Pathfinder Bancorp (PBHC) 10-K 22 Mar 24 2023 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Mar. 19, 2024	Jun. 30, 2023
Document Information [Line Items]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2023
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Entity Registrant Name	PATHFINDER BANCORP, INC.
Entity Central Index Key	0001609065
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Interactive Data Current	Yes
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Well Known Seasoned Issuer	No
Entity Public Float			$ 68.1
Entity Shell Company	false
Entity Small Business	true
Entity Emerging Growth Company	false
Entity File Number	001-36695
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	38-3941859
Entity Address, Address Line One	214 West First Street
Entity Address, City or Town	Oswego
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	13126
City Area Code	315
Local Phone Number	343-0057
Document Annual Report	true
Document Transition Report	false
ICFR Auditor Attestation Flag	false
Auditor Name	Bonadio & Co., LLP
Auditor Location	New York
Auditor Firm ID	1884
Title of each class	Common Stock, $0.01 par value
Trading Symbol	PBHC
Name of each exchange on which registered	NASDAQ
Document Financial Statement Error Correction [Flag]	false
Voting Common Stock [Member]
Document Information [Line Items]
Entity Common Stock Shares Outstanding		4,719,788
Series A Nonvoting Common Stock [Member]
Document Information [Line Items]
Entity Common Stock Shares Outstanding		1,380,283

Consolidated Statements of Cond

Consolidated Statements of Condition - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS:
Cash and due from banks	$ 12,338	$ 13,939
Interest-earning deposits	36,394	21,343
Total cash and cash equivalents	48,732	35,282
Available-for-sale securities, at fair value	258,716	191,726
Held-to-maturity securities, at amortized cost (fair value of $0 and $181,491, respectively)	179,286	194,402
Marketable equity securities, at fair value	3,206	1,862
Federal Home Loan Bank stock, at cost	8,748	5,982
Loans	897,207	897,735
Loans held-for-sale	0	19
Less allowance for credit losses	15,975	15,319
Loans receivable, net	881,232	882,435
Premises and equipment, net	18,441	17,872
Assets held-for-sale	3,042	3,042
Operating lease right-of-use assets	1,526	2,098
Finance lease right-of-use assets	4,073	4,213
Accrued interest receivable	7,286	6,168
Foreclosed real estate	151	221
Intangible assets, net	85	101
Goodwill	4,536	4,536
Bank owned life insurance	24,641	24,012
Other assets	22,097	25,969
Total assets	1,465,798	1,399,921
Deposits:
Interest-bearing	949,898	941,719
Noninterest-bearing	170,169	183,711
Total deposits	1,120,067	1,125,430
FHLB advances	125,680	60,333
FHLB advances	49,919	55,664
Subordinated debt	29,914	29,733
Accrued interest payable	2,245	975
Operating lease liabilities	1,711	2,417
Finance lease liabilities	4,381	4,422
Other liabilities	11,625	9,365
Total liabilities	1,345,542	1,288,339
Shareholders' equity:
Additional paid in capital	53,114	52,101
Retained earnings	76,060	71,322
Accumulated other comprehensive loss	(9,605)	(12,172)
Unearned ESOP	(135)	(315)
Total Pathfinder Bancorp, Inc. shareholders' equity	119,495	110,997
Noncontrolling interest	761	585
Total equity	120,256	111,582
Total liabilities and shareholders' equity	1,465,798	1,399,921
Voting Common Stock [Member]
Shareholders' equity:
Common stock	47	47
Non-Voting Common Stock [Member]
Shareholders' equity:
Common stock	$ 14	$ 14

Consolidated Statements of Co_2

Consolidated Statements of Condition (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS:
Held-to-maturity securities at fair value	$ 168,034	$ 181,491
Shareholders' equity:
Common stock, shares issued (in shares)	4,719,288	4,651,829
Common stock, shares outstanding (in shares)	4,719,288	4,651,829
Held-to-maturity securities, at amortized cost fair value	$ 168,034	$ 181,491
Voting Common Stock [Member]
Shareholders' equity:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	25,000,000	25,000,000
Non-Voting Common Stock [Member]
Shareholders' equity:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	1,505,283	1,505,283

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Interest and dividend income:
Loans, including fees	$ 47,348	$ 38,322
Debt securities:
Taxable	17,500	11,225
Tax-exempt	1,947	1,173
Dividends	573	229
Federal funds sold and interest earning deposits	295	149
Total interest and dividend income	67,663	51,098
Interest expense:
Interest on deposits	23,265	7,072
Interest on short-term borrowings	2,688	310
Interest on long-term borrowings	850	564
Interest on subordinated loans	1,941	1,749
Total interest expense	28,744	9,695
Net interest income	38,919	41,403
Provision for credit losses:
Loans	2,991	2,754
Held-to-maturity securities	(98)	0
Unfunded commitments	37	0
Total provision for credit losses	2,930	2,754
Net interest income after provision for loan losses	35,989	38,649
Noninterest income:
Earnings and gains on bank owned life insurance	630	589
Gains (losses) on sales and redemptions of investment securities	62	(169)
Net realized (losses) gains on marketable equity securities	(255)	352
Gains on sales of loans and foreclosed real estate	181	137
Gains (losses) on sale of premises and equipment	0	(250)
Insurance agency revenue	1,304	1,128
Total noninterest income	5,190	5,914
Noninterest expense:
Salaries and employee benefits	15,920	16,022
Building and occupancy	3,563	3,380
Data processing	2,018	2,042
Professional and other services	2,019	1,528
Advertising	671	905
FDIC assessments	885	606
Audits and exams	735	688
Insurance agency expense	1,033	906
Community service activities	200	267
Foreclosed real estate expenses	111	78
Other expenses	2,240	2,452
Total noninterest expenses	29,395	28,874
Income before provision for income taxes	11,784	15,689
Provision for income taxes	2,362	2,656
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.	9,422	13,033
Net income attributable to noncontrolling interest	129	101
Net income	$ 9,293	$ 12,932
Dividends per common share (Voting and Series A Non-Voting)	$ 0.36	$ 0.36
Voting Common Stock [Member]
Noninterest expense:
Earnings per common share- basic	1.51	2.13
Earnings per common share - diluted	1.51	2.13
Dividends per common share (Voting and Series A Non-Voting)	1,680	1,646
Series A Non voting [Member]
Noninterest expense:
Earnings per common share- basic	1.51	2.13
Earnings per common share - diluted	1.51	2.13
Voting and Series A Non-Voting [Member]
Noninterest expense:
Dividends per common share (Voting and Series A Non-Voting)	$ 0.36	$ 0.36
Service Charges on Deposit Accounts [Member]
Noninterest income:
Noninterest income	$ 1,249	$ 1,126
Loan Servicing Fees [Member]
Noninterest income:
Noninterest income	307	363
Debit Card Interchange Fees [Member]
Noninterest income:
Noninterest income	616	867
Other Charges, Commissions & Fees [Member]
Noninterest income:
Noninterest income	$ 1,096	$ 1,771

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022
Consolidated Statements of Comprehensive Income [Abstract]
Net Income		$ 9,422	$ 13,033
Retirement Plans:
Retirement plan net gains recognized in plan expenses		222	2
Plan (losses) gains not recognized in plan expenses		257	(1,380)
Net unrealized gain on retirement plans		479	(1,378)
Available-for-sale securities:
Unrealized holding losses arising during the period		1,538	(14,448)
Reclassification adjustment for net (gains) losses included in net income		1,932	160
Net unrealized (losses) gains on available-for-sale securities		3,470	(14,288)
Derivatives and hedging activities:
Unrealized holding gains arising during the period		(474)	906
Net unrealized losses on derivatives and hedging activities		(474)	906
Accretion of net unrealized (losses) gains on securities transferred to held-to-maturity	[1]	0	(2)
Other comprehensive income (loss), before tax		3,475	(14,762)
Tax effect		(908)	3,858
Other comprehensive income (loss), net of tax		2,567	(10,904)
Comprehensive income (loss)		11,989	2,129
Comprehensive (loss) income, attributable to noncontrolling interest		129	101
Comprehensive income (loss) attributable to Pathfinder Bancorp, Inc.		11,860	2,028
Tax Effect Allocated to Each Component of Other Comprehensive Income
Retirement plan net losses recognized in plan expenses		(58)	0
Plan gains (losses) not recognized in plan expenses		(67)	(363)
Unrealized holding gains on available-for-sale securities arising during the period		(402)	3,775
Reclassification adjustment for net losses (gains) included in net income		(505)	(42)
Unrealized (gains) on derivatives and hedging arising during the period		124	(238)
Income tax effect related to other comprehensive (loss) income		$ (908)	$ 3,858
[1] The accretion of the unrealized holding losses in accumulated other comprehensive loss at the date of transfer at September 30, 2013 partially offsets the amortization of the difference between the par value and the fair value of the investment securities at the date of transfer, and is an adjustment of yield.

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Unearned ESOP [Member]	Non-controlling Interest [Member]	Non-Voting Common Stock [Member] Common Stock [Member]
Beginning balance at Dec. 31, 2021	$ 110,633	$ 46	$ 51,044	$ 60,946	$ (1,268)	$ (495)	$ 346	$ 14
Net Income	13,033			12,932			101
Other comprehensive income/loss, net of tax	(10,904)				(10,904)
ESOP shares earned	470		290			180
Stock based compensation	156		156
Stock options exercised, Shares		1
Stock options exercised	418		417
Common stock dividends declared	(1,646)			(1,646)
Non-Voting common stock dividends declared	(497)			(497)
Warrant dividends declared	(45)			(45)
Cumulative effect of affiliate capital allocation			194	368			174
Distributions from affiliates	(36)						(36)
Ending balance at Dec. 31, 2022	111,582	$ 47	52,101	71,322	(12,172)	(315)	585	14
Net Income	9,422			9,293			129
Other comprehensive income/loss, net of tax	2,567				2,567
ESOP shares earned	370		190			180
Stock based compensation	92		92
Stock options exercised	623		623
Common stock dividends declared	(1,680)			(1,680)
Non-Voting common stock dividends declared	(497)			(497)
Warrant dividends declared	(45)			(45)
Adoption of ASU 2016-13 Current Expected Credit Losses	(2,134)			(2,134)
Cumulative effect of affiliate capital allocation			108	(199)			91
Distributions from affiliates	(44)						(44)
Ending balance at Dec. 31, 2023	$ 120,256	$ 47	$ 53,114	$ 76,060	$ (9,605)	$ (135)	$ 761	$ 14

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
ESOP shares earned (in shares)	24,442	24,442
Common Stock, Dividends, Per Share, Declared	$ 0.36	$ 0.36
Dividends per non voting common share	0.36	0.36
Dividends per warrant	$ 0.36	$ 0.36

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
OPERATING ACTIVITIES
Net Income (Loss)	$ 9,293	$ 12,932
Adjustments to reconcile net income to net cash flows from operating activities:
Provision for credit losses	2,930	2,754
Deferred income tax expense	(367)	139
Proceeds from sales of loans	5,785	8,035
Originations of loans held-for-sale	(5,550)	(7,404)
Realized (gains) losses on sales, redemptions and calls of:
Real estate acquired through foreclosure	35	0
Loans	(216)	(137)
Available-for-sale investment securities	(80)	160
Held-to-maturity investment securities	19	9
Premises and equipment	0	(130)
Marketable equity securities	255	(352)
Impairment of asset	0	380
Depreciation	1,397	1,067
Amortization of mortgage servicing rights	(38)	(11)
Amortization of deferred loan fees and costs	(268)	385
Amortization of operating leases	(35)	(372)
Amortization of deferred financing from subordinated debt	181	170
Earnings on bank owned life insurance	(630)	(589)
Net amortization of premiums and discounts on investment securities	1,785	2,002
Amortization of intangible assets	16	16
Stock based compensation and ESOP expense	462	626
Net change in accrued interest receivable	(1,118)	(1,648)
Net change in other assets and liabilities	1,576	3,701
Net cash used in operating activities	15,432	21,733
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(99,086)	(52,375)
Purchase of investment securities held-to-maturity	(13,682)	(62,566)
Purchase of Federal Home Loan Bank stock	(19,738)	(15,896)
Proceeds from redemption of Federal Home Loan Bank stock	16,972	14,103
Purchase of marketable securities	(1,598)	(1,628)
Proceeds from maturities and principal reductions of investment securities available-for-sale	19,960	19,230
Proceeds from maturities and principal reductions of investment securities held-to-maturity	28,138	27,148
Proceeds from sales, redemptions and calls of:
Available-for-sale investment securities	17,396	8,358
Held-to-maturity investment securities	288	2,206
Real estate acquired through foreclosure	320	0
Marketable securities	0	714
Net change in loans	(1,792)	(66,302)
Purchase of premises and equipment	(1,966)	(1,898)
Insurance proceeds from fixed assets	0	66
Disposal of premises and equipment	0	(3,311)
Proceeds from sales of premises and equipment	0	991
Net cash used in investing activities	(54,788)	(131,160)
FINANCING ACTIVITIES
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits	(75,254)	5,337
Net change in time deposits	74,902	(26,079)
Net change in brokered deposits	(5,011)	90,826
Net change in short-term borrowings	65,347	47,833
Payments on long-term borrowings	(12,019)	(18,227)
Proceeds from long-term borrowings	6,274	9,293
Proceeds from exercise of stock options	623	418
Cash dividends paid to common voting shareholders	(1,690)	(1,568)
Cash dividends paid to common non-voting shareholders	(497)	(469)
Cash dividends paid on warrants	(45)	(43)
Change in noncontrolling interest, net	176	239
Net cash used in financing activities	52,806	107,560
Change in cash and cash equivalents	13,450	(1,867)
Cash and cash equivalents at beginning of year	35,282	37,149
Cash and cash equivalents at end of year	48,732	35,282
CASH PAID DURING THE YEAR FOR:
Interest	27,474	1,754
Income taxes	3,159	3,218
NON-CASH INVESTING ACTIVITY
Real estate acquired in exchange for loans	333	252
Transfer from net premises for held for sale investment	0	3,042
RESTRICTED CASH
Collateral deposits for hedge position included in cash and due from banks	$ 0	$ 1,600

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net Income (Loss)	$ 9,293	$ 12,932

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1: Summary of Significant Accounting Policies Nature of Operations The accompanying consolidated financial statements include the accounts of Pathfinder Bancorp, Inc. (the “Company”) and its wholly owned subsidiary, Pathfinder Bank (the “Bank”). The Company is a Maryland corporation headquartered in Oswego, New York. On October 16, 2014, the Company completed its conversion from the mutual holding company structure and the related public offering and is now a stock holding company that is fully owned by the public. As a result of the conversion, the mutual holding company and former mid-tier holding company were merged into Pathfinder Bancorp, Inc. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company. The Bank has two wholly owned operating subsidiaries, Pathfinder Risk Management Company, Inc. (“PRMC”) and Whispering Oaks Development Corp. All significant inter-company accounts and activity have been eliminated in consolidation. Although the Company owns, through its subsidiary PRMC, 51 % of the membership interest in FitzGibbons Agency, LLC (“FitzGibbons”), the Company is required to consolidate 100 % of FitzGibbons within the consolidated financial statements. The 49 % of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements. The Company has seven branch offices located in Oswego County, four branch offices in Onondaga County and one limited purpose office in Oneida County. The Company is primarily engaged in the business of attracting deposits from the general public in the Company’s market area, and investing such deposits, together with other sources of funds, in loans secured by commercial real estate, business assets, one-to-four family residential real estate and investment securities. Use of Estimates in the Preparation of Consolidated Financial Statements The preparation of consolidated financial statements in accordance with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Management has identified the allowance for credit losses, deferred income taxes, pension obligations, the annual evaluation of the Company’s goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available. The Company is subject to the regulations of various governmental agencies. The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations. Significant Group Concentrations of Credit Risk Most of the Company’s activities are with customers located primarily in Oswego and Onondaga counties of New York State. A large portion of the Company’s portfolio is centered in residential and commercial real estate. The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess of $ 400,000 . All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction. Note 4 discusses the types of securities that the Company invests in. Note 5 discusses the types of lending that the Company engages in. Advertising The Company generally follows the policy of charging the costs of advertising to expense as incurred. Expenditures for new marketing and advertising material designs and/or media content, related to specifically-identifiable marketing campaigns are capitalized and expensed over the estimated life of the campaign. Such periods of time are generally 12-24 months in duration and do not exceed 36 months. Noncontrolling Interest Noncontrolling interest represents the portion of ownership and profit or loss that is attributable to the minority owners of FitzGibbons. Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits (with original maturity of three months or less). Investment Securities The Company classifies investment securities as either available-for-sale or held-to-maturity. The Company does not hold any securities considered to be trading. Available-for-sale securities are reported at fair value, with net unrealized gains and losses reflected as a separate component of shareholders’ equity, net of the applicable income tax effect. Held-to-maturity securities are those that the Company has the ability and intent to hold until maturity and are reported at amortized cost. Gains or losses on investment security transactions are based on the amortized cost of the specific securities sold. Premiums and discounts on securities are amortized and accreted into income using the interest method over the period to maturity. The Company records its investment in marketable equity securities (“MES”) at fair value. Changes in the fair value of MES are recorded as additions to, or subtractions from, net income in the period that the change occurs. These changes in fair value are separately disclosed as gains (losses) on equity securities on the Consolidated Statements of Income. Note 4 to the consolidated financial statements includes additional information about the Company’s accounting policies with respect to the impairment of investment securities. Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank (“FHLB”) system to hold stock of its district FHLB according to a predetermined formula. The stock is carried at cost. Transfers of Financial Assets Transfers of financial assets, including sales of loans and loan participations, are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Loans The Company grants mortgage, commercial, municipal, and consumer loans to customers. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for credit losses plus net deferred loan origination costs. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area. Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received and related direct origination costs incurred are deferred and amortized over the life of the loan using the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are recorded to income immediately upon prepayment of the related loan. The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans. The residential mortgage segment consists of one-to-four family first-lien residential mortgages and construction loans. Commercial loans consist of the following classes: real estate, lines of credit, other commercial and industrial, and tax-exempt loans. Consumer loans include both home equity lines of credit and loans with junior liens and other consumer loans. Allowance for Credit Losses In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (ASU) 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments , requiring financial institutions, such as the Bank, to adopt the Current Expected Credit Loss (“CECL”) methodology according to a specified implementation timeline. In order to meet this timeline requirement, the Bank adopted the CECL methodology for calculating its ACL on January 1, 2023. The amended guidance replaced the previously-required allowance for loan and lease losses (“ALLL”) calculated under what was known as the Incurred Loss Model ("ILM"). The ACL represents a valuation account that is deducted from the amortized cost basis of includable financial assets to present their net carrying value at the amount expected to be collected over the entire life of those assets. The income statement now reflects the measurement of credit losses for newly recognized financial assets as well as expected increases, or decreases, of expected credit losses that have taken place during the reporting period. When determining the ACL, expected credit losses over the expected term of the financial asset will be estimated considering relevant information about past events, current conditions, and reasonable and supportable forecasts that affect the future collectability of the reported amount. In addition, the amended guidance requires credit losses relating to assets such as held-to-maturity debt securities and open contractual funding commitments to be recorded through the ACL. Because the CECL methodology requires that reserves be established within the ACL for a broad range of financial assets, including all loans, through the entirety of their expected lives and also considers new items, such as open funding commitments, the initial ACL upon adoption would, in most cases, be expected to be greater than the ALLL that it replaced. At December 31, 2022 the Company calculated its ALLL utilizing the ILM methodology, as required under GAAP on that date. As noted above, on January 1, 2023, the Company adopted the CECL model methodology in accordance with GAAP requirements that became effective on that date. At December 31, 2022 the Company had a total ALLL of $ 15.3 million, of which $ 4.8 million was related to specifically-identified loans and $ 10.5 million was related to loans analyzed collectively on an aggregate pool basis. On January 1, 2023 the Company recorded a one-time CECL transition adjustment (recorded as an adjustment, net of taxes, to retained earnings) of $ 1.9 million that reversed the $ 10.5 million in the December 31, 2022 ALLL, that was related to pooled loans, evaluated collectively in the aggregate, as previously calculated under the phased-out ILM methodology, and replaced it with the ACL, as calculated under CECL, in the amount of $ 12.4 million. The $ 12.4 million CECL ACL at January 1, 2023 was composed of $ 8.4 million in reserves calculated using quantitative methodologies based on historical loss experience and $ 4.0 million based on qualitative factors, as determined by management. The $ 4.8 million in ALLL related to specifically-identified loans at December 31, 2022 was not affected by the transition to the CECL methodology at January 1, 2023. See Note 6 of the accompanying financial statements for a further discussion of this transition. The January 1, 2023 transition to CECL also required that new reserves be created in the amounts of $ 450,000 and $ 552,000 , related to held-to-maturity investments and unfunded commitments, respectively. Including the $ 1.9 million CECL transition adjustment related to loans, described above, the total CECL transition adjustment was $ 2.1 million, net of the effects of tax, on January 1, 2023, which was recorded in retained earnings on that date. Management extensively reviews recent trends in historical losses, qualitative factors, including concentrations of loans to related borrowers and concentrations of loans by collateral type, and specific reserve requirements on loans individually evaluated in its determination of the adequacy of the credit losses. Therefore, the allowance for credit losses (ACL) represents management’s estimate of losses inherent in credit-exposed asset portfolios, including the loan portfolio, unfunded loan commitments and the investment securities portfolio classified as held-to maturity (HTM). The allowance is increased by the provision for credit losses, and decreased by charge-offs, net of recoveries. The ACL is established as of the date of the statement of condition and it is recorded as a reduction of either loans or HTM securities or as an other liability, in the case of unfunded loan commitments, in accordance with generally accepted accounting principles (GAAP). The ACL is evaluated on a regular basis and established through charges to earnings in the form of a provision (benefit) for credit losses. When a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Portfolio Segmentation and “Pooled Loans” Calculation Loans are pooled based on their homogeneous risk characteristics. Once loans have been segmented into pools, a loss rate is applied to the amortized cost basis. The Company has divided its portfolio into discrete segments, as the loans within the segments have similar characteristics. Characteristics considered include: purpose, tenor, amortization, repayment source, payment frequency, collateral and recourse. The Company's identified portfolio segments include commercial loans/lines, commercial mortgages, consumer loans residential lines of credit, and residential loans, as well as certain subcategories of these loan types. The Company utilizes the Discounted Cash Flow (“DCF”) method for its pooled segment calculation. The DCF method implements a probability of default with loss given default and loss exposure at default estimation. The probability of default and loss given default are applied to expected future cash flows to the exposures at the projected point of loss occurrence, including estimates of borrower prepayment activity, that are adjusted to present value and these discounted expected losses become the quantitatively-derived portion of the ACL. DCF analysis is reliant upon a variety of loan-level data, peripheral model outputs and key assumptions. The data fields required to create the contractual portion of the forward-looking cash flow schedule relate to the terms of each loan and include information regarding payment amount, payment frequency, interest rate, interest type, maturity date, amortization term, etc. Contractual terms must be adjusted for prepayments to arrive at expected cash flows. The Company modeled amortizing/installment notes with a prepayment rate, annualized to one-year. For loans where principal collection is dominated by borrower election, e.g., lines of credit, interest-only, etc., and not by contractual obligation, the Company modeled a statistical tendency to repay as a curtailment rate, normalized to a one-year rate. The Company uses forecasts to predict how modeled economic factors will perform. The Company currently elects to forecast economic factors over a period for which it can produce a reliable and defensible forecast from widely accepted economic forecast resources. After the forecast period, the following eight quarters are reverted on a straight-line basis to the economic factor’s average. The Company uses an eight-quarter straight-line reversion to reduce the potential for a spike impact on the model caused by a rapid reversion. Additionally, as the Company is past its point of forecast, a straight-line reversion represents a most-likely scenario absent a reasonable and supportable forecast. In the Company’s analysis at the portfolio level, it found that the best model for predicting defaults considers economic metrics such as the National Unemployment Rate, the U.S. Federal Housing Finance Agency National House Price Index and the U.S. Retail Sales Index. With the large number of observations afforded by using peer data, the default curve is less sensitive to unusual loss events and has a much smoother shape. These metrics are considered to be extremely strong predictors of defaults and explain almost all variation in the default rate. The reserve is calculated based on a life of loan basis. The life of loan is assumed with consideration of prepayments and contractual maturity dates. If a given loan does not have a populated maturity date, based upon historical experience, the Company elected to amortize the loan for a length of time equal to the average life of the loan’s segment before the remaining balance will balloon with the exception of Commercial Demand Lines of Credit where the Company uses one year, reflecting the demand nature of these exposures. Management also considers Qualitative Factors (“QF”) that are likely to cause estimated credit losses with the Company’s existing portfolio to differ from historical loss experience, including but not limited to: national and local economic trends and conditions, levels and trends in delinquencies, non-accrual loans and classified assets, trends in volume, terms and concentrations of loans, changes in lending policies and procedures, quality of credit review function and administration, and changes in regulatory environment, management, markets and product offerings. The Company quarterly assesses the magnitude of QF adjustments necessary to be applied to the quantitatively-derived ACL in order to incorporate forward-looking projections in its final evaluation of current expected credit losses. Specifically-Identified Loans Excluded from pooled analysis are loans to be individually evaluated due to the assets not maintaining similar risk characteristics to those in the designated pool segments. These loans are generally considered to be collateral dependent and, therefore, an analysis of the collateral position versus the pooled loan discounted cash flow approach better reflects the potential loss. Specifically-identified accounts include: loans over 90 days past due, loans to borrowers experiencing financial difficulty, loans placed on non-accrual status and classified assets with exposure greater than $ 300,000 for residential and consumer loans, and $ 100,000 for commercial lines and loans, commercial real estate and tax-exempt loans. Held to Maturity (“HTM”) Debt Securities The Company’s HTM debt securities are also required to utilize the current expected credit losses approach to estimate expected credit losses. The Company’s HTM debt securities included securities that are issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as “risk free,” and have a long history of zero credit loss. The Company also carries a portfolio of HTM municipal bonds and privately issued mortgage- and asset-backed securities. The Company measures its allowance for credit losses on HTM debt securities on a collective basis by major security type. The estimate is based on historical credit losses, if any, adjusted for current conditions and reasonable and supportable forecasts. The Company considers the nature of the collateral, potential future changes in collateral values and available loss information. Available for Sale (“AFS”) Debt Securities For AFS securities in an unrealized loss position, the Company first assesses whether (i) it intends to sell, or (ii) it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis. If either case is affirmative, any previously recognized allowances are charged-off and the security’s amortized cost is written down to fair value through income. If neither case is affirmative, the security is evaluated to determine whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency and any adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Adjustments to the allowance are reported in our income statement as a component of provision for credit losses. AFS securities are charged-off against the allowance or, in the absence of any allowance, written down through income when deemed uncollectible by management or when either of the aforementioned criteria regarding intent or requirement to sell is met. Accrued Interest Receivable Accrued interest receivable balances are presented separately within other assets on the statement of financial condition. Accrued interest receivable that is included in the amortized cost of financial receivables and debt securities are excluded from related disclosure requirements. The Company does not measure an allowance for credit losses for accrued interest receivable as the Company writes off accrued interest receivable, in a timely manner, by reversing interest income. For commercial loans, the write off typically occurs upon becoming 90 days past due. For consumer loans, the write off typically occurs upon becoming 120 days past due. Historically, the Company has not experienced uncollectible accrued interest receivable on its investment securities. However, the Company would generally write off accrued interest receivable by reversing interest income if the Company does not reasonably expect to receive payments. Due to the timely manner in which accrued interest receivables are written off, the amounts of such write offs are immaterial. Reserve for Unfunded Commitments The reserve for unfunded commitments (the “Unfunded Reserve”) represents the expected credit losses on off-balance sheet commitments such as unfunded commitments to extend credit and standby letters of credit. However, a liability is not recognized for commitments unconditionally cancellable by the Company. The Unfunded Reserve is recognized as a liability (other liabilities in the consolidated statements of financial condition), with adjustments to the reserve recognized as a provision for credit loss expense in the consolidated statements of income. The Unfunded Reserve is determined by estimating expected future fundings, under each segment, and applying the expected loss rates. Expected future fundings are based on historical averages of funding rates (i.e., the likelihood of draws taken). Average funding rates are determined based on the most recent 20 quarters ( 5 years ) of actual fundings on lines of credit. The average funding rate for each segment is compared to the current funding rate on each line to determine the average fundings available to be drawn. The fund up rate (the difference between the average funding rate and the current funding rate) for each segment is then applied within the Current Expected Credit Losses (“CECL”) model to the unfunded commitment balance to estimate the expected future fundings under each segment. The loss rate derived for each segment in the current CECL calculation is then applied to the expected future fundings to derive the estimate of allowance for credit losses for unfunded commitments. Income Recognition o n Specifically-Identified and Nonaccrual Loans For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing. A loan may remain on accrual status if it is either well secured or guaranteed and in the process of collection. When a loan is placed on nonaccrual status, unpaid interest is reversed and recorded to interest income. Interest received on nonaccrual loans, including specifically-identified loans, generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, generally six months , and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Nonaccrual loans are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification. For nonaccrual loans, when future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis when payments are made. In the case where a nonaccrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for credit losses until prior charge-offs have been fully recovered. Off-Balance Sheet Credit Related Financial Instruments In the ordinary course of business, the Company enters into commitments to extend credit, including commitments under standby letters of credit. Such financial instruments are recorded when they are funded. Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on a straight-line basis over the estimated useful lives of the related assets, ranging up to 40 years for premises and leasehold improvements and 10 years for equipment. Maintenance and repairs are recorded to operating expenses as incurred. The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income. Foreclosed Real Estate Physical possession of residential real estate property collateralizing a residential mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed-in-lieu of foreclosure or through a similar legal agreement. Properties acquired through foreclosure, or by deed-in-lieu of foreclosure, are recorded at their fair value less estimated costs to sell. Fair value is typically determined based on evaluations by third parties. Costs incurred in connection with preparing the foreclosed real estate for disposition are capitalized to the extent that they enhance the overall fair value of the property. Any write-downs on the asset’s fair value less costs to sell at the date of acquisition are recorded to the allowance for credit losses. Subsequent write downs and expenses of foreclosed real estate are included as a valuation allowance and recorded in noninterest expense. Goodwill and Intangible Assets Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired. Goodwill is not amortized, but is evaluated annually or when there is a triggering event for impairment. Intangible assets, such as customer lists, are amortized over their useful lives, generally 15 years. Mortgage Servicing Rights Originated mortgage servicing rights are recorded at their fair value at the time of transfer of the related loans and are amortized in proportion to, and over the period of, estimated net servicing income or loss. The carrying value of the originated mortgage servicing rights is periodically evaluated for impairment or between annual evaluations under certain circumstances. Stock-Based Compensation Compensation costs related to share-based payment transactions are recognized based on the grant-date fair value of the stock-based compensation issued. Compensation costs are recognized over the period that an employee provides service in exchange for the award. Compensation costs related to the Employee Stock Ownership Plan are dependent upon the average stock price and the shares committed to be released to plan participants through the period in which income is reported. Retirement Benefits The Company has a non-contributory defined benefit pension plan that covered substantially all employees. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan. The plan was frozen on June 30, 2012. Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date. Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. Pension expense under these plans is recorded to current operations and consists of several components of net pension cost based on various actuarial assumptions regarding future experience under the plans. Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit cost are recognized in accumulated other comprehensive loss, net of tax effects, until they are amortized as a component of net periodic cost. Plan assets and obligations are measured as of the Company’s statement of condition date. The Company has unfunded deferred compensation and supplemental executive retirement plans for selected current and former employees and officers that provide benefits that cannot be paid from a qualified retirement plan due to Internal Revenue Code restrictions. These plans are nonqualified under the Internal Revenue Code, and assets used to fund benefit payments are not segregated from other assets of the Company, therefore, in general, a participant's or beneficiary's claim to benefits under these plans is as a general creditor. The Bank sponsors an Employee Stock Ownership Plan (“ESOP”) covering substantially all full time employees. The cost of shares issued to the ESOP but not committed to be released to the participants is presented in the consolidated statement of condition as a reduction of shareholders’ equity. ESOP shares are released to the participants on an annual basis in accordance with a predetermined schedule. The Company records ESOP compensation expense based on the shares committed to be released and allocated to the participant’s accounts multiplied by the average share price of the Company’s stock over the period. Dividends related to unallocated shares are recorded as compensation expense. Derivative Financial Instruments Derivatives are recorded on the statement of condition as assets and liabilities measured at their fair value. The accounting for changes in the fair value of a derivative depends on whether or not the derivative has been designated and qualifies as part of a hedging relationship. The Company acquires derivatives with the intent of designating and qualifying those instruments as part of hedging relationshi

New Accounting Pronouncements

New Accounting Pronouncements	12 Months Ended
	Dec. 31, 2023
Accounting Standards Update and Change in Accounting Principle [Abstract]
New Accounting Pronouncements	Note 2: New Accounting Pronouncements The Financial Accounting Standards Board (“FASB”) and, to a lesser extent, other authoritative rulemaking bodies promulgate GAAP to regulate the standards of accounting in the United States. From time to time, the FASB issues new GAAP standards, known as Accounting Standards Updates (“ASUs”) some of which, upon adoption, may have the potential to change the way in which the Company recognizes or reports within its consolidated financial statements. The following table provides a description of standards that have not yet been adopted as of December 31, 2023, but could have an impact on the Company's consolidated financial statements upon adoption. Standards Adopted as of December 31, 2023 Standard Description Required Date Effect on Consolidated Financial Statements Measurement of Credit Losses on Financial Instruments (ASU 2016-13: Financial Instruments—Credit Losses [Topic 326]: Measurement of Credit Losses on Financial Instruments) The amended guidance replaced the previously-required (through December 31, 2022) incurred loss model for determining the allowance for credit losses with the current expected credit loss ("CECL") model. The new guidance requires financial assets measured at amortized cost to be presented at the net amount expected to be collected. The allowance for credit losses now represents a valuation account that is deducted from the amortized cost basis of the financial assets to present their net carrying value at the amount expected to be collected. The income statement will now reflect the measurement of credit losses for newly recognized financial assets as well as expected increases or decreases of expected credit losses that have taken place during the reporting period. When determining the allowance, expected credit losses over the contractual term of the financial asset(s) (taking into account prepayments) will be estimated considering relevant information about past events, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. The amended guidance also requires recording an allowance for credit losses for purchased financial assets with a more-than-insignificant amount of credit deterioration since origination. The initial allowance for these assets will be added to the purchase price at acquisition rather than being reported as an expense. Subsequent changes in the allowance will be recorded through the income statement as an expense adjustment. In addition, the amended guidance requires credit losses relating to financial assets, such as debt securities categorized as held-to-maturity and noncancelable unfunded commitments to be recorded through the allowance for credit losses. January 1, 2023 The Company adopted the new guidance on January 1, 2023. On that date, the Company recorded one-time CECL transition adjustments, thereby increasing the Company's allowance for credit losses on loans by $ 1.9 million, decreasing the recorded book value of held-to-maturity securities by $ 450,000 and increasing other liabilities by $ 552,000 for credit losses associated with unfunded contractual commitments on financial assets. As a component of these transition adjustments, the Company's deferred tax asset balance (a component of other assets on the Statement of Financial Conditions) increased by $ 754,000 . These entries resulted in a one-time reduction in the Company's retained earnings (a component of Shareholders' Equity) of $ 2.1 million on the adoption date. In accordance with the new guidance these one-time transitional adjustments were not recorded as a component of the provision for credit losses in the first quarter of 2023 and, therefore, had no effect on reported net income in that quarterly reporting period. Standard Description Required Date Effect on Consolidated Financial Statements Derivatives and Hedging (Topic 815): Fair Value Hedging - Portfolio Layer Method (ASU 2022-01) The amendments allow multiple hedged layers to be designated for a single closed portfolio of financial assets or one or more beneficial interests secured by a portfolio of financial instruments. If multiple hedged layers are designated, the amendments require an analysis to be performed to support the expectation that the aggregate amount of the hedged layers is anticipated to be outstanding for the designated hedge periods. Only closed portfolios may be hedged under the portfolio layer method (that is, no assets can be added to the closed portfolio once established), however, designating new hedging relationships and dedesignating existing hedging relationships associated with the closed portfolio any time after the closed portfolio is established is permitted. January 1, 2023 At January 1, 2023 the Company did not have any designated hedging relationships that would meet the criteria of a multiple hedged layers interest rate swap contract. Therefore the adoption of this standard had no impact on the Company’s consolidated statements of condition or income at the date of adoption. During 2023, the Company entered into an amortizing fixed-pay interest rate swap with an initial notional amount of $ 100.0 million and five fixed pay interest rate swaps with an aggregate notional amount of $ 50.0 million. Each of these transactions would qualify as multiple hedged layers fair value hedging contracts under the new standard. See Note 21 within the consolidated financial statements. Standards Not Yet Adopted as of December 31, 2023 Standard Description Required Date Effect on Consolidated Financial Statements Reference Rate Reform (ASU 2020-04: Facilitation of the Effects of Reference Rate Reform on Financial Reporting [Topic 848]: Deferral of the Sunset Date of Topic 848) The amendments provide optional expedients and exceptions for applying generally accepted accounting principles (GAAP) to contracts, hedging relationships, and other transactions affected by reference rate reform. The amendments apply only to contracts, hedging relationships, and other transactions that reference LIBOR or another reference rate expected to be discontinued because of reference rate reform. The amendments (1) apply to contract modifications that replace a reference rate affected by reference rate reform, (2) provide exceptions to existing guidance related to changes to the critical terms of a hedging relationship due to reference rate reform (3) provide optional expedients for fair value hedging relationships, cash flow hedging relationships, and net investment hedging relationships, and (4) provide a onetime election to sell, transfer, or both sell and transfer debt securities classified as held-to-maturity that reference a rate affected by reference rate reform and that are classified as held-to-maturity before January 1, 2020. In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848): Scope. ASU 2021-01 clarifies that certain optional expedients and exceptions in ASC 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. ASU 2021-01 also amends the expedients and exceptions in ASC 848 to capture the incremental consequences of the scope clarification and to tailor the existing guidance to derivative instruments affected by the discounting transition. Upon issuance, January 7, 2021, through December 31, 2024, as amended by ASU 2022-06. The adoption of this ASU is not expected to have a material impact to the Company's consolidated statements of condition or income. Standard Description Required Date Effect on Consolidated Financial Statements Income taxes (Topic 740): Improvements to Income Tax Disclosures 2023-09 Amendments to ASC740 are being made to enhance the transparency and decision usefulness of income tax disclosures. The enhancements are made to provide information to better assess how an entity's operations and related tax risks and tax planning and operational opportunities affect its tax rate and prospects for future cash flows. The objective of these disclosure requirements is for an entity, particularly an entity operating in multiple jurisdictions, to disclose sufficient information to enable users of financial statements to understand the nature and magnitude of factors contributing to the difference between the effective tax rate and the statutory tax rate. Public business entities are required to apply this guidance to annual periods beginning after December 15, 2024. The adoption of this ASU is not expected to have a material impact to the Company's consolidated statements of condition or income.

Earnings per Share

Earnings per Share	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
Earnings Per Share	NOTE 3: EARNINGS PER SHARE Following shareholder approval received on June 4, 2021, the Company converted 1,380,283 shares of its Series B Convertible Perpetual Preferred Stock to an equal number of shares of its newly-created Series A Non-Voting Common Stock. The conversion, which was effective on June 28, 2021, represented 100% of the Company's Convertible Perpetual Preferred Stock outstanding at the time of the conversion and retired the Convertible Perpetual Preferred Stock in perpetuity. The Company has voting common stock, non-voting common stock and a warrant that are all eligible to participate in dividends equal to the voting common stock dividends on a per share basis. Securities that participate in dividends, such as the Company’s non-voting common stock and warrant, are considered “participating securities.” The Company calculates net income available to voting common shareholders using the two-class method required for capital structures that include participating securities. In applying the two-class method, basic net income per share was calculated by dividing net income (less any dividends on participating securities) by the weighted average number of shares of common stock and participating securities outstanding for the period. Diluted earnings per share may include the additional effect of other securities, if dilutive, in which case the dilutive effect of such securities is calculated by applying either the two-class method or the Treasury Stock method to the assumed exercise or vesting of potentially dilutive common shares. The method yielding the more dilutive result is ultimately reported for the applicable period. Potentially dilutive common stock equivalents primarily consist of employee stock options and restricted stock units. Unallocated common shares held by the ESOP are not included in the weighted average number of common shares outstanding for purposes of calculating earnings per common share until they are committed to be released to plan participants. Anti-dilutive shares are common stock equivalents with average exercise prices in excess of the weighted average market price for the period presented. Anti-dilutive stock options, not included in the computation below, were $- 0 - for the years ended 2023 and 2022, respectively. The following table sets forth the calculation of basic and diluted earnings per share. Years Ended December 31, (In thousands, except share and per share data) 2023 2022 Net income attributable to Pathfinder Bancorp, Inc. $ 9,293 $ 12,932 Series A Non-Voting Common Stock dividends 497 497 Warrant dividends 45 45 Undistributed earnings allocated to participating securities 1,729 2,667 Net income available to common shareholders-Voting $ 7,022 $ 9,723 Net income attributable to Pathfinder Bancorp, Inc. $ 9,293 $ 12,932 Voting Common Stock dividends 1,680 1,646 Warrant dividends 45 45 Undistributed earnings allocated to participating securities 5,487 8,298 Net income available to common shareholders-Series A Non-Voting $ 2,081 $ 2,943 Basic and diluted weighted average common shares outstanding-Voting 4,653 4,559 Basic and diluted weighted average common shares outstanding-Series A Non-Voting 1,380 1,380 Basic and diluted earnings per common share-Voting $ 1.51 $ 2.13 Basic and diluted earnings per common share-Series A Non-Voting $ 1.51 $ 2.13

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Investment Securities	NOTE 4: INVESTMENT SECURITIES The amortized cost and estimated fair value of investment securities are summarized as follows: December 31, 2023 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 82,588 $ 754 $ ( 3,259 ) $ 80,083 State and political subdivisions 34,588 145 ( 1,809 ) 32,924 Corporate 11,008 276 ( 365 ) 10,919 Asset backed securities 20,251 - ( 359 ) 19,892 Residential mortgage-backed - US agency 25,446 57 ( 1,085 ) 24,418 Collateralized mortgage obligations - US agency 13,058 116 ( 995 ) 12,179 Collateralized mortgage obligations - Private label 81,812 128 ( 3,845 ) 78,095 Total 268,751 1,476 ( 11,717 ) 258,510 Equity investment securities: Common stock - financial services industry 206 - - 206 Total 206 - - 206 Total available-for-sale $ 268,957 $ 1,476 $ ( 11,717 ) $ 258,716 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 3,760 $ - $ ( 304 ) $ 3,456 State and political subdivisions 16,576 28 ( 1,874 ) 14,730 Corporate 45,427 9 ( 3,281 ) 42,155 Asset backed securities 16,860 - ( 1,180 ) 15,680 Residential mortgage-backed - US agency 6,974 15 ( 665 ) 6,324 Collateralized mortgage obligations - US agency 13,221 - ( 1,293 ) 11,928 Collateralized mortgage obligations - Private label 76,819 120 ( 3,178 ) 73,761 Total 179,637 172 ( 11,775 ) 168,034 Less: Allowance for credit losses 351 - - - Total held-to-maturity $ 179,286 $ 172 $ ( 11,775 ) $ 168,034 December 31, 2022 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 32,533 $ 37 $ ( 3,206 ) $ 29,364 State and political subdivisions 48,002 384 ( 3,001 ) 45,385 Corporate 11,803 676 ( 650 ) 11,829 Asset backed securities 16,059 - ( 659 ) 15,400 Residential mortgage-backed - US agency 17,982 - ( 1,582 ) 16,400 Collateralized mortgage obligations - US agency 13,070 - ( 1,362 ) 11,708 Collateralized mortgage obligations - Private label 65,781 8 ( 4,355 ) 61,434 Total 205,230 1,105 ( 14,815 ) 191,520 Equity investment securities: Common stock - financial services industry 206 - - 206 Total 206 - - 206 Total available-for-sale $ 205,436 $ 1,105 $ ( 14,815 ) $ 191,726 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 3,852 $ - $ ( 280 ) $ 3,572 State and political subdivisions 15,211 - ( 2,340 ) 12,871 Corporate 45,086 2 ( 2,586 ) 42,502 Asset backed securities 19,158 - ( 1,291 ) 17,867 Residential mortgage-backed - US agency 7,489 - ( 739 ) 6,750 Collateralized mortgage obligations - US agency 15,109 - ( 1,251 ) 13,858 Collateralized mortgage obligations - Private label 88,497 4 ( 4,430 ) 84,071 Total held-to-maturity $ 194,402 $ 6 $ ( 12,917 ) $ 181,491 A substantial percentage of the Company’s investments in mortgage-backed securities include pass-through securities and collateralized mortgage obligations issued and guaranteed by Fannie Mae, Freddie Mac, and Ginnie Mae. At December 31, 2023, the Company also held a total of 119 private-label mortgage-backed securities, collateralized mortgage obligations or asset-backed securities with an aggregate book balance of $ 195.7 million. At December 31, 2022, the Company also held a total of 100 private-label mortgage-backed securities, collateralized mortgage obligations or asset-backed securities with an aggregate book balance of $ 169.8 million. These investments are relatively short-duration securities with significant credit enhancements. The Company’s investments in state and political obligation securities are generally municipal obligations that are categorized as general obligations of the issuer that are supported by the overall taxing authority of the issuer, and in some cases are insured. The obligations issued by school districts are generally supported by state administered insurance funds or credit enhancement programs. The amortized cost and estimated fair value of debt investment securities at December 31, 2023 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties. Available-for-Sale Held-to-Maturity Amortized Estimated Amortized Estimated (In thousands) Cost Fair Value Cost Fair Value Due in one year or less $ 10,100 $ 10,358 $ 2,420 $ 2,402 Due after one year through five years 9,197 8,741 18,568 18,173 Due after five years through ten years 39,941 36,586 43,458 39,368 Due after ten years 89,197 88,133 18,177 16,078 Sub-total 148,435 143,818 82,623 76,021 Residential mortgage-backed - US agency 25,446 24,418 6,974 6,324 Collateralized mortgage obligations - US agency 13,058 12,179 13,221 11,928 Collateralized mortgage obligations - Private label 81,812 78,095 76,819 73,761 Totals $ 268,751 $ 258,510 $ 179,637 $ 168,034 The Company’s debt investment securities’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows: December 31, 2023 Less than Twelve Months Twelve Months or More Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair (Dollars in thousands) Securities Losses Value Securities Losses Value Securities Losses Value Available-for-Sale Portfolio US Treasury, agencies and GSE's 3 $ ( 13 ) $ 5,990 3 $ ( 3,246 ) $ 25,794 6 $ ( 3,259 ) $ 31,784 State and political subdivisions - - - 20 ( 1,809 ) 26,432 20 ( 1,809 ) 26,432 Corporate - - - 5 ( 365 ) 4,351 5 ( 365 ) 4,351 Asset backed securities 3 ( 65 ) 5,907 10 ( 294 ) 13,985 13 ( 359 ) 19,892 Residential mortgage-backed - US agency 1 ( 14 ) 2,477 15 ( 1,071 ) 14,931 16 ( 1,085 ) 17,408 Collateralized mortgage obligations - US agency - - - 11 ( 995 ) 8,123 11 ( 995 ) 8,123 Collateralized mortgage obligations - Private label 10 ( 274 ) 18,067 33 ( 3,571 ) 46,483 43 ( 3,845 ) 64,550 Totals 17 $ ( 366 ) $ 32,441 97 $ ( 11,351 ) $ 140,099 114 $ ( 11,717 ) $ 172,540 Held-to-Maturity Portfolio US Treasury, agencies and GSE's - $ - $ - 2 $ ( 304 ) $ 3,456 2 $ ( 304 ) $ 3,456 State and political subdivisions 4 ( 2 ) 575 14 ( 1,872 ) 12,718 18 ( 1,874 ) 13,293 Corporate 1 ( 61 ) 439 39 ( 3,220 ) 33,532 40 ( 3,281 ) 33,971 Asset backed securities 2 ( 8 ) 2,877 8 ( 1,172 ) 10,652 10 ( 1,180 ) 13,529 Residential mortgage-backed - US agency - - - 7 ( 665 ) 4,942 7 ( 665 ) 4,942 Collateralized mortgage obligations - US agency - - - 10 ( 1,293 ) 11,928 10 ( 1,293 ) 11,928 Collateralized mortgage obligations - Private label 4 ( 38 ) 5,827 43 ( 3,140 ) 60,260 47 ( 3,178 ) 66,087 Totals 11 $ ( 109 ) $ 9,718 123 $ ( 11,666 ) $ 137,488 134 $ ( 11,775 ) $ 147,206 December 31, 2022 Less than Twelve Months Twelve Months or More Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair (Dollars in thousands) Securities Losses Value Securities Losses Value Securities Losses Value Available-for-Sale Portfolio US Treasury, agencies and GSE's - $ - $ - 3 $ ( 3,206 ) $ 26,167 3 $ ( 3,206 ) $ 26,167 State and political subdivisions 10 ( 830 ) 12,601 17 ( 2,171 ) 20,128 27 ( 3,001 ) 32,729 Corporate 7 ( 269 ) 5,720 2 ( 381 ) 1,319 9 ( 650 ) 7,039 Asset backed securities 5 ( 148 ) 5,473 5 ( 511 ) 9,926 10 ( 659 ) 15,399 Residential mortgage-backed - US agency 10 ( 131 ) 2,747 5 ( 1,451 ) 13,653 15 ( 1,582 ) 16,400 Collateralized mortgage obligations - US agency 6 ( 238 ) 4,009 6 ( 1,124 ) 7,700 12 ( 1,362 ) 11,709 Collateralized mortgage obligations - Private label 15 ( 1,684 ) 20,429 19 ( 2,671 ) 33,707 34 ( 4,355 ) 54,136 Totals 53 $ ( 3,300 ) $ 50,979 57 $ ( 11,515 ) $ 112,600 110 $ ( 14,815 ) $ 163,579 Held-to-Maturity Portfolio US Treasury, agencies and GSE's 2 $ ( 280 ) $ 3,573 - $ - $ - 2 $ ( 280 ) $ 3,573 State and political subdivisions 7 ( 871 ) 7,277 7 ( 1,469 ) 5,077 14 ( 2,340 ) 12,354 Corporate 31 ( 1,786 ) 29,213 9 ( 800 ) 6,803 40 ( 2,586 ) 36,016 Asset backed securities 6 ( 625 ) 9,742 3 ( 666 ) 3,674 9 ( 1,291 ) 13,416 Residential mortgage-backed - US agency 10 ( 736 ) 6,577 1 ( 3 ) 107 11 ( 739 ) 6,684 Collateralized mortgage obligations - US agency 10 ( 1,236 ) 12,965 1 ( 15 ) 892 11 ( 1,251 ) 13,857 Collateralized mortgage obligations - Private label 38 ( 2,719 ) 58,061 8 ( 1,711 ) 12,532 46 ( 4,430 ) 70,593 Totals 104 $ ( 8,253 ) $ 127,408 29 $ ( 4,664 ) $ 29,085 133 $ ( 12,917 ) $ 156,493 Credit-related Impairment The Company conducts a formal review of investment securities on a quarterly basis for the presence of credit-related impairment. The Company assesses whether credit-related impairment is present when the fair value of a debt security is less than its amortized cost basis at the statement of condition date. Under these circumstances, impairment is considered to have occurred (1) if we intend to sell the security; (2) if it is “more likely than not” we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not anticipated to be sufficient to recover the entire amortized cost basis. The guidance requires that credit-related impairment is recognized in earnings while non-credit-related price depreciation for securities categorized as available-for-sale not expected to be sold is recognized in other comprehensive income (“OCI”). Non-credit-related market price depreciation is based on other factors, including illiquidity and changes in the general interest rate environment. Presentation of credit-related impairment, when present, is made in the consolidated statement of income on a gross basis, including both the portion recognized in earnings, as well as the portion recorded in OCI. Management does not believe any unrealized losses in individual investment securities within the portfolio as of December 31, 2023 represent credit-related impairment. There were a total of 97 securities classified as available-for-sale with an aggregate amortized historical cost of $ 151.4 million and an unrealized aggregate loss of $ 11.3 million, or - 7.5 %, that were in an unrealized loss position for 12 months or longer at December 31, 2023. In addition, there were 123 securities classified as held-to-maturity with an aggregate amortized historical cost of $ 149.2 million and an unrealized aggregate loss of $ 11.7 million, or - 7.8 %, that were in an unrealized loss position for 12 months or longer at December 31, 2023. In total, therefore, at December 31, 2023 there were 220 securities with an aggregate book value of $ 300.6 million and an aggregate fair value of $ 277.6 million, representing a loss of $ 23.0 million, or - 7.7 %, that were in an unrealized loss position for 12 months or more on that date. All of the securities which have been in an unrealized loss position for 12 months or more at December 31, 2023 have been individually analyzed and none of the securities are considered to be impaired. These securities have unrealized losses primarily due to fluctuations in general interest rates or changes in expected prepayments. In all cases, price improvement in future periods will be realized as the issuances approach maturity. Of the 220 securities in an unrealized loss position for 12 months or more at December 31, 2023, 48 securities, with aggregate amortized cost balances of $ 76.7 million and representing 25.5 % of the aggregate amortized cost of all securities in an unrealized loss position for 12 months or more, are issued by the United States government or GSEs (collectively, "government-issued securities") and are therefore either explicitly or implicitly guaranteed as to the timely payment of contractual principal and interest These positions are deemed to have no credit impairment, thus, the disclosed unrealized losses relate primarily to changes in prevailing interest rates. The following table depicts a roll forward of the allowance for credit losses on held-to-maturity investment securities for the year ended December 31, 2023: (In thousands) Government Issued and Government Sponsored Enterprise Securities Mortgage and Asset-backed Securities Securities Issued By State and Political Subdivisions Corporate Securities Total Balance, December 31, 2022 $ - $ - $ - $ - $ - Adjustment for the adoption of ASU 2016-13 - 40 1 409 450 Provision for credit losses - ( 40 ) 1 ( 59 ) ( 98 ) Allowance on purchased financial assets with credit deterioration - - - - - Charge-offs of securities - - - - - Recoveries - - - - - Balance, December 31, 2023 $ - $ - $ 2 $ 350 $ 352 The Company monitors the credit quality of the debt securities categorized as held-to-maturity primarily through the use of credit ratings. These assessments are made on a quarterly basis. The following table summarizes the amortized cost of debt securities categorized as held-to-maturity at December 31, 2023, aggregated by credit quality indicators: (In thousands) AAA or equivalent $ 42,476 AA or equivalent, including securities issued by the United States Government or Government Sponsored Enterprises 49,479 A or equivalent 19,021 BBB or equivalent 16,304 BB or equivalent 983 Unrated 51,374 Total $ 179,637 Additional Disclosures Proceeds of $ 18.0 million and $ 11.0 million, respectively on sales and redemptions of securities for the years ended December 31, 2023 and 2022 resulted in net realized gains (losses) detailed below: (In thousands) 2023 2022 Realized gains on investments $ 2,022 $ 37 Realized losses on investments ( 1,960 ) ( 206 ) $ 62 $ ( 169 ) As of December 31, 2023 and December 31, 202 2, securities with a fair value of $ 110.3 million and $ 99.8 million, respectively, were pledged to collateralize certain municipal deposit relationships. As of the same dates, securities with a fair value of $ 114.3 million and $ 38.1 million were pledged against certain borrowing arrangements. Management has reviewed its loan and mortgage-backed securities portfolios and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of investing in, or originating, these types of investments.

