Pathfinder Bancorp (PBHC) 10-Q 16 Nov 20 2020 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2020	Nov. 13, 2020
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
Entity Registrant Name	PATHFINDER BANCORP, INC.
Entity Central Index Key	0001609065
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Common Stock Shares Outstanding		4,528,883
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell 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 Quarterly Report	true
Document Transition Report	false
Title of each class	Common Stock, $0.01 par value
Trading Symbol	PBHC
Name of each exchange on which registered	NASDAQ

Consolidated Statements of Cond

Consolidated Statements of Condition (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS:
Cash and due from banks (including restricted balances of $1,600 and $0, respectively)	$ 17,809	$ 8,284
Interest-earning deposits (including restricted balances of $0 and $0, respectively)	21,172	11,876
Total cash and cash equivalents	38,981	20,160
Available-for-sale securities, at fair value	119,896	111,134
Held-to-maturity securities, at amortized cost (fair value of $167,832 and $124,148, respectively)	164,460	122,988
Marketable equity securities, at fair value	1,682	534
Federal Home Loan Bank stock, at cost	4,308	4,834
Loans	819,622	745,516
Loans held-for-sale	687	35,935
Less: Allowance for loan losses	12,103	8,669
Loans receivable, net	808,206	772,782
Premises and equipment, net	22,804	22,699
Operating lease right-of-use assets	2,275	2,386
Accrued interest receivable	4,906	3,712
Foreclosed real estate		88
Intangible assets, net	137	149
Goodwill	4,536	4,536
Bank owned life insurance	17,758	17,403
Other assets	12,060	10,402
Total assets	1,202,009	1,093,807
Deposits:
Interest-bearing	840,347	774,392
Noninterest-bearing	157,886	107,501
Total deposits	998,233	881,893
Short-term borrowings	10,020	25,138
Long-term borrowings	70,206	67,987
Subordinated loans	15,154	15,128
Accrued interest payable	188	396
Operating lease liabilities	2,554	2,650
Other liabilities	10,906	9,946
Total liabilities	1,107,261	1,003,138
Shareholders' equity:
Preferred stock, par value $0.01 per share; no liquidation preference; 10,000,000 and 10,000,000 shares authorized, respectively; 1,155,283 and 1,155,283 shares issued and outstanding, respectively	12	12
Common stock, par value $0.01; 25,000,000 authorized shares; 4,753,883 and 4,709,238 shares issued and outstanding, respectively	48	47
Additional paid in capital	49,885	49,362
Retained earnings	48,696	44,839
Accumulated other comprehensive loss	(3,444)	(2,971)
Unearned ESOP	(720)	(855)
Total Pathfinder Bancorp, Inc. shareholders' equity	94,477	90,434
Noncontrolling interest	271	235
Total equity	94,748	90,669
Total liabilities and shareholders' equity	$ 1,202,009	$ 1,093,807

Consolidated Statements of Co_2

Consolidated Statements of Condition (Unaudited) (Parenthetical) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
ASSETS:
Cash and due from banks including restricted cash	$ 1,600,000	$ 0
Restricted Cash	0	0
Held-to-maturity securities at fair value	$ 167,832,000	$ 124,148,000
Shareholders' equity:
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, liquidation preference	$ 0	$ 0
Preferred stock, shares authorized (in dollars per share)	10,000,000	10,000,000
Preferred stock, shares issued (in shares)	1,155,283	1,155,283
Preferred stock, shares outstanding (in shares)	1,155,283	1,155,283
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	25,000,000	25,000,000
Common stock, shares issued (in shares)	4,753,883	4,709,238
Common stock, shares outstanding (in shares)	4,753,883	4,709,238

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest and dividend income:
Loans, including fees	$ 8,810,000	$ 8,817,000	$ 26,884,000	$ 24,614,000
Debt securities:
Taxable	1,520,000	1,770,000	4,761,000	5,224,000
Tax-exempt	50,000	11,000	109,000	170,000
Dividends	103,000	63,000	237,000	214,000
Federal funds sold and interest earning deposits	4,000	72,000	53,000	288,000
Total interest and dividend income	10,487,000	10,733,000	32,044,000	30,510,000
Interest expense:
Interest on deposits	1,616,000	2,845,000	6,376,000	7,930,000
Interest on short-term borrowings	38,000	89,000	134,000	314,000
Interest on long-term borrowings	331,000	378,000	1,215,000	1,158,000
Interest on subordinated loans	191,000	216,000	589,000	650,000
Total interest expense	2,176,000	3,528,000	8,314,000	10,052,000
Net interest income	8,311,000	7,205,000	23,730,000	20,458,000
Provision for loan losses	1,682,000	600,000	3,895,000	1,354,000
Net interest income after provision for loan losses	6,629,000	6,605,000	19,835,000	19,104,000
Noninterest income:
Earnings and gain on bank owned life insurance	133,000	133,000	355,000	355,000
Net gains on sales and redemptions of investment securities	27,000	121,000	1,076,000	232,000
Gains (losses) on marketable equity securities	118,000	4,000	(798,000)	61,000
Net gains on sales of loans and foreclosed real estate	134,000	38,000	903,000	43,000
Insurance agency revenue	217,000	170,000	739,000	631,000
Total noninterest income	1,491,000	1,286,000	4,770,000	3,598,000
Noninterest expense:
Salaries and employee benefits	3,396,000	3,275,000	9,615,000	10,379,000
Building and occupancy	788,000	699,000	2,249,000	1,986,000
Data processing	569,000	587,000	1,721,000	1,749,000
Professional and other services	282,000	352,000	899,000	1,068,000
Advertising	236,000	238,000	673,000	719,000
FDIC assessments	170,000	130,000	509,000	371,000
Audits and exams	126,000	104,000	376,000	304,000
Insurance agency expense	113,000	190,000	517,000	618,000
Community service activities	44,000	110,000	163,000	392,000
Foreclosed real estate expenses	7,000	28,000	42,000	324,000
Other expenses	499,000	569,000	1,469,000	1,622,000
Total noninterest expense	6,230,000	6,282,000	18,233,000	19,532,000
Income before income taxes	1,890,000	1,609,000	6,372,000	3,170,000
Provision for income taxes	372,000	324,000	1,266,000	750,000
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.	1,518,000	1,285,000	5,106,000	2,420,000
Net income (loss) attributable to noncontrolling interest	44,000	(10,000)	101,000	4,000
Net income attributable to Pathfinder Bancorp Inc.	1,474,000	1,295,000	5,005,000	2,416,000
Convertible preferred stock dividends	70,000	70,000	208,000	139,000
Warrant dividends	7,000	7,000	22,000	15,000
Undistributed earnings allocated to participating securities	241,000	206,000	853,000	195,000
Net income available to common shareholders	$ 1,156,000	$ 1,012,000	$ 3,922,000	$ 2,067,000
Earnings per common share - basic	$ 0.25	$ 0.22	$ 0.85	$ 0.47
Earnings per common share - diluted	0.25	0.22	0.85	0.47
Dividends per common share	$ 0.06	$ 0.06	$ 0.18	$ 0.18
Service Charges on Deposit Accounts [Member]
Noninterest income:
Noninterest income	$ 339,000	$ 399,000	$ 998,000	$ 1,029,000
Loan Servicing Fees [Member]
Noninterest income:
Noninterest income	90,000	57,000	218,000	144,000
Debit Card Interchange Fees [Member]
Noninterest income:
Noninterest income	209,000	166,000	577,000	497,000
Other Charges, Commissions & Fees [Member]
Noninterest income:
Noninterest income	$ 224,000	$ 198,000	$ 702,000	$ 606,000

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Consolidated Statements of Comprehensive Income [Abstract]
Net Income		$ 1,518	$ 1,285	$ 5,106	$ 2,420
Retirement Plans:
Retirement plan net losses recognized in plan expenses		(58)	(84)	(175)	(252)
Unrealized holding gains on available-for-sale securities:
Unrealized holding gains arising during the period		1,041	357	1,801	4,105
Reclassification adjustment for net gains included in net income		(27)	(121)	(926)	(232)
Net unrealized gains on available-for-sale securities		1,014	236	875	3,873
Derivatives and hedging activities:
Unrealized holding gains (losses) arising during the period		114		(1,413)
Net unrealized gains (losses) on derivatives and hedging activities		114		(1,413)
Accretion of net unrealized loss on securities transferred to held-to-maturity	[1]	8	6	26	22
Other comprehensive income (loss), before tax		1,194	326	(337)	4,147
Tax effect		(251)	(68)	70	(871)
Other comprehensive income (loss) , net of tax		943	258	(267)	3,276
Comprehensive income		2,461	1,543	4,839	5,696
Comprehensive income (loss), attributable to noncontrolling interest		44	(10)	101	4
Comprehensive income attributable to Pathfinder Bancorp, Inc.		2,417	1,553	4,738	5,692
Tax Effect Allocated to Each Component of Other Comprehensive Income (Loss)
Retirement plan net losses recognized in plan expenses		(13)	(17)	(37)	(54)
Unrealized holding gains on available-for-sale securities arising during the period		(220)	(75)	(379)	(861)
Reclassification adjustment for net gains included in net income		6	25	194	49
Unrealized gains (losses) on derivatives and hedging arising during the period		(23)		297
Accretion of net unrealized loss on securities transferred to held-to-maturity	[1]	(1)	(1)	(5)	(5)
Income tax effect related to other comprehensive income (loss)		$ (251)	$ (68)	$ 70	$ (871)
[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 (Unaudited) - USD ($) $ in Thousands		Total	Cumulative Effect Period Of Adoption Adjustment [Member]	[1]	Preferred Stock [Member]	Common Stock [Member]	Additional Paid in Capital [Member]	Retained Earnings [Member]	Retained Earnings [Member]Cumulative Effect Period Of Adoption Adjustment [Member]	[1]	Accumulated Other Comprehensive Loss [Member]	Unearned ESOP [Member]	Non-controlling Interest [Member]
Balance at Dec. 31, 2018		$ 64,459	$ (239)			$ 44	$ 29,139	$ 42,114	$ (239)		$ (6,042)	$ (1,034)	$ 238
Net income		2,420						2,416					4
Other comprehensive (loss) income, net of tax		3,276									3,276
Proceeds of common stock private placement, net of expenses	[2]	3,826				3	3,823
Proceeds of preferred stock private placement, net of expenses	[2]	15,370			$ 12		15,358
Effect of warrant issued from private placement	[2]	373					373
ESOP shares earned		258					123					135
Stock based compensation		220					220
Stock options exercised		200					200
Common stock dividends declared		(805)						(805)
Preferred stock dividends declared		(139)						(139)
Warrant dividends declared		(15)						(15)
Distributions from affiliates		(13)											(13)
Balance at Sep. 30, 2019		89,191			12	47	49,236	43,332			(2,766)	(899)	229
Balance at Jun. 30, 2019		87,844			12	47	49,125	42,389			(3,024)	(944)	239
Net income		1,285						1,295					(10)
Other comprehensive (loss) income, net of tax		258									258
ESOP shares earned		82					37					45
Stock based compensation		74					74
Common stock dividends declared		(275)						(275)
Preferred stock dividends declared		(70)						(70)
Warrant dividends declared		(7)						(7)
Balance at Sep. 30, 2019		89,191			12	47	49,236	43,332			(2,766)	(899)	229
Balance at Dec. 31, 2019		90,669			12	47	49,362	44,839			(2,971)	(855)	235
Net income		5,106						5,005					101
Reevaluation of deferred tax asset valuation allowance	[3]	(206)									(206)
Other comprehensive (loss) income, net of tax		(267)									(267)
ESOP shares earned		203					68					135
Stock based compensation		212					212
Stock options exercised		195				1	194
Common stock dividends declared		(836)						(836)
Preferred stock dividends declared		(208)						(208)
Warrant dividends declared		(22)						(22)
Capital transfer from affiliates							7						(7)
Cumulative effect of affiliate capital allocation							42	(82)					40
Distributions from affiliates		(98)											(98)
Balance at Sep. 30, 2020		94,748			12	48	49,885	48,696			(3,444)	(720)	271
Balance at Jun. 30, 2020		92,607			12	48	49,747	47,660			(4,387)	(765)	292
Net income		1,518						1,474					44
Other comprehensive (loss) income, net of tax		943									943
ESOP shares earned		61					16					45
Stock based compensation		73					73
Common stock dividends declared		(279)						(279)
Preferred stock dividends declared		(70)						(70)
Warrant dividends declared		(7)						(7)
Capital transfer from affiliates							7						(7)
Cumulative effect of affiliate capital allocation							42	(82)					40
Distributions from affiliates		(98)											(98)
Balance at Sep. 30, 2020		$ 94,748			$ 12	$ 48	$ 49,885	$ 48,696			$ (3,444)	$ (720)	$ 271
[1]	Cumulative effect of the adoption of ASU 2016-02, Leases (Topic 842), based on the difference in the right-of-use asset and lease liability as of January 1, 2019.
[2]	On May 8, 2019, the Company entered into a Securities Purchase Agreement with an institutional investor, in which it sold: (i) 37,700 shares of the Company’s common stock, (ii) 1,155,283 shares of a new series of preferred stock, Series B convertible perpetual preferred stock; and (iii) a warrant to purchase 125,000 shares of common stock in a private placement transaction. The Company also entered into Subscription Agreements with certain directors and executive officers of the Company as well as other accredited investors. Pursuant to the Subscription Agreements, the investors purchased an aggregate of 269,277 shares of common stock.
[3]	Management has determined that the Company, under the provisions of the current New York State (“NYS”) tax code as adopted by the Company, was unlikely to incur a material NYS tax liability in the foreseeable future. As a result, certain net current and deferred tax assets, related to GAAP vs. NYS tax timing differences, established in prior years under the previously-applicable NYS tax laws, were no longer going to be beneficial in reducing future tax liabilities. The substantial majority of these net deferred tax assets had been offset in prior periods by the establishment of a related valuation allowance. On January 1, 2020 the Company eliminated its remaining NYS net deferred tax asset balances and the related, substantially offsetting, valuation allowance. The net effect of these eliminations required an adjustment to other comprehensive income balances and had no effect on 2020 reported earnings.

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	May 08, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
ESOP shares earned (in shares)		6,111	6,111	18,332	18,332
Restricted stock awards/units (in shares)				13,437	13,436
Dividends per common share		$ 0.06	$ 0.06	$ 0.18	$ 0.18
Dividends per preferred share		0.06	0.06	0.18	0.12
Dividends per warrant		$ 0.06	$ 0.06	$ 0.18	$ 0.12
Private Placement [Member] | Securities Purchase Agreement [Member]
Warrant to purchase common stock	125,000
Private Placement [Member] | Securities Purchase Agreement [Member] | Series B Preferred Stock [Member]
Sale of stock	1,155,283
Private Placement [Member] | Securities Purchase Agreement [Member] | Common Stock [Member]
Sale of stock	37,700
Private Placement [Member] | Subscription Agreements [Member] | Common Stock [Member] | Directors and Executive Officers [Member]
Sale of stock	269,277

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
OPERATING ACTIVITIES
Net income attributable to Pathfinder Bancorp, Inc.	$ 5,005,000	$ 2,416,000
Adjustments to reconcile net income to net cash flows from operating activities:
Provision for loan losses	3,895,000	1,354,000
Amortization of operating leases	15,000	21,000
Proceeds from sales of loans	43,753,000	912,000
Originations of loans held-for-sale	(7,597,000)	(903,000)
Realized losses (gains) on sales, redemptions and calls of:
Real estate acquired through foreclosure	5,000	(24,000)
Loans	(908,000)	(19,000)
Available-for-sale investment securities	(1,042,000)	(246,000)
Held-to-maturity investment securities	(34,000)	14,000
Marketable equity securities	798,000	(61,000)
Depreciation	1,249,000	1,133,000
Amortization of mortgage servicing rights	(325,000)	(2,000)
Amortization of deferred loan costs	355,000	194,000
Amortization of deferred financing from subordinated debt	26,000	25,000
Earnings and gain on bank owned life insurance	(355,000)	(355,000)
Net amortization of premiums and discounts on investment securities	1,572,000	861,000
Amortization of intangible assets	12,000	12,000
Stock based compensation and ESOP expense	415,000	478,000
Net change in accrued interest receivable	(1,194,000)	(245,000)
Net change in other assets and liabilities	(573,000)	990,000
Net cash flows from operating activities	45,072,000	6,555,000
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(107,075,000)	(50,479,000)
Purchase of investment securities held-to-maturity	(75,234,000)	(72,346,000)
Purchase of Federal Home Loan Bank stock	(3,016,000)	(6,125,000)
Proceeds from redemption of Federal Home Loan Bank stock	2,490,000	7,852,000
Proceeds from maturities and principal reductions of investment securities available-for-sale	71,970,000	24,935,000
Proceeds from maturities and principal reductions of investment securities held-to-maturity	31,730,000	11,273,000
Proceeds from sales, redemptions and calls of:
Available-for-sale investment securities	24,795,000	86,555,000
Held-to-maturity investment securities	1,701,000	549,000
Real estate acquired through foreclosure	132,000	1,552,000
Net change in loans	(74,980,000)	(106,657,000)
Purchase of premises and equipment	(1,354,000)	(2,921,000)
Net cash flows from investing activities	(128,841,000)	(105,812,000)
FINANCING ACTIVITIES
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits	130,534,000	17,133,000
Net change in time deposits	(51,337,000)	49,401,000
Net change in brokered deposits	37,144,000	66,015,000
Net change in short-term borrowings	(15,118,000)	(20,762,000)
Payments on long-term borrowings	(32,331,000)	(26,200,000)
Proceeds from long-term borrowings	34,550,000	7,680,000
Proceeds from exercise of stock options	195,000	200,000
Cash dividends paid to common shareholders	(852,000)	(808,000)
Cash dividends paid to preferred shareholders	(208,000)	(69,000)
Cash dividends paid on warrants	(22,000)	(8,000)
Proceeds from finance lease transaction	0	572,000
Change in noncontrolling interest, net	36,000	(9,000)
Net cash flows from financing activities	102,590,000	112,714,000
Change in cash and cash equivalents	18,821,000	13,457,000
Cash and cash equivalents at beginning of period	20,160,000	26,316,000
Cash and cash equivalents at end of period	38,981,000	39,773,000
CASH PAID DURING THE PERIOD FOR:
Interest	8,522,000	9,888,000
Income taxes	1,850,000	300,000
NON-CASH INVESTING ACTIVITY
Real estate acquired in exchange for loans	58,000	503,000
RESTRICTED CASH
Collateral deposits for hedge position included in cash and due from banks	1,600,000	0
Common Stock [Member]
FINANCING ACTIVITIES
Net proceeds from private placement	0	4,199,000
Preferred Stock [Member]
FINANCING ACTIVITIES
Net proceeds from private placement	$ 0	$ 15,370,000

Basis of Presentation

Basis of Presentation	9 Months Ended
	Sep. 30, 2020
Organization Consolidation And Presentation Of Financial Statements [Abstract]
Basis of Presentation	Note 1: Basis of Presentation The accompanying unaudited consolidated financial statements of Pathfinder Bancorp, Inc., (the “Company”), Pathfinder Bank (the “Bank”) and its other wholly owned subsidiaries have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information, the instructions for Form 10-Q and Article 8 of Regulation S-X. Accordingly, they do not include all of the information and footnotes necessary for a complete presentation of consolidated financial condition, results of operations and cash flows in conformity with generally accepted accounting principles. In the opinion of management, all adjustments, consisting of normal recurring accruals considered necessary for a fair presentation, have been included. Certain amounts in the 2019 consolidated financial statements may have been reclassified to conform to the current period presentation. These reclassifications had no effect on net income or comprehensive income as previously reported. Operating results for the three and nine months ended September 30, 2020 are not necessarily indicative of the results that may be expected for the full year ending December 31, 2020 or any other interim period. The Company's consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States and follow practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions, and judgments. Certain accounting policies inherently have a greater reliance on the use of estimates, assumptions, and judgments and as such have a greater possibility of producing results that could be materially different than originally reported. Estimates, assumptions, and judgments are necessary when assets and liabilities are required to be recorded at fair value or when an asset or liability needs to be recorded contingent upon a future event. Carrying assets and liabilities at fair value inherently results in more financial statement volatility. The fair values and information used to record valuation adjustments for certain assets and liabilities are based on quoted market prices or are provided by unaffiliated third-party sources, when available. When third party information is not available, valuation adjustments are estimated in good faith by management. Although the Company owns, through its subsidiary Pathfinder Risk Management Company, Inc., 51% of the membership interest in FitzGibbons Agency, LLC (“Agency”), the Company is required to consolidate 100% of the Agency 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.

New Accounting Pronouncements

New Accounting Pronouncements	9 Months Ended
	Sep. 30, 2020
New Accounting Pronouncements And Changes In Accounting Principles [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 generally accepted accounting principles (“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 the accounting standards that are not currently effective, but could have an impact on the Company's consolidated financial statements upon adoption. Standards Not Yet Adopted as of September 30, 2020 Standard Description Required Date of Implementation 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 replaces the current incurred loss model for determining the allowance for credit losses. The guidance requires financial assets measured at amortized cost to be presented at the net amount expected to be collected. The allowance for credit losses will represent 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 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 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 available-for-sale debt securities to be recorded through an allowance for credit losses. The calculation of credit losses for available-for-sale securities will be similar to how it is determined under existing guidance. January 1, 2023 (early adoption permitted as of January 1, 2019) The Company is assessing the new guidance to determine what modifications to existing credit estimation processes may be required. The new guidance is complex and management is still evaluating the preliminary output from models that have been developed during this evaluative phase. In addition, future levels of allowances will also reflect new requirements to include estimated credit losses on investment securities classified as held-to-maturity, if any. The Company has formed an Implementation Committee, whose membership includes representatives of senior management, to develop plans that will encompass: (1) internal methodology changes (2) data collection and management activities, (3) internal communication requirements, and (4) estimation of the projected impact of this guidance. It has been generally assumed that the conversion from the incurred loss model, required under current GAAP, to the current expected credit loss (CECL) methodology (as required upon implementation of this Update) will, more likely than not, result in increases to the allowances for credit losses at many financial institutions. However, the amount of any change in the allowance for credit losses resulting from the new guidance will ultimately be impacted by the provisions of this guidance as well as by the loan and debt security portfolios composition and asset quality at the adoption date, and economic conditions and forecasts at the time of adoption. The amendments in this Update should be applied on a modified retrospective basis by means of a cumulative-effect adjustment to the opening retained earnings balance in the statement of financial position as of the date that an entity adopted the amendments in Update 2016-13. The cumulative impact of the economic effects of the COVID-19 pandemic on the changes to the allowance for loan losses, that will be required upon the implementation of the CECL methodology, can not be estimated at this time. Standard Description Required Date of Implementation Effect on Consolidated Financial Statements Transition Relief for the Implementation of ASU-2016-13 (ASU 2019-5: Financial Instruments—Credit Losses [Topic 326]: Targeted Transition Relief) The amendments in this ASU provide entities that have certain instruments within the scope of Subtopic 326-20, Financial Instruments—Credit Losses—Measured at Amortized Cost Financial Instruments—Overall Fair Value Measurement—Overall See comments above related to ASU 2016-13. See comments above related to ASU 2016-13. Standard Description Required Date of Implementation Effect on Consolidated Financial Statements Compensation (ASU 2018-14: Compensation - Retirement Benefits - Defined Benefit Plans - General [Subtopic 715 – 20]: Disclosure Framework - Changes to the Disclosure Requirements for Defined Benefit Plans) The FASB is issuing the amendments in this ASU as part of the disclosure framework project. The amendments in this ASU modify the disclosure requirements for employers that sponsor defined benefit pension or other postretirement plans. The following disclosure requirements are removed from Subtopic 715-20: 1. The amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next fiscal year. 2. The amount and timing of plan assets expected to be returned to the employer. 3. Related party disclosures about the amount of future annual benefits covered by insurance and annuity contracts and significant transactions between the employer or related parties and the plan. 4. The effects of a one-percentage-point change in assumed health care cost trend rates on the (a) aggregate of the service and interest cost components of net periodic benefit costs and (b) benefit obligation for postretirement health care benefits. The following disclosure requirements are added to Subtopic 715-20: 1. The weighted-average interest crediting rates for cash balance plans and other plans with promised interest crediting rates. 2. An explanation of the reasons for significant gains and losses related to changes in the benefit obligation for the period. The amendments in this ASU also clarify the disclosure requirements in paragraph 715-20-50-3, which state that the following information for defined benefit pension plans should be disclosed: 1. The projected benefit obligation (PBO) and fair value of plan assets for plans with PBOs in excess of plan assets. 2. The accumulated benefit obligation (ABO) and fair value of plan assets for plans with ABOs in excess of plan assets. The amendments in this ASU are effective for fiscal years ending after December 15, 2020, for public business entities and for fiscal years ending after December 15, 2021, for all other entities. Early adoption is permitted for all entities. The Company does not expect the new guidance will have a material impact to its consolidated statements of condition or income. Standard Description Required Date of Implementation Effect on Consolidated Financial Statements Investments (ASU 2020-01- Equity Securities [Topic 321], Investments—Equity Method and Joint Ventures [Topic 323], and Derivatives and Hedging [Topic 815]—Clarifying the Interactions between Topic 321, Topic 323, and Topic 815) The amendments in this Update clarify the interaction of the accounting for equity securities under Topic 321 and investments accounted for under the equity method of accounting in Topic 323 and the accounting for certain forward contracts and purchased options accounted for under Topic 815. The amendments clarify that an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting for the purposes of applying the measurement alternative in accordance with Topic 321 immediately before applying or upon discontinuing the equity method. The amendments clarify that for the purpose of applying paragraph 815-10-15-141(a) an entity should not consider whether, upon the settlement of the forward contract or exercise of the purchased option, individually or with existing investments, the underlying securities would be accounted for under the equity method in Topic 323 or the fair value option in accordance with the financial instruments guidance in Topic 825. An entity also would evaluate the remaining characteristics in paragraph 815-10-15-141 to determine the accounting for those forward contracts and purchased options. The amendments in this ASU are effective for fiscal years ending after December 15, 2020, for public business entities and for fiscal years ending after December 15, 2021, for all other entities. Early adoption is permitted for all entities. The amendments in this Update should be applied prospectively. The Company does not expect the new guidance will have a material impact to its consolidated statements of condition or income. Standard Description Required Date of Implementation Effect on Consolidated Financial Statements Income Taxes (ASU 2019-12- Simplifying the Accounting for Income Taxes) The FASB Board is issuing this Update as part of its initiative to reduce complexity in accounting standards (the Simplification Initiative). The amendments in this Update simplify the accounting for income taxes by removing the following exceptions, among others not considered to be applicable to the Company: 1. Exception to the incremental approach for intraperiod tax allocation when there is a loss from continuing operations and income or a gain from other items (for example, discontinued operations or other comprehensive income) 2. Exception to the general methodology for calculating income taxes in an interim period when a year-to-date loss exceeds the anticipated loss for the year. The amendments in this Update also simplify the accounting for income taxes by doing the following: 1. Requiring that an entity recognize a franchise tax (or similar tax) that is partially based on income as an income-based tax and account for any incremental amount incurred as a non-income-based tax. 2. Requiring that an entity evaluate when a step up in the tax basis of goodwill should be considered part of the business combination in which the book goodwill was originally recognized and when it should be considered a separate transaction. 3. Specifying that an entity is not required to allocate the consolidated amount of current and deferred tax expense to a legal entity that is not subject to tax in its separate financial statements. However, an entity may elect to do so (on an entity-by-entity basis) for a legal entity that is both not subject to tax and disregarded by the taxing authority. 4. Requiring that an entity reflect the effect of an enacted change in tax laws or rates in the annual effective tax rate computation in the interim period that includes the enactment date. 5. Making minor Codification improvements for income taxes related to employee stock ownership plans and investments in qualified affordable housing projects accounted for using the equity method. The amendments in this ASU are effective for fiscal years ending after December 15, 2020, for public business entities and for fiscal years ending after December 15, 2021, for all other entities. Early adoption of the amendments is permitted, including adoption in any interim period for (1) public business entities for periods for which financial statements have not yet been issued and (2) all other entities for periods for which financial statements have not yet been made available for issuance. An entity that elects to early adopt the amendments in an interim period should reflect any adjustments as of the beginning of the annual period that includes that interim period. Additionally, an entity that elects early adoption must adopt all the amendments in the same period. The amendments in this Update related to separate financial statements of legal entities that are not subject to tax should be applied on a retrospective basis for all periods presented. The amendments related to changes in ownership of foreign equity method investments or foreign subsidiaries should be applied on a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year of adoption. The amendments related to franchise taxes that are partially based on income should be applied on either a retrospective basis for all periods presented or a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year of adoption. All other amendments should be applied on a prospective basis. The Company does not expect the new guidance will have a material impact to its consolidated statements of condition or income. Standard Description Required Date of Implementation Effect on Consolidated Financial Statements Financial Instruments—Credit Losses (ASU 2019-11- Codification Improvements to Topic 326) On June 16, 2016, the FASB issued Accounting Standards Update No. 2016-13, Financial Instruments—Credit Losses (Topic 326) Financial Instruments—Credit Losses The amendments in this Update clarify or address stakeholders' specific issues about certain aspects of the amendments in Update 2016-13 as described below: 1. Expected Recoveries for Purchased Financial Assets with Credit Deterioration (PCDs): The amendments clarify that the allowance for credit losses for PCD assets should include in the allowance for credit losses expected recoveries of amounts previously written off and expected to be written off by the entity and should not exceed the aggregate of amounts of the amortized cost basis previously written off and expected to be written off by an entity. In addition, the amendments clarify that when a method other than a discounted cash flow method is used to estimate expected credit losses, expected recoveries should not include any amounts that result in an acceleration of the noncredit discount. An entity may include increases in expected cash flows after acquisition. 2. Transition Relief for Troubled Debt Restructurings (TDRs): The amendments provide transition relief by permitting entities an accounting policy election to adjust the effective interest rate on existing TDRs using prepayment assumptions on the date of adoption of Topic 326 rather than the prepayment assumptions in effect immediately before the restructuring. 3. Disclosures Related to Accrued Interest Receivables: The amendments extend the disclosure relief for accrued interest receivable balances to additional relevant disclosures involving amortized cost basis. 4. Financial Assets Secured by Collateral Maintenance Provisions: The amendments clarify that an entity should assess whether it reasonably expects the borrower will be able to continually replenish collateral securing the financial asset to apply the practical expedient. The amendments clarify that an entity applying the practical expedient should estimate expected credit losses for any difference between the amount of the amortized cost basis that is greater than the fair value of the collateral securing the financial asset (that is, the unsecured portion of the amortized cost basis). An entity may determine that the expectation of nonpayment for the amount of the amortized cost basis equal to the fair value of the collateral securing the financial asset is zero. 5. Conforming Amendment to Subtopic 805-20: The amendment to Subtopic 805-20, Business Combinations—Identifiable Assets and Liabilities, and Any Noncontrolling Interest January 1, 2023 (early adoption permitted as of January 1, 2019). The effective dates and transition requirements for the amendments are the same as the effective dates and transition requirements in Update 2016-13. The Company is assessing the new guidance to determine what modifications to existing credit estimation processes may be required. The new guidance is complex and management is still evaluating the preliminary output from models that have been developed during this evaluative phase. In addition, future levels of allowances will also reflect new requirements to include estimated credit losses on investment securities classified as held-to-maturity, if any. The Company has formed an Implementation Committee, whose membership includes representatives of senior management, to develop plans that will encompass: (1) internal methodology changes (2) data collection and management activities, (3) internal communication requirements, and (4) estimation of the projected impact of this guidance. It has been generally assumed that the conversion from the incurred loss model, required under current GAAP, to the CECL methodology will, more likely than not, result in increases to the allowances for credit losses at many financial institutions. However, the amount of any change in the allowance for credit losses resulting from the new guidance will ultimately be impacted by the provisions of this guidance as well as by the loan and debt security portfolios composition and asset quality at the adoption date, and economic conditions and forecasts at the time of adoption. The amendments in this Update should be applied on a modified retrospective basis by means of a cumulative-effect adjustment to the opening retained earnings balance in the statement of financial position as of the date that an entity adopted the amendments in Update 2016-13. Standard Description Required Date of Implementation Effect on Consolidated Financial Statements Reference Rate Reform (ASU 2020-04- Facilitation of the Effects of Reference Rate Reform on Financial Reporting) 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. The amendments in this Update are effective for all entities as of March 12, 2020 through December 31, 2022. The amendments for contract modifications can be elected to be applied as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or prospectively from a date within an interim period that includes or is subsequent to March 12, 2020. The amendments for existing hedging relationships can be elected to be applied as of the beginning of the interim period that includes March 12, 2020 and to new eligible hedging relationships entered into after the beginning of the interim period that includes March 12, 2020. The Company does not expect that the guidance will have a material effect on its on its consolidated statements of condition or income.

