FSB Bancorp 10-Q13 Nov 192019 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2019	Nov. 12, 2019
Document and Entity Information [Abstract]
Entity Registrant Name	FSB Bancorp, Inc.
Entity Central Index Key	0001667939
Trading Symbol	FSBC
Entity Current Reporting Status	Yes
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Common Stock, Shares Outstanding		1,940,661
Document Type	10-Q
Document Period End Date	Sep. 30, 2019
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q3
Entity Shell Company	false
Entity Small Business	true
Entity Emerging Growth Company	true
Entity Ex Transition Period	true

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS:
Cash and due from banks	$ 1,485	$ 1,581
Interest earning demand deposits	3,731	4,710
Total cash and cash equivalents	5,216	6,291
Fair Value	18,000	18,331
Held-to-maturity securities, at amortized cost (fair value of $6,137 and $6,030, respectively)	6,011	6,052
Investment in restricted stock, at cost	2,961	3,637
Loans held for sale	3,690	2,133
Loans	278,447	283,302
Less: Allowance for loan losses	(1,736)	(1,561)
Loans receivable, net	276,711	281,741
Bank owned life insurance	3,864	3,819
Accrued interest receivable	912	876
Premises and equipment, net	2,506	2,731
Operating lease right-of-use assets	2,199
Other assets	2,740	2,658
Total assets	324,810	328,269
Deposits:
Non-interest bearing	11,401	10,947
Interest bearing	221,482	211,668
Total deposits	232,883	222,615
Short-term borrowings	2,000	13,750
Long-term borrowings	54,262	58,076
Official bank checks	268	863
Operating lease liabilities	2,401
Other liabilities	1,079	1,452
Total liabilities	292,893	296,756
Stockholders' equity:
Preferred stock - par value $0.01; 25,000,000 shares authorized, no shares issued and outstanding
Common stock, par value $0.01; 50,000,000 authorized shares; 1,940,661 shares issued and outstanding	19	19
Paid-in capital	15,998	15,746
Retained earnings	16,175	16,212
Accumulated other comprehensive loss	(20)	(183)
Unearned ESOP shares, at cost	(255)	(281)
Total stockholders' equity	31,917	31,513
Total liabilities and stockholders' equity	$ 324,810	$ 328,269

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Consolidated Balance Sheets
Fair value securities held to maturity (in dollars)	$ 6,137	$ 6,030
Preferred stock - par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized	25,000,000	25,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock - par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	1,940,661	1,940,661
Common stock, shares outstanding	1,940,661	1,940,661

Consolidated Statements of Inco

Consolidated Statements of Income (Loss) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Interest and dividend income:
Loans, including fees	$ 3,079	$ 3,023	$ 9,252	$ 8,736
Taxable securities	118	105	366	296
Tax-exempt securities	27	26	79	78
Mortgage-backed securities	26	28	82	103
Other	34	14	84	35
Total interest and dividend income	3,284	3,196	9,863	9,248
Interest expense:
Interest on deposits	924	689	2,568	1,855
Interest on short-term borrowings	8	43	125	127
Interest on long-term borrowings	336	328	1,010	841
Total interest expense	1,268	1,060	3,703	2,823
Net interest income	2,016	2,136	6,160	6,425
Provision for loan losses	75	75	175	225
Net interest income after provision for loan losses	1,941	2,061	5,985	6,200
Other income:
Increase in cash surrender value of bank owned life insurance	15	16	45	46
Realized gain on sale of loans	278	461	620	1,098
Mortgage fee income	173	218	443	588
Other	46	47	126	151
Total other income	554	816	1,352	2,099
Other expense:
Salaries and employee benefits	1,594	1,711	4,559	4,903
Occupancy	252	268	797	822
Data processing costs	124	119	336	323
Advertising	21	24	63	116
Equipment	132	129	397	412
Electronic banking	28	26	81	84
Directors' fees	42	46	145	151
Mortgage fees and taxes	75	229	175	344
FDIC premium (credit) expense	(2)	31	64	81
Audits and tax services	19	70	110	165
Professional services	45	64	144	164
Other	158	219	506	618
Total other expenses	2,488	2,936	7,377	8,183
Income (loss) before income taxes	7	(59)	(40)	116
Provision (benefit) for income taxes	5	(9)	(3)	24
Net income (loss)	$ 2	$ (50)	$ (37)	$ 92
Earnings (loss) per common share - basic and diluted (in dollars per share)	$ 0	$ (0.03)	$ (0.02)	$ 0.05
Service fees
Other income:
Other income including Service fees and Fee income	$ 38	$ 38	$ 104	$ 107
Fee income
Other income:
Other income including Service fees and Fee income	$ 4	$ 36	$ 14	$ 109

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consolidated Statements of Comprehensive Income (Loss)
Net Income (Loss)	$ 2	$ (50)	$ (37)	$ 92
Other Comprehensive Income (Loss)
Unrealized holding gains (losses) arising during the period	26	(25)	206	(148)
Net unrealized gain (loss) on available for sale securities	26	(25)	206	(148)
Other comprehensive income (loss), before tax	26	(25)	206	(148)
Tax expense (benefit)	5	(5)	43	(31)
Other comprehensive income (loss), net of tax	21	(20)	163	(117)
Comprehensive income (loss)	23	(70)	126	(25)
Tax Expense (Benefit) Allocated to Each Component of Other Comprehensive Income (Loss)
Unrealized holding gains (losses) arising during the period	5	(5)	43	(31)
Income tax expense (benefit) related to other comprehensive income (loss)	$ 5	$ (5)	$ 43	$ (31)

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Common Stock	Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Unearned ESOP	Total
Balance at Dec. 31, 2017	$ 19	$ 15,441	$ 16,077	$ (165)	$ (316)	$ 31,056
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income (Loss)			92			92
Other comprehensive income (loss), net of tax				(117)		(117)
ESOP shares committed to be released		30			26	56
Stock based compensation		231				231
Balance at Sep. 30, 2018	19	15,702	16,169	(282)	(290)	31,318
Balance at Jun. 30, 2018	19	15,615	16,219	(262)	(298)	31,293
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income (Loss)			(50)			(50)
Other comprehensive income (loss), net of tax				(20)		(20)
ESOP shares committed to be released		8			8	16
Stock based compensation		79				79
Balance at Sep. 30, 2018	19	15,702	16,169	(282)	(290)	31,318
Balance at Dec. 31, 2018	19	15,746	16,212	(183)	(281)	31,513
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income (Loss)			(37)			(37)
Other comprehensive income (loss), net of tax				163		163
ESOP shares committed to be released		24			26	50
Stock based compensation		228				228
Balance at Sep. 30, 2019	19	15,998	16,175	(20)	(255)	31,917
Balance at Jun. 30, 2019	19	15,914	16,173	(41)	(264)	31,801
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income (Loss)			2			2
Other comprehensive income (loss), net of tax				21		21
ESOP shares committed to be released		8			9	17
Stock based compensation		76				76
Balance at Sep. 30, 2019	$ 19	$ 15,998	$ 16,175	$ (20)	$ (255)	$ 31,917

Consolidated Statements of Cash

Consolidated Statements of Cash Flow - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
OPERATING ACTIVITIES
Net Income (Loss)	$ (37)	$ 92
Adjustments to reconcile net income (loss) to net cash flows from operating activities:
Net amortization of premiums and accretion of discounts on investments	60	68
Gain on sale of loans	(620)	(1,098)
Proceeds from loans sold	27,609	46,229
Loans originated for sale	(28,546)	(47,023)
Amortization of net deferred loan origination costs		20
Depreciation and amortization	321	338
Provision for loan losses	175	225
Expense related to ESOP	50	56
Stock based compensation	228	231
Deferred income tax benefit	(12)	(10)
Earnings on investment in bank owned life insurance	(45)	(46)
Increase in accrued interest receivable	(36)	(112)
Increase in other assets	(82)	(71)
(Decrease) Increase in other liabilities	(203)	154
Net cash flows from operating activities	(1,138)	(947)
INVESTING ACTIVITIES
Purchases of securities available-for-sale	(8,000)	(500)
Proceeds from maturities and calls of securities available-for-sale	6,999
Proceeds from principal paydowns on securities available-for-sale	1,495	1,591
Purchases of securities held-to-maturity		(415)
Proceeds from maturities and calls of securities held-to-maturity		460
Proceeds from principal paydowns on securities held-to-maturity	24	173
Net decrease (increase) in loans	4,855	(16,599)
Purchase of restricted stock	(414)	(1,387)
Redemption of restricted stock	1,090	932
Purchase of premises and equipment	(96)	(127)
Net cash flows from investing activities	5,953	(15,872)
FINANCING ACTIVITIES
Net increase in deposits	10,268	2,693
Proceeds from borrowings	17,646	46,550
Repayments on borrowings	(33,209)	(37,201)
Net (decrease) increase in official bank checks	(595)	345
Net cash flows from financing activities	(5,890)	12,387
Change in cash and cash equivalents	(1,075)	(4,432)
Cash and cash equivalents at beginning of period	6,291	10,397
Cash and cash equivalents at end of period	5,216	5,965
CASH PAID DURING THE PERIOD FOR:
Interest	$ 3,752	2,761
Income taxes		$ 336

Basis of Presentation

Basis of Presentation	9 Months Ended
Basis of Presentation	Sep. 30, 2019
Basis Of Accounting [Abstract]
Basis of Presentation	Note 1: Basis of Presentation The accompanying unaudited consolidated financial statements of FSB Bancorp, Inc. (“FSB Bancorp”), Fairport Savings Bank (the “Bank”), and its other wholly-owned subsidiary, Fairport Wealth Management (collectively, the “Company”), 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. The results are not necessarily indicative of the results that may be expected for the year ending December 31, 2019 or for any future 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 consolidated financial statements; accordingly, as this information changes, the consolidated financial statements could reflect different estimates, assumptions, and judgments. Certain 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 consolidated 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 other third-party sources, when available. When third party information is not available, valuation adjustments are estimated in good faith by management.