Loans

Loans	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Loans	NOTE 5: LOANS Major classifications of loans are as follows: December 31, December 31, (In thousands) 2023 2022 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 257,604 $ 257,656 Construction 1,355 5,085 Loans held-for-sale - 19 Total residential mortgage loans 258,959 262,760 Commercial loans: Real estate 358,707 345,330 Lines of credit 72,069 82,050 Other commercial and industrial 89,803 77,273 Paycheck Protection Program loans 158 203 Tax exempt loans 3,430 4,280 Total commercial loans 524,167 509,136 Consumer loans: Home equity and junior liens 34,858 34,007 Other consumer 79,797 92,851 Total consumer loans 114,655 126,858 Total loans 897,781 898,754 Less net deferred loan fees 574 1,000 Less allowance for credit losses 15,975 15,319 Loans receivable, net $ 881,232 $ 882,435 Future credit-related performance of a loan portfolio generally depends upon the types of loans within the portfolio, concentrations by type of loan and the quality of the collateral securing the loans. The following table details the Company's loan portfolio by collateral type within major categories as of December 31, 2023. (Dollars in thousands) Balance Number Average Minimum/ Allowance for Credit Losses Percent Residential Mortgage Loans $ 258,959 2,522 $ 103 $ - $ 4,871 $ 2,466 29 % Commercial Real Estate: Multi Family (5 or More) $ 75,741 66 $ 1,148 $ 17 $ 8,530 $ 1,214 8 % Mixed Use 50,022 59 848 17 5,951 802 6 % Office Space 38,824 70 555 19 4,037 622 4 % Hotels and Motels 29,524 9 3,280 193 11,500 473 3 % 1-4 Family 25,089 167 150 - 2,407 402 3 % Retail Space 22,721 47 483 18 4,756 364 3 % Recreation/ Golf Course/ Marina 19,290 19 1,015 77 4,543 309 2 % Auto Dealership 13,259 10 1,326 - 5,084 213 1 % Nursing Home 11,900 2 5,950 3,800 8,100 191 1 % Self Storage/Mini Storage 11,892 3 3,964 48 11,428 191 1 % Manufacturing/Industrial 9,634 17 567 51 3,356 154 1 % Land 7,550 9 839 38 3,753 121 1 % Warehouse 7,304 13 562 52 2,311 117 1 % Assisted Living 7,180 1 7,180 7,180 7,180 115 1 % Restaurant 5,793 23 252 32 1,056 93 1 % Auto Repair 5,696 13 438 39 2,054 91 1 % Hospitals 4,755 3 1,585 45 2,973 76 1 % Property for Community Service 3,121 3 1,040 94 1,580 50 0 % All Others 9,412 25 376 8 3,583 151 1 % Total Commercial Real Estate Loans $ 358,707 559 $ 642 $ - $ 11,500 $ 5,751 40 % Commercial and Industrial: Secured Term Loans $ 78,928 384 206 $ - $ 4,019 $ 1,471 9 % Unsecured Term Loans 10,875 89 122 - 920 203 1 % Secured Lines of Credit 48,569 264 184 - 5,000 2,211 5 % Unsecured Lines of Credit 23,500 148 159 - 3,000 1,070 3 % Total Commercial and $ 161,872 885 $ 183 $ - $ 5,000 $ 4,955 18 % Tax Exempt Loans $ 3,430 10 $ 343 $ 6 $ 2,215 $ 1 0 % Paycheck Protection Program Loans $ 158 5 $ 32 $ 4 $ 77 $ - 0 % Consumer: Home Equity Lines of Credit $ 34,858 1,026 $ 34 $ - $ 985 $ 657 4 % Vehicle 11,032 1,417 8 - 410 297 1 % Consumer Secured 29,523 545 54 8 42 794 3 % Consumer Unsecured 37,767 1,940 19 - 54 1,015 5 % All Others 1,475 596 2 - 88 40 0 % Total Consumer Loans $ 114,655 5,524 $ 21 $ - $ 985 $ 2,802 13 % Net deferred loan fees 574 - - - - - - Unallocated allowance for ( 15,975 ) - - - - - - Total Loans $ 882,380 9,505 $ 94 $ 15,975 100 % From time to time, the Bank acquires diversified pools of loans, originated by unrelated third parties, as part of the Company’s overall balance sheet management strategies. These acquisitions took place with nine separate transactions, that occurred between 2017 and 2019, with an additional six transactions occurring in 2021. The following table summarizes the purchased loan pool positions, held by the Bank in purchased loans at year end (month and date of acquisition in parentheses): (In thousands, except number of loans) December 31, 2023 Original Balance Current Balance Unamortized Premium/ (Discount) Number of Loans Maturity Range Cumulative net charge-offs Commercial and industrial loans (6/2019) $ 6,800 $ 1,600 $ - 20 2 - 6 years $ - Home equity lines of credit (8/2019) 21,900 4,500 108 159 1 - 26 years - Unsecured consumer loan pool 2 (11/2019) 26,600 500 2 167 0 - 2 years - Residential real estate loans (12/2019) 4,300 4,500 284 56 17 - 25 years - Unsecured consumer loan pool 1 (12/2019) 5,400 1,000 - 46 1 - 3 years - Unsecured consumer installment loans pool 3 (12/2019) 10,300 500 17 158 0 - 9 years 69 Secured consumer installment loans pool 4 (12/2020) 14,500 10,600 ( 1,252 ) 499 21 - 25 years - Unsecured consumer loans pool 5 (1/2021) 24,400 15,600 ( 450 ) 644 7 - 22 years - Revolving commercial line of credit 1 (3/2021) 11,600 12,400 2 1 0 - 1 year - Secured consumer installment loans (11/2021) 21,300 18,000 ( 2,923 ) 821 17 - 24 years - Revolving commercial line of credit 2 (11/2021) paid in full at 12/11/23 10,500 - - - - - Unsecured consumer loans pool 6 (11/2021) 22,200 18,200 ( 2,292 ) 522 7 - 24 years - Total $ 179,800 $ 87,400 $ ( 6,504 ) 3,093 $ 69 (In thousands, except number of loans) December 31, 2022 Original Balance Current Balance Unamortized Premium/ (Discount) Number of Loans Maturity Range Cumulative net charge-offs Automobile loans (1/2017) paid in full at 6/30/23 $ 50,400 $ 4,200 $ 128 537 0 - 4 years $ 247 Commercial and industrial loans (6/2019) 6,800 2,100 - 22 3 - 7 years - Home equity lines of credit (8/2019) 21,900 6,000 189 143 1 - 27 years - Unsecured consumer loan pool 2 (11/2019) 26,600 1,500 11 320 0 - 2 years - Residential real estate loans (12/2019) 4,300 3,900 240 49 16 - 22 years - Unsecured consumer loan pool 1 (12/2019) 5,400 1,600 - 50 1 - 4 years - Unsecured consumer installment loans pool 3 (12/2019) 10,300 1,000 38 354 0 - 9 years 63 Secured consumer installment loans pool 4 (12/2020) 14,500 11,300 ( 1,484 ) 518 23 - 24 years - Unsecured consumer loans pool 5 (1/2021) 24,400 17,300 ( 485 ) 678 8 - 24 years - Revolving commercial line of credit 1 (3/2021) 11,600 11,400 14 1 0 - 1 year - Secured consumer installment loans (11/2021) 21,300 19,700 ( 3,237 ) 850 18 - 25 years - Revolving commercial line of credit 2 (11/2021) paid in full at 12/11/23 10,500 15,000 23 1 0 - 1 year - Unsecured consumer loans pool 6 (11/2021) 22,200 20,200 ( 2,441 ) 540 8 - 24 years - Total $ 230,200 $ 115,200 $ ( 7,004 ) 4,063 $ 310 As of December 31, 2023 and December 31, 2022, residential mortgage loans with a carrying valu e of $ 113.6 million and $ 110.3 million, respectively, have been pledged by the Company to the FHLBNY under a blanket collateral agreement to secure the Company’s line of credit and term borrowings. Risk Characteristics of Portfolio Segments Each portfolio segment generally carries its own unique risk characteristics. The residential mortgage loan segment is impacted by general economic conditions, unemployment rates in the Bank’s service area, real estate values and the forward expectation of improvement or deterioration in economic conditions. First and second lien residential mortgages, acquired via purchase are impacted by general economic conditions, unemployment rates in the general areas in which the loan collateral is located, real estate values in those areas and the forward expectation of improvement or deterioration in economic conditions. The commercial loan segment is impacted by general economic conditions but, more specifically, the industry segment in which each borrower participates. Unique competitive changes within a borrower’s specific industry, or geographic location could cause significant changes in the borrower’s revenue stream, and therefore, impact its ability to repay its obligations. Commercial real estate is also subject to general economic conditions but changes within this segment typically lag changes seen within the consumer and commercial segment. Included within this portfolio are both owner occupied real estate, in which the borrower occupies the majority of the real estate property and upon which the majority of the sources of repayment of the obligation is dependent upon, and non-owner occupied real estate, in which several tenants comprise the repayment source for this portfolio segment. The composition and competitive position of the tenant structure may cause adverse changes in the repayment of debt obligations for the non-owner occupied class within this segment. The consumer loan segment is impacted by general economic conditions, unemployment rates in the geographic areas in which borrowers and loan collateral are located, and the forward expectation of improvement or deterioration in economic conditions. Real estate loans, including residential mortgages, commercial real estate loans and home equity, comprised 72.7 % and 71.4 % of the total loans held in the portfolio in 2023 and 2022, respectively. Loans secured by real estate generally provide strong collateral protection and thus significantly reduce the inherent credit risk in the portfolio. Management has reviewed its loan portfolio and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of originating these types of loans. Description of Credit Quality Indicators The Company utilizes an eight tier risk rating system to evaluate the quality of its loan portfolio. Loans that are risk rated “1” through “4” are considered “Pass” loans. In accordance with regulatory guidelines, loans rated “5” through “8” are termed “criticized” loans and loans rated “6” through “8” are termed “classified” loans. A description of the Company’s credit quality indicators follows. For Commercial Loans: 1. Prime : A loan that is fully secured by properly margined Pathfinder Bank deposit account(s) or an obligation of the US Government. It may also be unsecured if it is supported by a very strong financial condition and, in the case of a commercial loan, excellent management. There exists an unquestioned ability to repay the loan in accordance with its terms. 2. Strong : Desirable relationship of somewhat less stature than Prime grade. Possesses a sound documented repayment source, and back up, which will allow repayment within the terms of the loan. Individual loans backed by solid assets, character and integrity. Ability of individual or company management is good and well established. Probability of serious financial deterioration is unlikely. 3. Satisfactory : Stable financial condition with cash flow sufficient for debt service coverage. Satisfactory loans of average strength having some deficiency or vulnerability to changing economic or industry conditions but performing as agreed with documented evidence of repayment capacity. May be unsecured loans to borrowers with satisfactory credit and financial strength. Satisfactory provisions for management succession and a secondary source of repayment exists. 4. Satisfactory Watch: A four is not a criticized or classified credit. These credits do not display the characteristics of a criticized asset as defined by the regulatory definitions. A credit is given a Satisfactory Watch designation if there are matters or trends observed deserving attention somewhat beyond normal monitoring. Borrowing obligations may be handled according to agreement but could be adversely impacted by developing factors such as industry conditions, operating problems, pending litigation of a significant nature or declining collateral quality and adequacy. 5. Special Mention : A warning risk grade that portrays one or more weaknesses that may be tolerated in the short term. Assets in this category are currently protected but are potentially weak. This loan would not normally be booked as a new credit, but may have redeeming characteristics persuading the Bank to continue working with the borrower. Loans accorded this classification have potential weaknesses which may, if not checked or corrected, weaken the company’s assets, inadequately protect the Bank’s position or effect the orderly, scheduled reduction of the debt at some future time. 6. Substandard : The relationship is inadequately protected by the current net worth and cash flow capacity of the borrower, guarantor/endorser, or of the collateral pledged. Assets have a well-defined weakness or weaknesses that jeopardize the orderly liquidation of the debt. The relationship shows deteriorating trends or other deficient areas. The loan may be nonperforming and expected to remain so for the foreseeable future. Relationship balances may be adequately secured by asset value; however a deteriorated financial condition may necessitate collateral liquidation to effect repayment. This would also include any relationship with an unacceptable financial condition requiring excessive attention of the officer due to the nature of the credit risk or lack of borrower cooperation. 7. Doubtful : The relationship has all the weaknesses inherent in a credit graded 5 with the added characteristic that the weaknesses make collection on the basis of currently existing facts, conditions and value, highly questionable or improbable. The possibility of some loss is extremely high, however its classification as an anticipated loss is deferred until a more exact determination of the extent of loss is determined. Loans in this category must be on nonaccrual. 8. Loss : Loans are considered uncollectible and of such little value that continuance as bankable assets is not warranted. It is not practicable or desirable to defer writing off this basically worthless asset even though partial recovery may be possible in the future. For Residential Mortgage and Consumer Loans: Residential mortgage and consumer loans are assigned a “Pass” rating unless the loan has demonstrated signs of weakness as indicated by the ratings below. 1. Special Mention : All loans sixty days past due are classified Special Mention. The loan is not upgraded until it has been current for six consecutive months. 2. Substandard : All loans 90 days past due are classified Substandard. The loan is not upgraded until it has been current for six consecutive months. 3. Doubtful : The relationship has all the weaknesses inherent in a credit graded 5 with the added characteristic that the weaknesses make collection on the basis of currently existing facts, conditions and value, highly questionable or improbable. The possibility of some loss is extremely high. The risk ratings for classified loans are evaluated at least quarterly for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial, residential mortgage or consumer loans. See further discussion of risk ratings in Note 1. The following tables present the classes of the loan portfolio, summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system as of the dates indicated: Revolving Term Loans By Origination Year Revolving loans converted (In thousands) 2023 2022 2021 2020 2019 Prior Loans to term loans Total Commercial Real Estate: Pass $ 43,823 $ 67,743 $ 55,395 $ 29,222 $ 51,270 $ 85,218 $ - $ - $ 332,671 Special Mention - 14,016 - - - 797 - - 14,813 Substandard 3,006 500 2,339 739 396 4,085 - - 11,065 Doubtful - - - - - 158 - - 158 Total Commercial Real Estate 46,829 82,259 57,734 29,961 51,666 90,258 - - 358,707 Commercial Lines of Credit: Pass - - - - - - 62,824 7,141 69,965 Special Mention - - - - - - 654 162 816 Substandard - - - - - - 518 758 1,276 Doubtful - - - - - - - 12 12 Total Commercial Lines of Credit - - - - - - 63,996 8,073 72,069 Other Commercial and Industrial: Pass 27,433 16,735 6,457 5,541 7,828 11,994 4,195 - 80,183 Special Mention 2,490 - 248 67 - - - - 2,805 Substandard 30 1,124 929 754 211 2,362 - - 5,410 Doubtful 1,405 - - - - - - - 1,405 Total Other Commercial and Industrial 31,358 17,859 7,634 6,362 8,039 14,356 4,195 - 89,803 Paycheck Protection Program Loans Pass - - - 158 - - - - 158 Special Mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total Paycheck Protection Program Loans - - - 158 - - - - 158 Tax Exempt Loans Pass 105 - - 151 6 3,168 - - 3,430 Special Mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total Tax Exempt Loans 105 - - 151 6 3,168 - - 3,430 Revolving Term Loans By Origination Year Revolving loans converted (In thousands) 2023 2022 2021 2020 2019 Prior Loans to term loans Total 1-4 family first-lien residential mortgages: Pass $ 17,403 $ 31,591 $ 51,027 $ 39,454 $ 18,491 $ 94,594 $ - $ - $ 252,560 Special Mention - - 1,601 566 176 349 - - 2,692 Substandard - - 138 209 282 1,168 - - 1,797 Doubtful - - - 154 - 401 - - 555 Total 1-4 family first-lien residential mortgages 17,403 31,591 52,766 40,383 18,949 96,512 - - 257,604 Construction: Pass 1,355 - - - - - - - 1,355 Special Mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total Construction 1,355 - - - - - - - 1,355 Home Equity and Junior Liens: Pass 8,317 1,880 1,404 853 559 2,228 18,177 689 34,107 Special Mention - - - - - 6 20 9 35 Substandard - - 66 - - 49 601 - 716 Doubtful - - - - - - - - - Total Home Equity and Junior Liens 8,317 1,880 1,470 853 559 2,283 18,798 698 34,858 Other Consumer: Pass 68,434 3,876 3,103 1,381 1,536 1,340 - - 79,670 Special Mention 24 34 14 9 4 15 - - 100 Substandard - 14 8 - - 5 - - 27 Doubtful - - - - - - - - - Total Other Consumer 68,458 3,924 3,125 1,390 1,540 1,360 - - 79,797 Net Deferred Loan Fees ( 289 ) 60 ( 12 ) ( 82 ) 93 ( 344 ) - - ( 574 ) Total loans $ 173,536 $ 137,573 $ 122,717 $ 79,176 $ 80,852 $ 207,593 $ 86,989 $ 8,771 $ 897,207 Nonaccrual and Past Due Loans Loans are placed on nonaccrual when the contractual payment of principal and interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be performing. Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date. An age analysis of loans, not including net deferred loan costs, segregated by portfolio segment and class of loans, as of December 31, 2023 and 2022, are detailed in the following tables: As of December 31, 2023 30-59 Days 60-89 Days 90 Days Total Total Loans (In thousands) Past Due Past Due and Over Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,462 $ 2,269 $ 1,770 $ 5,501 $ 252,103 $ 257,604 Construction - - - - 1,355 1,355 Loans held-for-sale - - - - - - Total residential mortgage loans 1,462 2,269 1,770 5,501 253,458 258,959 Commercial loans: Real estate 5,385 196 5,053 10,634 348,073 358,707 Lines of credit 180 - 924 1,104 70,965 72,069 Other commercial and industrial 5,347 322 6,340 12,009 77,794 89,803 Paycheck Protection Program loans - - - - 158 158 Tax exempt loans - - - - 3,430 3,430 Total commercial loans 10,912 518 12,317 23,747 500,420 524,167 Consumer loans: Home equity and junior liens 210 29 192 431 34,427 34,858 Other consumer 984 383 2,948 4,315 75,482 79,797 Total consumer loans 1,194 412 3,140 4,746 109,909 114,655 Total loans $ 13,568 $ 3,199 $ 17,227 $ 33,994 $ 863,787 $ 897,781 As of December 31, 2022 30-59 Days 60-89 Days 90 Days Total Total Loans (In thousands) Past Due Past Due and Over Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,627 $ 620 $ 932 $ 3,179 $ 254,477 $ 257,656 Construction - - - - 5,085 5,085 Loans held-for-sale - - - - 19 19 Total residential mortgage loans 1,627 620 932 3,179 259,581 262,760 Commercial loans: Real estate 4,974 854 3,499 9,327 336,003 345,330 Lines of credit 1,280 1,584 298 3,162 78,888 82,050 Other commercial and industrial 4,721 999 1,738 7,458 69,815 77,273 Paycheck Protection Program loans - - - - 203 203 Tax exempt loans - - - - 4,280 4,280 Total commercial loans 10,975 3,437 5,535 19,947 489,189 509,136 Consumer loans: Home equity and junior liens 23 17 279 319 33,688 34,007 Other consumer 391 239 1,904 2,534 90,317 92,851 Total consumer loans 414 256 2,183 2,853 124,005 126,858 Total loans $ 13,016 $ 4,313 $ 8,650 $ 25,979 $ 872,775 $ 898,754 Nonaccrual loans as of December 31, 2023 and 2022, segregated by class of loan, were as follows: December 31, December 31, (In thousands) 2023 2022 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,770 $ 1,112 1,770 1,112 Commercial loans: Real estate 5,053 3,504 Lines of credit 924 332 Other commercial and industrial 6,340 1,884 12,317 5,720 Consumer loans: Home equity and junior liens 192 279 Other consumer 2,948 1,904 Total consumer loans 3,140 2,183 Total nonaccrual loans $ 17,227 $ 9,015 There were no loans past due ninety days or more and still accruing interest at December 31, 2023 or 2022. When the Company modifies a loan within a portfolio segment that is individually evaluated for impairment, a potential impairment is analyzed either based on the present value of the expected future cash flows discounted at the interest rate of the original loan terms or the fair value of the collateral less costs to sell. If it is determined that the value of the loan is less than its recorded investment, then impairment is recognized as a component of the provision for credit losses, an associated increase to the allowance for credit losses or as a charge-off to the allowance for credit losses in the current period. Impaired Loans: The following table summarizes impaired loans information by portfolio class at: December 31, 2022 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: 1-4 family first-lien residential mortgages $ 1,048 $ 1,048 $ - Commercial real estate 5,283 5,386 - Commercial lines of credit 2,218 2,218 - Other commercial and industrial 2,780 2,829 - Home equity and junior liens 182 182 - With an allowance recorded: 1-4 family first-lien residential mortgages 450 450 91 Commercial real estate 2,625 2,625 346 Commercial lines of credit 3,059 3,066 2,957 Other commercial and industrial 1,998 1,998 1,285 Home equity and junior liens 536 536 114 Total: 1-4 family first-lien residential mortgages 1,498 1,498 91 Commercial real estate 7,908 8,011 346 Commercial lines of credit 5,277 5,284 2,957 Other commercial and industrial 4,778 4,827 1,285 Home equity and junior liens 718 718 114 Totals $ 20,179 $ 20,338 $ 4,793 The following table presents the average recorded investment in impaired loans for the year ended December 31: (In thousands) 2022 1-4 family first-lien residential mortgages $ 1,232 Commercial real estate 7,285 Commercial lines of credit 1,951 Other commercial and industrial 3,155 Home equity and junior liens 647 Other consumer - Total $ 14,270 The following table presents the cash basis interest income recognized on impaired loans for the year ended December 31: (In thousands) 2022 1-4 family first-lien residential mortgages $ 65 Commercial real estate 247 Commercial lines of credit 143 Other commercial and industrial 304 Home equity and junior liens 6 Other consumer - Total $ 765 The following table summarizes all activity related to the ACL from December 31, 2022 to December 31, 2023 and to the recorded PCL for year ended December 31, 2023: CECL Transition ILM ALLL December 31, 2022 Adjustment January 1, 2023 CECL Reserve January 1, 2023 Q1 2023 Charge-Offs Q1 2023 Recoveries Q1 2023 PCL Reserves as of March 31, 2023 Q2 2023 Charge-Offs Q2 2023 Recoveries Q2 2023 PCL Reserves as of June 30, 2023 Q3 2023 Charge-Offs Q3 2023 Recoveries Q3 2023 PCL Reserves as of Sept 30, 2023 Q4 2023 Charge-Offs Q4 2023 Recoveries Q4 2023 PCL Reserves as of Dec 31, 2023 ACL - Loans Specifically identified $ 4,793 $ - $ 3,328 $ - $ - $ 533 $ 3,861 $ 263 $ - $ 888 $ 4,486 $ 1,650 $ - $ 692 $ 3,528 $ - $ - $ 188 $ 3,716 Overdraft 1,465 301 1,766 116 1,882 1,425 - - 457 13 ( 80 ) - 364 Pooled under ILM 9,497 ( 9,497 ) - - - - - - - - - - - - - - Pooled - quantitative 6,313 6,313 100 92 270 6,575 109 116 ( 135 ) 6,447 799 45 17 5,710 198 183 508 6,203 Pooled - qualitative 3,965 3,965 - - ( 397 ) 3,568 287 3,855 - - 89 3,944 - - ( 378 ) 3,566 Purchased 1,029 1,102 2,131 19 - ( 15 ) 2,097 - - 29 2,126 - - - 2,126 - - - 2,126 Unallocated - - - - - - - - - - - - - - - - - - - Total ACL - Loans $ 15,319 $ 1,883 $ 17,202 $ 119 $ 92 $ 692 $ 17,867 $ 372 $ 116 $ 1,185 $ 18,796 $ 3,874 $ 45 $ 798 $ 15,765 $ 211 $ 103 $ 318 $ 15,975 ACL - Held-To-Maturity - 450 450 - - - 450 - - ( 29 ) 421 - - 5 426 - - ( 74 ) 352 Other Liabilities - Unfunded Commitments - 552 552 - - - 552 - - ( 16 ) 536 - - 30 566 - - 23 589 $ 15,319 $ 2,886 $ 18,205 $ 119 $ 92 $ 692 $ 18,870 $ 372 $ 116 $ 1,140 $ 19,754 $ 3,874 $ 45 $ 833 $ 16,758 $ 211 $ 103 $ 267 $ 16,917 Collateral Dependent Disclosures The Company has certain loans for which repayment is dependent upon the operation or sale of collateral, as the borrower is experiencing financial difficulty. The underlying collateral can vary based upon the type of loan. The following provides more detail about the types of collateral that secure collateral dependent loans: • Commercial real estate loans can be secured by either owner occupied commercial real estate or non-owner occupied investment commercial real estate. Typically, owner occupied commercial real estate loans are secured by office buildings, warehouses, manufacturing facilities and other commercial and industrial properties occupied by operating companies. Non-owner occupied commercial real estate loans are generally secured by office buildings and complexes, retail facilities, multifamily complexes, land under development, industrial properties, as well as other commercial or industrial real estate. • Residential real estate loans are typically secured by first mortgages, and in some cases could be secured by a second mortgage. • Home equity lines of credit are generally secured by second mortgages on residential real estate property. • Consumer loans are generally secured by automobiles, motorcycles, recreational vehicles and other personal property. Some consumer loans are unsecured and have no underlying collateral. The following table details the amortized cost of collateral dependent loans: (In thousands) December 31, 2023 Commercial and industrial $ 7,788 Commercial real estate 11,814 Residential (1-4 family) first mortgages 699 Home equity loans and lines of credit 599 Consumer loans 81 Total loans $ 20,981 Paycheck Protection Program (“PPP”) The Bank participated in all rounds of the PPP funded by the U.S. Treasury Department and administered by the U.S. SBA pursuant to the CARES Act and subsequent legislation. The Bank received $ 4.0 million in fees from the SBA associated with PPP lending activities during 2020 and 2021 and recognized $- 0 - and $ 707,000 of those fees in 2023 and 2022, respectively.

Allowance for Loan Losses

Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2023
Allowance For Loan Losses [Abstract]
Allowance for Loan Losses	NOTE 6: ALLOWANCE FOR CREDIT LOSSES As discussed in Note 1, on January 1, 2023, the Bank accounted for all credit loss exposures using the CECL methodology. A nonrecurring adjustment from ILM to CECL was made on January 1, 2023, increasing the ACL at January 1, 2023 by $ 2.1 million in determining the beginning ACL for the quarter ended March 31, 2023. This transition adjustment was recorded in retained earnings on January 1, 2023, and therefore will be a subtraction from tangible book value, after tax effects of approximately $ 1.7 million. Changes in the allowance for credit losses for the year ended December 31, 2023, and information pertaining to the allocation of the allowance for credit losses and balances of the allowance for credit losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class at the indicated dates, are summarized in the tables below. An allocation of a portion of the allowance to a given portfolio class does not limit the Company’s ability to absorb losses in another portfolio class. December 31, 2023 1-4 family first-lien Other Paycheck residential Commercial Commercial commercial Protection (In thousands) mortgage Construction real estate lines of credit and industrial Program Allowance for credit losses: Beginning Balance $ 714 $ - $ 5,881 $ 3,990 $ 2,944 $ - Adoption of New Accounting Standards 1,396 969 ( 1,744 ) 95 10 Charge-offs ( 121 ) - - ( 1,247 ) ( 2,862 ) - Recoveries 1 - 23 2 211 - Provisions (credits) ( 382 ) ( 111 ) 1,591 ( 1,166 ) 2,978 - Ending balance $ 1,608 $ 858 $ 5,751 $ 1,674 $ 3,281 $ - Ending balance: related to loans $ 138 $ - $ 969 $ 844 $ 1,617 $ - Ending balance: related to loans $ 1,470 $ 858 $ 4,782 $ 830 $ 1,664 $ - Loans receivables: Ending balance $ 257,604 $ 1,355 $ 358,707 $ 72,069 $ 89,803 $ 158 Ending balance: individually $ 1,675 $ - $ 12,314 $ 1,139 $ 6,749 $ - Ending balance: collectively $ 255,929 $ 1,355 $ 346,393 $ 70,930 $ 83,054 $ 158 Home equity Other Tax exempt and junior liens consumer Total Allowance for credit losses: Beginning Balance $ 3 $ 741 $ 1,046 $ 15,319 Adoption of New Accounting Standards 14 ( 97 ) 1,243 1,886 Charge-offs - ( 5 ) ( 341 ) ( 4,576 ) Recoveries - - 118 355 Provisions ( 16 ) 18 79 2,991 Ending balance $ 1 $ 657 $ 2,145 $ 15,975 Ending balance: related to loans $ - $ 148 $ - $ 3,716 Ending balance: related to loans $ 1 $ 509 $ 2,145 $ 12,259 Loans receivables: Ending balance $ 3,430 $ 34,858 $ 79,797 $ 897,781 Ending balance: individually $ - $ 710 $ - $ 22,587 Ending balance: collectively $ 3,430 $ 34,148 $ 79,797 $ 875,194 Changes in the allowance for loan losses under the ILM methodology for the year ended December 31, 2022, and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class at the indicated dates, are summarized in the tables below. An allocation of a portion of the allowance to a given portfolio class does not limit the Company’s ability to absorb losses in another portfolio class. December 31, 2022 1-4 family first-lien Other Paycheck residential Commercial Commercial commercial Protection (In thousands) mortgage Construction real estate lines of credit and industrial Program Allowance for loan losses: Beginning Balance $ 872 $ - $ 5,308 $ 935 $ 2,762 $ - Charge-offs ( 29 ) - ( 48 ) ( 51 ) ( 486 ) - Recoveries - - 250 - 46 - Provisions (credits) ( 129 ) - 371 3,106 622 - Ending balance $ 714 $ - $ 5,881 $ 3,990 $ 2,944 $ - Ending balance: related to loans $ 91 $ - $ 346 $ 2,957 $ 1,285 $ - Ending balance: related to loans $ 623 $ - $ 5,535 $ 1,033 $ 1,659 $ - Loans receivables: Ending balance $ 257,656 $ 5,085 $ 345,330 $ 82,050 $ 77,273 $ 203 Ending balance: individually $ 1,498 $ - $ 7,908 $ 5,278 $ 4,777 $ - Ending balance: collectively $ 256,158 $ 5,085 $ 337,422 $ 76,772 $ 72,496 $ 203 Home equity Other Tax exempt and junior liens consumer Unallocated (1) Total Allowance for loan losses: Beginning Balance 3 774 1,297 984 12,935 Charge-offs - - ( 147 ) - ( 761 ) Recoveries - - 95 - 391 Provisions - ( 33 ) ( 199 ) ( 984 ) 2,754 Ending balance $ 3 $ 741 $ 1,046 $ - $ 15,319 Ending balance: related to loans $ - $ 114 $ - $ - $ 4,793 Ending balance: related to loans $ 3 $ 627 $ 1,046 $ - $ 10,526 Loans receivables: Ending balance $ 4,280 $ 34,007 $ 92,851 $ 19 $ 898,754 Ending balance: individually $ - $ 718 $ - $ - $ 20,179 Ending balance: collectively $ 4,280 $ 33,289 $ 92,851 $ 19 $ 878,575 (1) The ending balance of the loans receivable for the unallocated portion of the allowance includes loans held-for-sale. At December 31, 2022, the Bank had loans held-for-sale with a principal balance of $ 19,000 . These loans were still part of the portfolio as of December 31, 2022. Based on ASC 948, Mortgage Banking, loans shall be classified as held-for-sale once a decision has been made to sell the loans and shall be transferred to the held-for-sale category at lower of cost or fair value. The Company’s methodology for determining its allowance for credit losses includes an analysis of qualitative factors that are added to the historical loss rates in arriving at the total allowance for credit losses needed for this general pool of loans. The qualitative factors include: • Changes in national and local economic trends; • The rate of growth in the portfolio; • Trends of delinquencies and nonaccrual balances; • Changes in loan policy; and • Changes in lending management experience and related staffing. Each factor is assigned a value to reflect improving, stable or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available. Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for credit losses analysis and calculation. The allocation of the allowance for credit losses summarized on the basis of the Company’s CECL calculation methodology was as follows: December 31, 2023 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Specifically reserved $ 137 $ - $ 969 $ 844 $ 1,617 Historical loss rate 1,537 674 2,645 209 1,026 Qualitative factors ( 66 ) 184 2,137 621 638 Total $ 1,608 $ 858 $ 5,751 $ 1,674 $ 3,281 Home equity Other Tax exempt and junior liens consumer Total Specifically reserved $ - $ 458 $ 1,817 $ 5,842 Historical loss rate 1 190 307 6,589 Qualitative factors - 9 21 3,544 Total $ 1 $ 657 $ 2,145 $ 15,975 The allocation of the allowance for loan losses summarized on the basis of the Company’s ILM calculation methodology was as follows: December 31, 2022 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Specifically reserved $ 91 $ - $ 346 $ 2,957 $ 1,285 Historical loss rate 5 - ( 32 ) - 97 Qualitative factors 618 - 5,567 1,033 1,562 Total $ 714 $ - $ 5,881 $ 3,990 $ 2,944 Home equity Other Tax exempt and junior liens consumer Total Specifically reserved $ - $ 114 $ - $ 4,793 Historical loss rate - 321 708 1,099 Qualitative factors 3 306 338 9,427 Total $ 3 $ 741 $ 1,046 $ 15,319

Servicing

Servicing	12 Months Ended
	Dec. 31, 2023
Servicing Asset [Abstract]
Servicing	NOTE 7: SERVICING Loans serviced for others are not included in the accompanying consolidated statements of condition. At December 31, 2023 and 2022, the Bank serviced 518 and 503 residential mortgage loans for others, respectively. The unpaid principal balances of mortgage loans serviced for others were $ 54.5 million and $ 52.2 million at December 31, 2023 and 2022, respectively. The balance of capitalized servicing rights included in other assets at December 31, 2023 and 2022, was $ 330,000 and $ 368,000 , respectively. The following summarizes mortgage servicing rights capitalized and amortized: (In thousands) 2023 2022 Mortgage servicing rights capitalized $ 46 $ 64 Mortgage servicing rights amortized 84 75

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Premises and Equipment	NOTE 8: PREMISES AND EQUIPMENT A summary of premises and equipment at December 31 is as follows: (In thousands) 2023 2022 Land $ 2,661 $ 2,063 Buildings 20,784 20,406 Furniture, fixtures and equipment 17,889 17,337 Construction in progress 758 320 42,092 40,126 Less: Accumulated depreciation 23,651 22,254 $ 18,441 $ 17,872 Depreciation expense in 2023 and 2022 was $ 1.4 million and $ 1.1 million, respectively.

Foreclosed Real Estate

Foreclosed Real Estate	12 Months Ended
	Dec. 31, 2023
Real Estate Owned, Disclosure of Detailed Components [Abstract]
Foreclosed Real Estate	NOTE 9: FORECLOSED REAL ESTATE A summary of foreclosed real estate at December 31 is as follows: (Dollars in thousands) Number of December 31, Number of December 31, Foreclosed real estate 4 $ 151 2 $ 221 At December 31, 2023 and 2022, the Company repo rted $ 1.3 million and $ 542,000 , respectively, in real estate loans in the process of foreclosure.

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets	NOTE 10: GOODWILL AND INTANGIBLE ASSETS Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired. Goodwill is not amortized, but is evaluated annually for impairment or between annual evaluations in certain circumstances. Management performs an annual assessment of the Company’s goodwill to determine whether or not any impairment of the carrying value may exist. Of the $ 4.5 million of goodwill carried on the Company’s books as of December 31, 2023, $ 3.8 million of this amount was due to prior periods acquisitions of bank branches and $ 696,000 , initially and currently classified as an identifiable intangible asset, was due to the 2013 acquisition of the FitzGibbons Agency by PRMC and the 2015 acquisition of the Huntington Agency. In 2020, the Company retained expert, independent consultants to evaluate the recorded goodwill for impairment. The Company updated those evaluations using internal modeling processes for the year ended December 31, 2023. The Company is permitted to assess market-based, prospective analyses and other qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than the carrying value. Based on the results of the assessments made by management, with prior input from the retained consultants, it was determined that the carrying value of goodwill in the amount of $ 4.5 million is not impaired as of December 31, 2023. The identifiable intangible asset of $ 85,000 as of December 31, 2023 was due to the acquisition of the FitzGibbons and Huntington Agencies and represents the amortized carrying amount of the customer lists intangible. The weighted average remaining amortization period of this intangible asset is 3.18 years. The gross carrying amount and annual amortization for this identifiable intangible asset are as follows: December 31, (In thousands) 2023 2022 Gross carrying amount $ 243 $ 243 Accumulated amortization ( 158 ) ( 142 ) Net amortizing intangibles $ 85 $ 101 The estimated amortization expense for each of the five succeeding years ended December 31, is as follows: (In thousands) 2024 $ 16 2025 16 2026 16 2027 16 2028 16 Thereafter 5 Total $ 85

Deposits

Deposits	12 Months Ended
	Dec. 31, 2023
Deposits [Abstract]
Deposits	NOTE 11: DEPOSITS A summary of deposits at December 31 is as follows: (In thousands) 2023 2022 Savings accounts $ 113,543 $ 134,880 Time accounts 377,570 314,109 Time accounts in excess of $250,000 95,272 71,696 Money management accounts 12,364 16,107 MMDA accounts 224,707 270,326 Demand deposit interest-bearing 119,321 127,395 Demand deposit noninterest-bearing 170,169 183,711 Mortgage escrow funds 7,121 7,206 Total Deposits $ 1,120,067 $ 1,125,430 At December 31, 2023, the scheduled maturities of time deposits are as follows: (In thousands) Year of Maturity: 2024 $ 324,531 2025 75,882 2026 44,404 2027 9,581 2028 17,950 Thereafter 494 Total $ 472,842 In addition to deposits obtained from its business operations within its target market areas, the Bank also obtains brokered deposits through various programs administered by IntraFi Network and through other unaffiliated third-party financial institutions. At December 31, 2023 2022 (In thousands) Nonbrokered Brokered Total Nonbrokered Brokered Total Savings accounts $ 113,543 $ - $ 113,543 $ 134,880 $ - $ 134,880 Time accounts 174,864 202,706 377,570 105,478 208,631 314,109 Time accounts of $250,000 or more 95,272 - 95,272 71,696 - 71,696 Money management accounts 12,364 - 12,364 16,107 - 16,107 MMDA accounts 224,707 - 224,707 270,326 - 270,326 Demand deposit interest-bearing 79,321 40,000 119,321 87,395 40,000 127,395 Demand deposit noninterest-bearing 170,169 - 170,169 183,711 - 183,711 Mortgage escrow funds 7,121 - 7,121 7,206 - 7,206 Total Deposits $ 877,361 $ 242,706 $ 1,120,067 $ 876,799 $ 248,631 $ 1,125,430

Borrowed Funds

Borrowed Funds	12 Months Ended
	Dec. 31, 2023
Debt Disclosure [Abstract]
Borrowed Funds	NOTE 12: BORROWED FUNDS The composition of borrowings (excluding subordinated debt) at December 31 is as follows: (In thousands) 2023 2022 Short-term: FHLB advances $ 125,680 $ 60,333 Total short-term borrowings $ 125,680 $ 60,333 Long-term: FHLB advances $ 49,919 $ 55,664 Total long-term borrowings $ 49,919 $ 55,664 The principal balances, interest rates and maturities of the outstanding long-term borrowings, all of which are at a fixed rate, at December 31, 2023 are as follows: Term Principal Rates (Dollars in thousands) Advances with FHLB Due within 1 year $ 22,851 0.39 - 5.03 % Due within 2 years 23,883 0.52 - 4.92 % Due within 10 years 3,185 0.53 - 4.96 % Total advances with FHLB $ 49,919 Total long-term fixed rate borrowings $ 49,919 At December 31, 2023, scheduled repayments of long-term debt are as follows: (In thousands) 2024 $ 22,851 2025 23,883 2026 3,185 Total $ 49,919 The Company has access to FHLBNY advances, under which it can borrow at various terms and interest rates. Residential mortgage loans with a carrying value of $ 113.6 million , securities with a carrying value of $ 90.7 million and FHLB stock with a carrying value of $ 8.7 million have been pledged by the Company under a blanket collateral agreement to secure the Company’s borrowings at December 31, 2023. The total outstanding indebtedness under borrowing facilities with the FHLB cannot exceed the total value of the assets pledged under the blanket collateral agreement. The Company has a $ 17.3 million line of credit available at December 31, 2023 with the Federal Reserve Bank of New York through its Discount Window and has pledged various corporate and municipal securities against the line. The Company has $ 15.0 million in lines of credit available with two other correspondent bank s. $ 10.0 million of that line of credit is available on an unsecured basis and the remaining $ 5.0 million must be collateralized with investment securities. Interest on the lines is determined at the time of borrowing.