Earnings per Common Share

Earnings per Common Share	9 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
Earnings per Common Share	Note 3: Earnings per Common Share The Company entered into a securities purchase agreement with Castle Creek Capital Partners VII, L.P. on May 8, 2019, pursuant to which the Company sold: (i) 37,700 shares of the Company’s common stock, par value $0.01 per share, at a purchase price of $14.25 per share; (ii) 1,155,283 shares of a new series of preferred stock, Series B convertible perpetual preferred stock, par value $0.01 per share, at a purchase price of $14.25 per share; and (iii) a warrant, with an approximate fair value of $373,000, to purchase 125,000 shares of common stock of the Company at an exercise price equal to $14.25 per share, in a private placement transaction (the “Private Placement”) for gross proceeds of approximately $17.0 million. As a result of the securities purchase agreement, the Company has common stock, preferred stock and a warrant that are all eligible to participate in dividends equal to the common stock dividends on a per share basis. Securities that participate in dividends, such as the Company’s preferred stock and warrant, are considered “participating securities.” The Company calculates net income available to 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 256,145 for the three months ended September 30, 2020 and 170,763 for the nine months ended September 30, 2020 and were -0- for the three and nine months ended September 30, 2019. The following table sets forth the calculation of basic and diluted earnings per share. Three months ended Nine months ended September 30, September 30, (In thousands, except per share data) 2020 2019 2020 2019 Net income attributable to Pathfinder Bancorp, Inc. $ 1,474 $ 1,295 $ 5,005 $ 2,416 Convertible preferred stock dividends 70 70 208 139 Warrant dividends 7 7 22 15 Undistributed earnings allocated to participating securities 241 206 853 195 Net income available to common shareholders $ 1,156 $ 1,012 $ 3,922 $ 2,067 Basic weighted average common shares outstanding 4,650 4,579 4,632 4,423 Effect of assumed exercise of stock options and unvested restricted stock units - - - - Diluted weighted average common shares outstanding 4,650 4,579 4,632 4,423 Basic earnings per common share $ 0.25 $ 0.22 $ 0.85 $ 0.47 Diluted earnings per common share $ 0.25 $ 0.22 $ 0.85 $ 0.47

Investment Securities

Investment Securities	9 Months Ended
	Sep. 30, 2020
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: September 30, 2020 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 $ 21,524 $ 9 $ (26 ) $ 21,507 State and political subdivisions 16,881 95 (18 ) 16,958 Corporate 11,356 249 (16 ) 11,589 Asset backed securities 11,891 41 (71 ) 11,861 Residential mortgage-backed - US agency 12,992 303 (18 ) 13,277 Collateralized mortgage obligations - US agency 26,054 172 (453 ) 25,773 Collateralized mortgage obligations - Private label 18,410 409 (94 ) 18,725 Total 119,108 1,278 (696 ) 119,690 Equity investment securities: Common stock - financial services industry 206 - - 206 Total 206 - - 206 Total available-for-sale $ 119,314 $ 1,278 $ (696 ) $ 119,896 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 1,000 $ 6 $ - $ 1,006 State and political subdivisions 12,645 523 (68 ) 13,100 Corporate 29,671 1,065 (157 ) 30,579 Asset backed securities 20,065 176 (275 ) 19,966 Residential mortgage-backed - US agency 12,671 568 (32 ) 13,207 Collateralized mortgage obligations - US agency 27,377 987 (1 ) 28,363 Collateralized mortgage obligations - Private label 61,031 702 (122 ) 61,611 Total held-to-maturity $ 164,460 $ 4,027 $ (655 ) $ 167,832 December 31, 2019 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 $ 16,850 $ - $ (30 ) $ 16,820 State and political subdivisions 1,735 1 - 1,736 Corporate 12,347 230 (23 ) 12,554 Asset backed securities 13,190 61 (19 ) 13,232 Residential mortgage-backed - US agency 19,012 56 (88 ) 18,980 Collateralized mortgage obligations - US agency 31,320 35 (570 ) 30,785 Collateralized mortgage obligations - Private label 16,767 97 (43 ) 16,821 Total 111,221 480 (773 ) 110,928 Equity investment securities: Common stock - financial services industry 206 - - 206 Total 206 - - 206 Total available-for-sale $ 111,427 $ 480 $ (773 ) $ 111,134 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 1,998 $ 2 $ - $ 2,000 State and political subdivisions 8,534 124 (4 ) 8,654 Corporate 25,779 584 (29 ) 26,334 Asset backed securities 23,099 101 (115 ) 23,085 Residential mortgage-backed - US agency 13,715 247 (3 ) 13,959 Collateralized mortgage obligations - US agency 19,607 300 (29 ) 19,878 Collateralized mortgage obligations - Private label 30,256 35 (53 ) 30,238 Total held-to-maturity $ 122,988 $ 1,393 $ (233 ) $ 124,148 The amortized cost and estimated fair value of debt investments at September 30, 2020 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 $ 15,578 $ 15,581 $ 1,876 $ 1,893 Due after one year through five years 8,573 8,727 16,774 17,339 Due after five years through ten years 14,518 14,594 24,730 25,266 Due after ten years 22,983 23,013 20,001 20,153 Sub-total 61,652 61,915 63,381 64,651 Residential mortgage-backed - US agency 12,992 13,277 12,671 13,207 Collateralized mortgage obligations - US agency 26,054 25,773 27,377 28,363 Collateralized mortgage obligations - Private label 18,410 18,725 61,031 61,611 Totals $ 119,108 $ 119,690 $ 164,460 $ 167,832 The Company’s 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, are as follows: September 30, 2020 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 - $ - $ - 1 $ (26 ) $ 4,953 1 $ (26 ) $ 4,953 State and political subdivisions 1 (18 ) 2,592 - - - 1 (18 ) 2,592 Corporate 3 (16 ) 2,257 - - - 3 (16 ) 2,257 Asset backed securities 7 (67 ) 9,217 1 (4 ) 194 8 (71 ) 9,411 Residential mortgage-backed - US agency 1 (18 ) 1,790 - - - 1 (18 ) 1,790 Collateralized mortgage obligations - US agency 1 (22 ) 2,080 2 (431 ) 5,902 3 (453 ) 7,982 Collateralized mortgage obligations - Private label 3 (22 ) 4,077 4 (72 ) 2,806 7 (94 ) 6,883 Totals 16 $ (163 ) $ 22,013 8 $ (533 ) $ 13,855 24 $ (696 ) $ 35,868 Held-to-Maturity Portfolio State and political subdivisions 2 $ (68 ) $ 5,035 - $ - $ - 2 $ (68 ) $ 5,035 Corporate 4 (157 ) 3,574 - - - 4 (157 ) 3,574 Asset backed securities 5 (81 ) 5,288 3 (194 ) 5,135 8 (275 ) 10,423 Residential mortgage-backed - US agency 1 (32 ) 1,982 - - - 1 (32 ) 1,982 Collateralized mortgage obligations - US agency 1 (1 ) 1,514 - - - 1 (1 ) 1,514 Collateralized mortgage obligations - Private label 5 (111 ) 7,518 1 (11 ) 855 6 (122 ) 8,373 Totals 18 $ (450 ) $ 24,911 4 $ (205 ) $ 5,990 22 $ (655 ) $ 30,901 December 31, 2019 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 4 $ (30 ) $ 16,820 - $ - $ - 4 $ (30 ) $ 16,820 Corporate 1 (23 ) 786 - - - 1 (23 ) 786 Asset backed securities 3 (7 ) 5,211 1 (12 ) 594 4 (19 ) 5,805 Residential mortgage-backed - US agency 10 (77 ) 10,709 4 (11 ) 2,543 14 (88 ) 13,252 Collateralized mortgage obligations - US agency 10 (67 ) 15,791 10 (503 ) 10,034 20 (570 ) 25,825 Collateralized mortgage obligations - Private label 2 (7 ) 3,818 5 (36 ) 3,959 7 (43 ) 7,777 Totals 30 $ (211 ) $ 53,135 20 $ (562 ) $ 17,130 50 $ (773 ) $ 70,265 Held-to-Maturity Portfolio State and political subdivisions 1 $ (4 ) $ 3,027 - $ - $ - 1 $ (4 ) $ 3,027 Corporate 2 (29 ) 2,974 - - - 2 (29 ) 2,974 Asset backed securities 6 (115 ) 11,091 - - - 6 (115 ) 11,091 Residential mortgage-backed - US agency - - - 1 (3 ) 198 1 (3 ) 198 Collateralized mortgage obligations - US agency 2 (29 ) 4,907 - - - 2 (29 ) 4,907 Collateralized mortgage obligations - Private label 6 (49 ) 9,396 2 (4 ) 1,132 8 (53 ) 10,528 Totals 17 $ (226 ) $ 31,395 3 $ (7 ) $ 1,330 20 $ (233 ) $ 32,725 Excluding the effects of changes in the characteristics of individual debt securities that potentially give rise to other-than-temporary impairment (“OTTI”), as described below, the fair market value of a debt security as of a particular measurement date is highly dependent upon prevailing market and economic environmental factors at the measurement date relative to the prevailing market and economic environmental factors present at the time the debt security was acquired. The most significant market and environmental factors include, but are not limited to (1) the general level of interest rates, (2) the relationship between shorter-term interest rates and longer-term interest rates (referred to as the “slope” of the interest rate yield curve), (3) general bond market liquidity, (4) the recent and expected near-term volume of new issuances of similar debt securities, and (5) changes in the market values of individual loan collateral underlying mortgage-backed debt securities. Changes in interest rates affect the fair market values of debt securities by influencing the discount rate applied to the securities’ future expected cash flows. The higher the discount rate, the lower the resultant security price. Conversely, the lower the discount rate, the higher the resultant security price. In addition, the cumulative amount and timing of undiscounted cash flows of debt securities may be also affected by changes in interest rates. For any given level of movement in the general market and economic environmental factors described above, the magnitude of any particular debt security’s price changes will also depend heavily upon security-specific factors such as (1) the duration of the security, (2) imbedded optionality contractually granted to the issuer of the security with respect to principal prepayments, and (3) changes in the level of market premiums demanded by investors for securities with imbedded credit risk (where applicable). The Company conducts a formal review of investment securities on a quarterly basis for the presence of OTTI. The Company assesses whether OTTI 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, OTTI 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 OTTI is recognized in earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income (“OCI”). Non-credit-related OTTI is based on other factors, including illiquidity and changes in the general interest rate environment. Presentation of OTTI 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. The gross OTTI would then be offset by the amount of non-credit-related OTTI, showing the net as the impact on earnings. Management does not believe any individual unrealized loss in securities within the portfolio as of September 30, 2020 represents OTTI. At September 30, 2020, the Bank had the following securities, in a loss position for 12 months or more relative to their amortized historical cost, which were deemed to have no credit impairment, thus, the disclosed unrealized losses relate directly to changes in interest rates subsequent to the acquisition of the individual securities. The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to the recovery of the amortized cost. Of the total of 12 securities in an unrealized loss position for 12 months or more at September 30, 2020, three securities, representing 54.4% of the unamortized cost of the total securities in an unrealized loss position for 12 months or more, are issued by United States agencies or GSEs and consist of mortgage-backed securities, collateralized mortgage obligations and direct agency financings. These positions in US government agency and GSEs are deemed to have no credit impairment, thus, the disclosed unrealized losses relate primarily to changes in prepayment assumptions related to significantly lower general interest rates resulting from the economic effects of the pandemic. In addition to these securities, the Company held the following ten non-government-issued/backed securities that were in an unrealized loss position for 12 or more months at September 30, 2020: • One privately-issued asset-backed security, categorized as available-for-sale, with an amortized historical cost of $198,000 and an aggregate market value of $194,000 (unrealized loss of $4,000 or -2.1%). This security maintains a credit rating established by one or more nationally-recognized statistical rating organizations (NRSRO) above the minimum level required to be considered as investment grade and therefore, no credit-related OTTI is deemed to be present. • Four privately-issued collateralized mortgage obligation securities, categorized as available-for-sale, with an aggregate amortized historical cost of $2.9 million and an aggregate market value of $2.8 million (unrealized aggregate loss of $72,000 or -2.6%). These securities were not rated at the time of their issuances by any NRSRO but each security remains significantly collateralized through subordination and other credit enhancement mechanisms. Therefore, no credit-related OTTI is deemed to be present. • One privately-issued asset-backed security, categorized as held-to-maturity and collateralized by privately-issued student loans, with an aggregate amortized historical cost of $2.0 million and an aggregate market value of $1.9 million (aggregate unrealized loss of $136,000 or -6.7%). This security was not rated at the time of its issuance by any NRSRO but remains significantly collateralized through subordination. Therefore, no credit-related OTTI is deemed to be present. • One privately-issued asset-backed security, categorized as held-to-maturity and collateralized by federally-insured student loans, with an aggregate amortized historical cost of $2.0 million and an aggregate market value of $2.0 million (aggregate unrealized loss of $27,000 or -1.4%). This security currently maintains the highest investment grade rating by one or more NRSROs and continues to be significantly collateralized through subordination. Therefore, no credit-related OTTI is deemed to be present. • One privately-issued asset-backed security, categorized as held-to-maturity, with an aggregate amortized historical cost of $1.3 million and an aggregate market value of $1.3 million (aggregate unrealized loss of $31,000 or -2.4%). This security was not rated at the time of its issuance by any NRSRO but remains significantly collateralized through subordination and other credit enhancements. Therefore, no credit-related OTTI is deemed to be present. • One privately-issued collateralized mortgage obligation security, categorized as held-to-maturity, with an aggregate amortized historical cost of $866,000 and an aggregate market value of $855,000 (aggregate unrealized loss of $11,000 or -1.3%). This security maintains a current investment grade rating by one or more NRSROPs and remains significantly collateralized through subordination. Therefore, no credit-related OTTI is deemed to be present. All other securities with market values less than their amortized historical costs for twelve or more months are issued by United States agencies or government sponsored enterprises and consist of mortgage-backed securities, collateralized mortgage obligations and direct agency financings. These positions in US government agency and government-sponsored enterprises are deemed to have no credit impairment, thus, the disclosed unrealized losses relate directly to changes in interest rates subsequent to the acquisition of the individual securities. The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to the recovery of the amortized cost. In determining whether OTTI has occurred for equity securities, the Company considers the applicable factors described above and the length of time the equity security’s fair value has been below the carrying amount. The Company had no equity investment securities that were impaired at September 30, 2020 or December 31, 2019. Gross realized gains (losses) on sales of securities for the indicated periods are detailed below: For the three months For the nine months ended September 30, ended September 30, (In thousands) 2020 2019 2020 2019 Realized gains on investments $ 41 $ 143 $ 1,107 $ 544 Realized losses on investments (14 ) (22 ) (31 ) (312 ) $ 27 $ 121 $ 1,076 $ 232 As of September 30, 2020 and December 31, 2019, securities with a fair value of $98.3 million and $92.4 million, respectively, were pledged to collateralize certain municipal deposit relationships. As of the same dates, securities with a fair value of $13.7 million and $21.3 million, respectively, 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, only minimal exposure exists to sub-prime or other high-risk residential mortgages. With limited exceptions in the Company’s investment portfolio involving the most senior tranches of securitized bonds, the Company is not in the practice of investing in, or originating, these types of investments or loans.

Pension and Postretirement Bene

Pension and Postretirement Benefits	9 Months Ended
	Sep. 30, 2020
Compensation And Retirement Disclosure [Abstract]
Pension and Postretirement Benefits	Note 5: Pension and Postretirement Benefits The Company has a noncontributory defined benefit pension plan covering most 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 are 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 composition of net periodic pension plan and postretirement plan costs for the indicated periods is as follows: Pension Benefits Postretirement Benefits Pension Benefits Postretirement Benefits For the three months ended September 30, For the nine months ended September 30, (In thousands) 2020 2019 2020 2019 2020 2019 2020 2019 Service cost $ - $ - $ - $ - $ - $ - $ - $ - Interest cost 116 124 5 6 349 371 12 16 Expected return on plan assets (273 ) (234 ) - - (820 ) (701 ) - - Amortization of prior service credits - - (1 ) (1 ) - - (3 ) (3 ) Amortization of net losses 57 82 2 3 171 246 7 9 Net periodic benefit plan (benefit) cost $ (100 ) $ (28 ) $ 6 $ 8 $ (300 ) $ (84 ) $ 16 $ 22 The Company will evaluate the need for further contributions to the defined benefit pension plan during 2020. The prepaid pension asset is recorded in other assets on the statement of condition as of September 30, 2020 and December 31, 2019.

Loans

Loans	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Loans	Note 6: Loans Major classifications of loans at the indicated dates are as follows: September 30, December 31, (In thousands) 2020 2019 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 216,802 $ 209,559 Construction 5,677 3,963 Loans held-for-sale (1) 687 35,790 Total residential mortgage loans 223,166 249,312 Commercial loans: Real estate 282,856 254,257 Lines of credit 52,411 58,617 Other commercial and industrial 77,824 82,092 Paycheck Protection Program loans 75,278 - Tax exempt loans 6,998 8,067 Total commercial loans 495,367 403,033 Consumer loans: Home equity and junior liens 40,505 46,389 Other consumer 62,998 82,607 Total consumer loans 103,503 128,996 Total loans 822,036 781,341 Net deferred loan fees (1,727 ) 110 Less allowance for loan losses (12,103 ) (8,669 ) Loans receivable, net $ 808,206 $ 772,782 (1) 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. At September 30, 2020, the loans under contract to be sold had a principal balance of $687,268 and net deferred fees of $46. These loans were transferred at their amortized cost of $687,222 as of September 30, 2020, as the fair value of these loans was greater than the amortized cost. At December 31, 2019, the loans under contract to be sold had a principal balance of $35.8 million and net deferred fees of $146,000. These loans were transferred at their amortized cost of $35.9 million as of December 31, 2019, as the fair value of these loans was greater than the amortized cost. Although the Bank may sometimes purchase or fund loan participation interests outside of its primary market areas, the Bank generally originates residential mortgage, commercial, and consumer loans largely to customers throughout Oswego and Onondaga counties. Although the Bank has a diversified loan portfolio, a substantial portion of its borrowers’ abilities to honor their loan contracts is dependent upon the counties’ employment and economic conditions. As part of the Company’s overall balance sheet management strategies and the management’s ongoing efforts to profitably deploy its increased capital position following the equity sales transactions completed in May 2019, the Bank acquired nine diverse pools of loans, originated by unrelated third parties, in six separate transactions during 2019. The purchase of participations in loans that are originated by third parties only occurs after the completion of thorough pre-acquisition due diligence. Loans in which the Company acquires a participating interest are determined to meet, in all material respects, the Company’s internal underwriting policies, including credit and collateral suitability thresholds, prior to acquisition. In addition, the financial condition of the originating entity, which are generally retained as the ongoing loan servicing provider for participations acquired by the Bank, are analyzed prior to the acquisition of the participating interests and monitored on a regular basis thereafter for the life of those interests. The following table presents details regarding the purchased loan pools: September 30, December 31, (In thousands, except number of loans) 2020 2019 Purchased residential real estate loans Original Balance $ 2,100 $ 2,100 Current Balance 2,000 2,100 Unamortized Premium 129 135 Percent Owned 100 % 100 % Number of Loans 25 25 Maturity range 21-23 years 22-24 years Cumulative net charge-offs - - Purchased other commercial and industrial loans Original Balance 6,800 6,800 Current Balance 5,800 6,600 Unamortized Premium - - Percent Owned 100 % 100 % Number of Loans 40 43 Maturity range 5-9 years 6-10 years Cumulative net charge-offs - - Purchased home equity lines of credit: Original Balance 21,900 21,900 Current Balance 16,100 20,100 Unamortized Premium 328 390 Percent Owned 100 % 100 % Number of Loans 315 376 Maturity range 3-29 years 4-30 years Cumulative net charge-offs - - Purchased automobile loans: Original Balance 50,400 50,400 Current Balance 19,600 27,200 Unamortized Premium 682 930 Percent Owned 90 % 90 % Number of Loans 1,373 1,657 Maturity range 0-6 years 0-6 years Cumulative net charge-offs 227 196 Purchased unsecured consumer loan pool 1: Original Balance 5,400 5,400 Current Balance 4,100 5,000 Unamortized Premium - - Percent Owned 100 % 100 % Number of Loans 80 87 Maturity range 3-6 years 4-7 years Cumulative net charge-offs - - Purchased unsecured consumer loan pool 2: Original Balance 26,600 26,600 Current Balance 17,900 25,800 Unamortized Premium 74 114 Percent Owned 59 % 59 % Number of Loans 2,393 2,768 Maturity range 2-5 years 3-5 years Cumulative net charge-offs - - Purchased unsecured consumer loan pool 3: Original Balance 10,300 10,300 Current Balance 6,500 10,300 Unamortized Premium 160 245 Percent Owned 100 % 100 % Number of Loans 3,260 4,259 Maturity range 0-7 years 0-7 years Cumulative net charge-offs - - As of September 30, 2020 and December 31, 2019, residential mortgage loans with a carrying value of $111.8 million and $136.9 million, respectively, have been pledged by the Company to the Federal Home Loan Bank of New York (“FHLBNY”) under a blanket collateral agreement to secure the Company’s line of credit and term borrowings. Loan Origination / Risk Management The Company’s lending policies and procedures are presented in Note 5 to the audited consolidated financial statements included in the 2019 Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 23, 2020 and have not changed. As part of the execution of the Company’s overall balance sheet management strategies, the Bank will acquire participating interests in loans originated by unrelated third parties on a sporadic basis. The purchase of participations in loans that are originated by third parties only occurs after the completion of thorough pre-acquisition due diligence. Loans in which the Company acquires a participating interest are determined to meet, in all material respects, the Company’s internal underwriting policies, including credit and collateral suitability thresholds, prior to acquisition. In addition, the financial condition of the originating financial institutions, which are generally retained as the ongoing loan servicing provider for participations acquired by the Bank, are analyzed prior to the acquisition of the participating interests and monitored on a regular basis thereafter for the life of those interests. To develop and document a systematic methodology for determining the allowance for loan losses, the Company has divided the loan portfolio into three portfolio segments, each with different risk characteristics but with similar methodologies for assessing risk. Each portfolio segment is broken down into loan classes where appropriate. Loan classes contain unique measurement attributes, risk characteristics, and methods for monitoring and assessing risk that are necessary to develop the allowance for loan losses. Unique characteristics such as borrower type, loan type, collateral type, and risk characteristics define each class. The following table illustrates the portfolio segments and classes for the Company’s loan portfolio: Portfolio Segment Class Residential Mortgage Loans 1-4 family first-lien residential mortgages Construction Commercial Loans Real estate Lines of credit Other commercial and industrial Tax exempt loans Consumer Loans Home equity and junior liens Other consumer The following tables present the classes of the loan portfolio, not including net deferred loan costs, 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: As of September 30, 2020 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 213,373 $ 919 $ 2,058 $ 452 $ 216,802 Construction 5,677 - - - 5,677 Loans held-for-sale 687 - - - 687 Total residential mortgage loans 219,737 919 2,058 452 223,166 Commercial loans: Real estate 264,979 8,967 8,531 379 282,856 Lines of credit 44,469 5,276 2,580 86 52,411 Other commercial and industrial 64,412 10,022 3,351 39 77,824 Paycheck Protection Program loans 75,278 - - - 75,278 Tax exempt loans 6,998 - - - 6,998 Total commercial loans 456,136 24,265 14,462 504 495,367 Consumer loans: Home equity and junior liens 39,736 137 397 235 40,505 Other consumer 62,697 111 190 - 62,998 Total consumer loans 102,433 248 587 235 103,503 Total loans $ 778,306 $ 25,432 $ 17,107 $ 1,191 $ 822,036 As of December 31, 2019 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 205,554 $ 1,093 $ 1,731 $ 1,181 $ 209,559 Construction 3,963 - - - 3,963 Loans held-for-sale 35,790 - - - 35,790 Total residential mortgage loans 245,307 1,093 1,731 1,181 249,312 Commercial loans: Real estate 238,288 12,473 3,194 302 254,257 Lines of credit 50,396 7,945 276 - 58,617 Other commercial and industrial 72,653 8,473 923 43 82,092 Tax exempt loans 8,067 - - - 8,067 Total commercial loans 369,404 28,891 4,393 345 403,033 Consumer loans: Home equity and junior liens 45,414 191 477 307 46,389 Other consumer 82,252 167 188 - 82,607 Total consumer loans 127,666 358 665 307 128,996 Total loans $ 742,377 $ 30,342 $ 6,789 $ 1,833 $ 781,341 Management has reviewed its loan portfolio and determined that, to the best of its knowledge, no material exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of originating these types of loans. 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 currently 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 past due loans, not including net deferred loan costs, segregated by portfolio segment and class of loans, as of September 30, 2020 and December 31, 2019, are detailed in the following tables: As of September 30, 2020 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 $ 697 $ 572 $ 817 $ 2,086 $ 214,716 $ 216,802 Construction - - - - 5,677 5,677 Loans held-for-sale - - - - 687 687 Total residential mortgage loans 697 572 817 2,086 221,080 223,166 Commercial loans: Real estate 4,253 - 3,716 7,969 274,887 282,856 Lines of credit 1,345 30 225 1,600 50,811 52,411 Other commercial and industrial 1,120 25 7,140 8,285 69,539 77,824 Paycheck Protection Program loans - - - - 75,278 75,278 Tax exempt loans - - - - 6,998 6,998 Total commercial loans 6,718 55 11,081 17,854 477,513 495,367 Consumer loans: Home equity and junior liens 130 - 392 522 39,983 40,505 Other consumer 369 222 114 705 62,293 62,998 Total consumer loans 499 222 506 1,227 102,276 103,503 Total loans $ 7,914 $ 849 $ 12,404 $ 21,167 $ 800,869 $ 822,036 As of December 31, 2019 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 $ 947 $ 744 $ 1,613 $ 3,304 $ 206,255 $ 209,559 Construction - - - - 3,963 3,963 Loans held-for-sale - - - - 35,790 35,790 Total residential mortgage loans 947 744 1,613 3,304 246,008 249,312 Commercial loans: Real estate 953 100 2,271 3,324 250,933 254,257 Lines of credit 4,464 25 68 4,557 54,060 58,617 Other commercial and industrial 2,747 315 591 3,653 78,439 82,092 Tax exempt loans - - - - 8,067 8,067 Total commercial loans 8,164 440 2,930 11,534 391,499 403,033 Consumer loans: Home equity and junior liens 315 130 480 925 45,464 46,389 Other consumer 335 50 151 536 82,071 82,607 Total consumer loans 650 180 631 1,461 127,535 128,996 Total loans $ 9,761 $ 1,364 $ 5,174 $ 16,299 $ 765,042 $ 781,341 Nonaccrual loans, segregated by class of loan, were as follows: September 30, December 31, (In thousands) 2020 2019 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,452 $ 1,613 1,452 1,613 Commercial loans: Real estate 3,771 2,343 Lines of credit 289 68 Other commercial and industrial 7,148 591 11,208 3,002 Consumer loans: Home equity and junior liens 392 480 Other consumer 184 151 576 631 Total nonaccrual loans $ 13,236 $ 5,246 The Company is required to disclose certain activities related to Troubled Debt Restructurings (“TDR”) in accordance with accounting guidance. Certain loans have been modified in a TDR where economic concessions have been granted to a borrower who is experiencing, or expected to experience, financial difficulties. These economic concessions could include a reduction in the loan interest rate, extension of payment terms, reduction of principal amortization, or other actions that it would not otherwise consider for a new loan with similar risk characteristics. The Company is required to disclose new TDRs for each reporting period for which an income statement is being presented. The pre-modification outstanding recorded investment is the principal loan balance less the provision for loan losses before the loan was modified as a TDR. The post-modification outstanding recorded investment is the principal balance less the provision for loan losses after the loan was modified as a TDR. Additional provision for loan losses is the change in the allowance for loan losses between the pre-modification outstanding recorded investment and post-modification outstanding recorded investment. The Company had no loans that were modified as TDRs for the three months ended September 30, 2020. The Company had no loans that were modified as TDRs for the nine months ended September 30, 2020. The Company had no loans that were modified as TDRs for the three months ended September 30, 2019. The table below details one loan that was modified as a TDR for the nine months ended September 30, 2019. For the nine months ended September 30, 2019 (In thousands) Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Additional provision for loan losses Residential real estate loans 1 $ 205 $ 250 $ - The TDR evaluated for impairment for the nine months ended September 30, 2019 was classified as a TDR due to economic concessions granted, which consisted of additional funds advanced without associated increases in collateral and an extended maturity date that will result in a delay in payment from the original contractual maturity. The Company is required to disclose loans that have been modified as TDRs within the previous 12 months in which there was payment default after the restructuring. The Company defines payment default as any loans 90 days past due on contractual payments. The Company had no loans that were modified as TDRs during the twelve months prior to September 30, 2020, which had subsequently defaulted during the nine months ended September 30, 2020. The Company had no loans that were modified as TDRs during the twelve months prior to September 30, 2019, which had subsequently defaulted during the nine months ended September 30, 2019. The Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”), signed into law on March 27, 2020, provides financial assistance in various forms to both businesses and consumers. In addition, the CARES Act also created many directives affecting the operations of financial services providers, such as the Company, including a forbearance program for federally-backed mortgage loans and protections for borrowers from negative credit reporting due to loan accommodations related to the national emergency. The banking regulatory agencies have likewise issued guidance encouraging financial institutions to work prudently with borrowers who are, or may be, unable to meet their contractual payment obligations because of the effects of COVID-19. 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 loan losses, an associated increase to the allowance for loan losses or as a charge-off to the allowance for loan losses in the current period. Impaired Loans The following table summarizes impaired loan information by portfolio class at the indicated dates: September 30, 2020 December 31, 2019 Unpaid Unpaid Recorded Principal Related Recorded Principal Related (In thousands) Investment Balance Allowance Investment Balance Allowance With no related allowance recorded: 1-4 family first-lien residential mortgages $ 668 $ 668 $ - $ 1,027 $ 1,027 $ - Commercial real estate 4,878 4,958 - 3,996 4,067 - Commercial lines of credit 78 78 - 86 86 - Other commercial and industrial 743 764 - 69 77 - Home equity and junior liens 76 76 - 40 40 - Other consumer 83 83 - 55 55 - With an allowance recorded: 1-4 family first-lien residential mortgages 905 905 149 584 584 97 Commercial real estate 442 442 62 450 450 78 Commercial lines of credit 253 253 253 98 98 98 Other commercial and industrial 1,642 1,642 1,176 866 866 406 Home equity and junior liens 142 142 142 180 180 150 Other consumer - - - 36 36 1 Total: 1-4 family first-lien residential mortgages 1,573 1,573 149 1,611 1,611 97 Commercial real estate 5,320 5,400 62 4,446 4,517 78 Commercial lines of credit 331 331 253 184 184 98 Other commercial and industrial 2,385 2,406 1,176 935 943 406 Home equity and junior liens 218 218 142 220 220 150 Other consumer 83 83 - 91 91 1 Totals $ 9,910 $ 10,011 $ 1,782 $ 7,487 $ 7,566 $ 830 At September 30, 2020, the Company had outstanding balances of $14.5 million of commercial loans categorized as substandard under the Company’s internal classification policies. Of the $14.5 million in commercial loans categorized as substandard, $8.0 million represent loans that were accruing interest and $6.5 million represent loans that were in nonaccrual status as of that date. At September 30, 2020, the Company had a total of $11.2 million in nonaccrual commercial loans of which $4.7 million were rated special mention or better. Per the Company’s policy, a commercial loan is measured for impairment if: (1) the loan is rated substandard or worse, (2) is on nonaccrual, and (3) above our total related credit (“TRC”) threshold balance of $100,000 or classified as a TDR. See the Application of Critical Accounting Policies in Item 2 for further details. Internal classifications were determined at September 30, 2020 based on the Company’s evaluation of individual loans considering all factors in evidence as of the evaluation date. Due to the currently high degree of economic uncertainty, related primarily to the ongoing COVID-19 pandemic, loan classifications and estimates of future loan losses may be subject to significant revisions in future periods . The following table presents the average recorded investment in impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2020 2019 2020 2019 1-4 family first-lien residential mortgages $ 1,586 $ 1,625 $ 1,597 $ 1,625 Commercial real estate 4,991 4,578 4,714 3,723 Commercial lines of credit 255 359 219 323 Other commercial and industrial 1,724 1,131 1,316 1,035 Home equity and junior liens 219 234 219 220 Other consumer 84 95 87 73 Total $ 8,859 $ 8,022 $ 8,152 $ 6,999 The following table presents the cash basis interest income recognized on impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2020 2019 2020 2019 1-4 family first-lien residential mortgages $ 35 $ 19 $ 62 $ 54 Commercial real estate 60 73 129 158 Commercial lines of credit 8 2 13 20 Other commercial and industrial 32 12 54 50 Home equity and junior liens 2 2 6 8 Other consumer 2 2 5 5 Total $ 139 $ 110 $ 269 $ 295

