.8 21 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following tables present the balance in the allowance for credit losses and the recorded investment in loans receivable by portfolio segment based on impairment method as of September 30, 2022 and December 31, 2021: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Consumer Commercial As of September 30, 2022: Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment - - 9 - - 9 Ending balance: collectively evaluated for impairment 6,410 4,826 2,418 64 423 14,141 Loans receivable: Ending balance 499,839 473,506 132,882 5,755 1,111,982 Ending balance: individually evaluated for impairment 4,759 - 203 - 4,962 Ending balance: collectively evaluated for impairment 495,080 473,506 132,679 5,755 1,107,020 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	9 Months Ended
	Sep. 30, 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. 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. 22 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following tables provide the fair market value for assets required to be measured and reported at fair value on a recurring basis on the Consolidated Balance Sheets as of September 30, 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) September 30, 2022 Level I Level II Level III Total $ $ $ $ U.S. treasuries 32,432 - - 32,432 U.S. government agencies - 24,635 - 24,635 U.S. agency mortgage-backed securities - 46,301 - 46,301 U.S. agency collateralized mortgage obligations - 29,454 - 29,454 Non-agency MBS/CMO - 51,874 - 51,874 Asset-backed securities - 81,748 - 81,748 Corporate bonds - 74,356 - 74,356 Obligations of states & political subdivisions - 218,846 - 218,846 Equity securities 8,951 - - 8,951 Total securities 41,383 527,214 - 568,597 On September 30, 2022, the Corporation held no securities valued using level III inputs. All of the Corporation’s debt instruments excluding U. S. Treasuries 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 U.S. Treasuries, CRA fund investments and bank stocks are fair valued utilizing level I inputs because the funds have their own quoted prices in an active market. As of September 30, 2022, the CRA fund investments had a $ 7,299,000 1,660,000 1,652,000 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. 23 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 23,795 543,280 - 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 excluding U.S. Treasuries 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 U.S. Treasuries, 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 1,570,000 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 September 30, 2022 and December 31, 2021, by level within the fair value hierarchy: ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) September 30, 2022 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ - $ - $ 4,953 $ 4,953 Total $ - $ - $ 4,953 $ 4,953 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 $ 4,962,000 9,000 3,324,000 147,000 24 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis for which the Corporation has utilized level III inputs to determine fair value: QUANTITATIVE INFORMATION ABOUT LEVEL III FAIR VALUE MEASUREMENTS (DOLLARS IN THOUSANDS) September 30, 2022 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans $ 4,953 Appraisal of collateral (1) Appraisal adjustments (2) 0 % to - 20 % (- 20 %) Liquidation expenses (2) 0 % to - 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 - % (- %) Liquidation expenses (2) 0 % to - % (- %) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level III inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal. FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) September 30, 2022 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 50,576 50,576 50,576 - - Regulatory stock 5,897 5,897 5,897 - - Loans held for sale 5,131 5,131 5,131 - - Loans, net of allowance 1,100,354 1,040,658 - - 1,040,658 Mortgage servicing assets 2,043 2,828 - - 2,828 Accrued interest receivable 6,407 6,407 6,407 - - Bank owned life insurance 35,995 35,995 35,995 - - Financial Liabilities: Demand deposits 670,563 670,563 670,563 - - Interest-bearing demand deposits 81,855 81,855 81,855 - - NOW accounts 129,390 129,390 129,390 - - Money market deposit accounts 260,141 260,141 260,141 - - Savings accounts 369,230 369,230 369,230 - - Time deposits 120,670 116,598 - - 116,598 Total deposits 1,631,849 1,627,777 1,511,179 - 116,598 Long-term debt 44,206 44,206 - - 44,206 Short-term borrowings 15,000 15,000 Subordinated debt 39,356 36,745 - - 36,745 Accrued interest payable 781 781 781 - - 25 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2021 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 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	9 Months Ended
	Sep. 30, 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 September 30, 2022, firm loan commitments were $ 98.1 449.5 10.4 558.0

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 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 ) Other comprehensive loss before reclassifications ( 16,518 ) Amount reclassified from accumulated other comprehensive income (loss) - Period change ( 16,518 ) Balance at June 30, 2022 ( 36,816 ) Other comprehensive loss before reclassifications ( 18,565 ) Amount reclassified from accumulated other comprehensive income (loss) - Period change ( 18,565 ) Balance at September 30, 2022 ( 55,381 ) Balance at December 31, 2020 7,958 Other comprehensive loss before reclassifications ( 4,964 ) Amount reclassified from accumulated other comprehensive income (loss) ( 70 ) Period change ( 5,034 ) Balance at March 31, 2021 2,924 Other comprehensive loss before reclassifications 4,654 Amount reclassified from accumulated other comprehensive income (loss) ( 216 ) Period change 4,438 Balance at June 30, 2021 7,362 Other comprehensive loss before reclassifications ( 2,759 ) Amount reclassified from accumulated other comprehensive income (loss) ( 277 ) Period change ( 3,036 ) Balance at September 30, 2021 4,326 (1) All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 21%. (2) Amounts in parentheses indicate debits. 27 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Three Months Ended September 30, 2022 2021 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains, reclassified into earnings - 350 Gains on the sale of debt securities, net Related income tax expense - ( 73 ) Provision for federal income taxes Net effect on accumulated other comprehensive income (loss) for the period - 277 (1) Amounts in parentheses indicate debits. Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Nine Months Ended September 30, 2022 2021 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains (losses), reclassified into earnings 139 711 Gains on the sale of debt securities, net Related income tax expense ( 29 ) ( 149 ) Provision for federal income taxes Net effect on accumulated other comprehensive income for the period 110 562 (1) Amounts in parentheses indicate debits.