Subordinated Loans

Subordinated Loans	12 Months Ended
	Dec. 31, 2023
Subordinated Borrowings [Abstract]
Subordinated Loans	NOTE 13: SUBORDINATED DEBT On October 14, 2020, the Company executed a private placement of $ 25.0 million of its 5.50 % Fixed to Floating Rate non-amortizing Subordinated Debt (the “2020 Subordinated Debt”) to certain qualified institutional investors. The 2020 Subordinated Debt has a maturity date of October 15, 2030 and initially bears interest, payable semi-annually, at a fixed annual rate of 5.50 % per annum until October 15, 2025. Commencing on that date, the interest rate applicable to the outstanding principal amount due will be reset quarterly to an interest rate per annum equal to the then current three month Secured Overnight Financing Rate ("SOFR") plus 532 basis points, payable quarterly until maturity. The Company may redeem the 2020 Subordinated Debt at par, in whole or in part, at its option, any time after October 15, 2025 (the first redemption date). The 2020 Subordinated Debt is senior in the Company’s credit repayment hierarchy only to the Company’s common equity and preferred stock and, and any future senior indebtedness and is intended to qualify as Tier 2 capital for regulatory capital purposes for the Company. The Company paid $ 783,000 in origination and legal fees as part of this transaction. These fees will be amortized over the life of the 2020 Subordinated Debt through its first redemption date using the effective interest method, giving rise to an effective cost of funds of 6.22 % from the issuance date calculated under this method. Accordingly, interest expense related to this indebtedness of $ 1.6 million was recorded in both years ended December 31, 2023 and December 31, 2022. The Company has a non-consolidated subsidiary trust, Pathfinder Statutory Trust II, of which the Company owns 100 % of the common equity. The Trust issued $ 5,000,000 of 30 -year floating rate Company-obligated pooled capital securities of Pathfinder Statutory Trust II (“Floating-Rate Debentures”). The Company borrowed the proceeds of the capital securities from its subsidiary by issuing floating rate junior subordinated deferrable interest debentures having substantially similar terms. The capital securities mature in 2037 and are treated as Tier 1 capital by the FDIC and FRB. The capital securities of the trust are a pooled trust preferred fund of Preferred Term Securities VI, Ltd., whose interest rate resets quarterly, and are indexed to the 3 -month Secured Overnight Funding Rate ("SOFR") plus 1.91 %. These securities have a five-year call provision. The Company paid $ 361,000 and $ 178,000 in interest expense related to this issuance in 2023 and 2022, respectively. The Company guarantees all of these securities. The Company's equity interest in the trust subsidiary is included in other assets on the Consolidated Statements of Financial Condition at December 31, 2023 and 2022. For regulatory reporting purposes, the Federal Reserve Board has indicated that the preferred securities will continue to qualify as Tier 1 Capital subject to previously specified limitations, until further notice. If regulators make a determination that Trust Preferred Securities can no longer be considered in regulatory capital, the securities become callable and the Company may redeem them. The composition of subordinated debt at December 31 is as follows: (In thousands) 2023 2022 Subordinated debt Junior subordinated debenture $ 5,155 $ 5,155 Subordinated debt $ 25,000 $ 25,000 Deferred Financing Charges ( 241 ) ( 422 ) Total subordinated debt $ 29,914 $ 29,733 The principal balances, interest rates and maturities of the subordinated debt at December 31, 2023 are as follows: Term Principal Rates (Dollars in thousands) Subordinated debt: Due within 8 years $ 25,000 5.5 % Due within 15 years 5,155 3-Month LIBOR + 1.65 % Total subordinated debt $ 30,155 Scheduled repayments of the subordinated debt at December 31, 2023 are as follows: (In thousands) 2024 $ - 2025 25,000 2026 - 2027 - 2028 - Thereafter 5,155 Total $ 30,155

Employee Benefits and Deferred

Employee Benefits and Deferred Compensation and Supplemental Retirement Plans	12 Months Ended
	Dec. 31, 2023
Retirement Benefits [Abstract]
Employee Benefits and Deferred Compensation and Supplemental Retirement Plans	NOTE 14: Employee Benefits and Deferred Compensation and Supplemental Retirement Plans The Company has a noncontributory defined benefit pension plan covering substantially all employees. The plan provides defined benefits based on years of service and final average salary. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan. The plan was frozen on June 30, 2012. Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date. Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. In addition, the Company provides certain health and life insurance benefits for a limited number of eligible retired employees. The healthcare plan is contributory with participants’ contributions adjusted annually; the life insurance plan is noncontributory. Employees with less than 14 years of service as of January 1, 1995, are not eligible for the health and life insurance retirement benefits. The following tables set forth the changes in the plans’ benefit obligations, fair value of plan assets and the plans’ funded status as of December 31: Pension Benefits Postretirement Benefits (In thousands) 2023 2022 2023 2022 Change in benefit obligations: Benefit obligations at beginning of year $ 9,442 $ 12,720 $ 136 $ 325 Service cost - - - - Interest cost 562 465 8 11 Plan participants' contribution - - 5 9 Actuarial (gain) loss 214 ( 3,368 ) ( 7 ) ( 164 ) Benefits paid ( 632 ) ( 375 ) ( 22 ) ( 45 ) Benefit obligations at end of year 9,586 9,442 120 136 Change in plan assets: Fair value of plan assets at beginning of year 16,311 20,531 - - Actual return on plan assets 1,429 ( 3,845 ) - - Benefits paid ( 632 ) ( 375 ) 16 ( 45 ) Plan participants' contribution - - 6 9 Employer contributions - - ( 22 ) 36 Fair value of plan assets at end of year 17,108 16,311 - - Funded (unfunded) status - asset (liability) $ 7,522 $ 6,869 $ ( 120 ) $ ( 136 ) The funded status of the pension was recorded within other assets on the statement of condition. The unfunded status of the postretirement plan is recorded within other liabilities on the statement of condition. Amounts recognized in accumulated other comprehensive loss as of December 31 are as follows: Pension Benefits Postretirement Benefits (In thousands) 2023 2022 2023 2022 Net loss (gain) $ 2,909 $ 3,389 $ ( 103 ) $ ( 103 ) Tax Effect 760 886 ( 27 ) ( 27 ) $ 2,149 $ 2,503 $ ( 76 ) $ ( 76 ) Gains and losses in excess of 10 % of the greater of the benefit obligation or the fair value of assets are amortized over the average remaining service period of active participants. The Company utilized the actual projected cash flows of the participants in both plans for the years ended December 31, 2023 and December 31, 2022. The following points address the approach taken. 1. An analysis of the defined benefit pension plan’s expected future cash flows and high-quality fixed income investments currently available and expected to be available during the period to maturity of the pension benefits yielded a single discount rate of 5.94 % at December 31, 2023. 2. An analysis of the postretirement health plan’s expected future cash flows and high-quality fixed-income investments currently available and expected to be available during the period to maturity of the retiree medical benefits yielded a single discount rate of 5.94 % at December 31, 2023. 3. Each discount rate was developed by matching the expected future cash flows of the Bank to high quality bonds. Every bond considered has earned ratings of at least AA by Fitch Group, AA by Standard & Poor’s, or Aa2 by Moody’s Investor Services. The accumulated benefit obligation for the defined benefit pen sion plan was $ 9.6 million and $ 9.4 million at December 31, 2023 and 2022, respectively. The postretirement plan had an accumulated benefit obligation of $ 120,000 an d $ 136,000 at December 31, 2023 and 2022, respectively. The significant assumptions used in determining the benefit obligations as of December 31, are as follows: Pension Benefits Postretirement Benefits 2023 2022 2023 2022 Weighted average discount rate 5.94 % 6.09 % 5.94 % 6.09 % Rate of increase in future compensation levels - - - - Assumed health care cost trend rates have a significant effect on the amounts reported for the postretirement health care plan. The annual rates of increase in the per capita cost of covered medical and prescription drug benefits for future years were assumed to be 4.60 % for 2023 , gradually decreasing to 4.30 % in 2028 and remain at that level thereafter. The composition of the net periodic benefit plan (benefit) cost for the years ended December 31 is as follows: Pension Benefits Postretirement Benefits (In thousands) 2023 2022 2023 2022 Service cost $ - $ - $ - $ - Interest cost 562 465 8 11 Expected return on plan assets ( 965 ) ( 1,068 ) - - Amortization of transition obligation - - - - Amortization of net losses 229 - ( 5 ) 7 Amortization of unrecognized past service liability - - ( 2 ) ( 5 ) Net periodic benefit plan (benefit) cost $ ( 174 ) $ ( 603 ) $ 1 $ 13 The significant assumptions used in determining the net periodic benefit plan cost for years ended December 31, were as follows: Pension Benefits Postretirement Benefits 2023 2022 2023 2022 Weighted average discount rate 6.09 % 6.09 % 5.94 % 6.09 % Expected long term rate of return on plan assets 6.00 % 6.00 % - - Rate of increase in future compensation levels - - - - The long term rate of return on assets assumption was set based on historical returns earned by equities and fixed income securities, adjusted to reflect expectations of future returns as applied to the plan’s target allocation of asset classes. Equities and fixed income securities were assumed to earn real rates of return in the ranges of 6.5 % to 8.5 % and 2.0 % to 4.0 %, respectively. The long-term inflation rate was estimated to be 2.5 %. When these overall return expectations are applied to the plan’s target allocation, the expected rate of return was determined to be in the range of 5.0 % to 7.0 %. Management chose to use a 6.00 % expected long-term rate of return in 2023 and a 6.0 % expected long-term rate of return in 2024 reflecting current economic conditions and expected rates of return. Based on the $ 17.1 million fair value of plan assets at December 31, 2023, each 50 basis point decrease in the expected long-term rate of return would reduce after tax net income at a 2024 expected state and federal combined statutory tax rate of 26.1 % by approximately $ 63,000 . The estimated net actuarial income that will be amortized from accumulated other comprehensive income into net periodic benefit plan income during 2024 is $ 299,000 . The estimated amortization of the unrecognized transition obligation and actuarial income for the postretirement health plan in 2024 is $ 120,000 . The expected net periodic benefit plan benefit for 2024 is estimated to be $ 299,000 for both retirement plans in aggregate. Plan assets are invested in three diversified investment portfolios of the Pentegra Retirement Trust (the “Trust”, formerly known as RSI Retirement Trust), a private placement investment fund. The Trust has been given discretion by the Plan Sponsor to determine the appropriate strategic asset allocation versus plan liabilities, as governed by the Trust’s Investment Policy Statement. The Plan is structured to utilize a Liability Driven Investment (LDI) approach which seeks to fund the current and future liabilities of the Plan and aims to mitigate funded status and contribution volatility. The Plan’s asset allocation targets to hold 48 % of assets in equity securities via investment in the Long-Term Growth – Equity Portfolio (‘LTGE’), 16 % in intermediate-term investment grade bonds via investment in the Long-Term Growth – Fixed-Income Portfolio (‘LTGFI’), 35 % in long duration bonds via the Liability Focused Fixed-Income Portfolio (‘LFFI’), and 1 % in a cash equivalents portfolio (for liquidity). LTGE is a diversified portfolio that invests in a number of actively and passively managed equity-focused mutual funds and collective investment trusts. The Portfolio holds a diversified mix of equity funds in order to gain exposure to the U.S. and non-U.S. equity markets. LTGFI is a diversified portfolio that invests in a number of fixed-income mutual funds and collective investment trusts. The Portfolio invests primarily in intermediate-term bond funds with a focus on Core Plus fixed-income investment approaches. LFFI is a diversified high quality fixed-income portfolio that currently invests in passively managed collective investment trusts that hold long duration bonds. The investment objectives, investment strategies and risks of each of the daily valued and unitized Portfolios and the funds held within the Portfolios are detailed in the Private Placement Memorandum and the Trust’s Investment Policy Statement. The overall long-term investment objectives are to maintain plan assets at a level that will sufficiently cover long-term obligations and to generate a return on plan assets that will meet or exceed the rate at which long-term obligations will grow. The LTGE and LTGFI Portfolios are designed to provide long-term growth of equity and fixed-income assets with the objective of achieving an investment return in excess of the cost of funding the active life, deferred vested, and all 30 -year term and longer obligations of retired lives in the Trust. The LFFI Portfolio is designed to fund the Trust’s estimated retired lives class of liabilities for 30 years. Risk/volatility is further managed by the distinct investment objectives of each of the Trust’s Portfolios. Pe nsion plan assets measured at fair value are summarized below: At December 31, 2023 (In thousands) Level 1 Level 2 Level 3 Total Fair Asset Category: Mutual Funds - Equity Large-cap (a) $ 2,885 $ - $ - $ 2,885 Mid-cap / Small-cap (a) 723 - - 723 International Equity (a) 1,442 - - 1,442 Equity -Total 5,050 - - 5,050 Fixed Income Funds Government Securities (b) (c) 7,990 593 - 8,583 Investment Grade Bonds (d) (e) 329 1,498 - 1,827 Fixed Income-Total 8,319 2,091 - 10,410 Cash Equivalents (f) (g) 1,634 14 - 1,648 Total $ 15,003 $ 2,105 $ - $ 17,108 *Includes cash equivalents investments in equity and fixed income strategies a) This category includes exchange-traded funds representing equity markets. b) This category includes nominal U. S Treasuries. c) This category includes U.S. Agencies and U.S. TIPS . d) This category includes exchange traded funds with fixed income as the underlying exposure. e) This category includes investment grade corporate bonds and municipal bonds . f) This category includes a fully collateralized money market fund. g) This category includes an ex-dividend that will be paid in cash and accrued interest for the money market fund. At December 31, 2022 (In thousands) Level 1 Level 2 Level 3 Total Fair Asset Category: Mutual Funds - Equity Large-cap value (a) $ - $ 1,659 $ - $ 1,659 Large-cap Growth (b) - 1,239 - 1,239 Large-cap Core (c) - 993 - 993 Mid-cap Value (d) - 384 - 384 Mid-cap Growth (e) - 309 - 309 Mid-cap Core (f) - 340 - 340 Small-cap Value (g) - 179 - 179 Small-cap Growth (h) - 413 - 413 Small-cap Core (i) - 268 - 268 International Equity (j) - 2,199 - 2,199 Equity -Total - 7,983 - 7,983 Fixed Income Funds Fixed Income - US Core (k) - 2,007 - 2,007 Intermediate Duration (l) - 3,347 - 3,347 Long Duration (m) - 2,568 - 2,568 Fixed Income-Total - 7,922 - 7,922 Cash Equivalents-Money market* 54 352 - 406 Total $ 54 $ 16,257 $ - $ 16,311 *Includes cash equivalents investments in equity and fixed income strategies a) This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks. b) This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S. c) This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index. d) This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index. e) This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index. f) This category seeks to track the performance of the S&P Midcap 400 Index. g) This category consists of a selection of investments based on the Russell 2000 Value Index. h) This category consists of a mutual fund invested in small capitalization growth companies along with a fund invested in a selection of investments based on the Russell 2000 Growth Index. i) This category consists of a mutual fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10 % of the market universe, or smaller than the 1000th largest US company. j) This category invests primarily in medium to large non-US companies in developed and emerging markets. Under normal circumstances, at least 80 % of total assets will be invested in equity securities, including common stocks, preferred stocks, and convertible securities. k) This category currently includes equal investments in three mutual funds, two of which usually hold at least 80 % of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index. The third fund targets investments of 50 % or more in mortgage-backed securities guaranteed by the US government and its agencies. l) This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5- 20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better. m) This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term. For the fiscal year ending December 31, 2024, the Company expects to c ontribute approximately $ 13,000 to the postretirement plan . The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid from both retirement plans: Pension Postretirement (In thousands) Benefits Benefits Total Years ending December 31: 2024 $ 462 $ 13 $ 475 2025 482 13 495 2026 603 12 615 2027 625 12 637 2028 685 12 697 Thereafter 3,651 51 3,702 The Company also offers a 401(k) plan to its employees. Contributions to this plan by the Company were $ 449,000 and $ 433,000 for 2023 and 2022, respectively. In addition, the Company made $ 349,000 and $ 337,000 of safe harbor contributions to the plan in 2023 and 2022, respectively. The Company maintains optional deferred compensation plans for its directors and certain executive officers, whereby fees and income normally received are deferred and paid by the Company based upon a payment schedule commencing between the ages of 65 and 70 and continuing monthly for 10 years. At December 31, 2023 and 2022, other liabilities include approximately $ 3.3 million and $ 3.2 million, respectively, relating to deferred compensation. Deferred compensation expense for the years ended December 31, 2023 and 2022 amounted to approximately $ 341,000 and $ 355,000 , respectively. To assist in the funding of the Company’s benefits under the supplemental executive retirement plan and deferred compensation plans, the Company is the owner of single premium life insurance policies on selected participants. At December 31, 2023 and 2022, the cash surrender values of these policies were $ 24.6 million and $ 24.0 million, respectively. The Bank adopted a Defined Contribution Supplemental Executive Retirement Plan (the “SERP”), effective January 1, 2014. The SERP benefits certain key senior executives of the Bank who are selected by the Board to participate, including our named executive officers. The SERP is intended to provide a benefit from the Bank upon retirement, death, disability or voluntary or involuntary termination of service (other than “for cause”), subject to the requirements of Section 409A of the Internal Revenue Code. Accordingly, the SERP obligates the Bank to make a contribution to each executive’s account on the last business day of each calendar year. In addition, the Bank, may, but is not required to, make additional discretionary contributions to the executive’s accounts from time to time. All executives currently participating in the plan, including the named executive officers, are fully vested in the Bank’s contribution to the plan. In the event the executive is terminated involuntarily or resigns for good reason within 24 months following a change in control, the Bank is required to make additional annual contributions the lesser of: (1) three years or (2) the number of years remaining until the executive’s benefit age, subject to potential reduction to avoid an excess parachute payment under Code Section 280G. In the event of the executive’s death, disability or termination within 24 months after a change in control, the executive’s account will be paid in a lump sum to the executive or his beneficiary, as applicable. In the event the executive is entitled to a benefit from the SERP due to retirement or other termination of employment, the benefit will be paid either in a lump sum or in 10 annual installments as detailed in his or her participant agreement. At December 31, 2023 and 2022, other liabilities included $ 694,0 00 and $ 635,000 , respectively, accrued under this plan.

Stock Based Compensation Plans

Stock Based Compensation Plans	12 Months Ended
	Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]
Stock Based Compensation Plans	NOTE 15: Stock Based Compensation PlanS In May 2016, the Board of Directors of the Company approved the grant of stock option awards to its directors, executive officers, senior officers and officers under the 2016 Equity Incentive Plan that was approved at the Annual Meeting of Shareholders on May 4, 2016 when 263,605 shares were authorized for award. Activity in the stock option plans is as follows: Options Outstanding Shares Exercisable Number of Weighted Average Number of Weighted Average (Shares in thousands) Shares Exercise Price Shares Exercise Price Outstanding at January 1, 2022 264 $ 10.98 210 $ 11.05 Granted - - - - Newly vested - - 27 10.73 Exercised ( 37 ) - ( 37 ) - Forfeited ( 4 ) 11.35 - - Expired - - - - Outstanding at December 31, 2022 223 $ 10.94 200 $ 10.98 Granted - $ - - $ - Newly vested - - 23 - Exercised ( 58 ) - ( 58 ) - Forfeited - - - - Expired - - - - Outstanding at December 31, 2023 165 $ 11.03 165 $ 11.03 The aggregate intrinsic value of stock options represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had all option holders exercised their options prior to the expiration date. The intrinsic value can change based on fluctuations in the market value of the Company’s stock. The intrinsic v alue of the stock options was $ 626,000 and $ 1.8 million at December 31, 2023 and December 31, 2022, respectively. At December 31, 2023 and 2022, the average remaining contractual life of outstanding options and shares exercisable was 3.5 years and 3.5 years, respectively. Restricted Stock Unit Grants In May 2016, the Board of Directors of the Company approved the grant of restricted stock units to its directors, executive officers, senior officers and officers under the 2016 Equity Incentive Plan that was approved at the Annual Meeting of Shareholders on May 4, 2016 when 105,442 shares were authorized for award. A total of 31,635 restricted stock units were granted to the nine directors of the Company and 8,436 restricted stock units, ("RSUs") in total, were granted to two officers. The units vest ratably over five years ( 20 % per year for each year of the participant’s service with the Company). In addition, on that date a total of 46,570 restricted stock units were granted to the Chief Executive Officer, two executive officers and three senior officers. The units vested ratably over seven years (approximately 14.28 % per year for each year of the participant’s service with the Company) with the exception of one senior officer whose units vested upon retirement on August 1, 2017. In September 2020, the Board of Directors of the Company approved the grant of 1,000 restricted stock units to one officer. The units vest ratably over three years (approximately 33.3 % per year for each year of the participant’s service with the Company). In October 2020, the Board of Directors of the Company approved the grant of 17,801 restricted stock units to three senior officers and four officers. The units vest ratably over three years (approximately 33.3 % per year for each year of the participant’s service with the Company). The compensation expense of the stock option awards and restricted stock units is based on the fair value of the instruments on the date of grant. The Company recorded compensation expense in the amount of $ 92,000 and $ 157,000 in 2023 and 2022, respectively, and is expected to record $- 0 - in expenses related to the RSUs in 2024 and 2025.

Employee Stock Ownership Plan

Employee Stock Ownership Plan	12 Months Ended
	Dec. 31, 2023
Employee Stock Ownership Plan [Abstract]
Employee Stock Ownership Plan	NOTE 16: EMPLOYEE STOCK OWNERSHIP PLAN The Bank established the Pathfinder Bank Employee Stock Ownership Plan (“the Plan”, or "the ESOP") to purchase stock of the Company for the benefit of its employees. In July 2011, the Plan received a $ 1.1 million loan from Community Bank, N.A., guaranteed by the Company, to fund the Plan’s purchase of 125,000 shares of the Company’s treasury stock. The loan was being repaid in equal quarterly installments of principal plus interest over ten years beginning October 1, 2011. Interest accrued at the Wall Street Journal Prime Rate plus 1.00 %, and was secured by the unallocated shares of the ESOP stock. This loan was refinanced in connection with the Conversion and Offering that occurred on October 16, 2014. In connection with the Conversion and Offering, the ESOP purchased 105,442 shares issued in the offering by obtaining a loan from the Company which was used to purchase both the additional shares and refinance the remaining outstanding balance on the loan from Community Bank N.A. There were 138,982.5 shares associated with the refinanced loan resulting in a total of 244,424.5 shares associated with the new loan provided by the Company. The ESOP loan from the Company has a ten year term and is being repaid in equal payments of principal and interest under a fixed rate of interest equal to 3.25 % which was the prime rate of interest on the date of the closing of the offering. This ESOP loan from the Company, also referred to as an internally leveraged ESOP, does not appear as a liability on the Company’s Consolidated Statement of Condition as of December 31, 2023 in accordance with ASC 718-40-25-9d. In accordance with the payment of principal on the loan, a proportionate number of shares are allocated to the employees over the ten year time horizon of the loan. Participants’ vesting interest in the shares of Company stock is at the rate of 20 % per year. Compensation expense is recorded based on the number of shares released to the participants times the average market value of the Company’s stock over that same period. Dividends on unallocated shares, recorded as compensation expense on the income statement, are made available to the participants' account. The Company recorded $ 379,000 and $ 489,000 in compensation expense in 2023 and 2022, respectively, including $ 10,000 and $ 19,000 for dividends on unallocated shares in these same time periods. At December 31, 2023, there were 18,332 unearned ESOP shares with a fair value of $ 257,000 .

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Income Taxes	NOTE 17: Income Taxes The provision for income taxes for the years ended December 31, is as follows: (In thousands) 2023 2022 Current $ 2,729 $ 2,517 Deferred ( 367 ) 139 $ 2,362 $ 2,656 The provision for income taxes includes the following (In thousands) 2023 2022 Federal Income Tax $ 2,295 $ 2,342 State Tax 67 314 $ 2,362 $ 2,656 The components of the net deferred tax asset (liability), included in other assets as of December 31, are as follows: (In thousands) 2023 2022 Assets: Deferred compensation $ 1,102 $ 1,051 Allowance for credit losses 4,423 4,004 Postretirement benefits 31 36 Subordinated debt interest 58 37 Loan origination fees 150 261 Investment securities 2,676 3,583 Stock-based compensation 37 71 Lease Liabilities 447 632 Other 466 322 Total 9,390 9,997 Liabilities: Prepaid pension ( 1,966 ) ( 1,795 ) Cash flow hedges ( 17 ) ( 135 ) Depreciation ( 1,675 ) ( 2,097 ) Accretion ( 214 ) ( 494 ) Intangible assets ( 1,004 ) ( 1,004 ) Mortgage servicing rights ( 86 ) ( 96 ) Right-of-use assets ( 398 ) ( 549 ) Prepaid expenses and transaction fees ( 101 ) ( 112 ) Total ( 5,461 ) ( 6,282 ) Net deferred tax asset $ 3,929 $ 3,715 Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the statutory carry back period. A valuation allowance is provided when it is more likely than not that some portion, or all of the deferred tax assets, will not be realized. In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax liabilities, the level of historical taxable income and the projected future level of taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible. Deferred income tax assets and liabilities are determined using the liability method. Under this method, the net deferred tax asset or liability is recognized for their future tax consequences. This is attributable to the differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis as well as net operating and capital loss carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates applied to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. If current available evidence about the future raises doubt about the likelihood of a deferred tax asset being realized, a valuation allowance is established. The judgment about the level of future taxable income, including that which is considered capital, is inherently subjective and is reviewed on a continual basis as regulatory and business factors change. In 2023, the Company’s effective tax rate was 20.8 %, as compared to 17.5 % in 2022. A reconciliation of the federal statutory income tax rate to the effective income tax rate for the years ended December 31, is as follows: 2023 2022 Federal statutory income tax rate 21.0 % 21.0 % State tax, net of federal benefit 0.4 1.6 Tax-exempt interest income ( 1.2 ) ( 1.3 ) Increase in value of bank owned life insurance less premiums paid ( 1.1 ) ( 0.8 ) Change in valuation allowance - ( 0.4 ) Federal credits ( 0.6 ) ( 0.6 ) Other 1.5 ( 2.5 ) Effective income tax rate - Pathfinder Bancorp, Inc. 20.0 % 17.0 % Noncontrolling interest 0.8 0.5 Effective income tax rate 20.8 % 17.5 %

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 18: Commitments and Contingencies The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Such commitments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated statement of condition. The contractual amount of those commitments to extend credit reflects the extent of involvement the Company has in this particular class of financial instrument. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of the instrument. The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments. At December 31, 2023 and 2022, the following financial instruments were outstanding whose contract amounts represent credit risk: Contract Amount (In thousands) 2023 2022 Commitments to grant loans $ 41,878 $ 50,605 Unfunded commitments under lines of credit 157,150 155,453 Unfunded commitments related to construction loans in progress 4,342 7,142 Standby letters of credit 1,657 2,845 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitment amounts are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the counter party. Collateral held varies but may include residential real estate and income-producing commercial properties. Loan commitments outstanding at December 31, 2023 with variable interest rates and fixed interest rates were approximately $ 151.0 million and $ 42.3 million, respectively. These outstanding loan commitments carry current market rates. Unfunded commitments under standby letters of credit, revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit usually do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed. Letters of credit written are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Generally, all letters of credit, when issued have expiration dates within one year . The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers. The Company generally holds collateral and/or personal guarantees supporting these commitments. Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees.

Dividends and Restrictions

Dividends and Restrictions	12 Months Ended
	Dec. 31, 2023
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Dividends and Restrictions	NOTE 19: Dividends and Restrictions The Company's ability to pay dividends to its shareholders is largely dependent on the Bank's ability to pay dividends to the Company. In addition to state law requirements and the capital requirements discussed in Note 20, regulatory matters, regulations and policies limit the circumstances under which the Bank may pay dividends. The amount of retained earnings legally available under these regulations approximated $ 41.4 million as of December 31, 2023. Dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements. The Bank made no dividend payments to the Company in the years ended December 31, 2023 or December 31, 2022. Capital adequacy is evaluated primarily by the use of ratios which measure capital against total assets, as well as against total assets that are weighted based on defined risk characteristics. The Company’s goal is to maintain a strong capital position, consistent with the risk profile of its banking operations. This strong capital position serves to support growth and expansion activities while at the same time exceeding regulatory standards. At December 31, 2023, the Bank met the regulatory definition of a “well-capitalized” institution, i.e. a leverage capital ratio exceeding 5%, a Tier 1 risk-based capital ratio exceeding 8%, Tier 1 common equity exceeding 6.5%, and a total risk-based capital ratio exceeding 10%. In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements. The buffer is separate from the capital ratios required under the Prompt Corrective Action (“PCA”) standards. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum levels of the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity. The capital conservation buffer requirement is now fully implemented at 2.5% of risk-weighted assets. At December 31, 2023, the Bank exceeded all regulatory required minimum capital ratios, including the capital buffer requirements.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Matters	NOTE 20: Regulatory Matters The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of its assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain amounts and ratios (set forth in the table below) of Total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). As of December 31, 2023, the Bank’s most recent notification from the FDIC categorized the Bank as “well-capitalized”, under the regulatory framework for prompt corrective action. To be categorized as “well-capitalized”, the Bank must maintain total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the tables below. There are no conditions or events since that notification that management believes have changed the Bank’s category. As noted above, the regulations also impose a “capital conservation buffer” consisting of 2.5 % of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements. The buffer is separate from the capital ratios required under the Prompt Corrective Action (“PCA”) standards and imposes restrictions on dividend distributions and discretionary bonuses if the buffer is not met. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum levels of the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity. At December 31, 2023, the Bank exceeded all regulatory required minimum capital ratios, including the capital buffer requirements. The Bank’s actual capital amounts and ratios as of December 31, 2023 and 2022 are presented in the following table. Actual Minimum For Minimum To Be Minimum for (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2023: Total Core Capital (to Risk-Weighted Assets) $ 155,922 15.05 % $ 82,860 8.00 % $ 103,575 10.00 % $ 108,753 10.50 % Tier 1 Capital (to Risk-Weighted Assets) $ 142,927 13.80 % $ 62,145 6.00 % $ 82,860 8.00 % $ 88,038 8.50 % Tier 1 Common Equity (to Risk-Weighted Assets) $ 142,927 13.80 % $ 46,609 4.50 % $ 67,324 6.50 % $ 72,502 7.00 % Tier 1 Capital (to Assets) $ 142,927 10.11 % $ 56,548 4.00 % $ 70,685 5.00 % $ 70,685 5.00 % As of December 31, 2022: Total Core Capital (to Risk-Weighted Assets) $ 145,760 15.14 % $ 77,029 8.00 % $ 96,286 10.00 % $ 101,100 10.50 % Tier 1 Capital (to Risk-Weighted Assets) $ 133,683 13.88 % $ 57,772 6.00 % $ 77,029 8.00 % $ 81,843 8.50 % Tier 1 Common Equity (to Risk-Weighted Assets) $ 133,683 13.88 % $ 43,329 4.50 % $ 62,586 6.50 % $ 67,400 7.00 % Tier 1 Capital (to Assets) $ 133,683 9.67 % $ 55,314 4.00 % $ 69,142 5.00 % $ 69,142 5.00 % The Company’s goal is to maintain a strong capital position, consistent with the risk profile of its subsidiary bank that supports growth and expansion activities while at the same time exceeding regulatory standards. At December 31, 2023, the Bank exceeded all regulatory required minimum capital ratios and met the regulatory definition of a “well-capitalized” institution, i.e. a leverage capital ratio exceeding 5 %, a Tier 1 risk-based capital ratio exceeding 6 % and a total risk-based capital ratio exceeding 10 %. The Federal Reserve Board regulations previously required banks to maintain non-interest-earning reserves on deposit at the Federal Reserve Bank (“FRB”), against their transaction accounts (primarily negotiable order of withdrawal (“NOW”) and regular checking accounts). In March 2020, due to a change in its approach to monetary policy due to the COVID-19 pandemic, the Federal Reserve Board announced an interim rule to amend Regulation D requirements and reduce reserve requirement ratios to zero . The Federal Reserve Board has indicated that it has no plans to re-impose reserve requirements, but may do so in the future.

Interest Rate Derivatives

Interest Rate Derivatives	12 Months Ended
	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest Rate Derivatives	NOTE 21: INTEREST RATE DERIVATIVES The Company is exposed to certain risks from both its business operations and changes in economic conditions. As part of managing interest rate risk, the Company enters into standardized interest rate derivative contracts (designated as hedging agreements) to modify the repricing characteristics of certain portions of the Company’s portfolios of earning assets and interest-bearing liabilities. The Company designates interest rate hedging agreements utilized in the management of interest rate risk as either fair value hedges or cash flow hedges. Interest rate hedging agreements are generally entered into with counterparties that meet established credit standards and the agreements contain master netting, collateral and/or settlement and escrow provisions protecting the at-risk party. Based on adherence to the Company’s credit standards and the presence of the netting, collateral or settlement provisions, the Company believes that the credit risk inherent in these contracts was not material at December 31, 2023. Interest rate hedging agreements are recorded at fair value as other assets or liabilities. The Company had no material derivative contracts not designated as hedging agreements at December 31, 2023 or December 31, 2022. As a result of interest rate fluctuations, fixed-rate assets and liabilities will appreciate or depreciate in fair value. When effectively hedged, this appreciation or depreciation will generally be offset by changes in the fair value of derivative instruments that are linked to the hedged assets and liabilities. This strategy is referred to as a fair value hedge. In a fair value hedge, the fair value of the derivative (the interest rate hedging agreement) and changes in the fair value of the hedged item are recorded in the Company’s Consolidated Statements of Condition with the corresponding gain or loss recognized in current earnings. The difference between changes in the fair value of the interest rate hedging agreements and the hedged items represents hedge ineffectiveness and is recorded as an adjustment to the interest income or interest expense of the respective hedged item in the current period. Cash flows related to floating rate assets and liabilities will fluctuate with changes in underlying rate indices. When effectively hedged, the increases or decreases in cash flows related to the floating-rate asset or liability will generally be offset by changes in cash flows of the derivative instruments designated as a hedge. This strategy is referred to as a cash flow hedge. In a cash flow hedge, the effective portion of the derivative’s gain or loss is initially reported as a component of other comprehensive income and subsequently reclassified into earnings when the forecasted transaction affects earnings. The ineffective portion of the derivative’s gain or loss on cash flow hedges is recorded as an adjustment to the interest income or interest expense of the respective hedged item in the current period. Among the array of interest rate hedging contracts, potentially available to the Company, are interest rate swap and interest rate cap (or floor) contracts. The Company uses interest rate swaps, cap or floor contracts as part of its interest rate risk management strategies. Interest rate swaps involve the receipt of variable (or fixed) amounts from a counterparty in exchange for the Company making fixed (or variable) payments over the life of the agreements without the exchange of the underlying notional amount. An interest rate cap is a type of interest rate derivative in which the buyer receives payments at the end of each contractual period in which the index interest rate exceeds the contractually agreed upon strike price rate. The purchaser of a cap contract will continue to benefit from any rise in interest rates above the strike price. Similarly, an interest rate floor is a derivative contract in which the buyer receives payments at the end of each period in which the interest rate is below the agreed strike price. The purchaser of a floor contract will continue to benefit from any rise in interest rates above the strike price. The Company records various hedges in the Consolidated Statement of Condition at fair value. The Company’s accounting treatment for these derivative instruments is based on the instruments hedge designation, either fair value or cash flow, determined at the inception of each derivative instrument's contractual term. The following tables show the Company’s outstanding fair value hedges at December 31, 2023 and December 31, 2022: (In thousands) Hedge-Adjusted Carrying Amount of the Hedged Assets at Cumulative Amount of Fair Value Hedging Adjustment Subtracted from Carrying Amount of the Hedged Assets at December 31, 2023 Hedge-Adjusted Carrying Amount of the Hedged Assets at Cumulative Amount of Fair Value Hedging Adjustment Subtracted from Carrying Amount of the Hedged Assets at December 31, 2022 Line item on the balance sheet in which the hedged item is included: Available-for-sale securities (1) $ 95,887 $ 3,113 $ 68,741 $ 8,240 Loans receivable (2) $ 156,836 $ 620 $ 37,196 $ 1,477 (1) The $ 95.9 million carrying amount of hedged assets represents the hedge-adjusted amortized cost basis of specifically-identified high grade municipal and GSE-backed securities designated as the underlying assets for the hedging relationships. The notional amount of the designated hedges were $ 89.1 million and $ 66.8 million at December 31, 2023 and December 31, 2022, respectively. The fair value of the derivatives (an unrealized gain, receivable from derivative counterparties), recorded in other assets, resulted in a net asset position of $ 3.1 million and $ 8.2 million at December 31, 2023 and December 31, 2022, respectively. The Company’s participation in these fair value hedging transactions increased interest income by $ 2.1 million and $ 565,000 , in the years ended December 31, 2023 and 2022, respectively. (2) The $ 156.8 million carrying amount of hedged assets represents the hedge-adjusted amortized cost of a designated pool of residential mortgages and the aggregate hedge-adjusted amortized cost of four specified purchased consumer loan pools. These pools of loans were designated as the underlying assets for the hedging relationships in which the hedged underlying asset's notional amounts were the amortized cost projected to be remaining at the end of the contractual term of the hedging instruments. The amount of the designated hedged items were $ 141.0 million and $ 19.2 million at December 31, 2023 and December 31, 2022, respectively. At December 31, 2023, the fair value of the derivatives recorded in other assets (an unrealized gain, receivable from derivative counterparties) resulted in a net asset position of $ 603,000 , recorded by the Company in other assets. The Company’s participation in these fair value hedging transactions increased interest income by $ 2.3 million and $ 188,000 , in the years ended December 31, 2023 and 2022, respectively. Details of the two hedging strategies are presented below: a. On April 7, 2023 the Bank entered into an amortizing swap transaction with an initial notional amount of $ 100.0 million whereby the Bank will receive 3-month SOFR monthly based on the notional amount of the swap contract at the beginning of each month until the swap transaction expires in 2035 . The notional amount declines monthly according to a predetermined amortization schedule and was $ 91.0 million at December 31, 2023. The Bank will pay a fixed rate of 3.208 % to the contract's counterparty throughout the life of the contract based on each month's beginning notional balance. b. On December 7, 2023, the Bank entered into five fixed-pay interest rate swap contracts with a total notional amount of $ 50.0 million, whereby the Bank will receive 3-month SOFR monthly until the respective maturity dates of the contracts. The contracts expire in annual increments on December 1 of 2025 ($ 5.0 million, fixed rate of 4.463 %), 2026 ($ 5.0 million, fixed rate of 4.136 %), 2027 ($ 10.0 million, fixed rate of 3.973 %), 2028 ($ 15.0 million, fixed rate of 3.887 %), and 2029 ($ 15.0 million, fixed rate of 3.845 %). The fair value of these swap contracts, included as an addition to the carrying value of certain consumer loans was a negative $ 721,000 (an amount payable to the swap counterparty) at December 31, 2023. This payable amount is included in the loan related totals above. In February 2020, the Company entered into an interest rate cap contract, designated as a cash flow hedging transaction at its inception, in the notional amount of $ 40.0 million, intended to reduce the Company’s exposure to potential rises in short-term interest rates above the contractual level. The Company paid $ 228,000 in a one-time premium for the cap contract and has no further contractual obligations to the contractual counterparty over the remaining life of the contract. The premium was expected to be amortized ratably over the contractual term of the cap contract through its maturity date in February 2023. In September of 2021, the Company determined that the specific underlying funding stream, for which the interest rate cap was originally intended to hedge, was no longer going to be a continuing component of the Bank’s overall funding strategies. Therefore, although the cap contract continued to remain in force, it was no longer considered to be a hedge against any specific funding liability and the Company re-designated the cap as a free-standing derivative and marked the fair value of the cap to market during each reporting period through earnings. The re-designation of the interest rate cap contract to a free-standing derivative resulted in the recognition of a $ 157,000 increase in interest expense in 2021, prior to its re-designation. The cap contract was terminated in April 2022 resulting in a gain, recorded as other noninterest income, of $ 26,000 . In March 2020, the Bank entered into an interest rate swap contract with an unaffiliated counterparty that expired in May 2023 . The contract was designated as a cash flow hedge at its inception. The notional amount of the swap was $ 40.0 million and the Bank paid a fixed rate of 1.39 % to the counterparty and received a variable payment equivalent to the published three-month LIBOR index rate to be paid by the swap counterparty through the expiration date of the contract. The hedged instrument was a planned series of 90-day revolving borrowings totaling $ 40.0 million that were obtained in the brokered certificate of deposit market. On three occasions in May 2023, the Bank entered into fixed-pay interest rate swap contracts with a total notional amount of $ 40.0 million, whereby the Bank will receive 1-month SOFR monthly until the respective maturity dates of the contracts. The contracts were designated as cash flow hedging transactions at their inception. The contracts expire in annual increments on May 1 of 2026 ($ 20.0 million, fixed rate of 3.663 %), 2026 ($ 10.0 million, fixed rate of 4.287 %), and 2027 ($ 10.0 million, fixed rate of 3.845 %). The fair value of these swap contracts, included as an addition to other comprehensive income was $ 45,000 (an amount that was receivable from the swap's counterparty) at December 31, 2023. This receivable is included in the table below. The following table shows the pre-tax position of the Company’s derivatives designated as cash flow hedges in OCI at December 31: (In thousands) 2023 2022 Fair market value adjustment gain/(loss) - interest rate swap $ 45 $ 519 Total gain (loss) in comprehensive income $ 45 $ 519 For the years ended (In thousands) December 31, 2023 December 31, 2022 Balance as of January 1: $ 519 $ ( 387 ) Amount of unrealized gains recognized in other ( 474 ) 906 Gain (loss) in other comprehensive income: $ 45 $ 519 The amounts of hedge ineffectiveness, recognized during the year ended December 31, 2023 for cash flow hedges were not material to the Company’s consolidated results of operations. A portion of, or the entire amount included in accumulated other comprehensive loss would be reclassified into current earnings should a portion of, or the entire hedge, no longer be considered effective. Management believes that the hedges will remain fully effective during the remaining term of the respective hedging contracts. The changes in the fair values of the interest rate hedging agreements primarily result from the effects of changing market index interest rates and the reduction of the time each quarter between the measurement date and the contractual maturity date of the hedging instrument. The Company manages its potential credit exposure on interest rate swap transactions by entering into bilateral credit support agreements with each contractual counterparty. These agreements require collateralization of credit exposures beyond specified minimum threshold amounts. At December 31, 2023 the Company was in a net receivable position with its swap counterparty (a large regional bank) and was therefore not required to place collateral funds in escrow.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Fair Value Measurements	NOTE 22: Fair Value MEASUREMENTS Accounting guidance related to fair value measurements and disclosures specifies a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company’s market assumptions. These two types of inputs have created the following fair value hierarchy: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Quoted prices for similar assets and liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; and model-derived valuations in which all significant inputs and significant value drivers are observable in active markets. Level 3 – Model-derived valuations in which one or more significant inputs or significant value drivers are unobservable. An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. In determining fair value, the Company utilizes valuation techniques that maximize the use of observable inputs, minimize the use of unobservable inputs, to the extent possible, and considers counterparty credit risk in its assessment of fair value. The Company used the following methods and significant assumptions to estimate fair value: Investment securities: The fair values of securities available-for-sale are obtained from an independent third party and are based on quoted prices on nationally recognized securities exchanges where available (Level 1). If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2). Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. Level 3 securities are assets whose fair value cannot be determined by using observable measures, such as market prices or pricing models. Level 3 assets are typically very illiquid, and fair values can only be calculated using estimates or risk-adjusted value ranges. Management applies known factors, such as currently applicable discount rates, to the valuation of those investments in order to determine fair value at the reporting date. The Bank holds two corporate investment securities with an aggregate amortized historical cost of $ 4.1 million and an aggregate fair market value of $ 4.3 million as of December 31, 2023. The securities had a valuation that is determined using published net asset values (NAV) derived by an analysis of the security’s underlying assets. The securities are comprised primarily of broadly-diversified real estate loans and are traded in secondary markets on an infrequent basis. While these securities are redeemable through tender offers made by their respective issuers, the liquidation value of the securities may be below their stated NAVs and also subject to restrictions as to the amount of securities that can be redeemed at any single scheduled redemption. The Company anticipates that these securities will be redeemed by their respective issuers on indeterminate future dates as a consequence of the ultimate liquidation strategies employed by the management of these investments. The Company also holds two limited partnership investments managed by an unrelated third party with an aggregate fair market value of $ 3.2 million. The investments are funds comprised of marketable equity securities, primarily focused on community banks and financial technology companies. These investments are recorded at fair value at the end of each reporting period using Level 1 valuation techniques. Unrealized changes in the fair value of these investments are recorded as components of periodic net income in the period in which the changes occur. Interest rate derivatives: The fair value of the interest rate derivatives, characterized as either fair value or cash flow hedges, are calculated based on a discounted cash flow model. All future floating rate cash flows are projected and both floating rate and fixed rate cash flows are discounted to the valuation date. The benchmark interest rate curve utilized for projecting cash flows and applying appropriate discount rates is built by obtaining publicly available third party market quotes for various swap maturity terms. Individually evaluated loans: Specifically-identified loans are those loans in which the Company has measured impairment based on the fair value of the loan’s collateral or the discounted value of expected future cash flows. Fair value is generally determined based upon market value evaluations by third parties of the properties and/or estimates by management of working capital collateral or discounted cash flows based upon expected proceeds. These appraisals may include up to three approaches to value: the sales comparison approach, the income approach (for income-producing property), and the cost approach. Management modifies the appraised values, if needed, to take into account recent developments in the market or other factors, such as, changes in absorption rates or market conditions from the time of valuation and anticipated sales values considering management’s plans for disposition. Such modifications to the appraised values could result in lower valuations of such collateral. Estimated costs to sell are based on current amounts of disposal costs for similar assets. These measurements are classified as Level 3 within the valuation hierarchy. Specifically-identified loans are subject to nonrecurring fair value adjustment upon initial recognition or subsequent impairment. A portion of the allowance for credit losses is allocated to specifically-identified loans if the value of such loans is deemed to be less than the unpaid balance. The following tables summarize assets measured at fair value on a recurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: December 31, 2023 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 80,083 $ - $ 80,083 State and political subdivisions - 32,924 - 32,924 Corporate - 6,576 - 6,576 Asset backed securities - 19,892 - 19,892 Residential mortgage-backed - US agency - 24,418 - 24,418 Collateralized mortgage obligations - US agency - 12,179 - 12,179 Collateralized mortgage obligations - Private label - 78,095 - 78,095 Total - 254,167 - 254,167 Equity investment securities: Common stock - financial services industry 206 - - 206 Other Securities: Corporate issuances measured at NAV - - - 4,343 Total available-for-sale securities $ 206 $ 254,167 $ - $ 258,716 Marketable equity securities measured at NAV $ - $ - $ 3,206 Interest rate swap derivative fair value hedges (unrealized gain carried as receivable from derivative counterparties) $ - $ 5,160 $ - $ 5,160 Interest rate swap derivative cash flow hedges (unrealized gain carried as receivable from derivative counterparties) $ - $ 45 $ - $ 45 December 31, 2022 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 29,364 $ - $ 29,364 State and political subdivisions - 45,385 - 45,385 Corporate - 7,066 - 7,066 Asset backed securities - 15,400 - 15,400 Residential mortgage-backed - US agency - 16,400 - 16,400 Collateralized mortgage obligations - US agency - 11,708 - 11,708 Collateralized mortgage obligations - Private label - 61,434 - 61,434 Total $ - $ 186,757 $ - $ 186,757 Equity investment securities: Common stock - financial services industry 206 - - 206 Other Securities: Corporate issuances measured at NAV - - - 4,763 Total available-for-sale securities $ 206 $ 186,757 $ - $ 191,726 Marketable equity securities measured at NAV $ - $ - $ 1,862 Interest rate swap derivative fair value hedges (unrealized gain carried as receivable from derivative counterparties) $ - $ 9,717 $ - $ 9,717 Interest rate swap derivative cash flow hedges (unrealized gain carried as receivable from derivative counterparties) $ - $ 519 $ - $ 519 The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: December 31, 2023 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Individually evaluated loans $ - $ - $ 9,722 $ 9,722 Foreclosed real estate - - 151 151 December 31, 2022 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 2,328 $ 2,328 Foreclosed real estate - - 221 221 The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value. Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2023 Individually evaluated loans Appraisal of collateral Discounted Cash Flow 10 % - 75 % ( 21 %) Foreclosed real estate Appraisal of collateral Costs to Sell 21 % - 24 % ( 22 %) Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2022 Impaired loans Appraisal of collateral Discounted Cash Flow 5 % - 35 % ( 17 %) (Sales Approach) Costs to Sell 7 % - 14 % ( 12 %) Foreclosed real estate Appraisal of collateral Appraisal Adjustments 15 % - 15 % ( 15 %) (Sales Approach) Costs to Sell 6 % - 9 % ( 8 %) Required disclosures include fair value information of financial instruments, whether or not recognized in the consolidated statement of condition, for which it is practicable to estimate that value. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument. The Company has various processes and controls in place to ensure that fair value is reasonably estimated. The Company performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process. While the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective period-ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end. FASB ASC Topic 820 for Fair Value Measurements and Disclosures, the financial assets and liabilities were valued at a price that represents the Company’s exit price or the price at which these instruments would be sold or transferred. The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The Company, in estimating its fair value disclosures for financial instruments, used the following methods and assumptions: Cash and cash equivalents – The carrying amounts of these assets approximate their fair value and are classified as Level 1. Federal Home Loan Bank stock – The carrying amount of these assets approximates their fair value and are classified as Level 2. Net loans – For variable-rate loans that re-price frequently, fair value is based on carrying amounts. The fair value of other loans (for example, fixed-rate commercial real estate loans, mortgage loans, and commercial and industrial loans) is estimated using discounted cash flow analysis, based on interest rates currently being offered in the market for loans with similar terms to borrowers of similar credit quality. Loan value estimates include judgments based on expected prepayment rates. The measurement of the fair value of loans, including individually evaluated loans, is classified within Level 3 of the fair value hierarchy. Accrued interest receivable and payable – The carrying amount of these assets approximates their fair value and are classified as Level 1. Deposits – The fair values disclosed for demand deposits (e.g., interest-bearing and noninterest-bearing checking, passbook savings and certain types of money management accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts) and are classified within Level 1 of the fair value hierarchy. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates of deposits to a schedule of aggregated expected monthly maturities on time deposits. Measurements of the fair value of time deposits are classified within Level 2 of the fair value hierarchy. Borrowings – Fixed/variable term structures are valued using a replacement cost of funds approach. These borrowings are discounted to the FHLBNY advance curve. Option structured borrowings’ fair values are determined by the FHLB for borrowings that include a call or conversion option. If market pricing is not available from this source, current market indications from the FHLBNY are obtained and the borrowings are discounted to the FHLBNY advance curve less an appropriate spread to adjust for the option. These measurements are classified as Level 2 within the fair value hierarchy. Subordinated debt – The Company secures quotes from its pricing service based on a discounted cash flow methodology or utilizes observations of recent highly-similar transactions which result in a Level 2 classification. The carrying amounts and fair values of the Company’s financial instruments as of December 31 are presented in the following table: December 31, 2023 December 31, 2022 Fair Value Carrying Estimated Carrying Estimated (In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and cash equivalents 1 $ 48,732 $ 48,732 $ 35,282 $ 35,282 Investment securities - available-for-sale 2 254,167 254,167 186,757 186,757 Investment securities - available-for-sale NAV 4,343 4,343 4,763 4,763 Investment securities - marketable securities NAV 3,206 3,206 1,862 1,862 Investment securities - held-to-maturity 2 179,286 168,034 194,402 181,491 Federal Home Loan Bank stock 2 8,748 8,748 5,982 5,982 Net loans 3 881,232 823,052 882,435 844,892 Accrued interest receivable 1 7,286 7,286 6,168 6,168 Interest rate derivative cash flow hedge receivable/(payable) 2 45 45 519 519 Interest rate derivative fair value hedges receivable - AFS investments 2 3,113 3,113 8,240 8,240 Interest rate derivative fair value hedges receivable - loans 2 2,047 1,477 1,477 1,477 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 607,301 $ 607,301 $ 699,624 $ 699,624 Time Deposits 2 512,766 517,514 425,806 393,676 Borrowings 2 175,599 174,071 115,997 112,877 Subordinated debt 2 29,914 28,026 29,733 27,378 Accrued interest payable 1 2,245 2,245 975 975

Parent Company - Financial Info

Parent Company - Financial Information	12 Months Ended
	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Parent Company - Financial Information	NOTE 23: Parent Company – Financial Information The following represents the condensed financial information of Pathfinder Bancorp, Inc. as of and for the years ended December 31: Statements of Condition 2023 2022 (In thousands) Assets Cash $ 5,336 $ 9,638 Investments 3,206 1,862 Investment in bank subsidiary 138,704 126,733 Investment in non-bank subsidiary 155 155 Premise and equipment, net - 9 Assets held-for-sale 3,042 3,042 Other assets 607 735 Total assets 151,050 142,174 Liabilities and Shareholders' Equity Accrued liabilities 880 859 Subordinated debt 29,914 29,733 Shareholders' equity 120,256 111,582 Total liabilities and shareholders' equity $ 151,050 $ 142,174 Statements of Income 2023 2022 (In thousands) Income Dividends from non-bank subsidiary $ 11 $ 5 Dividends from marketable equity security - 15 (Loss) gain on marketable securities ( 255 ) 352 Impairment on premise and equipment - ( 380 ) Operating, net 192 128 Total income ( 52 ) 120 Expenses Interest 1,941 1,749 Operating, net 724 1,299 Total expenses 2,665 3,048 Loss before taxes and equity in undistributed net ( 2,717 ) ( 2,928 ) Tax benefit 557 528 Loss before equity in undistributed net income of subsidiaries ( 2,160 ) ( 2,400 ) Equity in undistributed net income of subsidiaries 11,453 15,332 Net income $ 9,293 $ 12,932 Statements of Cash Flows 2023 2022 (In thousands) Operating Activities Net Income $ 9,293 $ 12,932 Equity in undistributed net income of subsidiaries ( 11,453 ) ( 15,332 ) Stock based compensation and ESOP expense 462 626 Amortization of deferred financing from subordinated loan 181 170 Gains on marketable securities 254 ( 352 ) Impairment of fixed asset - 380 Net change in other assets and liabilities 152 375 Net cash used in operating activities ( 1,111 ) ( 1,201 ) Investing Activities Purchase of investments ( 1,598 ) ( 1,628 ) Proceeds from sales of marketable equity securities - 714 Disposal of premises and equipment - ( 3,311 ) Transfer of fixed asset to held-for-sale - 3,042 Proceeds from insurance claim for premises and equipment - 60 Purchase of premises and equipment 9 ( 9 ) Net cash used in investing activities ( 1,589 ) ( 1,132 ) Financing activities Proceeds from exercise of stock options 623 418 Cash dividends paid to common shareholders ( 1,684 ) ( 1,568 ) Cash dividends paid to non-voting common shareholders ( 497 ) ( 469 ) Cash dividends paid on warrants ( 45 ) ( 43 ) Net cash used in financing activities ( 1,603 ) ( 1,662 ) Change in cash and cash equivalents ( 4,302 ) ( 3,995 ) Cash and cash equivalents at beginning of year 9,638 13,633 Cash and cash equivalents at end of year $ 5,336 $ 9,638

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2023
Related Party Transactions [Abstract]
RELATED PARTY TRANSACTIONS	NOTE 24: RELATED PARTY TRANSACTIONS In the ordinary course of business, the Company has granted loans to certain directors, executive officers and their affiliates (collectively referred to as “related parties”). None of the related party loans were classified as nonaccrual, past due, restructured, or potential problem loans at December 31, 2023 or 2022. The following represents the activity associated with loans to related parties during the years ended: December 31, December 31, (In thousands) 2023 2022 Balance at the beginning of the year $ 32,531 $ 22,427 Originations and related party additions 4,360 15,278 Principal payments and related party removals ( 4,149 ) ( 5,174 ) Balance at the end of the period $ 32,742 $ 32,531 Deposit accounts of related parties at December 31, 2023 and 2022 were $ 20.0 million and $ 19.5 million, respectively.