New Accounting Pronouncements

New Accounting Pronouncements	9 Months Ended
New Accounting Pronouncements	Sep. 30, 2019
Accounting Policies [Abstract]
New Accounting Pronouncements	Note 2: New Accounting Pronouncements In February 2016, the FASB issued ASU 2016‑02, Leases (Topic 842). This new guidance supersedes the lease requirements in Topic 840, Leases and is based on the principle that a lessee should recognize in the balance sheet a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term. The accounting applied by a lessor is largely unchanged from that applied under the previous guidance. In addition, the guidance requires an entity to separate the lease components from the nonlease components in a contract. The ASU requires disclosures about the amount, timing, and judgments related to a reporting entity’s accounting for leases and related cash flows. The standard is required to be applied to all leases in existence as of the date of adoption using a modified retrospective transition approach. This guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company adopted this ASU on January 1, 2019 and has recognized lease liabilities and right-of-use assets associated with these lease agreements. The new guidance requires lessees to record a right-of-use asset and a lease liability for all leases with a term greater than 12 months. While the guidance requires all leases to be recognized in the balance sheet, there continues to be a differentiation between finance leases and operating leases for purposes of income statement recognition and cash flow statement presentation. For finance leases, interest on the lease liability and amortization of the right-of-use asset will be recognized separately in the consolidated statement of income. Repayments of principal on those lease liabilities will be classified within financing activities and payments of interest on the lease liability will be classified within operating activities in the statement of cash flows. For operating leases, a single lease cost is recognized in the consolidated statement of income and allocated over the lease term, generally on a straight-line basis. All cash payments are presented within operating activities in the statement of cash flows. The accounting applied by lessors is largely unchanged from existing GAAP, however, the guidance eliminates the accounting model for leveraged leases for leases that commence after the effective date of the guidance. In June 2016, the FASB issued ASU No. 2016‑13, Financial Instruments – Credit Losses (Topic 326). This new guidance significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. This ASU will replace the "incurred loss" model under existing guidance with an "expected loss" model for instruments measured at amortized cost, and require entities to record allowances for available-for-sale debt securities rather than reduce the carrying amount, as they do today under the other-than-temporary impairment model. This ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans. This guidance requires adoption through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted. This ASU was originally effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption was permitted for all companies as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. In July 2019, the FASB decided to add a project to its technical agenda to propose staggered effective dates for certain accounting standards, including ASU 2016-13. The FASB has proposed an approach that ASU 2016-13 will still be effective for Public Business Entities that are SEC filers, excluding smaller reporting companies such as the Company, for fiscal years beginning after December 15, 2019 and interim periods within those fiscal years. For all other entities, including smaller reporting companies like the Company, ASU 2016-13 will now be effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. For all entities, early adoption will continue to be permitted; that is, early adoption is allowed for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years (that is, effective January 1, 2019, for calendar-year-end companies). The FASB is currently in the process of drafting a proposed ASU for this project to be voted upon by FASB members after a 30 day comment period. The Company is currently a smaller reporting company, and if this proposal is approved and becomes effective, the Company’s expected adoption date for ASU 2016-13 would change from calendar year 2020 to calendar year 2023, including interim periods within those years. The Company is currently evaluating the impact the guidance will have on the Company’s consolidated financial statements, and expects an increase in the allowance for credit losses resulting from the change to expected losses for the estimated life of the financial asset, including an allowance for debt securities. The amount of the increase in the allowance for credit losses resulting from the new guidance will be impacted by the portfolio composition and asset quality at the adoption date, as well as economic conditions and forecasts at the time of adoption. The Company is currently running a second model concurrently in 2019 and does not anticipate a material impact to the consolidated financial statements. In March 2017, the FASB issued an Update (ASU 2017‑08) to its guidance on “Receivables – Nonrefundable Fees and Other Costs (Subtopic 310‑20) related to premium amortization on purchased callable debt securities. The amendments in this update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. For public companies, the amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. An entity should apply the amendments in this update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosure about a change in accounting principle. The adoption of this guidance did not have a material impact on our consolidated results of operations or financial position. In August 2018, the FASB has issued Accounting Standards Update (ASU) No. 2018‑15, Intangibles—Goodwill and Other—Internal Use Software (Subtopic 350‑40) : Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract, a consensus of the FASB Emerging Issues Task Force, which amends the FASB ASC to provide guidance on accounting for costs of implementation activities performed in a cloud computing arrangement that is a service contract. In April 2015, the FASB issued ASU No. 2015‑05, Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350‑40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement, which provided guidance to customers concerning whether a cloud computing arrangement (e.g., software, platform, or infrastructure offered as a service) includes a software license. Pursuant to that guidance, (1) if a cloud computing arrangement includes a software license, the software license element of the arrangement should be accounted for in a manner consistent with the acquisition of other software licenses, or (2) if the arrangement does not include a software license, then the arrangement should be accounted for as a service contract, with the fees associated with the hosting element (service) of the arrangement expensed as they are incurred. Following the issuance of ASU No. 2015‑05, constituents requested that the FASB provide additional guidance on the accounting for costs of implementation activities performed in a cloud computing arrangement that is a service contract. Accordingly, because U.S. GAAP do not contain explicit guidance on accounting for such costs, and to address the resulting diversity in practice, the FASB has issued ASU No. 2018‑15 to align the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software (and hosting arrangements that include an internal-use software license). Note that the guidance on accounting for the service element of a hosting arrangement that is a service contract is not affected by the amendments in ASU No. 2018‑15. The amended guidance is effective for fiscal years beginning after December 15, 2019, and for interim periods within those fiscal years.

Earnings per Common Share

Earnings per Common Share	9 Months Ended
Earnings per Common Share	Sep. 30, 2019
Earnings Per Share [Abstract]
Earnings per Common Share	Note 3: Earnings per Common Share Basic earnings per common share is calculated by dividing net income available to common stockholders by the weighted-average number of common shares outstanding during the period. Diluted earnings per share is computed in a similar manner to that of basic earnings per share except that the weighted-average number of common shares outstanding is increased to reflect the assumed exercise and conversion of dilutive stock options and unvested restricted stock. In periods of loss, basic earnings per common share and diluted earnings per share are the same due to the fact that the inclusion of any of the dilutive shares will result in an anti-dilutive impact, driven by the loss. Net income available to common stockholders is net income of the Company. 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. The Company did not grant any restricted stock awards or stock options during the nine months ended September 30, 2019. An aggregate of 20,000 stock options and 8,400 shares of restricted stock were granted to senior management during the nine months ended September 30, 2018. The grants to senior management vest over a five year period in equal annual installments, with the first installment vesting on the first anniversary date of the grant and succeeding installments on each anniversary thereafter, through 2023. Vesting will automatically accelerate in the event of a participant’s death, disability, or involuntary termination following a change in control. The following tables set forth the calculation of basic and diluted earnings per share. Three months ended September 30, (In thousands, except per share data) 2019 2018 Basic and Diluted Earnings (Loss) Per Common Share Net income (loss) available to common stockholders $ 2 $ (50) Weighted average basic common shares outstanding 1,861 1,911 Weighted average diluted common shares outstanding 1,873 1,911 Earnings (loss) per common share – basic and diluted $ 0.00 $ (0.03) Nine months ended September 30, (In thousands, except per share data) 2019 2018 Basic and Diluted Earnings (Loss) Per Common Share Net income (loss) available to common stockholders $ (37) $ 92 Weighted average basic common shares outstanding 1,859 1,909 Weighted average diluted common shares outstanding 1,859 1,909 Earnings (loss) per common share – basic and diluted $ (0.02) $ 0.05

Investment Securities

Investment Securities	9 Months Ended
Investment Securities	Sep. 30, 2019
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, 2019 Gross Gross Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio U.S. Government and agency obligations $ 13,610 $ 1 $ (14) $ 13,597 Mortgage-backed securities – residential 4,416 17 (30) 4,403 Total available-for-sale $ 18,026 $ 18 $ (44) $ 18,000 Held-to-Maturity Portfolio Mortgage-backed securities – residential $ 434 $ 7 $ – $ 441 State and municipal securities 5,577 119 – 5,696 Total held-to-maturity $ 6,011 $ 126 $ – $ 6,137 December 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio U.S. Government and agency obligations $ 12,610 $ 7 $ (162) $ 12,455 Mortgage-backed securities – residential 5,953 24 (101) 5,876 Total available-for-sale $ 18,563 $ 31 $ (263) $ 18,331 Held-to-Maturity Portfolio Mortgage-backed securities – residential $ 458 $ 6 $ (1) $ 463 State and municipal securities 5,594 29 (56) 5,567 Total held-to-maturity $ 6,052 $ 35 $ (57) $ 6,030 The amortized cost and estimated fair value of debt investments at September 30, 2019 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 Fair Amortized Fair (In thousands) Cost Value Cost Value Due in one year or less $ – $ – $ 1,563 $ 1,565 Due after one year through five years 10,610 10,597 2,418 2,446 Due after five years through ten years 3,000 3,000 1,596 1,685 Sub-total $ 13,610 $ 13,597 $ 5,577 $ 5,696 Mortgage-backed securities – residential 4,416 4,403 434 441 Totals $ 18,026 $ 18,000 $ 6,011 $ 6,137 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, 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 U.S. Government and agency obligations 1 $ 4 $ 1,000 5 $ 10 $ 6,595 6 $ 14 $ 7,595 Mortgage-backed securities - residential (1) 1 – 139 4 30 3,162 5 30 3,301 Totals 2 $ 4 $ 1,139 9 $ 40 $ 9,757 11 $ 44 $ 10,896 Held-to-Maturity Mortgage-backed securities – residential – $ – $ – – $ – $ – – $ – $ – State and municipal securities (1) 1 – 340 – – – 1 – 340 Totals 1 $ – $ 340 – $ – $ – 1 $ – $ 340 December 31, 2018 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 U.S. Government and agency obligations – $ – $ – 8 $ 162 $ 9,445 8 $ 162 $ 9,445 Mortgage-backed securities - residential (1) 1 – 203 4 101 3,749 5 101 3,952 Totals 1 $ – $ 203 12 $ 263 $ 13,194 13 $ 263 $ 13,397 Held-to-Maturity Mortgage-backed securities – residential – $ – $ – 1 $ 1 $ 165 1 $ 1 $ 165 State and municipal securities 3 4 1,039 15 52 3,021 18 56 4,060 Totals 3 $ 4 $ 1,039 16 $ 53 $ 3,186 19 $ 57 $ 4,225 (1) Aggregate unrealized loss position of these securities is less than $500. The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment (“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 consolidated balance sheet 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. There were 12 securities in an unrealized loss position at September 30, 2019, of which nine have been in loss positions for a period greater than twelve months and three have been in a loss position for a period less than twelve months. This compares to 32 securities in an unrealized loss position at December 31, 2018, of which 28 had been in loss positions for a period greater than twelve months and four had been in loss positions for a period less than twelve months. These issuing entities are currently rated Aaa by Moody’s Investor Services and AA+ by Standard and Poors. Among the nine securities in loss positions for a period greater than twelve months at September 30, 2019, all were either direct issuances of, or mortgage-backed securities or collateralized mortgage obligations issued by, the following entities sponsored and guaranteed by the United States Government: GNMA, FNMA, and FHLMC. The unrealized losses reflected are primarily attributable to changes in interest rates since the securities were acquired. Among the three securities in an unrealized loss position at September 30, 2019 for less than twelve months, two were either direct issuances of, or mortgage-backed securities or collateralized mortgage obligations issued by, the following entities sponsored and guaranteed by the United States Government: FAMCA and FHLMC. The remaining security that has been in a loss position for a period less than twelve months was issued by a local municipality. The unrealized loss reflected is primarily attributable to changes in interest rates since the securities were acquired. 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 recovery of the amortized cost. As such, management does not believe any individual unrealized loss as of September 30, 2019 represents OTTI. There were no realized gains or losses on sales of securities for the three or nine months ended September 30, 2019 and September 30, 2018. As of September 30, 2019 and December 31, 2018, no securities were pledged to secure public deposits or for any other purpose required or permitted by law. Management has reviewed its loan and mortgage-backed securities portfolios and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of investing in, or originating, these types of investments or loans.