Recently Issued Accounting Stan

Recently Issued Accounting Standards	9 Months Ended
	Sep. 30, 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 28 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses (Topic 326) In November 2019, the FASB issued ASU 2019-11, Codification Improvements to Topic 326, Financial Instruments – Credit Losses In March 2020, the FASB issued ASU 2020-03 , Codification Improvements to Financial Instruments. Financial Instruments In January 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting, March 2020 29 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)	9 Months Ended
	Sep. 30, 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 third 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 nine months ended September 30, 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)	9 Months Ended
	Sep. 30, 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 September 30, 2022, and December 31, 2021, are as follows: Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ September 30, 2022 U.S. treasuries 35,719 - ( 3,287 ) 32,432 U.S. government agencies 27,606 1 ( 2,972 ) 24,635 U.S. agency mortgage-backed securities 51,655 - ( 5,354 ) 46,301 U.S. agency collateralized mortgage obligations 32,309 - ( 2,855 ) 29,454 Non-agency MBS/CMO 55,370 - ( 3,496 ) 51,874 Asset-backed securities 84,110 - ( 2,362 ) 81,748 Corporate bonds 81,829 6 ( 7,479 ) 74,356 Obligations of states and political subdivisions 261,150 1 ( 42,305 ) 218,846 Total securities available for sale 629,748 8 ( 70,110 ) 559,646 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 September 30, 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 11,209 11,201 Due after one year through five years 106,611 98,455 Due after five years through ten years 112,689 98,684 Due after ten years 399,239 351,306 Total debt securities 629,748 559,646
Schedule of proceeds and gains and losses on securities available for sale	Proceeds from active sales of securities available for sale, along with the associated gross realized gains and gross realized losses, are shown below. Realized gains and losses are computed on the basis of specific identification. PROCEEDS FROM SALES OF SECURITIES AVAILABLE FOR SALE (DOLLARS IN THOUSANDS) Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 $ $ $ $ Proceeds from sales - 17,957 8,575 77,259 Gross realized gains - 369 139 791 Gross realized losses - ( 19 ) - ( 80 )
Schedule of securities in an unrealized loss position (temporary impairment)	TEMPORARY IMPAIRMENTS OF SECURITIES (DOLLARS IN THOUSANDS) Less than 12 months More than 12 months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses $ $ $ $ $ $ As of September 30, 2022 U.S. Treasuries 28,119 ( 2,616 ) 4,313 ( 671 ) 32,432 ( 3,287 ) U.S. government agencies 1,954 ( 53 ) 21,480 ( 2,919 ) 23,434 ( 2,972 ) U.S. agency mortgage-backed securities 26,500 ( 2,248 ) 19,801 ( 3,106 ) 46,301 ( 5,354 ) U.S. agency collateralized mortgage obligations 18,841 ( 1,433 ) 10,553 ( 1,422 ) 29,394 ( 2,855 ) Non-Agency MBS/CMO 51,874 ( 3,496 ) - - 51,874 ( 3,496 ) Asset-backed securities 55,024 ( 1,414 ) 26,724 ( 948 ) 81,748 ( 2,362 ) Corporate bonds 39,611 ( 2,961 ) 28,734 ( 4,518 ) 68,345 ( 7,479 ) Obligations of states & political subdivisions 161,641 ( 25,872 ) 56,674 ( 16,433 ) 218,315 ( 42,305 ) Total temporarily impaired securities 383,564 ( 40,093 ) 168,279 ( 30,017 ) 551,843 ( 70,110 ) 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)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ September 30, 2022 CRA-qualified mutual funds 7,299 - - 7,299 Bank stocks 1,660 73 ( 81 ) 1,652 Total equity securities 8,959 73 ( 81 ) 8,951 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	Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 $ $ $ $ Net (losses) gains recognized in equity securities during the period 9 32 ( 129 ) 256 Less: Net gains realized on the sale of equity securities during the period - 3 51 99 Unrealized gains (losses) recognized in equity securities held at reporting date 9 29 ( 180 ) 157