Assets And liabilities Held For

Assets And liabilities Held For Sale	12 Months Ended
	Dec. 31, 2023
Real Estate Held for Development and Sale [Abstract]
Assets And Liabilities Held For Sale	NOTE 25: ASSETS AND LIABILITIES HELD FOR SALE Assets and liabilities held for sale represent land, buildings and land improvements less accumulated depreciation that are being held with a specific intention to sell at some future date. The Company records assets and liabilities held for sale in accordance with ASC 360, Property, Plant, and Equipment, at the lower of the individual asset's carrying value or estimated fair value, less estimated cost to sell. Fair value is based on the estimated proceeds from the sale for an individual asset utilizing recent purchase offers, market comparables and/or data obtained from reliable commercial real estate appraisals. Management's estimate as to fair value is regularly reviewed and subject to changes in the commercial real estate markets and other factors. The Company holds a real estate parcel, including a partially-developed mixed use commercial structure, with a carrying value of $ 3.4 million. The asset has been classified as held-for-sale and is under contract as of the filing date. It is the Company's intention to complete the sale of this asset during 2024. For the year ended December 31, 2022, the Company recorded an impairment charge of $ 379,000 on this asset to reflect its estimated realizable value upon sale.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss)	NOTE 26: ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) Changes in the components of accumulated other comprehensive income (loss) (“AOCI”), net of tax, for the periods indicated are summarized in the table below. For the year ended December 31, 2023 (In thousands) Net Unrealized Loss on Retirement Plans Unrealized Loss on Available-for-Sale Securities Unrealized Gain on Derivatives and Hedging Activities Unrealized Gain on Securities Transferred to Held-to-Maturity Total Beginning balance $ ( 2,427 ) $ ( 10,127 ) $ 382 $ - $ ( 12,172 ) Other comprehensive income (loss) before reclassifications 190 1,136 ( 350 ) - 976 Amounts reclassified from AOCI 164 1,427 - - 1,591 Ending balance $ ( 2,073 ) $ ( 7,564 ) $ 32 $ - $ ( 9,605 ) For the year ended December 31, 2022 (In thousands) Net Unrealized Loss on Retirement Plans Unrealized Loss on Available-for-Sale Securities Unrealized Gain on Derivatives and Hedging Activities Unrealized Gain on Securities Transferred to Held-to-Maturity Total Beginning balance $ ( 1,412 ) $ 428 $ ( 286 ) $ 2 $ ( 1,268 ) Other comprehensive (loss) income before reclassifications ( 1,017 ) ( 10,673 ) 668 ( 2 ) ( 11,024 ) Amounts reclassified from AOCI 2 118 - - 120 Ending balance $ ( 2,427 ) $ ( 10,127 ) $ 382 $ - $ ( 12,172 ) The following table presents the amounts reclassified out of each component of AOCI for the indicated annual period: Amount Reclassified from AOCI (1) (Unaudited) (In thousands) For the years ended Details about AOCI (1) components Affected Line Item in the Statement of Income December 31, 2023 December 31, 2022 Retirement plan items Retirement plan net losses (2) Salaries and employee benefits $ ( 222 ) $ ( 2 ) Tax effect Provision for income taxes 58 - Net Income $ ( 164 ) $ ( 2 ) Available-for-sale securities Realized losses on sale of securities Net gains on sales and redemptions $ ( 1,932 ) $ ( 160 ) Tax effect Provision for income taxes 505 42 Net Income $ ( 1,427 ) $ ( 118 ) (1) Amounts in parentheses indicates debits in net income. (2) These items are included in net periodic pension cost. See Note 14 for additional information.

Noninterest Income

Noninterest Income	12 Months Ended
	Dec. 31, 2023
Revenue from Contract with Customer [Abstract]
Noninterest Income	NOTE 27: NONINTEREST INCOME The Company has included the following table regarding the Company’s noninterest income for the years ended December 31, 2023 and 2022: For the years ended (In thousands) December 31, 2023 December 31, 2022 Service charges on deposit accounts Insufficient funds fees $ 686 $ 569 Deposit related fees 436 390 ATM fees 127 167 Total service charges on deposit accounts 1,249 1,126 Fee Income Insurance agency revenue 1,304 1,128 Investment services revenue 454 446 ATM fees surcharge 225 229 Banking house rents collected 207 229 Total fee income 2,190 2,032 Card income Debit card interchange fees 616 867 Merchant card fees 60 70 Total card income 676 937 Mortgage fee income and realized gain on sale of loans Loan servicing fees 307 363 Net gains on sales of loans and foreclosed real estate 181 137 Total mortgage fee income and realized gain on sale of 488 500 Total 4,603 4,595 Earnings and gains on bank owned life insurance 630 589 Net (losses) gains on sale and redemption of investment 62 ( 169 ) Net realized (losses) gains on marketable equity securities ( 255 ) 352 Net (losses) gains on sale of premises and equipment - ( 250 ) Other miscellaneous income 150 797 Total noninterest income $ 5,190 $ 5,914 The following is a discussion of key revenues within the scope of ASC 606: • Service charges on deposit accounts – Revenue is earned through insufficient funds fees, customer initiated activities or passage of time for deposit related fees, and ATM service fees. Transaction-based fees are recognized at the time the transaction is executed, which is the same time the Company’s performance obligation is satisfied. Account maintenance fees are earned over the course of the month as the monthly maintenance performance obligation to the customer is satisfied. • Fee income – Revenue is earned through commissions on insurance and securities sales, ATM surcharge fees, and banking house rents collected. The Company earns investment advisory fee income by providing investment management services to customers under investment management contracts. As the direction of investment management accounts is provided over time, the performance obligation to investment management customers is satisfied over time, and therefore, revenue is recognized over time. • Card income – Card income consists of interchange fees from consumer debit card networks and other related services. Interchange rates are set by unaffiliated card processing networks. Interchange fees are based on purchase volumes transacted and certain other factors and are recognized as transactions occur. • Mortgage fee income and realized gain on sale of loans and foreclosed real estate – Revenue from mortgage fee income and realized gain on sale of loans and foreclosed real estate is earned through the origination of residential and commercial mortgage loans, sales of one-to-four family residential mortgage loans, sales of government guarantees portions of SBA loans, and sales of foreclosed real estate, and is earned as the individual transactions occur.

Leases

Leases	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
Leases	NOTE 28: LEASES The Company has operating and finance leases for certain banking offices and land under noncancelable agreements. Our leases have remaining lease terms that vary from less than one year up to 30 years, some of which include options to extend the leases for various renewal periods. All options to renew are included in the current lease term when we believe it is reasonably certain that the renewal options will be exercised. The components of lease expense are as follows: For the years ended (In thousands) December 31, 2023 December 31, 2022 Operating lease cost $ 219 $ 227 Finance lease cost 435 111 Supplemental cash flow information related to leases was as follows: For the years ended (In thousands) December 31, 2023 December 31, 2022 Cash paid for amount included in the measurement of lease liabilities: Operating cash flows from operating leases $ 201 $ 211 Operating cash flows from finance leases 435 111 Financing cash flows from finance leases 125 90 Supplemental balance sheet information related to leases was as follows: (In thousands, except lease term and discount rate) December 31, 2023 December 31, 2022 Operating Leases: Operating lease right-of-use assets $ 1,526 $ 2,098 Operating lease liabilities 1,711 2,417 Finance Leases: Finance lease right-of-use assets $ 4,073 $ 4,213 Finance lease liability 4,381 4,422 Weighted Average Remaining Lease Term: Operating Leases 17.22 years 18.28 years Finance Leases 27.35 years 28.35 years Weighted Average Discount Rate: Operating Leases 3.88 % 3.85 % Finance Leases 9.40 % 9.41 % Maturities of lease liabilities were as follows: Twelve Months Ending December 31, (In thousands) 2024 $ 164 2025 166 2026 167 2027 177 2028 161 Thereafter 5,256 Total minimum lease payments $ 6,091 The Company owns certain properties that it leases to unaffiliated third parties at market rates. Lease rental income was $ 206,000 and $ 228,000 for the years ended December 31, 2023 and 2022, respectively. All lease agreements are accounted for as operating leases.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2023
Subsequent Events [Abstract]
Subsequent Events	NOTE 29: SUBSEQUENT EVENTS On March 4, 2024 Pathfinder Bank entered into a purchase and assumption agreement (the “Purchase Agreement”) with Berkshire Bank, the banking subsidiary of Berkshire Hills Bancorp, Inc. (“Berkshire Bank”). Under the Purchase Agreement, Pathfinder Bank will acquire approximately $ 32 million in loans and one branch location (along with associated personal property and fixtures), and will assume approximately $ 198 million in deposits. With respect to loans, Pathfinder Bank will pay an amount equal to the sum of 95 % of the aggregate unpaid principal balances, measured as of the closing date, plus any accrued interest through closing on the loans. Pathfinder Bank will pay a 5.8 % premium on the aggregate amount of non-time deposits associated with the branch, measured as of the closing date (the “Core Deposits”), and will assume all non-Core Deposits associated with the branch, measured as of the closing date, at par value. The total deposit premium to be paid by Pathfinder Bank equates to approximately 4.0 % when applied to the aggregated Core Deposits and non-Core Deposits. Pathfinder Bank will assume Berkshire Bank’s existing commercial lease for the real property associated with the branch (including anticipated annual lease payment costs of approximately $ 946,000 ). The transaction is expected to close by the end of the third quarter of 2024 and is subject to receipt of regulatory approvals and certain other customary closing conditions.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Nature of Operations	Nature of Operations The accompanying consolidated financial statements include the accounts of Pathfinder Bancorp, Inc. (the “Company”) and its wholly owned subsidiary, Pathfinder Bank (the “Bank”). The Company is a Maryland corporation headquartered in Oswego, New York. On October 16, 2014, the Company completed its conversion from the mutual holding company structure and the related public offering and is now a stock holding company that is fully owned by the public. As a result of the conversion, the mutual holding company and former mid-tier holding company were merged into Pathfinder Bancorp, Inc. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company. The Bank has two wholly owned operating subsidiaries, Pathfinder Risk Management Company, Inc. (“PRMC”) and Whispering Oaks Development Corp. All significant inter-company accounts and activity have been eliminated in consolidation. Although the Company owns, through its subsidiary PRMC, 51 % of the membership interest in FitzGibbons Agency, LLC (“FitzGibbons”), the Company is required to consolidate 100 % of FitzGibbons within the consolidated financial statements. The 49 % of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements. The Company has seven branch offices located in Oswego County, four branch offices in Onondaga County and one limited purpose office in Oneida County. The Company is primarily engaged in the business of attracting deposits from the general public in the Company’s market area, and investing such deposits, together with other sources of funds, in loans secured by commercial real estate, business assets, one-to-four family residential real estate and investment securities.
Use of Estimates in the Preparation of Consolidated Financial Statements	Use of Estimates in the Preparation of Consolidated Financial Statements The preparation of consolidated financial statements in accordance with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Management has identified the allowance for credit losses, deferred income taxes, pension obligations, the annual evaluation of the Company’s goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available. The Company is subject to the regulations of various governmental agencies. The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations.
Significant Group Concentrations of Credit Risk	Significant Group Concentrations of Credit Risk Most of the Company’s activities are with customers located primarily in Oswego and Onondaga counties of New York State. A large portion of the Company’s portfolio is centered in residential and commercial real estate. The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess of $ 400,000 . All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction. Note 4 discusses the types of securities that the Company invests in. Note 5 discusses the types of lending that the Company engages in.
Advertising	Advertising The Company generally follows the policy of charging the costs of advertising to expense as incurred. Expenditures for new marketing and advertising material designs and/or media content, related to specifically-identifiable marketing campaigns are capitalized and expensed over the estimated life of the campaign. Such periods of time are generally 12-24 months in duration and do not exceed 36 months.
Noncontrolling Interest	Noncontrolling Interest Noncontrolling interest represents the portion of ownership and profit or loss that is attributable to the minority owners of FitzGibbons.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits (with original maturity of three months or less).
Investment Securities	Investment Securities The Company classifies investment securities as either available-for-sale or held-to-maturity. The Company does not hold any securities considered to be trading. Available-for-sale securities are reported at fair value, with net unrealized gains and losses reflected as a separate component of shareholders’ equity, net of the applicable income tax effect. Held-to-maturity securities are those that the Company has the ability and intent to hold until maturity and are reported at amortized cost. Gains or losses on investment security transactions are based on the amortized cost of the specific securities sold. Premiums and discounts on securities are amortized and accreted into income using the interest method over the period to maturity. The Company records its investment in marketable equity securities (“MES”) at fair value. Changes in the fair value of MES are recorded as additions to, or subtractions from, net income in the period that the change occurs. These changes in fair value are separately disclosed as gains (losses) on equity securities on the Consolidated Statements of Income. Note 4 to the consolidated financial statements includes additional information about the Company’s accounting policies with respect to the impairment of investment securities.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank (“FHLB”) system to hold stock of its district FHLB according to a predetermined formula. The stock is carried at cost.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets, including sales of loans and loan participations, are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Loans	Loans The Company grants mortgage, commercial, municipal, and consumer loans to customers. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for credit losses plus net deferred loan origination costs. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area. Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received and related direct origination costs incurred are deferred and amortized over the life of the loan using the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are recorded to income immediately upon prepayment of the related loan. The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans. The residential mortgage segment consists of one-to-four family first-lien residential mortgages and construction loans. Commercial loans consist of the following classes: real estate, lines of credit, other commercial and industrial, and tax-exempt loans. Consumer loans include both home equity lines of credit and loans with junior liens and other consumer loans.
Allowance for Credit Losses	Allowance for Credit Losses In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (ASU) 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments , requiring financial institutions, such as the Bank, to adopt the Current Expected Credit Loss (“CECL”) methodology according to a specified implementation timeline. In order to meet this timeline requirement, the Bank adopted the CECL methodology for calculating its ACL on January 1, 2023. The amended guidance replaced the previously-required allowance for loan and lease losses (“ALLL”) calculated under what was known as the Incurred Loss Model ("ILM"). The ACL represents a valuation account that is deducted from the amortized cost basis of includable financial assets to present their net carrying value at the amount expected to be collected over the entire life of those assets. The income statement now reflects the measurement of credit losses for newly recognized financial assets as well as expected increases, or decreases, of expected credit losses that have taken place during the reporting period. When determining the ACL, expected credit losses over the expected term of the financial asset will be estimated considering relevant information about past events, current conditions, and reasonable and supportable forecasts that affect the future collectability of the reported amount. In addition, the amended guidance requires credit losses relating to assets such as held-to-maturity debt securities and open contractual funding commitments to be recorded through the ACL. Because the CECL methodology requires that reserves be established within the ACL for a broad range of financial assets, including all loans, through the entirety of their expected lives and also considers new items, such as open funding commitments, the initial ACL upon adoption would, in most cases, be expected to be greater than the ALLL that it replaced. At December 31, 2022 the Company calculated its ALLL utilizing the ILM methodology, as required under GAAP on that date. As noted above, on January 1, 2023, the Company adopted the CECL model methodology in accordance with GAAP requirements that became effective on that date. At December 31, 2022 the Company had a total ALLL of $ 15.3 million, of which $ 4.8 million was related to specifically-identified loans and $ 10.5 million was related to loans analyzed collectively on an aggregate pool basis. On January 1, 2023 the Company recorded a one-time CECL transition adjustment (recorded as an adjustment, net of taxes, to retained earnings) of $ 1.9 million that reversed the $ 10.5 million in the December 31, 2022 ALLL, that was related to pooled loans, evaluated collectively in the aggregate, as previously calculated under the phased-out ILM methodology, and replaced it with the ACL, as calculated under CECL, in the amount of $ 12.4 million. The $ 12.4 million CECL ACL at January 1, 2023 was composed of $ 8.4 million in reserves calculated using quantitative methodologies based on historical loss experience and $ 4.0 million based on qualitative factors, as determined by management. The $ 4.8 million in ALLL related to specifically-identified loans at December 31, 2022 was not affected by the transition to the CECL methodology at January 1, 2023. See Note 6 of the accompanying financial statements for a further discussion of this transition. The January 1, 2023 transition to CECL also required that new reserves be created in the amounts of $ 450,000 and $ 552,000 , related to held-to-maturity investments and unfunded commitments, respectively. Including the $ 1.9 million CECL transition adjustment related to loans, described above, the total CECL transition adjustment was $ 2.1 million, net of the effects of tax, on January 1, 2023, which was recorded in retained earnings on that date. Management extensively reviews recent trends in historical losses, qualitative factors, including concentrations of loans to related borrowers and concentrations of loans by collateral type, and specific reserve requirements on loans individually evaluated in its determination of the adequacy of the credit losses. Therefore, the allowance for credit losses (ACL) represents management’s estimate of losses inherent in credit-exposed asset portfolios, including the loan portfolio, unfunded loan commitments and the investment securities portfolio classified as held-to maturity (HTM). The allowance is increased by the provision for credit losses, and decreased by charge-offs, net of recoveries. The ACL is established as of the date of the statement of condition and it is recorded as a reduction of either loans or HTM securities or as an other liability, in the case of unfunded loan commitments, in accordance with generally accepted accounting principles (GAAP). The ACL is evaluated on a regular basis and established through charges to earnings in the form of a provision (benefit) for credit losses. When a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Portfolio Segmentation and “Pooled Loans” Calculation Loans are pooled based on their homogeneous risk characteristics. Once loans have been segmented into pools, a loss rate is applied to the amortized cost basis. The Company has divided its portfolio into discrete segments, as the loans within the segments have similar characteristics. Characteristics considered include: purpose, tenor, amortization, repayment source, payment frequency, collateral and recourse. The Company's identified portfolio segments include commercial loans/lines, commercial mortgages, consumer loans residential lines of credit, and residential loans, as well as certain subcategories of these loan types. The Company utilizes the Discounted Cash Flow (“DCF”) method for its pooled segment calculation. The DCF method implements a probability of default with loss given default and loss exposure at default estimation. The probability of default and loss given default are applied to expected future cash flows to the exposures at the projected point of loss occurrence, including estimates of borrower prepayment activity, that are adjusted to present value and these discounted expected losses become the quantitatively-derived portion of the ACL. DCF analysis is reliant upon a variety of loan-level data, peripheral model outputs and key assumptions. The data fields required to create the contractual portion of the forward-looking cash flow schedule relate to the terms of each loan and include information regarding payment amount, payment frequency, interest rate, interest type, maturity date, amortization term, etc. Contractual terms must be adjusted for prepayments to arrive at expected cash flows. The Company modeled amortizing/installment notes with a prepayment rate, annualized to one-year. For loans where principal collection is dominated by borrower election, e.g., lines of credit, interest-only, etc., and not by contractual obligation, the Company modeled a statistical tendency to repay as a curtailment rate, normalized to a one-year rate. The Company uses forecasts to predict how modeled economic factors will perform. The Company currently elects to forecast economic factors over a period for which it can produce a reliable and defensible forecast from widely accepted economic forecast resources. After the forecast period, the following eight quarters are reverted on a straight-line basis to the economic factor’s average. The Company uses an eight-quarter straight-line reversion to reduce the potential for a spike impact on the model caused by a rapid reversion. Additionally, as the Company is past its point of forecast, a straight-line reversion represents a most-likely scenario absent a reasonable and supportable forecast. In the Company’s analysis at the portfolio level, it found that the best model for predicting defaults considers economic metrics such as the National Unemployment Rate, the U.S. Federal Housing Finance Agency National House Price Index and the U.S. Retail Sales Index. With the large number of observations afforded by using peer data, the default curve is less sensitive to unusual loss events and has a much smoother shape. These metrics are considered to be extremely strong predictors of defaults and explain almost all variation in the default rate. The reserve is calculated based on a life of loan basis. The life of loan is assumed with consideration of prepayments and contractual maturity dates. If a given loan does not have a populated maturity date, based upon historical experience, the Company elected to amortize the loan for a length of time equal to the average life of the loan’s segment before the remaining balance will balloon with the exception of Commercial Demand Lines of Credit where the Company uses one year, reflecting the demand nature of these exposures. Management also considers Qualitative Factors (“QF”) that are likely to cause estimated credit losses with the Company’s existing portfolio to differ from historical loss experience, including but not limited to: national and local economic trends and conditions, levels and trends in delinquencies, non-accrual loans and classified assets, trends in volume, terms and concentrations of loans, changes in lending policies and procedures, quality of credit review function and administration, and changes in regulatory environment, management, markets and product offerings. The Company quarterly assesses the magnitude of QF adjustments necessary to be applied to the quantitatively-derived ACL in order to incorporate forward-looking projections in its final evaluation of current expected credit losses. Specifically-Identified Loans Excluded from pooled analysis are loans to be individually evaluated due to the assets not maintaining similar risk characteristics to those in the designated pool segments. These loans are generally considered to be collateral dependent and, therefore, an analysis of the collateral position versus the pooled loan discounted cash flow approach better reflects the potential loss. Specifically-identified accounts include: loans over 90 days past due, loans to borrowers experiencing financial difficulty, loans placed on non-accrual status and classified assets with exposure greater than $ 300,000 for residential and consumer loans, and $ 100,000 for commercial lines and loans, commercial real estate and tax-exempt loans. Held to Maturity (“HTM”) Debt Securities The Company’s HTM debt securities are also required to utilize the current expected credit losses approach to estimate expected credit losses. The Company’s HTM debt securities included securities that are issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as “risk free,” and have a long history of zero credit loss. The Company also carries a portfolio of HTM municipal bonds and privately issued mortgage- and asset-backed securities. The Company measures its allowance for credit losses on HTM debt securities on a collective basis by major security type. The estimate is based on historical credit losses, if any, adjusted for current conditions and reasonable and supportable forecasts. The Company considers the nature of the collateral, potential future changes in collateral values and available loss information. Available for Sale (“AFS”) Debt Securities For AFS securities in an unrealized loss position, the Company first assesses whether (i) it intends to sell, or (ii) it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis. If either case is affirmative, any previously recognized allowances are charged-off and the security’s amortized cost is written down to fair value through income. If neither case is affirmative, the security is evaluated to determine whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency and any adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Adjustments to the allowance are reported in our income statement as a component of provision for credit losses. AFS securities are charged-off against the allowance or, in the absence of any allowance, written down through income when deemed uncollectible by management or when either of the aforementioned criteria regarding intent or requirement to sell is met. Accrued Interest Receivable Accrued interest receivable balances are presented separately within other assets on the statement of financial condition. Accrued interest receivable that is included in the amortized cost of financial receivables and debt securities are excluded from related disclosure requirements. The Company does not measure an allowance for credit losses for accrued interest receivable as the Company writes off accrued interest receivable, in a timely manner, by reversing interest income. For commercial loans, the write off typically occurs upon becoming 90 days past due. For consumer loans, the write off typically occurs upon becoming 120 days past due. Historically, the Company has not experienced uncollectible accrued interest receivable on its investment securities. However, the Company would generally write off accrued interest receivable by reversing interest income if the Company does not reasonably expect to receive payments. Due to the timely manner in which accrued interest receivables are written off, the amounts of such write offs are immaterial. Reserve for Unfunded Commitments The reserve for unfunded commitments (the “Unfunded Reserve”) represents the expected credit losses on off-balance sheet commitments such as unfunded commitments to extend credit and standby letters of credit. However, a liability is not recognized for commitments unconditionally cancellable by the Company. The Unfunded Reserve is recognized as a liability (other liabilities in the consolidated statements of financial condition), with adjustments to the reserve recognized as a provision for credit loss expense in the consolidated statements of income. The Unfunded Reserve is determined by estimating expected future fundings, under each segment, and applying the expected loss rates. Expected future fundings are based on historical averages of funding rates (i.e., the likelihood of draws taken). Average funding rates are determined based on the most recent 20 quarters ( 5 years ) of actual fundings on lines of credit. The average funding rate for each segment is compared to the current funding rate on each line to determine the average fundings available to be drawn. The fund up rate (the difference between the average funding rate and the current funding rate) for each segment is then applied within the Current Expected Credit Losses (“CECL”) model to the unfunded commitment balance to estimate the expected future fundings under each segment. The loss rate derived for each segment in the current CECL calculation is then applied to the expected future fundings to derive the estimate of allowance for credit losses for unfunded commitments.
Income Recognition on Impaired and Nonaccrual Loans	Income Recognition o n Specifically-Identified and Nonaccrual Loans For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing. A loan may remain on accrual status if it is either well secured or guaranteed and in the process of collection. When a loan is placed on nonaccrual status, unpaid interest is reversed and recorded to interest income. Interest received on nonaccrual loans, including specifically-identified loans, generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, generally six months , and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Nonaccrual loans are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification. For nonaccrual loans, when future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis when payments are made. In the case where a nonaccrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for credit losses until prior charge-offs have been fully recovered.
Off-Balance Sheet Credit Related Financial Instruments	Off-Balance Sheet Credit Related Financial Instruments In the ordinary course of business, the Company enters into commitments to extend credit, including commitments under standby letters of credit. Such financial instruments are recorded when they are funded.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on a straight-line basis over the estimated useful lives of the related assets, ranging up to 40 years for premises and leasehold improvements and 10 years for equipment. Maintenance and repairs are recorded to operating expenses as incurred. The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income.
Foreclosed Real Estate	Foreclosed Real Estate Physical possession of residential real estate property collateralizing a residential mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed-in-lieu of foreclosure or through a similar legal agreement. Properties acquired through foreclosure, or by deed-in-lieu of foreclosure, are recorded at their fair value less estimated costs to sell. Fair value is typically determined based on evaluations by third parties. Costs incurred in connection with preparing the foreclosed real estate for disposition are capitalized to the extent that they enhance the overall fair value of the property. Any write-downs on the asset’s fair value less costs to sell at the date of acquisition are recorded to the allowance for credit losses. Subsequent write downs and expenses of foreclosed real estate are included as a valuation allowance and recorded in noninterest expense.
Goodwill and Intangible Assets	Goodwill and Intangible Assets Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired. Goodwill is not amortized, but is evaluated annually or when there is a triggering event for impairment. Intangible assets, such as customer lists, are amortized over their useful lives, generally 15 years.
Mortgage Servicing Rights	Mortgage Servicing Rights Originated mortgage servicing rights are recorded at their fair value at the time of transfer of the related loans and are amortized in proportion to, and over the period of, estimated net servicing income or loss. The carrying value of the originated mortgage servicing rights is periodically evaluated for impairment or between annual evaluations under certain circumstances.
Stock-Based Compensation	Stock-Based Compensation Compensation costs related to share-based payment transactions are recognized based on the grant-date fair value of the stock-based compensation issued. Compensation costs are recognized over the period that an employee provides service in exchange for the award. Compensation costs related to the Employee Stock Ownership Plan are dependent upon the average stock price and the shares committed to be released to plan participants through the period in which income is reported.
Retirement Benefits	Retirement Benefits The Company has a non-contributory defined benefit pension plan that covered substantially all employees. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan. The plan was frozen on June 30, 2012. Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date. Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. Pension expense under these plans is recorded to current operations and consists of several components of net pension cost based on various actuarial assumptions regarding future experience under the plans. Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit cost are recognized in accumulated other comprehensive loss, net of tax effects, until they are amortized as a component of net periodic cost. Plan assets and obligations are measured as of the Company’s statement of condition date. The Company has unfunded deferred compensation and supplemental executive retirement plans for selected current and former employees and officers that provide benefits that cannot be paid from a qualified retirement plan due to Internal Revenue Code restrictions. These plans are nonqualified under the Internal Revenue Code, and assets used to fund benefit payments are not segregated from other assets of the Company, therefore, in general, a participant's or beneficiary's claim to benefits under these plans is as a general creditor. The Bank sponsors an Employee Stock Ownership Plan (“ESOP”) covering substantially all full time employees. The cost of shares issued to the ESOP but not committed to be released to the participants is presented in the consolidated statement of condition as a reduction of shareholders’ equity. ESOP shares are released to the participants on an annual basis in accordance with a predetermined schedule. The Company records ESOP compensation expense based on the shares committed to be released and allocated to the participant’s accounts multiplied by the average share price of the Company’s stock over the period. Dividends related to unallocated shares are recorded as compensation expense.
Derivative Financial Instruments	Derivative Financial Instruments Derivatives are recorded on the statement of condition as assets and liabilities measured at their fair value. The accounting for changes in the fair value of a derivative depends on whether or not the derivative has been designated and qualifies as part of a hedging relationship. The Company acquires derivatives with the intent of designating and qualifying those instruments as part of hedging relationships to other balance sheet assets or liabilities. The specific accounting treatment for increases and decreases in the value of derivatives further depends upon the use of the specific derivatives. There are two primary types of interest rate derivatives that may be employed by the Company: • Fair Value Hedge - As a result of interest rate fluctuations, fixed-rate assets and liabilities will appreciate or depreciate in fair value over the course of their economic lives prior to maturity. When effectively hedged, this appreciation or depreciation will generally be offset by fluctuations in the fair value of derivative instruments that are linked to the hedged assets and liabilities. This strategy is referred to as a fair value hedge. For a fair value hedge, changes in the fair value of the derivative instrument and changes in the fair value of the hedged asset or liability are expected to substantially offset each other and these changes are recognized currently in earnings. • Cash Flow Hedge - Cash flows related to floating rate assets and liabilities will fluctuate with changes in the underlying rate index. When effectively hedged, the increases or decreases in cash flows related to the floating-rate asset or liability will generally be offset by changes in cash flows of the derivative instruments designated as a hedge. This strategy is referred to as a cash flow hedge. For a cash flow hedge, changes in the fair value of the derivative instrument, to the extent that it is effective, are recorded in other comprehensive income and subsequently reclassified to earnings as the hedged transaction impacts net income. Any ineffective portion of a cash flow hedge is recognized currently in earnings.
Income Taxes	Income Taxes The provision for income taxes is based on taxes currently payable or refundable and deferred income taxes on temporary differences between the tax basis of assets and liabilities and their reported amounts in the consolidated financial statements. Deferred tax assets and liabilities are reported in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled.
Earning Per Share	Earnings Per Share Basic net income per share was calculated using the two-class method by dividing net income (less any dividends on participating securities) by the weighted average number of shares of common stock and participating securities outstanding for the period. Diluted earnings per share may include the additional effect of other securities, if dilutive, in which case the dilutive effect of such securities is calculated by applying either the two-class method or the Treasury Stock method to the assumed exercise or vesting of potentially dilutive common shares. The method yielding the more dilutive result is ultimately reported for the applicable period. Potentially dilutive common stock equivalents primarily consist of employee stock options and restricted stock units. Unallocated common shares held by the ESOP are not included in the weighted average number of common shares outstanding for purposes of calculating earnings per common share until they are committed to be released to plan participants. Note 3 provides more information related to earnings per share.
Segment Reporting	Segment Reporting The Company has evaluated the activities relating to its strategic business units. The controlling interest in the FitzGibbons Agency is dissimilar in nature and management when compared to the Company’s other strategic business units which are judged to be similar in nature and management. The Company has determined that the FitzGibbons Agency is below the reporting threshold in size in accordance with Accounting Standards Codification 280. Accordingly, the Company has determined it has no reportable segments.
Comprehensive Income (Loss)	Comprehensive Income (Loss) Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of the equity section of the statement of condition, such items, along with net income, are components of comprehensive income. Accumulated other comprehensive loss represents the sum of these items, with the exception of net income, as of the balance sheet date and is represented in the table below. As of December 31, Accumulated Other Comprehensive Loss By Component: 2023 2022 Unrealized loss for pension and other postretirement obligations $ ( 2,806 ) $ ( 3,286 ) Tax effect 733 859 Unrealized loss for pension and other postretirement obligations, net of tax ( 2,073 ) ( 2,427 ) Unrealized loss on available-for-sale securities ( 10,241 ) ( 13,710 ) Tax effect 2,677 3,583 Unrealized loss on available-for-sale securities, net of tax ( 7,564 ) ( 10,127 ) Unrealized gain on hedging activities arising during the period 45 517 Tax effect ( 13 ) ( 135 ) Unrealized gain on hedging activities, net of tax 32 382 Accumulated other comprehensive loss $ ( 9,605 ) $ ( 12,172 )
Reclassifications	Reclassifications Certain amounts in the 2022 consolidated financial statements have been reclassified to conform to the current year presentation. These reclassifications had no effect on net income as previously reported.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Schedule of Accumulated Other Comprehensive Loss	Accumulated other comprehensive loss represents the sum of these items, with the exception of net income, as of the balance sheet date and is represented in the table below. As of December 31, Accumulated Other Comprehensive Loss By Component: 2023 2022 Unrealized loss for pension and other postretirement obligations $ ( 2,806 ) $ ( 3,286 ) Tax effect 733 859 Unrealized loss for pension and other postretirement obligations, net of tax ( 2,073 ) ( 2,427 ) Unrealized loss on available-for-sale securities ( 10,241 ) ( 13,710 ) Tax effect 2,677 3,583 Unrealized loss on available-for-sale securities, net of tax ( 7,564 ) ( 10,127 ) Unrealized gain on hedging activities arising during the period 45 517 Tax effect ( 13 ) ( 135 ) Unrealized gain on hedging activities, net of tax 32 382 Accumulated other comprehensive loss $ ( 9,605 ) $ ( 12,172 ) For the years ended (In thousands) December 31, 2023 December 31, 2022 Balance as of January 1: $ 519 $ ( 387 ) Amount of unrealized gains recognized in other ( 474 ) 906 Gain (loss) in other comprehensive income: $ 45 $ 519

Earnings per Share (Tables)

Earnings per Share (Tables)	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
Calculations of Basic and Diluted Earnings per Share	The following table sets forth the calculation of basic and diluted earnings per share. Years Ended December 31, (In thousands, except share and per share data) 2023 2022 Net income attributable to Pathfinder Bancorp, Inc. $ 9,293 $ 12,932 Series A Non-Voting Common Stock dividends 497 497 Warrant dividends 45 45 Undistributed earnings allocated to participating securities 1,729 2,667 Net income available to common shareholders-Voting $ 7,022 $ 9,723 Net income attributable to Pathfinder Bancorp, Inc. $ 9,293 $ 12,932 Voting Common Stock dividends 1,680 1,646 Warrant dividends 45 45 Undistributed earnings allocated to participating securities 5,487 8,298 Net income available to common shareholders-Series A Non-Voting $ 2,081 $ 2,943 Basic and diluted weighted average common shares outstanding-Voting 4,653 4,559 Basic and diluted weighted average common shares outstanding-Series A Non-Voting 1,380 1,380 Basic and diluted earnings per common share-Voting $ 1.51 $ 2.13 Basic and diluted earnings per common share-Series A Non-Voting $ 1.51 $ 2.13

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Estimated Fair Value of Investment Securities	The amortized cost and estimated fair value of investment securities are summarized as follows: December 31, 2023 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 82,588 $ 754 $ ( 3,259 ) $ 80,083 State and political subdivisions 34,588 145 ( 1,809 ) 32,924 Corporate 11,008 276 ( 365 ) 10,919 Asset backed securities 20,251 - ( 359 ) 19,892 Residential mortgage-backed - US agency 25,446 57 ( 1,085 ) 24,418 Collateralized mortgage obligations - US agency 13,058 116 ( 995 ) 12,179 Collateralized mortgage obligations - Private label 81,812 128 ( 3,845 ) 78,095 Total 268,751 1,476 ( 11,717 ) 258,510 Equity investment securities: Common stock - financial services industry 206 - - 206 Total 206 - - 206 Total available-for-sale $ 268,957 $ 1,476 $ ( 11,717 ) $ 258,716 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 3,760 $ - $ ( 304 ) $ 3,456 State and political subdivisions 16,576 28 ( 1,874 ) 14,730 Corporate 45,427 9 ( 3,281 ) 42,155 Asset backed securities 16,860 - ( 1,180 ) 15,680 Residential mortgage-backed - US agency 6,974 15 ( 665 ) 6,324 Collateralized mortgage obligations - US agency 13,221 - ( 1,293 ) 11,928 Collateralized mortgage obligations - Private label 76,819 120 ( 3,178 ) 73,761 Total 179,637 172 ( 11,775 ) 168,034 Less: Allowance for credit losses 351 - - - Total held-to-maturity $ 179,286 $ 172 $ ( 11,775 ) $ 168,034 December 31, 2022 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 32,533 $ 37 $ ( 3,206 ) $ 29,364 State and political subdivisions 48,002 384 ( 3,001 ) 45,385 Corporate 11,803 676 ( 650 ) 11,829 Asset backed securities 16,059 - ( 659 ) 15,400 Residential mortgage-backed - US agency 17,982 - ( 1,582 ) 16,400 Collateralized mortgage obligations - US agency 13,070 - ( 1,362 ) 11,708 Collateralized mortgage obligations - Private label 65,781 8 ( 4,355 ) 61,434 Total 205,230 1,105 ( 14,815 ) 191,520 Equity investment securities: Common stock - financial services industry 206 - - 206 Total 206 - - 206 Total available-for-sale $ 205,436 $ 1,105 $ ( 14,815 ) $ 191,726 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 3,852 $ - $ ( 280 ) $ 3,572 State and political subdivisions 15,211 - ( 2,340 ) 12,871 Corporate 45,086 2 ( 2,586 ) 42,502 Asset backed securities 19,158 - ( 1,291 ) 17,867 Residential mortgage-backed - US agency 7,489 - ( 739 ) 6,750 Collateralized mortgage obligations - US agency 15,109 - ( 1,251 ) 13,858 Collateralized mortgage obligations - Private label 88,497 4 ( 4,430 ) 84,071 Total held-to-maturity $ 194,402 $ 6 $ ( 12,917 ) $ 181,491
Amortized Cost and Estimated Fair Value of Debt Investments by Contractual Maturity	The amortized cost and estimated fair value of debt investment securities at December 31, 2023 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties. Available-for-Sale Held-to-Maturity Amortized Estimated Amortized Estimated (In thousands) Cost Fair Value Cost Fair Value Due in one year or less $ 10,100 $ 10,358 $ 2,420 $ 2,402 Due after one year through five years 9,197 8,741 18,568 18,173 Due after five years through ten years 39,941 36,586 43,458 39,368 Due after ten years 89,197 88,133 18,177 16,078 Sub-total 148,435 143,818 82,623 76,021 Residential mortgage-backed - US agency 25,446 24,418 6,974 6,324 Collateralized mortgage obligations - US agency 13,058 12,179 13,221 11,928 Collateralized mortgage obligations - Private label 81,812 78,095 76,819 73,761 Totals $ 268,751 $ 258,510 $ 179,637 $ 168,034
Investment Securities' Gross Unrealized Losses and Fair Value by Investment Category and Length of Time that Individual Securities Have Continuous Unrealized Loss Position	The Company’s debt investment securities’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows: December 31, 2023 Less than Twelve Months Twelve Months or More Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair (Dollars in thousands) Securities Losses Value Securities Losses Value Securities Losses Value Available-for-Sale Portfolio US Treasury, agencies and GSE's 3 $ ( 13 ) $ 5,990 3 $ ( 3,246 ) $ 25,794 6 $ ( 3,259 ) $ 31,784 State and political subdivisions - - - 20 ( 1,809 ) 26,432 20 ( 1,809 ) 26,432 Corporate - - - 5 ( 365 ) 4,351 5 ( 365 ) 4,351 Asset backed securities 3 ( 65 ) 5,907 10 ( 294 ) 13,985 13 ( 359 ) 19,892 Residential mortgage-backed - US agency 1 ( 14 ) 2,477 15 ( 1,071 ) 14,931 16 ( 1,085 ) 17,408 Collateralized mortgage obligations - US agency - - - 11 ( 995 ) 8,123 11 ( 995 ) 8,123 Collateralized mortgage obligations - Private label 10 ( 274 ) 18,067 33 ( 3,571 ) 46,483 43 ( 3,845 ) 64,550 Totals 17 $ ( 366 ) $ 32,441 97 $ ( 11,351 ) $ 140,099 114 $ ( 11,717 ) $ 172,540 Held-to-Maturity Portfolio US Treasury, agencies and GSE's - $ - $ - 2 $ ( 304 ) $ 3,456 2 $ ( 304 ) $ 3,456 State and political subdivisions 4 ( 2 ) 575 14 ( 1,872 ) 12,718 18 ( 1,874 ) 13,293 Corporate 1 ( 61 ) 439 39 ( 3,220 ) 33,532 40 ( 3,281 ) 33,971 Asset backed securities 2 ( 8 ) 2,877 8 ( 1,172 ) 10,652 10 ( 1,180 ) 13,529 Residential mortgage-backed - US agency - - - 7 ( 665 ) 4,942 7 ( 665 ) 4,942 Collateralized mortgage obligations - US agency - - - 10 ( 1,293 ) 11,928 10 ( 1,293 ) 11,928 Collateralized mortgage obligations - Private label 4 ( 38 ) 5,827 43 ( 3,140 ) 60,260 47 ( 3,178 ) 66,087 Totals 11 $ ( 109 ) $ 9,718 123 $ ( 11,666 ) $ 137,488 134 $ ( 11,775 ) $ 147,206 December 31, 2022 Less than Twelve Months Twelve Months or More Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair (Dollars in thousands) Securities Losses Value Securities Losses Value Securities Losses Value Available-for-Sale Portfolio US Treasury, agencies and GSE's - $ - $ - 3 $ ( 3,206 ) $ 26,167 3 $ ( 3,206 ) $ 26,167 State and political subdivisions 10 ( 830 ) 12,601 17 ( 2,171 ) 20,128 27 ( 3,001 ) 32,729 Corporate 7 ( 269 ) 5,720 2 ( 381 ) 1,319 9 ( 650 ) 7,039 Asset backed securities 5 ( 148 ) 5,473 5 ( 511 ) 9,926 10 ( 659 ) 15,399 Residential mortgage-backed - US agency 10 ( 131 ) 2,747 5 ( 1,451 ) 13,653 15 ( 1,582 ) 16,400 Collateralized mortgage obligations - US agency 6 ( 238 ) 4,009 6 ( 1,124 ) 7,700 12 ( 1,362 ) 11,709 Collateralized mortgage obligations - Private label 15 ( 1,684 ) 20,429 19 ( 2,671 ) 33,707 34 ( 4,355 ) 54,136 Totals 53 $ ( 3,300 ) $ 50,979 57 $ ( 11,515 ) $ 112,600 110 $ ( 14,815 ) $ 163,579 Held-to-Maturity Portfolio US Treasury, agencies and GSE's 2 $ ( 280 ) $ 3,573 - $ - $ - 2 $ ( 280 ) $ 3,573 State and political subdivisions 7 ( 871 ) 7,277 7 ( 1,469 ) 5,077 14 ( 2,340 ) 12,354 Corporate 31 ( 1,786 ) 29,213 9 ( 800 ) 6,803 40 ( 2,586 ) 36,016 Asset backed securities 6 ( 625 ) 9,742 3 ( 666 ) 3,674 9 ( 1,291 ) 13,416 Residential mortgage-backed - US agency 10 ( 736 ) 6,577 1 ( 3 ) 107 11 ( 739 ) 6,684 Collateralized mortgage obligations - US agency 10 ( 1,236 ) 12,965 1 ( 15 ) 892 11 ( 1,251 ) 13,857 Collateralized mortgage obligations - Private label 38 ( 2,719 ) 58,061 8 ( 1,711 ) 12,532 46 ( 4,430 ) 70,593 Totals 104 $ ( 8,253 ) $ 127,408 29 $ ( 4,664 ) $ 29,085 133 $ ( 12,917 ) $ 156,493
Gross Realized Gains (Losses) on Sale of Securities	Proceeds of $ 18.0 million and $ 11.0 million, respectively on sales and redemptions of securities for the years ended December 31, 2023 and 2022 resulted in net realized gains (losses) detailed below: (In thousands) 2023 2022 Realized gains on investments $ 2,022 $ 37 Realized losses on investments ( 1,960 ) ( 206 ) $ 62 $ ( 169 )
Allowance for Credit Losses on Investment Securities Classified as Held-to-maturity	The following table depicts a roll forward of the allowance for credit losses on held-to-maturity investment securities for the year ended December 31, 2023: (In thousands) Government Issued and Government Sponsored Enterprise Securities Mortgage and Asset-backed Securities Securities Issued By State and Political Subdivisions Corporate Securities Total Balance, December 31, 2022 $ - $ - $ - $ - $ - Adjustment for the adoption of ASU 2016-13 - 40 1 409 450 Provision for credit losses - ( 40 ) 1 ( 59 ) ( 98 ) Allowance on purchased financial assets with credit deterioration - - - - - Charge-offs of securities - - - - - Recoveries - - - - - Balance, December 31, 2023 $ - $ - $ 2 $ 350 $ 352
Amortized Cost of Debt Securities Categorized as Held-to-maturity Aggregated by Credit Quality	The following table summarizes the amortized cost of debt securities categorized as held-to-maturity at December 31, 2023, aggregated by credit quality indicators: (In thousands) AAA or equivalent $ 42,476 AA or equivalent, including securities issued by the United States Government or Government Sponsored Enterprises 49,479 A or equivalent 19,021 BBB or equivalent 16,304 BB or equivalent 983 Unrated 51,374 Total $ 179,637