Loans

Loans	9 Months Ended
Loans	Sep. 30, 2019
Loans and Leases Receivable Disclosure [Abstract]
Loans	Note 5: Loans Major classifications of loans at the indicated dates are as follows: September 30, December 31, (In thousands) 2019 2018 Real estate loans: Secured by one-to-four family residences $ 215,400 $ 221,602 Secured by multi-family residences 10,973 10,241 Construction 5,706 4,898 Commercial real estate 21,961 22,492 Home equity lines of credit 17,101 16,766 Total real estate loans 271,141 275,999 Commercial and industrial loans 7,296 7,290 Other loans 47 50 Total loans 278,484 283,339 Net deferred loan origination fees (37) (37) Less allowance for loan losses (1,736) (1,561) Loans receivable, net $ 276,711 $ 281,741 The Company originates residential mortgage, commercial, and consumer loans largely to customers throughout Monroe county and the surrounding western New York counties of Erie, Livingston, Ontario, Orleans, Jefferson, Niagara, and Wayne. Although the Company 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 of September 30, 2019 and December 31, 2018, residential mortgage loans with a carrying value of $196.2 million and $201.9 million, respectively, have been pledged by the Company to the Federal Home Loan Bank of New York under a blanket collateral agreement to secure the Company’s line of credit and term borrowings. The Company retains the servicing on conventional fixed-rate mortgage loans sold to Freddie Mac and receives a fee based on the principal balance outstanding. Loans serviced for others totaled $115.7 million and $123.8 million at September 30, 2019 and December 31, 2018, respectively. Loan servicing rights are recorded at fair value when loans are sold with servicing rights retained. The fair value of the mortgage servicing rights (“MSRs”) is determined using a method which utilizes servicing income, discount rates, and prepayment speeds relative to the Bank’s portfolio for MSRs and are amortized over the life of the loan. MSRs amounted to $722,000 and $812,000 at September 30, 2019 and December 31, 2018, respectively, and are included in other assets on the consolidated balance sheets. Loan Origination / Risk Management The Company’s lending policies and procedures are presented in Note 4 to the consolidated financial statements included in FSB Bancorp’s Annual Report on Form 10‑K filed with the Securities and Exchange Commission on March 27, 2019 and have not changed. To develop and document a systematic methodology for determining the allowance for loan losses, the Company has divided the loan portfolio into two 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 Real Estate Loans Secured by one-to-four family residences Secured by multi-family residences Construction Commercial real estate Home equity lines of credit Other Loans Commercial and industrial Other loans The following tables present the classes of the loan portfolio, not including net deferred loan fees, 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, 2019 Special (In thousands) Pass Mention Substandard Doubtful Total Real estate loans: Secured by one-to-four family residences $ 212,434 $ 184 $ 2,782 $ – $ 215,400 Secured by multi-family residences 10,973 – – – 10,973 Construction 5,706 – – – 5,706 Commercial real estate 20,061 697 1,203 – 21,961 Home equity lines of credit 16,931 – 170 – 17,101 Total real estate loans 266,105 881 4,155 – 271,141 Commercial & industrial loans 7,221 30 45 – 7,296 Other loans 47 – – – 47 Total loans $ 273,373 $ 911 $ 4,200 $ – $ 278,484 As of December 31, 2018 Special (In thousands) Pass Mention Substandard Doubtful Total Real estate loans: Secured by one-to-four family residences $ 218,222 $ 494 $ 2,886 $ – $ 221,602 Secured by multi-family residences 10,241 – – – 10,241 Construction 4,898 – – – 4,898 Commercial real estate 21,313 931 248 – 22,492 Home equity lines of credit 16,565 – 201 – 16,766 Total real estate loans 271,239 1,425 3,335 – 275,999 Commercial & industrial loans 7,245 – 45 – 7,290 Other loans 50 – – – 50 Total loans $ 278,534 $ 1,425 $ 3,380 $ – $ 283,339 Commercial real estate loans rated special mention decreased $234,000, or 25.1%, to $697,000 at September 30, 2019 from $931,000 at December 31, 2018 due to two commercial mortgage loans paying as agreed, partially offset by one loan newly categorized as special mention as a result of delinquency during the nine months ended September 30, 2019. Real estate loans secured by one-to four family residences rated special mention decreased $310,000, or 62.8%, to $184,000 at September 30, 2019 from $494,000 at December 31, 2018 due to a mortgage loan payoff, partially offset by the addition of one new loan newly categorized as special mention as a result of delinquency during the nine months ended September 30, 2019. Commercial and industrial loans rated special mention increased $30,000 to $30,000 at September 30, 2019 from $0 at December 31, 2018 due to the addition of two loans newly categorized as special mention as a result of delinquency during the nine months ended September 30, 2019. Commercial real estate loans rated substandard increased $955,000, or 385.1%, to $1.2 million at September 30,2019 from $248,000 at December 31, 2018 due to one loan becoming downgraded to substandard as a result of delinquency and after an annual financial statement review of the borrower was performed during the nine months ended September 30, 2019. Management has reviewed its loan portfolio and determined that, to the best of its knowledge, no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of originating these types of loans. 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, segregated by portfolio segment and class of loans, as of September 30, 2019 and December 31, 2018, are detailed in the following tables: As of September 30, 2019 30-59 Days 60-89 Days 90 Days Total Total Loans (In thousands) Past Due Past Due and Over Past Due Current Receivable Real estate loans: Secured by one-to-four family residences $ 332 $ 819 $ 55 $ 1,206 $ 214,194 $ 215,400 Secured by multi-family residences – – – – 10,973 10,973 Construction – – – – 5,706 5,706 Commercial – 1,653 248 1,901 20,060 21,961 Home equity lines of credit 50 – – 50 17,051 17,101 Total real estate loans 382 2,472 303 3,157 267,984 271,141 Commercial & industrial loans 30 – 45 75 7,221 7,296 Other loans – – – – 47 47 Total loans $ 412 $ 2,472 $ 348 $ 3,232 $ 275,252 $ 278,484 As of December 31, 2018 30-59 Days 60-89 Days 90 Days Total Total Loans (In thousands) Past Due Past Due and Over Past Due Current Receivable Real estate loans: Secured by one-to-four family residences $ 227 $ 349 $ 55 $ 631 $ 220,971 $ 221,602 Secured by multi-family residences – – – – 10,241 10,241 Construction – – – – 4,898 4,898 Commercial 248 – – 248 22,244 22,492 Home equity lines of credit 147 – – 147 16,619 16,766 Total real estate loans 622 349 55 1,026 274,973 275,999 Commercial & industrial loans – – 45 45 7,245 7,290 Other loans – – – – 50 50 Total loans $ 622 $ 349 $ 100 $ 1,071 $ 282,268 $ 283,339 Real estate loans secured by one-to four family residences 30‑59 days past due increased $105,000, or 46.3%, to $332,000 at September 30, 2019 from $227,000 at December 31, 2018 due to the delinquency of three mortgage loans, partially offset by two mortgage loans paying as agreed and one mortgage loan payoff during the nine months ended September 30, 2019. Home equity lines of credit 30-59 days past due decreased $97,000, or 66.0%, to $50,000 at September 30,2019 from $147,000 at December 31, 2018 due to the one home equity line of credit paying as agreed, partially offset by the delinquency of one home equity line of credit during the nine months ended September 30, 2019. Commercial & industrial loans 30-59 days past due increased $30,000 to $30,000 at September 30, 2019 from $0 at December 31, 2018 due to the delinquency of two commercial & industrial loans during the nine months ended September 30, 2019. Real estate loans secured by one-to four family residences 60-89 days past due increased $470,000, or 134.7%, to $819,000 at September 30, 2019 from $349,000 at December 31, 2018 due to the delinquency of two mortgage loans, partially offset by two mortgage loans paying as agreed during the nine months ended September 30, 2019. Commercial loans 60-89 days past due increased $1.7 million to $1.7 million at September 30, 2019 from $0 at December 31, 2018 due to the delinquency of two commercial loans during the nine months ended September 30, 2019. Commercial loans 90 days and over increased $248,000 to $248,000 at September 30, 2019 from $0 at December 31, 2018 due to the delinquency of one commercial loan during the nine months ended September 30, 2019. This loan was previously classified as 30-59 days delinquent at December 31, 2018. Nonaccrual loans, segregated by class of loan, were as follows: September 30, December 31, (In thousands) 2019 2018 Residential mortgage loans: Secured by one-to-four family residences $ 55 $ 55 55 55 Commercial loans: Real estate 944 – Commercial and industrial loans 45 45 989 45 Consumer loans: Home equity lines of credit – – Total nonaccrual loans $ 1,044 $ 100 There were no loans that were past due 90 days or more and still accruing interest at September 30, 2019 and December 31, 2018. At September 30, 2019 and December 31, 2018, there were no troubled debt restructurings. The following table summarizes impaired loans information by portfolio class as of and for the nine months ended September 30, 2019 and as of and for the year ended December 31, 2018: As of September 30, 2019 Unpaid Average Recorded Principal Related Recorded (In thousands) Investment Balance Allowance Investment With an allowance recorded: Commercial real estate $ 944 $ 944 $ 180 $ 950 Commercial & industrial loans 45 45 30 45 Total loans $ 989 $ 989 $ 210 $ 995 As of December 31, 2018 Unpaid Average Recorded Principal Related Recorded (In thousands) Investment Balance Allowance Investment With an allowance recorded: Commercial real estate $ – $ – $ – $ – Commercial & industrial loans – – – – Total loans $ – $ – $ – $ – Interest income recognized on impaired loans was immaterial at September 30, 2019.