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Schedule of loan portfolio by category	The following table presents the Corporation’s loan portfolio by category of loans as of September 30, 2022, and December 31, 2021: LOAN PORTFOLIO (DOLLARS IN THOUSANDS) September 30, December 31, 2022 2021 $ $ Commercial real estate Commercial mortgages 207,480 177,396 Agriculture mortgages 212,351 203,725 Construction 80,008 19,639 Total commercial real estate 499,839 400,760 Consumer real estate (a) 1-4 family residential mortgages 366,534 317,037 Home equity loans 13,268 11,181 Home equity lines of credit 93,704 75,698 Total consumer real estate 473,506 403,916 Commercial and industrial Commercial and industrial 80,964 65,615 Tax-free loans 26,398 23,009 Agriculture loans 25,520 20,717 Total commercial and industrial 132,882 109,341 Consumer 5,755 5,132 Gross loans prior to deferred fees 1,111,982 919,149 Deferred loan costs, net 2,522 1,755 Allowance for credit losses ( 14,150 ) ( 12,931 ) Total net loans 1,100,354 907,973 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $304,479,000 and $289,263,000 as of September 30, 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 September 30, 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.
Schedule of commercial and consumer credit exposure	COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) Commercial Commercial Agriculture and Tax-free Agriculture September 30, 2022 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 205,221 202,861 76,962 72,960 26,398 25,222 609,624 Special Mention - 4,576 3,046 5,328 - 43 12,993 Substandard 2,259 4,914 - 2,676 - 255 10,104 Doubtful - - - - - - - Loss - - - - - - - Total 207,480 212,351 80,008 80,964 26,398 25,520 632,721 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
Schedule of aging of loans receivable	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 CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity Residential Home Equity Lines of September 30, 2022 Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 366,363 12,918 93,704 5,747 478,732 Non-performing - - - 8 8 Total 366,363 12,918 93,704 5,755 478,740 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 nonaccrual loans by class	The following tables present an age analysis of the Corporation’s past due loans, segregated by loan portfolio class, as of September 30, 2022 and December 31, 2021: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Greater Receivable > 90 Days 30-59 Days 60-89 Days than 90 Total Past Total Loans and September 30, 2022 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages - - 1,087 1,087 206,914 208,001 140 Agriculture mortgages - 22 3,355 3,377 208,974 212,351 - Construction - - - - 80,008 80,008 - Consumer real estate 1-4 family residential mortgages 502 - - 502 365,861 366,363 - Home equity loans 17 12 - 29 12,889 12,918 - Home equity lines of credit 73 - - 73 93,631 93,704 - Commercial and industrial Commercial and industrial 7 6 203 216 80,748 80,964 - Tax-free loans - - - - 26,398 26,398 - Agriculture loans - - - - 25,520 25,520 - Consumer 29 1 8 38 5,717 5,755 8 Total 628 41 4,653 5,322 1,106,660 1,111,982 148 15 Table of Contents ENB FINANCIAL CORP Notes to the Unaudited Consolidated Interim Financial Statements AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Receivable Greater > 90 Days 30-59 Days 60-89 Days than 90 Total Past Total Loans and December 31, 2021 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 September 30, 2022 and December 31, 2021: NONACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) September 30, December 31, 2022 2021 $ $ Commercial real estate Commercial mortgages 948 184 Agriculture mortgages 3,355 1,838 Construction - - Consumer real estate 1-4 family residential mortgages - 39 Home equity loans - - Home equity lines of credit - - Commercial and industrial Commercial and industrial 203 385 Tax-free loans - - Agriculture loans - 110 Consumer - - Total 4,506 2,556
Schedule of impaired loans	As of September 30, 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 and nine months ended September 30, 2022 and September 30, 2021, is as follows: IMPAIRED LOANS (DOLLARS IN THOUSANDS) Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 $ $ $ $ Average recorded balance of impaired loans 5,028 2,012 4,012 4,392 Interest income recognized on impaired loans 5 38 19 176 The following tables summarize information regarding impaired loans by loan portfolio class as of September 30, 2022 and December 31, 2021: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Unpaid Recorded Principal Related September 30, 2022 Investment Balance Allowance $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 948 1,006 - Agriculture mortgages 3,811 3,923 - Construction - - - Total commercial real estate 4,759 4,929 - Commercial and industrial Commercial and industrial 194 199 - Tax-free loans - - - Agriculture loans - - - Total commercial and industrial 194 199 - Total with no related allowance 4,953 5,128 - With an allowance recorded: Commercial real estate Commercial mortgages - - - Agriculture mortgages - - - Construction - - - Total commercial real estate - - - Commercial and industrial Commercial and industrial 9 9 9 Tax-free loans - - - Agriculture loans - - - Total commercial and industrial 9 9 9 Total with a related allowance 9 9 9 Total by loan class: Commercial real estate Commercial mortgages 948 1,006 - Agriculture mortgages 3,811 3,923 - Construction - - - Total commercial real estate 4,759 4,929 - Commercial and industrial Commercial and industrial 203 208 9 Tax-free loans - - - Agriculture loans - - - Total commercial and industrial 203 208 9 Total 4,962 5,137 9 18 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 nine months ended September 30, 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 Charge-offs - - ( 41 ) - - ( 41 ) Recoveries 2 3 12 1 - 18 Provision ( 239 ) 834 255 ( 28 ) ( 172 ) 650 Balance - June 30, 2022 5,871 4,715 2,541 44 435 13,606 Charge-offs - - ( 18 ) ( 15 ) - ( 33 ) Recoveries 10 3 13 1 - 27 Provision 529 108 ( 109 ) 34 ( 12 ) 550 Balance - September 30, 2022 6,410 4,826 2,427 64 423 14,150 The following table details activity in the allowance for credit losses by portfolio segment for the nine months ended September 30, 2021: Commercial Consumer Commercial Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance - December 31, 2020 6,329 3,449 1,972 52 525 12,327 Charge-offs - - - ( 14 ) - ( 14 ) Recoveries - - 1 1 - 2 Provision 173 ( 41 ) ( 15 ) 20 238 375 Balance - March 31, 2021 6,502 3,408 1,958 59 763 12,690 Charge-offs - - - ( 9 ) - ( 9 ) Recoveries - - 16 6 - 22 Provision 48 83 19 10 ( 160 ) - Balance - June 30, 2021 6,550 3,491 1,993 66 603 12,703 Charge-offs - - - ( 7 ) - ( 7 ) Recoveries - - 2 6 - 8 Provision ( 909 ) 216 81 ( 3 ) 365 ( 250 ) Balance - September 30, 2021 5,641 3,707 2,076 62 968 12,454 The following tables present the balance in the allowance for credit losses and the recorded investment in loans receivable by portfolio segment based on impairment method as of September 30, 2022 and December 31, 2021: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Consumer Commercial As of September 30, 2022: Real Estate Real Estate and Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment - - 9 - - 9 Ending balance: collectively evaluated for impairment 6,410 4,826 2,418 64 423 14,141 Loans receivable: Ending balance 499,839 473,506 132,882 5,755 1,111,982 Ending balance: individually evaluated for impairment 4,759 - 203 - 4,962 Ending balance: collectively evaluated for impairment 495,080 473,506 132,679 5,755 1,107,020 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)	9 Months Ended
	Sep. 30, 2022
Fair Value Disclosures [Abstract]
Schedule of assets measured on a recurring basis	ASSETS MEASURED ON A RECURRING BASIS (DOLLARS IN THOUSANDS) September 30, 2022 Level I Level II Level III Total $ $ $ $ U.S. treasuries 32,432 - - 32,432 U.S. government agencies - 24,635 - 24,635 U.S. agency mortgage-backed securities - 46,301 - 46,301 U.S. agency collateralized mortgage obligations - 29,454 - 29,454 Non-agency MBS/CMO - 51,874 - 51,874 Asset-backed securities - 81,748 - 81,748 Corporate bonds - 74,356 - 74,356 Obligations of states & political subdivisions - 218,846 - 218,846 Equity securities 8,951 - - 8,951 Total securities 41,383 527,214 - 568,597 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 23,795 543,280 - 567,075
Schedule of assets measured on a nonrecurring basis	ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) September 30, 2022 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ - $ - $ 4,953 $ 4,953 Total $ - $ - $ 4,953 $ 4,953 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	QUANTITATIVE INFORMATION ABOUT LEVEL III FAIR VALUE MEASUREMENTS (DOLLARS IN THOUSANDS) September 30, 2022 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans $ 4,953 Appraisal of collateral (1) Appraisal adjustments (2) 0 % to - 20 % (- 20 %) Liquidation expenses (2) 0 % to - 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 - % (- %) Liquidation expenses (2) 0 % to - % (- %) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level III inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
Schedule of carrying amount and fair value of financial instruments	FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) September 30, 2022 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 50,576 50,576 50,576 - - Regulatory stock 5,897 5,897 5,897 - - Loans held for sale 5,131 5,131 5,131 - - Loans, net of allowance 1,100,354 1,040,658 - - 1,040,658 Mortgage servicing assets 2,043 2,828 - - 2,828 Accrued interest receivable 6,407 6,407 6,407 - - Bank owned life insurance 35,995 35,995 35,995 - - Financial Liabilities: Demand deposits 670,563 670,563 670,563 - - Interest-bearing demand deposits 81,855 81,855 81,855 - - NOW accounts 129,390 129,390 129,390 - - Money market deposit accounts 260,141 260,141 260,141 - - Savings accounts 369,230 369,230 369,230 - - Time deposits 120,670 116,598 - - 116,598 Total deposits 1,631,849 1,627,777 1,511,179 - 116,598 Long-term debt 44,206 44,206 - - 44,206 Short-term borrowings 15,000 15,000 Subordinated debt 39,356 36,745 - - 36,745 Accrued interest payable 781 781 781 - - 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 1) (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)	9 Months Ended
	Sep. 30, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of accumulated other comprehensive loss	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 ) Other comprehensive loss before reclassifications ( 16,518 ) Amount reclassified from accumulated other comprehensive income (loss) - Period change ( 16,518 ) Balance at June 30, 2022 ( 36,816 ) Other comprehensive loss before reclassifications ( 18,565 ) Amount reclassified from accumulated other comprehensive income (loss) - Period change ( 18,565 ) Balance at September 30, 2022 ( 55,381 ) Balance at December 31, 2020 7,958 Other comprehensive loss before reclassifications ( 4,964 ) Amount reclassified from accumulated other comprehensive income (loss) ( 70 ) Period change ( 5,034 ) Balance at March 31, 2021 2,924 Other comprehensive loss before reclassifications 4,654 Amount reclassified from accumulated other comprehensive income (loss) ( 216 ) Period change 4,438 Balance at June 30, 2021 7,362 Other comprehensive loss before reclassifications ( 2,759 ) Amount reclassified from accumulated other comprehensive income (loss) ( 277 ) Period change ( 3,036 ) Balance at September 30, 2021 4,326 Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Three Months Ended September 30, 2022 2021 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains, reclassified into earnings - 350 Gains on the sale of debt securities, net Related income tax expense - ( 73 ) Provision for federal income taxes Net effect on accumulated other comprehensive income (loss) for the period - 277 Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Nine Months Ended September 30, 2022 2021 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains (losses), reclassified into earnings 139 711 Gains on the sale of debt securities, net Related income tax expense ( 29 ) ( 149 ) Provision for federal income taxes Net effect on accumulated other comprehensive income for the period 110 562	[1],[2]
[1] All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 21%. Amounts in parentheses indicate debits.