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Major Classification of Loans	Major classifications of loans are as follows: December 31, December 31, (In thousands) 2023 2022 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 257,604 $ 257,656 Construction 1,355 5,085 Loans held-for-sale - 19 Total residential mortgage loans 258,959 262,760 Commercial loans: Real estate 358,707 345,330 Lines of credit 72,069 82,050 Other commercial and industrial 89,803 77,273 Paycheck Protection Program loans 158 203 Tax exempt loans 3,430 4,280 Total commercial loans 524,167 509,136 Consumer loans: Home equity and junior liens 34,858 34,007 Other consumer 79,797 92,851 Total consumer loans 114,655 126,858 Total loans 897,781 898,754 Less net deferred loan fees 574 1,000 Less allowance for credit losses 15,975 15,319 Loans receivable, net $ 881,232 $ 882,435
Summary of Loan Portfolio by Collateral Type Within Major Categories	The following table details the Company's loan portfolio by collateral type within major categories as of December 31, 2023. (Dollars in thousands) Balance Number Average Minimum/ Allowance for Credit Losses Percent Residential Mortgage Loans $ 258,959 2,522 $ 103 $ - $ 4,871 $ 2,466 29 % Commercial Real Estate: Multi Family (5 or More) $ 75,741 66 $ 1,148 $ 17 $ 8,530 $ 1,214 8 % Mixed Use 50,022 59 848 17 5,951 802 6 % Office Space 38,824 70 555 19 4,037 622 4 % Hotels and Motels 29,524 9 3,280 193 11,500 473 3 % 1-4 Family 25,089 167 150 - 2,407 402 3 % Retail Space 22,721 47 483 18 4,756 364 3 % Recreation/ Golf Course/ Marina 19,290 19 1,015 77 4,543 309 2 % Auto Dealership 13,259 10 1,326 - 5,084 213 1 % Nursing Home 11,900 2 5,950 3,800 8,100 191 1 % Self Storage/Mini Storage 11,892 3 3,964 48 11,428 191 1 % Manufacturing/Industrial 9,634 17 567 51 3,356 154 1 % Land 7,550 9 839 38 3,753 121 1 % Warehouse 7,304 13 562 52 2,311 117 1 % Assisted Living 7,180 1 7,180 7,180 7,180 115 1 % Restaurant 5,793 23 252 32 1,056 93 1 % Auto Repair 5,696 13 438 39 2,054 91 1 % Hospitals 4,755 3 1,585 45 2,973 76 1 % Property for Community Service 3,121 3 1,040 94 1,580 50 0 % All Others 9,412 25 376 8 3,583 151 1 % Total Commercial Real Estate Loans $ 358,707 559 $ 642 $ - $ 11,500 $ 5,751 40 % Commercial and Industrial: Secured Term Loans $ 78,928 384 206 $ - $ 4,019 $ 1,471 9 % Unsecured Term Loans 10,875 89 122 - 920 203 1 % Secured Lines of Credit 48,569 264 184 - 5,000 2,211 5 % Unsecured Lines of Credit 23,500 148 159 - 3,000 1,070 3 % Total Commercial and $ 161,872 885 $ 183 $ - $ 5,000 $ 4,955 18 % Tax Exempt Loans $ 3,430 10 $ 343 $ 6 $ 2,215 $ 1 0 % Paycheck Protection Program Loans $ 158 5 $ 32 $ 4 $ 77 $ - 0 % Consumer: Home Equity Lines of Credit $ 34,858 1,026 $ 34 $ - $ 985 $ 657 4 % Vehicle 11,032 1,417 8 - 410 297 1 % Consumer Secured 29,523 545 54 8 42 794 3 % Consumer Unsecured 37,767 1,940 19 - 54 1,015 5 % All Others 1,475 596 2 - 88 40 0 % Total Consumer Loans $ 114,655 5,524 $ 21 $ - $ 985 $ 2,802 13 % Net deferred loan fees 574 - - - - - - Unallocated allowance for ( 15,975 ) - - - - - - Total Loans $ 882,380 9,505 $ 94 $ 15,975 100 %
Summary of Purchased Loans Pools	The following table summarizes the purchased loan pool positions, held by the Bank in purchased loans at year end (month and date of acquisition in parentheses): (In thousands, except number of loans) December 31, 2023 Original Balance Current Balance Unamortized Premium/ (Discount) Number of Loans Maturity Range Cumulative net charge-offs Commercial and industrial loans (6/2019) $ 6,800 $ 1,600 $ - 20 2 - 6 years $ - Home equity lines of credit (8/2019) 21,900 4,500 108 159 1 - 26 years - Unsecured consumer loan pool 2 (11/2019) 26,600 500 2 167 0 - 2 years - Residential real estate loans (12/2019) 4,300 4,500 284 56 17 - 25 years - Unsecured consumer loan pool 1 (12/2019) 5,400 1,000 - 46 1 - 3 years - Unsecured consumer installment loans pool 3 (12/2019) 10,300 500 17 158 0 - 9 years 69 Secured consumer installment loans pool 4 (12/2020) 14,500 10,600 ( 1,252 ) 499 21 - 25 years - Unsecured consumer loans pool 5 (1/2021) 24,400 15,600 ( 450 ) 644 7 - 22 years - Revolving commercial line of credit 1 (3/2021) 11,600 12,400 2 1 0 - 1 year - Secured consumer installment loans (11/2021) 21,300 18,000 ( 2,923 ) 821 17 - 24 years - Revolving commercial line of credit 2 (11/2021) paid in full at 12/11/23 10,500 - - - - - Unsecured consumer loans pool 6 (11/2021) 22,200 18,200 ( 2,292 ) 522 7 - 24 years - Total $ 179,800 $ 87,400 $ ( 6,504 ) 3,093 $ 69 (In thousands, except number of loans) December 31, 2022 Original Balance Current Balance Unamortized Premium/ (Discount) Number of Loans Maturity Range Cumulative net charge-offs Automobile loans (1/2017) paid in full at 6/30/23 $ 50,400 $ 4,200 $ 128 537 0 - 4 years $ 247 Commercial and industrial loans (6/2019) 6,800 2,100 - 22 3 - 7 years - Home equity lines of credit (8/2019) 21,900 6,000 189 143 1 - 27 years - Unsecured consumer loan pool 2 (11/2019) 26,600 1,500 11 320 0 - 2 years - Residential real estate loans (12/2019) 4,300 3,900 240 49 16 - 22 years - Unsecured consumer loan pool 1 (12/2019) 5,400 1,600 - 50 1 - 4 years - Unsecured consumer installment loans pool 3 (12/2019) 10,300 1,000 38 354 0 - 9 years 63 Secured consumer installment loans pool 4 (12/2020) 14,500 11,300 ( 1,484 ) 518 23 - 24 years - Unsecured consumer loans pool 5 (1/2021) 24,400 17,300 ( 485 ) 678 8 - 24 years - Revolving commercial line of credit 1 (3/2021) 11,600 11,400 14 1 0 - 1 year - Secured consumer installment loans (11/2021) 21,300 19,700 ( 3,237 ) 850 18 - 25 years - Revolving commercial line of credit 2 (11/2021) paid in full at 12/11/23 10,500 15,000 23 1 0 - 1 year - Unsecured consumer loans pool 6 (11/2021) 22,200 20,200 ( 2,441 ) 540 8 - 24 years - Total $ 230,200 $ 115,200 $ ( 7,004 ) 4,063 $ 310
Schedule of aggregate pass rating and the classified ratings	The following tables present the classes of the loan portfolio, summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system as of the dates indicated: Revolving Term Loans By Origination Year Revolving loans converted (In thousands) 2023 2022 2021 2020 2019 Prior Loans to term loans Total Commercial Real Estate: Pass $ 43,823 $ 67,743 $ 55,395 $ 29,222 $ 51,270 $ 85,218 $ - $ - $ 332,671 Special Mention - 14,016 - - - 797 - - 14,813 Substandard 3,006 500 2,339 739 396 4,085 - - 11,065 Doubtful - - - - - 158 - - 158 Total Commercial Real Estate 46,829 82,259 57,734 29,961 51,666 90,258 - - 358,707 Commercial Lines of Credit: Pass - - - - - - 62,824 7,141 69,965 Special Mention - - - - - - 654 162 816 Substandard - - - - - - 518 758 1,276 Doubtful - - - - - - - 12 12 Total Commercial Lines of Credit - - - - - - 63,996 8,073 72,069 Other Commercial and Industrial: Pass 27,433 16,735 6,457 5,541 7,828 11,994 4,195 - 80,183 Special Mention 2,490 - 248 67 - - - - 2,805 Substandard 30 1,124 929 754 211 2,362 - - 5,410 Doubtful 1,405 - - - - - - - 1,405 Total Other Commercial and Industrial 31,358 17,859 7,634 6,362 8,039 14,356 4,195 - 89,803 Paycheck Protection Program Loans Pass - - - 158 - - - - 158 Special Mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total Paycheck Protection Program Loans - - - 158 - - - - 158 Tax Exempt Loans Pass 105 - - 151 6 3,168 - - 3,430 Special Mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total Tax Exempt Loans 105 - - 151 6 3,168 - - 3,430 Revolving Term Loans By Origination Year Revolving loans converted (In thousands) 2023 2022 2021 2020 2019 Prior Loans to term loans Total 1-4 family first-lien residential mortgages: Pass $ 17,403 $ 31,591 $ 51,027 $ 39,454 $ 18,491 $ 94,594 $ - $ - $ 252,560 Special Mention - - 1,601 566 176 349 - - 2,692 Substandard - - 138 209 282 1,168 - - 1,797 Doubtful - - - 154 - 401 - - 555 Total 1-4 family first-lien residential mortgages 17,403 31,591 52,766 40,383 18,949 96,512 - - 257,604 Construction: Pass 1,355 - - - - - - - 1,355 Special Mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total Construction 1,355 - - - - - - - 1,355 Home Equity and Junior Liens: Pass 8,317 1,880 1,404 853 559 2,228 18,177 689 34,107 Special Mention - - - - - 6 20 9 35 Substandard - - 66 - - 49 601 - 716 Doubtful - - - - - - - - - Total Home Equity and Junior Liens 8,317 1,880 1,470 853 559 2,283 18,798 698 34,858 Other Consumer: Pass 68,434 3,876 3,103 1,381 1,536 1,340 - - 79,670 Special Mention 24 34 14 9 4 15 - - 100 Substandard - 14 8 - - 5 - - 27 Doubtful - - - - - - - - - Total Other Consumer 68,458 3,924 3,125 1,390 1,540 1,360 - - 79,797 Net Deferred Loan Fees ( 289 ) 60 ( 12 ) ( 82 ) 93 ( 344 ) - - ( 574 ) Total loans $ 173,536 $ 137,573 $ 122,717 $ 79,176 $ 80,852 $ 207,593 $ 86,989 $ 8,771 $ 897,207
Amortized Cost of Debt Securities Categorized as Held-to-maturity Aggregated by Credit Quality	The following table summarizes the amortized cost of debt securities categorized as held-to-maturity at December 31, 2023, aggregated by credit quality indicators: (In thousands) AAA or equivalent $ 42,476 AA or equivalent, including securities issued by the United States Government or Government Sponsored Enterprises 49,479 A or equivalent 19,021 BBB or equivalent 16,304 BB or equivalent 983 Unrated 51,374 Total $ 179,637
Age Analysis of Past Due Loans Segregated by Portfolio Segment and Class of Loans	An age analysis of loans, not including net deferred loan costs, segregated by portfolio segment and class of loans, as of December 31, 2023 and 2022, are detailed in the following tables: As of December 31, 2023 30-59 Days 60-89 Days 90 Days Total Total Loans (In thousands) Past Due Past Due and Over Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,462 $ 2,269 $ 1,770 $ 5,501 $ 252,103 $ 257,604 Construction - - - - 1,355 1,355 Loans held-for-sale - - - - - - Total residential mortgage loans 1,462 2,269 1,770 5,501 253,458 258,959 Commercial loans: Real estate 5,385 196 5,053 10,634 348,073 358,707 Lines of credit 180 - 924 1,104 70,965 72,069 Other commercial and industrial 5,347 322 6,340 12,009 77,794 89,803 Paycheck Protection Program loans - - - - 158 158 Tax exempt loans - - - - 3,430 3,430 Total commercial loans 10,912 518 12,317 23,747 500,420 524,167 Consumer loans: Home equity and junior liens 210 29 192 431 34,427 34,858 Other consumer 984 383 2,948 4,315 75,482 79,797 Total consumer loans 1,194 412 3,140 4,746 109,909 114,655 Total loans $ 13,568 $ 3,199 $ 17,227 $ 33,994 $ 863,787 $ 897,781 As of December 31, 2022 30-59 Days 60-89 Days 90 Days Total Total Loans (In thousands) Past Due Past Due and Over Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,627 $ 620 $ 932 $ 3,179 $ 254,477 $ 257,656 Construction - - - - 5,085 5,085 Loans held-for-sale - - - - 19 19 Total residential mortgage loans 1,627 620 932 3,179 259,581 262,760 Commercial loans: Real estate 4,974 854 3,499 9,327 336,003 345,330 Lines of credit 1,280 1,584 298 3,162 78,888 82,050 Other commercial and industrial 4,721 999 1,738 7,458 69,815 77,273 Paycheck Protection Program loans - - - - 203 203 Tax exempt loans - - - - 4,280 4,280 Total commercial loans 10,975 3,437 5,535 19,947 489,189 509,136 Consumer loans: Home equity and junior liens 23 17 279 319 33,688 34,007 Other consumer 391 239 1,904 2,534 90,317 92,851 Total consumer loans 414 256 2,183 2,853 124,005 126,858 Total loans $ 13,016 $ 4,313 $ 8,650 $ 25,979 $ 872,775 $ 898,754 Nonaccrual loans as of December 31, 2023 and 2022,
Nonaccrual Loans Segregated by Class of Loan	Nonaccrual loans as of December 31, 2023 and 2022, segregated by class of loan, were as follows: December 31, December 31, (In thousands) 2023 2022 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,770 $ 1,112 1,770 1,112 Commercial loans: Real estate 5,053 3,504 Lines of credit 924 332 Other commercial and industrial 6,340 1,884 12,317 5,720 Consumer loans: Home equity and junior liens 192 279 Other consumer 2,948 1,904 Total consumer loans 3,140 2,183 Total nonaccrual loans $ 17,227 $ 9,015
Summary of Impaired Loans Information by Portfolio Class	The following table summarizes impaired loans information by portfolio class at: December 31, 2022 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: 1-4 family first-lien residential mortgages $ 1,048 $ 1,048 $ - Commercial real estate 5,283 5,386 - Commercial lines of credit 2,218 2,218 - Other commercial and industrial 2,780 2,829 - Home equity and junior liens 182 182 - With an allowance recorded: 1-4 family first-lien residential mortgages 450 450 91 Commercial real estate 2,625 2,625 346 Commercial lines of credit 3,059 3,066 2,957 Other commercial and industrial 1,998 1,998 1,285 Home equity and junior liens 536 536 114 Total: 1-4 family first-lien residential mortgages 1,498 1,498 91 Commercial real estate 7,908 8,011 346 Commercial lines of credit 5,277 5,284 2,957 Other commercial and industrial 4,778 4,827 1,285 Home equity and junior liens 718 718 114 Totals $ 20,179 $ 20,338 $ 4,793
Average Recorded Investment In Impaired Loans	The following table presents the average recorded investment in impaired loans for the year ended December 31: (In thousands) 2022 1-4 family first-lien residential mortgages $ 1,232 Commercial real estate 7,285 Commercial lines of credit 1,951 Other commercial and industrial 3,155 Home equity and junior liens 647 Other consumer - Total $ 14,270
Cash Basis Interest Income Recognized On Impaired Loans	The following table presents the cash basis interest income recognized on impaired loans for the year ended December 31: (In thousands) 2022 1-4 family first-lien residential mortgages $ 65 Commercial real estate 247 Commercial lines of credit 143 Other commercial and industrial 304 Home equity and junior liens 6 Other consumer - Total $ 765
Schedule of Changes in the Allowance for Credit Losses	The following table summarizes all activity related to the ACL from December 31, 2022 to December 31, 2023 and to the recorded PCL for year ended December 31, 2023: CECL Transition ILM ALLL December 31, 2022 Adjustment January 1, 2023 CECL Reserve January 1, 2023 Q1 2023 Charge-Offs Q1 2023 Recoveries Q1 2023 PCL Reserves as of March 31, 2023 Q2 2023 Charge-Offs Q2 2023 Recoveries Q2 2023 PCL Reserves as of June 30, 2023 Q3 2023 Charge-Offs Q3 2023 Recoveries Q3 2023 PCL Reserves as of Sept 30, 2023 Q4 2023 Charge-Offs Q4 2023 Recoveries Q4 2023 PCL Reserves as of Dec 31, 2023 ACL - Loans Specifically identified $ 4,793 $ - $ 3,328 $ - $ - $ 533 $ 3,861 $ 263 $ - $ 888 $ 4,486 $ 1,650 $ - $ 692 $ 3,528 $ - $ - $ 188 $ 3,716 Overdraft 1,465 301 1,766 116 1,882 1,425 - - 457 13 ( 80 ) - 364 Pooled under ILM 9,497 ( 9,497 ) - - - - - - - - - - - - - - Pooled - quantitative 6,313 6,313 100 92 270 6,575 109 116 ( 135 ) 6,447 799 45 17 5,710 198 183 508 6,203 Pooled - qualitative 3,965 3,965 - - ( 397 ) 3,568 287 3,855 - - 89 3,944 - - ( 378 ) 3,566 Purchased 1,029 1,102 2,131 19 - ( 15 ) 2,097 - - 29 2,126 - - - 2,126 - - - 2,126 Unallocated - - - - - - - - - - - - - - - - - - - Total ACL - Loans $ 15,319 $ 1,883 $ 17,202 $ 119 $ 92 $ 692 $ 17,867 $ 372 $ 116 $ 1,185 $ 18,796 $ 3,874 $ 45 $ 798 $ 15,765 $ 211 $ 103 $ 318 $ 15,975 ACL - Held-To-Maturity - 450 450 - - - 450 - - ( 29 ) 421 - - 5 426 - - ( 74 ) 352 Other Liabilities - Unfunded Commitments - 552 552 - - - 552 - - ( 16 ) 536 - - 30 566 - - 23 589 $ 15,319 $ 2,886 $ 18,205 $ 119 $ 92 $ 692 $ 18,870 $ 372 $ 116 $ 1,140 $ 19,754 $ 3,874 $ 45 $ 833 $ 16,758 $ 211 $ 103 $ 267 $ 16,917
Schedule amortized cost of collateral dependent loans	The following table details the amortized cost of collateral dependent loans: (In thousands) December 31, 2023 Commercial and industrial $ 7,788 Commercial real estate 11,814 Residential (1-4 family) first mortgages 699 Home equity loans and lines of credit 599 Consumer loans 81 Total loans $ 20,981

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2023
Allowance For Loan Losses [Abstract]
Changes in the Allowance for Loan Losses	An allocation of a portion of the allowance to a given portfolio class does not limit the Company’s ability to absorb losses in another portfolio class. December 31, 2023 1-4 family first-lien Other Paycheck residential Commercial Commercial commercial Protection (In thousands) mortgage Construction real estate lines of credit and industrial Program Allowance for credit losses: Beginning Balance $ 714 $ - $ 5,881 $ 3,990 $ 2,944 $ - Adoption of New Accounting Standards 1,396 969 ( 1,744 ) 95 10 Charge-offs ( 121 ) - - ( 1,247 ) ( 2,862 ) - Recoveries 1 - 23 2 211 - Provisions (credits) ( 382 ) ( 111 ) 1,591 ( 1,166 ) 2,978 - Ending balance $ 1,608 $ 858 $ 5,751 $ 1,674 $ 3,281 $ - Ending balance: related to loans $ 138 $ - $ 969 $ 844 $ 1,617 $ - Ending balance: related to loans $ 1,470 $ 858 $ 4,782 $ 830 $ 1,664 $ - Loans receivables: Ending balance $ 257,604 $ 1,355 $ 358,707 $ 72,069 $ 89,803 $ 158 Ending balance: individually $ 1,675 $ - $ 12,314 $ 1,139 $ 6,749 $ - Ending balance: collectively $ 255,929 $ 1,355 $ 346,393 $ 70,930 $ 83,054 $ 158 Home equity Other Tax exempt and junior liens consumer Total Allowance for credit losses: Beginning Balance $ 3 $ 741 $ 1,046 $ 15,319 Adoption of New Accounting Standards 14 ( 97 ) 1,243 1,886 Charge-offs - ( 5 ) ( 341 ) ( 4,576 ) Recoveries - - 118 355 Provisions ( 16 ) 18 79 2,991 Ending balance $ 1 $ 657 $ 2,145 $ 15,975 Ending balance: related to loans $ - $ 148 $ - $ 3,716 Ending balance: related to loans $ 1 $ 509 $ 2,145 $ 12,259 Loans receivables: Ending balance $ 3,430 $ 34,858 $ 79,797 $ 897,781 Ending balance: individually $ - $ 710 $ - $ 22,587 Ending balance: collectively $ 3,430 $ 34,148 $ 79,797 $ 875,194 Changes in the allowance for loan losses under the ILM methodology for the year ended December 31, 2022, and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class at the indicated dates, are summarized in the tables below. An allocation of a portion of the allowance to a given portfolio class does not limit the Company’s ability to absorb losses in another portfolio class. December 31, 2022 1-4 family first-lien Other Paycheck residential Commercial Commercial commercial Protection (In thousands) mortgage Construction real estate lines of credit and industrial Program Allowance for loan losses: Beginning Balance $ 872 $ - $ 5,308 $ 935 $ 2,762 $ - Charge-offs ( 29 ) - ( 48 ) ( 51 ) ( 486 ) - Recoveries - - 250 - 46 - Provisions (credits) ( 129 ) - 371 3,106 622 - Ending balance $ 714 $ - $ 5,881 $ 3,990 $ 2,944 $ - Ending balance: related to loans $ 91 $ - $ 346 $ 2,957 $ 1,285 $ - Ending balance: related to loans $ 623 $ - $ 5,535 $ 1,033 $ 1,659 $ - Loans receivables: Ending balance $ 257,656 $ 5,085 $ 345,330 $ 82,050 $ 77,273 $ 203 Ending balance: individually $ 1,498 $ - $ 7,908 $ 5,278 $ 4,777 $ - Ending balance: collectively $ 256,158 $ 5,085 $ 337,422 $ 76,772 $ 72,496 $ 203 Home equity Other Tax exempt and junior liens consumer Unallocated (1) Total Allowance for loan losses: Beginning Balance 3 774 1,297 984 12,935 Charge-offs - - ( 147 ) - ( 761 ) Recoveries - - 95 - 391 Provisions - ( 33 ) ( 199 ) ( 984 ) 2,754 Ending balance $ 3 $ 741 $ 1,046 $ - $ 15,319 Ending balance: related to loans $ - $ 114 $ - $ - $ 4,793 Ending balance: related to loans $ 3 $ 627 $ 1,046 $ - $ 10,526 Loans receivables: Ending balance $ 4,280 $ 34,007 $ 92,851 $ 19 $ 898,754 Ending balance: individually $ - $ 718 $ - $ - $ 20,179 Ending balance: collectively $ 4,280 $ 33,289 $ 92,851 $ 19 $ 878,575 (1) The ending balance of the loans receivable for the unallocated portion of the allowance includes loans held-for-sale. At December 31, 2022, the Bank had loans held-for-sale with a principal balance of $ 19,000 . These loans were still part of the portfolio as of December 31, 2022. Based on ASC 948, Mortgage Banking, loans shall be classified as held-for-sale once a decision has been made to sell the loans and shall be transferred to the held-for-sale category at lower of cost or fair value.
Schedule of Allowance for Loan Losses on Basis of Calculation Methodology	The allocation of the allowance for credit losses summarized on the basis of the Company’s CECL calculation methodology was as follows: December 31, 2023 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Specifically reserved $ 137 $ - $ 969 $ 844 $ 1,617 Historical loss rate 1,537 674 2,645 209 1,026 Qualitative factors ( 66 ) 184 2,137 621 638 Total $ 1,608 $ 858 $ 5,751 $ 1,674 $ 3,281 Home equity Other Tax exempt and junior liens consumer Total Specifically reserved $ - $ 458 $ 1,817 $ 5,842 Historical loss rate 1 190 307 6,589 Qualitative factors - 9 21 3,544 Total $ 1 $ 657 $ 2,145 $ 15,975 The allocation of the allowance for loan losses summarized on the basis of the Company’s ILM calculation methodology was as follows: December 31, 2022 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Specifically reserved $ 91 $ - $ 346 $ 2,957 $ 1,285 Historical loss rate 5 - ( 32 ) - 97 Qualitative factors 618 - 5,567 1,033 1,562 Total $ 714 $ - $ 5,881 $ 3,990 $ 2,944 Home equity Other Tax exempt and junior liens consumer Total Specifically reserved $ - $ 114 $ - $ 4,793 Historical loss rate - 321 708 1,099 Qualitative factors 3 306 338 9,427 Total $ 3 $ 741 $ 1,046 $ 15,319

Servicing (Tables)

Servicing (Tables)	12 Months Ended
	Dec. 31, 2023
Servicing Asset [Abstract]
Mortgage Servicing Rights Capitalized and Amortized	The following summarizes mortgage servicing rights capitalized and amortized: (In thousands) 2023 2022 Mortgage servicing rights capitalized $ 46 $ 64 Mortgage servicing rights amortized 84 75

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises and equipment at December 31 is as follows: (In thousands) 2023 2022 Land $ 2,661 $ 2,063 Buildings 20,784 20,406 Furniture, fixtures and equipment 17,889 17,337 Construction in progress 758 320 42,092 40,126 Less: Accumulated depreciation 23,651 22,254 $ 18,441 $ 17,872

Foreclosed Real Estate (Tables)

Foreclosed Real Estate (Tables)	12 Months Ended
	Dec. 31, 2023
Real Estate Owned, Disclosure of Detailed Components [Abstract]
Schedule of Real Estate Properties	A summary of foreclosed real estate at December 31 is as follows: (Dollars in thousands) Number of December 31, Number of December 31, Foreclosed real estate 4 $ 151 2 $ 221

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Gross Carrying Amount and Accumulated Amortization for Identifiable Intangible Asset	The gross carrying amount and annual amortization for this identifiable intangible asset are as follows: December 31, (In thousands) 2023 2022 Gross carrying amount $ 243 $ 243 Accumulated amortization ( 158 ) ( 142 ) Net amortizing intangibles $ 85 $ 101
Estimated Amortization Expense for Each of the Five Succeeding Years	The estimated amortization expense for each of the five succeeding years ended December 31, is as follows: (In thousands) 2024 $ 16 2025 16 2026 16 2027 16 2028 16 Thereafter 5 Total $ 85

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2023
Deposits [Abstract]
Summary of Deposits	A summary of deposits at December 31 is as follows: (In thousands) 2023 2022 Savings accounts $ 113,543 $ 134,880 Time accounts 377,570 314,109 Time accounts in excess of $250,000 95,272 71,696 Money management accounts 12,364 16,107 MMDA accounts 224,707 270,326 Demand deposit interest-bearing 119,321 127,395 Demand deposit noninterest-bearing 170,169 183,711 Mortgage escrow funds 7,121 7,206 Total Deposits $ 1,120,067 $ 1,125,430
Scheduled Maturities of Time Deposits	At December 31, 2023, the scheduled maturities of time deposits are as follows: (In thousands) Year of Maturity: 2024 $ 324,531 2025 75,882 2026 44,404 2027 9,581 2028 17,950 Thereafter 494 Total $ 472,842
Summary of Deposits by Type	In addition to deposits obtained from its business operations within its target market areas, the Bank also obtains brokered deposits through various programs administered by IntraFi Network and through other unaffiliated third-party financial institutions. At December 31, 2023 2022 (In thousands) Nonbrokered Brokered Total Nonbrokered Brokered Total Savings accounts $ 113,543 $ - $ 113,543 $ 134,880 $ - $ 134,880 Time accounts 174,864 202,706 377,570 105,478 208,631 314,109 Time accounts of $250,000 or more 95,272 - 95,272 71,696 - 71,696 Money management accounts 12,364 - 12,364 16,107 - 16,107 MMDA accounts 224,707 - 224,707 270,326 - 270,326 Demand deposit interest-bearing 79,321 40,000 119,321 87,395 40,000 127,395 Demand deposit noninterest-bearing 170,169 - 170,169 183,711 - 183,711 Mortgage escrow funds 7,121 - 7,121 7,206 - 7,206 Total Deposits $ 877,361 $ 242,706 $ 1,120,067 $ 876,799 $ 248,631 $ 1,125,430

Borrowed Funds (Tables)

Borrowed Funds (Tables)	12 Months Ended
	Dec. 31, 2023
Debt Disclosure [Abstract]
Composition of Borrowings	The composition of borrowings (excluding subordinated debt) at December 31 is as follows: (In thousands) 2023 2022 Short-term: FHLB advances $ 125,680 $ 60,333 Total short-term borrowings $ 125,680 $ 60,333 Long-term: FHLB advances $ 49,919 $ 55,664 Total long-term borrowings $ 49,919 $ 55,664
Scheduled Maturities of Debt	The principal balances, interest rates and maturities of the outstanding long-term borrowings, all of which are at a fixed rate, at December 31, 2023 are as follows: Term Principal Rates (Dollars in thousands) Advances with FHLB Due within 1 year $ 22,851 0.39 - 5.03 % Due within 2 years 23,883 0.52 - 4.92 % Due within 10 years 3,185 0.53 - 4.96 % Total advances with FHLB $ 49,919 Total long-term fixed rate borrowings $ 49,919 At December 31, 2023, scheduled repayments of long-term debt are as follows: (In thousands) 2024 $ 22,851 2025 23,883 2026 3,185 Total $ 49,919

Subordinated Loans (Tables)

Subordinated Loans (Tables)	12 Months Ended
	Dec. 31, 2023
Subordinated Borrowings [Abstract]
Composition of Subordinated Loans	The composition of subordinated debt at December 31 is as follows: (In thousands) 2023 2022 Subordinated debt Junior subordinated debenture $ 5,155 $ 5,155 Subordinated debt $ 25,000 $ 25,000 Deferred Financing Charges ( 241 ) ( 422 ) Total subordinated debt $ 29,914 $ 29,733
Schedule of Principal Balances, Interest Rates and Maturities of the Subordinated Loans	The principal balances, interest rates and maturities of the subordinated debt at December 31, 2023 are as follows: Term Principal Rates (Dollars in thousands) Subordinated debt: Due within 8 years $ 25,000 5.5 % Due within 15 years 5,155 3-Month LIBOR + 1.65 % Total subordinated debt $ 30,155
Scheduled Repayments of the Subordinated Loans	Scheduled repayments of the subordinated debt at December 31, 2023 are as follows: (In thousands) 2024 $ - 2025 25,000 2026 - 2027 - 2028 - Thereafter 5,155 Total $ 30,155

Employee Benefits and Deferre_2

Employee Benefits and Deferred Compensation and Supplemental Retirement Plans (Tables)	12 Months Ended
	Dec. 31, 2023
Retirement Benefits [Abstract]
Changes in Plan Benefit Obligations, Fair Value of Plan Assets and Plans' Funded Status	The following tables set forth the changes in the plans’ benefit obligations, fair value of plan assets and the plans’ funded status as of December 31: Pension Benefits Postretirement Benefits (In thousands) 2023 2022 2023 2022 Change in benefit obligations: Benefit obligations at beginning of year $ 9,442 $ 12,720 $ 136 $ 325 Service cost - - - - Interest cost 562 465 8 11 Plan participants' contribution - - 5 9 Actuarial (gain) loss 214 ( 3,368 ) ( 7 ) ( 164 ) Benefits paid ( 632 ) ( 375 ) ( 22 ) ( 45 ) Benefit obligations at end of year 9,586 9,442 120 136 Change in plan assets: Fair value of plan assets at beginning of year 16,311 20,531 - - Actual return on plan assets 1,429 ( 3,845 ) - - Benefits paid ( 632 ) ( 375 ) 16 ( 45 ) Plan participants' contribution - - 6 9 Employer contributions - - ( 22 ) 36 Fair value of plan assets at end of year 17,108 16,311 - - Funded (unfunded) status - asset (liability) $ 7,522 $ 6,869 $ ( 120 ) $ ( 136 )
Amounts Recognized in Other Comprehensive Loss	Amounts recognized in accumulated other comprehensive loss as of December 31 are as follows: Pension Benefits Postretirement Benefits (In thousands) 2023 2022 2023 2022 Net loss (gain) $ 2,909 $ 3,389 $ ( 103 ) $ ( 103 ) Tax Effect 760 886 ( 27 ) ( 27 ) $ 2,149 $ 2,503 $ ( 76 ) $ ( 76 )
Significant Assumptions Used in Determining Benefit Obligations and Net Periodic Benefit Plan Cost	The significant assumptions used in determining the benefit obligations as of December 31, are as follows: Pension Benefits Postretirement Benefits 2023 2022 2023 2022 Weighted average discount rate 5.94 % 6.09 % 5.94 % 6.09 % Rate of increase in future compensation levels - - - - The significant assumptions used in determining the net periodic benefit plan cost for years ended December 31, were as follows: Pension Benefits Postretirement Benefits 2023 2022 2023 2022 Weighted average discount rate 6.09 % 6.09 % 5.94 % 6.09 % Expected long term rate of return on plan assets 6.00 % 6.00 % - - Rate of increase in future compensation levels - - - -
Composition of Net Periodic Benefit Plan (Benefit) Cost	The composition of the net periodic benefit plan (benefit) cost for the years ended December 31 is as follows: Pension Benefits Postretirement Benefits (In thousands) 2023 2022 2023 2022 Service cost $ - $ - $ - $ - Interest cost 562 465 8 11 Expected return on plan assets ( 965 ) ( 1,068 ) - - Amortization of transition obligation - - - - Amortization of net losses 229 - ( 5 ) 7 Amortization of unrecognized past service liability - - ( 2 ) ( 5 ) Net periodic benefit plan (benefit) cost $ ( 174 ) $ ( 603 ) $ 1 $ 13
Pension Plan Assets Measured at Fair Value	nsion plan assets measured at fair value are summarized below: At December 31, 2023 (In thousands) Level 1 Level 2 Level 3 Total Fair Asset Category: Mutual Funds - Equity Large-cap (a) $ 2,885 $ - $ - $ 2,885 Mid-cap / Small-cap (a) 723 - - 723 International Equity (a) 1,442 - - 1,442 Equity -Total 5,050 - - 5,050 Fixed Income Funds Government Securities (b) (c) 7,990 593 - 8,583 Investment Grade Bonds (d) (e) 329 1,498 - 1,827 Fixed Income-Total 8,319 2,091 - 10,410 Cash Equivalents (f) (g) 1,634 14 - 1,648 Total $ 15,003 $ 2,105 $ - $ 17,108 *Includes cash equivalents investments in equity and fixed income strategies a) This category includes exchange-traded funds representing equity markets. b) This category includes nominal U. S Treasuries. c) This category includes U.S. Agencies and U.S. TIPS . d) This category includes exchange traded funds with fixed income as the underlying exposure. e) This category includes investment grade corporate bonds and municipal bonds . f) This category includes a fully collateralized money market fund. g) This category includes an ex-dividend that will be paid in cash and accrued interest for the money market fund. At December 31, 2022 (In thousands) Level 1 Level 2 Level 3 Total Fair Asset Category: Mutual Funds - Equity Large-cap value (a) $ - $ 1,659 $ - $ 1,659 Large-cap Growth (b) - 1,239 - 1,239 Large-cap Core (c) - 993 - 993 Mid-cap Value (d) - 384 - 384 Mid-cap Growth (e) - 309 - 309 Mid-cap Core (f) - 340 - 340 Small-cap Value (g) - 179 - 179 Small-cap Growth (h) - 413 - 413 Small-cap Core (i) - 268 - 268 International Equity (j) - 2,199 - 2,199 Equity -Total - 7,983 - 7,983 Fixed Income Funds Fixed Income - US Core (k) - 2,007 - 2,007 Intermediate Duration (l) - 3,347 - 3,347 Long Duration (m) - 2,568 - 2,568 Fixed Income-Total - 7,922 - 7,922 Cash Equivalents-Money market* 54 352 - 406 Total $ 54 $ 16,257 $ - $ 16,311 *Includes cash equivalents investments in equity and fixed income strategies a) This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks. b) This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S. c) This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index. d) This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index. e) This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index. f) This category seeks to track the performance of the S&P Midcap 400 Index. g) This category consists of a selection of investments based on the Russell 2000 Value Index. h) This category consists of a mutual fund invested in small capitalization growth companies along with a fund invested in a selection of investments based on the Russell 2000 Growth Index. i) This category consists of a mutual fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10 % of the market universe, or smaller than the 1000th largest US company. j) This category invests primarily in medium to large non-US companies in developed and emerging markets. Under normal circumstances, at least 80 % of total assets will be invested in equity securities, including common stocks, preferred stocks, and convertible securities. k) This category currently includes equal investments in three mutual funds, two of which usually hold at least 80 % of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index. The third fund targets investments of 50 % or more in mortgage-backed securities guaranteed by the US government and its agencies. l) This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5- 20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better. m) This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term.
Expected Future Service Benefit Payments	The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid from both retirement plans: Pension Postretirement (In thousands) Benefits Benefits Total Years ending December 31: 2024 $ 462 $ 13 $ 475 2025 482 13 495 2026 603 12 615 2027 625 12 637 2028 685 12 697 Thereafter 3,651 51 3,702

Stock Based Compensation Plans

Stock Based Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]
Activity in the Stock Option Plans	Activity in the stock option plans is as follows: Options Outstanding Shares Exercisable Number of Weighted Average Number of Weighted Average (Shares in thousands) Shares Exercise Price Shares Exercise Price Outstanding at January 1, 2022 264 $ 10.98 210 $ 11.05 Granted - - - - Newly vested - - 27 10.73 Exercised ( 37 ) - ( 37 ) - Forfeited ( 4 ) 11.35 - - Expired - - - - Outstanding at December 31, 2022 223 $ 10.94 200 $ 10.98 Granted - $ - - $ - Newly vested - - 23 - Exercised ( 58 ) - ( 58 ) - Forfeited - - - - Expired - - - - Outstanding at December 31, 2023 165 $ 11.03 165 $ 11.03

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Provision for Income Taxes	The provision for income taxes for the years ended December 31, is as follows: (In thousands) 2023 2022 Current $ 2,729 $ 2,517 Deferred ( 367 ) 139 $ 2,362 $ 2,656 The provision for income taxes includes the following (In thousands) 2023 2022 Federal Income Tax $ 2,295 $ 2,342 State Tax 67 314 $ 2,362 $ 2,656
Components of the Net Deferred Tax Asset (Liability) Included in Other Assets	The components of the net deferred tax asset (liability), included in other assets as of December 31, are as follows: (In thousands) 2023 2022 Assets: Deferred compensation $ 1,102 $ 1,051 Allowance for credit losses 4,423 4,004 Postretirement benefits 31 36 Subordinated debt interest 58 37 Loan origination fees 150 261 Investment securities 2,676 3,583 Stock-based compensation 37 71 Lease Liabilities 447 632 Other 466 322 Total 9,390 9,997 Liabilities: Prepaid pension ( 1,966 ) ( 1,795 ) Cash flow hedges ( 17 ) ( 135 ) Depreciation ( 1,675 ) ( 2,097 ) Accretion ( 214 ) ( 494 ) Intangible assets ( 1,004 ) ( 1,004 ) Mortgage servicing rights ( 86 ) ( 96 ) Right-of-use assets ( 398 ) ( 549 ) Prepaid expenses and transaction fees ( 101 ) ( 112 ) Total ( 5,461 ) ( 6,282 ) Net deferred tax asset $ 3,929 $ 3,715
Reconciliation of the Federal Statutory Income Tax Rate to the Effective Income Tax Rate	A reconciliation of the federal statutory income tax rate to the effective income tax rate for the years ended December 31, is as follows: 2023 2022 Federal statutory income tax rate 21.0 % 21.0 % State tax, net of federal benefit 0.4 1.6 Tax-exempt interest income ( 1.2 ) ( 1.3 ) Increase in value of bank owned life insurance less premiums paid ( 1.1 ) ( 0.8 ) Change in valuation allowance - ( 0.4 ) Federal credits ( 0.6 ) ( 0.6 ) Other 1.5 ( 2.5 ) Effective income tax rate - Pathfinder Bancorp, Inc. 20.0 % 17.0 % Noncontrolling interest 0.8 0.5 Effective income tax rate 20.8 % 17.5 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Summary of the Contractual Amounts of Financial Instruments with Credit Risk	At December 31, 2023 and 2022, the following financial instruments were outstanding whose contract amounts represent credit risk: Contract Amount (In thousands) 2023 2022 Commitments to grant loans $ 41,878 $ 50,605 Unfunded commitments under lines of credit 157,150 155,453 Unfunded commitments related to construction loans in progress 4,342 7,142 Standby letters of credit 1,657 2,845

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Actual Capital Amounts and Ratios	The Bank’s actual capital amounts and ratios as of December 31, 2023 and 2022 are presented in the following table. Actual Minimum For Minimum To Be Minimum for (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2023: Total Core Capital (to Risk-Weighted Assets) $ 155,922 15.05 % $ 82,860 8.00 % $ 103,575 10.00 % $ 108,753 10.50 % Tier 1 Capital (to Risk-Weighted Assets) $ 142,927 13.80 % $ 62,145 6.00 % $ 82,860 8.00 % $ 88,038 8.50 % Tier 1 Common Equity (to Risk-Weighted Assets) $ 142,927 13.80 % $ 46,609 4.50 % $ 67,324 6.50 % $ 72,502 7.00 % Tier 1 Capital (to Assets) $ 142,927 10.11 % $ 56,548 4.00 % $ 70,685 5.00 % $ 70,685 5.00 % As of December 31, 2022: Total Core Capital (to Risk-Weighted Assets) $ 145,760 15.14 % $ 77,029 8.00 % $ 96,286 10.00 % $ 101,100 10.50 % Tier 1 Capital (to Risk-Weighted Assets) $ 133,683 13.88 % $ 57,772 6.00 % $ 77,029 8.00 % $ 81,843 8.50 % Tier 1 Common Equity (to Risk-Weighted Assets) $ 133,683 13.88 % $ 43,329 4.50 % $ 62,586 6.50 % $ 67,400 7.00 % Tier 1 Capital (to Assets) $ 133,683 9.67 % $ 55,314 4.00 % $ 69,142 5.00 % $ 69,142 5.00 %

Interest Rate Derivatives (Tabl

Interest Rate Derivatives (Tables)	12 Months Ended
	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Cumulative Basis Adjustments for Fair Value Hedges	(In thousands) Hedge-Adjusted Carrying Amount of the Hedged Assets at Cumulative Amount of Fair Value Hedging Adjustment Subtracted from Carrying Amount of the Hedged Assets at December 31, 2023 Hedge-Adjusted Carrying Amount of the Hedged Assets at Cumulative Amount of Fair Value Hedging Adjustment Subtracted from Carrying Amount of the Hedged Assets at December 31, 2022 Line item on the balance sheet in which the hedged item is included: Available-for-sale securities (1) $ 95,887 $ 3,113 $ 68,741 $ 8,240 Loans receivable (2) $ 156,836 $ 620 $ 37,196 $ 1,477 (1) The $ 95.9 million carrying amount of hedged assets represents the hedge-adjusted amortized cost basis of specifically-identified high grade municipal and GSE-backed securities designated as the underlying assets for the hedging relationships. The notional amount of the designated hedges were $ 89.1 million and $ 66.8 million at December 31, 2023 and December 31, 2022, respectively. The fair value of the derivatives (an unrealized gain, receivable from derivative counterparties), recorded in other assets, resulted in a net asset position of $ 3.1 million and $ 8.2 million at December 31, 2023 and December 31, 2022, respectively. The Company’s participation in these fair value hedging transactions increased interest income by $ 2.1 million and $ 565,000 , in the years ended December 31, 2023 and 2022, respectively. (2) The $ 156.8 million carrying amount of hedged assets represents the hedge-adjusted amortized cost of a designated pool of residential mortgages and the aggregate hedge-adjusted amortized cost of four specified purchased consumer loan pools. These pools of loans were designated as the underlying assets for the hedging relationships in which the hedged underlying asset's notional amounts were the amortized cost projected to be remaining at the end of the contractual term of the hedging instruments. The amount of the designated hedged items were $ 141.0 million and $ 19.2 million at December 31, 2023 and December 31, 2022, respectively. At December 31, 2023, the fair value of the derivatives recorded in other assets (an unrealized gain, receivable from derivative counterparties) resulted in a net asset position of $ 603,000 , recorded by the Company in other assets. The Company’s participation in these fair value hedging transactions increased interest income by $ 2.3 million and $ 188,000 , in the years ended December 31, 2023 and 2022, respectively. Details of the two hedging strategies are presented below: a. On April 7, 2023 the Bank entered into an amortizing swap transaction with an initial notional amount of $ 100.0 million whereby the Bank will receive 3-month SOFR monthly based on the notional amount of the swap contract at the beginning of each month until the swap transaction expires in 2035 . The notional amount declines monthly according to a predetermined amortization schedule and was $ 91.0 million at December 31, 2023. The Bank will pay a fixed rate of 3.208 % to the contract's counterparty throughout the life of the contract based on each month's beginning notional balance. b. On December 7, 2023, the Bank entered into five fixed-pay interest rate swap contracts with a total notional amount of $ 50.0 million, whereby the Bank will receive 3-month SOFR monthly until the respective maturity dates of the contracts. The contracts expire in annual increments on December 1 of 2025 ($ 5.0 million, fixed rate of 4.463 %), 2026 ($ 5.0 million, fixed rate of 4.136 %), 2027 ($ 10.0 million, fixed rate of 3.973 %), 2028 ($ 15.0 million, fixed rate of 3.887 %), and 2029 ($ 15.0 million, fixed rate of 3.845 %). The fair value of these swap contracts, included as an addition to the carrying value of certain consumer loans was a negative $ 721,000 (an amount payable to the swap counterparty) at December 31, 2023. This payable amount is included in the loan related totals above.
Schedule of Cash Flow Hedges	The following table shows the pre-tax position of the Company’s derivatives designated as cash flow hedges in OCI at December 31: (In thousands) 2023 2022 Fair market value adjustment gain/(loss) - interest rate swap $ 45 $ 519 Total gain (loss) in comprehensive income $ 45 $ 519
Schedule of Accumulated Other Comprehensive Loss	Accumulated other comprehensive loss represents the sum of these items, with the exception of net income, as of the balance sheet date and is represented in the table below. As of December 31, Accumulated Other Comprehensive Loss By Component: 2023 2022 Unrealized loss for pension and other postretirement obligations $ ( 2,806 ) $ ( 3,286 ) Tax effect 733 859 Unrealized loss for pension and other postretirement obligations, net of tax ( 2,073 ) ( 2,427 ) Unrealized loss on available-for-sale securities ( 10,241 ) ( 13,710 ) Tax effect 2,677 3,583 Unrealized loss on available-for-sale securities, net of tax ( 7,564 ) ( 10,127 ) Unrealized gain on hedging activities arising during the period 45 517 Tax effect ( 13 ) ( 135 ) Unrealized gain on hedging activities, net of tax 32 382 Accumulated other comprehensive loss $ ( 9,605 ) $ ( 12,172 ) For the years ended (In thousands) December 31, 2023 December 31, 2022 Balance as of January 1: $ 519 $ ( 387 ) Amount of unrealized gains recognized in other ( 474 ) 906 Gain (loss) in other comprehensive income: $ 45 $ 519

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Fair Value of Assets on Recurring Basis Segregated by Level of Valuation Inputs	The following tables summarize assets measured at fair value on a recurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: December 31, 2023 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 80,083 $ - $ 80,083 State and political subdivisions - 32,924 - 32,924 Corporate - 6,576 - 6,576 Asset backed securities - 19,892 - 19,892 Residential mortgage-backed - US agency - 24,418 - 24,418 Collateralized mortgage obligations - US agency - 12,179 - 12,179 Collateralized mortgage obligations - Private label - 78,095 - 78,095 Total - 254,167 - 254,167 Equity investment securities: Common stock - financial services industry 206 - - 206 Other Securities: Corporate issuances measured at NAV - - - 4,343 Total available-for-sale securities $ 206 $ 254,167 $ - $ 258,716 Marketable equity securities measured at NAV $ - $ - $ 3,206 Interest rate swap derivative fair value hedges (unrealized gain carried as receivable from derivative counterparties) $ - $ 5,160 $ - $ 5,160 Interest rate swap derivative cash flow hedges (unrealized gain carried as receivable from derivative counterparties) $ - $ 45 $ - $ 45 December 31, 2022 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 29,364 $ - $ 29,364 State and political subdivisions - 45,385 - 45,385 Corporate - 7,066 - 7,066 Asset backed securities - 15,400 - 15,400 Residential mortgage-backed - US agency - 16,400 - 16,400 Collateralized mortgage obligations - US agency - 11,708 - 11,708 Collateralized mortgage obligations - Private label - 61,434 - 61,434 Total $ - $ 186,757 $ - $ 186,757 Equity investment securities: Common stock - financial services industry 206 - - 206 Other Securities: Corporate issuances measured at NAV - - - 4,763 Total available-for-sale securities $ 206 $ 186,757 $ - $ 191,726 Marketable equity securities measured at NAV $ - $ - $ 1,862 Interest rate swap derivative fair value hedges (unrealized gain carried as receivable from derivative counterparties) $ - $ 9,717 $ - $ 9,717 Interest rate swap derivative cash flow hedges (unrealized gain carried as receivable from derivative counterparties) $ - $ 519 $ - $ 519
Summary of Fair Value Assets Measured on Nonrecurring Basis	The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: December 31, 2023 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Individually evaluated loans $ - $ - $ 9,722 $ 9,722 Foreclosed real estate - - 151 151 December 31, 2022 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 2,328 $ 2,328 Foreclosed real estate - - 221 221
Fair Value Inputs, Quantitative Information	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value. Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2023 Individually evaluated loans Appraisal of collateral Discounted Cash Flow 10 % - 75 % ( 21 %) Foreclosed real estate Appraisal of collateral Costs to Sell 21 % - 24 % ( 22 %) Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2022 Impaired loans Appraisal of collateral Discounted Cash Flow 5 % - 35 % ( 17 %) (Sales Approach) Costs to Sell 7 % - 14 % ( 12 %) Foreclosed real estate Appraisal of collateral Appraisal Adjustments 15 % - 15 % ( 15 %) (Sales Approach) Costs to Sell 6 % - 9 % ( 8 %)
Carrying Amounts and Fair Value of Financial Instruments	The carrying amounts and fair values of the Company’s financial instruments as of December 31 are presented in the following table: December 31, 2023 December 31, 2022 Fair Value Carrying Estimated Carrying Estimated (In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and cash equivalents 1 $ 48,732 $ 48,732 $ 35,282 $ 35,282 Investment securities - available-for-sale 2 254,167 254,167 186,757 186,757 Investment securities - available-for-sale NAV 4,343 4,343 4,763 4,763 Investment securities - marketable securities NAV 3,206 3,206 1,862 1,862 Investment securities - held-to-maturity 2 179,286 168,034 194,402 181,491 Federal Home Loan Bank stock 2 8,748 8,748 5,982 5,982 Net loans 3 881,232 823,052 882,435 844,892 Accrued interest receivable 1 7,286 7,286 6,168 6,168 Interest rate derivative cash flow hedge receivable/(payable) 2 45 45 519 519 Interest rate derivative fair value hedges receivable - AFS investments 2 3,113 3,113 8,240 8,240 Interest rate derivative fair value hedges receivable - loans 2 2,047 1,477 1,477 1,477 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 607,301 $ 607,301 $ 699,624 $ 699,624 Time Deposits 2 512,766 517,514 425,806 393,676 Borrowings 2 175,599 174,071 115,997 112,877 Subordinated debt 2 29,914 28,026 29,733 27,378 Accrued interest payable 1 2,245 2,245 975 975

Parent Company - Financial In_2

Parent Company - Financial Information (Tables)	12 Months Ended
	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Schedule of Condensed Financial Information	The following represents the condensed financial information of Pathfinder Bancorp, Inc. as of and for the years ended December 31: Statements of Condition 2023 2022 (In thousands) Assets Cash $ 5,336 $ 9,638 Investments 3,206 1,862 Investment in bank subsidiary 138,704 126,733 Investment in non-bank subsidiary 155 155 Premise and equipment, net - 9 Assets held-for-sale 3,042 3,042 Other assets 607 735 Total assets 151,050 142,174 Liabilities and Shareholders' Equity Accrued liabilities 880 859 Subordinated debt 29,914 29,733 Shareholders' equity 120,256 111,582 Total liabilities and shareholders' equity $ 151,050 $ 142,174 Statements of Income 2023 2022 (In thousands) Income Dividends from non-bank subsidiary $ 11 $ 5 Dividends from marketable equity security - 15 (Loss) gain on marketable securities ( 255 ) 352 Impairment on premise and equipment - ( 380 ) Operating, net 192 128 Total income ( 52 ) 120 Expenses Interest 1,941 1,749 Operating, net 724 1,299 Total expenses 2,665 3,048 Loss before taxes and equity in undistributed net ( 2,717 ) ( 2,928 ) Tax benefit 557 528 Loss before equity in undistributed net income of subsidiaries ( 2,160 ) ( 2,400 ) Equity in undistributed net income of subsidiaries 11,453 15,332 Net income $ 9,293 $ 12,932 Statements of Cash Flows 2023 2022 (In thousands) Operating Activities Net Income $ 9,293 $ 12,932 Equity in undistributed net income of subsidiaries ( 11,453 ) ( 15,332 ) Stock based compensation and ESOP expense 462 626 Amortization of deferred financing from subordinated loan 181 170 Gains on marketable securities 254 ( 352 ) Impairment of fixed asset - 380 Net change in other assets and liabilities 152 375 Net cash used in operating activities ( 1,111 ) ( 1,201 ) Investing Activities Purchase of investments ( 1,598 ) ( 1,628 ) Proceeds from sales of marketable equity securities - 714 Disposal of premises and equipment - ( 3,311 ) Transfer of fixed asset to held-for-sale - 3,042 Proceeds from insurance claim for premises and equipment - 60 Purchase of premises and equipment 9 ( 9 ) Net cash used in investing activities ( 1,589 ) ( 1,132 ) Financing activities Proceeds from exercise of stock options 623 418 Cash dividends paid to common shareholders ( 1,684 ) ( 1,568 ) Cash dividends paid to non-voting common shareholders ( 497 ) ( 469 ) Cash dividends paid on warrants ( 45 ) ( 43 ) Net cash used in financing activities ( 1,603 ) ( 1,662 ) Change in cash and cash equivalents ( 4,302 ) ( 3,995 ) Cash and cash equivalents at beginning of year 9,638 13,633 Cash and cash equivalents at end of year $ 5,336 $ 9,638

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2023
Related Party Transactions [Abstract]
Schedule of Loans to Related Parties	The following represents the activity associated with loans to related parties during the years ended: December 31, December 31, (In thousands) 2023 2022 Balance at the beginning of the year $ 32,531 $ 22,427 Originations and related party additions 4,360 15,278 Principal payments and related party removals ( 4,149 ) ( 5,174 ) Balance at the end of the period $ 32,742 $ 32,531

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax	Changes in the components of accumulated other comprehensive income (loss) (“AOCI”), net of tax, for the periods indicated are summarized in the table below. For the year ended December 31, 2023 (In thousands) Net Unrealized Loss on Retirement Plans Unrealized Loss on Available-for-Sale Securities Unrealized Gain on Derivatives and Hedging Activities Unrealized Gain on Securities Transferred to Held-to-Maturity Total Beginning balance $ ( 2,427 ) $ ( 10,127 ) $ 382 $ - $ ( 12,172 ) Other comprehensive income (loss) before reclassifications 190 1,136 ( 350 ) - 976 Amounts reclassified from AOCI 164 1,427 - - 1,591 Ending balance $ ( 2,073 ) $ ( 7,564 ) $ 32 $ - $ ( 9,605 ) For the year ended December 31, 2022 (In thousands) Net Unrealized Loss on Retirement Plans Unrealized Loss on Available-for-Sale Securities Unrealized Gain on Derivatives and Hedging Activities Unrealized Gain on Securities Transferred to Held-to-Maturity Total Beginning balance $ ( 1,412 ) $ 428 $ ( 286 ) $ 2 $ ( 1,268 ) Other comprehensive (loss) income before reclassifications ( 1,017 ) ( 10,673 ) 668 ( 2 ) ( 11,024 ) Amounts reclassified from AOCI 2 118 - - 120 Ending balance $ ( 2,427 ) $ ( 10,127 ) $ 382 $ - $ ( 12,172 )
Schedule of Amounts Reclassified Out of Each Component of AOCI	The following table presents the amounts reclassified out of each component of AOCI for the indicated annual period: Amount Reclassified from AOCI (1) (Unaudited) (In thousands) For the years ended Details about AOCI (1) components Affected Line Item in the Statement of Income December 31, 2023 December 31, 2022 Retirement plan items Retirement plan net losses (2) Salaries and employee benefits $ ( 222 ) $ ( 2 ) Tax effect Provision for income taxes 58 - Net Income $ ( 164 ) $ ( 2 ) Available-for-sale securities Realized losses on sale of securities Net gains on sales and redemptions $ ( 1,932 ) $ ( 160 ) Tax effect Provision for income taxes 505 42 Net Income $ ( 1,427 ) $ ( 118 ) (1) Amounts in parentheses indicates debits in net income. (2) These items are included in net periodic pension cost. See Note 14 for additional information.