Allowance for Loan Losses and F

Allowance for Loan Losses and Foreclosed Real Estate	9 Months Ended
Allowance for Loan Losses and Foreclosed Real Estate	Sep. 30, 2019
Loans and Leases Receivable Disclosure [Abstract]
Allowance for Loan Losses and Foreclosed Real Estate	Note 6: Allowance for Loan Losses and Foreclosed Real Estate 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 on 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, 2019 Secured by Secured by one-to-four multi-family Home equity family residences residences Construction Commercial lines of credit Commercial Other/ (In thousands) real estate loans real estate loans real estate loans real estate loans real estate loans & industrial Unallocated Total Allowance for loan losses: Beginning Balance $ 805 $ 74 $ 20 $ 482 $ 105 $ 125 $ 50 $ 1,661 Charge-offs – – – – – – – – Recoveries – – – – – – – – Provisions (Credits) 20 8 9 (2) (3) (1) 44 75 Ending balance $ 825 $ 82 $ 29 $ 480 $ 102 $ 124 $ 94 $ 1,736 Ending balance: related to loans individually evaluated for impairment – – – 180 – 30 – 210 Ending balance: related to loans collectively evaluated for impairment $ 825 $ 82 $ 29 $ 300 $ 102 $ 94 $ 94 $ 1,526 Loans receivables: Ending balance $ 215,400 $ 10,973 $ 5,706 $ 21,961 $ 17,101 $ 7,296 $ 47 $ 278,484 Ending balance: related to loans individually evaluated for impairment – – – 944 – 45 – 989 Ending balance: related to loans collectively evaluated for impairment $ 215,400 $ 10,973 $ 5,706 $ 21,017 $ 17,101 $ 7,251 $ 47 $ 277,495 For the three months ended September 30, 2018 Secured by Secured by one-to-four multi-family Home equity family residences residences Construction Commercial lines of credit Commercial Other/ (In thousands) real estate loans real estate loans real estate loans real estate loans real estate loans & industrial Unallocated Total Allowance for loan losses: Beginning Balance $ 803 $ 78 $ 33 $ 211 $ 103 $ 54 $ 129 $ 1,411 Charge-offs – – – – – – – – Recoveries – – – – – – – – Provisions (Credits) 85 – (2) 53 1 19 (81) 75 Ending balance $ 888 $ 78 $ 31 $ 264 $ 104 $ 73 $ 48 $ 1,486 Ending balance: related to loans individually evaluated for impairment – – – – – – – – Ending balance: related to loans collectively evaluated for impairment $ 888 $ 78 $ 31 $ 264 $ 104 $ 73 $ 48 $ 1,486 Loans receivables: Ending balance $ 219,841 $ 10,337 $ 6,277 $ 21,650 $ 17,012 $ 5,399 $ 56 $ 280,572 Ending balance: related to loans individually evaluated for impairment – – – – – – – – Ending balance: related to loans collectively evaluated for impairment $ 219,841 $ 10,337 $ 6,277 $ 21,650 $ 17,012 $ 5,399 $ 56 $ 280,572 For the nine months ended September 30, 2019 Secured by Secured by one-to-four multi-family Home equity family residences residences Construction Commercial lines of credit Commercial Other/ (In thousands) real estate loans real estate loans real estate loans real estate loans real estate loans & industrial Unallocated Total Allowance for loan losses: Beginning Balance $ 866 $ 77 $ 24 $ 284 $ 103 $ 97 $ 110 $ 1,561 Charge-offs – – – – – – – – Recoveries – – – – – – – – Provisions (Credits) (41) 5 5 196 (1) 27 (16) 175 Ending balance $ 825 $ 82 $ 29 $ 480 $ 102 $ 124 $ 94 $ 1,736 Ending balance: related to loans individually evaluated for impairment – – – 180 – 30 – 210 Ending balance: related to loans collectively evaluated for impairment $ 825 $ 82 $ 29 $ 300 $ 102 $ 94 $ 94 $ 1,526 Loans receivables: Ending balance $ 215,400 $ 10,973 $ 5,706 $ 21,961 $ 17,101 $ 7,296 $ 47 $ 278,484 Ending balance: related to loans individually evaluated for impairment – – – 944 – 45 – 989 Ending balance: related to loans collectively evaluated for impairment $ 215,400 $ 10,973 $ 5,706 $ 21,017 $ 17,101 $ 7,251 $ 47 $ 277,495 For the nine months ended September 30, 2018 Secured by Secured by one-to-four multi-family Home equity family residences residences Construction Commercial lines of credit Commercial Other/ (In thousands) real estate loans real estate loans real estate loans real estate loans real estate loans & industrial Unallocated Total Allowance for loan losses: Beginning Balance $ 816 $ 80 $ 54 $ 148 $ 107 $ 47 $ 9 $ 1,261 Charge-offs – – – – – – – – Recoveries – – – – – – – – Provisions (Credits) 72 (2) (23) 116 (3) 26 39 225 Ending balance $ 888 $ 78 $ 31 $ 264 $ 104 $ 73 $ 48 $ 1,486 Ending balance: related to loans individually evaluated for impairment – – – – – – – – Ending balance: related to loans collectively evaluated for impairment $ 888 $ 78 $ 31 $ 264 $ 104 $ 73 $ 48 $ 1,486 Loans receivables: Ending balance $ 219,841 $ 10,337 $ 6,277 $ 21,650 $ 17,012 $ 5,399 $ 56 $ 280,572 Ending balance: related to loans individually evaluated for impairment – – – – – – – – Ending balance: related to loans individually evaluated for impairment $ 219,841 $ 10,337 $ 6,277 $ 21,650 $ 17,012 $ 5,399 $ 56 $ 280,572 The Company had no foreclosed real estate at September 30, 2019 or December 31, 2018. At September 30, 2019, the Company had one commercial real estate loan for $248,000 and one residential real estate loan for $55,000 in the process of foreclosure and at December 31, 2018, the Company had one residential real estate loan for $55,000 in the process of foreclosure.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
Fair Value Measurements	Sep. 30, 2019
Fair Value Disclosures [Abstract]
Fair Value Measurements	Note 7: 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 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, 2019 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Available-for-sale portfolio U.S. Government and agency obligations $ – $ 13,597 $ – $ 13,597 Mortgage-backed securities – residential – 4,403 – 4,403 Total available-for-sale securities $ – $ 18,000 $ – $ 18,000 December 31, 2018 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Available-for-sale portfolio U.S. Government and agency obligations $ – $ 12,455 $ – $ 12,455 Mortgage-backed securities – residential – 5,876 – 5,876 Total available-for-sale securities $ – $ 18,331 $ – $ 18,331 The Company had the following assets measured at fair value on a nonrecurring basis as of September 30, 2019 and December 31, 2018: September 30, 2019 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Impaired loans $ – $ – $ 779 $ 779 Loans held for sale $ – $ 3,690 $ – $ 3,690 Total loans $ – $ 3,690 $ 779 $ 4,469 December 31, 2018 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Impaired loans $ – $ – $ – $ – Loans held for sale $ – $ 2,133 $ – $ 2,133 Total loans $ – $ 2,133 $ – $ 2,133 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 date: Quantitative Information about Level 3 Fair Value Measurements Valuation Range At September 30, 2019 Techniques Unobservable Input (Weighted Avg.) Impaired loans Appraisal of collateral Appraisal Adjustments 23.6% - 28.9% (27.3%) (Sales Approach) Costs to Sell 6.1% - 50.7% (19.0%) There have been no transfers of assets into or out of any fair value measurement level during the nine months ended September 30, 2019. Required disclosures include fair value information of financial instruments, whether or not recognized in the consolidated balance sheets, 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 sale 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 consolidated 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, Due from Banks, and Interest Earning Demand Deposits The carrying amounts of these assets approximate their fair values. Investment Securities The fair value of securities available for sale (carried at fair value) and held to maturity (carried at amortized cost) are determined by matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather relying on the securities’ relationship to other benchmark quoted prices and is considered to be a Level 2 measurement. Investment in Restricted Stock The carrying value of restricted stock, which consists of Federal Home Loan Bank and Atlantic Community Bankers Bank, approximates its fair value based on the redemption provisions of the restricted stock, resulting in a Level 2 classification. Loans The fair values of loans, held in portfolio are estimated using discounted cash flow analyses. The discount rate considers a market participant's cost of funds, liquidity premiums, capital charges, servicing charges, and expectations of future rate movements (for variable rate loans), resulting in a Level 3 classification. Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal, and adjusted for potential defaulted loans. Loans held for sale in the secondary market are carried at the lower of cost or fair value, resulting in a Level 2 classification. Separate determinations of fair value for residential and commercial loans are made on an aggregate basis. Fair value is determined based solely on the effect of changes in secondary market interest rates and yield requirements from the commitment date to the date of the consolidated financial statements. Impaired Loans The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available for similar loans and collateral underlying such loans. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted in accordance with the allowance policy. The Company had no unsecured impaired loans as of September 30, 2019 and December 31, 2018. Accrued Interest Receivable and Payable The carrying amount of accrued interest receivable and payable approximates fair value. Deposits The fair values disclosed for demand deposits (e.g., NOW accounts, non-interest checking, regular savings and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts), resulting in a Level 1 classification. The carrying amounts for variable-rate certificates of deposit approximate their fair values at the reporting date, resulting in a Level 1 classification. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies market interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits, resulting in a Level 2 classification. Borrowings The fair values of FHLB long-term borrowings are estimated using discounted cash flow analyses, based on the quoted rates for new FHLB advances with similar credit risk characteristics, terms and remaining maturity, resulting 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, 2019 December 31, 2018 Fair Value Carrying Estimated Carrying Estimated (In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and due from banks 1 $ 1,485 $ 1,485 $ 1,581 $ 1,581 Interest earning demand deposits 1 3,731 3,731 4,710 4,710 Securities - available-for-sale 2 18,000 18,000 18,331 18,331 Securities - held-to-maturity 2 6,011 6,137 6,052 6,030 Investment in restricted stock 2 2,961 2,961 3,637 3,637 Loans held for sale 2 3,690 3,690 2,133 2,133 Loans, net 3 276,711 287,796 281,741 280,173 Accrued interest receivable 1 912 912 876 876 Financial liabilities: Demand deposits, savings, NOW and MMDA 1 96,799 96,799 98,681 98,681 Time deposits 2 136,084 136,367 123,934 124,182 Borrowings 2 56,262 57,084 71,826 71,086 Accrued interest payable 1 119 119 168 168

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	9 Months Ended
Accumulated Other Comprehensive Loss	Sep. 30, 2019
Comprehensive Income Loss Note [Abstract]
Accumulated Other Comprehensive Loss	Note 8: Accumulated Other Comprehensive Loss Changes in the components of accumulated other comprehensive loss, net of tax, for the periods indicated are summarized in the table below. For the three months ended September 30, 2019 Unrealized Gains (Losses) on (In thousands) Available-for-Sale Securities Total Beginning balance $ (41) $ (41) Other comprehensive income 21 21 Ending balance $ (20) $ (20) For the three months ended September 30, 2018 Unrealized Losses on (In thousands) Available-for-Sale Securities Total Beginning balance $ (262) $ (262) Other comprehensive loss (20) (20) Ending balance $ (282) $ (282) For the nine months ended September 30, 2019 Unrealized Gains (Losses) on (In thousands) Available-for-Sale Securities Total Beginning balance $ (183) $ (183) Other comprehensive income 163 163 Ending balance $ (20) $ (20) For the nine months ended September 30, 2018 Unrealized Losses on (In thousands) Available-for-Sale Securities Total Beginning balance $ (165) $ (165) Other comprehensive loss (117) (117) Ending balance $ (282) $ (282)

Other Income

Other Income	9 Months Ended
Other Income	Sep. 30, 2019
Other Income and Expenses [Abstract]
Other Income	Note 9: Other Income The Company has included the following table regarding the Company’s other income for the periods presented. All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within Other Income. The following tables present the Company’s sources of Other Income for the three and nine months ended September 30, 2019 and 2018. Items outside the scope of ASC 606 are noted as such. For the three For the three months ended months ended (In thousands) September 30, 2019 September 30, 2018 Service fees Deposit related fees $ 18 $ 18 Insufficient funds fee 20 20 Total service fees 38 38 Fee income Securities commission income 2 9 Insurance commission income 2 27 Total insurance and securities commission income 4 36 Card income Debit card interchange fee income 38 37 ATM fees 8 9 Total card income 46 46 Mortgage fee income and realized gain on sales of loans* Residential mortgage loan origination fees 66 94 Commercial loan fees 33 49 Loan servicing income 74 75 Realized gain on sales of residential mortgage loans 278 461 Total mortgage fee income and realized gain on sales of loans 451 679 Bank owned life insurance 15 16 Other miscellaneous income – 1 Total non-interest income $ 554 $ 816 Outside scope of ASC 606 For the nine For the nine months ended months ended (In thousands) September 30, 2019 September 30, 2018 Service fees Deposit related fees $ 49 $ 45 Insufficient funds fee 55 62 Total service fees 104 107 Fee income Securities commission income 6 36 Insurance commission income 8 73 Total insurance and securities commission income 14 109 Card income Debit card interchange fee income 103 108 ATM fees 23 24 Total card income 126 132 Mortgage fee income and realized gain on sales of loans Residential mortgage loan origination fees 156 262 Commercial loan fees 62 81 Loan servicing income 225 245 Realized gain on sales of residential mortgage loans 620 1,051 Realized gain on sale of SBA loan – 47 Total mortgage fee income and realized gain on sales of loans 1,063 1,686 Bank owned life insurance 45 46 Other miscellaneous income – 19 Total non-interest income $ 1,352 $ 2,099 *Outside scope of ASC 606 The Company recognizes revenue as it is earned. The following is a discussion of key revenues within the scope of the new revenue guidance: · Service fees – Revenue from fees on deposit accounts is earned through the presentation of an individual item for processing for insufficient funds fees or customer initiated activities or passage of time for deposit related fees. · Fee income – Fee income is earned through commissions on insurance and securities sales and earned at a point in time. · Card income – Card income consists of interchange fees from consumer debit card networks and other card 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 sales of loans – Revenue from mortgage fee income and realized gain on sales of loans is earned through the origination of residential and commercial mortgage loans and the sales of one-to-four family residential mortgage loans and government guaranteed portions of SBA loans and is recognized as transactions occur.