Securities Available for Sale_2

Securities Available for Sale (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Available for sale debt securities pledged or restricted for public funds, par value	$ 108,799	$ 94,283
Available for sale debt securities pledged or restricted for public funds, fair value	$ 99,284	$ 96,521

Securities Available for Sale_3

Securities Available for Sale (Schedule of Amortized Cost and Fair Value of Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Securities Available For Sale
Amortized Cost	$ 629,748	$ 553,737
Gross Unrealized Gains	8	7,680
Gross Unrealized Losses	(70,110)	(3,324)
Fair Value	559,646	558,093	$ 561,587
U.S. treasuries [Member]
Securities Available For Sale
Amortized Cost	35,719	14,821
Gross Unrealized Gains		14
Gross Unrealized Losses	(3,287)	(22)
Fair Value	32,432	14,813
U.S. Government Agencies [Member]
Securities Available For Sale
Amortized Cost	27,606	29,613
Gross Unrealized Gains	1	50
Gross Unrealized Losses	(2,972)	(642)
Fair Value	24,635	29,021
U.S. Agency Mortgage-Backed Securities [Member]
Securities Available For Sale
Amortized Cost	51,655	51,964
Gross Unrealized Gains		502
Gross Unrealized Losses	(5,354)	(478)
Fair Value	46,301	51,988
U.S. Agency Collateralized Mortgage Obligations [Member]
Securities Available For Sale
Amortized Cost	32,309	30,917
Gross Unrealized Gains		241
Gross Unrealized Losses	(2,855)	(81)
Fair Value	29,454	31,077
Non Agency MBS/CMO [Member]
Securities Available For Sale
Amortized Cost	55,370
Gross Unrealized Gains
Gross Unrealized Losses	(3,496)
Fair Value	51,874
Asset-Backed Securities [Member]
Securities Available For Sale
Amortized Cost	84,110	100,998
Gross Unrealized Gains		605
Gross Unrealized Losses	(2,362)	(384)
Fair Value	81,748	101,219
Corporate Bonds [Member]
Securities Available For Sale
Amortized Cost	81,829	82,617
Gross Unrealized Gains	6	420
Gross Unrealized Losses	(7,479)	(528)
Fair Value	74,356	82,509
Obligations of States and Political Subdivisions [Member]
Securities Available For Sale
Amortized Cost	261,150	242,807
Gross Unrealized Gains	1	5,848
Gross Unrealized Losses	(42,305)	(1,189)
Fair Value	$ 218,846	$ 247,466

Securities Available for Sale_4

Securities Available for Sale (Schedule of Contractual Maturity of Debt Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Contractual maturity of debt securities, Amortized Cost
Due in one year or less	$ 11,209
Due after one year through five years	106,611
Due after five years through ten years	112,689
Due after ten years	399,239
Total debt securities	629,748	$ 553,737
Contractual maturity of debt securities, Fair Value
Due in one year or less	11,201
Due after one year through five years	98,455
Due after five years through ten years	98,684
Due after ten years	351,306
Total debt securities	$ 559,646	$ 558,093	$ 561,587

Securities Available for Sale_5

Securities Available for Sale (Schedule of Proceeds and Gains and Losses on Securities) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales		$ 17,957	$ 8,575	$ 77,259
Gross realized gains		369	139	791
Gross realized losses		$ (19)		$ (80)