Allowance for Loan Losses

Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2020
Allowance For Loan Losses [Abstract]
Allowance for Loan Losses	Note 7: Allowance for Loan Losses Management extensively reviews recent trends in historical losses, qualitative factors and specific reserve needs on loans individually evaluated for impairment in its determination of the adequacy of the allowance for loan losses. We recorded $1.7 million in provision for loan losses for the three month period ended September 30, 2020, as compared to $600,000 for the three month period ended September 30, 2019. For the first nine months of 2020, we recorded $3.9 million in provision for loan losses as compared to $1.4 million in the same prior year nine month period. This $2.5 million increase in the provision for loan losses resulted from year-over-year increases in: (1) the qualitative factors used in determining the adequacy of the allowance for loan losses, (2) the size of the loan portfolio, and (3) delinquent and nonaccrual loans. The increase in the quantitative factors used in determining the provision for loan losses reflects the substantial increase in economic uncertainty and the resultant potential for increased credit losses in future periods as a consequence of the COVID-19 pandemic. Summarized in the tables below are changes in the allowance for loan losses for the indicated periods and information pertaining to the allocation of the allowance for loan losses, balances of the allowance for loan losses, loans receivable based in individual, and collective impairment evaluation by loan portfolio class. 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. For the three months ended September 30, 2020 1-4 family first-lien Residential Other Paycheck residential construction Commercial Commercial commercial Protection (In thousands) mortgage mortgage real estate lines of credit and industrial Program Allowance for loan losses: Beginning Balance $ 756 $ - $ 4,258 $ 1,208 $ 2,066 $ - Charge-offs - - - (53 ) - - Recoveries - - - 2 - - Provisions 35 - 558 139 581 - Ending balance $ 791 $ - $ 4,816 $ 1,296 $ 2,647 $ - Ending balance: related to loans individually evaluated for impairment $ 149 $ - $ 62 $ 253 $ 1,176 $ - Ending balance: related to loans collectively evaluated for impairment $ 642 $ - $ 4,754 $ 1,043 $ 1,471 $ - Loans receivables: Ending balance $ 216,802 $ 5,677 $ 282,856 $ 52,411 $ 77,824 $ 75,278 Ending balance: individually evaluated for impairment $ 1,573 $ - $ 5,320 $ 331 $ 2,385 $ - Ending balance: collectively evaluated for impairment $ 215,229 $ 5,677 $ 277,536 $ 52,080 $ 75,439 $ 75,278 Home Other Tax exempt and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 644 $ 1,055 $ 565 $ 10,553 Charge-offs - - (94 ) - (147 ) Recoveries - - 13 - 15 Provisions - 91 127 151 1,682 Ending balance $ 1 $ 735 $ 1,101 $ 716 $ 12,103 Ending balance: related to loans individually evaluated for impairment $ - $ 142 $ - $ - $ 1,782 Ending balance: related to loans collectively evaluated for impairment $ 1 $ 593 $ 1,101 $ 716 $ 10,321 Loans receivables: Ending balance $ 6,998 $ 40,505 $ 62,998 $ 687 $ 822,036 Ending balance: individually evaluated for impairment $ - $ 218 $ 83 $ - $ 9,910 Ending balance: collectively evaluated for impairment $ 6,998 $ 40,287 $ 62,915 $ 687 $ 812,126 For the nine months ended September 30, 2020 1-4 family first-lien Residential Other Paycheck residential construction Commercial Commercial commercial Protection (In thousands) mortgage mortgage real estate lines of credit and industrial Program Allowance for loan losses: Beginning Balance $ 580 $ - $ 4,010 $ 1,195 $ 1,645 $ - Charge-offs (125 ) - - (101 ) (9 ) - Recoveries 1 - - 4 - - Provisions 335 - 806 198 1,011 - Ending balance $ 791 $ - $ 4,816 $ 1,296 $ 2,647 $ - Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 553 $ 413 $ 272 $ 8,669 Charge-offs - (28 ) (279 ) - (542 ) Recoveries - 29 47 - 81 Provisions - 181 920 444 3,895 Ending balance $ 1 $ 735 $ 1,101 $ 716 $ 12,103 For the three months ended September 30, 2019 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 724 $ - $ 3,452 $ 1,145 $ 1,702 Charge-offs - - - (5 ) (4 ) Recoveries - - - - 1 Provisions (credits) (77 ) - 388 (84 ) 89 Ending balance $ 647 $ - $ 3,840 $ 1,056 $ 1,788 Ending balance: related to loans individually evaluated for impairment $ 98 $ - $ 77 $ 110 $ 339 Ending balance: related to loans collectively evaluated for impairment $ 549 $ - $ 3,763 $ 946 $ 1,449 Loans receivables: Ending balance $ 241,817 $ 4,241 $ 235,364 $ 58,408 $ 80,829 Ending balance: individually evaluated for impairment $ 1,616 $ - $ 4,695 $ 348 $ 1,115 Ending balance: collectively evaluated for impairment $ 240,201 $ 4,241 $ 230,669 $ 58,060 $ 79,714 Home equity Other Tax exempt and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 386 $ 415 $ - $ 7,825 Charge-offs - (7 ) (107 ) - (123 ) Recoveries - - 27 - 28 Provisions - 95 93 96 600 Ending balance $ 1 $ 474 $ 428 $ 96 $ 8,330 Ending balance: related to loans individually evaluated for impairment $ - $ 152 $ 3 $ - $ 779 Ending balance: related to loans collectively evaluated for impairment $ 1 $ 322 $ 425 $ 96 $ 7,551 Loans receivables: Ending balance $ 8,183 $ 47,512 $ 49,486 $ - $ 725,840 Ending balance: individually evaluated for impairment $ - $ 220 $ 93 $ - $ 8,087 Ending balance: collectively evaluated for impairment $ 8,183 $ 47,292 $ 49,393 $ - $ 717,753 For the nine months ended September 30, 2019 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 766 $ - $ 3,578 $ 730 $ 1,285 Charge-offs (11 ) - - (136 ) (6 ) Recoveries 1 - - - 1 Provisions (credits) (109 ) - 262 462 508 Ending balance $ 647 $ - $ 3,840 $ 1,056 $ 1,788 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 409 $ 385 $ 152 $ 7,306 Charge-offs - (7 ) (214 ) - (374 ) Recoveries - - 42 - 44 Provisions (credits) - 72 215 (56 ) 1,354 Ending balance $ 1 $ 474 $ 428 $ 96 $ 8,330 The Company’s methodology for determining its allowance for loan losses includes an analysis of qualitative factors that are added to the historical loss rates in arriving at the total allowance for loan 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 loan losses analysis and calculation. The allocation of the allowance for loan losses summarized on the basis of the Company’s calculation methodology was as follows: September 30, 2020 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Specifically reserved $ 149 $ - $ 62 $ 253 $ 1,176 Historical loss rate 73 - 108 90 46 Qualitative factors 569 - 4,646 953 1,425 Total $ 791 $ - $ 4,816 $ 1,296 $ 2,647 Home equity Other Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 142 $ - $ - $ 1,782 Historical loss rate - 324 842 - 1,483 Qualitative factors 1 269 259 - 8,122 Other - - - 716 716 Total $ 1 $ 735 $ 1,101 $ 716 $ 12,103 September 30, 2019 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Specifically reserved $ 98 $ - $ 77 $ 110 $ 339 Historical loss rate 36 - 93 37 29 Qualitative factors 513 - 3,670 909 1,420 Total $ 647 $ - $ 3,840 $ 1,056 $ 1,788 Home equity Other Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 152 $ 3 $ - $ 779 Historical loss rate - 4 155 - 354 Qualitative factors 1 318 270 - 7,101 Other - - - 96 96 Total $ 1 $ 474 $ 428 $ 96 $ 8,330

Foreclosed Real Estate

Foreclosed Real Estate	9 Months Ended
	Sep. 30, 2020
Real Estate Owned Disclosure Of Detailed Components [Abstract]
Foreclosed Real Estate	Note 8: Foreclosed Real Estate The Company is required to disclose the carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession of the property at each reporting period. The Company had no foreclosed residential real estate at September 30, 2020 and December 31, 2019. At September 30, 2020 and December 31, 2019, the Company reported $227,000 and $341,000, respectively, in residential real estate loans in the process of foreclosure.

Guarantees

Guarantees	9 Months Ended
	Sep. 30, 2020
Commitments And Contingencies Disclosure [Abstract]
Guarantees	Note 9: Guarantees The Company does not issue any guarantees that would require liability recognition or disclosure, other than its standby letters of credit. Generally, all letters of credit, when issued have expiration dates within one year. The credit risks 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. The Company had $2.3 million of standby letters of credit as of September 30, 2020. 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. The fair value of standby letters of credit was not significant to the Company’s consolidated financial statements.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Fair Value Measurements	Note 10: 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 available-for-sale and marketable equity securities 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. The Company holds one corporate investment security with an amortized historical cost of $2.6 million and an aggregate fair market value of $2.7 million as of September 30, 2020. This security has a valuation that is determined using published net asset values (NAV) derived by an analysis of the security’s underlying assets. This security is comprised primarily of broadly-diversified real estate and adjustable-rate senior secured business loans and are traded in secondary markets on an infrequent basis. While these securities are redeemable at least annually 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 holds two equity security investments, with an aggregate value of $1.7 million at September 30, 2020, valued utilizing readily available market pricing (Level 1) observed from active trading on major national stock exchanges. 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. Impaired loans: Impaired 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. Impaired loans are subject to nonrecurring fair value adjustment upon initial recognition or subsequent impairment. A portion of the allowance for loan losses is allocated to impaired 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 the indicated dates, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: September 30, 2020 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 21,507 $ - $ 21,507 State and political subdivisions - 16,958 - 16,958 Corporate - 8,864 - 8,864 Asset backed securities - 11,861 - 11,861 Residential mortgage-backed - US agency - 13,277 - 13,277 Collateralized mortgage obligations - US agency - 25,773 - 25,773 Collateralized mortgage obligations - Private label - 18,725 - 18,725 Total 116,965 116,965 Corporate measured at NAV - - - 2,725 Total available-for-sale securities $ - $ 116,965 $ - $ 119,690 Marketable equity securities $ 1,682 $ - $ - $ 1,682 Interest rate swap derivative fair value hedges $ - $ (102 ) $ - $ (102 ) Interest rate swap derivative cash flow hedges $ - $ (1,414 ) $ - $ (1,414 ) December 31, 2019 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 16,820 $ - $ 16,820 State and political subdivisions - 1,736 - 1,736 Corporate - 7,631 - 7,631 Asset backed securities - 13,232 - 13,232 Residential mortgage-backed - US agency - 18,980 - 18,980 Collateralized mortgage obligations - US agency - 30,785 - 30,785 Collateralized mortgage obligations - Private label - 16,821 - 16,821 Total - 106,005 - 106,005 Corporate measured at NAV - - - 4,923 Total available-for-sale securities $ - $ 106,005 $ - $ 110,928 Marketable equity securities $ - $ 534 $ - $ 534 Interest rate swap derivative fair value hedge $ - $ (92 ) $ - $ (92 ) Pathfinder Bank had the following assets measured at fair value on a nonrecurring basis as of September 30, 2020 and December 31, 2019: September 30, 2020 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 2,302 $ 2,302 December 31, 2019 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 3,105 $ 3,105 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 at the indicated dates. Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At September 30, 2020 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 25% (10%) (Sales Approach) Costs to Sell 7% - 13% (11%) Discounted Cash Flow Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2019 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 20% (9%) (Sales Approach) Costs to Sell 7% - 13% (11%) Discounted Cash Flow The Company held two equity security investments, with fair values determined using Level 1 inputs at September 30, 2020. During the second quarter of 2020, one of the two investments was substantially restructured and consequently listed on a major national stock exchange. The fair value of that investment, previously accounted for at net asset value prior to the listing date, was $1.0 million at September 30, 2020. The fair values of this investment, determined using Level 1 inputs at June 30, 2020 and net asset value methodologies at December 31, 2019, were $918,000 and $2.1 million, respectively. During the second quarter of 2020, the other investment, whose fair value was previously determined using Level 2 inputs, was acquired by another financial institution that is actively listed on a public stock exchange. Immediately subsequent to this acquisition transaction, the fair value of this security was also determined using Level 1 inputs. The fair value of this investment was $634,000 at September 30, 2020. The fair values of this investment, determined using Level 1 inputs, at June 30, 2020 and Level 2 inputs at December 31, 2019, were $646,000 and $534,000, respectively. As securities whose fair valuations are determined using Level 1 inputs, the net increases in the fair value of these two equity securities were accounted for as additions to net income, net of tax effects, in the third quarter of 2020. 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 impaired 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 “bullet” 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 loans – 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 the indicated dates are presented in the following table: September 30, 2020 December 31, 2019 Fair Value Carrying Estimated Carrying Estimated (In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and cash equivalents 1 $ 38,981 $ 38,981 $ 20,160 $ 20,160 Investment securities - available-for-sale 2 116,965 116,965 106,005 106,005 Investment securities - available-for-sale NAV 2,725 2,725 4,923 4,923 Investment securities - marketable equity 1 1,682 1,682 - - Investment securities - marketable equity 2 - - 534 534 Investment securities - held-to-maturity 2 164,460 167,832 122,988 124,148 Federal Home Loan Bank stock 2 4,308 4,308 4,834 4,834 Net loans 3 808,206 815,878 772,782 767,654 Accrued interest receivable 1 4,906 4,906 3,712 3,712 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 590,739 $ 590,739 $ 460,293 $ 460,293 Time Deposits 2 407,494 411,771 421,600 422,409 Borrowings 2 80,226 82,567 93,125 93,643 Subordinated loans 2 15,154 14,615 15,128 14,921 Accrued interest payable 1 188 188 396 396 Interest rate swap derivative fair value hedges 2 102 102 92 92 Interest rate swap derivative cash flow hedges 2 1,414 1,414 - -

Interest Rate Derivatives

Interest Rate Derivatives	9 Months Ended
	Sep. 30, 2020
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Interest Rate Derivatives	Note 11: 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 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 September 30, 2020. Interest rate hedging agreements 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 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. 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 balance sheet 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. 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. 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 accounted for similar to that associated with fair value hedges. 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 strategy. Interest rate swaps involve the receipt of variable amounts from a counterparty in exchange for the Company making fixed 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 entered into a pay-fixed/receive variable interest rate swap with a notional amount of $9.2 million in April 2019, which was designated as a fair value hedge, associated with specific pools within the Company’s fixed-rate consumer loan portfolio. The swap contract will be in force from April 2019 to April 2021 and the Company will be required to pay 2.39% to the swap counterparty, while receiving 3-month LIBOR indexed payments from the same counterparty, with both payments calculated on the notional amount. As of September 30, 2020 and December 31, 2019, the following amounts were recorded on the balance sheet related to the cumulative basis adjustments for fair value hedges: (In thousands) Carrying Amount of the Hedged Assets at September 30, 2020 Cumulative Amount of Fair Value Hedging Adjustment Included in The Carrying Amount of the Hedged Assets at September 30, 2020 Carrying Amount of the Hedged Assets at December 31, 2019 Cumulative Amount of Fair Value Hedging Adjustment Included in The Carrying Amount of the Hedged Assets at December 31, 2019 Line item on the balance sheet in which the hedged item is included: Loans receivable (1) $ 14,693 $ 102 $ 19,254 $ 75 (1) These amounts include the amortized cost basis of the hedged portfolio used to designate the hedging relationship in which the hedged item is the remaining amortized cost of the last layer expected to be remaining at the end of the hedging contract term. At September 30, 2020 and December 31, 2019, the amortized cost of the basis of the closed portfolio used in the hedging relationship was $14.7 million and $19.3 million, the cumulative basis adjustment associated with the hedging relationship was $102,000 and $75,000, and the amount of the designated hedged item was $9.2 million and $9.2 million, respectively. At September 30, 2020 and December 31, 2019, the fair value of the fair value derivative resulted in a net liability position of $106,000 and $92,000 under the agreement, respectively, recorded by the Company in other liabilities. The Company’s participation in the swap contract reduced total loan interest income, recognized in consolidated earnings, by $153,000 and $241,000 for three and nine months ended September 30, 2020, respectively. In February 2020, the Company entered into an interest rate cap contract in the notional amount of $40.0 million, intended to reduce the Company’s exposure to potential rising interest rates. This contractual agreement has been designated as a cash flow hedge with changes in the fair value of the contract, net of changes in the fair value of the designated hedged liability (certain short-term certificates of deposit with rates of interest that are highly correlated to the 3-month LIBOR index) being accounted for through other comprehensive income. The term of the cap contract commenced on May 1, 2020 and expire on May 1, 2023. The Company paid $228,000 in a one-time premium for the cap contract and has no further contractual obligations to the counterparty over the three-year life of the contract. The premium will be amortized ratably over the contractual term of the cap contract with an annual average cost to the Company of approximately 19 basis points relative to the notional amount. The Company will potentially benefit during the term of this cap contract, in the manner described above, for the period of time that the 3-month LIBOR index exceeds 1.85% (the strike price). The cap contract had no effect on recorded interest expense in the three or nine months ended September 30, 2020. In March 2020, the Company entered into an interest rate swap contract in the notional amount of $40.0 million, intended to reduce the Company’s exposure to potential rising interest rates. This contractual agreement has been designated as a cash flow hedge with changes in the fair value of the contract, net of changes in the fair value of the designated hedged liability (certain short-term certificates of deposit with rates of interest that are highly correlated to the 3-month LIBOR index) being accounted for through other comprehensive income. The term of the swap contract commenced on May 15, 2020 and expire on May 15, 2023. Under the terms of the swap contract, the Company will be obligated to pay the contractual counterparty an annual rate of 1.39% (the strike price) times the notional amount of the contract. Simultaneously, for the duration of the swap contract, the counterparty will be obligated to pay the Company the annual rate of the 3-month LIBOR index, as determined each calendar quarter, times the notional contractual amount. The swap contract had no effect on recorded interest expense in the three or nine months ended September 30, 2020. (In thousands) September 30, 2020 December 31, 2019 Cash flow hedges: Total unamortized premium $ 216 $ - Fair market value adjustment interest rate cap (203 ) - Total unamortized cap 13 - Fair market value adjustment interest rate swap (1,210 ) - Total loss in comprehensive income $ (1,413 ) $ - The amounts of hedge ineffectiveness, recognized during the quarter ended September 30, 2020, for cash flow hedges were not material to the Company’s consolidated results of operations. The Company had no hedged positions at September 30, 2019. Some 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, but at this time, management expects the hedge to remain fully effective during the remaining term of the swap. For the three months ended For the nine months ended (In thousands) September 30, 2020 September 30, 2019 September 30, 2020 September 30, 2019 Balance as of December 31: $ - $ - $ - $ - Amount of gains (losses) recognized in other comprehensive income 114 - (1,413 ) - Gains (losses) in other comprehensive income: $ 114 $ - $ (1,413 ) $ - From time to time, the Company purchases high credit-quality securities with long maturity dates. In order to reduce the Company's exposure to potential declines in the fair value of such securities, particularly in a rising interest rate environment, the Company has elected to enter into fixed-pay, receive floating rate interest rate swap contracts, designated as fair value hedges. The maturity dates of the swaps are matched exactly to the first call date of the hedged securities. During the third quarter of 2020, the Company entered into four swap contracts of this type with a total notional amount of $12.0 million. The objective of the hedges is to protect the hedged securities of the Bank against changes in fair value due to changes in the benchmark interest rate. Changes in the fair value of the interest rate swap are expected to be “perfectly effective” in offsetting changes in the fair value of the hedged item attributable to changes in the LIBOR swap rate, the designated benchmark interest rate. The effect of these hedge transactions were immaterial on the Company’s consolidated statement of financial condition at September 30, 2020 and its consolidated statement of income for the three and nine month periods ended September 30, 2020. The Company manages its potential credit exposure on interest rate swap transactions by entering into a bilateral credit support agreements with each counterparty. These agreements require collateralization of credit exposures beyond specified minimum threshold amounts. The Company posted cash in escrow of $1.6 million under collateral arrangements to satisfy collateral requirements associated with the interest rate swap contract at September 30, 2020.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	9 Months Ended
	Sep. 30, 2020
Accumulated Other Comprehensive Income Loss Net Of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss)	Note 12: 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 tables below. For the three months ended September 30, 2020 (In thousands) Retirement Plans Unrealized Gains and Losses on Available-for- Sale Securities Unrealized Losses on Derivatives and Hedging Activities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (2,812 ) $ (341 ) $ (1,207 ) $ (27 ) $ (4,387 ) Other comprehensive income before reclassifications - 821 91 7 919 Amounts reclassified from AOCI 45 (21 ) - - 24 Ending balance $ (2,767 ) $ 459 $ (1,116 ) $ (20 ) $ (3,444 ) For the three months ended September 30, 2019 (In thousands) Retirement Plans Unrealized Gains and Losses on Available-for- Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (3,021 ) $ 43 $ (46 ) $ (3,024 ) Other comprehensive income before reclassifications - 282 5 287 Amounts reclassified from AOCI 67 (96 ) - (29 ) Ending balance $ (2,954 ) $ 229 $ (41 ) $ (2,766 ) For the nine months ended September 30, 2020 (In thousands) Retirement Plans Unrealized Gains and Losses on Available-for- Sale Securities Unrealized Losses on Derivatives and Hedging Activities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (2,717 ) $ (216 ) $ - $ (38 ) $ (2,971 ) Reevaluation of deferred tax asset valuation allowance (1) (188 ) (15 ) - (3 ) (206 ) Other comprehensive income before reclassifications - 1,422 (1,116 ) 21 327 Amounts reclassified from AOCI 138 (732 ) - - (594 ) Ending balance $ (2,767 ) $ 459 $ (1,116 ) $ (20 ) $ (3,444 ) (1) Management determined that the Company, under the current New York State (“NYS”) tax code, was highly unlikely to incur a material NYS tax liability in the foreseeable future. As a result, certain net current and deferred tax assets, related to GAAP vs. tax timing differences under previous NYS tax law were no longer going to provide any future tax benefit. The substantial majority of these net deferred tax assets were offset by a related valuation allowance established in prior periods. Therefore, the Company eliminated its remaining NYS net deferred tax asset balances and the related valuation allowance on January 1, 2020. The effect of these eliminations required an adjustment to other comprehensive income balances and had no effect on 2020 reported earnings. For the nine months ended September 30, 2019 (In thousands) Retirement Plans Unrealized Gains and Losses on Available-for- Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (3,152 ) $ (2,832 ) $ (58 ) $ (6,042 ) Other comprehensive income before reclassifications - 3,244 17 3,261 Amounts reclassified from AOCI 198 (183 ) - 15 Ending balance $ (2,954 ) $ 229 $ (41 ) $ (2,766 ) The following table presents the amounts reclassified out of each component of AOCI for the indicated period: Amount Reclassified Amount Reclassified from AOCI (1) from AOCI (1) (Unaudited) (Unaudited) (In thousands) For the three months ended For the nine months ended Details about AOCI (1) September 30, 2020 September 30, 2019 Affected Line Item in the Statement of Income September 30, 2020 September 30, 2019 Retirement plan items Retirement plan net losses recognized in plan expenses (2) $ (58 ) $ (84 ) Salaries and employee benefits $ (175 ) $ (252 ) Tax effect 12 17 Provision for income taxes 37 54 $ (46 ) $ (67 ) Net Income $ (138 ) $ (198 ) Available-for-sale securities Realized gain on sale of securities $ 27 $ 121 Net gains on sales and redemptions of investment securities $ 926 $ 232 Tax effect (6 ) (25 ) Provision for income taxes (194 ) (49 ) $ 21 $ 96 Net Income $ 732 $ 183 (1) Amounts in parentheses indicates debits in net income. (2) These items are included in net periodic pension cost. See Note 5 for additional information.