Stock-Based Compensation

Stock-Based Compensation	9 Months Ended
Stock-Based Compensation	Sep. 30, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock-Based Compensation	Note 10: Stock-Based Compensation A summary of the Company’s stock option activity and related information for its option plans for the nine months ended September 30, 2019 and 2018 is as follows: For the nine months ended September 30, 2019 Weighted Average Exercise Price Per Options Share Outstanding at beginning of year 172,080 $ 16.82 Grants – – Exercised – – Outstanding at quarter end 172,080 $ 16.82 Exercisable at quarter end 34,416 $ 16.82 For the nine months ended September 30, 2018 Weighted Average Exercise Price Per Options Share Outstanding at beginning of year 152,080 $ 16.72 Grants 20,000 17.58 Exercised – – Outstanding at quarter end 172,080 $ 16.82 Exercisable at quarter end – $ – The grants to senior management and directors vest over a five year period in equal annual installments, with the first installment vesting on the first anniversary date of the grant and succeeding installments on each anniversary thereafter, through 2023. Vesting will automatically accelerate in the event of a participant’s death, disability, or involuntary termination following a change in control. The compensation expense of the awards is based on the fair value of the instruments on the date of grant. The Company recorded compensation expense in the amount of $76,000 for the three months ended September 30, 2019 and $228,000 for the nine months ended September 30, 2019. The Company recorded compensation expense in the amount of $79,000 for the three months ended September 30, 2018 and $231,000 for the nine months ended September 30, 2018.

Leases

Leases	9 Months Ended
Leases	Sep. 30, 2019
Leases [Abstract]
Leases	Note 11: Leases The Company occupies certain banking and mortgage origination offices under noncancelable operating lease agreements which were not reflected on the consolidated balance sheet at December 31, 2018. Upon adoption of ASC Topic 842, Leases, on January 1, 2019, the Company recorded an asset of $2.3 million and a corresponding liability in the amount of $2.6 million on the consolidated balance sheets, as a result of recognizing operating lease right-of-use assets and operating lease liabilities on the consolidated balance sheets. The Company elected to adopt the transition relief under ASC Topic 842 using the modified retrospective transition method. All lease agreements are accounted for as operating leases. The Company has no unamortized initial direct costs related to the establishment of these lease agreements as of January 1, 2019. We have elected the available practical expedients and implemented internal controls and key system functionality to enable the preparation of financial information on adoption. Our leases have remaining lease terms that vary from less than one year up to 12 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 September 30, (In thousands) 2019 Operating lease cost $ 97 Short-term lease cost 17 Total $ 114 For the nine months ended September 30, (In thousands) 2019 Operating lease cost $ 291 Short-term lease cost 52 Total $ 343 Supplemental cash flow information related to leases was as follows: For the nine months ended September 30, (In thousands) 2019 Cash paid for amount included in the measurement of operating lease liabilities: Operating cash flows from operating leases $ 291 Supplemental consolidated balance sheet information related to leases was as follows: For the nine months ended September 30, (In thousands, except lease term and discount rate) 2019 Operating Leases Operating lease right-of-use assets $ 2,199 Operating lease liabilities $ 2,401 Weighted Average Remaining Lease Term Operating Leases 8.8 years Weighted Average Discount Rate Operating Leases 3.52 % Maturities of operating lease liabilities were as follows: Year Ending December 31, (In thousands) 2019 $ 79 2020 318 2021 313 2022 252 2023 194 Thereafter 1,245 Total minimum lease payments $ 2,401

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2019
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The accompanying unaudited consolidated financial statements of FSB Bancorp, Inc. (“FSB Bancorp”), Fairport Savings Bank (the “Bank”), and its other wholly-owned subsidiary, Fairport Wealth Management (collectively, the “Company”), 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. The results are not necessarily indicative of the results that may be expected for the year ending December 31, 2019 or for any future 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 consolidated financial statements; accordingly, as this information changes, the consolidated financial statements could reflect different estimates, assumptions, and judgments. Certain 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 consolidated 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 other third-party sources, when available. When third party information is not available, valuation adjustments are estimated in good faith by management.
New Accounting Pronouncements	New Accounting Pronouncements In February 2016, the FASB issued ASU 2016‑02, Leases (Topic 842). This new guidance supersedes the lease requirements in Topic 840, Leases and is based on the principle that a lessee should recognize in the balance sheet a liability to make lease payments (the lease liability) and a right-of-use asset representing its right to use the underlying asset for the lease term. The accounting applied by a lessor is largely unchanged from that applied under the previous guidance. In addition, the guidance requires an entity to separate the lease components from the nonlease components in a contract. The ASU requires disclosures about the amount, timing, and judgments related to a reporting entity’s accounting for leases and related cash flows. The standard is required to be applied to all leases in existence as of the date of adoption using a modified retrospective transition approach. This guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company adopted this ASU on January 1, 2019 and has recognized lease liabilities and right-of-use assets associated with these lease agreements. The new guidance requires lessees to record a right-of-use asset and a lease liability for all leases with a term greater than 12 months. While the guidance requires all leases to be recognized in the balance sheet, there continues to be a differentiation between finance leases and operating leases for purposes of income statement recognition and cash flow statement presentation. For finance leases, interest on the lease liability and amortization of the right-of-use asset will be recognized separately in the consolidated statement of income. Repayments of principal on those lease liabilities will be classified within financing activities and payments of interest on the lease liability will be classified within operating activities in the statement of cash flows. For operating leases, a single lease cost is recognized in the consolidated statement of income and allocated over the lease term, generally on a straight-line basis. All cash payments are presented within operating activities in the statement of cash flows. The accounting applied by lessors is largely unchanged from existing GAAP, however, the guidance eliminates the accounting model for leveraged leases for leases that commence after the effective date of the guidance. In June 2016, the FASB issued ASU No. 2016‑13, Financial Instruments – Credit Losses (Topic 326). This new guidance significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. This ASU will replace the "incurred loss" model under existing guidance with an "expected loss" model for instruments measured at amortized cost, and require entities to record allowances for available-for-sale debt securities rather than reduce the carrying amount, as they do today under the other-than-temporary impairment model. This ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans. This guidance requires adoption through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted. This ASU was originally effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption was permitted for all companies as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. In July 2019, the FASB decided to add a project to its technical agenda to propose staggered effective dates for certain accounting standards, including ASU 2016-13. The FASB has proposed an approach that ASU 2016-13 will still be effective for Public Business Entities that are SEC filers, excluding smaller reporting companies such as the Company, for fiscal years beginning after December 15, 2019 and interim periods within those fiscal years. For all other entities, including smaller reporting companies like the Company, ASU 2016-13 will now be effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. For all entities, early adoption will continue to be permitted; that is, early adoption is allowed for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years (that is, effective January 1, 2019, for calendar-year-end companies). The FASB is currently in the process of drafting a proposed ASU for this project to be voted upon by FASB members after a 30 day comment period. The Company is currently a smaller reporting company, and if this proposal is approved and becomes effective, the Company’s expected adoption date for ASU 2016-13 would change from calendar year 2020 to calendar year 2023, including interim periods within those years. The Company is currently evaluating the impact the guidance will have on the Company’s consolidated financial statements, and expects an increase in the allowance for credit losses resulting from the change to expected losses for the estimated life of the financial asset, including an allowance for debt securities. The amount of the increase in the allowance for credit losses resulting from the new guidance will be impacted by the portfolio composition and asset quality at the adoption date, as well as economic conditions and forecasts at the time of adoption. The Company is currently running a second model concurrently in 2019 and does not anticipate a material impact to the consolidated financial statements. In March 2017, the FASB issued an Update (ASU 2017‑08) to its guidance on “Receivables – Nonrefundable Fees and Other Costs (Subtopic 310‑20) related to premium amortization on purchased callable debt securities. The amendments in this update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. For public companies, the amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. An entity should apply the amendments in this update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosure about a change in accounting principle. The adoption of this guidance did not have a material impact on our consolidated results of operations or financial position. In August 2018, the FASB has issued Accounting Standards Update (ASU) No. 2018‑15, Intangibles—Goodwill and Other—Internal Use Software (Subtopic 350‑40) : Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract, a consensus of the FASB Emerging Issues Task Force, which amends the FASB ASC to provide guidance on accounting for costs of implementation activities performed in a cloud computing arrangement that is a service contract. In April 2015, the FASB issued ASU No. 2015‑05, Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350‑40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement, which provided guidance to customers concerning whether a cloud computing arrangement (e.g., software, platform, or infrastructure offered as a service) includes a software license. Pursuant to that guidance, (1) if a cloud computing arrangement includes a software license, the software license element of the arrangement should be accounted for in a manner consistent with the acquisition of other software licenses, or (2) if the arrangement does not include a software license, then the arrangement should be accounted for as a service contract, with the fees associated with the hosting element (service) of the arrangement expensed as they are incurred. Following the issuance of ASU No. 2015‑05, constituents requested that the FASB provide additional guidance on the accounting for costs of implementation activities performed in a cloud computing arrangement that is a service contract. Accordingly, because U.S. GAAP do not contain explicit guidance on accounting for such costs, and to address the resulting diversity in practice, the FASB has issued ASU No. 2018‑15 to align the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software (and hosting arrangements that include an internal-use software license). Note that the guidance on accounting for the service element of a hosting arrangement that is a service contract is not affected by the amendments in ASU No. 2018‑15. The amended guidance is effective for fiscal years beginning after December 15, 2019, and for interim periods within those fiscal years.

Earnings per Common Share (Tabl

Earnings per Common Share (Tables)	9 Months Ended
Earnings per Common Share (Tables)	Sep. 30, 2019
Earnings Per Share [Abstract]
Schedule of basic earnings per share	Three months ended September 30, (In thousands, except per share data) 2019 2018 Basic and Diluted Earnings (Loss) Per Common Share Net income (loss) available to common stockholders $ 2 $ (50) Weighted average basic common shares outstanding 1,861 1,911 Weighted average diluted common shares outstanding 1,873 1,911 Earnings (loss) per common share – basic and diluted $ 0.00 $ (0.03) Nine months ended September 30, (In thousands, except per share data) 2019 2018 Basic and Diluted Earnings (Loss) Per Common Share Net income (loss) available to common stockholders $ (37) $ 92 Weighted average basic common shares outstanding 1,859 1,909 Weighted average diluted common shares outstanding 1,859 1,909 Earnings (loss) per common share – basic and diluted $ (0.02) $ 0.05