Securities Available for Sale_6

Securities Available for Sale (Schedule of Securities in an Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Fair Value
Less than 12 months	$ 383,564	$ 225,035
More than 12 months	168,279	21,647
Total	551,843	246,682
Gross Unrealized Losses
Less than 12 months	(40,093)	(2,984)
More than 12 months	(30,017)	(340)
Total	(70,110)	(3,324)
U.S. treasuries [Member]
Fair Value
Less than 12 months	28,119	4,959
More than 12 months	4,313
Total	32,432	4,959
Gross Unrealized Losses
Less than 12 months	(2,616)	(22)
More than 12 months	(671)
Total	(3,287)	(22)
U.S. Government Agencies [Member]
Fair Value
Less than 12 months	1,954	16,386
More than 12 months	21,480	7,375
Total	23,434	23,761
Gross Unrealized Losses
Less than 12 months	(53)	(519)
More than 12 months	(2,919)	(123)
Total	(2,972)	(642)
U.S. Agency Mortgage-Backed Securities [Member]
Fair Value
Less than 12 months	26,500	24,090
More than 12 months	19,801	2,458
Total	46,301	26,548
Gross Unrealized Losses
Less than 12 months	(2,248)	(468)
More than 12 months	(3,106)	(10)
Total	(5,354)	(478)
U.S. Agency Collateralized Mortgage Obligations [Member]
Fair Value
Less than 12 months	18,841	14,206
More than 12 months	10,553	2,965
Total	29,394	17,171
Gross Unrealized Losses
Less than 12 months	(1,433)	(66)
More than 12 months	(1,422)	(15)
Total	(2,855)	(81)
Asset-backed Securities [Member]
Fair Value
Less than 12 months	55,024	50,466
More than 12 months	26,724	2,826
Total	81,748	53,292
Gross Unrealized Losses
Less than 12 months	(1,414)	(338)
More than 12 months	(948)	(46)
Total	(2,362)	(384)
Corporate Bonds [Member]
Fair Value
Less than 12 months	39,611	44,907
More than 12 months	28,734
Total	68,345	44,907
Gross Unrealized Losses
Less than 12 months	(2,961)	(528)
More than 12 months	(4,518)
Total	(7,479)	(528)
Obligations of States and Political Subdivisions [Member]
Fair Value
Less than 12 months	161,641	70,021
More than 12 months	56,674	6,023
Total	218,315	76,044
Gross Unrealized Losses
Less than 12 months	(25,872)	(1,043)
More than 12 months	(16,433)	(146)
Total	(42,305)	$ (1,189)
Non-agency MBS/CMO [Member]
Fair Value
Less than 12 months	51,874
Total	51,874
Gross Unrealized Losses
Less than 12 months	(3,496)
More than 12 months
Total	$ (3,496)

Equity Securities (Schedule of

Equity Securities (Schedule of Amortized Cost, Gross Unrealized gains, Losses, and Fair Value of Equity Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Net Investment Income [Line Items]
Amortized Cost	$ 629,748	$ 553,737
Gross Unrealized Gains	8	7,680
Gross Unrealized Losses	(70,110)	(3,324)
Fair Value	559,646	558,093	$ 561,587
CRA-qualified mutual funds [Member]
Net Investment Income [Line Items]
Amortized Cost	7,299	7,240
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value	7,299	7,240
Bank stocks [Member]
Net Investment Income [Line Items]
Amortized Cost	1,660	1,570
Gross Unrealized Gains	73	184
Gross Unrealized Losses	(81)	(12)
Fair Value	1,652	1,742
Equity Securities [Member]
Net Investment Income [Line Items]
Amortized Cost	8,959	8,810
Gross Unrealized Gains	73	184
Gross Unrealized Losses	(81)	(12)
Fair Value	$ 8,951	$ 8,982

Equity Securities (Schedule o_2

Equity Securities (Schedule of Unrealized Gains and Losses) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Marketable Securities [Abstract]
Net (losses) gains recognized in equity securities during the period	$ 9	$ 32	$ (129)	$ 256
Less: Net gains realized on the sale of equity securities during the period		3	51	99
Unrealized gains (losses) recognized in equity securities held at reporting date	$ 9	$ 29	$ (180)	$ 157

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Additional provision for loan losses	$ 550			$ (250)			$ 1,300	$ 125
Recoveries of loan losses	27	$ 18	$ 14	8	$ 22	$ 2	59	32
Charge-offs	$ 33	$ 41	$ 66	$ 7	$ 9	$ 14	$ 140	$ 30
Unallocated portion of allowance, percentage	3%			7.80%			3%	7.80%	4.90%	4.30%
Commercial borrowing amount	$ 15,000						$ 15,000
Loans Serviced for Others [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate loans serviced for others	304,479						304,479		$ 289,263
One Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDRs loan	$ 456						$ 456