Noninterest Income

Noninterest Income	9 Months Ended
	Sep. 30, 2020
Revenue From Contract With Customer [Abstract]
Noninterest Income	Note 13: Noninterest Income The Company has included the following table regarding the Company’s noninterest income for the periods presented. For the three months For the nine months ended September 30, ended September 30, (In thousands) 2020 2019 2020 2019 Service fees Insufficient funds fees $ 195 $ 347 $ 618 $ 827 Deposit related fees 100 28 272 133 ATM fees 44 24 108 69 Total service fees 339 399 998 1,029 Fee Income Insurance commissions 215 168 734 620 Investment services revenue 87 58 235 203 ATM fees surcharge 57 68 167 173 Banking house rents collected 47 32 189 100 Total fee income 406 326 1,325 1,096 Card income Debit card interchange fees 209 166 577 497 Merchant card fees 20 21 51 58 Total card income 229 187 628 555 Mortgage fee income and realized gain on sale of loans and foreclosed real estate Loan servicing fees 90 57 218 144 Net gain on sales of loans and foreclosed real estate 134 38 903 43 Total mortgage fee income and realized gain on sale of loans and foreclosed real estate 224 95 1,121 187 Total 1,198 1,007 4,072 2,867 Earnings and gain on bank owned life insurance 133 133 355 355 Net gains on sales and redemptions of investment securities 27 121 1,076 232 Gains/(Losses) on marketable equity securities 118 4 (798 ) 61 Other miscellaneous income 15 21 65 83 Total noninterest income $ 1,491 $ 1,286 $ 4,770 $ 3,598 The following is a discussion of key revenues within the scope of the new revenue guidance: • Service fees – 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 the card networks. Interchange fees are based on purchase volumes and 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 transaction occurs.

Leases

Leases	9 Months Ended
	Sep. 30, 2020
Leases [Abstract]
Leases	Note 14: 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 the lease expense are as follows: For the three months ended For the nine months ended (In thousands) September 30, 2020 September 30, 2019 September 30, 2020 September 30, 2019 Operating lease cost $ 61 $ 61 $ 182 $ 180 Finance lease cost 20 20 60 32 For the three months ended For the nine months ended (In thousands) September 30, 2020 September 30, 2019 September 30, 2020 September 30, 2019 Cash paid for amount included in the measurement of lease liabilities: Operating cash flows from operating leases $ 56 $ 55 $ 167 $ 159 Operating cash flows from finance leases 20 20 60 32 Financing cash flows from finance leases 18 17 53 28 Supplemental balance sheet information related to leases was as follows: (In thousands, except lease term and discount rate) September 30, 2020 December 31, 2019 Operating Leases: Operating lease right-of-use assets $ 2,275 $ 2,386 Operating lease liabilities $ 2,554 $ 2,650 Finance Leases: Financial Liability $ 585 $ 578 Weighted Average Remaining Lease Term: Operating Leases 19.21 years 19.58 years Finance Leases 28.67 years 29.42 years Weighted Average Discount Rate: Operating Leases 3.72 % 3.71 % Finance Leases 13.75 % 13.75 % Maturities of lease liabilities were as follows: Twelve Months Ending September 30, (In thousands) 2021 $ 104 2022 97 2023 107 2024 116 2025 123 Thereafter 2,592 Total minimum lease payments $ 3,139 The Company owns certain properties that it leases to unaffiliated third parties at market rates. Lease rental income was $47,000 and $32,000 for the three months ended September 30, 2020 and 2019, respectively. Lease rental income was $189,000 and $100,000 for the nine months ended September 30, 2020 and 2019, respectively. All lease agreements, in which the Company is the lessor, are accounted for as operating leases.

COVID-19

COVID-19	9 Months Ended
	Sep. 30, 2020
Extraordinary And Unusual Items [Abstract]
COVID-19	Note 15: COVID-19 In early January 2020, the World Health Organization issued an alert that a novel coronavirus outbreak was emanating from Wuhan, Hubei Province in China. Over the course of the next several weeks, the outbreak continued to spread to various regions of the world, prompting the World Health Organization to declare COVID-19 a global pandemic on March 11, 2020. In the United States, by the end of March 2020, the rapid spread of the COVID-19 virus invoked various Federal and New York State authorities to make emergency declarations and issue executive orders to limit the spread of the disease. Measures included restrictions on international and domestic travel, limitations on public gatherings, implementation of social distancing and sanitization protocols, school closings, orders to shelter in place and mandates to close all non-essential businesses to the public. To widely varying degrees, largely dependent upon the level of regional and national outbreaks and the resultant levels of strain on available medical resources, these very substantial mandated curtailments of social and economic activity had been relaxed globally in the third quarter of 2020. However, as of the date of this filing, these curtailments in economic activities have, to a substantial degree, been reinstated in parts of Europe and the number of reported positive cases (partly due to increased testing) in the United States have reached the highest levels recorded since the outbreaks began. Further, there are virtually no localities within the United States that have returned to substantively normal business and social activities at the time of this filing. As a result of the initial and continuing outbreak, and governmental response thereto, the spread of the coronavirus has caused us to modify our business practices, including employee travel, employee work locations, and cancellation of physical participation in meetings, events and conferences. The Company has many employees working remotely and has significantly reduced physical customer contact with employees and other customers. Initially, branch activities were limited to drive-thru transactions whenever possible, teleconferencing and in-branch “appointments only” services. The Bank’s branches are now fully accessible to the public but remain in strict compliance with all applicable social distancing and sanitization guidelines. Since the start of the pandemic, transactional volume has also increased through the Bank’s telephone, mobile and internet banking channels. We will take further actions for focused on safety as may be required by government authorities or that we determine to be in the best interests of our employees, customers and business partners. Concerns about the spread of the disease and its anticipated negative impact on economic activity, severely disrupted both domestic and international financial markets prompting the world’s central banks to inject significant amounts of monetary stimulus into their respective economies. In the United States, the Federal Reserve System’s Federal Open Market Committee, swiftly cut the target Federal Funds rate to a range of 0% to 0.25%, where it remains as of the date of this filing. The reductions in the Fed funds target rate included a 50 basis point reduction in the target federal funds rate on March 3, 2020 and an additional 100 basis point reduction on March 15, 2020. In addition, the Federal Reserve initiated various market support programs to ease the stress on financial markets. This significant reduction in short-term interest rates has reduced, and will continue to reduce, the Bank’s cost of funds and interest earning-asset yields. The long-term effects of the current interest rate environment, resulting from government and central bank responses to the pandemic, on the Bank’s net interest margins cannot be predicted with certainty at this time. The Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”), signed into law on March 27, 2020, provides financial assistance in various forms to both businesses and consumers. In addition, the CARES Act also created many directives affecting the operations of financial services providers, such as the Company, including a forbearance program for federally-backed mortgage loans and protections for borrowers from negative credit reporting due to loan accommodations related to the national emergency. The banking regulatory agencies have likewise issued guidance encouraging financial institutions to work prudently with borrowers who are, or may be, unable to meet their contractual payment obligations because of the effects of COVID-19. The Company has worked to assist its business and consumer customers affected by COVID-19. Through September 30, 2020, the Bank granted payment deferral requests for an initial period of 90 days on 548 loans representing approximately $145.6 million of existing loan balances. Upon the receipt of borrower requests, additional 90 day deferral periods were generally granted. Of these granted deferrals, 250 loans, totaling $21.2 million, were residential mortgage or consumer loans. At September 30, 2020, 212 residential and consumer loans, totaling $18.6 million, have been returned to non-deferral status. Of these granted deferrals, 298 loans, totaling $124.5 million, were commercial real estate or other commercial and industrial loans. At September 30, 2020, 250 commercial real estate or other commercial and industrial loans, totaling $101.2 million, have been returned to non-deferral status. Therefore, at September 30, 2020, 38 residential mortgage and consumer loans, totaling $2.6 million and 48 commercial real estate and other commercial and industrial loans, totaling $23.3 million remained in deferral status. These loans still in deferral status totaled $25.9 million and represented 3.2% of all loans outstanding at September 30, 2020. After consultations with certain of these commercial loan borrowers, four loans, representing $8.7 million, have been granted an additional 90 day deferral period beyond 180 days as of September 30, 2020. These loans are included in the $23.3 million in commercial real estate and other commercial and industrial loans still in deferred status at September 30, 2020. After consultations with certain of these commercial loan borrowers, four loans, representing $8.7 million, have been granted an additional 90 day deferral period beyond 180 days as of September 30, 2020. Additional deferral periods will potentially be granted subject to further analysis and discussion with specific borrowers. To the extent that such modifications meet the criteria described they have not been classified as troubled debt restructurings. Loans not granted additional deferral periods will be categorized as nonaccrual loans if the borrowers fail to make the first scheduled payment following the end of the deferral period. Borrowers that were delinquent in their payments to the Bank, prior to requesting a COVID-19 related financial hardship payment deferral were reviewed on a case by case basis for troubled debt restructure classification and non-performing loan status. In the instances where the Company granted a payment deferral to a delinquent borrower because of COVID-19, the borrower’s delinquency status was frozen as of February 29, 2020, and their loans will continue to be reported as delinquent during the deferment period based on their delinquency status as of that date. The long-term collectability of deferred loan payments will depend on many factors, including the future progression of the pandemic, potential medical breakthroughs in therapeutic treatments and/or vaccines, further economic stimulus from government authorities, the rate at which governmental restrictions on business activities are relaxed and the adequacy and sustainability of other sources of repayment such as loan collateral. Consistent with industry regulatory guidance, borrowers that were granted COVID-19 related deferrals but were otherwise current on loan payments will continue to have their loans reported as current loans during the agreed upon deferral period(s), accrue interest and not be accounted for as troubled debt restructurings. The future performance of the Company’s loan portfolios with respect to credit losses will be highly dependent upon the course and duration, both nationally and within the Company’s market area, of the public health and economic factors related to the pandemic, as well as the concentrations in the Company’s loan portfolio. Concentrations of loans within a portfolio that are made to a singular borrower, to a related groups of borrowers, or to a limited number of industries, are generally considered to be additional risk factors in estimating future credit losses. Therefore, the Company monitors all of its credit relationships to ensure that the total loan amounts extended to one borrower, or to a related group of borrowers, does not exceed the maximum permissible levels defined by applicable regulation or the Company’s generally more restrictive internal policy limits. Loans to a single borrower, or to a related group of borrowers, are referred to as related credits. Total related credits encompass all related or affiliated borrower loan balances, including available unused lines of credit, for both personal and business loans. At September 30, 2020, the Company had 30 total related credit relationships, comprised of 276 individual loans, with outstanding balances in excess of $5.0 million. These total related credits ranged from $5.0 million to $14.5 million at September 30, 2020 with aggregate balances of $244.7 million. Of the $244.7 million in total related credits, $220.7 million was secured by various collateral assets, primarily commercial real estate, $10.9 million was unsecured, and $13.1 million were PPP loans. In addition, the 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 September 30, 2020: (Dollars in thousands) Balance Number of Loans Average Loan Balance Minimum/ Maximum Loan Balance Allowance for Loan Losses Percent of Total Loans Residential Mortgage Loans $ 223,166 2,119 $ 105 $ 1 - $ 1,556 $ 791 27 % Commercial Real Estate: Multi-Family Residential $ 48,740 58 $ 840 $ 26 - $ 6,275 $ 830 6 % Mixed Use 46,358 52 892 52 - 7,433 789 6 % Office 32,564 61 534 10 - 4,877 555 4 % Hotels and Motels 32,088 9 3,565 346 - 11,500 546 4 % Retail 22,139 47 471 35 - 5,187 377 3 % 1-4 Family Residential 18,667 149 125 7 - 1,250 318 2 % Automobile Dealership 16,600 10 1,660 171 - 6,841 283 2 % Warehouse 12,094 16 756 5 - 2,760 206 1 % Recreation/ Golf Course/ Marina 10,769 14 769 29 - 3,150 183 1 % Skilled Nursing Facility 10,531 2 5,266 3,720 - 6,811 179 1 % Manufacturing/Industrial 6,573 15 438 2 - 1,428 112 1 % Restaurant 6,211 23 270 47 - 1,291 106 1 % Automobile Repair 4,806 10 481 60 - 2,340 82 1 % Land 3,412 5 682 73 - 2,000 58 0 % Not-For-Profit & Community Service Real Estate 3,354 3 1,118 108 - 1,659 57 0 % All Other 7,950 34 234 14 - 1,488 135 1 % Total Commercial Real Estate Loans $ 282,856 508 $ 557 $ 4,816 34 % Commercial and Industrial: Secured Term Loans $ 60,670 361 $ 168 $ 0 - $ 4,735 $ 1,837 8 % Unsecured Term Loans 17,154 130 132 0 - 1,362 519 2 % Secured Lines of Credit 41,386 282 147 0 - 5,000 1,253 5 % Unsecured Lines of Credit 11,025 141 78 0 - 2,543 334 1 % Total Commercial and Industrial Loans $ 130,235 914 $ 142 $ 3,943 16 % Tax Exempt Loans $ 6,998 22 $ 318 $ 9 - $ 2,248 $ 1 1 % Paycheck Protection Loans $ 75,278 697 $ 108 $ 1 - $ 3,001 $ - 9 % Consumer: Home Equity Lines of Credit $ 40,505 1,055 $ 38 $ 0 - $ 288 $ 735 5 % Vehicle 28,766 1,877 15 1 - 364 503 4 % Consumer Secured 4,063 80 51 22 - 143 71 0 % Consumer Unsecured 27,612 6,060 5 1 - 113 482 4 % All Others 2,557 1,079 2 0 - 339 45 0 % Total Consumer Loans $ 103,503 10,151 $ 10 $ 1,836 13 % Net deferred loan fees (1,727 ) - - - - Unallocated allowance for loan losses - - - 716 - Total Loans $ 820,309 14,411 $ 57 $ 12,103 100 %

Subsequent Events

Subsequent Events	9 Months Ended
	Sep. 30, 2020
Subsequent Events [Abstract]
Subsequent Events	Note 16: Subsequent Events On October 14, 2020, the Company announced the completion of its private placement of $25 million of its 5.50% Fixed to Floating Rate Subordinated Notes (the “Notes”) to certain qualified institutional buyers and accredited institutional investors. The Notes have a maturity date of October 15, 2030 and initially bear 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 Notes at par, in whole or in part, at its option, anytime beginning on October 15, 2025. The Notes are intended to qualify as Tier 2 capital for regulatory capital purposes for the Company if applicable and are expected to have an all-in cost, considering deferred placement expenses, of approximately 6.13%

Earnings per Common Share (Tabl

Earnings per Common Share (Tables)	9 Months Ended
	Sep. 30, 2020
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. Three months ended Nine months ended September 30, September 30, (In thousands, except per share data) 2020 2019 2020 2019 Net income attributable to Pathfinder Bancorp, Inc. $ 1,474 $ 1,295 $ 5,005 $ 2,416 Convertible preferred stock dividends 70 70 208 139 Warrant dividends 7 7 22 15 Undistributed earnings allocated to participating securities 241 206 853 195 Net income available to common shareholders $ 1,156 $ 1,012 $ 3,922 $ 2,067 Basic weighted average common shares outstanding 4,650 4,579 4,632 4,423 Effect of assumed exercise of stock options and unvested restricted stock units - - - - Diluted weighted average common shares outstanding 4,650 4,579 4,632 4,423 Basic earnings per common share $ 0.25 $ 0.22 $ 0.85 $ 0.47 Diluted earnings per common share $ 0.25 $ 0.22 $ 0.85 $ 0.47

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2020
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: September 30, 2020 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 $ 21,524 $ 9 $ (26 ) $ 21,507 State and political subdivisions 16,881 95 (18 ) 16,958 Corporate 11,356 249 (16 ) 11,589 Asset backed securities 11,891 41 (71 ) 11,861 Residential mortgage-backed - US agency 12,992 303 (18 ) 13,277 Collateralized mortgage obligations - US agency 26,054 172 (453 ) 25,773 Collateralized mortgage obligations - Private label 18,410 409 (94 ) 18,725 Total 119,108 1,278 (696 ) 119,690 Equity investment securities: Common stock - financial services industry 206 - - 206 Total 206 - - 206 Total available-for-sale $ 119,314 $ 1,278 $ (696 ) $ 119,896 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 1,000 $ 6 $ - $ 1,006 State and political subdivisions 12,645 523 (68 ) 13,100 Corporate 29,671 1,065 (157 ) 30,579 Asset backed securities 20,065 176 (275 ) 19,966 Residential mortgage-backed - US agency 12,671 568 (32 ) 13,207 Collateralized mortgage obligations - US agency 27,377 987 (1 ) 28,363 Collateralized mortgage obligations - Private label 61,031 702 (122 ) 61,611 Total held-to-maturity $ 164,460 $ 4,027 $ (655 ) $ 167,832 December 31, 2019 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 $ 16,850 $ - $ (30 ) $ 16,820 State and political subdivisions 1,735 1 - 1,736 Corporate 12,347 230 (23 ) 12,554 Asset backed securities 13,190 61 (19 ) 13,232 Residential mortgage-backed - US agency 19,012 56 (88 ) 18,980 Collateralized mortgage obligations - US agency 31,320 35 (570 ) 30,785 Collateralized mortgage obligations - Private label 16,767 97 (43 ) 16,821 Total 111,221 480 (773 ) 110,928 Equity investment securities: Common stock - financial services industry 206 - - 206 Total 206 - - 206 Total available-for-sale $ 111,427 $ 480 $ (773 ) $ 111,134 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 1,998 $ 2 $ - $ 2,000 State and political subdivisions 8,534 124 (4 ) 8,654 Corporate 25,779 584 (29 ) 26,334 Asset backed securities 23,099 101 (115 ) 23,085 Residential mortgage-backed - US agency 13,715 247 (3 ) 13,959 Collateralized mortgage obligations - US agency 19,607 300 (29 ) 19,878 Collateralized mortgage obligations - Private label 30,256 35 (53 ) 30,238 Total held-to-maturity $ 122,988 $ 1,393 $ (233 ) $ 124,148
Amortized Cost and Estimated Fair Value of Debt Investments by Contractual Maturity	The amortized cost and estimated fair value of debt investments at September 30, 2020 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 $ 15,578 $ 15,581 $ 1,876 $ 1,893 Due after one year through five years 8,573 8,727 16,774 17,339 Due after five years through ten years 14,518 14,594 24,730 25,266 Due after ten years 22,983 23,013 20,001 20,153 Sub-total 61,652 61,915 63,381 64,651 Residential mortgage-backed - US agency 12,992 13,277 12,671 13,207 Collateralized mortgage obligations - US agency 26,054 25,773 27,377 28,363 Collateralized mortgage obligations - Private label 18,410 18,725 61,031 61,611 Totals $ 119,108 $ 119,690 $ 164,460 $ 167,832
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 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, are as follows: September 30, 2020 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 - $ - $ - 1 $ (26 ) $ 4,953 1 $ (26 ) $ 4,953 State and political subdivisions 1 (18 ) 2,592 - - - 1 (18 ) 2,592 Corporate 3 (16 ) 2,257 - - - 3 (16 ) 2,257 Asset backed securities 7 (67 ) 9,217 1 (4 ) 194 8 (71 ) 9,411 Residential mortgage-backed - US agency 1 (18 ) 1,790 - - - 1 (18 ) 1,790 Collateralized mortgage obligations - US agency 1 (22 ) 2,080 2 (431 ) 5,902 3 (453 ) 7,982 Collateralized mortgage obligations - Private label 3 (22 ) 4,077 4 (72 ) 2,806 7 (94 ) 6,883 Totals 16 $ (163 ) $ 22,013 8 $ (533 ) $ 13,855 24 $ (696 ) $ 35,868 Held-to-Maturity Portfolio State and political subdivisions 2 $ (68 ) $ 5,035 - $ - $ - 2 $ (68 ) $ 5,035 Corporate 4 (157 ) 3,574 - - - 4 (157 ) 3,574 Asset backed securities 5 (81 ) 5,288 3 (194 ) 5,135 8 (275 ) 10,423 Residential mortgage-backed - US agency 1 (32 ) 1,982 - - - 1 (32 ) 1,982 Collateralized mortgage obligations - US agency 1 (1 ) 1,514 - - - 1 (1 ) 1,514 Collateralized mortgage obligations - Private label 5 (111 ) 7,518 1 (11 ) 855 6 (122 ) 8,373 Totals 18 $ (450 ) $ 24,911 4 $ (205 ) $ 5,990 22 $ (655 ) $ 30,901 December 31, 2019 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 4 $ (30 ) $ 16,820 - $ - $ - 4 $ (30 ) $ 16,820 Corporate 1 (23 ) 786 - - - 1 (23 ) 786 Asset backed securities 3 (7 ) 5,211 1 (12 ) 594 4 (19 ) 5,805 Residential mortgage-backed - US agency 10 (77 ) 10,709 4 (11 ) 2,543 14 (88 ) 13,252 Collateralized mortgage obligations - US agency 10 (67 ) 15,791 10 (503 ) 10,034 20 (570 ) 25,825 Collateralized mortgage obligations - Private label 2 (7 ) 3,818 5 (36 ) 3,959 7 (43 ) 7,777 Totals 30 $ (211 ) $ 53,135 20 $ (562 ) $ 17,130 50 $ (773 ) $ 70,265 Held-to-Maturity Portfolio State and political subdivisions 1 $ (4 ) $ 3,027 - $ - $ - 1 $ (4 ) $ 3,027 Corporate 2 (29 ) 2,974 - - - 2 (29 ) 2,974 Asset backed securities 6 (115 ) 11,091 - - - 6 (115 ) 11,091 Residential mortgage-backed - US agency - - - 1 (3 ) 198 1 (3 ) 198 Collateralized mortgage obligations - US agency 2 (29 ) 4,907 - - - 2 (29 ) 4,907 Collateralized mortgage obligations - Private label 6 (49 ) 9,396 2 (4 ) 1,132 8 (53 ) 10,528 Totals 17 $ (226 ) $ 31,395 3 $ (7 ) $ 1,330 20 $ (233 ) $ 32,725
Gross Realized Gains (Losses) on Sale of Securities	Gross realized gains (losses) on sales of securities for the indicated periods are detailed below: For the three months For the nine months ended September 30, ended September 30, (In thousands) 2020 2019 2020 2019 Realized gains on investments $ 41 $ 143 $ 1,107 $ 544 Realized losses on investments (14 ) (22 ) (31 ) (312 ) $ 27 $ 121 $ 1,076 $ 232

Pension and Postretirement Be_2

Pension and Postretirement Benefits (Tables)	9 Months Ended
	Sep. 30, 2020
Compensation And Retirement Disclosure [Abstract]
Composition of Net Periodic Pension and Postretirement Plan Costs	The composition of net periodic pension plan and postretirement plan costs for the indicated periods is as follows: Pension Benefits Postretirement Benefits Pension Benefits Postretirement Benefits For the three months ended September 30, For the nine months ended September 30, (In thousands) 2020 2019 2020 2019 2020 2019 2020 2019 Service cost $ - $ - $ - $ - $ - $ - $ - $ - Interest cost 116 124 5 6 349 371 12 16 Expected return on plan assets (273 ) (234 ) - - (820 ) (701 ) - - Amortization of prior service credits - - (1 ) (1 ) - - (3 ) (3 ) Amortization of net losses 57 82 2 3 171 246 7 9 Net periodic benefit plan (benefit) cost $ (100 ) $ (28 ) $ 6 $ 8 $ (300 ) $ (84 ) $ 16 $ 22