Noninterest Income (Tables)

Noninterest Income (Tables)	12 Months Ended
	Dec. 31, 2023
Revenue from Contract with Customer [Abstract]
Summary of Noninterest Income	The Company has included the following table regarding the Company’s noninterest income for the years ended December 31, 2023 and 2022: For the years ended (In thousands) December 31, 2023 December 31, 2022 Service charges on deposit accounts Insufficient funds fees $ 686 $ 569 Deposit related fees 436 390 ATM fees 127 167 Total service charges on deposit accounts 1,249 1,126 Fee Income Insurance agency revenue 1,304 1,128 Investment services revenue 454 446 ATM fees surcharge 225 229 Banking house rents collected 207 229 Total fee income 2,190 2,032 Card income Debit card interchange fees 616 867 Merchant card fees 60 70 Total card income 676 937 Mortgage fee income and realized gain on sale of loans Loan servicing fees 307 363 Net gains on sales of loans and foreclosed real estate 181 137 Total mortgage fee income and realized gain on sale of 488 500 Total 4,603 4,595 Earnings and gains on bank owned life insurance 630 589 Net (losses) gains on sale and redemption of investment 62 ( 169 ) Net realized (losses) gains on marketable equity securities ( 255 ) 352 Net (losses) gains on sale of premises and equipment - ( 250 ) Other miscellaneous income 150 797 Total noninterest income $ 5,190 $ 5,914

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
Components of Lease Expense	The components of lease expense are as follows: For the years ended (In thousands) December 31, 2023 December 31, 2022 Operating lease cost $ 219 $ 227 Finance lease cost 435 111
Supplemental Cash Flow Information Related to Leases	Supplemental cash flow information related to leases was as follows: For the years ended (In thousands) December 31, 2023 December 31, 2022 Cash paid for amount included in the measurement of lease liabilities: Operating cash flows from operating leases $ 201 $ 211 Operating cash flows from finance leases 435 111 Financing cash flows from finance leases 125 90
Supplemental Balance Sheet Information Related to Leases	Supplemental balance sheet information related to leases was as follows: (In thousands, except lease term and discount rate) December 31, 2023 December 31, 2022 Operating Leases: Operating lease right-of-use assets $ 1,526 $ 2,098 Operating lease liabilities 1,711 2,417 Finance Leases: Finance lease right-of-use assets $ 4,073 $ 4,213 Finance lease liability 4,381 4,422 Weighted Average Remaining Lease Term: Operating Leases 17.22 years 18.28 years Finance Leases 27.35 years 28.35 years Weighted Average Discount Rate: Operating Leases 3.88 % 3.85 % Finance Leases 9.40 % 9.41 %
Maturities of Lease Liabilities	Maturities of lease liabilities were as follows: Twelve Months Ending December 31, (In thousands) 2024 $ 164 2025 166 2026 167 2027 177 2028 161 Thereafter 5,256 Total minimum lease payments $ 6,091

COVID-19 (Tables)

COVID-19 (Tables)	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
Summary of Loan Portfolio by Collateral Type Within Major Categories	The following table details the Company's loan portfolio by collateral type within major categories as of December 31, 2023. (Dollars in thousands) Balance Number Average Minimum/ Allowance for Credit Losses Percent Residential Mortgage Loans $ 258,959 2,522 $ 103 $ - $ 4,871 $ 2,466 29 % Commercial Real Estate: Multi Family (5 or More) $ 75,741 66 $ 1,148 $ 17 $ 8,530 $ 1,214 8 % Mixed Use 50,022 59 848 17 5,951 802 6 % Office Space 38,824 70 555 19 4,037 622 4 % Hotels and Motels 29,524 9 3,280 193 11,500 473 3 % 1-4 Family 25,089 167 150 - 2,407 402 3 % Retail Space 22,721 47 483 18 4,756 364 3 % Recreation/ Golf Course/ Marina 19,290 19 1,015 77 4,543 309 2 % Auto Dealership 13,259 10 1,326 - 5,084 213 1 % Nursing Home 11,900 2 5,950 3,800 8,100 191 1 % Self Storage/Mini Storage 11,892 3 3,964 48 11,428 191 1 % Manufacturing/Industrial 9,634 17 567 51 3,356 154 1 % Land 7,550 9 839 38 3,753 121 1 % Warehouse 7,304 13 562 52 2,311 117 1 % Assisted Living 7,180 1 7,180 7,180 7,180 115 1 % Restaurant 5,793 23 252 32 1,056 93 1 % Auto Repair 5,696 13 438 39 2,054 91 1 % Hospitals 4,755 3 1,585 45 2,973 76 1 % Property for Community Service 3,121 3 1,040 94 1,580 50 0 % All Others 9,412 25 376 8 3,583 151 1 % Total Commercial Real Estate Loans $ 358,707 559 $ 642 $ - $ 11,500 $ 5,751 40 % Commercial and Industrial: Secured Term Loans $ 78,928 384 206 $ - $ 4,019 $ 1,471 9 % Unsecured Term Loans 10,875 89 122 - 920 203 1 % Secured Lines of Credit 48,569 264 184 - 5,000 2,211 5 % Unsecured Lines of Credit 23,500 148 159 - 3,000 1,070 3 % Total Commercial and $ 161,872 885 $ 183 $ - $ 5,000 $ 4,955 18 % Tax Exempt Loans $ 3,430 10 $ 343 $ 6 $ 2,215 $ 1 0 % Paycheck Protection Program Loans $ 158 5 $ 32 $ 4 $ 77 $ - 0 % Consumer: Home Equity Lines of Credit $ 34,858 1,026 $ 34 $ - $ 985 $ 657 4 % Vehicle 11,032 1,417 8 - 410 297 1 % Consumer Secured 29,523 545 54 8 42 794 3 % Consumer Unsecured 37,767 1,940 19 - 54 1,015 5 % All Others 1,475 596 2 - 88 40 0 % Total Consumer Loans $ 114,655 5,524 $ 21 $ - $ 985 $ 2,802 13 % Net deferred loan fees 574 - - - - - - Unallocated allowance for ( 15,975 ) - - - - - - Total Loans $ 882,380 9,505 $ 94 $ 15,975 100 %

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Additional Information (Details)	12 Months Ended
	Dec. 31, 2023 USD ($) Office Derivative Subsidiary	Dec. 31, 2022 USD ($)	Jan. 01, 2023 USD ($)
Nature of Operations [Abstract]
Specifically-Identified Loan		$ 4,800,000
Transition Charge			$ 1,700,000
Number of wholly-owned subsidiaries | Subsidiary	2
Consolidation of membership interest in Fitzgibbons	100%
Number of offices located In Oswego County | Office	7
Number of offices located in Onondaga County | Office	4
Number of loan production office located in Oneida County | Office	1
Significant Group Concentrations of Credit Risk [Abstract]
Minimum commercial real estate loans amount required for additional review	$ 400,000
Advertising Expense [Abstract]
Advertising contracts maturity description	Expenditures for new marketing and advertising material designs and/or media content, related to specifically-identifiable marketing campaigns are capitalized and expensed over the estimated life of the campaign. Such periods of time are generally 12-24 months in duration and do not exceed 36 months.
Cash and Cash Equivalents [Abstract]
Maturity period for classification as cash and cash equivalents, maximum	3 months
Income Recognition on Impaired and Non-accrual Loans [Abstract]
Number of consecutive months of current payments before non-accrual troubled debt restructured loans are restored to accrual status	6 months
Goodwill and Intangible Assets [Abstract]
Estimated useful life	15 years
Interest Rate Derivatives [Member]
Goodwill and Intangible Assets [Abstract]
Number of interest rate derivatives | Derivative	2
Maximum [Member] | Premises [Member]
Premises and Equipment [Abstract]
Useful life	40 years
Maximum [Member] | Equipment [Member]
Premises and Equipment [Abstract]
Useful life	10 years
Commercial Loan
Nature of Operations [Abstract]
Allowance for Loan and Lease Losses	$ 100,000
Residential Loan
Nature of Operations [Abstract]
Allowance for Loan and Lease Losses	$ 300,000
Unfunded Loan Commitment [Member]
Nature of Operations [Abstract]
Actual fundings on lines of credit	5 years
Current Expected Credit Loss [Member]
Nature of Operations [Abstract]
Allowance For Loan And Lease Losses		15,300,000
Specifically-Identified Loan		4,800,000
Aggregate Pool Basis Loan		10,500,000
Transition Charge			1,900,000
Transition Charge Reversed		$ 12,400,000	10,500,000
Historical loss rate			8,400,000
Qualitative factors			4,000,000
Transition Adjustment	$ 1,900,000		2,100,000
Current Expected Credit Loss ACL			$ 12,400,000
Current Expected Credit Loss [Member] | Unfunded Loan Commitment [Member]
Nature of Operations [Abstract]
Created New Reserves	552,000
Current Expected Credit Loss [Member] | Held-to-Maturity Securities [Member]
Nature of Operations [Abstract]
Created New Reserves	$ 450,000
FitzGibbons Agency LLC [Member] | Pathfinder Risk Management Company Inc [Member]
Nature of Operations [Abstract]
Membership interest own in Fitzgibbons through subsidiary	51%
Noncontrolling interest by subsidiary	49%

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Schedule of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Unrealized loss for pension and other postretirement obligations	$ (2,806)	$ (3,286)
Tax effect	733	859
Unrealized loss for pension and other postretirement obligations	(2,073)	(2,427)
Unrealized loss on available-for-sale securities	(10,241)	(13,710)
Tax effect	2,677	3,583
Unrealized loss on available-for-sale securities	(7,564)	(10,127)
Unrealized holding gain (loss) on hedging activities arising during the period	45	517
Tax effect	(13)	(135)
Unrealized gain (loss) on hedging activities	32	382
Accumulated other comprehensive loss	$ (9,605)	$ (12,172)

New Accounting Pronouncements -

New Accounting Pronouncements - Additional Information (Details) - USD ($)	Jan. 01, 2023	Dec. 31, 2023	Dec. 31, 2022
New Accounting Pronouncements Or Change In Accounting Principle [Line Items]
Increase in allowance for credit losses	$ 1,900,000
Increase decrease in other liabilities	552,000
Increase decrease in book value of held yo maturity securities	450,000
Increase decrease in other current assets	754,000
Retained earnings	$ 2,100,000	$ 76,060,000	$ 71,322,000
Fixed-pay Interest Rate Swap [Member]
New Accounting Pronouncements Or Change In Accounting Principle [Line Items]
Derivative, notional amount		100,000,000
Five Fixed-pay Interest Rate Swap [Member]
New Accounting Pronouncements Or Change In Accounting Principle [Line Items]
Derivative, notional amount		$ 50,000,000

Earnings per Share - Additional

Earnings per Share - Additional Information (Details) - shares		12 Months Ended
	Jul. 04, 2021	Dec. 31, 2023	Dec. 31, 2022
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Conversion of preferred stock, shares converted	1,380,283
Conversion of stock, description		the Company converted 1,380,283 shares of its Series B Convertible Perpetual Preferred Stock to an equal number of shares of its newly-created Series A Non-Voting Common Stock.
Employee Stock Option
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Anti-dilutive stock options (in shares)		0	0

Earnings per Share - Calculatio

Earnings per Share - Calculations of Basic and Diluted Earnings per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Net Income (Loss)	$ 9,293	$ 12,932
Dividends per common share (Voting and Series A Non-Voting)	$ 0.36	$ 0.36
Warrant dividends	$ 45	$ 45
Series A Nonvoting Common Stock [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Dividends per common share (Voting and Series A Non-Voting)	$ 497	$ 497
Warrant dividends	$ 45	$ 45
Undistributed earnings allocated to participating securities	5,487	8,298
Net income available to common shareholders- Voting	$ 2,081	$ 2,943
Basic weighted average common shares outstanding- Voting	1,380	1,380
Diluted weighted average common shares outstanding- Voting	1,380	1,380
Earnings per common share- basic	$ 1.51	$ 2.13
Earnings per common share - diluted	1.51	2.13
Voting Common Stock [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Dividends per common share (Voting and Series A Non-Voting)	$ 1,680	$ 1,646
Undistributed earnings allocated to participating securities	$ 1,729	$ 2,667
Net income available to common shareholders- Voting	$ 7,022	$ 9,723
Basic weighted average common shares outstanding- Voting	4,653	4,559
Diluted weighted average common shares outstanding- Voting	4,653	4,559
Earnings per common share- basic	$ 1.51	$ 2.13
Earnings per common share - diluted	$ 1.51	$ 2.13

Investment Securities - Amortiz

Investment Securities - Amortized Cost and Estimated Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	$ 268,751	$ 205,230
Gross Unrealized Gains, Debt investment securities	1,476	1,105
Gross Unrealized Losses, Debt investment securities	(11,717)	(14,815)
Debt Securities	258,510	191,520
Amortized cost, equity securities	206	206
Gross Unrealized Gains, Equity investment securities	0	0
Gross Unrealized Losses, Equity investment securities	0	0
Available-for-sale Securities, Equity investment securities	206	206
Total investment securities, amortized cost basis	268,957	205,436
Gross Unrealized Gains	1,476	1,105
Gross Unrealized Losses	(11,717)	(14,815)
Investment	258,716	191,726
Total	179,637
Less: Allowance for credit losses		4,793
Less: Allowance for credit losses	351
Held-to-maturity securities, debt maturities, Amortized Cost	179,286	194,402
Held to maturity, gross unrealized gains	172	6
Held to maturity, gross unrealized losses	(11,775)	(12,917)
Held-to-maturity Securities, Debt Maturities, Fair Value	168,034	181,491
US Treasury, Agencies and GSEs [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	82,588	32,533
Gross Unrealized Gains, Debt investment securities	754	37
Gross Unrealized Losses, Debt investment securities	(3,259)	(3,206)
Debt Securities	80,083	29,364
Held-to-maturity securities, debt maturities, Amortized Cost	3,760	3,852
Held to maturity, gross unrealized gains	0	0
Held to maturity, gross unrealized losses	(304)	(280)
Held-to-maturity Securities, Debt Maturities, Fair Value	3,456	3,572
State and Political Subdivisions [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	34,588	48,002
Gross Unrealized Gains, Debt investment securities	145	384
Gross Unrealized Losses, Debt investment securities	(1,809)	(3,001)
Debt Securities	32,924	45,385
Held-to-maturity securities, debt maturities, Amortized Cost	16,576	15,211
Held to maturity, gross unrealized gains	28	0
Held to maturity, gross unrealized losses	(1,874)	(2,340)
Held-to-maturity Securities, Debt Maturities, Fair Value	14,730	12,871
Corporate [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	11,008	11,803
Gross Unrealized Gains, Debt investment securities	276	676
Gross Unrealized Losses, Debt investment securities	(365)	(650)
Debt Securities	10,919	11,829
Held-to-maturity securities, debt maturities, Amortized Cost	45,427	45,086
Held to maturity, gross unrealized gains	9	2
Held to maturity, gross unrealized losses	(3,281)	(2,586)
Held-to-maturity Securities, Debt Maturities, Fair Value	42,155	42,502
Asset Backed Securities [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	20,251	16,059
Gross Unrealized Gains, Debt investment securities	0	0
Gross Unrealized Losses, Debt investment securities	(359)	(659)
Debt Securities	19,892	15,400
Held-to-maturity securities, debt maturities, Amortized Cost	16,860	19,158
Held to maturity, gross unrealized gains	0	0
Held to maturity, gross unrealized losses	(1,180)	(1,291)
Held-to-maturity Securities, Debt Maturities, Fair Value	15,680	17,867
Residential Mortgage-Backed - US Agency [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	25,446	17,982
Gross Unrealized Gains, Debt investment securities	57	0
Gross Unrealized Losses, Debt investment securities	(1,085)	(1,582)
Debt Securities	24,418	16,400
Held-to-maturity securities, debt maturities, Amortized Cost	6,974	7,489
Held to maturity, gross unrealized gains	15	0
Held to maturity, gross unrealized losses	(665)	(739)
Held-to-maturity Securities, Debt Maturities, Fair Value	6,324	6,750
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	13,058	13,070
Gross Unrealized Gains, Debt investment securities	116	0
Gross Unrealized Losses, Debt investment securities	(995)	(1,362)
Debt Securities	12,179	11,708
Held-to-maturity securities, debt maturities, Amortized Cost	13,221	15,109
Held to maturity, gross unrealized gains	0	0
Held to maturity, gross unrealized losses	(1,293)	(1,251)
Held-to-maturity Securities, Debt Maturities, Fair Value	11,928	13,858
Collateralized Mortgage Obligations - Private Label [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	81,812	65,781
Gross Unrealized Gains, Debt investment securities	128	8
Gross Unrealized Losses, Debt investment securities	(3,845)	(4,355)
Debt Securities	78,095	61,434
Held-to-maturity securities, debt maturities, Amortized Cost	76,819	88,497
Held to maturity, gross unrealized gains	120	4
Held to maturity, gross unrealized losses	(3,178)	(4,430)
Held-to-maturity Securities, Debt Maturities, Fair Value	73,761	84,071
Mutual funds Common Stock Financial Services Industry [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Amortized cost, equity securities	206	206
Gross Unrealized Gains, Equity investment securities	0	0
Gross Unrealized Losses, Equity investment securities	0	0
Available-for-sale Securities, Equity investment securities	$ 206	$ 206

Investment Securities - Additio

Investment Securities - Additional Information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) Security	Dec. 31, 2022 USD ($) Security
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities | Security	220
Investment securities, aggregate book value	$ 300,600
Proceeds on sales and redemptions of securities	$ 18,000	$ 11,000
Held to maturity securities | Security	123
Held to maturity securities continuous unrealized loss position greater than twelve months amortized historical cost basis	$ 149,200
Held-to-maturity securities aggregate unrealized loss	$ 11,666	4,664
Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Accumulated Loss Percentage	7.80%
Aggregate fair value	$ 277,600
Investment Securities Unrealized Loss Position	$ 23,000
Investment Securities Unrealized Loss Position, Percentage	7.70%
Available for sale securities unrealized aggregate loss	$ 11,300
Securities pledged to collateralize borrowing	114,300	38,100
Securities pledged to collateralize deposit	$ 110,300	$ 99,800
Collateralized Mortgage Obligations of Private Label [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities | Security	119	100
100 Private- Label Mortgage Backed Securities [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Investment securities, aggregate book value		$ 169,800
119 Private Label Mortgage Backed Securities [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Investment securities, aggregate book value	$ 195,700
State and Political Subdivisions [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Held-to-maturity securities aggregate unrealized loss	$ 1,872	$ 1,469
Total Number Of Securities Continuous Unrealized Loss Position For Twelve Months Or More | Security	220
Percentage of securities amortized	25.50%
Number of securities amortized | Security	48
Debt securities, amortized cost balance	$ 76,700
Number of securities in unrealized loss positions, twelve months or more | Security	20	17
Available for sale securities unrealized aggregate loss	$ 1,809	$ 2,171
Debt Securities [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Available for sale securities unrealized aggregate loss percentage	7.50%
Held to maturity securities continuous unrealized loss position greater than twelve months amortized historical cost basis	$ 151,400
Held-to-maturity securities aggregate unrealized loss		$ 11,515
Number of securities in unrealized loss positions, twelve months or more | Security	97
Available for sale securities unrealized aggregate loss	$ 11,351

Investment Securities - Amort_2

Investment Securities - Amortized Cost and Estimated Fair Value of Debt Investments by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Due in one year or less	$ 10,100
Due after one year through five years	9,197
Due after five years through ten years	39,941
Due after ten years	89,197
Sub-total	148,435
Amortized cost	268,751	$ 205,230
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	10,358
Due after one year through five years	8,741
Due after five years through ten years	36,586
Due after ten years	88,133
Sub-total	143,818
Available-for-sale securities, debt maturities, fair value, totals	258,510
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Due in one year or less	2,420
Due after one year through five years	18,568
Due after five years through ten years	43,458
Due after ten years	18,177
Sub-total	82,623
Held-to-maturity securities, debt maturities, Amortized Cost	179,286	194,402
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	2,402
Due after one year through five years	18,173
Due after five years through ten years	39,368
Due after ten years	16,078
Sub-total	76,021
Held-to-maturity securities at fair value	168,034	181,491
Residential Mortgage-Backed - US Agency [Member]
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Amortized cost	25,446	17,982
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Available-for-sale securities, debt maturities, fair value, totals	24,418
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	6,974	7,489
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity securities at fair value	6,324	6,750
Collateralized Mortgage Obligations - US Agency [Member]
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Amortized cost	13,058	13,070
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Available-for-sale securities, debt maturities, fair value, totals	12,179
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	13,221	15,109
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity securities at fair value	11,928	13,858
Collateralized Mortgage Obligations - Private Label [Member]
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Amortized cost	81,812	65,781
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Available-for-sale securities, debt maturities, fair value, totals	78,095
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	76,819	88,497
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity securities at fair value	73,761	$ 84,071
Held-to-Maturity Securities [Member]
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 179,637

Investment Securities - Investm

Investment Securities - Investment Securities' Gross Unrealized Losses and Fair Value by Investment Category and Length of Time that Individual Securities Have Continuous Unrealized Loss Position (Details) $ in Thousands	Dec. 31, 2023 USD ($) Security	Dec. 31, 2022 USD ($) Security
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Twelve months or more Unrealized Losses	$ (11,300)
Number of securities in unrealized loss positions, less than twelve months | Security	11	104
Number of securities in unrealized loss positions, twelve months or more | Security	123	29
Number of securities in unrealized loss positions | Security	134	133
Less than twelve months Unrealized Losses	$ (109)	$ (8,253)
Twelve months or more Unrealized Losses	(11,666)	(4,664)
Total Unrealized Losses	(11,775)	(12,917)
Less than twelve months Fair Value	9,718	127,408
Twelve months or more Fair Value	137,488	29,085
Total Fair Value	$ 147,206	$ 156,493
US Treasury, Agencies and GSEs [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities in unrealized loss positions, less than twelve months | Security	3	0
Number of securities in unrealized loss positions, twelve months or more | Security	3	3
Number of securities in unrealized loss positions | Security	6	3
Less than twelve months Unrealized Losses	$ (13)	$ 0
Twelve months or more Unrealized Losses	(3,246)	(3,206)
Total Unrealized Losses	(3,259)	(3,206)
Less than twelve months Fair Value	5,990	0
Twelve months or more Fair Value	25,794	26,167
Total Fair Value	$ 31,784	$ 26,167
Number of securities in unrealized loss positions, less than twelve months | Security	0	2
Number of securities in unrealized loss positions, twelve months or more | Security	2	0
Number of securities in unrealized loss positions | Security	2	2
Less than twelve months Unrealized Losses	$ 0	$ (280)
Twelve months or more Unrealized Losses	(304)	0
Total Unrealized Losses	(304)	(280)
Less than twelve months Fair Value	0	3,573
Twelve months or more Fair Value	3,456	0
Total Fair Value	$ 3,456	$ 3,573
State and Political Subdivisions [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities in unrealized loss positions, less than twelve months | Security	0	10
Number of securities in unrealized loss positions, twelve months or more | Security	20	17
Number of securities in unrealized loss positions | Security	20	27
Less than twelve months Unrealized Losses	$ 0	$ (830)
Twelve months or more Unrealized Losses	(1,809)	(2,171)
Total Unrealized Losses	(1,809)	(3,001)
Less than twelve months Fair Value	0	12,601
Twelve months or more Fair Value	26,432	20,128
Total Fair Value	$ 26,432	$ 32,729
Number of securities in unrealized loss positions, less than twelve months | Security	4	7
Number of securities in unrealized loss positions, twelve months or more | Security	14	7
Number of securities in unrealized loss positions | Security	18	14
Less than twelve months Unrealized Losses	$ (2)	$ (871)
Twelve months or more Unrealized Losses	(1,872)	(1,469)
Total Unrealized Losses	(1,874)	(2,340)
Less than twelve months Fair Value	575	7,277
Twelve months or more Fair Value	12,718	5,077
Total Fair Value	$ 13,293	$ 12,354
Corporate [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities in unrealized loss positions, less than twelve months | Security	0	7
Number of securities in unrealized loss positions, twelve months or more | Security	5	2
Number of securities in unrealized loss positions | Security	5	9
Less than twelve months Unrealized Losses	$ 0	$ (269)
Twelve months or more Unrealized Losses	(365)	(381)
Total Unrealized Losses	(365)	(650)
Less than twelve months Fair Value	0	5,720
Twelve months or more Fair Value	4,351	1,319
Total Fair Value	$ 4,351	$ 7,039
Number of securities in unrealized loss positions, less than twelve months | Security	1	31
Number of securities in unrealized loss positions, twelve months or more | Security	39	9
Number of securities in unrealized loss positions | Security	40	40
Less than twelve months Unrealized Losses	$ (61)	$ (1,786)
Twelve months or more Unrealized Losses	(3,220)	(800)
Total Unrealized Losses	(3,281)	(2,586)
Less than twelve months Fair Value	439	29,213
Twelve months or more Fair Value	33,532	6,803
Total Fair Value	$ 33,971	$ 36,016
Asset Backed Securities [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities in unrealized loss positions, less than twelve months | Security	3	5
Number of securities in unrealized loss positions, twelve months or more | Security	10	5
Number of securities in unrealized loss positions | Security	13	10
Less than twelve months Unrealized Losses	$ (65)	$ (148)
Twelve months or more Unrealized Losses	(294)	(511)
Total Unrealized Losses	(359)	(659)
Less than twelve months Fair Value	5,907	5,473
Twelve months or more Fair Value	13,985	9,926
Total Fair Value	$ 19,892	$ 15,399
Number of securities in unrealized loss positions, less than twelve months | Security	2	6
Number of securities in unrealized loss positions, twelve months or more | Security	8	3
Number of securities in unrealized loss positions | Security	10	9
Less than twelve months Unrealized Losses	$ (8)	$ (625)
Twelve months or more Unrealized Losses	(1,172)	(666)
Total Unrealized Losses	(1,180)	(1,291)
Less than twelve months Fair Value	2,877	9,742
Twelve months or more Fair Value	10,652	3,674
Total Fair Value	$ 13,529	$ 13,416
Residential Mortgage-Backed - US Agency [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities in unrealized loss positions, less than twelve months | Security	1	10
Number of securities in unrealized loss positions, twelve months or more | Security	15	5
Number of securities in unrealized loss positions | Security	16	15
Less than twelve months Unrealized Losses	$ (14)	$ (131)
Twelve months or more Unrealized Losses	(1,071)	(1,451)
Total Unrealized Losses	(1,085)	(1,582)
Less than twelve months Fair Value	2,477	2,747
Twelve months or more Fair Value	14,931	13,653
Total Fair Value	$ 17,408	$ 16,400
Number of securities in unrealized loss positions, less than twelve months | Security	0	10
Number of securities in unrealized loss positions, twelve months or more | Security	7	1
Number of securities in unrealized loss positions | Security	7	11
Less than twelve months Unrealized Losses	$ 0	$ (736)
Twelve months or more Unrealized Losses	(665)	(3)
Total Unrealized Losses	(665)	(739)
Less than twelve months Fair Value	0	6,577
Twelve months or more Fair Value	4,942	107
Total Fair Value	$ 4,942	$ 6,684
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities in unrealized loss positions, less than twelve months | Security	0	6
Number of securities in unrealized loss positions, twelve months or more | Security	11	6
Number of securities in unrealized loss positions | Security	11	12
Less than twelve months Unrealized Losses	$ 0	$ (238)
Twelve months or more Unrealized Losses	(995)	(1,124)
Total Unrealized Losses	(995)	(1,362)
Less than twelve months Fair Value	0	4,009
Twelve months or more Fair Value	8,123	7,700
Total Fair Value	$ 8,123	$ 11,709
Number of securities in unrealized loss positions, less than twelve months | Security	0	10
Number of securities in unrealized loss positions, twelve months or more | Security	10	1
Number of securities in unrealized loss positions | Security	10	11
Less than twelve months Unrealized Losses	$ 0	$ (1,236)
Twelve months or more Unrealized Losses	(1,293)	(15)
Total Unrealized Losses	(1,293)	(1,251)
Less than twelve months Fair Value	0	12,965
Twelve months or more Fair Value	11,928	892
Total Fair Value	$ 11,928	$ 13,857
Collateralized Mortgage Obligations - Private Label [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities in unrealized loss positions, less than twelve months | Security	10	15
Number of securities in unrealized loss positions, twelve months or more | Security	33	19
Number of securities in unrealized loss positions | Security	43	34
Less than twelve months Unrealized Losses	$ (274)	$ (1,684)
Twelve months or more Unrealized Losses	(3,571)	(2,671)
Total Unrealized Losses	(3,845)	(4,355)
Less than twelve months Fair Value	18,067	20,429
Twelve months or more Fair Value	46,483	33,707
Total Fair Value	$ 64,550	$ 54,136
Number of securities in unrealized loss positions, less than twelve months | Security	4	38
Number of securities in unrealized loss positions, twelve months or more | Security	43	8
Number of securities in unrealized loss positions | Security	47	46
Less than twelve months Unrealized Losses	$ (38)	$ (2,719)
Twelve months or more Unrealized Losses	(3,140)	(1,711)
Total Unrealized Losses	(3,178)	(4,430)
Less than twelve months Fair Value	5,827	58,061
Twelve months or more Fair Value	60,260	12,532
Total Fair Value	$ 66,087	$ 70,593
Debt Securities [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities in unrealized loss positions, less than twelve months | Security	17
Number of securities in unrealized loss positions, twelve months or more | Security	97
Number of securities in unrealized loss positions | Security	114
Less than twelve months Unrealized Losses	$ (366)
Twelve months or more Unrealized Losses	(11,351)
Total Unrealized Losses	(11,717)
Less than twelve months Fair Value	32,441
Twelve months or more Fair Value	140,099
Total Fair Value	$ 172,540
Number of securities in unrealized loss positions, less than twelve months | Security		53
Number of securities in unrealized loss positions, twelve months or more | Security		57
Number of securities in unrealized loss positions | Security		110
Less than twelve months Unrealized Losses		$ (3,300)
Twelve months or more Unrealized Losses		(11,515)
Total Unrealized Losses		(14,815)
Less than twelve months Fair Value		50,979
Twelve months or more Fair Value		112,600
Total Fair Value		$ 163,579

Investment Securities - Summary

Investment Securities - Summary of Debt Securities Held By Bank, Fair Value Has Been Less Than Respective Amortized Cost Basis (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) Security	Dec. 31, 2022 USD ($) Security
Debt Securities, Available-for-Sale [Abstract]
Available for sale securities unrealized aggregate loss	$ 11,300
Debt Securities, Held-to-Maturity, Maturity [Abstract]
Number Of Securities Held To Maturity | Security	123
Held to maturity securities continuous unrealized loss position greater than twelve months amortized historical cost basis	$ 149,200
Held-to-maturity securities aggregate unrealized loss	$ 11,666	$ 4,664
Held-to-maturity securities aggregate unrealized loss percentage	7.80%
State and Political Subdivisions [Member]
Debt Securities, Available-for-Sale [Abstract]
Number of securities in unrealized loss positions, twelve months or more | Security	20	17
Available for sale securities unrealized aggregate loss	$ 1,809	$ 2,171
Debt Securities, Held-to-Maturity, Maturity [Abstract]
Held-to-maturity securities aggregate unrealized loss	$ 1,872	$ 1,469
Corporate [Member]
Debt Securities, Available-for-Sale [Abstract]
Number of securities in unrealized loss positions, twelve months or more | Security	5	2
Available for sale securities unrealized aggregate loss	$ 365	$ 381
Debt Securities, Held-to-Maturity, Maturity [Abstract]
Held-to-maturity securities aggregate unrealized loss	$ 3,220	$ 800
Asset Backed Securities [Member]
Debt Securities, Available-for-Sale [Abstract]
Number of securities in unrealized loss positions, twelve months or more | Security	10	5
Available for sale securities unrealized aggregate loss	$ 294	$ 511
Debt Securities, Held-to-Maturity, Maturity [Abstract]
Held-to-maturity securities aggregate unrealized loss	$ 1,172	$ 666
Residential Mortgage-Backed - US Agency [Member]
Debt Securities, Available-for-Sale [Abstract]
Number of securities in unrealized loss positions, twelve months or more | Security	15	5
Available for sale securities unrealized aggregate loss	$ 1,071	$ 1,451
Debt Securities, Held-to-Maturity, Maturity [Abstract]
Held-to-maturity securities aggregate unrealized loss	$ 665	$ 3
Collateralized Mortgage Obligations - US Agency [Member]
Debt Securities, Available-for-Sale [Abstract]
Number of securities in unrealized loss positions, twelve months or more | Security	11	6
Available for sale securities unrealized aggregate loss	$ 995	$ 1,124
Debt Securities, Held-to-Maturity, Maturity [Abstract]
Held-to-maturity securities aggregate unrealized loss	$ 1,293	$ 15
Collateralized Mortgage Obligations - Private Label [Member]
Debt Securities, Available-for-Sale [Abstract]
Number of securities in unrealized loss positions, twelve months or more | Security	33	19
Available for sale securities unrealized aggregate loss	$ 3,571	$ 2,671
Debt Securities, Held-to-Maturity, Maturity [Abstract]
Held-to-maturity securities aggregate unrealized loss	$ 3,140	1,711
Debt Securities [Member]
Debt Securities, Available-for-Sale [Abstract]
Number of securities in unrealized loss positions, twelve months or more | Security	97
Available for sale securities unrealized aggregate loss	$ 11,351
Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Accumulated Loss Percentage	7.50%
Debt Securities, Held-to-Maturity, Maturity [Abstract]
Held to maturity securities continuous unrealized loss position greater than twelve months amortized historical cost basis	$ 151,400
Held-to-maturity securities aggregate unrealized loss		$ 11,515

Investment Securities - Schedul

Investment Securities - Schedule of allowance for credit losses on investment securities (Details) - USD ($) $ in Thousands	3 Months Ended				12 Months Ended
	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Expected Credit Loss Allowance for Credit Losses				$ 15,319	$ 15,319	$ 12,935
Charge-offs	$ (211)	$ (3,874)	$ (372)	(119)		(761)
Recoveries	103	$ 45	$ 116	92		391
CECL Reserve						15,319
Allowance for credit losses
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Expected Credit Loss Allowance for Credit Losses				0	0
Adjustment for the adoption of ASU 2016-13					450
Provision for credit losses					(98)
Allowance on purchased financial assets with credit deterioration					0
Charge-offs					0
Recoveries					0
CECL Reserve	352				352	0
Allowance for credit losses | Government Sector [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Expected Credit Loss Allowance for Credit Losses				0	0
Adjustment for the adoption of ASU 2016-13					0
Provision for credit losses					0
Allowance on purchased financial assets with credit deterioration					0
Charge-offs					0
Recoveries					0
CECL Reserve	0				0	0
Allowance for credit losses | Financial Services Sector [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Expected Credit Loss Allowance for Credit Losses				0	0
Adjustment for the adoption of ASU 2016-13					40
Provision for credit losses					(40)
Allowance on purchased financial assets with credit deterioration					0
Charge-offs					0
Recoveries					0
CECL Reserve	0				0	0
Allowance for credit losses | Securities Issued By State and Political Subdivision [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Expected Credit Loss Allowance for Credit Losses				0	0
Adjustment for the adoption of ASU 2016-13					1
Provision for credit losses					1
Allowance on purchased financial assets with credit deterioration					0
Charge-offs					0
Recoveries					0
CECL Reserve	2				2	0
Allowance for credit losses | Corporate Securities [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Expected Credit Loss Allowance for Credit Losses				$ 0	0
Adjustment for the adoption of ASU 2016-13					409
Provision for credit losses					(59)
Allowance on purchased financial assets with credit deterioration					0
Charge-offs					0
Recoveries					0
CECL Reserve	$ 350				$ 350	$ 0

Investment Securities - Amort_3

Investment Securities - Amortized cost of debt securities categorized as held-to-maturity aggregated by credit quality (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Financing Receivable, Credit Quality Indicator [Line Items]
Total	$ 179,637
AAA or equivalent
Financing Receivable, Credit Quality Indicator [Line Items]
Total	42,476
AA or equivalent, including securities issued by the United States Government or Government Sponsored Enterprises
Financing Receivable, Credit Quality Indicator [Line Items]
Total	49,479
A or equivalent
Financing Receivable, Credit Quality Indicator [Line Items]
Total	19,021
BBB or equivalent
Financing Receivable, Credit Quality Indicator [Line Items]
Total	16,304
BB or equivalent
Financing Receivable, Credit Quality Indicator [Line Items]
Total	983
Unrated
Financing Receivable, Credit Quality Indicator [Line Items]
Total	$ 51,374

Investment Securities - Gross R

Investment Securities - Gross Realized Gains (Losses) on Sale of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Gain (Loss) on Sale of Investments [Abstract]
Realized gains on investments	$ 2,022	$ 37
Realized losses on investments	(1,960)	(206)
Total Net realized gains (losses)	$ 62	$ (169)

Loans - Major Classification of

Loans - Major Classification of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 897,781	$ 898,754
Less net deferred loan fees	574	1,000
Less allowance for credit losses	15,975	15,319
Loans receivable, net	881,232	882,435
Residential Mortgage Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	258,959	262,760
Less allowance for credit losses	2,466
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	257,604	257,656
Residential Mortgage Loans [Member] | Construction [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	1,355	5,085
Residential Mortgage Loans [Member] | Loans Held For Sale [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	0	19
Commercial Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	524,167	509,136
Commercial Loans [Member] | Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	358,707	345,330
Less allowance for credit losses	5,751
Commercial Loans [Member] | Lines of Credit [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	72,069	82,050
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	89,803	77,273
Commercial Loans [Member] | Tax Exempt Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	3,430	4,280
Commercial Loans [Member] | Paycheck Protection Program loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	158	203
Consumer Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	114,655	126,858
Less net deferred loan fees	574
Less allowance for credit losses	2,802
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	34,858	34,007
Consumer Loans [Member] | Other Consumer [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 79,797	$ 92,851

Loans - Major Classification _2

Loans - Major Classification of Loans (Parenthetical) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 897,781	$ 898,754
Net deferred loan fees	$ (574)	$ (1,000)

Loans - Additional Information

Loans - Additional Information (Details)	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($) Segment	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Dec. 31, 2023 Loan	Dec. 31, 2023 Segment
Accounts Notes And Loans Receivable [Line Items]
Number of loans outstanding		4,063			9,505	3,093
Total loans	$ 897,781,000	$ 898,754,000
Residential mortgage loans pledged to FHLBNY as blanket collateral	881,232,000	882,435,000
Notes, Loans and Financing Receivable, Net [Abstract]
Ninety days past due and still accruing interest	0	0
Residential Mortgage Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of loans outstanding | Loan					2,522
Total loans	258,959,000	262,760,000
Residential Mortgage Loans [Member] | Asset Pledged as Collateral [Member]
Accounts Notes And Loans Receivable [Line Items]
Residential mortgage loans pledged to FHLBNY as blanket collateral	$ 113,600,000	$ 110,300,000
Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Percentage of total loan portfolio	72.70%	71.40%
Minimum [Member] | Residential Mortgage Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 0
Maximum [Member] | Residential Mortgage Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,871,000
Unusual or Infrequent Item, or Both | PPP Loan [Member]
Accounts Notes And Loans Receivable [Line Items]
Loan origination fees			$ 4,000,000	$ 4,000,000
Unusual or Infrequent Item, or Both | PPP Loan [Member] | Interest Income [Member]
Accounts Notes And Loans Receivable [Line Items]
Loan origination fees	$ 0	$ 707,000

Loans - Summary of Information

Loans - Summary of Information Related to Company's PPP Loans (Details) $ in Thousands	Dec. 31, 2023 USD ($)	Dec. 31, 2023 Loan	Dec. 31, 2023 Segment	Dec. 31, 2022 USD ($) Segment
Accounts Notes And Loans Receivable [Line Items]
Number Of Loans Outstanding		9,505	3,093	4,063
Total PPP loans remaining at December 31, 2022	$ 897,781			$ 898,754

Loans - Summary of Loan Portfol

Loans - Summary of Loan Portfolio by Collateral Type Within Major Categories (Details) $ in Thousands	Dec. 31, 2023 USD ($)	Dec. 31, 2023 Loan	Dec. 31, 2023	Dec. 31, 2023 Segment	Dec. 31, 2022 USD ($) Segment
Accounts Notes And Loans Receivable [Line Items]
Total Loans	$ 882,380
Total loans	897,781				$ 898,754
Number of Loans		9,505		3,093	4,063
Average Loan Balance	94
Unallocated allowance for loan losses	15,975				$ 15,319
Percent of Total Loans			100%
Net deferred loan fees	(574)				(1,000)
Number of loans outstanding net of deferred loan fees	0
Number of loans outstanding unallocated allowance for loan losses	0
Loans and leases receivable average loan balance deferred loan fees	0
Loans and leases receivable average loan balance unallocated allowance for loan losses	0
Loans and leases receivable allowance net deferred loan fees	0
Loans and leases receivable allowance for unallocated loan losses	0
Net deferred loan fees percentage			0%
Loans and leases receivable percent of unallocated allowance for loan losses			0%
Residential Mortgage Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	258,959				262,760
Number of Loans | Loan		2,522
Average Loan Balance	103
Unallocated allowance for loan losses	2,466
Percent of Total Loans			29%
Residential Mortgage Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Residential Mortgage Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,871
Commercial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	524,167				509,136
Commercial and Industrial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	161,872
Number of Loans | Loan		885
Average Loan Balance	183
Unallocated allowance for loan losses	4,955
Percent of Total Loans			18%
Commercial and Industrial Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Commercial and Industrial Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	5,000
Tax Exempt Loans [Member] | Commercial And Industrial Sector Member
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,430
Number of Loans | Loan		10
Average Loan Balance	343
Unallocated allowance for loan losses	1
Percent of Total Loans			0%
Tax Exempt Loans [Member] | Minimum [Member] | Commercial And Industrial Sector Member
Accounts Notes And Loans Receivable [Line Items]
Total loans	6
Tax Exempt Loans [Member] | Maximum [Member] | Commercial And Industrial Sector Member
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,215
Paycheck Protection Program loans [Member] | Commercial And Industrial Sector Member
Accounts Notes And Loans Receivable [Line Items]
Total loans	158
Number of Loans | Loan		5
Average Loan Balance	32
Unallocated allowance for loan losses	0
Percent of Total Loans			0%
Paycheck Protection Program loans [Member] | Minimum [Member] | Commercial And Industrial Sector Member
Accounts Notes And Loans Receivable [Line Items]
Total loans	4
Paycheck Protection Program loans [Member] | Maximum [Member] | Commercial And Industrial Sector Member
Accounts Notes And Loans Receivable [Line Items]
Total loans	77
Consumer Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	114,655				126,858
Number of Loans | Loan		5,524
Average Loan Balance	21
Unallocated allowance for loan losses	2,802
Percent of Total Loans			13%
Net deferred loan fees	(574)
Consumer Loans [Member] | Vehicle [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	11,032
Number of Loans | Loan		1,417
Average Loan Balance	8
Unallocated allowance for loan losses	297
Percent of Total Loans			1%
Consumer Loans [Member] | Consumer Secured [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	29,523
Number of Loans | Loan		545
Average Loan Balance	54
Unallocated allowance for loan losses	794
Percent of Total Loans			3%
Consumer Loans [Member] | Consumer Unsecured [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	37,767
Number of Loans | Loan		1,940
Average Loan Balance	19
Unallocated allowance for loan losses	1,015
Percent of Total Loans			5%
Consumer Loans [Member] | All Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,475
Number of Loans | Loan		596
Average Loan Balance	2
Unallocated allowance for loan losses	40
Percent of Total Loans			0%
Consumer Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Consumer Loans [Member] | Minimum [Member] | Consumer Secured [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	8
Consumer Loans [Member] | Minimum [Member] | Consumer Unsecured [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Consumer Loans [Member] | Minimum [Member] | All Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Consumer Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	985
Consumer Loans [Member] | Maximum [Member] | Vehicle [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	410
Consumer Loans [Member] | Maximum [Member] | Consumer Secured [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	42
Consumer Loans [Member] | Maximum [Member] | Consumer Unsecured [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	54
Consumer Loans [Member] | Maximum [Member] | All Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	88
Real Estate [Member] | Commercial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	358,707				$ 345,330
Number of Loans | Loan		559
Average Loan Balance	642
Unallocated allowance for loan losses	5,751
Percent of Total Loans			40%
Real Estate [Member] | Commercial Loans [Member] | Multi Family (5 or More) [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	75,741
Number of Loans | Loan		66
Average Loan Balance	1,148
Unallocated allowance for loan losses	1,214
Percent of Total Loans			8%
Real Estate [Member] | Commercial Loans [Member] | Mixed Use [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	50,022
Number of Loans | Loan		59
Average Loan Balance	848
Unallocated allowance for loan losses	802
Percent of Total Loans			6%
Real Estate [Member] | Commercial Loans [Member] | Office Space [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	38,824
Number of Loans | Loan		70
Average Loan Balance	555
Unallocated allowance for loan losses	622
Percent of Total Loans			4%
Real Estate [Member] | Commercial Loans [Member] | Hotels and Motels [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	29,524
Number of Loans | Loan		9
Average Loan Balance	3,280
Unallocated allowance for loan losses	473
Percent of Total Loans			3%
Real Estate [Member] | Commercial Loans [Member] | 1-4 Family [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	25,089
Number of Loans | Loan		167
Average Loan Balance	150
Unallocated allowance for loan losses	402
Percent of Total Loans			3%
Real Estate [Member] | Commercial Loans [Member] | Retail Space [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	22,721
Number of Loans | Loan		47
Average Loan Balance	483
Unallocated allowance for loan losses	364
Percent of Total Loans			3%
Real Estate [Member] | Commercial Loans [Member] | Recreation/Golf Course/Marina [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	19,290
Number of Loans | Loan		19
Average Loan Balance	1,015
Unallocated allowance for loan losses	309
Percent of Total Loans			2%
Real Estate [Member] | Commercial Loans [Member] | Auto Dealership [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	13,259
Number of Loans | Loan		10
Average Loan Balance	1,326
Unallocated allowance for loan losses	213
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Nursing Home [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	11,900
Number of Loans | Loan		2
Average Loan Balance	5,950
Unallocated allowance for loan losses	191
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Self Storage/Mini Storage [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	11,892
Number of Loans | Loan		3
Average Loan Balance	3,964
Unallocated allowance for loan losses	191
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Manufacturing/Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	9,634
Number of Loans | Loan		17
Average Loan Balance	567
Unallocated allowance for loan losses	154
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Warehouse [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	7,304
Number of Loans | Loan		13
Average Loan Balance	562
Unallocated allowance for loan losses	117
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Assisted Living [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	7,180
Number of Loans | Loan		1
Average Loan Balance	7,180
Unallocated allowance for loan losses	115
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Restaurant [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	5,793
Number of Loans | Loan		23
Average Loan Balance	252
Unallocated allowance for loan losses	93
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Auto Repair [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	5,696
Number of Loans | Loan		13
Average Loan Balance	438
Unallocated allowance for loan losses	91
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Hospitals [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,755
Number of Loans | Loan		3
Average Loan Balance	1,585
Unallocated allowance for loan losses	76
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Property for Community Service [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,121
Number of Loans | Loan		3
Average Loan Balance	1,040
Unallocated allowance for loan losses	50
Percent of Total Loans			0%
Real Estate [Member] | Commercial Loans [Member] | All Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	9,412
Number of Loans | Loan		25
Average Loan Balance	376
Unallocated allowance for loan losses	151
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Land [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	7,550
Number of Loans | Loan		9
Average Loan Balance	839
Unallocated allowance for loan losses	121
Percent of Total Loans			1%
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Multi Family (5 or More) [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	17
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Mixed Use [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	17
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Office Space [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	19
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Hotels and Motels [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	193
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | 1-4 Family [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Retail Space [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	18
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Recreation/Golf Course/Marina [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	77
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Auto Dealership [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Nursing Home [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,800
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Self Storage/Mini Storage [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	48
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Manufacturing/Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	51
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Warehouse [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	52
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Assisted Living [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	7,180
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Restaurant [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	32
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Auto Repair [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	39
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Hospitals [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	45
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Property for Community Service [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	94
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | All Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	8
Real Estate [Member] | Commercial Loans [Member] | Minimum [Member] | Land [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	38
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	11,500
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Multi Family (5 or More) [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	8,530
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Mixed Use [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	5,951
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Office Space [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,037
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Hotels and Motels [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	11,500
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | 1-4 Family [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,407
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Retail Space [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,756
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Recreation/Golf Course/Marina [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,543
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Auto Dealership [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	5,084
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Nursing Home [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	8,100
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Self Storage/Mini Storage [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	11,428
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Manufacturing/Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,356
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Warehouse [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,311
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Assisted Living [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	7,180
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Restaurant [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,056
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Auto Repair [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,054
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Hospitals [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,973
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Property for Community Service [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,580
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | All Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,583
Real Estate [Member] | Commercial Loans [Member] | Maximum [Member] | Land [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,753
Secured Term Loans [Member] | Commercial and Industrial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	78,928
Number of Loans | Loan		384
Average Loan Balance	206
Unallocated allowance for loan losses	1,471
Percent of Total Loans			9%
Secured Term Loans [Member] | Commercial and Industrial Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Secured Term Loans [Member] | Commercial and Industrial Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,019
Unsecured Term Loans [Member] | Commercial and Industrial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	10,875
Number of Loans | Loan		89
Average Loan Balance	122
Unallocated allowance for loan losses	203
Percent of Total Loans			1%
Unsecured Term Loans [Member] | Commercial and Industrial Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Unsecured Term Loans [Member] | Commercial and Industrial Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	920
Secured Lines Of Credit [Member] | Commercial and Industrial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	48,569
Number of Loans | Loan		264
Average Loan Balance	184
Unallocated allowance for loan losses	2,211
Percent of Total Loans			5%
Secured Lines Of Credit [Member] | Commercial and Industrial Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Secured Lines Of Credit [Member] | Commercial and Industrial Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	5,000
Unsecured Lines Of Credit [Member] | Commercial and Industrial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	23,500
Number of Loans | Loan		148
Average Loan Balance	159
Unallocated allowance for loan losses	1,070
Percent of Total Loans			3%
Unsecured Lines Of Credit [Member] | Commercial and Industrial Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Unsecured Lines Of Credit [Member] | Commercial and Industrial Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,000
Home Equity Lines of Credit [Member] | Consumer Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	34,858
Number of Loans | Loan		1,026
Average Loan Balance	34
Unallocated allowance for loan losses	657
Percent of Total Loans			4%
Home Equity Lines of Credit [Member] | Consumer Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	0
Home Equity Lines of Credit [Member] | Consumer Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 985