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses (Schedule of Loan Portfolio by Category) (Details) - USD ($) $ in Thousands		Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Loan Portfolio
Gross loans prior to deferred fees		$ 1,111,982			$ 919,149
Less: Deferred loan costs, net		2,522			1,755
Allowance for credit losses		(14,150)	$ (13,606)	$ (12,979)	(12,931)	$ (12,454)	$ (12,703)	$ (12,690)	$ (12,327)
Total net loans		1,100,354			907,973	867,807
Home Equity Loans [Member]
Loan Portfolio
Gross loans prior to deferred fees		12,918			11,181
Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred fees		93,704			75,698
Commercial Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred fees		499,839			400,760
Allowance for credit losses		(6,410)	(5,871)	(6,108)	(6,263)	(5,641)	(6,550)	(6,502)	(6,329)
Commercial Real Estate [Member] | Mortgages [Member]
Loan Portfolio
Gross loans prior to deferred fees		207,480			177,396
Commercial Real Estate [Member] | Agricultural Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		212,351			203,725
Commercial Real Estate [Member] | Construction [Member]
Loan Portfolio
Gross loans prior to deferred fees		80,008			19,639
Consumer Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred fees		473,506			403,916
Allowance for credit losses		(4,826)	(4,715)	(3,878)	(3,834)	(3,707)	(3,491)	(3,408)	(3,449)
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	366,534			317,037
Consumer Real Estate [Member] | Home Equity Loans [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	13,268			11,181
Consumer Real Estate [Member] | Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	93,704			75,698
Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred fees		132,882			109,341
Commercial and Industrial [Member] | Agricultural Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		25,520			20,717
Commercial and Industrial [Member] | Commercial and Industrial Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		80,964			65,615
Commercial and Industrial [Member] | Tax-free loans [Member]
Loan Portfolio
Gross loans prior to deferred fees		26,398			23,009
Consumer Portfolio Segment [Member]
Loan Portfolio
Gross loans prior to deferred fees		5,755			5,132
Allowance for credit losses		$ (64)	$ (44)	$ (71)	$ (87)	$ (62)	$ (66)	$ (59)	$ (52)
[1]Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $304,479,000 and $289,263,000 as of September 30, 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	Sep. 30, 2022	Dec. 31, 2021
Total	$ 632,721	$ 510,101
Construction [Member]
Total	80,008	19,639
Agricultural Mortgages [Member]
Total	212,351	203,725
Commercial and Industrial [Member]
Total	80,964	65,615
Tax-free Loans [Member]
Total	26,398	23,009
Agriculture Loans [Member]
Total	25,520	20,717
Commercial Mortgages [Member]
Total	207,480	177,396
Pass [Member]
Total	609,624	479,230
Pass [Member] | Construction [Member]
Total	76,962	13,544
Pass [Member] | Agricultural Mortgages [Member]
Total	202,861	192,943
Pass [Member] | Commercial and Industrial [Member]
Total	72,960	57,214
Pass [Member] | Tax-free Loans [Member]
Total	26,398	23,009
Pass [Member] | Agriculture Loans [Member]
Total	25,222	19,980
Pass [Member] | Commercial Mortgages [Member]
Total	205,221	172,540
Special Mention [Member]
Total	12,993	15,827
Special Mention [Member] | Construction [Member]
Total	3,046	6,095
Special Mention [Member] | Agricultural Mortgages [Member]
Total	4,576	2,542
Special Mention [Member] | Commercial and Industrial [Member]
Total	5,328	4,657
Special Mention [Member] | Tax-free Loans [Member]
Total
Special Mention [Member] | Agriculture Loans [Member]
Total	43	90
Special Mention [Member] | Commercial Mortgages [Member]
Total		2,443
Substandard [Member]
Total	10,104	15,044
Substandard [Member] | Construction [Member]
Total
Substandard [Member] | Agricultural Mortgages [Member]
Total	4,914	8,240
Substandard [Member] | Commercial and Industrial [Member]
Total	2,676	3,744
Substandard [Member] | Tax-free Loans [Member]
Total
Substandard [Member] | Agriculture Loans [Member]
Total	255	647
Substandard [Member] | Commercial Mortgages [Member]
Total	2,259	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	Sep. 30, 2022	Dec. 31, 2021
Gross loans prior to deferred fees	$ 1,111,982	$ 919,149
Consumer Borrower [Member]
Gross loans prior to deferred fees	478,740	409,048
Home Equity Loan [Member]
Gross loans prior to deferred fees	12,918	11,181
Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	93,704	75,698
1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	366,363	317,037
Consumer [Member]
Gross loans prior to deferred fees	5,755	5,132
Performing [Member]
Gross loans prior to deferred fees	478,732	408,694
Performing [Member] | Home Equity Loan [Member]
Gross loans prior to deferred fees	12,918	11,181
Performing [Member] | Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	93,704	75,659
Performing [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	366,363	316,722
Performing [Member] | Consumer [Member]
Gross loans prior to deferred fees	5,747	5,132
Nonperforming [Member]
Gross loans prior to deferred fees	8	354
Nonperforming [Member] | Home Equity Loan [Member]
Gross loans prior to deferred fees
Nonperforming [Member] | Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees		39
Nonperforming [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees		315
Nonperforming [Member] | Consumer [Member]
Gross loans prior to deferred fees	$ 8

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses (Schedule of Aging of Loans Receivable) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 5,322	$ 4,760
Current	1,106,660	914,389
Total Loans Receivable	1,111,982	919,149
Loans Receivable - Greater than 90 Days and Accruing	148	325
30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	628	1,802
60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	41	77
Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	4,653	2,881
1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Loans Receivable	366,363	317,037
Commercial real estate [Member] | Commercial mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,087	206
Current	206,914	177,190
Total Loans Receivable	208,001	177,396
Loans Receivable - Greater than 90 Days and Accruing	140
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	1,087	184
Commercial real estate [Member] | Agriculture mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	3,377	2,070
Current	208,974	201,655
Total Loans Receivable	212,351	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	22
Commercial real estate [Member] | Agriculture mortgages [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	3,355	1,838
Commercial real estate [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Current	80,008	19,639
Total Loans Receivable	80,008	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	502	1,847
Current	365,861	315,190
Total Loans Receivable	366,363	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	502	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		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		315
Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	29	19
Current	12,889	11,162
Total Loans Receivable	12,918	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	17	19
Consumer Real Estate [Member] | Home Equity Loan [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	12
Consumer Real Estate [Member] | Home Equity Loan [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Consumer Real Estate [Member] | Home equity lines of credit [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	73	39
Current	93,631	75,659
Total Loans Receivable	93,704	75,698
Loans Receivable - Greater than 90 Days and Accruing		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	73
Consumer Real Estate [Member] | Home equity lines of credit [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Consumer Real Estate [Member] | Home equity lines of credit [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		39
Commercial and Industrial Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	216	438
Current	80,748	65,177
Total Loans Receivable	80,964	65,615
Loans Receivable - Greater than 90 Days and Accruing		10
Commercial and Industrial Sector [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	7	43
Commercial and Industrial Sector [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	6
Commercial and Industrial Sector [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	203	395
Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Current	26,398	23,009
Total Loans Receivable	26,398	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		119
Current	25,520	20,598
Total Loans Receivable	25,520	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		110
Consumer [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	38	22
Current	5,717	5,110
Total Loans Receivable	5,755	5,132
Loans Receivable - Greater than 90 Days and Accruing	8
Consumer [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	29	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	$ 8

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses (Schedule of Nonaccrual Loans by Class) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	$ 4,506	$ 2,556
Commercial real estate [Member] | Commercial mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	948	184
Commercial real estate [Member] | Agriculture mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	3,355	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		39
Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Consumer Real Estate [Member] | Home equity lines of credit [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Commercial and Industrial Sector [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	203	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		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		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Loans And Allowance For Credit Losses Schedule Of Corporations Commercial Loans On Nonaccrual
Average recorded balance of impaired loans	$ 5,028	$ 2,012	$ 4,012	$ 4,392
Interest income recognized on impaired loans	$ 5	$ 38	$ 19	$ 176