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Major Classification of Loans	Major classifications of loans at the indicated dates are as follows: September 30, December 31, (In thousands) 2020 2019 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 216,802 $ 209,559 Construction 5,677 3,963 Loans held-for-sale (1) 687 35,790 Total residential mortgage loans 223,166 249,312 Commercial loans: Real estate 282,856 254,257 Lines of credit 52,411 58,617 Other commercial and industrial 77,824 82,092 Paycheck Protection Program loans 75,278 - Tax exempt loans 6,998 8,067 Total commercial loans 495,367 403,033 Consumer loans: Home equity and junior liens 40,505 46,389 Other consumer 62,998 82,607 Total consumer loans 103,503 128,996 Total loans 822,036 781,341 Net deferred loan fees (1,727 ) 110 Less allowance for loan losses (12,103 ) (8,669 ) Loans receivable, net $ 808,206 $ 772,782 (1) 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. At September 30, 2020, the loans under contract to be sold had a principal balance of $687,268 and net deferred fees of $46. These loans were transferred at their amortized cost of $687,222 as of September 30, 2020, as the fair value of these loans was greater than the amortized cost. At December 31, 2019, the loans under contract to be sold had a principal balance of $35.8 million and net deferred fees of $146,000. These loans were transferred at their amortized cost of $35.9 million as of December 31, 2019, as the fair value of these loans was greater than the amortized cost.
Summary of Purchased Loans Pools	The following table presents details regarding the purchased loan pools: September 30, December 31, (In thousands, except number of loans) 2020 2019 Purchased residential real estate loans Original Balance $ 2,100 $ 2,100 Current Balance 2,000 2,100 Unamortized Premium 129 135 Percent Owned 100 % 100 % Number of Loans 25 25 Maturity range 21-23 years 22-24 years Cumulative net charge-offs - - Purchased other commercial and industrial loans Original Balance 6,800 6,800 Current Balance 5,800 6,600 Unamortized Premium - - Percent Owned 100 % 100 % Number of Loans 40 43 Maturity range 5-9 years 6-10 years Cumulative net charge-offs - - Purchased home equity lines of credit: Original Balance 21,900 21,900 Current Balance 16,100 20,100 Unamortized Premium 328 390 Percent Owned 100 % 100 % Number of Loans 315 376 Maturity range 3-29 years 4-30 years Cumulative net charge-offs - - Purchased automobile loans: Original Balance 50,400 50,400 Current Balance 19,600 27,200 Unamortized Premium 682 930 Percent Owned 90 % 90 % Number of Loans 1,373 1,657 Maturity range 0-6 years 0-6 years Cumulative net charge-offs 227 196 Purchased unsecured consumer loan pool 1: Original Balance 5,400 5,400 Current Balance 4,100 5,000 Unamortized Premium - - Percent Owned 100 % 100 % Number of Loans 80 87 Maturity range 3-6 years 4-7 years Cumulative net charge-offs - - Purchased unsecured consumer loan pool 2: Original Balance 26,600 26,600 Current Balance 17,900 25,800 Unamortized Premium 74 114 Percent Owned 59 % 59 % Number of Loans 2,393 2,768 Maturity range 2-5 years 3-5 years Cumulative net charge-offs - - Purchased unsecured consumer loan pool 3: Original Balance 10,300 10,300 Current Balance 6,500 10,300 Unamortized Premium 160 245 Percent Owned 100 % 100 % Number of Loans 3,260 4,259 Maturity range 0-7 years 0-7 years Cumulative net charge-offs - -
Summary of Classes of Loan Portfolio	The following tables present the classes of the loan portfolio, not including net deferred loan costs, 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: As of September 30, 2020 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 213,373 $ 919 $ 2,058 $ 452 $ 216,802 Construction 5,677 - - - 5,677 Loans held-for-sale 687 - - - 687 Total residential mortgage loans 219,737 919 2,058 452 223,166 Commercial loans: Real estate 264,979 8,967 8,531 379 282,856 Lines of credit 44,469 5,276 2,580 86 52,411 Other commercial and industrial 64,412 10,022 3,351 39 77,824 Paycheck Protection Program loans 75,278 - - - 75,278 Tax exempt loans 6,998 - - - 6,998 Total commercial loans 456,136 24,265 14,462 504 495,367 Consumer loans: Home equity and junior liens 39,736 137 397 235 40,505 Other consumer 62,697 111 190 - 62,998 Total consumer loans 102,433 248 587 235 103,503 Total loans $ 778,306 $ 25,432 $ 17,107 $ 1,191 $ 822,036 As of December 31, 2019 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 205,554 $ 1,093 $ 1,731 $ 1,181 $ 209,559 Construction 3,963 - - - 3,963 Loans held-for-sale 35,790 - - - 35,790 Total residential mortgage loans 245,307 1,093 1,731 1,181 249,312 Commercial loans: Real estate 238,288 12,473 3,194 302 254,257 Lines of credit 50,396 7,945 276 - 58,617 Other commercial and industrial 72,653 8,473 923 43 82,092 Tax exempt loans 8,067 - - - 8,067 Total commercial loans 369,404 28,891 4,393 345 403,033 Consumer loans: Home equity and junior liens 45,414 191 477 307 46,389 Other consumer 82,252 167 188 - 82,607 Total consumer loans 127,666 358 665 307 128,996 Total loans $ 742,377 $ 30,342 $ 6,789 $ 1,833 $ 781,341
Age Analysis of Past Due Loans Segregated by Portfolio Segment and Class of Loans	An age analysis of past due loans, not including net deferred loan costs, segregated by portfolio segment and class of loans, as of September 30, 2020 and December 31, 2019, are detailed in the following tables: As of September 30, 2020 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 $ 697 $ 572 $ 817 $ 2,086 $ 214,716 $ 216,802 Construction - - - - 5,677 5,677 Loans held-for-sale - - - - 687 687 Total residential mortgage loans 697 572 817 2,086 221,080 223,166 Commercial loans: Real estate 4,253 - 3,716 7,969 274,887 282,856 Lines of credit 1,345 30 225 1,600 50,811 52,411 Other commercial and industrial 1,120 25 7,140 8,285 69,539 77,824 Paycheck Protection Program loans - - - - 75,278 75,278 Tax exempt loans - - - - 6,998 6,998 Total commercial loans 6,718 55 11,081 17,854 477,513 495,367 Consumer loans: Home equity and junior liens 130 - 392 522 39,983 40,505 Other consumer 369 222 114 705 62,293 62,998 Total consumer loans 499 222 506 1,227 102,276 103,503 Total loans $ 7,914 $ 849 $ 12,404 $ 21,167 $ 800,869 $ 822,036 As of December 31, 2019 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 $ 947 $ 744 $ 1,613 $ 3,304 $ 206,255 $ 209,559 Construction - - - - 3,963 3,963 Loans held-for-sale - - - - 35,790 35,790 Total residential mortgage loans 947 744 1,613 3,304 246,008 249,312 Commercial loans: Real estate 953 100 2,271 3,324 250,933 254,257 Lines of credit 4,464 25 68 4,557 54,060 58,617 Other commercial and industrial 2,747 315 591 3,653 78,439 82,092 Tax exempt loans - - - - 8,067 8,067 Total commercial loans 8,164 440 2,930 11,534 391,499 403,033 Consumer loans: Home equity and junior liens 315 130 480 925 45,464 46,389 Other consumer 335 50 151 536 82,071 82,607 Total consumer loans 650 180 631 1,461 127,535 128,996 Total loans $ 9,761 $ 1,364 $ 5,174 $ 16,299 $ 765,042 $ 781,341
Nonaccrual Loans Segregated by Class of Loan	Nonaccrual loans, segregated by class of loan, were as follows: September 30, December 31, (In thousands) 2020 2019 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,452 $ 1,613 1,452 1,613 Commercial loans: Real estate 3,771 2,343 Lines of credit 289 68 Other commercial and industrial 7,148 591 11,208 3,002 Consumer loans: Home equity and junior liens 392 480 Other consumer 184 151 576 631 Total nonaccrual loans $ 13,236 $ 5,246
Troubled Debt Restructurings on Financing Receivables	The table below details one loan that was modified as a TDR for the nine months ended September 30, 2019. For the nine months ended September 30, 2019 (In thousands) Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Additional provision for loan losses Residential real estate loans 1 $ 205 $ 250 $ -
Summary of Impaired Loan Information by Portfolio Class	The following table summarizes impaired loan information by portfolio class at the indicated dates: September 30, 2020 December 31, 2019 Unpaid Unpaid Recorded Principal Related Recorded Principal Related (In thousands) Investment Balance Allowance Investment Balance Allowance With no related allowance recorded: 1-4 family first-lien residential mortgages $ 668 $ 668 $ - $ 1,027 $ 1,027 $ - Commercial real estate 4,878 4,958 - 3,996 4,067 - Commercial lines of credit 78 78 - 86 86 - Other commercial and industrial 743 764 - 69 77 - Home equity and junior liens 76 76 - 40 40 - Other consumer 83 83 - 55 55 - With an allowance recorded: 1-4 family first-lien residential mortgages 905 905 149 584 584 97 Commercial real estate 442 442 62 450 450 78 Commercial lines of credit 253 253 253 98 98 98 Other commercial and industrial 1,642 1,642 1,176 866 866 406 Home equity and junior liens 142 142 142 180 180 150 Other consumer - - - 36 36 1 Total: 1-4 family first-lien residential mortgages 1,573 1,573 149 1,611 1,611 97 Commercial real estate 5,320 5,400 62 4,446 4,517 78 Commercial lines of credit 331 331 253 184 184 98 Other commercial and industrial 2,385 2,406 1,176 935 943 406 Home equity and junior liens 218 218 142 220 220 150 Other consumer 83 83 - 91 91 1 Totals $ 9,910 $ 10,011 $ 1,782 $ 7,487 $ 7,566 $ 830
Average Recorded Investment In Impaired Loans	The following table presents the average recorded investment in impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2020 2019 2020 2019 1-4 family first-lien residential mortgages $ 1,586 $ 1,625 $ 1,597 $ 1,625 Commercial real estate 4,991 4,578 4,714 3,723 Commercial lines of credit 255 359 219 323 Other commercial and industrial 1,724 1,131 1,316 1,035 Home equity and junior liens 219 234 219 220 Other consumer 84 95 87 73 Total $ 8,859 $ 8,022 $ 8,152 $ 6,999
Cash Basis Interest Income Recognized On Impaired Loans	The following table presents the cash basis interest income recognized on impaired loans for the periods indicated: For the three months ended For the nine months ended September 30, September 30, (In thousands) 2020 2019 2020 2019 1-4 family first-lien residential mortgages $ 35 $ 19 $ 62 $ 54 Commercial real estate 60 73 129 158 Commercial lines of credit 8 2 13 20 Other commercial and industrial 32 12 54 50 Home equity and junior liens 2 2 6 8 Other consumer 2 2 5 5 Total $ 139 $ 110 $ 269 $ 295

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2020
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. For the three months ended September 30, 2020 1-4 family first-lien Residential Other Paycheck residential construction Commercial Commercial commercial Protection (In thousands) mortgage mortgage real estate lines of credit and industrial Program Allowance for loan losses: Beginning Balance $ 756 $ - $ 4,258 $ 1,208 $ 2,066 $ - Charge-offs - - - (53 ) - - Recoveries - - - 2 - - Provisions 35 - 558 139 581 - Ending balance $ 791 $ - $ 4,816 $ 1,296 $ 2,647 $ - Ending balance: related to loans individually evaluated for impairment $ 149 $ - $ 62 $ 253 $ 1,176 $ - Ending balance: related to loans collectively evaluated for impairment $ 642 $ - $ 4,754 $ 1,043 $ 1,471 $ - Loans receivables: Ending balance $ 216,802 $ 5,677 $ 282,856 $ 52,411 $ 77,824 $ 75,278 Ending balance: individually evaluated for impairment $ 1,573 $ - $ 5,320 $ 331 $ 2,385 $ - Ending balance: collectively evaluated for impairment $ 215,229 $ 5,677 $ 277,536 $ 52,080 $ 75,439 $ 75,278 Home Other Tax exempt and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 644 $ 1,055 $ 565 $ 10,553 Charge-offs - - (94 ) - (147 ) Recoveries - - 13 - 15 Provisions - 91 127 151 1,682 Ending balance $ 1 $ 735 $ 1,101 $ 716 $ 12,103 Ending balance: related to loans individually evaluated for impairment $ - $ 142 $ - $ - $ 1,782 Ending balance: related to loans collectively evaluated for impairment $ 1 $ 593 $ 1,101 $ 716 $ 10,321 Loans receivables: Ending balance $ 6,998 $ 40,505 $ 62,998 $ 687 $ 822,036 Ending balance: individually evaluated for impairment $ - $ 218 $ 83 $ - $ 9,910 Ending balance: collectively evaluated for impairment $ 6,998 $ 40,287 $ 62,915 $ 687 $ 812,126 For the nine months ended September 30, 2020 1-4 family first-lien Residential Other Paycheck residential construction Commercial Commercial commercial Protection (In thousands) mortgage mortgage real estate lines of credit and industrial Program Allowance for loan losses: Beginning Balance $ 580 $ - $ 4,010 $ 1,195 $ 1,645 $ - Charge-offs (125 ) - - (101 ) (9 ) - Recoveries 1 - - 4 - - Provisions 335 - 806 198 1,011 - Ending balance $ 791 $ - $ 4,816 $ 1,296 $ 2,647 $ - Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 553 $ 413 $ 272 $ 8,669 Charge-offs - (28 ) (279 ) - (542 ) Recoveries - 29 47 - 81 Provisions - 181 920 444 3,895 Ending balance $ 1 $ 735 $ 1,101 $ 716 $ 12,103 For the three months ended September 30, 2019 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 724 $ - $ 3,452 $ 1,145 $ 1,702 Charge-offs - - - (5 ) (4 ) Recoveries - - - - 1 Provisions (credits) (77 ) - 388 (84 ) 89 Ending balance $ 647 $ - $ 3,840 $ 1,056 $ 1,788 Ending balance: related to loans individually evaluated for impairment $ 98 $ - $ 77 $ 110 $ 339 Ending balance: related to loans collectively evaluated for impairment $ 549 $ - $ 3,763 $ 946 $ 1,449 Loans receivables: Ending balance $ 241,817 $ 4,241 $ 235,364 $ 58,408 $ 80,829 Ending balance: individually evaluated for impairment $ 1,616 $ - $ 4,695 $ 348 $ 1,115 Ending balance: collectively evaluated for impairment $ 240,201 $ 4,241 $ 230,669 $ 58,060 $ 79,714 Home equity Other Tax exempt and junior liens Consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 386 $ 415 $ - $ 7,825 Charge-offs - (7 ) (107 ) - (123 ) Recoveries - - 27 - 28 Provisions - 95 93 96 600 Ending balance $ 1 $ 474 $ 428 $ 96 $ 8,330 Ending balance: related to loans individually evaluated for impairment $ - $ 152 $ 3 $ - $ 779 Ending balance: related to loans collectively evaluated for impairment $ 1 $ 322 $ 425 $ 96 $ 7,551 Loans receivables: Ending balance $ 8,183 $ 47,512 $ 49,486 $ - $ 725,840 Ending balance: individually evaluated for impairment $ - $ 220 $ 93 $ - $ 8,087 Ending balance: collectively evaluated for impairment $ 8,183 $ 47,292 $ 49,393 $ - $ 717,753 For the nine months ended September 30, 2019 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 766 $ - $ 3,578 $ 730 $ 1,285 Charge-offs (11 ) - - (136 ) (6 ) Recoveries 1 - - - 1 Provisions (credits) (109 ) - 262 462 508 Ending balance $ 647 $ - $ 3,840 $ 1,056 $ 1,788 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 1 $ 409 $ 385 $ 152 $ 7,306 Charge-offs - (7 ) (214 ) - (374 ) Recoveries - - 42 - 44 Provisions (credits) - 72 215 (56 ) 1,354 Ending balance $ 1 $ 474 $ 428 $ 96 $ 8,330
Schedule of Allowance for Loan Losses on Basis of Calculation Methodology	The allocation of the allowance for loan losses summarized on the basis of the Company’s calculation methodology was as follows: September 30, 2020 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Specifically reserved $ 149 $ - $ 62 $ 253 $ 1,176 Historical loss rate 73 - 108 90 46 Qualitative factors 569 - 4,646 953 1,425 Total $ 791 $ - $ 4,816 $ 1,296 $ 2,647 Home equity Other Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 142 $ - $ - $ 1,782 Historical loss rate - 324 842 - 1,483 Qualitative factors 1 269 259 - 8,122 Other - - - 716 716 Total $ 1 $ 735 $ 1,101 $ 716 $ 12,103 September 30, 2019 1-4 family first-lien Residential Other residential construction Commercial Commercial commercial (In thousands) mortgage mortgage real estate lines of credit and industrial Specifically reserved $ 98 $ - $ 77 $ 110 $ 339 Historical loss rate 36 - 93 37 29 Qualitative factors 513 - 3,670 909 1,420 Total $ 647 $ - $ 3,840 $ 1,056 $ 1,788 Home equity Other Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 152 $ 3 $ - $ 779 Historical loss rate - 4 155 - 354 Qualitative factors 1 318 270 - 7,101 Other - - - 96 96 Total $ 1 $ 474 $ 428 $ 96 $ 8,330

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2020
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 the indicated dates, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: September 30, 2020 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 21,507 $ - $ 21,507 State and political subdivisions - 16,958 - 16,958 Corporate - 8,864 - 8,864 Asset backed securities - 11,861 - 11,861 Residential mortgage-backed - US agency - 13,277 - 13,277 Collateralized mortgage obligations - US agency - 25,773 - 25,773 Collateralized mortgage obligations - Private label - 18,725 - 18,725 Total 116,965 116,965 Corporate measured at NAV - - - 2,725 Total available-for-sale securities $ - $ 116,965 $ - $ 119,690 Marketable equity securities $ 1,682 $ - $ - $ 1,682 Interest rate swap derivative fair value hedges $ - $ (102 ) $ - $ (102 ) Interest rate swap derivative cash flow hedges $ - $ (1,414 ) $ - $ (1,414 ) December 31, 2019 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 16,820 $ - $ 16,820 State and political subdivisions - 1,736 - 1,736 Corporate - 7,631 - 7,631 Asset backed securities - 13,232 - 13,232 Residential mortgage-backed - US agency - 18,980 - 18,980 Collateralized mortgage obligations - US agency - 30,785 - 30,785 Collateralized mortgage obligations - Private label - 16,821 - 16,821 Total - 106,005 - 106,005 Corporate measured at NAV - - - 4,923 Total available-for-sale securities $ - $ 106,005 $ - $ 110,928 Marketable equity securities $ - $ 534 $ - $ 534 Interest rate swap derivative fair value hedge $ - $ (92 ) $ - $ (92 )
Summary of Fair Value Assets Measured on Nonrecurring Basis	Pathfinder Bank had the following assets measured at fair value on a nonrecurring basis as of September 30, 2020 and December 31, 2019: September 30, 2020 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 2,302 $ 2,302 December 31, 2019 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 3,105 $ 3,105
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 at the indicated dates. Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At September 30, 2020 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 25% (10%) (Sales Approach) Costs to Sell 7% - 13% (11%) Discounted Cash Flow Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2019 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 20% (9%) (Sales Approach) Costs to Sell 7% - 13% (11%) Discounted Cash Flow
Carrying Amounts and Fair Value of Financial Instruments	The carrying amounts and fair values of the Company’s financial instruments as of the indicated dates are presented in the following table: September 30, 2020 December 31, 2019 Fair Value Carrying Estimated Carrying Estimated (In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and cash equivalents 1 $ 38,981 $ 38,981 $ 20,160 $ 20,160 Investment securities - available-for-sale 2 116,965 116,965 106,005 106,005 Investment securities - available-for-sale NAV 2,725 2,725 4,923 4,923 Investment securities - marketable equity 1 1,682 1,682 - - Investment securities - marketable equity 2 - - 534 534 Investment securities - held-to-maturity 2 164,460 167,832 122,988 124,148 Federal Home Loan Bank stock 2 4,308 4,308 4,834 4,834 Net loans 3 808,206 815,878 772,782 767,654 Accrued interest receivable 1 4,906 4,906 3,712 3,712 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 590,739 $ 590,739 $ 460,293 $ 460,293 Time Deposits 2 407,494 411,771 421,600 422,409 Borrowings 2 80,226 82,567 93,125 93,643 Subordinated loans 2 15,154 14,615 15,128 14,921 Accrued interest payable 1 188 188 396 396 Interest rate swap derivative fair value hedges 2 102 102 92 92 Interest rate swap derivative cash flow hedges 2 1,414 1,414 - -

Interest Rate Derivatives (Tabl

Interest Rate Derivatives (Tables)	9 Months Ended
	Sep. 30, 2020
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Cumulative Basis Adjustments for Fair Value Hedges	As of September 30, 2020 and December 31, 2019, the following amounts were recorded on the balance sheet related to the cumulative basis adjustments for fair value hedges: (In thousands) Carrying Amount of the Hedged Assets at September 30, 2020 Cumulative Amount of Fair Value Hedging Adjustment Included in The Carrying Amount of the Hedged Assets at September 30, 2020 Carrying Amount of the Hedged Assets at December 31, 2019 Cumulative Amount of Fair Value Hedging Adjustment Included in The Carrying Amount of the Hedged Assets at December 31, 2019 Line item on the balance sheet in which the hedged item is included: Loans receivable (1) $ 14,693 $ 102 $ 19,254 $ 75 (1) These amounts include the amortized cost basis of the hedged portfolio used to designate the hedging relationship in which the hedged item is the remaining amortized cost of the last layer expected to be remaining at the end of the hedging contract term. At September 30, 2020 and December 31, 2019, the amortized cost of the basis of the closed portfolio used in the hedging relationship was $14.7 million and $19.3 million, the cumulative basis adjustment associated with the hedging relationship was $102,000 and $75,000, and the amount of the designated hedged item was $9.2 million and $9.2 million, respectively.
Schedule of Cash Flow Hedges	(In thousands) September 30, 2020 December 31, 2019 Cash flow hedges: Total unamortized premium $ 216 $ - Fair market value adjustment interest rate cap (203 ) - Total unamortized cap 13 - Fair market value adjustment interest rate swap (1,210 ) - Total loss in comprehensive income $ (1,413 ) $ -
Schedule of Derivative Instruments Effect on Other Comprehensive Income (Loss)	For the three months ended For the nine months ended (In thousands) September 30, 2020 September 30, 2019 September 30, 2020 September 30, 2019 Balance as of December 31: $ - $ - $ - $ - Amount of gains (losses) recognized in other comprehensive income 114 - (1,413 ) - Gains (losses) in other comprehensive income: $ 114 $ - $ (1,413 ) $ -

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2020
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 tables below. For the three months ended September 30, 2020 (In thousands) Retirement Plans Unrealized Gains and Losses on Available-for- Sale Securities Unrealized Losses on Derivatives and Hedging Activities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (2,812 ) $ (341 ) $ (1,207 ) $ (27 ) $ (4,387 ) Other comprehensive income before reclassifications - 821 91 7 919 Amounts reclassified from AOCI 45 (21 ) - - 24 Ending balance $ (2,767 ) $ 459 $ (1,116 ) $ (20 ) $ (3,444 ) For the three months ended September 30, 2019 (In thousands) Retirement Plans Unrealized Gains and Losses on Available-for- Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (3,021 ) $ 43 $ (46 ) $ (3,024 ) Other comprehensive income before reclassifications - 282 5 287 Amounts reclassified from AOCI 67 (96 ) - (29 ) Ending balance $ (2,954 ) $ 229 $ (41 ) $ (2,766 ) For the nine months ended September 30, 2020 (In thousands) Retirement Plans Unrealized Gains and Losses on Available-for- Sale Securities Unrealized Losses on Derivatives and Hedging Activities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (2,717 ) $ (216 ) $ - $ (38 ) $ (2,971 ) Reevaluation of deferred tax asset valuation allowance (1) (188 ) (15 ) - (3 ) (206 ) Other comprehensive income before reclassifications - 1,422 (1,116 ) 21 327 Amounts reclassified from AOCI 138 (732 ) - - (594 ) Ending balance $ (2,767 ) $ 459 $ (1,116 ) $ (20 ) $ (3,444 ) (1) Management determined that the Company, under the current New York State (“NYS”) tax code, was highly unlikely to incur a material NYS tax liability in the foreseeable future. As a result, certain net current and deferred tax assets, related to GAAP vs. tax timing differences under previous NYS tax law were no longer going to provide any future tax benefit. The substantial majority of these net deferred tax assets were offset by a related valuation allowance established in prior periods. Therefore, the Company eliminated its remaining NYS net deferred tax asset balances and the related valuation allowance on January 1, 2020. The effect of these eliminations required an adjustment to other comprehensive income balances and had no effect on 2020 reported earnings. For the nine months ended September 30, 2019 (In thousands) Retirement Plans Unrealized Gains and Losses on Available-for- Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (3,152 ) $ (2,832 ) $ (58 ) $ (6,042 ) Other comprehensive income before reclassifications - 3,244 17 3,261 Amounts reclassified from AOCI 198 (183 ) - 15 Ending balance $ (2,954 ) $ 229 $ (41 ) $ (2,766 )
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 period: Amount Reclassified Amount Reclassified from AOCI (1) from AOCI (1) (Unaudited) (Unaudited) (In thousands) For the three months ended For the nine months ended Details about AOCI (1) September 30, 2020 September 30, 2019 Affected Line Item in the Statement of Income September 30, 2020 September 30, 2019 Retirement plan items Retirement plan net losses recognized in plan expenses (2) $ (58 ) $ (84 ) Salaries and employee benefits $ (175 ) $ (252 ) Tax effect 12 17 Provision for income taxes 37 54 $ (46 ) $ (67 ) Net Income $ (138 ) $ (198 ) Available-for-sale securities Realized gain on sale of securities $ 27 $ 121 Net gains on sales and redemptions of investment securities $ 926 $ 232 Tax effect (6 ) (25 ) Provision for income taxes (194 ) (49 ) $ 21 $ 96 Net Income $ 732 $ 183 (1) Amounts in parentheses indicates debits in net income. (2) These items are included in net periodic pension cost. See Note 5 for additional information.

Noninterest Income (Tables)

Noninterest Income (Tables)	9 Months Ended
	Sep. 30, 2020
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 periods presented. For the three months For the nine months ended September 30, ended September 30, (In thousands) 2020 2019 2020 2019 Service fees Insufficient funds fees $ 195 $ 347 $ 618 $ 827 Deposit related fees 100 28 272 133 ATM fees 44 24 108 69 Total service fees 339 399 998 1,029 Fee Income Insurance commissions 215 168 734 620 Investment services revenue 87 58 235 203 ATM fees surcharge 57 68 167 173 Banking house rents collected 47 32 189 100 Total fee income 406 326 1,325 1,096 Card income Debit card interchange fees 209 166 577 497 Merchant card fees 20 21 51 58 Total card income 229 187 628 555 Mortgage fee income and realized gain on sale of loans and foreclosed real estate Loan servicing fees 90 57 218 144 Net gain on sales of loans and foreclosed real estate 134 38 903 43 Total mortgage fee income and realized gain on sale of loans and foreclosed real estate 224 95 1,121 187 Total 1,198 1,007 4,072 2,867 Earnings and gain on bank owned life insurance 133 133 355 355 Net gains on sales and redemptions of investment securities 27 121 1,076 232 Gains/(Losses) on marketable equity securities 118 4 (798 ) 61 Other miscellaneous income 15 21 65 83 Total noninterest income $ 1,491 $ 1,286 $ 4,770 $ 3,598

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2020
Leases [Abstract]
Components of Lease Expense	The components of the lease expense are as follows: For the three months ended For the nine months ended (In thousands) September 30, 2020 September 30, 2019 September 30, 2020 September 30, 2019 Operating lease cost $ 61 $ 61 $ 182 $ 180 Finance lease cost 20 20 60 32
Supplemental Cash Flow Information Related To Leases	For the three months ended For the nine months ended (In thousands) September 30, 2020 September 30, 2019 September 30, 2020 September 30, 2019 Cash paid for amount included in the measurement of lease liabilities: Operating cash flows from operating leases $ 56 $ 55 $ 167 $ 159 Operating cash flows from finance leases 20 20 60 32 Financing cash flows from finance leases 18 17 53 28
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) September 30, 2020 December 31, 2019 Operating Leases: Operating lease right-of-use assets $ 2,275 $ 2,386 Operating lease liabilities $ 2,554 $ 2,650 Finance Leases: Financial Liability $ 585 $ 578 Weighted Average Remaining Lease Term: Operating Leases 19.21 years 19.58 years Finance Leases 28.67 years 29.42 years Weighted Average Discount Rate: Operating Leases 3.72 % 3.71 % Finance Leases 13.75 % 13.75 %
Maturities of Lease Liabilities	Maturities of lease liabilities were as follows: Twelve Months Ending September 30, (In thousands) 2021 $ 104 2022 97 2023 107 2024 116 2025 123 Thereafter 2,592 Total minimum lease payments $ 3,139

COVID-19 (Tables)

COVID-19 (Tables)	9 Months Ended
	Sep. 30, 2020
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 September 30, 2020: (Dollars in thousands) Balance Number of Loans Average Loan Balance Minimum/ Maximum Loan Balance Allowance for Loan Losses Percent of Total Loans Residential Mortgage Loans $ 223,166 2,119 $ 105 $ 1 - $ 1,556 $ 791 27 % Commercial Real Estate: Multi-Family Residential $ 48,740 58 $ 840 $ 26 - $ 6,275 $ 830 6 % Mixed Use 46,358 52 892 52 - 7,433 789 6 % Office 32,564 61 534 10 - 4,877 555 4 % Hotels and Motels 32,088 9 3,565 346 - 11,500 546 4 % Retail 22,139 47 471 35 - 5,187 377 3 % 1-4 Family Residential 18,667 149 125 7 - 1,250 318 2 % Automobile Dealership 16,600 10 1,660 171 - 6,841 283 2 % Warehouse 12,094 16 756 5 - 2,760 206 1 % Recreation/ Golf Course/ Marina 10,769 14 769 29 - 3,150 183 1 % Skilled Nursing Facility 10,531 2 5,266 3,720 - 6,811 179 1 % Manufacturing/Industrial 6,573 15 438 2 - 1,428 112 1 % Restaurant 6,211 23 270 47 - 1,291 106 1 % Automobile Repair 4,806 10 481 60 - 2,340 82 1 % Land 3,412 5 682 73 - 2,000 58 0 % Not-For-Profit & Community Service Real Estate 3,354 3 1,118 108 - 1,659 57 0 % All Other 7,950 34 234 14 - 1,488 135 1 % Total Commercial Real Estate Loans $ 282,856 508 $ 557 $ 4,816 34 % Commercial and Industrial: Secured Term Loans $ 60,670 361 $ 168 $ 0 - $ 4,735 $ 1,837 8 % Unsecured Term Loans 17,154 130 132 0 - 1,362 519 2 % Secured Lines of Credit 41,386 282 147 0 - 5,000 1,253 5 % Unsecured Lines of Credit 11,025 141 78 0 - 2,543 334 1 % Total Commercial and Industrial Loans $ 130,235 914 $ 142 $ 3,943 16 % Tax Exempt Loans $ 6,998 22 $ 318 $ 9 - $ 2,248 $ 1 1 % Paycheck Protection Loans $ 75,278 697 $ 108 $ 1 - $ 3,001 $ - 9 % Consumer: Home Equity Lines of Credit $ 40,505 1,055 $ 38 $ 0 - $ 288 $ 735 5 % Vehicle 28,766 1,877 15 1 - 364 503 4 % Consumer Secured 4,063 80 51 22 - 143 71 0 % Consumer Unsecured 27,612 6,060 5 1 - 113 482 4 % All Others 2,557 1,079 2 0 - 339 45 0 % Total Consumer Loans $ 103,503 10,151 $ 10 $ 1,836 13 % Net deferred loan fees (1,727 ) - - - - Unallocated allowance for loan losses - - - 716 - Total Loans $ 820,309 14,411 $ 57 $ 12,103 100 %

Basis of Presentation - Additio

Basis of Presentation - Additional Information (Details)	Sep. 30, 2020
Nature of Operations [Line Items]
Consolidation of membership interest in Fitzgibbons	100.00%
FitzGibbons Agency LLC [Member] | Pathfinder Risk Management Company Inc [Member]
Nature of Operations [Line Items]
Membership interest own in Fitzgibbons through subsidiary	51.00%
Noncontrolling interest by subsidiary	49.00%