Loans - Summary of Purchased Lo

Loans - Summary of Purchased Loans Pools (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) Loan	Dec. 31, 2022 USD ($) Segment	Dec. 31, 2023 USD ($)	Dec. 31, 2023 Segment
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 230,200	$ 179,800
Current Balance		115,200	87,400
Unamortized Premium/ (Discount)		$ (7,004)	(6,504)
Number of Loans	9,505	4,063		3,093
Cumulative net charge-offs	$ 69	$ 310
Residential Mortgage [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		4,300	4,300
Current Balance		3,900	4,500
Unamortized Premium/ (Discount)		$ 240	284
Number of Loans | Segment		49		56
Purchased Commercial Line of Credit 1 [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 11,600	11,600
Current Balance		11,400	12,400
Unamortized Premium/ (Discount)		$ 14	2
Number of Loans | Segment		1		1
Purchased Commercial Line of Credit 2 [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 10,500	10,500
Current Balance		15,000	0
Unamortized Premium/ (Discount)		$ 23	0
Number of Loans | Segment		1		0
Unsecured Consumer Installment Loans Pool 3 [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 10,300	10,300
Current Balance		1,000	500
Unamortized Premium/ (Discount)		$ 38	17
Number of Loans | Segment		354		158
Cumulative net charge-offs	$ 69	$ 63
Secured Consumer Installment Loans Pool 4 [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		14,500	14,500
Current Balance		11,300	10,600
Unamortized Premium/ (Discount)		$ (1,484)	(1,252)
Number of Loans | Segment		518		499
Home Equity Line of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 21,900	21,900
Current Balance		6,000	4,500
Unamortized Premium/ (Discount)		$ 189	108
Number of Loans | Segment		143		159
Automobile Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 50,400
Current Balance		4,200
Unamortized Premium/ (Discount)		$ 128
Number of Loans | Segment		537
Cumulative net charge-offs		$ 247
Consumer Loan Pool 1 [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		5,400	5,400
Current Balance		$ 1,600	1,000
Number of Loans | Segment		50		46
Consumer Loan Pool 2 [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 26,600	26,600
Current Balance		1,500	500
Unamortized Premium/ (Discount)		$ 11	2
Number of Loans | Segment		320		167
Consumer Loan Pool 5 [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 24,400	24,400
Current Balance		17,300	15,600
Unamortized Premium/ (Discount)		$ (485)	(450)
Number of Loans | Segment		678		644
Consumer Loan Pool 6 [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 22,200	22,200
Current Balance		20,200	18,200
Unamortized Premium/ (Discount)		$ (2,441)	(2,292)
Number of Loans | Segment		540		522
Commercial and Industrial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 6,800	6,800
Current Balance		$ 2,100	1,600
Number of Loans | Segment		22		20
Secured Consumer Installment Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Original Balance		$ 21,300	21,300
Current Balance		19,700	18,000
Unamortized Premium/ (Discount)		$ (3,237)	$ (2,923)
Number of Loans | Segment		850		821
Minimum [Member] | Residential Mortgage [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	17 years	16 years
Minimum [Member] | Purchased Commercial Line of Credit 1 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	0 years	0 years
Minimum [Member] | Purchased Commercial Line of Credit 2 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range		0 years
Minimum [Member] | Unsecured Consumer Installment Loans Pool 3 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	0 years	0 years
Minimum [Member] | Secured Consumer Installment Loans Pool 4 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	21 years	23 years
Minimum [Member] | Home Equity Line of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	1 year	1 year
Minimum [Member] | Automobile Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range		0 years
Minimum [Member] | Consumer Loan Pool 1 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	1 year	1 year
Minimum [Member] | Consumer Loan Pool 2 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	0 years	0 years
Minimum [Member] | Consumer Loan Pool 5 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	7 years	8 years
Minimum [Member] | Consumer Loan Pool 6 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	7 years	8 years
Minimum [Member] | Commercial and Industrial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	2 years	3 years
Minimum [Member] | Secured Consumer Installment Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	17 years	18 years
Maximum [Member] | Residential Mortgage [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	25 years	22 years
Maximum [Member] | Purchased Commercial Line of Credit 1 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	1 year	1 year
Maximum [Member] | Purchased Commercial Line of Credit 2 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range		1 year
Maximum [Member] | Unsecured Consumer Installment Loans Pool 3 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	9 years	9 years
Maximum [Member] | Secured Consumer Installment Loans Pool 4 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	25 years	24 years
Maximum [Member] | Home Equity Line of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	26 years	27 years
Maximum [Member] | Automobile Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range		4 years
Maximum [Member] | Consumer Loan Pool 1 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	3 years	4 years
Maximum [Member] | Consumer Loan Pool 2 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	2 years	2 years
Maximum [Member] | Consumer Loan Pool 5 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	22 years	24 years
Maximum [Member] | Consumer Loan Pool 6 [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	24 years	24 years
Maximum [Member] | Commercial and Industrial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	6 years	7 years
Maximum [Member] | Secured Consumer Installment Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity Range	24 years	25 years

Loans - Credit Quality Indicato

Loans - Credit Quality Indicator (Details)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Recorded Investment [Line Items]
Number of days past due before a loan is classified as Special Mention	60 days	60 days
Residential Mortgage and Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Number of days past due before a loan is classified as Substandard	90 days	90 days

Loans - Summary of Classes of L

Loans - Summary of Classes of Loan Portfolio (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Recorded Investment [Line Items]
Total loans	$ 897,781	$ 898,754
Net deferred loan fees	(574)	(1,000)
Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	897,207
Residential Mortgage Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	258,959	262,760
Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	524,167	509,136
Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	114,655	126,858
Net deferred loan fees	(574)
Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	86,989
Consumer Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	8,771
Consumer Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Net deferred loan fees	(344)
Consumer Loans [Member] | Prior [Member] | Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	207,593
Consumer Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Net deferred loan fees	93
Consumer Loans [Member] | 2019 [Member] | Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	80,852
Consumer Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Net deferred loan fees	(82)
Consumer Loans [Member] | 2020 [Member] | Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	79,176
Consumer Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Net deferred loan fees	(12)
Consumer Loans [Member] | 2021 [Member] | Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	122,717
Consumer Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Net deferred loan fees	60
Consumer Loans [Member] | 2022 [Member] | Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	137,573
Consumer Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Net deferred loan fees	(289)
Consumer Loans [Member] | 2023 [Member] | Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	173,536
1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	257,604	257,656
1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	96,512
1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	18,949
1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	40,383
1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	52,766
1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	31,591
1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	17,403
Construction [Member] | Residential Mortgage Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,355	5,085
Construction [Member] | Residential Mortgage Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Construction [Member] | Residential Mortgage Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Construction [Member] | Residential Mortgage Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Construction [Member] | Residential Mortgage Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Construction [Member] | Residential Mortgage Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Construction [Member] | Residential Mortgage Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Construction [Member] | Residential Mortgage Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,355
Loans Held For Sale [Member] | Residential Mortgage Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0	19
Real Estate [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	358,707	345,330
Real Estate [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Real Estate [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Real Estate [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	90,258
Real Estate [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	51,666
Real Estate [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	29,961
Real Estate [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	57,734
Real Estate [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	82,259
Real Estate [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	46,829
Lines of Credit [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	72,069	82,050
Lines of Credit [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	63,996
Lines of Credit [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	8,073
Lines of Credit [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Lines of Credit [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Lines of Credit [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Lines of Credit [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Lines of Credit [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Lines of Credit [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Other Commercial and Industrial [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	89,803	77,273
Other Commercial and Industrial [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	4,195
Other Commercial and Industrial [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Other Commercial and Industrial [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	14,356
Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	8,039
Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	6,362
Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	7,634
Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	17,859
Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	31,358
Tax Exempt Loans [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	3,430	4,280
Tax Exempt Loans [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	3,168
Tax Exempt Loans [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	6
Tax Exempt Loans [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	151
Tax Exempt Loans [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	105
Paycheck Protection Program loans [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	158	203
Paycheck Protection Program loans [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	158
Home Equity and Junior Liens [Member] | Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	34,858	34,007
Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	18,798
Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	698
Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	2,283
Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	559
Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	853
Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,470
Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,880
Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	8,317
Other Consumer [Member] | Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	79,797	92,851
Other Consumer [Member] | Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Other Consumer [Member] | Consumer Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,360
Other Consumer [Member] | Consumer Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,540
Other Consumer [Member] | Consumer Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,390
Other Consumer [Member] | Consumer Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	3,125
Other Consumer [Member] | Consumer Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	3,924
Other Consumer [Member] | Consumer Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	68,458
Paycheck Protection Program [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	158	$ 203
Pass | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	252,560
Pass | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	94,594
Pass | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	18,491
Pass | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	39,454
Pass | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	51,027
Pass | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	31,591
Pass | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	17,403
Pass | Construction [Member] | Residential Mortgage Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,355
Pass | Construction [Member] | Residential Mortgage Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Construction [Member] | Residential Mortgage Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Construction [Member] | Residential Mortgage Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Construction [Member] | Residential Mortgage Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Construction [Member] | Residential Mortgage Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Construction [Member] | Residential Mortgage Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Construction [Member] | Residential Mortgage Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,355
Pass | Real Estate [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	332,671
Pass | Real Estate [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Real Estate [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Real Estate [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	85,218
Pass | Real Estate [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	51,270
Pass | Real Estate [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	29,222
Pass | Real Estate [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	55,395
Pass | Real Estate [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	67,743
Pass | Real Estate [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	43,823
Pass | Lines of Credit [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	69,965
Pass | Lines of Credit [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	62,824
Pass | Lines of Credit [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	7,141
Pass | Lines of Credit [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Lines of Credit [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Lines of Credit [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Lines of Credit [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Lines of Credit [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Lines of Credit [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Other Commercial and Industrial [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	80,183
Pass | Other Commercial and Industrial [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	4,195
Pass | Other Commercial and Industrial [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Other Commercial and Industrial [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	11,994
Pass | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	7,828
Pass | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	5,541
Pass | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	6,457
Pass | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	16,735
Pass | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	27,433
Pass | Tax Exempt Loans [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	3,430
Pass | Tax Exempt Loans [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	3,168
Pass | Tax Exempt Loans [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	6
Pass | Tax Exempt Loans [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	151
Pass | Tax Exempt Loans [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	105
Pass | Paycheck Protection Program loans [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	158
Pass | Paycheck Protection Program loans [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	158
Pass | Home Equity and Junior Liens [Member] | Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	34,107
Pass | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	18,177
Pass | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	689
Pass | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	2,228
Pass | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	559
Pass | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	853
Pass | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,404
Pass | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,880
Pass | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	8,317
Pass | Other Consumer [Member] | Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	79,670
Pass | Other Consumer [Member] | Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Pass | Other Consumer [Member] | Consumer Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,340
Pass | Other Consumer [Member] | Consumer Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,536
Pass | Other Consumer [Member] | Consumer Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,381
Pass | Other Consumer [Member] | Consumer Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	3,103
Pass | Other Consumer [Member] | Consumer Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	3,876
Pass | Other Consumer [Member] | Consumer Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	68,434
Special Mention [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	2,692
Special Mention [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	349
Special Mention [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	176
Special Mention [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	566
Special Mention [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,601
Special Mention [Member] | Construction [Member] | Residential Mortgage Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Construction [Member] | Residential Mortgage Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Real Estate [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	14,813
Special Mention [Member] | Real Estate [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Real Estate [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Real Estate [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	797
Special Mention [Member] | Real Estate [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	14,016
Special Mention [Member] | Lines of Credit [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	816
Special Mention [Member] | Lines of Credit [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	654
Special Mention [Member] | Lines of Credit [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	162
Special Mention [Member] | Lines of Credit [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	2,805
Special Mention [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	67
Special Mention [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	248
Special Mention [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	2,490
Special Mention [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	35
Special Mention [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	20
Special Mention [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	9
Special Mention [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	6
Special Mention [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Other Consumer [Member] | Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	100
Special Mention [Member] | Other Consumer [Member] | Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Special Mention [Member] | Other Consumer [Member] | Consumer Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	15
Special Mention [Member] | Other Consumer [Member] | Consumer Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	4
Special Mention [Member] | Other Consumer [Member] | Consumer Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	9
Special Mention [Member] | Other Consumer [Member] | Consumer Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	14
Special Mention [Member] | Other Consumer [Member] | Consumer Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	34
Special Mention [Member] | Other Consumer [Member] | Consumer Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	24
Substandard [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,797
Substandard [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,168
Substandard [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	282
Substandard [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	209
Substandard [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	138
Substandard [Member] | Construction [Member] | Residential Mortgage Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Construction [Member] | Residential Mortgage Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Real Estate [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	11,065
Substandard [Member] | Real Estate [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Real Estate [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Real Estate [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	4,085
Substandard [Member] | Real Estate [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	396
Substandard [Member] | Real Estate [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	739
Substandard [Member] | Real Estate [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	2,339
Substandard [Member] | Real Estate [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	500
Substandard [Member] | Real Estate [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	3,006
Substandard [Member] | Lines of Credit [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,276
Substandard [Member] | Lines of Credit [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	518
Substandard [Member] | Lines of Credit [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	758
Substandard [Member] | Lines of Credit [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	5,410
Substandard [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	2,362
Substandard [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	211
Substandard [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	754
Substandard [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	929
Substandard [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,124
Substandard [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	30
Substandard [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	716
Substandard [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	601
Substandard [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	49
Substandard [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	66
Substandard [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Other Consumer [Member] | Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	27
Substandard [Member] | Other Consumer [Member] | Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Other Consumer [Member] | Consumer Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	5
Substandard [Member] | Other Consumer [Member] | Consumer Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Other Consumer [Member] | Consumer Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Substandard [Member] | Other Consumer [Member] | Consumer Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	8
Substandard [Member] | Other Consumer [Member] | Consumer Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	14
Substandard [Member] | Other Consumer [Member] | Consumer Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	555
Doubtful [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	401
Doubtful [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	154
Doubtful [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Residential Mortgage Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Construction [Member] | Residential Mortgage Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Construction [Member] | Residential Mortgage Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Construction [Member] | Residential Mortgage Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Real Estate [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	158
Doubtful [Member] | Real Estate [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Real Estate [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Real Estate [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	158
Doubtful [Member] | Lines of Credit [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	12
Doubtful [Member] | Lines of Credit [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Lines of Credit [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	12
Doubtful [Member] | Lines of Credit [Member] | Commercial Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Lines of Credit [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,405
Doubtful [Member] | Other Commercial and Industrial [Member] | Commercial Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,405
Doubtful [Member] | Tax Exempt Loans [Member] | Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Tax Exempt Loans [Member] | Commercial Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Tax Exempt Loans [Member] | Commercial Loans [Member] | Revolving Loans Converted To Term Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | Prior [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2019 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2020 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2021 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2022 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Home Equity and Junior Liens [Member] | Consumer Loans [Member] | 2023 [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Doubtful [Member] | Other Consumer [Member] | Consumer Loans [Member] | Revolving Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	$ 0

Loans - Age Analysis of Past Du

Loans - Age Analysis of Past Due Loans Segregated by Portfolio Segment and Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	$ 897,781	$ 898,754
30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	13,568	13,016
60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,199	4,313
90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	17,227	8,650
Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	33,994	25,979
Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	863,787	872,775
Residential Mortgage Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	258,959	262,760
Residential Mortgage Loans [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,462	1,627
Residential Mortgage Loans [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,269	620
Residential Mortgage Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,770	932
Residential Mortgage Loans [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	5,501	3,179
Residential Mortgage Loans [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	253,458	259,581
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	257,604	257,656
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,462	1,627
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,269	620
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,770	932
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	5,501	3,179
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	252,103	254,477
Residential Mortgage Loans [Member] | Construction [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	1,355	5,085
Residential Mortgage Loans [Member] | Construction [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Construction [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Construction [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Construction [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Construction [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,355	5,085
Residential Mortgage Loans [Member] | Loans Held For Sale [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	0	19
Residential Mortgage Loans [Member] | Loans Held For Sale [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Loans Held For Sale [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Loans Held For Sale [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Loans Held For Sale [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Loans Held For Sale [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	19
Commercial Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	524,167	509,136
Commercial Loans [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	10,912	10,975
Commercial Loans [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	518	3,437
Commercial Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	12,317	5,535
Commercial Loans [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	23,747	19,947
Commercial Loans [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	500,420	489,189
Commercial Loans [Member] | Real Estate [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	358,707	345,330
Commercial Loans [Member] | Real Estate [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	5,385	4,974
Commercial Loans [Member] | Real Estate [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	196	854
Commercial Loans [Member] | Real Estate [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	5,053	3,499
Commercial Loans [Member] | Real Estate [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	10,634	9,327
Commercial Loans [Member] | Real Estate [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	348,073	336,003
Commercial Loans [Member] | Lines of Credit [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	72,069	82,050
Commercial Loans [Member] | Lines of Credit [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	180	1,280
Commercial Loans [Member] | Lines of Credit [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	1,584
Commercial Loans [Member] | Lines of Credit [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	924	298
Commercial Loans [Member] | Lines of Credit [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,104	3,162
Commercial Loans [Member] | Lines of Credit [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	70,965	78,888
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	89,803	77,273
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	5,347	4,721
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	322	999
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	6,340	1,738
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	12,009	7,458
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	77,794	69,815
Commercial Loans [Member] | Tax Exempt Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	3,430	4,280
Commercial Loans [Member] | Tax Exempt Loans [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Tax Exempt Loans [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Tax Exempt Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Tax Exempt Loans [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Tax Exempt Loans [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,430	4,280
Commercial Loans [Member] | Paycheck Protection Program loans [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	158	203
Commercial Loans [Member] | Paycheck Protection Program loans [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Paycheck Protection Program loans [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Paycheck Protection Program loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Paycheck Protection Program loans [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Paycheck Protection Program loans [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	158	203
Consumer Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	114,655	126,858
Consumer Loans [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,194	414
Consumer Loans [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	412	256
Consumer Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,140	2,183
Consumer Loans [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	4,746	2,853
Consumer Loans [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	109,909	124,005
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	34,858	34,007
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	210	23
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	29	17
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	192	279
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	431	319
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	34,427	33,688
Consumer Loans [Member] | Other Consumer [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	79,797	92,851
Consumer Loans [Member] | Other Consumer [Member] | 30-59 Days Past Due and Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	984	391
Consumer Loans [Member] | Other Consumer [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	383	239
Consumer Loans [Member] | Other Consumer [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,948	1,904
Consumer Loans [Member] | Other Consumer [Member] | Total Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	4,315	2,534
Consumer Loans [Member] | Other Consumer [Member] | Current [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 75,482	$ 90,317

Loans - Nonaccrual Loans Segreg

Loans - Nonaccrual Loans Segregated by Class of Loan (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	$ 17,227	$ 9,015
Residential Mortgage Loans [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	12,317	5,720
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,770	1,112
Commercial Loans [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,770	1,112
Commercial Loans [Member] | Real Estate [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	5,053	3,504
Commercial Loans [Member] | Lines of Credit [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	924	332
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	6,340	1,884
Consumer Loans [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	3,140	2,183
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	192	279
Consumer Loans [Member] | Other Consumer [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	$ 2,948	$ 1,904

Loans - Summary of Impaired Loa

Loans - Summary of Impaired Loans Information by Portfolio Class (Details) $ in Thousands	Dec. 31, 2022 USD ($)
With an allowance recorded [Abstract]
Less: Allowance for credit losses	$ 4,793
Total [Abstract]
Recorded Investment	20,179
Unpaid Principal Balance	20,338
Less: Allowance for credit losses	4,793
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
With no related allowance recorded [Abstract]
Recorded Investment	1,048
Unpaid Principal Balance	1,048
With an allowance recorded [Abstract]
Recorded Investment	450
Unpaid Principal Balance	450
Less: Allowance for credit losses	91
Total [Abstract]
Recorded Investment	1,498
Unpaid Principal Balance	1,498
Less: Allowance for credit losses	91
Commercial Loans [Member] | Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded Investment	5,283
Unpaid Principal Balance	5,386
With an allowance recorded [Abstract]
Recorded Investment	2,625
Unpaid Principal Balance	2,625
Less: Allowance for credit losses	346
Total [Abstract]
Recorded Investment	7,908
Unpaid Principal Balance	8,011
Less: Allowance for credit losses	346
Commercial Loans [Member] | Lines of Credit [Member]
With no related allowance recorded [Abstract]
Recorded Investment	2,218
Unpaid Principal Balance	2,218
With an allowance recorded [Abstract]
Recorded Investment	3,059
Unpaid Principal Balance	3,066
Less: Allowance for credit losses	2,957
Total [Abstract]
Recorded Investment	5,277
Unpaid Principal Balance	5,284
Less: Allowance for credit losses	2,957
Commercial Loans [Member] | Other Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Recorded Investment	2,780
Unpaid Principal Balance	2,829
With an allowance recorded [Abstract]
Recorded Investment	1,998
Unpaid Principal Balance	1,998
Less: Allowance for credit losses	1,285
Total [Abstract]
Recorded Investment	4,778
Unpaid Principal Balance	4,827
Less: Allowance for credit losses	1,285
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
With no related allowance recorded [Abstract]
Recorded Investment	182
Unpaid Principal Balance	182
With an allowance recorded [Abstract]
Recorded Investment	536
Unpaid Principal Balance	536
Less: Allowance for credit losses	114
Total [Abstract]
Recorded Investment	718
Unpaid Principal Balance	718
Less: Allowance for credit losses	$ 114

Loans - Summary of Average Reco

Loans - Summary of Average Recorded Investment (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment in impaired loans	$ 14,270
1-4 Family First Lien Residential Mortgages [Member]
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment in impaired loans	1,232
Commercial Real Estate [Member]
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment in impaired loans	7,285
Commercial Lines of Credit [Member]
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment in impaired loans	1,951
Other Commercial and Industrial [Member]
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment in impaired loans	3,155
Home Equity and Junior Liens [Member]
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment in impaired loans	$ 647

Loans - Schedule of Cash Basis

Loans - Schedule of Cash Basis Interest Income Recognized on Impaired Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	$ 765
1-4 Family First Lien Residential Mortgages [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	65
Commercial Real Estate [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	247
Commercial Lines of Credit [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	143
Other Commercial and Industrial [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	304
Home Equity and Junior Liens [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	$ 6

Loans - Schedule of Changes in

Loans - Schedule of Changes in the Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended				12 Months Ended
	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Incurred loss model						$ 15,319
CECL transition adjustment						2,886
CECL ACL	$ 16,758	$ 19,754	$ 18,870	$ 18,205	$ 18,205
Charge-offs	(211)	(3,874)	(372)	(119)		(761)
Recoveries	103	45	116	92		391
PCL	267	833	1,140	692
CECL ACL	16,917	16,758	19,754	18,870	16,917	18,205
Total ACL - Loans [Member[
Financing Receivable, Allowance for Credit Loss [Line Items]
Incurred loss model						15,319
CECL transition adjustment						1,883
CECL ACL	15,765	18,796	17,867	17,202	17,202
Charge-offs	(211)	(3,874)	(372)	(119)
Recoveries	103	45	116	92
PCL	318	798	1,185	692
CECL ACL	15,975	15,765	18,796	17,867	15,975	17,202
ACL - Held-to-Maturity [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Incurred loss model
CECL transition adjustment						450
CECL ACL	426	421	450	450	450
Charge-offs
Recoveries
PCL	(74)	5	(29)
CECL ACL	352	426	421	450	352	450
Other Liabilities - Unfunded Commitments [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Incurred loss model
CECL transition adjustment						552
CECL ACL	566	536	552	552	552
Charge-offs
Recoveries
PCL	23	30	(16)
CECL ACL	589	566	536	552	589	552
Specifically Identified Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Incurred loss model						4,793
CECL transition adjustment
CECL ACL	3,528	4,486	3,861	3,328	3,328
Charge-offs		(1,650)	(263)
Recoveries
PCL	188	692	888	533
CECL ACL	3,716	3,528	4,486	3,861	3,716	3,328
Overdraft [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
CECL ACL	457	1,882	1,766	1,465	1,465
Charge-offs	(13)	(1,425)
Recoveries	80
PCL			116	301
CECL ACL	364	457	1,882	1,766	364	1,465
Pooled loans under ILM [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Incurred loss model						9,497
CECL transition adjustment						(9,497)
CECL ACL
Charge-offs
Recoveries
PCL
CECL ACL
Pooled - Quantitative [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
CECL transition adjustment						6,313
CECL ACL	5,710	6,447	6,575	6,313	6,313
Charge-offs	(198)	(799)	(109)	(100)
Recoveries	183	45	116	92
PCL	508	17	(135)	270
CECL ACL	6,203	5,710	6,447	6,575	6,203	6,313
Pooled - Qualitative [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
CECL transition adjustment						3,965
CECL ACL	3,944	3,855	3,568	3,965	3,965
Charge-offs
Recoveries
PCL	(378)	89	287	(397)
CECL ACL	3,566	3,944	3,855	3,568	3,566	3,965
Purchased [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Incurred loss model						1,029
CECL transition adjustment						1,102
CECL ACL	2,126	2,126	2,097	2,131	2,131
Charge-offs				(19)
Recoveries
PCL			29	(15)
CECL ACL	2,126	2,126	2,126	2,097	2,126	2,131
Unallocated [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Incurred loss model
CECL transition adjustment
CECL ACL
Charge-offs
Recoveries
PCL
CECL ACL

Loans - Schedule amortized cost

Loans - Schedule amortized cost of collateral dependent loans (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Financing Receivable Impaired [Line Items]
Amortized cost of collateral dependent loans	$ 20,981
Commercial and Industrial [Member]
Financing Receivable Impaired [Line Items]
Amortized cost of collateral dependent loans	7,788
Commercial Real Estate [Member]
Financing Receivable Impaired [Line Items]
Amortized cost of collateral dependent loans	11,814
Residential (1-4 family) First Mortgages [Member]
Financing Receivable Impaired [Line Items]
Amortized cost of collateral dependent loans	699
Home Equity Loans and Lines of Credit [Member]
Financing Receivable Impaired [Line Items]
Amortized cost of collateral dependent loans	599
Consumer Loans [Member]
Financing Receivable Impaired [Line Items]
Amortized cost of collateral dependent loans	$ 81

Allowance for Loan Losses - Cha

Allowance for Loan Losses - Changes in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands		3 Months Ended				12 Months Ended
		Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2023	Dec. 31, 2022
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					$ 15,319	$ 15,319	$ 12,935
Charge-offs		$ (211)	$ (3,874)	$ (372)	(119)		(761)
Recoveries		103	$ 45	$ 116	92		391
Tax effects after transition adjsutment						2,930	2,754
CECL Reserve							15,319
Ending balance: related to loans individually evaluated							4,793
Ending balance: related to loans collectively evaluated							10,526
Total Loans Receivable		897,781				897,781	898,754
Ending balance: individually evaluated							20,179
Ending balance: collectively evaluated							878,575
Paycheck Protection Program [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					0	0	0
Charge-offs						0	0
Tax effects after transition adjsutment						0
CECL Reserve		0				0	0
Ending balance: related to loans individually evaluated		0				0
Ending balance: related to loans collectively evaluated		0				0
Total Loans Receivable		158				158	203
Ending balance: individually evaluated		0				0	0
Ending balance: collectively evaluated		158				158	203
Unallocated [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses	[1]				0	0	984
Charge-offs	[1]						0
Recoveries	[1]						0
Tax effects after transition adjsutment	[1]						(984)
CECL Reserve		15,975				15,975	0	[1]
Ending balance: related to loans individually evaluated	[1]						0
Ending balance: related to loans collectively evaluated	[1]						0
Total Loans Receivable	[1]						19
Ending balance: individually evaluated	[1]						0
Ending balance: collectively evaluated	[1]						19
Residential Mortgage Loans [Member]
Allowance for loan losses:
Total Loans Receivable		258,959				258,959	262,760
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					714	714	872
Charge-offs						(121)	(29)
Adoption of New Accounting Standards						1,396
Recoveries						1
Tax effects after transition adjsutment						(382)	(129)
CECL Reserve		1,608				1,608	714
Ending balance: related to loans individually evaluated		138				138	91
Ending balance: related to loans collectively evaluated		1,470				1,470	623
Total Loans Receivable		257,604				257,604	257,656
Ending balance: individually evaluated		1,675				1,675	1,498
Ending balance: collectively evaluated		255,929				255,929	256,158
Residential Mortgage Loans [Member] | Residential Construction Mortgage [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					0	0	0
Charge-offs						0	0
Adoption of New Accounting Standards						969
Recoveries						0
Tax effects after transition adjsutment						111	0
CECL Reserve		858				858	0
Ending balance: related to loans individually evaluated		0				0	0
Ending balance: related to loans collectively evaluated		858				858	0
Total Loans Receivable		1,355				1,355	5,085
Ending balance: individually evaluated		0				0	0
Ending balance: collectively evaluated		1,355				1,355	5,085
Commercial Loans [Member]
Allowance for loan losses:
Total Loans Receivable		524,167				524,167	509,136
Commercial Loans [Member] | Real Estate [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					5,881	5,881	5,308
Charge-offs						0	(48)
Adoption of New Accounting Standards						(1,744)
Recoveries						23
Tax effects after transition adjsutment						1,591	371
CECL Reserve		5,751				5,751	5,881
Ending balance: related to loans individually evaluated		969				969	346
Ending balance: related to loans collectively evaluated		4,782				4,782	5,535
Total Loans Receivable		358,707				358,707	345,330
Ending balance: individually evaluated		12,314				12,314	7,908
Ending balance: collectively evaluated		346,393				346,393	337,422
Commercial Loans [Member] | Lines of Credit [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					3,990	3,990	935
Charge-offs						(1,247)	(51)
Adoption of New Accounting Standards						95
Recoveries						2	0
Tax effects after transition adjsutment						1,166	(3,106)
CECL Reserve		1,674				1,674	3,990
Ending balance: related to loans individually evaluated		844				844	2,957
Ending balance: related to loans collectively evaluated		830				830	1,033
Total Loans Receivable		72,069				72,069	82,050
Ending balance: individually evaluated		1,139				1,139	5,278
Ending balance: collectively evaluated		70,930				70,930	76,772
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					2,944	2,944	2,762
Charge-offs						(2,862)	(486)
Adoption of New Accounting Standards						10
Recoveries						211	46
Tax effects after transition adjsutment						2,978	622
CECL Reserve		3,281				3,281	2,944
Ending balance: related to loans individually evaluated		1,617				1,617	1,285
Ending balance: related to loans collectively evaluated		1,664				1,664	1,659
Total Loans Receivable		89,803				89,803	77,273
Ending balance: individually evaluated		6,749				6,749	4,777
Ending balance: collectively evaluated		83,054				83,054	72,496
Commercial Loans [Member] | Tax Exempt Loans [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					3	3	3
Charge-offs						0
Adoption of New Accounting Standards						14
Recoveries						0
Tax effects after transition adjsutment						(16)	0
CECL Reserve		1				1	3
Ending balance: related to loans individually evaluated		0				0	0
Ending balance: related to loans collectively evaluated		1				1	3
Total Loans Receivable		3,430				3,430	4,280
Ending balance: individually evaluated		0				0
Ending balance: collectively evaluated		3,430				3,430	4,280
Consumer Loans [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					15,319	15,319
Charge-offs						(4,576)
Adoption of New Accounting Standards						1,886
Recoveries						355
Tax effects after transition adjsutment						2,991
CECL Reserve		15,975				15,975	15,319
Ending balance: related to loans individually evaluated		3,716				3,716
Ending balance: related to loans collectively evaluated		12,259				12,259
Total Loans Receivable		114,655				114,655	126,858
Ending balance: individually evaluated		22,587				22,587
Ending balance: collectively evaluated		875,194				875,194
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					741	741	774
Charge-offs						(5)
Adoption of New Accounting Standards						(97)
Recoveries						0
Tax effects after transition adjsutment						(18)	33
CECL Reserve		657				657	741
Ending balance: related to loans individually evaluated		148				148	114
Ending balance: related to loans collectively evaluated		509				509	627
Total Loans Receivable		34,858				34,858	34,007
Ending balance: individually evaluated		710				710	718
Ending balance: collectively evaluated		34,148				34,148	33,289
Consumer Loans [Member] | Other Consumer [Member]
Allowance for loan losses:
Current Expected Credit Loss Allowance for Credit Losses					$ 1,046	1,046	1,297
Charge-offs						(341)	(147)
Adoption of New Accounting Standards						1,243
Recoveries						118	95
Tax effects after transition adjsutment						(79)	199
CECL Reserve		2,145				2,145	1,046
Ending balance: related to loans individually evaluated		0				0	0
Ending balance: related to loans collectively evaluated		2,145				2,145	1,046
Total Loans Receivable		79,797				79,797	92,851
Ending balance: individually evaluated		0				0	0
Ending balance: collectively evaluated		$ 79,797				$ 79,797	$ 92,851
[1] The ending balance of the loans receivable for the unallocated portion of the allowance includes loans held-for-sale. At December 31, 2022, the Bank had loans held-for-sale with a principal balance of $ 19,000 . These loans were still part of the portfolio as of December 31, 2022. Based on ASC 948, Mortgage Banking, loans shall be classified as held-for-sale once a decision has been made to sell the loans and shall be transferred to the held-for-sale category at lower of cost or fair value.

Allowance for Loan Losses - C_2

Allowance for Loan Losses - Changes in the Allowance for Loan Losses (Parenthetical) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Allowance For Credit Losses [Line Items]
Loans held-for-sale	$ 0	$ 19
Unallocated [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Loans held-for-sale		$ 19,000

Allowance for Loan Losses - Sch

Allowance for Loan Losses - Schedule of Allowance for Loan Losses on Basis of Calculation Methodology (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022		Dec. 31, 2021
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Total		$ 15,319		$ 12,935
Unallocated [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	$ 5,842	4,793
Historical loss rate	6,589	1,099
Qualitative factors	3,544	9,427
Total	15,975	0	[1]	984	[1]
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	137	91
Historical loss rate	1,537	5
Qualitative factors	(66)	618
Total	1,608	714		872
Residential Mortgage Loans [Member] | Residential Construction Mortgage [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	0	0
Historical loss rate	674	0
Qualitative factors	184	0
Total	858	0		0
Commercial Loans [Member] | Real Estate [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	969	346
Historical loss rate	2,645	(32)
Qualitative factors	2,137	5,567
Total	5,751	5,881		5,308
Commercial Loans [Member] | Lines of Credit [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	844	2,957
Historical loss rate	209	0
Qualitative factors	621	1,033
Total	1,674	3,990		935
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	1,617	1,285
Historical loss rate	1,026	97
Qualitative factors	638	1,562
Total	3,281	2,944		2,762
Commercial Loans [Member] | Tax Exempt Loans [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	0	0
Historical loss rate	1	0
Qualitative factors	0	3
Total	1	3		3
Consumer Loans [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Total	15,975	15,319
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	458	114
Historical loss rate	190	321
Qualitative factors	9	306
Total	657	741		774
Consumer Loans [Member] | Other Consumer [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	1,817	0
Historical loss rate	307	708
Qualitative factors	21	338
Total	$ 2,145	$ 1,046		$ 1,297
[1] The ending balance of the loans receivable for the unallocated portion of the allowance includes loans held-for-sale. At December 31, 2022, the Bank had loans held-for-sale with a principal balance of $ 19,000 . These loans were still part of the portfolio as of December 31, 2022. Based on ASC 948, Mortgage Banking, loans shall be classified as held-for-sale once a decision has been made to sell the loans and shall be transferred to the held-for-sale category at lower of cost or fair value.

Allowance for Loan Losses (Addi

Allowance for Loan Losses (Additional Information) (Details) - USD ($) $ in Thousands		12 Months Ended
	Jan. 01, 2023	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Transition Charge	$ 1,700
Allowance for Loan and Lease Losses, Period Increase (Decrease)	1,900
Tax effects after transition adjsutment		$ 2,930	$ 2,754
Current Expected Credit Loss
Financing Receivable, Allowance for Credit Loss [Line Items]
Transition Adjustment	2,100	$ 1,900
Transition Charge	$ 1,900

Servicing - Additional Informat

Servicing - Additional Information (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Unpaid principal balance of mortgage and other loans	$ 54,500,000	$ 52,200,000
Capitalized servicing rights	$ 330,000	$ 368,000

Servicing - Mortgage Servicing

Servicing - Mortgage Servicing Rights Capitalized and Amortized (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Servicing Asset [Abstract]
Mortgage servicing rights capitalized	$ 46	$ 64
Mortgage servicing rights amortized	$ 84	$ 75

Premises and Equipment - Summar

Premises and Equipment - Summary of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Premises and Equipment [Line Items]
Premises and equipment, gross	$ 42,092	$ 40,126
Less: Accumulated depreciation	23,651	22,254
Premises and equipment, net	18,441	17,872
Land [Member]
Premises and Equipment [Line Items]
Premises and equipment, gross	2,661	2,063
Buildings [Member]
Premises and Equipment [Line Items]
Premises and equipment, gross	20,784	20,406
Furniture, Fixtures and Equipment [Member]
Premises and Equipment [Line Items]
Premises and equipment, gross	17,889	17,337
Construction in Progress [Member]
Premises and Equipment [Line Items]
Premises and equipment, gross	$ 758	$ 320

Premises and Equipment - Additi

Premises and Equipment - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 1,397	$ 1,067

Foreclosed Real Estate - Summar

Foreclosed Real Estate - Summary of foreclosed real estate (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) Property	Dec. 31, 2022 USD ($) Property
Real Estate [Line Items]
Foreclosed Real Estate Expense	$ 111	$ 78
Foreclosed real estate	$ 151	$ 221
Real Estate [Member]
Real Estate [Line Items]
Number of properties | Property	4	2

Foreclosed Real Estate - Additi

Foreclosed Real Estate - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Real Estate Owned, Disclosure of Detailed Components [Abstract]
Loan on RealEstate Foreclosures	$ 1.3	$ 542,000

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Business Acquisition [Line Items]
Goodwill	$ 4,536,000	$ 4,536,000
Identifiable intangible asset	$ 85,000
Weighted average remaining amortization period of intangible asset	3 years 2 months 4 days
Branches [Member]
Business Acquisition [Line Items]
Goodwill acquired	$ 3,800,000
Fitzgibbons Agency [Member]
Business Acquisition [Line Items]
Goodwill acquired	$ 696,000

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets - Schedule of Gross Carrying Amount and Accumulated Amortization for Identifiable Intangible Asset (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Gross carrying amount and accumulated amortization for identifiable intangible asset [Abstract]
Gross carrying amount	$ 243	$ 243
Accumulated amortization	(158)	(142)
Net amortizing intangibles	$ 85	$ 101

Goodwill and Intangible Asset_4

Goodwill and Intangible Assets - Schedule of Estimated Amortization Expense for Each of the Five Succeeding Years (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Estimated amortization expense for each of the five succeeding years [Abstract]
2024	$ 16
2025	16
2026	16
2027	16
2028	16
Thereafter	5
Net amortizing intangibles	$ 85	$ 101

Deposits - Summary of Deposits

Deposits - Summary of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Summary of deposits [Abstract]
Savings accounts	$ 113,543	$ 134,880
Time accounts	377,570	314,109
Time accounts in excess of $250,000	95,272	71,696
Money management accounts	12,364	16,107
MMDA accounts	224,707	270,326
Demand deposit interest-bearing	119,321	127,395
Demand deposit noninterest-bearing	170,169	183,711
Mortgage escrow funds	7,121	7,206
Total deposits	$ 1,120,067	$ 1,125,430

Deposits - Scheduled Maturities

Deposits - Scheduled Maturities of Time Deposits (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Maturities of time deposits [Abstract]
2024	$ 324,531
2025	75,882
2026	44,404
2027	9,581
2028	17,950
Thereafter	494
Total	$ 472,842

Deposits - Summary of Deposit_2

Deposits - Summary of Deposits by Type (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deposits [Line Items]
Savings accounts	$ 113,543	$ 134,880
Time accounts	377,570	314,109
Time accounts of $250,000 or more	95,272	71,696
Money management accounts	12,364	16,107
MMDA accounts	224,707	270,326
Demand deposit interest-bearing	119,321	127,395
Demand deposit noninterest-bearing	170,169	183,711
Mortgage escrow funds	7,121	7,206
Total deposits	1,120,067	1,125,430
Nonbrokered [Member]
Deposits [Line Items]
Savings accounts	113,543	134,880
Time accounts	174,864	105,478
Time accounts of $250,000 or more	95,272	71,696
Money management accounts	12,364	16,107
MMDA accounts	224,707	270,326
Demand deposit interest-bearing	79,321	87,395
Demand deposit noninterest-bearing	170,169	183,711
Mortgage escrow funds	7,121	7,206
Total deposits	877,361	876,799
Brokered [Member]
Deposits [Line Items]
Time accounts	202,706	208,631
Demand deposit interest-bearing	40,000	40,000
Total deposits	$ 242,706	$ 248,631

Borrowed Funds - Composition of

Borrowed Funds - Composition of Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Short-term [Abstract]
FHLB advances	$ 125,680	$ 60,333
Total short-term borrowings	125,680	60,333
Long-term [Abstract]
FHLB advances	49,919	55,664
Total long-term borrowings	49,919	55,664
FHLB Advances [Member]
Short-term [Abstract]
FHLB advances	125,680	60,333
Total short-term borrowings	125,680	60,333
Long-term [Abstract]
FHLB advances	49,919	55,664
Total long-term borrowings	$ 49,919	$ 55,664

Borrowed Funds - Scheduled Prin

Borrowed Funds - Scheduled Principal Balances, Interest Rates and Maturities of Outstanding Long-term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Advances with FHLB [Abstract]
Due within 1 year	$ 22,851
Due within 2 years	23,883
Due within 10 years	3,185
Total advances with FHLB	49,919
Total long-term fixed rate borrowings	$ 49,919	$ 55,664
Minimum [Member]
Federal Home Loan Bank advances interest rate [Abstract]
Due within 1 year interest rate	0.39%
Due within 2 years interest rate	0.52%
Due within 10 years interest rate	0.53%
Maximum [Member]
Federal Home Loan Bank advances interest rate [Abstract]
Due within 1 year interest rate	5.03%
Due within 2 years interest rate	4.92%
Due within 10 years interest rate	4.96%

Borrowed Funds - Scheduled Repa

Borrowed Funds - Scheduled Repayments of Long-Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Long-term Debt, Fiscal Year Maturity [Abstract]
2024	$ 22,851
2025	23,883
2026	3,185
Total long-term fixed rate borrowings	$ 49,919	$ 55,664

Borrowed Funds - Additional Inf

Borrowed Funds - Additional Information (Details) $ in Millions	Dec. 31, 2023 USD ($) Bank
Federal Reserve Bank of New York [Member] | Domestic Line of Credit [Member]
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 17.3
Other Corresponding Banks [Member] | Domestic Line of Credit [Member]
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 15
Number of corresponding banks with a line of credit available | Bank	2
Maximum borrowing capacity, unsecured basis	$ 10
Maximum borrowing capacity, requiring collateral	5
FHLB Advances [Member]
Line of Credit Facility [Line Items]
Carrying value of residential mortgage loans pledged under a blanket collateral agreement	113.6
CarryingValueofSecuritiesPledgedUnderBlanketCollateralAgreement	90.7
Carrying value of FHLB stock pledged under a blanket collateral agreement	$ 8.7

Subordinated Loans - Additional

Subordinated Loans - Additional Information (Details) - USD ($)			12 Months Ended
	Oct. 14, 2020	Oct. 15, 2015	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Interest on subordinated loans			$ 1,941,000	$ 1,749,000
Junior Subordinated Debentures [Member] | Pathfinder Statutory Trust II [Member]
Debt Instrument [Line Items]
Interest on subordinated loans			$ 361,000,000	$ 178,000
Ownership interest			100%
Subordinated loan face value			$ 5,000,000
Term of debt			30 years
Call provision on trust securities			5 years
Junior Subordinated Debentures [Member] | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member] | Pathfinder Statutory Trust II [Member]
Debt Instrument [Line Items]
Variable rate basis			3-month LIBOR
Debt instrument, term of variable rate				3 months
Basis spread on variable rate			1.91%
Subordinated Debt [Member]
Debt Instrument [Line Items]
Basis spread on variable rate			5.50%
Private Placement [Member]
Debt Instrument [Line Items]
Proceeds from issuance of subordinate notes	$ 25,000,000
Subordinated borrowing, interest rate	5.50%
Subordinated note, maturity date			Oct. 15, 2030
Effective interest rate			6.22%
Subordinated loan interest rate			5.50%
Spread on variable rate			0.532%
Origination and legal fees		$ 783,000
Interest on subordinated loans			$ 1,600,000

Subordinated Loans - Compositio

Subordinated Loans - Composition of Subordinated Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Total subordinated debt	$ 29,914	$ 29,733
Deferred Financing Charges	(241)	(422)
Junior Subordinated Debentures [Member]
Debt Instrument [Line Items]
Total subordinated loans	5,155	5,155
Subordinated Loan [Member]
Debt Instrument [Line Items]
Total subordinated loans	$ 25,000	$ 25,000

Subordinated Loans - Schedule o

Subordinated Loans - Schedule of Principal Balances, Interest Rates and Maturities of the Subordinated Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)
London Inter banks Of fered Rate LIBOR [Member]
Debt Instrument [Line Items]
Due within 16 years	1.65%
Subordinated Debt [Member]
Debt Instrument [Line Items]
Due within 8 years	$ 25,000
Due within 16 years	5.50%
Total subordinated loans	$ 30,155
Subordinated Debt [Member] | London Inter banks Of fered Rate LIBOR [Member]
Debt Instrument [Line Items]
Due within 15 years	$ 5,155

Subordinated Loans - Scheduled

Subordinated Loans - Scheduled Repayments of the Subordinated Loans (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Long-term Debt, Fiscal Year Maturity [Abstract]
2024	$ 22,851
2025	23,883
Subordinated Debt [Member]
Long-term Debt, Fiscal Year Maturity [Abstract]
2024	0
2025	25,000,000
2026	0
2027	0
2028	0
Thereafter	5,155
Total subordinated loans	$ 30,155

Employee Benefits and Deferre_3

Employee Benefits and Deferred Compensation and Supplemental Retirement Plans - Additional Information (Details)		12 Months Ended
		Dec. 31, 2023 USD ($) Payment Fund	Dec. 31, 2022 USD ($)	Dec. 31, 2024 USD ($)	Dec. 31, 2021 USD ($)
Defined Benefit Plans And Other Postretirement Benefit Plans Table Text Block [Line Items]
Minimum years of service to participate in the health and life insurance benefits as of January 1, 1995		14 years
Gains or losses greater of the benefit obligation or the fair value of assets amortized over the average remaining service period		10%
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Long-term inflation rate		2.50%
Expected long term rate of return on plan assets - 2021		6%
Target Allocations [Abstract]
Number of funds in which plan assets invested | Fund		3
Employer contribution to 401 (k) plan		$ 449,000	$ 433,000
Additional safe harbor contribution		$ 349,000	337,000
Deferred Compensation Arrangements [Abstract]
Period for additional annual contributions following change in control		24 months
Number of years the Bank is required to make additional annual contributions		3 years
Period for benefit payment in the event of death, disability or termination following change in control		24 months
Number of annual installments for benefit payments | Payment		10
Directors and Certain Executive Officers [Member]
Deferred Compensation Arrangements [Abstract]
Maximum contractual term		10 years
Liability related to deferred compensation		$ 3,300,000	3,200,000
Deferred compensation expense		$ 341,000	$ 355,000
Equity Securities [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded		48%
Mutual Funds - Fixed Income Intermediate duration [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded		16%
Estimated retirement life of assets in the trust		30 years
Mutual Funds-Fixed Income Long Duration [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded		35%
Cash Equivalents [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded		1%
Pension Benefits [Member]
Significant Assumptions Used in Determining Benefit Obligations [Abstract]
Weighted average discount rate		5.94%	6.09%
Change in Benefit Obligation [Roll Forward]
Accumulated benefit obligation		$ 9,586,000	$ 9,442,000		$ 12,720,000
Change in Plan Assets [Roll Forward]
Fair value of plan assets		$ 17,108,000	$ 16,311,000		20,531,000
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Expected long term rate of return on plan assets		6%	6%
Pension Benefits [Member] | Fixed Income Securities [Member]
Change in Plan Assets [Roll Forward]
Fair value of plan assets		$ 10,410,000	$ 7,922,000
Pension Benefits [Member] | Mutual Funds - Fixed Income Intermediate duration [Member]
Change in Plan Assets [Roll Forward]
Fair value of plan assets	[1]		3,347,000
Pension Benefits [Member] | Mutual Funds-Fixed Income Long Duration [Member]
Change in Plan Assets [Roll Forward]
Fair value of plan assets	[2]		$ 2,568,000
Pension Benefits [Member] | Minimum [Member] | Equity Securities [Member]
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Real rate of return on assets assumption		6.50%
Expected long term rate of return on plan assets		5%
Pension Benefits [Member] | Minimum [Member] | Fixed Income Securities [Member]
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Real rate of return on assets assumption		2%
Pension Benefits [Member] | Maximum [Member] | Equity Securities [Member]
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Real rate of return on assets assumption		8.50%
Expected long term rate of return on plan assets		7%
Pension Benefits [Member] | Maximum [Member] | Fixed Income Securities [Member]
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Real rate of return on assets assumption		4%
Postretirement Benefits [Member]
Significant Assumptions Used in Determining Benefit Obligations [Abstract]
Weighted average discount rate		5.94%	6.09%
Change in Benefit Obligation [Roll Forward]
Accumulated benefit obligation		$ 120,000	$ 136,000		325,000
Change in Plan Assets [Roll Forward]
Fair value of plan assets		$ 0	$ 0		$ 0
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Expected long term rate of return on plan assets		0%	0%
Decrease in expected long-term rate of return in basis points		5,000%
Decrease in percentage of expected long-term rate of return		26.10%
Decrease in expected long-term rate of return		$ 63,000
Expected net periodic benefit cost in next fiscal year		$ 299,000
Postretirement Benefits [Member] | Scenario Forecast [Member]
Target Allocations [Abstract]
Estimated future employer contributions in next fiscal year				$ 13,000
Postretirement Health Care Plan [Member]
Assumed Health Care Cost Trend Rates [Abstract]
Health care cost trend rate assumption		4.60%
Ultimate health care cost trend rate		4.30%
Year that rate reaches ultimate trend rate		2028
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Amounts that will be amortized from accumulated other comprehensive income (loss) in next fiscal year		$ (299,000)
Estimated amortization of the unrecognized transition obligation and actuarial loss in next fiscal year		(120,000)
Supplemental Executive Retirement Plans [Member]
Target Allocations [Abstract]
Cash surrender value of life insurance		24,600,000	$ 24,000,000
Other accrued liabilities		$ 6,940	$ 635,000
[1] This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5- 20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better. This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term.