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses (Schedule of Impaired Loans by Loan Portfolio Class) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Loans with no related allowance recorded:
Recorded Investment	$ 4,953	$ 2,663
Unpaid Principal Balance	5,128	2,767
Related Allowance
Loans with an allowance recorded:
Recorded Investment	9	661
Unpaid Principal Balance	9	670
Related Allowance	9	147
Total impaired loans
Recorded Investment	4,962	3,324
Unpaid Principal Balance	5,137	3,437
Related Allowance	9	147
Commercial real estate [Member]
Loans with no related allowance recorded:
Recorded Investment	4,759	2,278
Unpaid Principal Balance	4,929	2,329
Related Allowance
Loans with an allowance recorded:
Recorded Investment		551
Unpaid Principal Balance		559
Related Allowance		37
Total impaired loans
Recorded Investment	4,759	2,829
Unpaid Principal Balance	4,929	2,888
Related Allowance		37
Commercial real estate [Member] | Commercial mortgages [Member]
Loans with no related allowance recorded:
Recorded Investment	948	223
Unpaid Principal Balance	1,006	263
Related Allowance
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Total impaired loans
Recorded Investment	948	223
Unpaid Principal Balance	1,006	263
Related Allowance
Commercial real estate [Member] | Agriculture mortgages [Member]
Loans with no related allowance recorded:
Recorded Investment	3,811	2,055
Unpaid Principal Balance	3,923	2,066
Related Allowance
Loans with an allowance recorded:
Recorded Investment		551
Unpaid Principal Balance		559
Related Allowance		37
Total impaired loans
Recorded Investment	3,811	2,606
Unpaid Principal Balance	3,923	2,625
Related Allowance		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	194	385
Unpaid Principal Balance	199	438
Related Allowance
Loans with an allowance recorded:
Recorded Investment	9
Unpaid Principal Balance	9
Related Allowance	9
Total impaired loans
Recorded Investment	203	385
Unpaid Principal Balance	208	438
Related Allowance	9
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		110
Unpaid Principal Balance		111
Related Allowance		110
Total impaired loans
Recorded Investment		110
Unpaid Principal Balance		111
Related Allowance		110
Total Commercial and Industrial Sector [Member]
Loans with no related allowance recorded:
Recorded Investment	194	385
Unpaid Principal Balance	199	438
Related Allowance
Loans with an allowance recorded:
Recorded Investment	9	110
Unpaid Principal Balance	9	111
Related Allowance	9	110
Total impaired loans
Recorded Investment	203	495
Unpaid Principal Balance	208	549
Related Allowance	$ 9	$ 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						9 Months Ended
	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	$ 13,606	$ 12,979	$ 12,931	$ 12,703	$ 12,690	$ 12,327	$ 12,931	$ 12,327
Charge-offs	(33)	(41)	(66)	(7)	(9)	(14)	(140)	(30)
Recoveries	27	18	14	8	22	2	59	32
Provision	550	650	100	(250)		375
Ending balance	14,150	13,606	12,979	12,454	12,703	12,690	14,150	12,454
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	5,871	6,108	6,263	6,550	6,502	6,329	6,263	6,329
Charge-offs			(65)
Recoveries	10	2
Provision	529	239	(90)	(909)	48	173
Ending balance	6,410	5,871	6,108	5,641	6,550	6,502	6,410	5,641
Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	4,715	3,878	3,834	3,491	3,408	3,449	3,834	3,449
Charge-offs
Recoveries	3	3	3
Provision	108	834	41	216	83	(41)
Ending balance	4,826	4,715	3,878	3,707	3,491	3,408	4,826	3,707
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	2,541	2,315	2,112	1,993	1,958	1,972	2,112	1,972
Charge-offs	(18)	(41)
Recoveries	13	12	10	2	16	1
Provision	(109)	255	193	81	19	(15)
Ending balance	2,427	2,541	2,315	2,076	1,993	1,958	2,427	2,076
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	44	71	87	66	59	52	87	52
Charge-offs	(15)		(1)	(7)	(9)	(14)
Recoveries	1	1	1	6	6	1
Provision	34	(28)	(16)	(3)	10	20
Ending balance	64	44	71	62	66	59	64	62
Unallocated [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	435	607	635	603	763	525	635	525
Charge-offs
Recoveries
Provision	(12)	(172)	(28)	365	(160)	238
Ending balance	$ 423	$ 435	$ 607	$ 968	$ 603	$ 763	$ 423	$ 968

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses (Schedule of Allowance for Credit Losses and Recorded Investment) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Allowance for credit losses:
Ending balance: individually evaluated for impairment	$ 9	$ 147
Ending balance: collectively evaluated for impairment	14,141	12,784
Loans receivable:
Ending balance	1,111,982	919,149
Ending balance: individually evaluated for impairment	4,962	3,324
Ending balance: collectively evaluated for impairment	1,107,020	915,825
Commercial Real Estate [Member]
Allowance for credit losses:
Ending balance: individually evaluated for impairment		37
Ending balance: collectively evaluated for impairment	6,410	6,226
Loans receivable:
Ending balance	499,839	400,760
Ending balance: individually evaluated for impairment	4,759	2,829
Ending balance: collectively evaluated for impairment	495,080	397,931
Consumer Real Estate [Member]
Allowance for credit losses:
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	473,506	3,834
Loans receivable:
Ending balance	473,506	403,916
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	4,826	403,916
Commercial and Industrial Sector [Member]
Allowance for credit losses:
Ending balance: individually evaluated for impairment	203	110
Ending balance: collectively evaluated for impairment	132,679	2,002
Loans receivable:
Ending balance	132,882	109,341
Ending balance: individually evaluated for impairment	9	495
Ending balance: collectively evaluated for impairment	2,418	108,846
Consumer [Member]
Allowance for credit losses:
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	5,755	87
Loans receivable:
Ending balance	5,755	5,132
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	64	5,132
Unallocated [Member]
Allowance for credit losses:
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment	$ 423	$ 635

Fair Value Presentation (Narrat

Fair Value Presentation (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	$ 629,748	$ 553,737
Marketable equity securities, market value	559,646	558,093	$ 561,587
Impaired loans	4,962	3,324
Specific allocation of loans	9	147
CRA Investment Fund [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	7,299	7,240
Regulatory Bank Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	1,660	1,570
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	$ 1,652	$ 1,742

Fair Value Presentation (Schedu

Fair Value Presentation (Schedule of Assets Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Recurring Fair Value Measurements
Securities available for sale (at fair value)	$ 568,597	$ 567,075
Fair Value Measured on a Recurring Basis [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	8,951	8,982
Fair Value Measured on a Recurring Basis [Member] | U.S. treasuries [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	32,432	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)	24,635	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)	46,301	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)	29,454	31,077
Fair Value Measured on a Recurring Basis [Member] | Non-agency MBS/CMO [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	51,874
Fair Value Measured on a Recurring Basis [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	81,748	101,219
Fair Value Measured on a Recurring Basis [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	74,356	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)	218,846	247,466
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)	41,383	23,795
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)	8,951	8,982
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)	32,432	14,813
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | 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] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	527,214	543,280
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. treasuries [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
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)	24,635	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)	46,301	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)	29,454	31,077
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)	51,874
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)	81,748	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)	74,356	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)	218,846	247,466
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. treasuries [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | 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 Presentation (Sche_2