Earnings per Common Share - Add

Earnings per Common Share - Additional Information (Details) - USD ($)	May 08, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Common stock, par value (in dollars per share)		$ 0.01		$ 0.01		$ 0.01
Preferred stock, par value (in dollars per share)		$ 0.01		$ 0.01		$ 0.01
Stock Option [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Anti-dilutive stock options (in shares)		256,145	0	170,763	0
Securities Purchase Agreement [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Gross proceeds from private placement	$ 17,000,000
Securities Purchase Agreement [Member] | Private Placement [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Warrant to purchase common stock	125,000
Fair value of warrants	$ 373,000
Exercise price of warrant	$ 14.25
Securities Purchase Agreement [Member] | Series B Preferred Stock [Member] | Private Placement [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Sale of stock	1,155,283
Purchase price	$ 14.25
Preferred stock, par value (in dollars per share)	$ 0.01
Common Stock [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Gross proceeds from private placement				$ 0	$ 4,199,000
Common Stock [Member] | Securities Purchase Agreement [Member] | Private Placement [Member]
Antidilutive Securities Excluded From Computation Of Earnings Per Share [Line Items]
Sale of stock	37,700
Common stock, par value (in dollars per share)	$ 0.01
Purchase price	$ 14.25

Earnings per Common Share - Cal

Earnings per Common Share - Calculations of Basic and Diluted Earnings per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Earnings Per Share [Abstract]
Net income attributable to Pathfinder Bancorp, Inc.	$ 1,474	$ 1,295	$ 5,005	$ 2,416
Convertible preferred stock dividends	70	70	208	139
Warrant dividends	7	7	22	15
Undistributed earnings allocated to participating securities	241	206	853	195
Net income available to common shareholders	$ 1,156	$ 1,012	$ 3,922	$ 2,067
Basic weighted average common shares outstanding (in shares)	4,650	4,579	4,632	4,423
Diluted weighted average common shares outstanding (in shares)	4,650	4,579	4,632	4,423
Earnings per common share - basic	$ 0.25	$ 0.22	$ 0.85	$ 0.47
Earnings per common share - diluted	$ 0.25	$ 0.22	$ 0.85	$ 0.47

Investment Securities - Amortiz

Investment Securities - Amortized Cost and Estimated Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	$ 119,108	$ 111,221
Gross Unrealized Gains, Debt investment securities	1,278	480
Gross Unrealized Losses, Debt investment securities	(696)	(773)
Available-for-sale Securities, Debt investment securities	119,690	110,928
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	119,314	111,427
Gross Unrealized Gains	1,278	480
Gross Unrealized Losses	(696)	(773)
Estimated Fair Value	119,896	111,134
Held-to-maturity securities, debt maturities, Amortized Cost	164,460	122,988
Held to maturity, gross unrealized gains	4,027	1,393
Held to maturity, gross unrealized losses	(655)	(233)
Held-to-maturity Securities, Debt Maturities, Fair Value	167,832	124,148
US Treasury, Agencies and GSEs [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	21,524	16,850
Gross Unrealized Gains, Debt investment securities	9	0
Gross Unrealized Losses, Debt investment securities	(26)	(30)
Available-for-sale Securities, Debt investment securities	21,507	16,820
Held-to-maturity securities, debt maturities, Amortized Cost	1,000	1,998
Held to maturity, gross unrealized gains	6	2
Held to maturity, gross unrealized losses	0	0
Held-to-maturity Securities, Debt Maturities, Fair Value	1,006	2,000
State and Political Subdivisions [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	16,881	1,735
Gross Unrealized Gains, Debt investment securities	95	1
Gross Unrealized Losses, Debt investment securities	(18)	0
Available-for-sale Securities, Debt investment securities	16,958	1,736
Held-to-maturity securities, debt maturities, Amortized Cost	12,645	8,534
Held to maturity, gross unrealized gains	523	124
Held to maturity, gross unrealized losses	(68)	(4)
Held-to-maturity Securities, Debt Maturities, Fair Value	13,100	8,654
Corporate [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	11,356	12,347
Gross Unrealized Gains, Debt investment securities	249	230
Gross Unrealized Losses, Debt investment securities	(16)	(23)
Available-for-sale Securities, Debt investment securities	11,589	12,554
Held-to-maturity securities, debt maturities, Amortized Cost	29,671	25,779
Held to maturity, gross unrealized gains	1,065	584
Held to maturity, gross unrealized losses	(157)	(29)
Held-to-maturity Securities, Debt Maturities, Fair Value	30,579	26,334
Asset Backed Securities [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	11,891	13,190
Gross Unrealized Gains, Debt investment securities	41	61
Gross Unrealized Losses, Debt investment securities	(71)	(19)
Available-for-sale Securities, Debt investment securities	11,861	13,232
Held-to-maturity securities, debt maturities, Amortized Cost	20,065	23,099
Held to maturity, gross unrealized gains	176	101
Held to maturity, gross unrealized losses	(275)	(115)
Held-to-maturity Securities, Debt Maturities, Fair Value	19,966	23,085
Residential Mortgage-Backed - US Agency [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	12,992	19,012
Gross Unrealized Gains, Debt investment securities	303	56
Gross Unrealized Losses, Debt investment securities	(18)	(88)
Available-for-sale Securities, Debt investment securities	13,277	18,980
Held-to-maturity securities, debt maturities, Amortized Cost	12,671	13,715
Held to maturity, gross unrealized gains	568	247
Held to maturity, gross unrealized losses	(32)	(3)
Held-to-maturity Securities, Debt Maturities, Fair Value	13,207	13,959
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	26,054	31,320
Gross Unrealized Gains, Debt investment securities	172	35
Gross Unrealized Losses, Debt investment securities	(453)	(570)
Available-for-sale Securities, Debt investment securities	25,773	30,785
Held-to-maturity securities, debt maturities, Amortized Cost	27,377	19,607
Held to maturity, gross unrealized gains	987	300
Held to maturity, gross unrealized losses	(1)	(29)
Held-to-maturity Securities, Debt Maturities, Fair Value	28,363	19,878
Collateralized Mortgage Obligations - Private Label [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Totals, amortized cost	18,410	16,767
Gross Unrealized Gains, Debt investment securities	409	97
Gross Unrealized Losses, Debt investment securities	(94)	(43)
Available-for-sale Securities, Debt investment securities	18,725	16,821
Held-to-maturity securities, debt maturities, Amortized Cost	61,031	30,256
Held to maturity, gross unrealized gains	702	35
Held to maturity, gross unrealized losses	(122)	(53)
Held-to-maturity Securities, Debt Maturities, Fair Value	61,611	30,238
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 - Amort_2

Investment Securities - Amortized Cost and Estimated Fair Value of Debt Investments by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Due in one year or less	$ 15,578
Due after one year through five years	8,573
Due after five years through ten years	14,518
Due after ten years	22,983
Sub-total	61,652
Amortized cost	119,108	$ 111,221
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	15,581
Due after one year through five years	8,727
Due after five years through ten years	14,594
Due after ten years	23,013
Sub-total	61,915
Available-for-sale securities, debt maturities, fair value, totals	119,690
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Due in one year or less	1,876
Due after one year through five years	16,774
Due after five years through ten years	24,730
Due after ten years	20,001
Sub-total	63,381
Held-to-maturity securities, debt maturities, Amortized Cost	164,460	122,988
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	1,893
Due after one year through five years	17,339
Due after five years through ten years	25,266
Due after ten years	20,153
Sub-total	64,651
Held-to-maturity securities at fair value	167,832	124,148
Residential Mortgage-Backed - US Agency [Member]
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Amortized cost	12,992	19,012
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Available-for-sale securities, debt maturities, fair value, totals	13,277
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	12,671	13,715
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity securities at fair value	13,207	13,959
Collateralized Mortgage Obligations - US Agency [Member]
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Amortized cost	26,054	31,320
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Available-for-sale securities, debt maturities, fair value, totals	25,773
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	27,377	19,607
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity securities at fair value	28,363	19,878
Collateralized Mortgage Obligations - Private Label [Member]
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Amortized cost	18,410	16,767
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Available-for-sale securities, debt maturities, fair value, totals	18,725
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	61,031	30,256
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity securities at fair value	$ 61,611	$ 30,238

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	Sep. 30, 2020USD ($)Security	Dec. 31, 2019USD ($)Security
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	18	17
Number of securities in unrealized loss positions, twelve months or more | Security	4	3
Number of securities in unrealized loss positions | Security	22	20
Less than twelve months Fair Value	$ 24,911	$ 31,395
Twelve months or more Fair Value	5,990	1,330
Total Fair Value	30,901	32,725
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(450)	(226)
Twelve months or more Unrealized Losses	(205)	(7)
Total Unrealized Losses	$ (655)	$ (233)
US Treasury, Agencies and GSEs [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	0	4
Number of securities in unrealized loss positions, twelve months or more | Security	1	0
Number of securities in unrealized loss positions | Security	1	4
Less than twelve months Fair Value	$ 0	$ 16,820
Twelve months or more Fair Value	4,953	0
Total Fair Value	4,953	16,820
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	0	(30)
Twelve months or more Unrealized Losses	(26)	0
Total Unrealized Losses	$ (26)	$ (30)
State and Political Subdivisions [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	1
Number of securities in unrealized loss positions, twelve months or more | Security	0
Number of securities in unrealized loss positions | Security	1
Less than twelve months Fair Value	$ 2,592
Twelve months or more Fair Value	0
Total Fair Value	2,592
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(18)
Twelve months or more Unrealized Losses	0
Total Unrealized Losses	$ (18)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	2	1
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	2	1
Less than twelve months Fair Value	$ 5,035	$ 3,027
Twelve months or more Fair Value	0	0
Total Fair Value	5,035	3,027
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(68)	(4)
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	$ (68)	$ (4)
Corporate [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	3	1
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	3	1
Less than twelve months Fair Value	$ 2,257	$ 786
Twelve months or more Fair Value	0	0
Total Fair Value	2,257	786
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(16)	(23)
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	$ (16)	$ (23)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	4	2
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	4	2
Less than twelve months Fair Value	$ 3,574	$ 2,974
Twelve months or more Fair Value	0	0
Total Fair Value	3,574	2,974
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(157)	(29)
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	$ (157)	$ (29)
Asset Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	7	3
Number of securities in unrealized loss positions, twelve months or more | Security	1	1
Number of securities in unrealized loss positions | Security	8	4
Less than twelve months Fair Value	$ 9,217	$ 5,211
Twelve months or more Fair Value	194	594
Total Fair Value	9,411	5,805
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(67)	(7)
Twelve months or more Unrealized Losses	(4)	(12)
Total Unrealized Losses	$ (71)	$ (19)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	5	6
Number of securities in unrealized loss positions, twelve months or more | Security	3	0
Number of securities in unrealized loss positions | Security	8	6
Less than twelve months Fair Value	$ 5,288	$ 11,091
Twelve months or more Fair Value	5,135	0
Total Fair Value	10,423	11,091
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(81)	(115)
Twelve months or more Unrealized Losses	(194)	0
Total Unrealized Losses	$ (275)	$ (115)
Residential Mortgage-Backed - US Agency [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
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	0	4
Number of securities in unrealized loss positions | Security	1	14
Less than twelve months Fair Value	$ 1,790	$ 10,709
Twelve months or more Fair Value	0	2,543
Total Fair Value	1,790	13,252
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(18)	(77)
Twelve months or more Unrealized Losses	0	(11)
Total Unrealized Losses	$ (18)	$ (88)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	1	0
Number of securities in unrealized loss positions, twelve months or more | Security	0	1
Number of securities in unrealized loss positions | Security	1	1
Less than twelve months Fair Value	$ 1,982	$ 0
Twelve months or more Fair Value	0	198
Total Fair Value	1,982	198
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(32)	0
Twelve months or more Unrealized Losses	0	(3)
Total Unrealized Losses	$ (32)	$ (3)
Collateralized Mortgage Obligations - US Agency [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
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	2	10
Number of securities in unrealized loss positions | Security	3	20
Less than twelve months Fair Value	$ 2,080	$ 15,791
Twelve months or more Fair Value	5,902	10,034
Total Fair Value	7,982	25,825
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(22)	(67)
Twelve months or more Unrealized Losses	(431)	(503)
Total Unrealized Losses	$ (453)	$ (570)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	1	2
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	1	2
Less than twelve months Fair Value	$ 1,514	$ 4,907
Twelve months or more Fair Value	0	0
Total Fair Value	1,514	4,907
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(1)	(29)
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	$ (1)	$ (29)
Collateralized Mortgage Obligations - Private Label [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	3	2
Number of securities in unrealized loss positions, twelve months or more | Security	4	5
Number of securities in unrealized loss positions | Security	7	7
Less than twelve months Fair Value	$ 4,077	$ 3,818
Twelve months or more Fair Value	2,806	3,959
Total Fair Value	6,883	7,777
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(22)	(7)
Twelve months or more Unrealized Losses	(72)	(36)
Total Unrealized Losses	$ (94)	$ (43)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	5	6
Number of securities in unrealized loss positions, twelve months or more | Security	1	2
Number of securities in unrealized loss positions | Security	6	8
Less than twelve months Fair Value	$ 7,518	$ 9,396
Twelve months or more Fair Value	855	1,132
Total Fair Value	8,373	10,528
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(111)	(49)
Twelve months or more Unrealized Losses	(11)	(4)
Total Unrealized Losses	$ (122)	$ (53)
Debt Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Number of securities in unrealized loss positions, less than twelve months | Security	16	30
Number of securities in unrealized loss positions, twelve months or more | Security	8	20
Number of securities in unrealized loss positions | Security	24	50
Less than twelve months Fair Value	$ 22,013	$ 53,135
Twelve months or more Fair Value	13,855	17,130
Total Fair Value	35,868	70,265
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(163)	(211)
Twelve months or more Unrealized Losses	(533)	(562)
Total Unrealized Losses	$ (696)	$ (773)

Investment Securities - Additio

Investment Securities - Additional Information (Details)	9 Months Ended
	Sep. 30, 2020USD ($)Security	Dec. 31, 2019USD ($)Security
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Number of securities in unrealized loss positions, twelve months or more | Security	12
Number of securities amortized | Security	3
Percentage of securities amortized	54.40%
HeldToMaturitySecuritiesAbstract
Number of securities in unrealized loss positions, twelve months or more | Security	4	3
Held to maturity sale securities aggregate fair value	$ 5,990,000	$ 1,330,000
Held-to-maturity securities aggregate unrealized loss	205,000	7,000
Gain (Loss) on Sale of Investments [Abstract]
Securities pledged to collateralize deposit	98,300,000	92,400,000
Securities pledged to collateralize borrowing	$ 13,700,000	$ 21,300,000
Municipal Securities [Member]
Schedule of Available-for-sale Securities and Held-to-Maturity Securities [Line Items]
Months of unrealized loss positions	12 months
Fixed Rate, Private-label Asset-backed Security Rated [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Number of securities in unrealized loss positions, twelve months or more | Security	1
Available for sale securities continuous unrealized loss position twelve months or more amortized historical cost basis	$ 198,000
Available for sale securities aggregate market value	194,000
Available for sale securities unrealized aggregate loss	$ 4,000
Available for sale securities unrealized aggregate loss percentage	(2.10%)
Fixed Rate, Private-label Mortgage-backed Security not Rated [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Number of securities in unrealized loss positions, twelve months or more | Security	4
Available for sale securities aggregate market value	$ 2,800,000
Available for sale securities unrealized aggregate loss	$ 72,000
Available for sale securities unrealized aggregate loss percentage	(2.60%)
Available for sale securities continuous unrealized loss position twelve months or more amortized historical cost basis	$ 2,900,000
1 Private-Label Asset - Backed Securities by Privately Issued Student Loan [Member]
HeldToMaturitySecuritiesAbstract
Number of securities in unrealized loss positions, twelve months or more | Security	1
Held to maturity securities continuous unrealized loss position greater than twelve months amortized historical cost basis	$ 2,000,000
Held to maturity sale securities aggregate fair value	1,900,000
Held-to-maturity securities aggregate unrealized loss	$ 136,000
Held-to-maturity securities aggregate unrealized loss percentage	(6.70%)
1 Private-Label Asset - Backed Securities by Federally Insured Student Loan [Member]
HeldToMaturitySecuritiesAbstract
Number of securities in unrealized loss positions, twelve months or more | Security	1
Held to maturity securities continuous unrealized loss position greater than twelve months amortized historical cost basis	$ 2,000,000
Held to maturity sale securities aggregate fair value	2,000,000
Held-to-maturity securities aggregate unrealized loss	$ 27,000
Held-to-maturity securities aggregate unrealized loss percentage	(1.40%)
1 Private-Label Mortgage-Backed Securities [Member]
HeldToMaturitySecuritiesAbstract
Number of securities in unrealized loss positions, twelve months or more | Security	1
Held to maturity securities continuous unrealized loss position greater than twelve months amortized historical cost basis	$ 1,300,000
Held to maturity sale securities aggregate fair value	1,300,000
Held-to-maturity securities aggregate unrealized loss	$ 31,000
Held-to-maturity securities aggregate unrealized loss percentage	(2.40%)
1 Private-Label Mortgage-Backed Securities [Member] | NRSROP [Member]
HeldToMaturitySecuritiesAbstract
Number of securities in unrealized loss positions, twelve months or more | Security	1
Held to maturity securities continuous unrealized loss position greater than twelve months amortized historical cost basis	$ 866,000
Held to maturity sale securities aggregate fair value	855,000
Held-to-maturity securities aggregate unrealized loss	$ 11,000
Held-to-maturity securities aggregate unrealized loss percentage	(1.30%)

Investment Securities - Gross R

Investment Securities - Gross Realized Gains (Losses) on Sale of Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Gain Loss On Sale Of Investments [Abstract]
Realized gains on investments	$ 41	$ 143	$ 1,107	$ 544
Realized losses on investments	(14)	(22)	(31)	(312)
Total	$ 27	$ 121	$ 1,076	$ 232

Pension and Postretirement Be_3

Pension and Postretirement Benefits - Additional Information (Details)	9 Months Ended
	Sep. 30, 2020
Compensation And Retirement Disclosure [Abstract]
Minimum years of service to participate in the health and life insurance benefits as of January 1, 1995	14 years

Pension and Postretirement Be_4

Pension and Postretirement Benefits - Composition of Net Periodic Pension Plan and Postretirement Plan Costs (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 116	$ 124	$ 349	$ 371
Expected return on plan assets	(273)	(234)	(820)	(701)
Amortization of net losses	57	82	171	246
Net periodic benefit plan (benefit) cost	(100)	(28)	(300)	(84)
Postretirement Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Interest cost	5	6	12	16
Amortization of prior service credits	(1)	(1)	(3)	(3)
Amortization of net losses	2	3	7	9
Net periodic benefit plan (benefit) cost	$ 6	$ 8	$ 16	$ 22

Loans - Major Classification of

Loans - Major Classification of Loans (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 822,036,000	$ 781,341,000	$ 725,840,000
Net deferred loan fees	1,727,000	(110,000)
Less: Allowance for loan losses	12,103,000	8,669,000
Loans receivable, net	808,206,000	772,782,000
Loans Held-For-Sale [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	687,268,000	35,800,000
Net deferred loan fees	46,000	146,000
Residential Mortgage Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	223,166,000	249,312,000
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	216,802,000	209,559,000	241,817,000
Residential Mortgage Loans [Member] | Construction [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	5,677,000	3,963,000
Residential Mortgage Loans [Member] | Loans Held-For-Sale [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	687,000	35,790,000
Commercial Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	495,367,000	403,033,000
Commercial Loans [Member] | Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	282,856,000	254,257,000	235,364,000
Commercial Loans [Member] | Lines of Credit [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	52,411,000	58,617,000	58,408,000
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	77,824,000	82,092,000	80,829,000
Commercial Loans [Member] | Tax Exempt Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	6,998,000	8,067,000	8,183,000
Commercial Loans [Member] | Paycheck Protection Program loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	75,278,000
Consumer Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	103,503,000	128,996,000
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	40,505,000	46,389,000	47,512,000
Consumer Loans [Member] | Other Consumer [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 62,998,000	$ 82,607,000	$ 49,486,000

Loans - Major Classification _2

Loans - Major Classification of Loans (Parenthetical) (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 822,036,000	$ 781,341,000	$ 725,840,000
Net deferred loan fees	1,727,000	(110,000)
Loans Held-For-Sale [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	687,268,000	35,800,000
Net deferred loan fees	46,000	146,000
Loans and leases receivable amortized cost	$ 687,222,000,000	$ 35,900,000

Loans - Summary of Purchased Lo

Loans - Summary of Purchased Loans Pools (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020USD ($)Loan	Dec. 31, 2019USD ($)Loan
Residential Mortgage
Accounts Notes And Loans Receivable [Line Items]
Original Balance	$ 2,100	$ 2,100
Current Balance	2,000	2,100
Unamortized Premium	$ 129	$ 135
Percent Owned	100.00%	100.00%
Number of Loans | Loan	25	25
Residential Mortgage | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	21 years	22 years
Residential Mortgage | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	23 years	24 years
Commercial Loan
Accounts Notes And Loans Receivable [Line Items]
Current Balance	$ 5,800	$ 6,600
Percent Owned	100.00%	100.00%
Number of Loans | Loan	40	43
Original Balance	$ 6,800	$ 6,800
Commercial Loan | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	5 years	6 years
Commercial Loan | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	9 years	10 years
Home Equity Line of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Current Balance	$ 16,100	$ 20,100
Unamortized Premium	$ 328	$ 390
Percent Owned	100.00%	100.00%
Number of Loans | Loan	315	376
Original Balance	$ 21,900	$ 21,900
Home Equity Line of Credit [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	3 years	4 years
Home Equity Line of Credit [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	29 years	30 years
Automobile Loans [MEmber]
Accounts Notes And Loans Receivable [Line Items]
Current Balance	$ 19,600	$ 27,200
Unamortized Premium	$ 682	$ 930
Percent Owned	90.00%	90.00%
Number of Loans | Loan	1,373	1,657
Cumulative net charge-offs	$ 227	$ 196
Original Balance	$ 50,400	$ 50,400
Automobile Loans [MEmber] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	0 years	0 years
Automobile Loans [MEmber] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	6 years	6 years
Consumer Loan Pool 1 [Member]
Accounts Notes And Loans Receivable [Line Items]
Current Balance	$ 4,100	$ 5,000
Percent Owned	100.00%	100.00%
Number of Loans | Loan	80	87
Original Balance	$ 5,400	$ 5,400
Consumer Loan Pool 1 [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	3 years	4 years
Consumer Loan Pool 1 [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	6 years	7 years
Purchased Unsecured Consumer Loan Pool2
Accounts Notes And Loans Receivable [Line Items]
Current Balance	$ 17,900	$ 25,800
Unamortized Premium	$ 74	$ 114
Percent Owned	59.00%	59.00%
Number of Loans | Loan	2,393	2,768
Original Balance	$ 26,600	$ 26,600
Purchased Unsecured Consumer Loan Pool2 | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	2 years	3 years
Purchased Unsecured Consumer Loan Pool2 | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	5 years	5 years
Purchased Unsecured Consumer Loan Pool3
Accounts Notes And Loans Receivable [Line Items]
Current Balance	$ 6,500	$ 10,300
Unamortized Premium	$ 160	$ 245
Percent Owned	100.00%	100.00%
Number of Loans | Loan	3,260	4,259
Original Balance	$ 10,300	$ 10,300
Purchased Unsecured Consumer Loan Pool3 | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	0 years	0 years
Purchased Unsecured Consumer Loan Pool3 | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Maturity range	7 years	7 years

Loans - Additional Information

Loans - Additional Information (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)Loan	Sep. 30, 2019USD ($)Loan	Sep. 30, 2020USD ($)LoanSegment	Sep. 30, 2019USD ($)Loan	Dec. 31, 2019USD ($)
Accounts Notes And Loans Receivable [Line Items]
Number of portfolio segment | Segment			3
Total loans	$ 822,036,000	$ 725,840,000	$ 822,036,000	$ 725,840,000	$ 781,341,000
Nonaccrual status loans	13,236,000		13,236,000		5,246,000
Substandard [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	17,107,000		17,107,000		6,789,000
Special Mention [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 25,432,000		$ 25,432,000		30,342,000
COVID-19 [Member] | Ninety Days Deferral [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Loan	548		548
Total loans	$ 145,600,000		$ 145,600,000
COVID-19 [Member] | Deferral
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 25,900,000		$ 25,900,000
Percentage of total outstanding loans			3.20%
Troubled Debt Restructuring During Prior Twelve Months [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of loans subsequently defaulted | Loan			0	0
Residential Real Estate Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of loans | Loan	0		0	1
Other Commercial and Industrial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of loans | Loan		0		1
Residential Mortgage or Consumer Loans [Member] | COVID-19 [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Loan	38		38
Total loans	$ 2,600,000		$ 2,600,000
Residential Mortgage or Consumer Loans [Member] | COVID-19 [Member] | Ninety Days Deferral [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Loan	250		250
Total loans	$ 21,200,000		$ 21,200,000
Residential Mortgage or Consumer Loans [Member] | COVID-19 [Member] | Deferral
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Loan	38		38
Total loans	$ 2,600,000		$ 2,600,000
Residential and Consumer Loans [Member] | COVID-19 [Member] | Non-Deferral
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Loan	212		212
Total loans	$ 18,600,000		$ 18,600,000
Commercial Real Estate Or Other Commercial And Industrial Loans | COVID-19 [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Loan	48		48
Total loans	$ 23,300,000		$ 23,300,000
Commercial Real Estate Or Other Commercial And Industrial Loans | COVID-19 [Member] | Ninety Days Deferral [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Loan	298		298
Total loans	$ 124,500,000		$ 124,500,000
Commercial Real Estate Or Commercial And Industrial Loans | COVID-19 [Member] | Non-Deferral
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Loan	250		250
Total loans	$ 101,200,000		$ 101,200,000
Commercial Real Estate Or Commercial And Industrial Loans | COVID-19 [Member] | Deferral
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Loan	48		48
Total loans	$ 23,300,000		$ 23,300,000
One Eighty Days And Beyond Deferral | COVID-19 [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Loan	4		4
Total loans	$ 8,700,000		$ 8,700,000
Residential Mortgage Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Residential mortgage loans pledged to FHLBNY as blanket collateral	111,800,000		111,800,000		136,900,000
Total loans	223,166,000		223,166,000		249,312,000
Nonaccrual status loans	1,452,000		1,452,000		1,613,000
Residential Mortgage Loans [Member] | Substandard [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,058,000		2,058,000		1,731,000
Residential Mortgage Loans [Member] | Special Mention [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	919,000		919,000		1,093,000
Commercial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	495,367,000		495,367,000		403,033,000
Nonaccrual status loans	11,208,000		11,208,000		3,002,000
Threshold balance	100,000		100,000
Commercial Loans [Member] | Substandard [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	14,462,000		14,462,000		4,393,000
Accruing Interest	8,000,000		8,000,000
Nonaccrual status loans	6,500,000		6,500,000
Commercial Loans [Member] | Special Mention [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	24,265,000		24,265,000		28,891,000
Nonaccrual status loans	4,700,000		4,700,000
Commercial Loans [Member] | Other Commercial and Industrial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	77,824,000	$ 80,829,000	77,824,000	$ 80,829,000	82,092,000
Nonaccrual status loans	7,148,000		7,148,000		591,000
Commercial Loans [Member] | Other Commercial and Industrial Loans [Member] | Substandard [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,351,000		3,351,000		923,000
Commercial Loans [Member] | Other Commercial and Industrial Loans [Member] | Special Mention [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 10,022,000		$ 10,022,000		$ 8,473,000