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
Investment Securities (Tables)	Sep. 30, 2019
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and estimated fair value of securities	September 30, 2019 Gross Gross Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio U.S. Government and agency obligations $ 13,610 $ 1 $ (14) $ 13,597 Mortgage-backed securities – residential 4,416 17 (30) 4,403 Total available-for-sale $ 18,026 $ 18 $ (44) $ 18,000 Held-to-Maturity Portfolio Mortgage-backed securities – residential $ 434 $ 7 $ – $ 441 State and municipal securities 5,577 119 – 5,696 Total held-to-maturity $ 6,011 $ 126 $ – $ 6,137 December 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio U.S. Government and agency obligations $ 12,610 $ 7 $ (162) $ 12,455 Mortgage-backed securities – residential 5,953 24 (101) 5,876 Total available-for-sale $ 18,563 $ 31 $ (263) $ 18,331 Held-to-Maturity Portfolio Mortgage-backed securities – residential $ 458 $ 6 $ (1) $ 463 State and municipal securities 5,594 29 (56) 5,567 Total held-to-maturity $ 6,052 $ 35 $ (57) $ 6,030
Schedule of amortized cost and estimated fair value by contractual maturity of debt securities	Available-for-Sale Held-to-Maturity Amortized Fair Amortized Fair (In thousands) Cost Value Cost Value Due in one year or less $ – $ – $ 1,563 $ 1,565 Due after one year through five years 10,610 10,597 2,418 2,446 Due after five years through ten years 3,000 3,000 1,596 1,685 Sub-total $ 13,610 $ 13,597 $ 5,577 $ 5,696 Mortgage-backed securities – residential 4,416 4,403 434 441 Totals $ 18,026 $ 18,000 $ 6,011 $ 6,137
Schedule of continuous unrealized loss position for investment securities	September 30, 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 U.S. Government and agency obligations 1 $ 4 $ 1,000 5 $ 10 $ 6,595 6 $ 14 $ 7,595 Mortgage-backed securities - residential (1) 1 – 139 4 30 3,162 5 30 3,301 Totals 2 $ 4 $ 1,139 9 $ 40 $ 9,757 11 $ 44 $ 10,896 Held-to-Maturity Mortgage-backed securities – residential – $ – $ – – $ – $ – – $ – $ – State and municipal securities (1) 1 – 340 – – – 1 – 340 Totals 1 $ – $ 340 – $ – $ – 1 $ – $ 340 December 31, 2018 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 U.S. Government and agency obligations – $ – $ – 8 $ 162 $ 9,445 8 $ 162 $ 9,445 Mortgage-backed securities - residential (1) 1 – 203 4 101 3,749 5 101 3,952 Totals 1 $ – $ 203 12 $ 263 $ 13,194 13 $ 263 $ 13,397 Held-to-Maturity Mortgage-backed securities – residential – $ – $ – 1 $ 1 $ 165 1 $ 1 $ 165 State and municipal securities 3 4 1,039 15 52 3,021 18 56 4,060 Totals 3 $ 4 $ 1,039 16 $ 53 $ 3,186 19 $ 57 $ 4,225 (1) Aggregate unrealized loss position of these securities is less than $500.

Loans (Tables)

Loans (Tables)	9 Months Ended
Loans (Tables)	Sep. 30, 2019
Loans and Leases Receivable Disclosure [Abstract]
Schedule of net loans	September 30, December 31, (In thousands) 2019 2018 Real estate loans: Secured by one-to-four family residences $ 215,400 $ 221,602 Secured by multi-family residences 10,973 10,241 Construction 5,706 4,898 Commercial real estate 21,961 22,492 Home equity lines of credit 17,101 16,766 Total real estate loans 271,141 275,999 Commercial and industrial loans 7,296 7,290 Other loans 47 50 Total loans 278,484 283,339 Net deferred loan origination fees (37) (37) Less allowance for loan losses (1,736) (1,561) Loans receivable, net $ 276,711 $ 281,741
Schedule of risk category of loans by class	As of September 30, 2019 Special (In thousands) Pass Mention Substandard Doubtful Total Real estate loans: Secured by one-to-four family residences $ 212,434 $ 184 $ 2,782 $ – $ 215,400 Secured by multi-family residences 10,973 – – – 10,973 Construction 5,706 – – – 5,706 Commercial real estate 20,061 697 1,203 – 21,961 Home equity lines of credit 16,931 – 170 – 17,101 Total real estate loans 266,105 881 4,155 – 271,141 Commercial & industrial loans 7,221 30 45 – 7,296 Other loans 47 – – – 47 Total loans $ 273,373 $ 911 $ 4,200 $ – $ 278,484 As of December 31, 2018 Special (In thousands) Pass Mention Substandard Doubtful Total Real estate loans: Secured by one-to-four family residences $ 218,222 $ 494 $ 2,886 $ – $ 221,602 Secured by multi-family residences 10,241 – – – 10,241 Construction 4,898 – – – 4,898 Commercial real estate 21,313 931 248 – 22,492 Home equity lines of credit 16,565 – 201 – 16,766 Total real estate loans 271,239 1,425 3,335 – 275,999 Commercial & industrial loans 7,245 – 45 – 7,290 Other loans 50 – – – 50 Total loans $ 278,534 $ 1,425 $ 3,380 $ – $ 283,339
Schedule of age of the loan delinquencies by type and by amount past due	As of September 30, 2019 30-59 Days 60-89 Days 90 Days Total Total Loans (In thousands) Past Due Past Due and Over Past Due Current Receivable Real estate loans: Secured by one-to-four family residences $ 332 $ 819 $ 55 $ 1,206 $ 214,194 $ 215,400 Secured by multi-family residences – – – – 10,973 10,973 Construction – – – – 5,706 5,706 Commercial – 1,653 248 1,901 20,060 21,961 Home equity lines of credit 50 – – 50 17,051 17,101 Total real estate loans 382 2,472 303 3,157 267,984 271,141 Commercial & industrial loans 30 – 45 75 7,221 7,296 Other loans – – – – 47 47 Total loans $ 412 $ 2,472 $ 348 $ 3,232 $ 275,252 $ 278,484 As of December 31, 2018 30-59 Days 60-89 Days 90 Days Total Total Loans (In thousands) Past Due Past Due and Over Past Due Current Receivable Real estate loans: Secured by one-to-four family residences $ 227 $ 349 $ 55 $ 631 $ 220,971 $ 221,602 Secured by multi-family residences – – – – 10,241 10,241 Construction – – – – 4,898 4,898 Commercial 248 – – 248 22,244 22,492 Home equity lines of credit 147 – – 147 16,619 16,766 Total real estate loans 622 349 55 1,026 274,973 275,999 Commercial & industrial loans – – 45 45 7,245 7,290 Other loans – – – – 50 50 Total loans $ 622 $ 349 $ 100 $ 1,071 $ 282,268 $ 283,339
Schedule of nonaccrual loans	September 30, December 31, (In thousands) 2019 2018 Residential mortgage loans: Secured by one-to-four family residences $ 55 $ 55 55 55 Commercial loans: Real estate 944 – Commercial and industrial loans 45 45 989 45 Consumer loans: Home equity lines of credit – – Total nonaccrual loans $ 1,044 $ 100
Schedule of impaired loans by portfolio segment	As of September 30, 2019 Unpaid Average Recorded Principal Related Recorded (In thousands) Investment Balance Allowance Investment With an allowance recorded: Commercial real estate $ 944 $ 944 $ 180 $ 950 Commercial & industrial loans 45 45 30 45 Total loans $ 989 $ 989 $ 210 $ 995 As of December 31, 2018 Unpaid Average Recorded Principal Related Recorded (In thousands) Investment Balance Allowance Investment With an allowance recorded: Commercial real estate $ – $ – $ – $ – Commercial & industrial loans – – – – Total loans $ – $ – $ – $ –

Allowance for Loan Losses and_2

Allowance for Loan Losses and Foreclosed Real Estate (Tables)	9 Months Ended
	Sep. 30, 2019
Loans and Leases Receivable Disclosure [Abstract]
Schedule of changes in the allowance for loan losses	For the three months ended September 30, 2019 Secured by Secured by one-to-four multi-family Home equity family residences residences Construction Commercial lines of credit Commercial Other/ (In thousands) real estate loans real estate loans real estate loans real estate loans real estate loans & industrial Unallocated Total Allowance for loan losses: Beginning Balance $ 805 $ 74 $ 20 $ 482 $ 105 $ 125 $ 50 $ 1,661 Charge-offs – – – – – – – – Recoveries – – – – – – – – Provisions (Credits) 20 8 9 (2) (3) (1) 44 75 Ending balance $ 825 $ 82 $ 29 $ 480 $ 102 $ 124 $ 94 $ 1,736 Ending balance: related to loans individually evaluated for impairment – – – 180 – 30 – 210 Ending balance: related to loans collectively evaluated for impairment $ 825 $ 82 $ 29 $ 300 $ 102 $ 94 $ 94 $ 1,526 Loans receivables: Ending balance $ 215,400 $ 10,973 $ 5,706 $ 21,961 $ 17,101 $ 7,296 $ 47 $ 278,484 Ending balance: related to loans individually evaluated for impairment – – – 944 – 45 – 989 Ending balance: related to loans collectively evaluated for impairment $ 215,400 $ 10,973 $ 5,706 $ 21,017 $ 17,101 $ 7,251 $ 47 $ 277,495 For the three months ended September 30, 2018 Secured by Secured by one-to-four multi-family Home equity family residences residences Construction Commercial lines of credit Commercial Other/ (In thousands) real estate loans real estate loans real estate loans real estate loans real estate loans & industrial Unallocated Total Allowance for loan losses: Beginning Balance $ 803 $ 78 $ 33 $ 211 $ 103 $ 54 $ 129 $ 1,411 Charge-offs – – – – – – – – Recoveries – – – – – – – – Provisions (Credits) 85 – (2) 53 1 19 (81) 75 Ending balance $ 888 $ 78 $ 31 $ 264 $ 104 $ 73 $ 48 $ 1,486 Ending balance: related to loans individually evaluated for impairment – – – – – – – – Ending balance: related to loans collectively evaluated for impairment $ 888 $ 78 $ 31 $ 264 $ 104 $ 73 $ 48 $ 1,486 Loans receivables: Ending balance $ 219,841 $ 10,337 $ 6,277 $ 21,650 $ 17,012 $ 5,399 $ 56 $ 280,572 Ending balance: related to loans individually evaluated for impairment – – – – – – – – Ending balance: related to loans collectively evaluated for impairment $ 219,841 $ 10,337 $ 6,277 $ 21,650 $ 17,012 $ 5,399 $ 56 $ 280,572 For the nine months ended September 30, 2019 Secured by Secured by one-to-four multi-family Home equity family residences residences Construction Commercial lines of credit Commercial Other/ (In thousands) real estate loans real estate loans real estate loans real estate loans real estate loans & industrial Unallocated Total Allowance for loan losses: Beginning Balance $ 866 $ 77 $ 24 $ 284 $ 103 $ 97 $ 110 $ 1,561 Charge-offs – – – – – – – – Recoveries – – – – – – – – Provisions (Credits) (41) 5 5 196 (1) 27 (16) 175 Ending balance $ 825 $ 82 $ 29 $ 480 $ 102 $ 124 $ 94 $ 1,736 Ending balance: related to loans individually evaluated for impairment – – – 180 – 30 – 210 Ending balance: related to loans collectively evaluated for impairment $ 825 $ 82 $ 29 $ 300 $ 102 $ 94 $ 94 $ 1,526 Loans receivables: Ending balance $ 215,400 $ 10,973 $ 5,706 $ 21,961 $ 17,101 $ 7,296 $ 47 $ 278,484 Ending balance: related to loans individually evaluated for impairment – – – 944 – 45 – 989 Ending balance: related to loans collectively evaluated for impairment $ 215,400 $ 10,973 $ 5,706 $ 21,017 $ 17,101 $ 7,251 $ 47 $ 277,495 For the nine months ended September 30, 2018 Secured by Secured by one-to-four multi-family Home equity family residences residences Construction Commercial lines of credit Commercial Other/ (In thousands) real estate loans real estate loans real estate loans real estate loans real estate loans & industrial Unallocated Total Allowance for loan losses: Beginning Balance $ 816 $ 80 $ 54 $ 148 $ 107 $ 47 $ 9 $ 1,261 Charge-offs – – – – – – – – Recoveries – – – – – – – – Provisions (Credits) 72 (2) (23) 116 (3) 26 39 225 Ending balance $ 888 $ 78 $ 31 $ 264 $ 104 $ 73 $ 48 $ 1,486 Ending balance: related to loans individually evaluated for impairment – – – – – – – – Ending balance: related to loans collectively evaluated for impairment $ 888 $ 78 $ 31 $ 264 $ 104 $ 73 $ 48 $ 1,486 Loans receivables: Ending balance $ 219,841 $ 10,337 $ 6,277 $ 21,650 $ 17,012 $ 5,399 $ 56 $ 280,572 Ending balance: related to loans individually evaluated for impairment – – – – – – – – Ending balance: related to loans individually evaluated for impairment $ 219,841 $ 10,337 $ 6,277 $ 21,650 $ 17,012 $ 5,399 $ 56 $ 280,572