Fair Value Presentation (Schedule of Assets Measured on Nonrecurring Basis) (Details) - Fair Value Measured on a Nonrecurring Basis [Member] - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Non-Recurring Fair Value Measurements
Impaired Loans	$ 4,953	$ 3,177
Total	4,953	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	4,953	3,177
Total	$ 4,953	$ 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		9 Months Ended	12 Months Ended
		Sep. 30, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Fair Value, non-recurring		$ 4,953	$ 3,177
Valuation Techniques	[1]	Appraisal of collateral	Appraisal of collateral
Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unobservable inputs - Appraisal adjustments	[2]	0%	0%
Unobservable inputs - Liquidation expenses	[2]	0%	0%
Maximum [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%)
Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unobservable inputs - Appraisal adjustments	[2]	(20.00%)	(20.00%)
Unobservable inputs - Liquidation expenses	[2]	(10.00%)	(10.00%)
[1] Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level III inputs which are not identifiable. 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	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Financial Assets:
Cash and cash equivalents	$ 50,576	$ 158,449	$ 78,820
Regulatory stock	5,897	5,380	5,635
Loans, net of allowance	1,100,354	907,973	867,807
Bank owned life insurance	35,995	35,414	35,200
Financial Liabilities:
Demand deposits	670,563	686,278	591,333
Total deposits	1,631,849	1,512,213	1,391,502
Subordinated debt	39,356	19,680	$ 19,660
Carrying Amount [Member]
Financial Assets:
Cash and cash equivalents	50,576	158,449
Regulatory stock	5,897	5,380
Loans held for sale	5,131	3,194
Loans, net of allowance	1,100,354	907,973
Mortgage servicing assets	2,043	1,768
Accrued interest receivable	6,407	5,152
Bank owned life insurance	35,995	35,414
Financial Liabilities:
Demand deposits	670,563	686,278
Interest-bearing demand deposits	81,855	63,015
NOW accounts	129,390	139,366
Money market deposit accounts	260,141	168,327
Savings accounts	369,230	341,291
Time deposits	120,670	113,936
Total deposits	1,631,849	1,512,213
Long-term debt	44,206	44,206
Short-term borrowings	15,000
Subordinated debt	39,356	19,680
Accrued interest payable	781	255
Fair Value [Member]
Financial Assets:
Cash and cash equivalents	50,576	158,449
Regulatory stock	5,897	5,380
Loans held for sale	5,131	3,194
Loans, net of allowance	1,040,658	914,251
Mortgage servicing assets	2,828	2,129
Accrued interest receivable	6,407	5,152
Bank owned life insurance	35,995	35,414
Financial Liabilities:
Demand deposits	670,563	686,278
Interest-bearing demand deposits	81,855	63,015
NOW accounts	129,390	139,366
Money market deposit accounts	260,141	168,327
Savings accounts	369,230	341,291
Time deposits	116,598	113,919
Total deposits	1,627,777	1,512,196
Long-term debt	44,206	43,060
Short-term borrowings	15,000
Subordinated debt	36,745	19,088
Accrued interest payable	781	255
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Financial Assets:
Cash and cash equivalents	50,576	158,449
Regulatory stock	5,897	5,380
Loans held for sale	5,131	3,194
Loans, net of allowance
Mortgage servicing assets
Accrued interest receivable	6,407	5,152
Bank owned life insurance	35,995	35,414
Financial Liabilities:
Demand deposits	670,563	686,278
Interest-bearing demand deposits	81,855	63,015
NOW accounts	129,390	139,366
Money market deposit accounts	260,141	168,327
Savings accounts	369,230	341,291
Time deposits
Total deposits	1,511,179	1,398,277
Long-term debt
Subordinated debt
Accrued interest payable	781	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	1,040,658	914,251
Mortgage servicing assets	2,828	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	116,598	113,919
Total deposits	116,598	113,919
Long-term debt	44,206	43,060
Subordinated debt	36,745	19,680
Accrued interest payable

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) $ in Millions	Sep. 30, 2022 USD ($)
Commitment to extend credit	$ 558
Loan Commitments [Member]
Commitment to extend credit	98.1
Line of Credit [Member]
Commitment to extend credit	449.5
Letter of Credit [Member]
Commitment to extend credit	$ 10.4

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Schedule of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		3 Months Ended					9 Months Ended
		Jun. 30, 2022	Mar. 31, 2022	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning			$ 3,441				$ 3,441
Balance, ending				$ 4,326			(55,381)
Unrealized Gains (Losses) on Securities Available-for-Sale [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning	[1],[2]	$ (20,298)		7,362	$ 2,924	$ 7,958
Other comprehensive loss before reclassifications	[1],[2]	(16,518)	(23,629)	(18,565)	4,654	(4,964)	(2,759)
Amount reclassified from accumulated other comprehensive income (loss)	[1],[2]		(110)		(216)	(70)	(277)
Period change	[1],[2]	(16,518)	(23,739)	(18,565)	4,438	(5,034)	(3,036)
Balance, ending	[1],[2]	$ (36,816)	$ (20,298)	$ (55,381)	$ 7,362	$ 2,924	$ 4,326
[1] All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 21%. Amounts in parentheses indicate debits.

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) (Schedule of Amounts Reclassified from AOCI) (Details) - USD ($) $ in Thousands		3 Months Ended						9 Months Ended
		Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Sep. 30, 2022	Sep. 30, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Related income tax expense		$ (697)			$ (760)			$ (1,503)	$ (2,251)
Net effect on accumulated other comprehensive income (loss) for the period		4,009	$ 2,558	$ 3,191	4,139	$ 3,551	$ 4,504	9,758	12,194
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net effect on accumulated other comprehensive income (loss) for the period	[1]				277			110	562
Securities available-for-sale [Member] | Amount Reclassified from Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net securities gains, reclassified into earnings	[1]				350			139	711
Related income tax expense	[1]				$ (73)			$ (29)	$ (149)
[1] Amounts in parentheses indicate debits.