Loans - Summary of Classes of L

Loans - Summary of Classes of Loan Portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable Recorded Investment [Line Items]
Total loans	$ 822,036	$ 781,341	$ 725,840
Pass [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	778,306	742,377
Special Mention [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	25,432	30,342
Substandard [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	17,107	6,789
Doubtful [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	1,191	1,833
Residential Mortgage Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	223,166	249,312
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	216,802	209,559	241,817
Residential Mortgage Loans [Member] | Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	5,677	3,963
Residential Mortgage Loans [Member] | Loan Held For Sale
Financing Receivable Recorded Investment [Line Items]
Total loans	687	35,790
Residential Mortgage Loans [Member] | Pass [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	219,737	245,307
Residential Mortgage Loans [Member] | Pass [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	213,373	205,554
Residential Mortgage Loans [Member] | Pass [Member] | Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	5,677	3,963
Residential Mortgage Loans [Member] | Pass [Member] | Loan Held For Sale
Financing Receivable Recorded Investment [Line Items]
Total loans	687	35,790
Residential Mortgage Loans [Member] | Special Mention [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	919	1,093
Residential Mortgage Loans [Member] | Special Mention [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	919	1,093
Residential Mortgage Loans [Member] | Special Mention [Member] | Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0	0
Residential Mortgage Loans [Member] | Special Mention [Member] | Loan Held For Sale
Financing Receivable Recorded Investment [Line Items]
Total loans	0	0
Residential Mortgage Loans [Member] | Substandard [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	2,058	1,731
Residential Mortgage Loans [Member] | Substandard [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	2,058	1,731
Residential Mortgage Loans [Member] | Substandard [Member] | Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0	0
Residential Mortgage Loans [Member] | Substandard [Member] | Loan Held For Sale
Financing Receivable Recorded Investment [Line Items]
Total loans	0	0
Residential Mortgage Loans [Member] | Doubtful [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	452	1,181
Residential Mortgage Loans [Member] | Doubtful [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	452	1,181
Residential Mortgage Loans [Member] | Doubtful [Member] | Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0	0
Residential Mortgage Loans [Member] | Doubtful [Member] | Loan Held For Sale
Financing Receivable Recorded Investment [Line Items]
Total loans	0	0
Commercial Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	495,367	403,033
Commercial Loans [Member] | Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	282,856	254,257	235,364
Commercial Loans [Member] | Lines of Credit [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	52,411	58,617	58,408
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	77,824	82,092	80,829
Commercial Loans [Member] | Tax Exempt Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	6,998	8,067	8,183
Commercial Loans [Member] | Paycheck Protection Program loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	75,278
Commercial Loans [Member] | Pass [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	456,136	369,404
Commercial Loans [Member] | Pass [Member] | Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	264,979	238,288
Commercial Loans [Member] | Pass [Member] | Lines of Credit [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	44,469	50,396
Commercial Loans [Member] | Pass [Member] | Other Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	64,412	72,653
Commercial Loans [Member] | Pass [Member] | Tax Exempt Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	6,998	8,067
Commercial Loans [Member] | Pass [Member] | Paycheck Protection Program loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	75,278
Commercial Loans [Member] | Special Mention [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	24,265	28,891
Commercial Loans [Member] | Special Mention [Member] | Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	8,967	12,473
Commercial Loans [Member] | Special Mention [Member] | Lines of Credit [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	5,276	7,945
Commercial Loans [Member] | Special Mention [Member] | Other Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	10,022	8,473
Commercial Loans [Member] | Special Mention [Member] | Tax Exempt Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0	0
Commercial Loans [Member] | Special Mention [Member] | Paycheck Protection Program loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Commercial Loans [Member] | Substandard [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	14,462	4,393
Commercial Loans [Member] | Substandard [Member] | Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	8,531	3,194
Commercial Loans [Member] | Substandard [Member] | Lines of Credit [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	2,580	276
Commercial Loans [Member] | Substandard [Member] | Other Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	3,351	923
Commercial Loans [Member] | Substandard [Member] | Tax Exempt Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0	0
Commercial Loans [Member] | Substandard [Member] | Paycheck Protection Program loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Commercial Loans [Member] | Doubtful [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	504	345
Commercial Loans [Member] | Doubtful [Member] | Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	379	302
Commercial Loans [Member] | Doubtful [Member] | Lines of Credit [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	86	0
Commercial Loans [Member] | Doubtful [Member] | Other Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	39	43
Commercial Loans [Member] | Doubtful [Member] | Tax Exempt Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0	0
Commercial Loans [Member] | Doubtful [Member] | Paycheck Protection Program loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	0
Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	103,503	128,996
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	40,505	46,389	47,512
Consumer Loans [Member] | Other Consumer [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	62,998	82,607	$ 49,486
Consumer Loans [Member] | Pass [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	102,433	127,666
Consumer Loans [Member] | Pass [Member] | Home Equity and Junior Liens [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	39,736	45,414
Consumer Loans [Member] | Pass [Member] | Other Consumer [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	62,697	82,252
Consumer Loans [Member] | Special Mention [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	248	358
Consumer Loans [Member] | Special Mention [Member] | Home Equity and Junior Liens [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	137	191
Consumer Loans [Member] | Special Mention [Member] | Other Consumer [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	111	167
Consumer Loans [Member] | Substandard [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	587	665
Consumer Loans [Member] | Substandard [Member] | Home Equity and Junior Liens [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	397	477
Consumer Loans [Member] | Substandard [Member] | Other Consumer [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	190	188
Consumer Loans [Member] | Doubtful [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	235	307
Consumer Loans [Member] | Doubtful [Member] | Home Equity and Junior Liens [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	235	307
Consumer Loans [Member] | Doubtful [Member] | Other Consumer [Member]
Financing Receivable Recorded Investment [Line Items]
Total loans	$ 0	$ 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	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 21,167	$ 16,299
Current	800,869	765,042
Total Loans Receivable	822,036	781,341	$ 725,840
30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	7,914	9,761
60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	849	1,364
90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	12,404	5,174
Residential Mortgage Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,086	3,304
Current	221,080	246,008
Total Loans Receivable	223,166	249,312
Residential Mortgage Loans [Member] | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	697	947
Residential Mortgage Loans [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	572	744
Residential Mortgage Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	817	1,613
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,086	3,304
Current	214,716	206,255
Total Loans Receivable	216,802	209,559	241,817
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member] | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	697	947
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	572	744
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	817	1,613
Residential Mortgage Loans [Member] | Construction [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	5,677	3,963
Total Loans Receivable	5,677	3,963
Residential Mortgage Loans [Member] | Construction [Member] | 30-59 Days Past Due [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] | Loan Held For Sale
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	687	35,790
Total Loans Receivable	687	35,790
Residential Mortgage Loans [Member] | Loan Held For Sale | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Loan Held For Sale | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Loan Held For Sale | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	17,854	11,534
Current	477,513	391,499
Total Loans Receivable	495,367	403,033
Commercial Loans [Member] | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	6,718	8,164
Commercial Loans [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	55	440
Commercial Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	11,081	2,930
Commercial Loans [Member] | Real Estate [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	7,969	3,324
Current	274,887	250,933
Total Loans Receivable	282,856	254,257	235,364
Commercial Loans [Member] | Real Estate [Member] | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	4,253	953
Commercial Loans [Member] | Real Estate [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	100
Commercial Loans [Member] | Real Estate [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	3,716	2,271
Commercial Loans [Member] | Lines of Credit [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,600	4,557
Current	50,811	54,060
Total Loans Receivable	52,411	58,617	58,408
Commercial Loans [Member] | Lines of Credit [Member] | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,345	4,464
Commercial Loans [Member] | Lines of Credit [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	30	25
Commercial Loans [Member] | Lines of Credit [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	225	68
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	8,285	3,653
Current	69,539	78,439
Total Loans Receivable	77,824	82,092	80,829
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,120	2,747
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	25	315
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	7,140	591
Commercial Loans [Member] | Paycheck Protection Program loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0
Current	75,278
Total Loans Receivable	75,278
Commercial Loans [Member] | Paycheck Protection Program loans [Member] | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	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
Commercial Loans [Member] | Paycheck Protection Program loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0
Commercial Loans [Member] | Tax Exempt Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	6,998	8,067
Total Loans Receivable	6,998	8,067	8,183
Commercial Loans [Member] | Tax Exempt Loans [Member] | 30-59 Days Past Due [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
Consumer Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,227	1,461
Current	102,276	127,535
Total Loans Receivable	103,503	128,996
Consumer Loans [Member] | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	499	650
Consumer Loans [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	222	180
Consumer Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	506	631
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	522	925
Current	39,983	45,464
Total Loans Receivable	40,505	46,389	47,512
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	130	315
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	130
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	392	480
Consumer Loans [Member] | Other Consumer [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	705	536
Current	62,293	82,071
Total Loans Receivable	62,998	82,607	$ 49,486
Consumer Loans [Member] | Other Consumer [Member] | 30-59 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	369	335
Consumer Loans [Member] | Other Consumer [Member] | 60-89 Days Past Due [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	222	50
Consumer Loans [Member] | Other Consumer [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 114	$ 151

Loans - Nonaccrual Loans Segreg

Loans - Nonaccrual Loans Segregated by Class of Loan (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	$ 13,236	$ 5,246
Residential Mortgage Loans [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,452	1,613
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,452	1,613
Commercial Loans [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	11,208	3,002
Commercial Loans [Member] | Real Estate [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	3,771	2,343
Commercial Loans [Member] | Lines of Credit [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	289	68
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	7,148	591
Consumer Loans [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	576	631
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	392	480
Consumer Loans [Member] | Other Consumer [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	$ 184	$ 151

Loans - Troubled Debt Restructu

Loans - Troubled Debt Restructurings on Financing Receivables (Details) - Residential Real Estate Loans [Member] $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2020Loan	Sep. 30, 2020Loan	Sep. 30, 2019USD ($)Loan
Troubled Debt Restructuring, Modified [Abstract]
Number of loans | Loan	0	0	1
Pre-modification outstanding recorded investment			$ 205
Post-modification outstanding recorded investment			250
Additional provision for loan losses			$ 0

Loans - Summary of Impaired Loa

Loans - Summary of Impaired Loan Information by Portfolio Class (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
With an allowance recorded [Abstract]
Related Allowance	$ 1,782	$ 830
Total [Abstract]
Recorded Investment	9,910	7,487
Unpaid Principal Balance	10,011	7,566
Related Allowance	1,782	830
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
With no related allowance recorded [Abstract]
Recorded Investment	668	1,027
Unpaid Principal Balance	668	1,027
With an allowance recorded [Abstract]
Recorded Investment	905	584
Unpaid Principal Balance	905	584
Related Allowance	149	97
Total [Abstract]
Recorded Investment	1,573	1,611
Unpaid Principal Balance	1,573	1,611
Related Allowance	149	97
Commercial Loans [Member] | Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded Investment	4,878	3,996
Unpaid Principal Balance	4,958	4,067
With an allowance recorded [Abstract]
Recorded Investment	442	450
Unpaid Principal Balance	442	450
Related Allowance	62	78
Total [Abstract]
Recorded Investment	5,320	4,446
Unpaid Principal Balance	5,400	4,517
Related Allowance	62	78
Commercial Loans [Member] | Lines of Credit [Member]
With no related allowance recorded [Abstract]
Recorded Investment	78	86
Unpaid Principal Balance	78	86
With an allowance recorded [Abstract]
Recorded Investment	253	98
Unpaid Principal Balance	253	98
Related Allowance	253	98
Total [Abstract]
Recorded Investment	331	184
Unpaid Principal Balance	331	184
Related Allowance	253	98
Commercial Loans [Member] | Other Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Recorded Investment	743	69
Unpaid Principal Balance	764	77
With an allowance recorded [Abstract]
Recorded Investment	1,642	866
Unpaid Principal Balance	1,642	866
Related Allowance	1,176	406
Total [Abstract]
Recorded Investment	2,385	935
Unpaid Principal Balance	2,406	943
Related Allowance	1,176	406
Commercial Loans [Member] | Other Consumer [Member]
With no related allowance recorded [Abstract]
Recorded Investment	83	55
Unpaid Principal Balance	83	55
With an allowance recorded [Abstract]
Recorded Investment	0	36
Unpaid Principal Balance	0	36
Related Allowance	0	1
Total [Abstract]
Recorded Investment	83	91
Unpaid Principal Balance	83	91
Related Allowance	0	1
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
With no related allowance recorded [Abstract]
Recorded Investment	76	40
Unpaid Principal Balance	76	40
With an allowance recorded [Abstract]
Recorded Investment	142	180
Unpaid Principal Balance	142	180
Related Allowance	142	150
Total [Abstract]
Recorded Investment	218	220
Unpaid Principal Balance	218	220
Related Allowance	$ 142	$ 150

Loans - Summary of Average Reco

Loans - Summary of Average Recorded Investment (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Average recorded investment [Abstract]
Average recorded investment in impaired loans	$ 8,859	$ 8,022	$ 8,152	$ 6,999
1-4 Family First Lien Residential Mortgages [Member]
Average recorded investment [Abstract]
Average recorded investment in impaired loans	1,586	1,625	1,597	1,625
Commercial Real Estate [Member]
Average recorded investment [Abstract]
Average recorded investment in impaired loans	4,991	4,578	4,714	3,723
Commercial Lines of Credit [Member]
Average recorded investment [Abstract]
Average recorded investment in impaired loans	255	359	219	323
Other Commercial and Industrial [Member]
Average recorded investment [Abstract]
Average recorded investment in impaired loans	1,724	1,131	1,316	1,035
Home Equity and Junior Liens [Member]
Average recorded investment [Abstract]
Average recorded investment in impaired loans	219	234	219	220
Other Consumer [Member]
Average recorded investment [Abstract]
Average recorded investment in impaired loans	$ 84	$ 95	$ 87	$ 73

Loans - Schedule of Cash Basis

Loans - Schedule of Cash Basis Interest Income Recognized on Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	$ 139	$ 110	$ 269	$ 295
1-4 Family First Lien Residential Mortgages [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	35	19	62	54
Commercial Real Estate [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	60	73	129	158
Commercial Lines of Credit [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	8	2	13	20
Other Commercial and Industrial [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	32	12	54	50
Home Equity and Junior Liens [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	2	2	6	8
Other Consumer [Member]
Cash Basis Interest Recognized on Impaired Loans [Abstract]
Cash basis interest income recognized on impaired loans	$ 2	$ 2	$ 5	$ 5

Allowance for Loan Losses - Add

Allowance for Loan Losses - Additional Information (Details) - USD ($)	Sep. 30, 2020	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Allowance For Loan Losses [Abstract]
Provision for loan losses		$ 1,682,000	$ 600,000	$ 3,895,000	$ 1,354,000
Increase in provision for loan losses		1,100,000		$ 2,500,000
Outstanding loan balance, excluding PPP loans		$ 19,100,000
Percentage of increase in outstanding loan		2.60%
Percentage of additional increase of ratio to total loan in allowance of credit loss		2.57%	1.36%
Allowance for credit losses increase decrease in nonaccrual loan	$ 7,900,000	$ 13,200,000	$ 5,300,000

Allowance for Loan Losses - Cha

Allowance for Loan Losses - Changes in the Allowance for Loan Losses (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Allowance for loan losses:
Beginning Balance	$ 10,553,000	$ 7,825,000	$ 8,669,000	$ 7,306,000
Charge-offs	(147,000)	(123,000)	(542,000)	(374,000)
Recoveries	15,000	28,000	81,000	44,000
Provisions (credits)	1,682,000	600,000	3,895,000	1,354,000
Ending balance	12,103,000	8,330,000	12,103,000	8,330,000
Ending balance: related to loans individually evaluated for impairment	1,782,000	779,000	1,782,000	779,000
Ending balance: related to loans collectively evaluated for impairment	10,321,000	7,551,000	10,321,000	7,551,000
Total Loans Receivable	822,036,000	725,840,000	822,036,000	725,840,000	$ 781,341,000
Ending balance: individually evaluated for impairment	9,910,000	8,087,000	9,910,000	8,087,000
Ending balance: collectively evaluated for impairment	812,126,000	717,753,000	812,126,000	717,753,000
Paycheck Protection Program [Member]
Allowance for loan losses:
Beginning Balance	0		0
Charge-offs	0		0
Recoveries	0		0
Provisions (credits)	0		0
Ending balance	0		0
Ending balance: related to loans individually evaluated for impairment	0		0
Ending balance: related to loans collectively evaluated for impairment	0		0
Total Loans Receivable	75,278,000		75,278,000
Ending balance: individually evaluated for impairment	0		0
Ending balance: collectively evaluated for impairment	75,278,000		75,278,000
Unallocated [Member]
Allowance for loan losses:
Beginning Balance	565,000	0		152,000
Charge-offs	0	0		0
Recoveries	0	0		0
Provisions (credits)	151,000	96,000		(56,000)
Ending balance	716,000	96,000	716,000	96,000
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	716,000	96,000	716,000	96,000
Total Loans Receivable	687,000		687,000
Ending balance: individually evaluated for impairment	0		0
Ending balance: collectively evaluated for impairment	687,000		687,000
Residential Mortgage Loans [Member]
Allowance for loan losses:
Total Loans Receivable	223,166,000		223,166,000		249,312,000
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Allowance for loan losses:
Beginning Balance	756,000	724,000	580,000	766,000
Charge-offs	0	0	(125,000)	(11,000)
Recoveries	0	0	1,000	1,000
Provisions (credits)	35,000	(77,000)	335,000	(109,000)
Ending balance	791,000	647,000	791,000	647,000
Ending balance: related to loans individually evaluated for impairment	149,000	98,000	149,000	98,000
Ending balance: related to loans collectively evaluated for impairment	642,000	549,000	642,000	549,000
Total Loans Receivable	216,802,000	241,817,000	216,802,000	241,817,000	209,559,000
Ending balance: individually evaluated for impairment	1,573,000	1,616,000	1,573,000	1,616,000
Ending balance: collectively evaluated for impairment	215,229,000	240,201,000	215,229,000	240,201,000
Residential Mortgage Loans [Member] | Residential Construction Mortgage [Member]
Allowance for loan losses:
Beginning Balance	0	0	0	0
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (credits)	0	0	0	0
Ending balance	0	0	0	0
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	0	0	0	0
Total Loans Receivable	5,677,000	4,241,000	5,677,000	4,241,000
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	5,677,000	4,241,000	5,677,000	4,241,000
Commercial Loans [Member]
Allowance for loan losses:
Total Loans Receivable	495,367,000		495,367,000		403,033,000
Commercial Loans [Member] | Real Estate [Member]
Allowance for loan losses:
Beginning Balance	4,258,000	3,452,000	4,010,000	3,578,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (credits)	558,000	388,000	806,000	262,000
Ending balance	4,816,000	3,840,000	4,816,000	3,840,000
Ending balance: related to loans individually evaluated for impairment	62,000	77,000	62,000	77,000
Ending balance: related to loans collectively evaluated for impairment	4,754,000	3,763,000	4,754,000	3,763,000
Total Loans Receivable	282,856,000	235,364,000	282,856,000	235,364,000	254,257,000
Ending balance: individually evaluated for impairment	5,320,000	4,695,000	5,320,000	4,695,000
Ending balance: collectively evaluated for impairment	277,536,000	230,669,000	277,536,000	230,669,000
Commercial Loans [Member] | Lines of Credit [Member]
Allowance for loan losses:
Beginning Balance	1,208,000	1,145,000	1,195,000	730,000
Charge-offs	(53,000)	(5,000)	(101,000)	(136,000)
Recoveries	2,000	0	4,000	0
Provisions (credits)	139,000	(84,000)	198,000	462,000
Ending balance	1,296,000	1,056,000	1,296,000	1,056,000
Ending balance: related to loans individually evaluated for impairment	253,000	110,000	253,000	110,000
Ending balance: related to loans collectively evaluated for impairment	1,043,000	946,000	1,043,000	946,000
Total Loans Receivable	52,411,000	58,408,000	52,411,000	58,408,000	58,617,000
Ending balance: individually evaluated for impairment	331,000	348,000	331,000	348,000
Ending balance: collectively evaluated for impairment	52,080,000	58,060,000	52,080,000	58,060,000
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Allowance for loan losses:
Beginning Balance	2,066,000	1,702,000	1,645,000	1,285,000
Charge-offs	0	(4,000)	(9,000)	(6,000)
Recoveries	0	1,000	0	1,000
Provisions (credits)	581,000	89,000	1,011,000	508,000
Ending balance	2,647,000	1,788,000	2,647,000	1,788,000
Ending balance: related to loans individually evaluated for impairment	1,176,000	339,000	1,176,000	339,000
Ending balance: related to loans collectively evaluated for impairment	1,471,000	1,449,000	1,471,000	1,449,000
Total Loans Receivable	77,824,000	80,829,000	77,824,000	80,829,000	82,092,000
Ending balance: individually evaluated for impairment	2,385,000	1,115,000	2,385,000	1,115,000
Ending balance: collectively evaluated for impairment	75,439,000	79,714,000	75,439,000	79,714,000
Commercial Loans [Member] | Tax Exempt Loans [Member]
Allowance for loan losses:
Beginning Balance	1,000	1,000	1,000	1,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (credits)	0	0	0	0
Ending balance	1,000	1,000	1,000	1,000
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	1,000	1,000	1,000	1,000
Total Loans Receivable	6,998,000	8,183,000	6,998,000	8,183,000	8,067,000
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	6,998,000	8,183,000	6,998,000	8,183,000
Consumer Loans [Member]
Allowance for loan losses:
Total Loans Receivable	103,503,000		103,503,000		128,996,000
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Allowance for loan losses:
Beginning Balance	644,000	386,000	553,000	409,000
Charge-offs	0	(7,000)	(28,000)	(7,000)
Recoveries	0	0	29,000	0
Provisions (credits)	91,000	95,000	181,000	72,000
Ending balance	735,000	474,000	735,000	474,000
Ending balance: related to loans individually evaluated for impairment	142,000	152,000	142,000	152,000
Ending balance: related to loans collectively evaluated for impairment	593,000	322,000	593,000	322,000
Total Loans Receivable	40,505,000	47,512,000	40,505,000	47,512,000	46,389,000
Ending balance: individually evaluated for impairment	218,000	220,000	218,000	220,000
Ending balance: collectively evaluated for impairment	40,287,000	47,292,000	40,287,000	47,292,000
Consumer Loans [Member] | Other Consumer [Member]
Allowance for loan losses:
Beginning Balance	1,055,000	415,000	413,000	385,000
Charge-offs	(94,000)	(107,000)	(279,000)	(214,000)
Recoveries	13,000	27,000	47,000	42,000
Provisions (credits)	127,000	93,000	920,000	215,000
Ending balance	1,101,000	428,000	1,101,000	428,000
Ending balance: related to loans individually evaluated for impairment	0	3,000	0	3,000
Ending balance: related to loans collectively evaluated for impairment	1,101,000	425,000	1,101,000	425,000
Total Loans Receivable	62,998,000	49,486,000	62,998,000	49,486,000	$ 82,607,000
Ending balance: individually evaluated for impairment	83,000	93,000	83,000	93,000
Ending balance: collectively evaluated for impairment	62,915,000	$ 49,393,000	62,915,000	$ 49,393,000
Consumer Loans [Member] | Unallocated [Member]
Allowance for loan losses:
Beginning Balance			272,000
Charge-offs			0
Recoveries			0
Provisions (credits)			444,000
Ending balance	$ 716,000		$ 716,000

Allowance for Loan Losses - Sch

Allowance for Loan Losses - Schedule of Allowance for Loan Losses on Basis of Calculation Methodology (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	$ 1,782			$ 779
Historical loss rate	1,483			354
Qualitative factors	8,122			7,101
Other	716			96
Total	12,103	$ 10,553	$ 8,669	8,330	$ 7,825	$ 7,306
Unallocated [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	0			0
Historical loss rate	0			0
Qualitative factors	0			0
Other	716			96
Total	716	565		96	0	152
Residential Mortgage Loans [Member] | 1-4 Family First Lien Residential Mortgages [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	149			98
Historical loss rate	73			36
Qualitative factors	569			513
Total	791	756	580	647	724	766
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	0			0
Qualitative factors	0			0
Total	0	0	0	0	0	0
Commercial Loans [Member] | Real Estate [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	62			77
Historical loss rate	108			93
Qualitative factors	4,646			3,670
Total	4,816	4,258	4,010	3,840	3,452	3,578
Commercial Loans [Member] | Lines of Credit [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	253			110
Historical loss rate	90			37
Qualitative factors	953			909
Total	1,296	1,208	1,195	1,056	1,145	730
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	1,176			339
Historical loss rate	46			29
Qualitative factors	1,425			1,420
Total	2,647	2,066	1,645	1,788	1,702	1,285
Commercial Loans [Member] | Tax Exempt Loans [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	0			0
Historical loss rate	0			0
Qualitative factors	1			1
Other	0
Total	1	1	1	1	1	1
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	142			152
Historical loss rate	324			4
Qualitative factors	269			318
Other	0
Total	735	644	553	474	386	409
Consumer Loans [Member] | Other Consumer [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Specifically reserved	0			3
Historical loss rate	842			155
Qualitative factors	259			270
Other	0
Total	1,101	$ 1,055	413	$ 428	$ 415	$ 385
Consumer Loans [Member] | Unallocated [Member]
Allowance For Loan Losses On Basis Of Calculation Methodology Abstract
Total	$ 716		$ 272

Foreclosed Real Estate - Additi

Foreclosed Real Estate - Additional Information (Details)	Sep. 30, 2020USD ($)Property	Dec. 31, 2019USD ($)Property
Real Estate Properties [Line Items]
Residential real estate loans in the process of foreclosure | $	$ 227,000	$ 341,000
Foreclosed Residential Real Estate
Real Estate Properties [Line Items]
Number of properties | Property	0	0

Guarantees - Additional Informa

Guarantees - Additional Information (Details) $ in Millions	9 Months Ended
	Sep. 30, 2020USD ($)
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Maximum amount of loss due to credit risk	$ 2.3

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Details) - USD ($)	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019
Schedule Of Available For Sale Securities [Line Items]
Equity securities investments, fair value	$ 206,000		$ 206,000
Level 2 [Member] | Equity Security Investment 2 [Member]
Schedule Of Available For Sale Securities [Line Items]
Equity securities investments, fair value			534,000
Level 1 [Member] | Equity Investment [Member]
Schedule Of Available For Sale Securities [Line Items]
Equity securities investments, fair value	1,700,000
Level 1 [Member] | Equity Security Investment 1 [Member]
Schedule Of Available For Sale Securities [Line Items]
Equity securities investments, fair value	1,000,000	$ 918,000	2,100,000
Level 1 [Member] | Equity Security Investment 2 [Member]
Schedule Of Available For Sale Securities [Line Items]
Equity securities investments, fair value	634,000	$ 646,000
Corporate [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale securities aggregate market value	0		$ 0
Corporate [Member] | Level 2 [Member]
Schedule Of Available For Sale Securities [Line Items]
Available for sale securities continuous unrealized loss position twelve months or more amortized historical cost basis	2,600,000
Available for sale securities aggregate market value	$ 2,700,000

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value of Assets on Recurring Basis Segregated by Level of Valuation Inputs (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Debt investment securities:
Investment securities - available-for-sale	$ 119,896	$ 111,134
Equity investment securities:
Equity securities investments, fair value	206	206
Level 1 [Member] | Total Fair Value [Member]
Equity investment securities:
Equity securities investments, fair value	1,682	0
Level 2 [Member] | Total Fair Value [Member]
Debt investment securities:
Investment securities - available-for-sale	116,965	106,005
Equity investment securities:
Equity securities investments, fair value	0	534
Net Asset Value [Member] | Total Fair Value [Member]
Debt investment securities:
Investment securities - available-for-sale	2,725	4,923
Recurring Basis [Member] | Total Fair Value [Member]
Debt investment securities:
US Treasury, agencies and GSEs		0
Total available-for-sale securities	119,690	110,928
Equity investment securities:
Equity securities investments, fair value	1,682	534
Interest rate derivatives, at fair value, net :
Interest rate swap derivative fair value hedges	(154)	(92)
Interest rate swap derivative cash flow hedges	(1,414)
Recurring Basis [Member] | Level 1 [Member]
Debt investment securities:
US Treasury, agencies and GSEs	0	0
State and political subdivisions	0	0
Corporate	0	0
Asset backed securities	0	0
Residential mortgage-backed - US agency	0	0
Collateralized mortgage obligations - US agency	0	0
Collateralized mortgage obligations - Private label	0	0
Investment securities - available-for-sale	0	0
Total available-for-sale securities	0	0
Equity investment securities:
Equity securities investments, fair value	1,682	0
Interest rate derivatives, at fair value, net :
Interest rate swap derivative fair value hedges	0	0
Interest rate swap derivative cash flow hedges	0
Recurring Basis [Member] | Level 2 [Member]
Debt investment securities:
US Treasury, agencies and GSEs	21,507	16,820
State and political subdivisions	16,958	1,736
Corporate	8,864	7,631
Asset backed securities	11,861	13,232
Residential mortgage-backed - US agency	13,277	18,980
Collateralized mortgage obligations - US agency	25,773	30,785
Collateralized mortgage obligations - Private label	18,725	16,821
Investment securities - available-for-sale	116,965	106,005
Total available-for-sale securities	116,965	106,005
Equity investment securities:
Equity securities investments, fair value	0	534
Interest rate derivatives, at fair value, net :
Interest rate swap derivative fair value hedges	(102)	(92)
Interest rate swap derivative cash flow hedges	(1,414)
Recurring Basis [Member] | Level 3 [Member]
Debt investment securities:
US Treasury, agencies and GSEs	0	0
State and political subdivisions	0	0
Corporate	0	0
Asset backed securities	0	0
Residential mortgage-backed - US agency	0	0
Collateralized mortgage obligations - US agency	0	0
Collateralized mortgage obligations - Private label	0	0
Investment securities - available-for-sale	0	0
Total available-for-sale securities	0	0
Equity investment securities:
Equity securities investments, fair value	0	0
Interest rate derivatives, at fair value, net :
Interest rate swap derivative fair value hedges	0	0
Interest rate swap derivative cash flow hedges	0
Recurring Basis [Member] | Level 1, 2 and 3 [Member] | Total Fair Value [Member]
Debt investment securities:
US Treasury, agencies and GSEs	21,507	16,820
State and political subdivisions	16,958	1,736
Corporate	8,864	7,631
Asset backed securities	11,861	13,232
Residential mortgage-backed - US agency	13,277	18,980
Collateralized mortgage obligations - US agency	25,773	30,785
Collateralized mortgage obligations - Private label	18,725	16,821
Investment securities - available-for-sale	116,965	106,005
Recurring Basis [Member] | Net Asset Value [Member] | Total Fair Value [Member]
Debt investment securities:
US Treasury, agencies and GSEs		0
Investment securities - available-for-sale	$ 2,725	$ 4,923