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
Fair Value Measurements (Tables)	Sep. 30, 2019
Fair Value Disclosures [Abstract]
Schedule of assets measured at fair value on a recurring basis	September 30, 2019 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Available-for-sale portfolio U.S. Government and agency obligations $ – $ 13,597 $ – $ 13,597 Mortgage-backed securities – residential – 4,403 – 4,403 Total available-for-sale securities $ – $ 18,000 $ – $ 18,000 December 31, 2018 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Available-for-sale portfolio U.S. Government and agency obligations $ – $ 12,455 $ – $ 12,455 Mortgage-backed securities – residential – 5,876 – 5,876 Total available-for-sale securities $ – $ 18,331 $ – $ 18,331
Fair Value Measurements, Nonrecurring [Table Text Block]	September 30, 2019 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Impaired loans $ – $ – $ 779 $ 779 Loans held for sale $ – $ 3,690 $ – $ 3,690 Total loans $ – $ 3,690 $ 779 $ 4,469 December 31, 2018 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Impaired loans $ – $ – $ – $ – Loans held for sale $ – $ 2,133 $ – $ 2,133 Total loans $ – $ 2,133 $ – $ 2,133
Schedule of additional quantitative information of assets measured at fair value on a nonrecurring basis	Quantitative Information about Level 3 Fair Value Measurements Valuation Range At September 30, 2019 Techniques Unobservable Input (Weighted Avg.) Impaired loans Appraisal of collateral Appraisal Adjustments 23.6% - 28.9% (27.3%) (Sales Approach) Costs to Sell 6.1% - 50.7% (19.0%)
Schedule of carrying amounts and estimated fair values of the financial instruments	September 30, 2019 December 31, 2018 Fair Value Carrying Estimated Carrying Estimated (In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and due from banks 1 $ 1,485 $ 1,485 $ 1,581 $ 1,581 Interest earning demand deposits 1 3,731 3,731 4,710 4,710 Securities - available-for-sale 2 18,000 18,000 18,331 18,331 Securities - held-to-maturity 2 6,011 6,137 6,052 6,030 Investment in restricted stock 2 2,961 2,961 3,637 3,637 Loans held for sale 2 3,690 3,690 2,133 2,133 Loans, net 3 276,711 287,796 281,741 280,173 Accrued interest receivable 1 912 912 876 876 Financial liabilities: Demand deposits, savings, NOW and MMDA 1 96,799 96,799 98,681 98,681 Time deposits 2 136,084 136,367 123,934 124,182 Borrowings 2 56,262 57,084 71,826 71,086 Accrued interest payable 1 119 119 168 168

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	9 Months Ended
Accumulated Other Comprehensive Income (Loss) (Tables)	Sep. 30, 2019
Comprehensive Income Loss Note [Abstract]
Schedule of accumulated other comprehensive income (loss)	For the three months ended September 30, 2019 Unrealized Gains (Losses) on (In thousands) Available-for-Sale Securities Total Beginning balance $ (41) $ (41) Other comprehensive income 21 21 Ending balance $ (20) $ (20) For the three months ended September 30, 2018 Unrealized Losses on (In thousands) Available-for-Sale Securities Total Beginning balance $ (262) $ (262) Other comprehensive loss (20) (20) Ending balance $ (282) $ (282) For the nine months ended September 30, 2019 Unrealized Gains (Losses) on (In thousands) Available-for-Sale Securities Total Beginning balance $ (183) $ (183) Other comprehensive income 163 163 Ending balance $ (20) $ (20) For the nine months ended September 30, 2018 Unrealized Losses on (In thousands) Available-for-Sale Securities Total Beginning balance $ (165) $ (165) Other comprehensive loss (117) (117) Ending balance $ (282) $ (282)

Other Income (Tables)

Other Income (Tables)	9 Months Ended
Other Income (Tables)	Sep. 30, 2019
Other Income and Expenses [Abstract]
Schedule of non-interest income	For the three For the three months ended months ended (In thousands) September 30, 2019 September 30, 2018 Service fees Deposit related fees $ 18 $ 18 Insufficient funds fee 20 20 Total service fees 38 38 Fee income Securities commission income 2 9 Insurance commission income 2 27 Total insurance and securities commission income 4 36 Card income Debit card interchange fee income 38 37 ATM fees 8 9 Total card income 46 46 Mortgage fee income and realized gain on sales of loans* Residential mortgage loan origination fees 66 94 Commercial loan fees 33 49 Loan servicing income 74 75 Realized gain on sales of residential mortgage loans 278 461 Total mortgage fee income and realized gain on sales of loans 451 679 Bank owned life insurance 15 16 Other miscellaneous income – 1 Total non-interest income $ 554 $ 816 Outside scope of ASC 606 For the nine For the nine months ended months ended (In thousands) September 30, 2019 September 30, 2018 Service fees Deposit related fees $ 49 $ 45 Insufficient funds fee 55 62 Total service fees 104 107 Fee income Securities commission income 6 36 Insurance commission income 8 73 Total insurance and securities commission income 14 109 Card income Debit card interchange fee income 103 108 ATM fees 23 24 Total card income 126 132 Mortgage fee income and realized gain on sales of loans Residential mortgage loan origination fees 156 262 Commercial loan fees 62 81 Loan servicing income 225 245 Realized gain on sales of residential mortgage loans 620 1,051 Realized gain on sale of SBA loan – 47 Total mortgage fee income and realized gain on sales of loans 1,063 1,686 Bank owned life insurance 45 46 Other miscellaneous income – 19 Total non-interest income $ 1,352 $ 2,099

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	9 Months Ended
Stock-Based Compensation (Tables)	Sep. 30, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of stock option activity	For the nine months ended September 30, 2019 Weighted Average Exercise Price Per Options Share Outstanding at beginning of year 172,080 $ 16.82 Grants – – Exercised – – Outstanding at quarter end 172,080 $ 16.82 Exercisable at quarter end 34,416 $ 16.82 For the nine months ended September 30, 2018 Weighted Average Exercise Price Per Options Share Outstanding at beginning of year 152,080 $ 16.72 Grants 20,000 17.58 Exercised – – Outstanding at quarter end 172,080 $ 16.82 Exercisable at quarter end – $ –

Leases (Tables)

Leases (Tables)	9 Months Ended
Leases (Tables)	Sep. 30, 2019
Leases [Abstract]
Schedule of components of the lease expense	For the three months ended September 30, (In thousands) 2019 Operating lease cost $ 97 Short-term lease cost 17 Total $ 114 For the nine months ended September 30, (In thousands) 2019 Operating lease cost $ 291 Short-term lease cost 52 Total $ 343
Schedule of supplemental cash flow and balance sheet information related to leases	For the nine months ended September 30, (In thousands) 2019 Cash paid for amount included in the measurement of operating lease liabilities: Operating cash flows from operating leases $ 291 For the nine months ended September 30, (In thousands, except lease term and discount rate) 2019 Operating Leases Operating lease right-of-use assets $ 2,199 Operating lease liabilities $ 2,401 Weighted Average Remaining Lease Term Operating Leases 8.8 years Weighted Average Discount Rate Operating Leases 3.52 %
Schedule of maturities of lease liabilities	Year Ending December 31, (In thousands) 2019 $ 79 2020 318 2021 313 2022 252 2023 194 Thereafter 1,245 Total minimum lease payments $ 2,401

Earnings per Common Share (Deta

Earnings per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Basic and Diluted Earnings (Loss) Per Common Share
Net income (loss) available to common stockholders	$ 2	$ (50)	$ (37)	$ 92
Weighted average basic common shares outstanding	1,861	1,911	1,859	1,909
Weighted average diluted common shares outstanding	1,873	1,911	1,859	1,909
Earnings (loss) per common share - basic and diluted (in dollars per share)	$ 0	$ (0.03)	$ (0.02)	$ 0.05

Earnings per Common Share (De_2

Earnings per Common Share (Detail Textuals) - shares	9 Months Ended
Earnings per Common Share (Detail Textuals) - shares	Sep. 30, 2019	Sep. 30, 2018
Earnings Per Share [Abstract]
Stock options grants to senior management and directors	0	20,000
Restricted stock grants to senior management and directors		8,400
Grant vesting period	5 years

Investment Securities (Schedule

Investment Securities (Schedule of amortized cost and estimated fair value of securities with gross unrealized gains and losses - AFS) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 18,026	$ 18,563
Gross Unrealized Gains	18	31
Gross Unrealized Losses	(44)	(263)
Fair Value	18,000	18,331
U.S. Government and agency obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	13,610	12,610
Gross Unrealized Gains	1	7
Gross Unrealized Losses	(14)	(162)
Fair Value	13,597	12,455
Mortgage-backed securities - residential
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	4,416	5,953
Gross Unrealized Gains	17	24
Gross Unrealized Losses	(30)	(101)
Fair Value	$ 4,403	$ 5,876

Investment Securities (Schedu_2

Investment Securities (Schedule of amortized cost and estimated fair value of securities with gross unrealized gains and losses - HTM) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 6,011	$ 6,052
Gross Unrealized Gains	126	35
Gross unrealized Losses	0	(57)
Fair Value	6,137	6,030
Mortgage-backed securities - residential
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	434	458
Gross Unrealized Gains	7	6
Gross unrealized Losses	0	(1)
Fair Value	441	463
State and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	5,577	5,594
Gross Unrealized Gains	119	29
Gross unrealized Losses	0	(56)
Fair Value	$ 5,696	$ 5,567

Investment Securities (Schedu_3

Investment Securities (Schedule of amortized cost and estimated fair value by contractual maturity of debt securities - AFS) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Available-for-Sale Amortized Cost
Due in one year or less	$ 0
Due after one year through five years	10,610
Due after five years through ten years	3,000
Sub-total	13,610
Totals	18,026	$ 18,563
Fair Value Available-for-Sale
Due in one year or less	0
Due after one year through five years	10,597
Due after five years through ten years	3,000
Sub-total	13,597
Securities available for sale	18,000	18,331
Mortgage-backed securities - residential
Available-for-Sale Amortized Cost
Totals	4,416	5,953
Fair Value Available-for-Sale
Securities available for sale	$ 4,403	$ 5,876

Investment Securities (Schedu_4

Investment Securities (Schedule of amortized cost and estimated fair value by contractual maturity of debt securities - HTM) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Held-to-Maturity Amortized Cost
Due in one year or less	$ 1,563
Due after one year through five years	2,418
Due after five years through ten years	1,596
Sub-total	5,577
Securities - held-to-maturity	6,011	$ 6,052
Held-to-Maturity Fair Value
Due in one year or less	1,565
Due after one year through five years	2,446
Due after five years through ten years	1,685
Sub-total	5,696
Fair Value	6,137	6,030
Mortgage-backed securities - residential
Held-to-Maturity Amortized Cost
Securities - held-to-maturity	434	458
Held-to-Maturity Fair Value
Fair Value	$ 441	$ 463