Employee Benefits and Deferre_4

Employee Benefits and Deferred Compensation and Supplemental Retirement Plans - Changes in the Plans Benefit Obligations, Fair Value of Plan Assets and the Plans' Funded Status (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Pension Benefits [Member]
Change in Benefit Obligation [Roll Forward]
Benefit obligations at beginning of year	$ 9,442,000	$ 12,720,000
Service cost	0	0
Interest cost	562,000	465,000
Plan participants' contribution	0	0
Actuarial (gain) loss	214,000	(3,368,000)
Benefits paid	(632,000)	(375,000)
Benefit obligations at end of year	9,586,000	9,442,000
Change in Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	16,311,000	20,531,000
Actual return on plan assets	1,429,000	(3,845,000)
Benefits paid	(632,000)	(375,000)
Plan participants' contribution	0	0
Employer contributions	0	0
Fair value of plan assets at end of year	17,108,000	16,311,000
Funded (unfunded) status - asset (liability)	7,522,000	6,869,000
Postretirement Benefits [Member]
Change in Benefit Obligation [Roll Forward]
Benefit obligations at beginning of year	136,000	325,000
Service cost	0	0
Interest cost	8,000	11,000
Plan participants' contribution	5,000	9,000
Actuarial (gain) loss	(7,000)	(164,000)
Benefits paid	(22,000)	(45,000)
Benefit obligations at end of year	120,000	136,000
Change in Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	0	0
Actual return on plan assets	0	0
Benefits paid	(16,000)	(45,000)
Plan participants' contribution	6,000	9,000
Employer contributions	(22,000)	(36,000)
Fair value of plan assets at end of year	0	0
Funded (unfunded) status - asset (liability)	$ (120,000)	$ (136,000)

Employee Benefits and Deferre_5

Employee Benefits and Deferred Compensation and Supplemental Retirement Plans - Amounts Recognized in Other Comprehensive Loss (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract]
Accumulated other comprehensive income after tax	$ 2,073	$ 2,427
Pension Benefits [Member]
Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract]
Net loss	2,909	3,389
Tax Effect	760	886
Accumulated other comprehensive income after tax	2,149	2,503
Postretirement Benefits [Member]
Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract]
Net loss	(103)	(103)
Tax Effect	(27)	(27)
Accumulated other comprehensive income after tax	$ (76)	$ (76)

Employee Benefits and Deferre_6

Employee Benefits and Deferred Compensation and Supplemental Retirement Plans - Significant Assumptions Used in Determining Benefit Obligations and Net Periodic Benefit Plan Cost (Details)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Pension Benefits [Member]
Significant Assumptions Used in Determining Benefit Obligations [Abstract]
Weighted average discount rate	5.94%	6.09%
Rate of increase in future compensation levels	0%	0%
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Weighted average discount rate	6.09%	6.09%
Expected long term rate of return on plan assets	6%	6%
Rate of increase in future compensation levels	0%	0%
Postretirement Benefits [Member]
Significant Assumptions Used in Determining Benefit Obligations [Abstract]
Weighted average discount rate	5.94%	6.09%
Rate of increase in future compensation levels	0%	0%
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Weighted average discount rate	5.94%	6.09%
Expected long term rate of return on plan assets	0%	0%
Rate of increase in future compensation levels	0%	0%

Employee Benefits and Deferre_7

Employee Benefits and Deferred Compensation and Supplemental Retirement Plans - Composition of Net Periodic Benefit Plan (Benefit) Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Composition of Net Periodic Benefit Plan Cost [Abstract]
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Excluding Service Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Amortization Of Financing Cost From Subordinated Debt	Amortization Of Financing Cost From Subordinated Debt
Defined Benefit Plan, Net Periodic Benefit (Cost) Credit, Amortization of Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Amortization Of Financing Cost From Subordinated Debt	Amortization Of Financing Cost From Subordinated Debt
Pension Benefits [Member]
Composition of Net Periodic Benefit Plan Cost [Abstract]
Service cost	$ 0	$ 0
Interest cost	562	465
Expected return on plan assets	(965)	(1,068)
Amortization of transition obligation	0	0
Amortization of net losses	229	0
Amortization of unrecognized past service liability	0	0
Net periodic benefit plan (benefit) cost	(174)	(603)
Postretirement Benefits [Member]
Composition of Net Periodic Benefit Plan Cost [Abstract]
Service cost	0	0
Interest cost	8	11
Expected return on plan assets	0	0
Amortization of transition obligation	0	0
Amortization of net losses	(5)	7
Amortization of unrecognized past service liability	(2)	(5)
Net periodic benefit plan (benefit) cost	$ 1	$ 13

Employee Benefits and Deferre_8

Employee Benefits and Deferred Compensation and Supplemental Retirement Plans - Pension Plan Assets Fair Value (Details) - Pension Benefits [Member] - USD ($) $ in Thousands		Dec. 31, 2023		Dec. 31, 2022		Dec. 31, 2021
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		$ 17,108		$ 16,311		$ 20,531
Equity Funds
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		5,050		7,983
Mutual Funds - Equity - Large-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		2,885	[1]	1,659	[2]
Mutual Funds - Equity - Large-cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[3]			1,239
Mutual Funds - Equity - Large-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[4]			993
Mutual Funds - Equity - Mid-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		723	[1]	384	[5]
Mutual Funds - Equity - Mid-Cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[6]			309
Mutual Funds - Equity - Mid-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[7]			340
Mutual Funds - Equity - Small-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		723	[1]	179	[8]
Mutual Funds - Equity - Small-cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[9]			413
Mutual Funds - Equity - Small-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[10]			268
International Equity [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		1,442	[1]	2,199	[11]
Fixed Income Securities [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		10,410		7,922
Mutual Funds Fixed Income US Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[12]			2,007
US Government Debt Securities [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[13],[14]	8,583
Internal Investment Grade [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[15],[16]	1,827
Mutual Funds - Fixed Income Intermediate duration [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[17]			3,347
Mutual Funds-Fixed Income Long Duration [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[18]			2,568
Cash Equivalents-Money Market [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		1,648	[19],[20]	406
Level 1 [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		15,003		54
Level 1 [Member] | Equity Funds
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		5,050		0
Level 1 [Member] | Mutual Funds - Equity - Large-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		2,885	[1]	0	[2]
Level 1 [Member] | Mutual Funds - Equity - Large-cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[3]			0
Level 1 [Member] | Mutual Funds - Equity - Large-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[4]			0
Level 1 [Member] | Mutual Funds - Equity - Mid-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		723	[1]	0	[5]
Level 1 [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[6]			0
Level 1 [Member] | Mutual Funds - Equity - Mid-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[7]			0
Level 1 [Member] | Mutual Funds - Equity - Small-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[8]			0
Level 1 [Member] | Mutual Funds - Equity - Small-cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[9]			0
Level 1 [Member] | Mutual Funds - Equity - Small-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		723	[1]	0	[10]
Level 1 [Member] | International Equity [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		1,442	[1]	0	[11]
Level 1 [Member] | Fixed Income Securities [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		8,319		0
Level 1 [Member] | Mutual Funds Fixed Income US Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[12]			0
Level 1 [Member] | US Government Debt Securities [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[13],[14]	7,990
Level 1 [Member] | Internal Investment Grade [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[15],[16]	329
Level 1 [Member] | Mutual Funds - Fixed Income Intermediate duration [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[17]			0
Level 1 [Member] | Mutual Funds-Fixed Income Long Duration [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[18]			0
Level 1 [Member] | Cash Equivalents-Money Market [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		1,634	[19],[20]	54
Level 2 [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		2,105		16,257
Level 2 [Member] | Equity Funds
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets				7,983
Level 2 [Member] | Mutual Funds - Equity - Large-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[2]			1,659
Level 2 [Member] | Mutual Funds - Equity - Large-cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[3]			1,239
Level 2 [Member] | Mutual Funds - Equity - Large-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[4]			993
Level 2 [Member] | Mutual Funds - Equity - Mid-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[5]			384
Level 2 [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[6]			309
Level 2 [Member] | Mutual Funds - Equity - Mid-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[7]			340
Level 2 [Member] | Mutual Funds - Equity - Small-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[8]			179
Level 2 [Member] | Mutual Funds - Equity - Small-cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[9]			413
Level 2 [Member] | Mutual Funds - Equity - Small-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[10]			268
Level 2 [Member] | International Equity [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[11]			2,199
Level 2 [Member] | Fixed Income Securities [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		2,091		7,922
Level 2 [Member] | Mutual Funds Fixed Income US Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[12]			2,007
Level 2 [Member] | US Government Debt Securities [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[13],[14]	593
Level 2 [Member] | Internal Investment Grade [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[15],[16]	1,498
Level 2 [Member] | Mutual Funds - Fixed Income Intermediate duration [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[17]			3,347
Level 2 [Member] | Mutual Funds-Fixed Income Long Duration [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[18]			2,568
Level 2 [Member] | Cash Equivalents-Money Market [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets		$ 14	[19],[20]	352
Level 3 [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets				0
Level 3 [Member] | Equity Funds
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets				0
Level 3 [Member] | Mutual Funds - Equity - Large-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[2]			0
Level 3 [Member] | Mutual Funds - Equity - Large-cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[3]			0
Level 3 [Member] | Mutual Funds - Equity - Large-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[4]			0
Level 3 [Member] | Mutual Funds - Equity - Mid-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[5]			0
Level 3 [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[6]			0
Level 3 [Member] | Mutual Funds - Equity - Mid-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[7]			0
Level 3 [Member] | Mutual Funds - Equity - Small-cap Value [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[8]			0
Level 3 [Member] | Mutual Funds - Equity - Small-cap Growth [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[9]			0
Level 3 [Member] | Mutual Funds - Equity - Small-cap Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[10]			0
Level 3 [Member] | International Equity [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[11]			0
Level 3 [Member] | Fixed Income Securities [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets				0
Level 3 [Member] | Mutual Funds Fixed Income US Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[12]			0
Level 3 [Member] | Mutual Funds - Fixed Income Intermediate duration [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[17]			0
Level 3 [Member] | Mutual Funds-Fixed Income Long Duration [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets	[18]			0
Level 3 [Member] | Cash Equivalents-Money Market [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair value of plan assets				$ 0
[1] This category includes exchange-traded funds representing equity markets. This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks. This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S. This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index. This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index. This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index. This category seeks to track the performance of the S&P Midcap 400 Index. This category consists of a selection of investments based on the Russell 2000 Value Index. This category consists of a mutual fund invested in small capitalization growth companies along with a fund invested in a selection of investments based on the Russell 2000 Growth Index. This category consists of a mutual fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10 % of the market universe, or smaller than the 1000th largest US company. This category invests primarily in medium to large non-US companies in developed and emerging markets. Under normal circumstances, at least 80 % of total assets will be invested in equity securities, including common stocks, preferred stocks, and convertible securities. This category currently includes equal investments in three mutual funds, two of which usually hold at least 80 % of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index. The third fund targets investments of 50 % or more in mortgage-backed securities guaranteed by the US government and its agencies. This category includes U.S. Agencies and U.S. TIPS This category includes nominal U. S Treasuries. This category includes exchange traded funds with fixed income as the underlying exposure. This category includes investment grade corporate bonds and municipal bonds This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5- 20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better. This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term. This category includes a fully collateralized money market fund. This category includes an ex-dividend that will be paid in cash and accrued interest for the money market fund.

Employee Benefits and Deferre_9

Employee Benefits and Deferred Compensation and Supplemental Retirement Plans - Pension Plan Assets Fair Value (Parenthetical) (Details)	12 Months Ended
	Dec. 31, 2023 Fund Stock	Dec. 31, 2022 Fund Stock
Minimum [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Approximate or typical number of stocks held in the portfolio | Stock	60	60
Maximum [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Approximate or typical number of stocks held in the portfolio | Stock	70	70
Mutual Funds - Equity - Small-cap Core [Member] | Maximum [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Market capitalizations	10%	10%
Mutual Funds - Fixed Income Intermediate duration [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Assets category consist of number of funds | Fund	3	3
Mutual Funds - Fixed Income Intermediate duration [Member] | Maximum [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Maturity Period of debt security	20 years	20 years
International Equity [Member] | Minimum [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Percentage of total assets invested in equity securities, including common stocks, preferred stocks, and convertible securities	80%	80%
Mutual Funds Fixed Income US Core [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Number of investments in fund assets in investment grade fixed income securities | Fund	2	2
Mutual Funds Fixed Income US Core [Member] | Maximum [Member]
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Percentage of fund assets in investment grade fixed income securities	80%	80%
Percentage of target investments in mortgage-backed securities	50%	50%

Employee Benefits and Deferr_10

Employee Benefits and Deferred Compensation and Supplemental Retirement Plans - Expected Future Service Benefit Payments (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Expected Benefit Payments [Abstract]
2024	$ 475
2025	495
2026	615
2027	637
2028	697
Thereafter	3,702
Pension Benefits [Member]
Expected Benefit Payments [Abstract]
2024	462
2025	482
2026	603
2027	625
2028	685
Thereafter	3,651
Postretirement Benefits [Member]
Expected Benefit Payments [Abstract]
2024	13
2025	13
2026	12
2027	12
2028	12
Thereafter	$ 51

Stock Based Compensation Plan_2

Stock Based Compensation Plans - Additional Information (Details)	1 Months Ended			12 Months Ended
	Oct. 31, 2020 Officer SeniorOfficer shares	Sep. 30, 2020 Officer shares	May 31, 2016 Director SeniorOfficer Officer ExecutiveOfficer shares	Dec. 31, 2023 USD ($) shares	Dec. 31, 2022 USD ($) shares
Employee Stock Option
Stock Options Outstanding [Roll Forward]
Granted (in shares)				0	0
Options, Additional Disclosures [Abstract]
Intrinsic value of options exercised | $				$ 626,000,000	$ 1,800,000
Weighted average remaining contractual term - options outstanding				3 years 6 months
Weighted average remaining contractual term - shares exercisable					3 years 6 months
Stock Option Awards and Restricted Stock Units [Member]
Fair Value Assumptions [Abstract]
Compensation expense | $				$ 92,000	$ 157,000
Estimated Future Compensation Expense [Abstract]
Estimated future compensation expense, 2024 | $				0
Estimated future compensation expense, 2025 | $				$ 0
May 2016 Stock Option Grants [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares authorized (in shares)			263,605
Restricted Stock Unit Grants [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares authorized (in shares)			105,442
Restricted Stock Unit Grants [Member] | Restricted Stock Units [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period	3 years	3 years	5 years
Award annual vesting	33.30%	33.30%	20%
Options, Additional Disclosures [Abstract]
Granted (in shares)	17,801	1,000
Restricted Stock Unit Grants [Member] | Restricted Stock Units [Member] | Directors [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of stock awards beneficiaries | Director			9
Options, Additional Disclosures [Abstract]
Granted (in shares)			31,635
Restricted Stock Unit Grants [Member] | Restricted Stock Units [Member] | Senior Officer [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of stock awards beneficiaries | SeniorOfficer	3		3
Fair Value Assumptions [Abstract]
Number of beneficiaries whose award vested upon retirement | SeniorOfficer			1
Restricted Stock Unit Grants [Member] | Restricted Stock Units [Member] | Officers [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of stock awards beneficiaries | Officer	4	1	2
Options, Additional Disclosures [Abstract]
Granted (in shares)			8,436
Restricted Stock Unit Grants [Member] | Restricted Stock Units [Member] | Executive Officers [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of stock awards beneficiaries | ExecutiveOfficer			2
Restricted Stock Unit Grants [Member] | Restricted Stock Units [Member] | Chief Executive Officer, Executive Officers and Senior Officer [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period			7 years
Award annual vesting			14.28%
Options, Additional Disclosures [Abstract]
Granted (in shares)			46,570

Stock Based Compensation Plan_3

Stock Based Compensation Plans - Activity in the Stock Option Plans (Details) - Employee Stock Option - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Stock Options Outstanding, Number of Shares [Roll Forward]
Outstanding at beginning of period (in shares)	223,000	264,000
Granted (in shares)	0	0
Newly vested (in shares)	0	0
Exercised (in shares)	(58,000)	(37,000)
Forfeited (in shares)	0	(4,000)
Expired (in shares)	0	0
Outstanding at end of period (in shares)	165,000	223,000
Stock Options Outstanding, Weighted Average Exercise Price [Roll Forward]
Outstanding at beginning of period (in dollars per share)	$ 10.94	$ 10.98
Granted (in dollars per share)	0	0
Newly vested (in dollars per share)	0	0
Exercised (in dollars per share)	0	0
Forfeited (in dollars per share)	0	11.35
Expired (in dollars per share)	0	0
Outstanding at end of period (in dollars per share)	$ 11.03	$ 10.94
Stock Options Shares Exercisable, Number of Shares [Abstract]
Options exercisable at beginning of period (in shares)	200,000	210,000
Options exercisable, Granted (in shares)	0	0
Options exercisable, Newly vested (in shares)	23,000	27,000
Options exercisable, Exercised (in shares)	(58,000)	(37,000)
Options exercisable, Expired (in shares)	0	0
Options exercisable, Forfeited (in shares)	0	0
Options exercisable at end of period (in shares)	165,000	200,000
Outstanding at beginning of period (in dollars per share)	$ 10.98	$ 11.05
Granted (in dollars per share)	0	0
Newly vested (in dollars per share)	0	10.73
Exercised (in dollars per share)	0	0
Forfeited (in dollars per share)	0	0
Expired (in dollars per share)	0	0
Outstanding at end of period (in dollars per share)	$ 11.03	$ 10.98

Employee Stock Ownership Plan -

Employee Stock Ownership Plan - Additional Information (Details) - ESOP [Member] - USD ($)	1 Months Ended	12 Months Ended
	Jul. 31, 2011	Dec. 31, 2023	Dec. 31, 2022
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Loan	$ 1,100,000
Shares purchased (in shares)	125,000	105,442
Term of loan repayment		10 years
Basis spread on variable rate		1%
Number of shares from refinanced loan (in shares)		138,982.5
Number of shares from new loan (in shares)		244,424.5
Fixed interest rate		3.25%
Award annual vesting		20%
Compensation expense		$ 379,000	$ 489,000
Dividends on unallocated shares		$ 10,000	$ 19,000
Unearned ESOP shares (in shares)		18,332
Fair value of unearned ESOP shares		$ 257,000

Income Taxes - Provision for In

Income Taxes - Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Income Tax Expense [Abstract]
Current	$ 2,729	$ 2,517
Deferred	(367)	139
Income tax expense	2,362	2,656
Income Tax Expense by Jurisdiction [Abstract]
Federal Income Tax	2,295	2,342
State Tax	67	314
Income tax expense	$ 2,362	$ 2,656

Income Taxes - Components of th

Income Taxes - Components of the Net Deferred Tax Asset (Liability) Included in Other Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets:
Deferred compensation	$ 1,102	$ 1,051
Allowance for loan losses	4,423	4,004
Postretirement benefits	31	36
Subordinated debt interest	58	37
Loan origination fees	150	261
Investment securities	2,676	3,583
Stock-based compensation	37	71
Lease Liabilities	447	632
Other	466	322
Total	9,390	9,997
Liabilities:
Prepaid pension	(1,966)	(1,795)
Cash flow hedges	(17)	(135)
Depreciation	(1,675)	(2,097)
Accretion	(214)	(494)
Intangible assets	(1,004)	(1,004)
Mortgage servicing rights	(86)	(96)
Right-of-use assets	(398)	(549)
Prepaid expenses and transaction fees	(101)	(112)
Total	(5,461)	(6,282)
Net deferred tax (liability) asset	(447)	(632)
Net deferred tax asset	$ 3,929	$ 3,715

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Income Taxes [Line Items]
Provision for income taxes	$ 2,362	$ 2,656
Effective income tax rate	20.80%	17.50%
Capital Loss Carryforward [Member]
Income Taxes [Line Items]
Effective income tax rate	20.80%	17.50%

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of the Federa Statutory Income Tax Rate (Details)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Reconciliation of the Federal Statutory Income Tax Rate to the Effective Income Tax Rate [Abstract]
Federal statutory income tax rate	21%	21%
State tax, net of federal benefit	0.40%	1.60%
Tax-exempt interest income	(1.20%)	(1.30%)
Increase in value of bank owned life insurance less premiums paid	(1.10%)	(0.80%)
Change in valuation allowance	0%	(0.40%)
Federal credits	(0.60%)	(0.60%)
Other	1.50%	(2.50%)
Effective income tax rate	20.80%	17.50%
Noncontrolling interest	0.80%	0.50%
Pathfinder Bank [Member]
Reconciliation of the Federal Statutory Income Tax Rate to the Effective Income Tax Rate [Abstract]
Effective income tax rate	20%	17%

Commitments and Contingencies -

Commitments and Contingencies - Summary of the Contractual Amounts of Financial Instruments with Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Commitments to Grant Loans [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	$ 41,878	$ 50,605
Unfunded Commitments Under Lines Of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	157,150	155,453
Unfunded Commitments Related to Construction Loans in Progress [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	4,342	7,142
Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	$ 1,657	$ 2,845

Commitments and Contingencies_2

Commitments and Contingencies - Additional Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)
Commitments and Contingencies Disclosure [Abstract]
Loan commitments outstanding with variable interest rates	$ 151
Loan commitments outstanding with fixed interest rates	$ 42.3
Term of letters of credit, maximum	1 year

Dividends and Restrictions - Ad

Dividends and Restrictions - Additional Information (Details)	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Class Of Stock [Line Items]
Retained earnings legally available to pay dividends	$ 41,400,000
Proceeds from dividends received	$ 0	$ 0
Community bank leverage ratio	0.1011	0.0967

Regulatory Matters - Additional

Regulatory Matters - Additional Information (Details)	1 Months Ended
	Mar. 31, 2020	Dec. 31, 2023	Dec. 31, 2022
Class Of Stock [Line Items]
Common equity tier 1 capital to risk-weighted assets		2.50%
Tier 1 Capital (to Assets)		0.05	0.05
Tier 1 Capital (to Risk-Weighted Assets)		0.06	0.06
Total Core Capital (to Risk-Weighted Assets)		0.10	0.10
Federal Reserve Board reserve requirement ratio	0
Minimum [Member]
Class Of Stock [Line Items]
Tier 1 Capital (to Assets)		0.05
Tier 1 Capital (to Risk-Weighted Assets)		0.06
Total Core Capital (to Risk-Weighted Assets)		0.10

Regulatory Matters - Actual Cap

Regulatory Matters - Actual Capital Amounts and Ratios (Details) $ in Thousands	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Actual Amount [Abstract]
Total Core Capital (to Risk-Weighted Assets)	$ 155,922	$ 145,760
Tier 1 Capital (to Risk-Weighted Assets)	142,927	133,683
Tier 1 Common Equity (to Risk-Weighted Assets)	142,927	133,683
Tier 1 Capital (to Assets)	$ 142,927	$ 133,683
Actual Ratio [Abstract]
Total Core Capital (to Risk-Weighted Assets)	0.1505	0.1514
Tier 1 Capital (to Risk-Weighted Assets)	0.138	0.1388
Tier 1 Common Equity (to Risk-Weighted Assets)	13.80%	13.88%
Tier 1 Capital (to Assets)	0.1011	0.0967
Minimum Capital Adequacy Purposes Amount [Abstract]
Total Core Capital (to Risk-Weighted Assets)	$ 82,860	$ 77,029
Tier 1 Capital (to Risk-Weighted Assets)	62,145	57,772
Tier 1 Common Equity (to Risk-Weighted Assets)	46,609	43,329
Tier 1 Capital (to Assets)	$ 56,548	$ 55,314
Minimum Capital Adequacy Purposes Ratio [Abstract]
Total Core Capital (to Risk-Weighted Assets)	0.08	0.08
Tier 1 Capital (to Risk-Weighted Assets)	0.06	0.06
Tier 1 Common Equity (to Risk-Weighted Assets)	4.50%	4.50%
Tier 1 Capital (to Assets)	0.04	0.04
Minimum To Be "Well Capitalized" Under Prompt Corrective Provisions Amount [Abstract]
Total Core Capital (to Risk-Weighted Assets)	$ 103,575	$ 96,286
Tier 1 Capital (to Risk-Weighted Assets)	82,860	77,029
Tier 1 Common Equity (to Risk-Weighted Assets)	67,324	62,586
Tier 1 Capital (to Assets)	$ 70,685	$ 69,142
Minimum To Be "Well Capitalized" Under Prompt Corrective Provisions Ratio [Abstract]
Total Core Capital (to Risk-Weighted Assets)	0.10	0.10
Tier 1 Capital (to Risk-Weighted Assets)	0.08	0.08
Tier 1 Common Equity (to Risk-Weighted Assets)	6.50%	6.50%
Tier 1 Capital (to Assets)	0.05	0.05
Minimum for Capital Adequacy With Buffer Amount [Abstract]
Total Core Capital (to Risk-Weighted Assets)	$ 108,753	$ 101,100
Tier 1 Capital (to Risk-Weighted Assets)	88,038	81,843
Tier 1 Common Equity (to Risk-Weighted Assets)	72,502	67,400
Tier 1 Capital (to Assets)	$ 70,685	$ 69,142
Minimum for Capital Adequacy With Buffer Ratio [Abstract]
Total Core Capital (to Risk-Weighted Assets)	10.50%	10.50%
Tier 1 Capital (to Risk-Weighted Assets)	8.50%	8.50%
Tier 1 Common Equity (to Risk-Weighted Assets)	7%	7%
Tier 1 Capital (to Assets)	5%	5%

Interest Rate Derivatives - Cum

Interest Rate Derivatives - Cumulative Basis Adjustments for Fair Value Hedges (Details) - Interest Rate Derivatives [Member] - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Loans Receivable [Member]
Derivative [Line Items]
Hedge-Adjusted Carrying Amount of the Hedged Assets	$ 156,836	$ 37,196
Cumulative Amount of Fair Value Hedging Adjustment Subtracted from Carrying Amount of the Hedged Assets	620	1,477
Available for Sale Securities [Member]
Derivative [Line Items]
Hedge-Adjusted Carrying Amount of the Hedged Assets	95,887	68,741
Cumulative Amount of Fair Value Hedging Adjustment Subtracted from Carrying Amount of the Hedged Assets	$ 3,113	$ 8,240

Interest Rate Derivatives - C_2

Interest Rate Derivatives - Cumulative Basis Adjustments for Fair Value Hedges (Parenthetical) (Details) - USD ($)		12 Months Ended
	Apr. 07, 2023	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2029	Dec. 31, 2028	Dec. 31, 2027	Dec. 31, 2026	May 01, 2026	Dec. 31, 2025	Dec. 07, 2023	May 31, 2023
Derivative [Line Items]
Derivative, Fixed Interest Rate						3.845%	4.287%	3.663%
Interest Expense		$ 28,744,000	$ 9,695,000
Other noninterest income		150,000	797,000
Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member]
Derivative [Line Items]
Derivative Notional Amount	$ 100,000,000	$ 91,000,000
Debt Conversion, Converted Instrument, Expiration or Due Date, Year	2035
Derivative, Fixed Interest Rate		3.208%
Loans Receivable [Member]
Derivative [Line Items]
Amount of designated hedging item		$ 156,800,000
Interest Rate Derivatives [Member]
Derivative [Line Items]
Amount of designated hedging item		95,900,000
Derivative Notional Amount		89,100,000	66,800,000
Derivative Asset		3,100,000	$ 8,200,000
Derivative Asset, Statement of Financial Position [Extensible Enumeration]			Assets
Increase (Decrease) in Fair Value of Interest Rate Fair Value Hedging Instruments		2,100,000	$ 565,000,000
Derivative Assets (Liabilities), at Fair Value, Net		603,000
Interest Rate Derivatives [Member] | Loans Receivable [Member]
Derivative [Line Items]
Amount of designated hedging item		141,000,000	19,200,000
Increase (Decrease) in Fair Value of Interest Rate Fair Value Hedging Instruments		2,300,000	$ 188,000,000
Interest Rate Swap [Member]
Derivative [Line Items]
Derivative Notional Amount		40,000,000		$ 15,000,000	$ 15,000,000	$ 10,000,000	$ 5,000,000		$ 5,000,000	$ 50,000,000	$ 40,000,000
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, Consumer, at Acquisition, at Fair Value		721,000,000
One time premium paid for contract		228,000,000
Interest Expense		157,000,000
Other noninterest income		$ 26,000,000
Interest Rate Swap [Member] | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member]
Derivative [Line Items]
Derivative, Fixed Interest Rate				3.845%	3.887%	3.973%	4.136%		4.463%

Interest Rate Derivatives - Add

Interest Rate Derivatives - Additional Information (Details) - USD ($)	1 Months Ended		12 Months Ended
	May 31, 2023	Mar. 31, 2020	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2029	Dec. 31, 2028	Dec. 31, 2027	Dec. 31, 2026	May 01, 2026	Dec. 31, 2025	Dec. 07, 2023
Derivative [Line Items]
Servicing Asset at Amortized Cost			$ 20,981,000
Derivative, Fixed Interest Rate							3.845%	4.287%	3.663%
Swap contracts	$ 45,000,000
Interest Expense			28,744,000	$ 9,695,000
Noninterest Income, Other			150,000	$ 797,000
Interest Rate Swap [Member]
Derivative [Line Items]
Derivative, Notional Amount	$ 40,000,000		40,000,000		$ 15,000,000	$ 15,000,000	$ 10,000,000	$ 5,000,000		$ 5,000,000	$ 50,000,000
Derivative One Time Premium Paid For Contract			228,000,000
Interest rate swap contract expiry date		Mar. 31, 2023
Notional amount		$ 40,000,000					$ 10,000,000	$ 10,000,000	$ 20,000,000
Interest Expense			157,000,000
Noninterest Income, Other			$ 26,000,000
Interest rate cap contract strike price		1.39%
Days of revolving borrowings		90-day
Interest Rate Swap [Member] | London Inter banks Of fered Rate LIBOR [Member]
Derivative [Line Items]
Borrowings		$ 40,000,000

Interest Rate Derivatives - Sch

Interest Rate Derivatives - Schedule of Cash Flow Hedges (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Derivative [Line Items]
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax	Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax
Cash Flow Hedging [Member]
Derivative [Line Items]
Gain (loss) in other comprehensive income:	$ (45)	$ (519)
Cash Flow Hedging [Member] | Interest Rate Swap [Member]
Derivative [Line Items]
Gain (loss) in other comprehensive income:	$ (45)	$ (519)

Interest Rate Derivatives - S_2

Interest Rate Derivatives - Schedule of Derivative Instruments Effect on Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Balance as of January 1:	$ (519)	$ (387)
Amount of unrealized gains recognized in other comprehensive income	474	906
Gain (loss) in other comprehensive income	$ (45)	$ 519

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Details) $ in Thousands	Dec. 31, 2023 USD ($) Security	Dec. 31, 2022 USD ($)
Schedule Of Available For Sale Securities [Line Items]
Available-for-sale Securities, Equity investment securities	$ 206	$ 206
Level 2 [Member]
Schedule Of Available For Sale Securities [Line Items]
Available-for-sale Securities, Equity investment securities	3,200
Corporate [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale securities aggregate market value	$ 4,351	$ 1,319
Corporate [Member] | Level 2 [Member]
Schedule Of Available For Sale Securities [Line Items]
Number of security holds | Security	2
Available for sale securities continuous unrealized loss position twelve months or more amortized historical cost basis	$ 4,100
Available for sale securities aggregate market value	$ 4,300

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value of Assets on Recurring Basis Segregated by Level of Valuation Inputs (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Debt investment securities:
Common stock - financial services industry	$ 206	$ 206
Investment securities - available-for-sale	258,716	191,726
Equity investment securities:
Investment securities - marketable securities measured at NAV	206	206
Level 1 [Member] | Total Fair Value [Member]
Equity investment securities:
Investment securities - marketable securities measured at NAV	3,206	1,862
Level 2 [Member]
Equity investment securities:
Investment securities - marketable securities measured at NAV	3,200
Level 2 [Member] | Total Fair Value [Member]
Debt investment securities:
Investment securities - available-for-sale	254,167	186,757
Interest rate derivatives, at fair value, net :
Interest rate swap derivative cash flow hedges (unrealized gain carried as receivable from derivative counterparties)	(45)	519
Net Asset Value [Member] | Total Fair Value [Member]
Debt investment securities:
Investment securities - available-for-sale	4,343	4,763
Mutual funds Common Stock Financial Services Industry [Member]
Debt investment securities:
Common stock - financial services industry	206	206
Equity investment securities:
Investment securities - marketable securities measured at NAV	206	206
Recurring Basis [Member] | Level 1 [Member]
Debt investment securities:
Total available-for-sale securities	206	206
Recurring Basis [Member] | Level 2 [Member]
Debt investment securities:
US Treasury, agencies and GSEs	80,083	29,364
State and political subdivisions	32,924	45,385
Corporate	6,576	7,066
Asset backed securities	19,892	15,400
Residential mortgage-backed - US agency	24,418	16,400
Collateralized mortgage obligations - US agency	12,179	11,708
Collateralized mortgage obligations - Private label	78,095	61,434
Investment securities - available-for-sale	254,167	186,757
Total available-for-sale securities	254,167	186,757
Interest rate derivatives, at fair value, net :
Interest rate swap derivative fair value hedges (unrealized gain carried as receivable from derivative counterparties)	5,160	9,717
Interest rate swap derivative cash flow hedges (unrealized gain carried as receivable from derivative counterparties)	45	(519)
Recurring Basis [Member] | Fair Value Inputs Level12 And3 [Member] | Total Fair Value [Member]
Debt investment securities:
US Treasury, agencies and GSEs	80,083	29,364
State and political subdivisions	32,924	45,385
Corporate	6,576	7,066
Asset backed securities	19,892	15,400
Residential mortgage-backed - US agency	24,418	16,400
Collateralized mortgage obligations - US agency	12,179	11,708
Collateralized mortgage obligations - Private label	78,095	61,434
Investment securities - available-for-sale	254,167	186,757
Total available-for-sale securities	258,716	191,726
Equity investment securities:
Investment securities - marketable securities measured at NAV	3,206	1,862
Interest rate derivatives, at fair value, net :
Interest rate swap derivative fair value hedges (unrealized gain carried as receivable from derivative counterparties)	5,160	9,717
Interest rate swap derivative cash flow hedges (unrealized gain carried as receivable from derivative counterparties)	45	(519)
Recurring Basis [Member] | Net Asset Value [Member] | Total Fair Value [Member]
Debt investment securities:
Corporate issuances measured at NAV	4,343	4,763
Recurring Basis [Member] | Mutual funds Common Stock Financial Services Industry [Member] | Level 1 [Member]
Debt investment securities:
Common stock - financial services industry	206	206
Recurring Basis [Member] | Mutual funds Common Stock Financial Services Industry [Member] | Fair Value Inputs Level12 And3 [Member] | Total Fair Value [Member]
Debt investment securities:
Common stock - financial services industry	$ 206	$ 206

Fair Value Measurements - Summa

Fair Value Measurements - Summary of Fair Value Assets Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Nonrecurring basis [Abstract]
Foreclosed real estate	$ 111	$ 78
Nonrecurring Basis [Member] | Total Fair Value [Member]
Nonrecurring basis [Abstract]
Individually evaluated loans	9,722	2,328
Foreclosed real estate	151	221
Nonrecurring Basis [Member] | Level 3 [Member]
Nonrecurring basis [Abstract]
Individually evaluated loans	9,722	2,328
Foreclosed real estate	$ 151	$ 221

Fair Value Measurements - Fai_2

Fair Value Measurements - Fair Value Inputs, Quantitative Information (Details) - Level 3 [Member] - Measurement Input, Discount Rate [Member]	Dec. 31, 2023	Dec. 31, 2022
Impaired Loans [Member] | Minimum [Member] | Appraisal of Collateral - Appraisal Adjustments [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate		5
Impaired Loans [Member] | Minimum [Member] | Appraisal of Collateral - Cost to Sell [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate		7
Impaired Loans [Member] | Maximum [Member] | Appraisal of Collateral - Appraisal Adjustments [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate		35
Impaired Loans [Member] | Maximum [Member] | Appraisal of Collateral - Cost to Sell [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate		14
Impaired Loans [Member] | Weighted Average [Member] | Appraisal of Collateral - Appraisal Adjustments [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate		(17)
Impaired Loans [Member] | Weighted Average [Member] | Appraisal of Collateral - Cost to Sell [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate		(12)
Individually evaluated loans [Member] | Minimum [Member] | Appraisal of Collateral - Appraisal Adjustments [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate	10
Individually evaluated loans [Member] | Maximum [Member] | Appraisal of Collateral - Appraisal Adjustments [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate	75
Individually evaluated loans [Member] | Weighted Average [Member] | Appraisal of Collateral - Appraisal Adjustments [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate	(21)
Foreclosed Real Estate | Minimum [Member] | Appraisal of Collateral - Appraisal Adjustments [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate		15
Foreclosed Real Estate | Minimum [Member] | Appraisal of Collateral - Cost to Sell [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate	21	6
Foreclosed Real Estate | Maximum [Member] | Appraisal of Collateral - Appraisal Adjustments [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate		15
Foreclosed Real Estate | Maximum [Member] | Appraisal of Collateral - Cost to Sell [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate	24	9
Foreclosed Real Estate | Weighted Average [Member] | Appraisal of Collateral - Appraisal Adjustments [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate		(15)
Foreclosed Real Estate | Weighted Average [Member] | Appraisal of Collateral - Cost to Sell [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Fair value inputs, discount rate	22	8

Fair Value Measurements - Carry

Fair Value Measurements - Carrying Amounts and Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financial assets:
Investment	$ 258,716	$ 191,726
Investment securities - marketable securities measured at NAV	206	206
Held-to-maturity Securities, Debt Maturities, Fair Value	168,034	181,491
Financial liabilities:
Subordinated debt	29,914	29,733
Level 1 [Member] | Carrying Amounts [Member]
Financial assets:
Cash and cash equivalents	48,732	35,282
Investment securities - marketable securities measured at NAV	3,206	1,862
Accrued interest receivable	7,286	6,168
Financial liabilities:
Demand Deposits, Savings, NOW and MMDA	607,301	699,624
Level 1 [Member] | Total Fair Value [Member]
Financial assets:
Cash and cash equivalents	48,732	35,282
Investment securities - marketable securities measured at NAV	3,206	1,862
Accrued interest receivable	7,286	6,168
Financial liabilities:
Demand Deposits, Savings, NOW and MMDA	607,301	699,624
Level 2 [Member]
Financial assets:
Investment securities - marketable securities measured at NAV	3,200
Level 2 [Member] | Carrying Amounts [Member]
Financial assets:
Investment	254,167	186,757
Held-to-maturity Securities, Debt Maturities, Fair Value	179,286	194,402
Federal Home Loan Bank stock	8,748	5,982
Interest rate derivative fair value hedges receivable - AFS investments	3,113	8,240
Financial liabilities:
Demand Deposits, Savings, NOW and MMDA		29,733
Time Deposits	512,766	425,806
Borrowings	175,599	115,997
Subordinated debt	29,914
Accrued interest payable	2,245	975
Interest rate derivative cash flow hedge receivable/(payable)	(45)	519
Level 2 [Member] | Carrying Amounts [Member] | Loans Receivable [Member]
Financial liabilities:
Interest rate swap derivative fair value hedges	2,047	1,477
Level 2 [Member] | Total Fair Value [Member]
Financial assets:
Investment	254,167	186,757
Held-to-maturity Securities, Debt Maturities, Fair Value	168,034	181,491
Federal Home Loan Bank stock	8,748	5,982
Interest rate derivative fair value hedges receivable - AFS investments	3,113	8,240
Financial liabilities:
Time Deposits	517,514	393,676
Borrowings	174,071	112,877
Subordinated debt	28,026	27,378
Accrued interest payable	2,245	975
Interest rate derivative cash flow hedge receivable/(payable)	(45)	519
Level 2 [Member] | Total Fair Value [Member] | Loans Receivable [Member]
Financial liabilities:
Interest rate swap derivative fair value hedges	1,477	1,477
Net Asset Value [Member] | Carrying Amounts [Member]
Financial assets:
Investment	4,343	4,763
Net Asset Value [Member] | Total Fair Value [Member]
Financial assets:
Investment	4,343	4,763
Level 3 [Member] | Carrying Amounts [Member]
Financial assets:
Net loans	881,232	882,435
Level 3 [Member] | Total Fair Value [Member]
Financial assets:
Net loans	$ 823,052	$ 844,892

Parent Company - Financial In_3

Parent Company - Financial Information - Schedule of Condensed Financial Information (Statements of Condition) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS:
Cash	$ 12,338	$ 13,939
Investment	258,716	191,726
Premises and equipment, net	18,441	17,872
Other assets	22,097	25,969
Total assets	1,465,798	1,399,921
LIABILITIES AND SHAREHOLDERS' EQUITY:
Subordinated debt	29,914	29,733
Shareholders' equity	119,495	110,997
Total liabilities and shareholders' equity	1,465,798	1,399,921
Pathfinder Bank [Member]
ASSETS:
Cash	5,336	9,638
Investment	3,206	1,862
Investment in bank subsidiary	138,704	126,733
Investment in non-bank subsidiary	155	155
Premises and equipment, net	0	9
Assets held-for-sale	3,042	3,042
Other assets	607	735
Total assets	151,050	142,174
LIABILITIES AND SHAREHOLDERS' EQUITY:
Accrued liabilities	880	859
Subordinated debt	29,914	29,733
Shareholders' equity	120,256	111,582
Total liabilities and shareholders' equity	$ 151,050	$ 142,174

Parent Company - Financial In_4

Parent Company - Financial Information - Schedule of Condensed Financial Information (Statements of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Income
Total income	$ 67,663	$ 51,098
Interest expense:
Interest	28,744	9,695
Operating, net	2,240	2,452
Tax benefit	(2,362)	(2,656)
Net income	9,293	12,932
Pathfinder Bank [Member]
Income
Dividends from non-bank subsidiary	11	5
Dividends from marketable equity security	0	15
Gain (loss) on marketable equity securities	(255)	352
Impairment on premise and equipment	0	(380)
Operating, net	192	128
Total income	52	120
Interest expense:
Interest	1,941	1,749
Operating, net	724	1,299
Total expenses	2,665	3,048
Loss before taxes and equity in undistributed net income of subsidiaries	(2,717)	(2,928)
Tax benefit	557	528
Loss before equity in undistributed net income of subsidiaries	(2,160)	(2,400)
Equity in undistributed net income of subsidiaries	11,453	15,332
Net income	$ 9,293	$ 12,932

Parent Company - Financial In_5

Parent Company - Financial Information - Schedule of Condensed Financial Information (Statements of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Operating Activities
Net Income	$ 9,293	$ 12,932
Stock based compensation and ESOP expense	462	626
Net change in other assets and liabilities	1,576	3,701
Net cash used in operating activities	15,432	21,733
Investing Activities
Marketable securities	0	714
Disposal of premises and equipment	0	3,311
Purchase of premises and equipment	(1,966)	(1,898)
Net cash used in investing activities	(54,788)	(131,160)
Financing activities
Proceeds from exercise of stock options	623	418
Cash dividends paid to non-voting common shareholders	(1,690)	(1,568)
Cash dividends paid to common voting shareholders	(1,690)	(1,568)
Cash dividends paid on warrants	(45)	(43)
Net cash used in financing activities	52,806	107,560
Change in cash and cash equivalents	13,450	(1,867)
Cash and cash equivalents at beginning of year	35,282	37,149
Cash and cash equivalents at end of year	48,732	35,282
Pathfinder Bank [Member]
Operating Activities
Net Income	9,293	12,932
Equity in undistributed net income of subsidiaries	(11,453)	(15,332)
Stock based compensation and ESOP expense	462	626
Amortization of deferred financing from subordinated loan	181	170
Gains on marketable securities	254	(352)
Impairment of fixed asset	0	380
Net change in other assets and liabilities	(152)	375
Net cash used in operating activities	(1,111)	(1,201)
Investing Activities
Purchase of investments	1,598	(1,628)
Marketable securities	0	714
Disposal of premises and equipment	0	(3,311)
Transfer of fixed asset to held-for-sale	0	3,042
Proceeds from insurance claim for premises and equipment	0	60
Purchase of premises and equipment	(9)	(9)
Net cash used in investing activities	(1,589)	(1,132)
Financing activities
Proceeds from exercise of stock options	623	418
Cash dividends paid on warrants	(45)	(43)
Net cash used in financing activities	(1,603)	(1,662)
Change in cash and cash equivalents	(4,302)	(3,995)
Cash and cash equivalents at beginning of year	9,638	13,633
Cash and cash equivalents at end of year	5,336	9,638
Pathfinder Bank [Member] | Non-Voting Common Stock [Member]
Financing activities
Cash dividends paid to non-voting common shareholders	(497)	(469)
Cash dividends paid to common voting shareholders	(497)	(469)
Pathfinder Bank [Member] | Common Stock [Member]
Financing activities
Issuance costs of subordinated loan	$ (1,684)	$ (1,568)

Related Party Transactions - Sc

Related Party Transactions - Schedule of Loans to Related Parties (Details) - Directors, Executive Officers and Affiliates [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Loans to Related Parties [Roll Forward]
Balance at the beginning of the year	$ 32,531	$ 22,427
Originations and related party additions	4,360	15,278
Principal payments and related party removals	(4,149)	(5,174)
Balance at the end of the year	$ 32,742	$ 32,531

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Directors, Executive Officers and Affiliates [Member]
Related Party Transaction [Line Items]
Deposits of related parties	$ 20	$ 19.5

Assets And liabilities Held F_2

Assets And liabilities Held For Sale (Additional Information) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2023
Real Estate Held for Development and Sale [Abstract]
Real Estate Assets Held-for-sale Carrying Value		$ 3,400
Impairment Charges Of Reclassified Assets	$ 379,000

Conversion and Reorganization -

Conversion and Reorganization - Additional Information (Details) - shares	Dec. 31, 2023	Dec. 31, 2022
Conversion Of Stock [Line Items]
Common stock, shares outstanding (in shares)	4,719,288	4,651,829

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	$ 111,582	$ 110,633
Ending balance	120,256	111,582
Retirement Plans [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	(2,427)	(1,412)
Other comprehensive (loss) income before reclassifications	190	(1,017)
Amounts reclassified from AOCI	164	2
Ending balance	(2,073)	(2,427)
Unrealized Loss on Available-for-Sale Securities [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	(10,127)	428
Other comprehensive (loss) income before reclassifications	1,136	(10,673)
Amounts reclassified from AOCI	1,427	118
Ending balance	(7,564)	(10,127)
Unrealized Gain on Derivatives and Hedging Activities [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	382	(286)
Other comprehensive (loss) income before reclassifications	(350)	668
Amounts reclassified from AOCI	0	0
Ending balance	32	382
Unrealized Gain on Securities Transferred to Held-to-Maturity [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	0	2
Other comprehensive (loss) income before reclassifications	0	(2)
Amounts reclassified from AOCI	0	0
Ending balance	0	0
AOCI Attributable to Parent [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Beginning balance	(12,172)	(1,268)
Other comprehensive (loss) income before reclassifications	976	(11,024)
Amounts reclassified from AOCI	1,591	120
Ending balance	$ (9,605)	$ (12,172)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) - Summary of Amounts Reclassified Out of Each Component of AOCI (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits		$ (15,920)	$ (16,022)
Provision for income taxes		(2,362)	(2,656)
Net income		9,293	12,932
Reclassification out of Accumulated Other Comprehensive Income [Member] | Retirement Plans [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits	[1],[2]	(222)	(2)
Provision for income taxes	[1]	58	0
Net income	[1]	(164)	(2)
Reclassification out of Accumulated Other Comprehensive Income [Member] | Available-for-Sale Securities [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net gains on sales and redemptions of investment securities	[1]	(1,932)	(160)
Provision for income taxes	[1]	505	42
Net income	[1]	$ (1,427)	$ (118)
[1] Amounts in parentheses indicates debits in net income. These items are included in net periodic pension cost.

Noninterest Income - Summary of

Noninterest Income - Summary of Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Disaggregation Of Revenue [Line Items]
Earnings and gains on bank owned life insurance	$ 630	$ 589
Net gains on sales and redemptions of investment securities	62	(169)
Net realized (losses) gains on marketable equity securities	(255)	352
Gain on sales of premises and equipment	0	(250)
Other miscellaneous income	150	797
Total noninterest income	5,190	5,914
Insufficient Funds Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	686	569
Deposit Related Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	436	390
ATM Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	127	167
Service Charges on Deposit Accounts [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	1,249	1,126
Insurance Agency [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	1,304	1,128
Investment Services Revenue [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	454	446
ATM Fees Surcharge [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	225	229
Banking House Rents Collected [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	207	229
Fee Income [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	2,190	2,032
Debit Card Interchange Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	616	867
Merchant Card Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	60	70
Card Income [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	676	937
Loan Servicing Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	307	363
Net Gains (Losses) on Sale of Loans and Foreclosed Real Estate [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	181	137
Total Mortgage Fee Income and Realized Gain on Sale of Loans and Foreclosed Real Estate [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	488	500
Service Fees, Fee Income, Card Income and Mortgage Fee Income and Realized Gain on Sale of Loans and Foreclosed Real Estate [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	$ 4,603	$ 4,595

Leases - Additional Information

Leases - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Lessee Lease Description [Line Items]
Operating lease, option to extend lease term, description	Our leases have remaining lease terms that vary from less than one year up to 30 years, some of which include options to extend the leases for various renewal periods.
Operating Lease, Lease Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest
ASU 2016-02 [Member]
Lessee Lease Description [Line Items]
Lease rental income	$ 206,000	$ 228,000
Minimum [Member]
Lessee Lease Description [Line Items]
Operating leases remaining lease term	1 year
Maximum [Member]
Lessee Lease Description [Line Items]
Operating leases remaining lease term	30 years

Leases - Components of Lease Ex

Leases - Components of Lease Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Lease, Cost [Abstract]
Operating lease cost	$ 219	$ 227
Finance lease cost	$ 435	$ 111

Leases - Supplemental Cash Flow

Leases - Supplemental Cash Flow Information Related to Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Cash paid for amount included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 201	$ 211
Operating cash flows from finance leases	435	111
Financing cash flows from finance leases	$ 125	$ 90

Leases - Supplemental Balance S

Leases - Supplemental Balance Sheet Information Related to Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Operating Leases:
Operating lease right-of-use assets	$ 1,526	$ 2,098	$ 1,526
Operating lease liabilities	1,711	2,417	$ 1,711
Finance Leases:
Finance lease liabilities	4,381	4,422
Finance lease right-of-use assets	$ 4,073	$ 4,213
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Finance Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Weighted Average Remaining Lease Term:
Operating Leases	17 years 2 months 19 days	18 years 3 months 10 days
Finance Leases	27 years 4 months 6 days	28 years 4 months 6 days
Weighted Average Discount Rate:
Operating Leases	3.88%	3.85%
Finance Leases	9.40%	9.41%

Leases - Maturities of Lease Li

Leases - Maturities of Lease Liabilities (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Lessee, Operating Lease, Liability, to be Paid, Rolling Maturity [Abstract]
2024	$ 164
2025	166
2026	167
2027	177
2028	161
Thereafter	5,256
Total minimum lease payments	$ 6,091

COVID-19 - Additional Informati

COVID-19 - Additional Information (Details)	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($) Segment	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Dec. 31, 2023 Loan	Dec. 31, 2023 Segment
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding		4,063			9,505	3,093
Total loans	$ 897,781,000	$ 898,754,000
Unusual or Infrequent Item, or Both | PPP Loan [Member]
Unusual Or Infrequent Item [Line Items]
Loan origination fees			$ 4,000,000	$ 4,000,000
Unusual or Infrequent Item, or Both | PPP Loan [Member] | Interest Income [Member]
Unusual Or Infrequent Item [Line Items]
Loan origination fees	$ 0	$ 707,000

Subsequent Events - Additional

Subsequent Events - Additional Information (Details) - USD ($) $ in Thousands	Mar. 04, 2024	Dec. 31, 2023	Dec. 31, 2022
Subsequent Event [Line Items]
Total deposits		$ 1,120,067	$ 1,125,430
Subsequent Event [Member] | Pathfinder Bancorp Inc
Subsequent Event [Line Items]
Long term line of credit	$ 32,000
Total deposits	$ 198,000
Aggregate Unpaid Principal Balances	95%
Premium on the aggregate amount of non-time deposits	5.80%
Percentage Of Aggregated Core Deposits And Non Core Deposits	4%
Annual lease payment costs	$ 946,000