Fair Value Measurements - Summa

Fair Value Measurements - Summary of Fair Value Assets Measured on Nonrecurring Basis (Details) - Nonrecurring Basis [Member] - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Total Fair Value [Member]
Nonrecurring basis [Abstract]
Impaired loans	$ 2,302	$ 3,105
Level 1 [Member]
Nonrecurring basis [Abstract]
Impaired loans	0	0
Level 2 [Member]
Nonrecurring basis [Abstract]
Impaired loans	0	0
Level 3 [Member]
Nonrecurring basis [Abstract]
Impaired loans	$ 2,302	$ 3,105

Fair Value Measurements - Fai_2

Fair Value Measurements - Fair Value Inputs, Quantitative Information (Details) - Level 3 [Member] - Impaired Loans [Member] - Measurement Input, Discount Rate [Member]	Sep. 30, 2020	Dec. 31, 2019
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	5
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	7
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	25	20
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	13	13
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	10	9
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	11	11

Fair Value Measurements - Carry

Fair Value Measurements - Carrying Amounts and Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financial assets:
Investment securities - available-for-sale	$ 119,896	$ 111,134
Investment securities - marketable equity	206	206
Investment securities - held-to-maturity	167,832	124,148
Level 1 [Member] | Carrying Amounts [Member]
Financial assets:
Cash and cash equivalents	38,981	20,160
Investment securities - marketable equity	1,682	0
Accrued interest receivable	4,906	3,712
Financial liabilities:
Demand Deposits, Savings, NOW and MMDA	590,739	460,293
Accrued interest payable	188	396
Level 1 [Member] | Estimated Fair Values [Member]
Financial assets:
Cash and cash equivalents	38,981	20,160
Investment securities - marketable equity	1,682	0
Accrued interest receivable	4,906	3,712
Financial liabilities:
Demand Deposits, Savings, NOW and MMDA	590,739	460,293
Accrued interest payable	188	396
Level 2 [Member] | Carrying Amounts [Member]
Financial assets:
Investment securities - available-for-sale	116,965	106,005
Investment securities - marketable equity	0	534
Investment securities - held-to-maturity	164,460	122,988
Federal Home Loan Bank stock	4,308	4,834
Financial liabilities:
Time Deposits	407,494	421,600
Borrowings	80,226	93,125
Subordinated loans	15,154	15,128
Interest rate swap derivative fair value hedges	102	92
Interest rate swap derivative cash flow hedges	1,414	0
Level 2 [Member] | Estimated Fair Values [Member]
Financial assets:
Investment securities - available-for-sale	116,965	106,005
Investment securities - marketable equity	0	534
Investment securities - held-to-maturity	167,832	124,148
Federal Home Loan Bank stock	4,308	4,834
Financial liabilities:
Time Deposits	411,771	422,409
Borrowings	82,567	93,643
Subordinated loans	14,615	14,921
Interest rate swap derivative fair value hedges	102	92
Interest rate swap derivative cash flow hedges	1,414	0
Net Asset Value [Member] | Carrying Amounts [Member]
Financial assets:
Investment securities - available-for-sale	2,725	4,923
Net Asset Value [Member] | Estimated Fair Values [Member]
Financial assets:
Investment securities - available-for-sale	2,725	4,923
Level 3 [Member] | Carrying Amounts [Member]
Financial assets:
Net loans	808,206	772,782
Level 3 [Member] | Estimated Fair Values [Member]
Financial assets:
Net loans	$ 815,878	$ 767,654

Interest Rate Derivatives - Add

Interest Rate Derivatives - Additional Information (Details)	1 Months Ended	3 Months Ended	9 Months Ended
	Feb. 29, 2020USD ($)	Sep. 30, 2020USD ($)Contract	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)	Apr. 30, 2019USD ($)
Derivative [Line Items]
Loan interest income recognized in earnings		$ 114,000	$ (1,413,000)
Amount of designated hedging item		0	0
Swap Contract [Member]
Derivative [Line Items]
Notional amount		$ 12,000,000	12,000,000
Number of swap contracts | Contract		4
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount		$ 40,000,000	$ 40,000,000
Interest rate cap contract commencement date			May 15, 2020
Interest rate cap contract expiry date			May 15, 2023
Derivative effect on recorded interest expense		0	$ 0
Cash in escrow under collateral arrangements		$ 1,600,000	$ 1,600,000
Interest Rate Swap [Member] | 3-Month LIBOR [Member]
Derivative [Line Items]
Interest rate cap contract strike price		1.39%	1.39%
Interest Rate Swap [Member] | Designated as Hedging Instrument [Member] | Fair Value Hedges [Member]
Derivative [Line Items]
Notional amount					$ 9,200,000
Interest Rate Swap [Member] | Designated as Hedging Instrument [Member] | Fair Value Hedges [Member] | 3-Month LIBOR [Member]
Derivative [Line Items]
Fixed interest rate					2.39%
Interest Rate Derivatives [Member]
Derivative [Line Items]
Loan interest income recognized in earnings		$ 153,000	$ 241,000
Interest Rate Derivatives [Member] | Other Liabilities [Member]
Derivative [Line Items]
Fair value of derivative resulted in net liability position		106,000	106,000	$ 92,000
Interest Rate Cap [Member]
Derivative [Line Items]
Notional amount	$ 40,000,000
Interest rate cap contract commencement date	May 1, 2020
Interest rate cap contract expiry date	May 1, 2023
One time premium paid for contract	$ 228,000
Contractual obligations to counterparty of contract	$ 0
Term of derivative contract	3 years
Basis points relative to notional amount	0.19%
Derivative effect on recorded interest expense		$ 0	$ 0
Interest Rate Cap [Member] | 3-Month LIBOR [Member]
Derivative [Line Items]
Interest rate cap contract strike price	1.85%

Interest Rate Derivatives - Cum

Interest Rate Derivatives - Cumulative Basis Adjustments for Fair Value Hedges (Details) - Interest Rate Derivatives [Member] - Loans Receivable [Member] - USD ($)		Sep. 30, 2020	Dec. 31, 2019
Derivative [Line Items]
Carrying Amount of the Hedged Assets	[1]	$ 14,693,000	$ 19,254,000
Cumulative Amount of Fair Value Hedging Adjustment Included in The Carrying Amount of the Hedged Assets	[1]	$ 102,000	$ 75,000
[1]	These amounts include the amortized cost basis of the hedged portfolio used to designate the hedging relationship in which the hedged item is the remaining amortized cost of the last layer expected to be remaining at the end of the hedging contract term. At September 30, 2020 and December 31, 2019, the amortized cost of the basis of the closed portfolio used in the hedging relationship was $14.7 million and $19.3 million, the cumulative basis adjustment associated with the hedging relationship was $102,000 and $75,000, and the amount of the designated hedged item was $9.2 million and $9.2 million, respectively.

Interest Rate Derivatives - C_2

Interest Rate Derivatives - Cumulative Basis Adjustments for Fair Value Hedges (Parenthetical) (Details) - USD ($)		Sep. 30, 2020	Dec. 31, 2019
Derivative [Line Items]
Amount of designated hedging item		$ 0
Interest Rate Derivatives [Member] | Loans Receivable [Member]
Derivative [Line Items]
Amortized cost of closed portfolio used in hedging relationship		14,700,000	$ 19,300,000
Cumulative basis adjustment associated with hedging relationship	[1]	102,000	75,000
Amount of designated hedging item		$ 9,200,000	$ 9,200,000
[1]	These amounts include the amortized cost basis of the hedged portfolio used to designate the hedging relationship in which the hedged item is the remaining amortized cost of the last layer expected to be remaining at the end of the hedging contract term. At September 30, 2020 and December 31, 2019, the amortized cost of the basis of the closed portfolio used in the hedging relationship was $14.7 million and $19.3 million, the cumulative basis adjustment associated with the hedging relationship was $102,000 and $75,000, and the amount of the designated hedged item was $9.2 million and $9.2 million, respectively.

Interest Rate Derivatives - Sch

Interest Rate Derivatives - Schedule of Cash Flow Hedges (Details) - Cash Flow Hedging [Member] $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)
Derivative [Line Items]
Total unamortized premium	$ 216
Total loss in comprehensive income	(1,413)
Total unamortized cap	13
Interest Rate Cap [Member]
Derivative [Line Items]
Total loss in comprehensive income	(203)
Interest Rate Swap [Member]
Derivative [Line Items]
Total loss in comprehensive income	$ (1,210)

Interest Rate Derivatives - S_2

Interest Rate Derivatives - Schedule of Derivative Instruments Effect on Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2020
Derivative Instruments And Hedging Activities Disclosure [Abstract]
Amount of gains (losses) recognized in other comprehensive income	$ 114	$ (1,413)
Gains (losses) in other comprehensive income:	$ 114	$ (1,413)

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	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance	$ 92,607	$ 87,844	$ 90,669	$ 64,459
Other comprehensive income before reclassifications	919	287	327	3,261
Amounts reclassified from AOCI	24	(29)	(594)	15
Balance	94,748	89,191	94,748	89,191
Reevaluation of deferred tax asset valuation allowance (1)			(206)
Retirement Plans [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance	(2,812)	(3,021)	(2,717)	(3,152)
Other comprehensive income before reclassifications	0	0	0	0
Amounts reclassified from AOCI	45	67	138	198
Balance	(2,767)	(2,954)	(2,767)	(2,954)
Reevaluation of deferred tax asset valuation allowance (1)			(188)
Unrealized Gains and Losses on Available-for-Sale Securities [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance	(341)	43	(216)	(2,832)
Other comprehensive income before reclassifications	821	282	1,422	3,244
Amounts reclassified from AOCI	(21)	(96)	(732)	(183)
Balance	459	229	459	229
Reevaluation of deferred tax asset valuation allowance (1)			(15)
Unrealized Losses on Derivatives and Hedging Activities [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance	(1,207)		0
Other comprehensive income before reclassifications	91		(1,116)
Amounts reclassified from AOCI	0		0
Balance	(1,116)		(1,116)
Reevaluation of deferred tax asset valuation allowance (1)			0
Unrealized Loss on Securities Transferred to Held-to-Maturity [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance	(27)	(46)	(38)	(58)
Other comprehensive income before reclassifications	7	5	21	17
Amounts reclassified from AOCI	0	0	0	0
Balance	(20)	(41)	(20)	(41)
Reevaluation of deferred tax asset valuation allowance (1)			(3)
AOCI Attributable to Parent [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Balance	(4,387)	(3,024)	(2,971)	(6,042)
Balance	$ (3,444)	$ (2,766)	(3,444)	$ (2,766)
Reevaluation of deferred tax asset valuation allowance (1)			$ 0

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) - Summary of Amounts Reclassified Out of Each Component of AOCI (Details) - USD ($) $ in Thousands		3 Months Ended			9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019		Sep. 30, 2020	Sep. 30, 2019
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits		$ (3,396)	$ (3,275)		$ (9,615)	$ (10,379)
Provision for income taxes		(372)	(324)		(1,266)	(750)
Net income attributable to Pathfinder Bancorp Inc.		1,474	1,295		5,005	2,416
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 (losses) on sales and redemptions of investment securities		27	121	[1]	926	232	[1]
Provision for income taxes		(6)	(25)	[1]	(194)	(49)	[1]
Net income attributable to Pathfinder Bancorp Inc.		21	96	[1]	732	183	[1]
Net gains (losses) on sales and redemptions ofinvestment securities		27	121	[1]	926	232	[1]
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	[2]	(58)	(84)	[1]	(175)	(252)	[1]
Provision for income taxes		12	17	[1]	37	54	[1]
Net income attributable to Pathfinder Bancorp Inc.		$ (46)	$ (67)	[1]	$ (138)	$ (198)	[1]
[1]	Amounts in parentheses indicates debits in net income.
[2]	These items are included in net periodic pension cost.

Noninterest Income - Summary of

Noninterest Income - Summary of Noninterest Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Disaggregation Of Revenue [Line Items]
Earnings and gain on bank owned life insurance	$ 133	$ 133	$ 355	$ 355
Net gains on sales and redemptions of investment securities	27	121	1,076	232
Gains (losses) on marketable equity securities	118	4	(798)	61
Other miscellaneous income	15	21	65	83
Total noninterest income	1,491	1,286	4,770	3,598
Insufficient Funds Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	195	347	618	827
Deposit Related Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	100	28	272	133
ATM Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	44	24	108	69
Service Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	339	399	998	1,029
Insurance Commissions [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	215	168	734	620
Investment Services Revenue [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	87	58	235	203
ATM Fees Surcharge [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	57	68	167	173
Banking House Rents Collected [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	47	32	189	100
Fee Income [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	406	326	1,325	1,096
Debit Card Interchange Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	209	166	577	497
Merchant Card Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	20	21	51	58
Card Income [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	229	187	628	555
Loan Servicing Fees [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	90	57	218	144
Net Gain on Sale of Loans and Foreclosed Real Estate [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	134	38	903	43
Total Mortgage Fee Income and Realized Gain on Sale of Loans and Foreclosed Real Estate [Member]
Disaggregation Of Revenue [Line Items]
Noninterest income	224	95	1,121	187
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	$ 1,198	$ 1,007	$ 4,072	$ 2,867

Leases - Additional Information

Leases - Additional Information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
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, option to extend lease term			true
ASU 2016-02 [Member]
Lessee Lease Description [Line Items]
Lease rental income	$ 47,000	$ 32,000	$ 189,000	$ 100,000
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	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Leases [Abstract]
Operating lease cost	$ 61	$ 61	$ 182	$ 180
Finance lease cost	$ 20	$ 20	$ 60	$ 32

Leases - Supplemental Cash Flow

Leases - Supplemental Cash Flow Information Related to Leases (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Cash paid for amount included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 56	$ 55	$ 167	$ 159
Operating cash flows from finance leases	20	20	60	32
Financing cash flows from finance leases	$ 18	$ 17	$ 53	$ 28

Leases - Supplemental Balance S

Leases - Supplemental Balance Sheet Information Related to Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Operating Leases:
Operating lease right-of-use assets	$ 2,275	$ 2,386
Operating lease liabilities	2,554	2,650
Finance Leases:
Financial Liability	$ 585	$ 578
Weighted Average Remaining Lease Term:
Operating Leases	19 years 2 months 15 days	19 years 6 months 29 days
Finance Leases	28 years 8 months 1 day	29 years 5 months 1 day
Weighted Average Discount Rate:
Operating Leases	3.72%	3.71%
Finance Leases	13.75%	13.75%

Leases - Maturities of Lease Li

Leases - Maturities of Lease Liabilities (Details) $ in Thousands	Sep. 30, 2020USD ($)
Operating Lease Liabilities Payments Due Rolling Maturity [Abstract]
2021	$ 104
2022	97
2023	107
2024	116
2025	123
Thereafter	2,592
Total minimum lease payments	$ 3,139

COVID-19 - Additional Informati

COVID-19 - Additional Information (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)LoanCredit	Mar. 15, 2020	Mar. 03, 2020	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)
Unusual Or Infrequent Item [Line Items]
Total loans	$ 822,036			$ 781,341	$ 725,840
Loans	808,206			$ 772,782
Paycheck Protection Program [Member]
Unusual Or Infrequent Item [Line Items]
Total loans	$ 75,278
COVID-19 [Member] | Ninety Days Deferral [Member]
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding | Loan	548
Total loans	$ 145,600
COVID-19 [Member] | One Eighty Days And Beyond Deferral
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding | Loan	4
Total loans	$ 8,700
COVID-19 [Member] | Deferral
Unusual Or Infrequent Item [Line Items]
Total loans	$ 25,900
Percentage of total outstanding loans	3.20%
COVID-19 [Member] | Residential Mortgage or Consumer Loans [Member]
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding | Loan	38
Total loans	$ 2,600
COVID-19 [Member] | Residential Mortgage or Consumer Loans [Member] | Ninety Days Deferral [Member]
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding | Loan	250
Total loans	$ 21,200
COVID-19 [Member] | Residential Mortgage or Consumer Loans [Member] | Deferral
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding | Loan	38
Total loans	$ 2,600
COVID-19 [Member] | Residential and Consumer Loans [Member] | Non-Deferral
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding | Loan	212
Total loans	$ 18,600
COVID-19 [Member] | Commercial Real Estate Or Other Commercial And Industrial Loans
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding | Loan	48
Total loans	$ 23,300
COVID-19 [Member] | Commercial Real Estate Or Other Commercial And Industrial Loans | Ninety Days Deferral [Member]
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding | Loan	298
Total loans	$ 124,500
COVID-19 [Member] | Commercial Real Estate Or Commercial And Industrial Loans | Non-Deferral
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding | Loan	250
Total loans	$ 101,200
COVID-19 [Member] | Commercial Real Estate Or Commercial And Industrial Loans | Deferral
Unusual Or Infrequent Item [Line Items]
Number of loans outstanding | Loan	48
Total loans	$ 23,300
Total Related Credits [Member]
Unusual Or Infrequent Item [Line Items]
Basis point reduction in target federal funds rate		1.00%	0.50%
Number of related credit relationships | Credit	30
Number of individual loans | Loan	276
Loans	$ 244,700
Total Related Credits [Member] | Individual Loans [Member]
Unusual Or Infrequent Item [Line Items]
Total loans	5,000
Total Related Credits [Member] | Real Estate [Member]
Unusual Or Infrequent Item [Line Items]
Loans	220,700
Total Related Credits [Member] | Unsecured Loans [Member]
Unusual Or Infrequent Item [Line Items]
Loans	10,900
Total Related Credits [Member] | Paycheck Protection Program [Member]
Unusual Or Infrequent Item [Line Items]
Loans	$ 13,100
Total Related Credits [Member] | Minimum [Member]
Unusual Or Infrequent Item [Line Items]
Percentage of decrease in federal funds rate target	0.00%
Total loans	$ 5,000
Total Related Credits [Member] | Maximum [Member]
Unusual Or Infrequent Item [Line Items]
Percentage of decrease in federal funds rate target	0.25%
Total loans	$ 14,500

COVID-19 - Summary of Loan Port

COVID-19 - Summary of Loan Portfolio by Collateral Type Within Major Categories (Details) $ in Thousands	Sep. 30, 2020USD ($)Loan	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 822,036	$ 781,341	$ 725,840
Allowance for Loan Losses	12,103	8,669
Net deferred loan fees	1,727	(110)
Unallocated [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	687
Residential Mortgage Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	223,166	249,312
Commercial Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	495,367	403,033
Commercial Loans [Member] | Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	282,856	254,257	235,364
Commercial Loans [Member] | Lines of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	52,411	58,617	$ 58,408
Consumer Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 103,503	$ 128,996
Collateral [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of loans outstanding | Loan	14,411
Average Loan Balance	$ 57
Allowance for Loan Losses	$ 12,103
Percent of Total Loans	100.00%
Net deferred loan fees	$ (1,727)
Total Loans	820,309
Collateral [Member] | Unallocated [Member]
Accounts Notes And Loans Receivable [Line Items]
Allowance for Loan Losses	716
Collateral [Member] | Residential Mortgage Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 223,166
Number of loans outstanding | Loan	2,119
Average Loan Balance	$ 105
Allowance for Loan Losses	$ 791
Percent of Total Loans	27.00%
Collateral [Member] | Residential Mortgage Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 1
Collateral [Member] | Residential Mortgage Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,556
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 282,856
Number of loans outstanding | Loan	508
Average Loan Balance	$ 557
Allowance for Loan Losses	$ 4,816
Percent of Total Loans	34.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Mixed Use [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 46,358
Number of loans outstanding | Loan	52
Average Loan Balance	$ 892
Allowance for Loan Losses	$ 789
Percent of Total Loans	6.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Multi-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 48,740
Number of loans outstanding | Loan	58
Average Loan Balance	$ 840
Allowance for Loan Losses	$ 830
Percent of Total Loans	6.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Hotels and Motels [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 32,088
Number of loans outstanding | Loan	9
Average Loan Balance	$ 3,565
Allowance for Loan Losses	$ 546
Percent of Total Loans	4.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Office [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 32,564
Number of loans outstanding | Loan	61
Average Loan Balance	$ 534
Allowance for Loan Losses	$ 555
Percent of Total Loans	4.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Retail [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 22,139
Number of loans outstanding | Loan	47
Average Loan Balance	$ 471
Allowance for Loan Losses	$ 377
Percent of Total Loans	3.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | 1-4 Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 18,667
Number of loans outstanding | Loan	149
Average Loan Balance	$ 125
Allowance for Loan Losses	$ 318
Percent of Total Loans	2.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Automobile Dealership [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 16,600
Number of loans outstanding | Loan	10
Average Loan Balance	$ 1,660
Allowance for Loan Losses	$ 283
Percent of Total Loans	2.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Recreation/Golf Course/Marina [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 10,769
Number of loans outstanding | Loan	14
Average Loan Balance	$ 769
Allowance for Loan Losses	$ 183
Percent of Total Loans	1.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Warehouse [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 12,094
Number of loans outstanding | Loan	16
Average Loan Balance	$ 756
Allowance for Loan Losses	$ 206
Percent of Total Loans	1.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Manufacturing/Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 6,573
Number of loans outstanding | Loan	15
Average Loan Balance	$ 438
Allowance for Loan Losses	$ 112
Percent of Total Loans	1.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Restaurant [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 6,211
Number of loans outstanding | Loan	23
Average Loan Balance	$ 270
Allowance for Loan Losses	$ 106
Percent of Total Loans	1.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Automobile Repair [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 4,806
Number of loans outstanding | Loan	10
Average Loan Balance	$ 481
Allowance for Loan Losses	$ 82
Percent of Total Loans	1.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Not-For-Profit & Community Service Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 3,354
Number of loans outstanding | Loan	3
Average Loan Balance	$ 1,118
Allowance for Loan Losses	$ 57
Percent of Total Loans	0.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Skilled Nursing Facility [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 10,531
Number of loans outstanding | Loan	2
Average Loan Balance	$ 5,266
Allowance for Loan Losses	$ 179
Percent of Total Loans	1.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | All Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 7,950
Number of loans outstanding | Loan	34
Average Loan Balance	$ 234
Allowance for Loan Losses	$ 135
Percent of Total Loans	1.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Land [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 3,412
Number of loans outstanding | Loan	5
Average Loan Balance	$ 682
Allowance for Loan Losses	$ 58
Percent of Total Loans	0.00%
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Mixed Use [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 52
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Multi-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	26
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Hotels and Motels [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	346
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Office [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	10
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Retail [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	35
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | 1-4 Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	7
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Automobile Dealership [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	171
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Recreation/Golf Course/Marina [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	29
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Warehouse [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	5
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Manufacturing/Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Restaurant [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	47
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Automobile Repair [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	60
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Not-For-Profit & Community Service Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	108
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Skilled Nursing Facility [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,720
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | All Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	14
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Minimum [Member] | Land [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	73
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Mixed Use [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	7,433
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Multi-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	6,275
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Hotels and Motels [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	11,500
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Office [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,877
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Retail [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	5,187
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | 1-4 Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,250
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Automobile Dealership [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	6,841
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Recreation/Golf Course/Marina [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,150
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Warehouse [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,760
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Manufacturing/Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,428
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Restaurant [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,291
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Automobile Repair [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,340
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Not-For-Profit & Community Service Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,659
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Skilled Nursing Facility [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	6,811
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | All Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,488
Collateral [Member] | Commercial Loans [Member] | Real Estate [Member] | Maximum [Member] | Land [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,000
Collateral [Member] | Commercial and Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 130,235
Number of loans outstanding | Loan	914
Average Loan Balance	$ 142
Allowance for Loan Losses	$ 3,943
Percent of Total Loans	16.00%
Collateral [Member] | Commercial and Industrial [Member] | Secured Term Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 60,670
Number of loans outstanding | Loan	361
Average Loan Balance	$ 168
Allowance for Loan Losses	$ 1,837
Percent of Total Loans	8.00%
Collateral [Member] | Commercial and Industrial [Member] | Secured Term Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 0
Collateral [Member] | Commercial and Industrial [Member] | Secured Term Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,735
Collateral [Member] | Commercial and Industrial [Member] | Unsecured Term Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 17,154
Number of loans outstanding | Loan	130
Average Loan Balance	$ 132
Allowance for Loan Losses	$ 519
Percent of Total Loans	2.00%
Collateral [Member] | Commercial and Industrial [Member] | Unsecured Term Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 0
Collateral [Member] | Commercial and Industrial [Member] | Unsecured Term Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,362
Collateral [Member] | Commercial and Industrial [Member] | Lines of Credit [Member] | Secured Loan [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 41,386
Number of loans outstanding | Loan	282
Average Loan Balance	$ 147
Allowance for Loan Losses	$ 1,253
Percent of Total Loans	5.00%
Collateral [Member] | Commercial and Industrial [Member] | Lines of Credit [Member] | Secured Loan [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 0
Collateral [Member] | Commercial and Industrial [Member] | Lines of Credit [Member] | Secured Loan [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	5,000
Collateral [Member] | Commercial and Industrial [Member] | Lines of Credit [Member] | Unsecured Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 11,025
Number of loans outstanding | Loan	141
Average Loan Balance	$ 78
Allowance for Loan Losses	$ 334
Percent of Total Loans	1.00%
Collateral [Member] | Commercial and Industrial [Member] | Lines of Credit [Member] | Unsecured Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 0
Collateral [Member] | Commercial and Industrial [Member] | Lines of Credit [Member] | Unsecured Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,543
Collateral [Member] | Tax Exempt Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 6,998
Number of loans outstanding | Loan	22
Average Loan Balance	$ 318
Allowance for Loan Losses	$ 1
Percent of Total Loans	1.00%
Collateral [Member] | Tax Exempt Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 9
Collateral [Member] | Tax Exempt Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,248
Collateral [Member] | Paycheck Protection Program loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 75,278
Number of loans outstanding | Loan	697
Average Loan Balance	$ 108
Percent of Total Loans	9.00%
Collateral [Member] | Paycheck Protection Program loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 1
Collateral [Member] | Paycheck Protection Program loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,001
Collateral [Member] | Consumer Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 103,503
Number of loans outstanding | Loan	10,151
Average Loan Balance	$ 10
Allowance for Loan Losses	$ 1,836
Percent of Total Loans	13.00%
Collateral [Member] | Consumer Loans [Member] | Secured Loan [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 4,063
Number of loans outstanding | Loan	80
Average Loan Balance	$ 51
Allowance for Loan Losses	$ 71
Percent of Total Loans	0.00%
Collateral [Member] | Consumer Loans [Member] | Secured Loan [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 22
Collateral [Member] | Consumer Loans [Member] | Secured Loan [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	143
Collateral [Member] | Consumer Loans [Member] | Unsecured Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 27,612
Number of loans outstanding | Loan	6,060
Average Loan Balance	$ 5
Allowance for Loan Losses	$ 482
Percent of Total Loans	4.00%
Collateral [Member] | Consumer Loans [Member] | Unsecured Loans [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 1
Collateral [Member] | Consumer Loans [Member] | Unsecured Loans [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	113
Collateral [Member] | Consumer Loans [Member] | Home Equity Lines of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 40,505
Number of loans outstanding | Loan	1,055
Average Loan Balance	$ 38
Allowance for Loan Losses	$ 735
Percent of Total Loans	5.00%
Collateral [Member] | Consumer Loans [Member] | Home Equity Lines of Credit [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 0
Collateral [Member] | Consumer Loans [Member] | Home Equity Lines of Credit [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	288
Collateral [Member] | Consumer Loans [Member] | Automobile Loans [MEmber]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 28,766
Number of loans outstanding | Loan	1,877
Average Loan Balance	$ 15
Allowance for Loan Losses	$ 503
Percent of Total Loans	4.00%
Collateral [Member] | Consumer Loans [Member] | Automobile Loans [MEmber] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 1
Collateral [Member] | Consumer Loans [Member] | Automobile Loans [MEmber] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	364
Collateral [Member] | Consumer Loans [Member] | All Others [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 2,557
Number of loans outstanding | Loan	1,079
Average Loan Balance	$ 2
Allowance for Loan Losses	$ 45
Percent of Total Loans	0.00%
Collateral [Member] | Consumer Loans [Member] | All Others [Member] | Minimum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 0
Collateral [Member] | Consumer Loans [Member] | All Others [Member] | Maximum [Member]
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 339

Subsequent events - Additional

Subsequent events - Additional information (Details) - Private Placement [Member] - Subsequent Event [Member] $ in Millions	Oct. 14, 2020USD ($)
Subsequent Event [Line Items]
Proceeds from issuance of subordinate notes	$ 25
Subordinated borrowing, interest rate	5.50%
Subordinated note, maturity date	Oct. 15, 2030
Interest rate on subordinate notes after 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.
Deferred placement expenses interest rate per year	6.13%
Subordinated notes basis points	532 basis points