Investment Securities (Schedu_5

Investment Securities (Schedule of continuous unrealized loss position for investment securities - AFS) (Details) $ in Thousands	Sep. 30, 2019USD ($)security	Dec. 31, 2018USD ($)security
Available-For-Sale Securities [Abstract]
Less than Twelve Months Number of individual securities \| security	2	1
Twelve Months or More Number of individual securities \| security	9	12
Total Number of Individual Securities \| security	11	13
Less than Twelve Months, unrealized losses	$ 4	$ 0
Twelve Months or More, unrealized losses	40	263
Total Unrealized Losses	44	263
Less than Twelve Months, fair value	1,139	203
Twelve Months or More, fair value	9,757	13,194
Total Fair Value	$ 10,896	$ 13,397
U.S. Government and agency obligations
Available-For-Sale Securities [Abstract]
Less than Twelve Months Number of individual securities \| security	1	0
Twelve Months or More Number of individual securities \| security	5	8
Total Number of Individual Securities \| security	6	8
Less than Twelve Months, unrealized losses	$ 4	$ 0
Twelve Months or More, unrealized losses	10	162
Total Unrealized Losses	14	162
Less than Twelve Months, fair value	1,000	0
Twelve Months or More, fair value	6,595	9,445
Total Fair Value	$ 7,595	$ 9,445
Mortgage-backed securities - residential
Available-For-Sale Securities [Abstract]
Less than Twelve Months Number of individual securities \| security	1	1
Twelve Months or More Number of individual securities \| security	4	4
Total Number of Individual Securities \| security	5	5
Less than Twelve Months, unrealized losses	$ 0	$ 0
Twelve Months or More, unrealized losses	30	101
Total Unrealized Losses	30	101
Less than Twelve Months, fair value	139	203
Twelve Months or More, fair value	3,162	3,749
Total Fair Value	$ 3,301	$ 3,952

Investment Securities (Schedu_6

Investment Securities (Schedule of continuous unrealized loss position for investment securities - HTM) (Details) $ in Thousands		Sep. 30, 2019USD ($)security	Dec. 31, 2018USD ($)security
Held-to-maturity Securities [Abstract]
Less than Twelve Months Number of individual securities \| security		1	3
Twelve Months or More Number of individual securities \| security		0	16
Total Number of Individual Securities \| security		1	19
Less than Twelve Months, Unrealized Losses		$ 0	$ 4
Twelve Months or More, Unrealized Losses		0	53
Total Unrealized Losses		0	57
Less than Twelve Months, Fair Value		340	1,039
Twelve Months or More, Fair Value		0	3,186
Fair Value		$ 340	$ 4,225
Mortgage-backed securities - residential
Held-to-maturity Securities [Abstract]
Less than Twelve Months Number of individual securities \| security	[1]	0	0
Twelve Months or More Number of individual securities \| security	[1]	0	1
Total Number of Individual Securities \| security	[1]	0	1
Less than Twelve Months, Unrealized Losses	[1]	$ 0	$ 0
Twelve Months or More, Unrealized Losses	[1]	0	1
Total Unrealized Losses	[1]	0	1
Less than Twelve Months, Fair Value	[1]	0	0
Twelve Months or More, Fair Value	[1]	0	165
Fair Value	[1]	$ 0	$ 165
State and political subdivisions
Held-to-maturity Securities [Abstract]
Less than Twelve Months Number of individual securities \| security		1	3
Twelve Months or More Number of individual securities \| security		0	15
Total Number of Individual Securities \| security		1	18
Less than Twelve Months, Unrealized Losses		$ 0	$ 4
Twelve Months or More, Unrealized Losses		0	52
Total Unrealized Losses		0	56
Less than Twelve Months, Fair Value		340	1,039
Twelve Months or More, Fair Value		0	3,021
Fair Value		$ 340	$ 4,060

[1]	Aggregate unrealized loss position of these securities is less than $500.

Investment Securities (Detail T

Investment Securities (Detail Textuals) $ in Thousands	Sep. 30, 2019USD ($)security	Dec. 31, 2018USD ($)security
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Number of securities in unrealized loss position	12	32
Number of securities in unrealized loss position in for less than twelve months	3	4
Number of securities in unrealized loss position in for greater than twelve months	9	28
Aggregate unrealized loss position of the securities \| $	$ 340	$ 4,225
Maximum
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Aggregate unrealized loss position of the securities \| $	$ 500	500
Mortgage-backed securities - residential
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Number of securities in unrealized loss position in for less than twelve months	2
State and political subdivisions
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Aggregate unrealized loss position of the securities \| $	$ 340	$ 4,060

Loans (Major classifications of

Loans (Major classifications of loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 278,484		$ 283,339	$ 280,572
Net deferred loan origination costs	(37)		(37)
Less: Allowance for loan losses	(1,736)	$ (1,661)	(1,561)	(1,486)	$ (1,411)	$ (1,261)
Loans receivable, net	276,711		281,741
Real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	271,141		275,999
Real estate loans \| Secured by one-to-four family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	215,400		221,602	219,841
Less: Allowance for loan losses	(825)	(805)	(866)	(888)	(803)	(816)
Real estate loans \| Secured by multi-family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	10,973		10,241	10,337
Less: Allowance for loan losses	(82)	(74)	(77)	(78)	(78)	(80)
Real estate loans \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	5,706		4,898	6,277
Less: Allowance for loan losses	(29)	(20)	(24)	(31)	(33)	(54)
Real estate loans \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	21,961		22,492	21,650
Less: Allowance for loan losses	(480)	(482)	(284)	(264)	(211)	(148)
Real estate loans \| Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	17,101		16,766	17,012
Less: Allowance for loan losses	(102)	(105)	(103)	(104)	(103)	(107)
Other Loan Portfolio Segment \| Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	7,296		7,290	5,399
Less: Allowance for loan losses	(124)	(125)	(97)	(73)	(54)	(47)
Other Loan Portfolio Segment \| Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	47		50	56
Less: Allowance for loan losses	$ (94)	$ (50)	$ (110)	$ (48)	$ (129)	$ (9)

Loans (Risk category of loans b

Loans (Risk category of loans by class) (Details 1) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 278,484	$ 283,339	$ 280,572
Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	273,373	278,534
Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	911	1,425
Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	4,200	3,380
Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	271,141	275,999
Real estate loans \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	266,105	271,239
Real estate loans \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	881	1,425
Real estate loans \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	4,155	3,335
Real estate loans \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans \| Secured by one-to-four family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	215,400	221,602	219,841
Real estate loans \| Secured by one-to-four family residences \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	212,434	218,222
Real estate loans \| Secured by one-to-four family residences \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	184	494
Real estate loans \| Secured by one-to-four family residences \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	2,782	2,886
Real estate loans \| Secured by one-to-four family residences \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans \| Secured by multi-family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	10,973	10,241	10,337
Real estate loans \| Secured by multi-family residences \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	10,973	10,241
Real estate loans \| Secured by multi-family residences \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans \| Secured by multi-family residences \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans \| Secured by multi-family residences \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	5,706	4,898	6,277
Real estate loans \| Construction \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	5,706	4,898
Real estate loans \| Construction \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans \| Construction \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans \| Construction \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	21,961	22,492	21,650
Real estate loans \| Commercial real estate \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	20,061	21,313
Real estate loans \| Commercial real estate \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	697	931
Real estate loans \| Commercial real estate \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,203	248
Real estate loans \| Commercial real estate \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans \| Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	17,101	16,766	17,012
Real estate loans \| Home equity lines of credit \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	16,931	16,565
Real estate loans \| Home equity lines of credit \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Real estate loans \| Home equity lines of credit \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	170	201
Real estate loans \| Home equity lines of credit \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Other Loan Portfolio Segment \| Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	7,296	7,290	5,399
Other Loan Portfolio Segment \| Commercial and industrial loans \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	7,221	7,245
Other Loan Portfolio Segment \| Commercial and industrial loans \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	30	0
Other Loan Portfolio Segment \| Commercial and industrial loans \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	45	45
Other Loan Portfolio Segment \| Commercial and industrial loans \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Other Loan Portfolio Segment \| Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	47	50	$ 56
Other Loan Portfolio Segment \| Other loans \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	47	50
Other Loan Portfolio Segment \| Other loans \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Other Loan Portfolio Segment \| Other loans \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Other Loan Portfolio Segment \| Other loans \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 0	$ 0

Loans (Analysis of the age of t

Loans (Analysis of the age of the loan delinquencies by type and by amount past due) (Details 2) - USD ($)	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 3,232,000	$ 1,071,000
Current	275,252,000	282,268,000
Loans	278,484,000	283,339,000	$ 280,572,000
30-59 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	412,000	622,000
60-89 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,472,000	349,000
90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	348,000	100,000
Real estate loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,157,000	1,026,000
Current	267,984,000	274,973,000
Loans	271,141,000	275,999,000
Real estate loans \| 30-59 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	382,000	622,000
Real estate loans \| 60-89 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,472,000	349,000
Real estate loans \| 90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	303,000	55,000
Real estate loans \| Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	5,706,000	4,898,000
Loans	5,706,000	4,898,000	6,277,000
Real estate loans \| Construction \| 30-59 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Real estate loans \| Construction \| 60-89 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Real estate loans \| Construction \| 90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Real estate loans \| Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,901,000	248,000
Current	20,060,000	22,244,000
Loans	21,961,000	22,492,000	21,650,000
Real estate loans \| Commercial real estate \| 30-59 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	248,000
Real estate loans \| Commercial real estate \| 60-89 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,653,000	0
Real estate loans \| Commercial real estate \| 90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	248,000	0
Real estate loans \| Home equity lines of credit
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	50,000	147,000
Current	17,051,000	16,619,000
Loans	17,101,000	16,766,000	17,012,000
Real estate loans \| Home equity lines of credit \| 30-59 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	50,000	147,000
Real estate loans \| Home equity lines of credit \| 60-89 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Real estate loans \| Home equity lines of credit \| 90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Real estate loans \| Secured by multi-family residences
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	10,973,000	10,241,000
Loans	10,973,000	10,241,000	10,337,000
Real estate loans \| Secured by multi-family residences \| 30-59 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Real estate loans \| Secured by multi-family residences \| 60-89 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Real estate loans \| Secured by multi-family residences \| 90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Real estate loans \| Secured by one-to-four family residences
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,206,000	631,000
Current	214,194,000	220,971,000
Loans	215,400,000	221,602,000	219,841,000
Real estate loans \| Secured by one-to-four family residences \| 30-59 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	332,000	227,000
Real estate loans \| Secured by one-to-four family residences \| 60-89 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	819,000	349,000
Real estate loans \| Secured by one-to-four family residences \| 90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	55,000	55,000
Other Loan Portfolio Segment \| Commercial and industrial loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	75,000	45,000
Current	7,221,000	7,245,000
Loans	7,296,000	7,290,000	5,399,000
Other Loan Portfolio Segment \| Commercial and industrial loans \| 30-59 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	30,000	0
Other Loan Portfolio Segment \| Commercial and industrial loans \| 60-89 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Other Loan Portfolio Segment \| Commercial and industrial loans \| 90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	45,000	45,000
Other Loan Portfolio Segment \| Other loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	47,000	50,000
Loans	47,000	50,000	$ 56,000
Other Loan Portfolio Segment \| Other loans \| 30-59 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Other Loan Portfolio Segment \| Other loans \| 60-89 Days Past Due And Accruing
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Other Loan Portfolio Segment \| Other loans \| 90 Days and Over
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 0	$ 0

Loans (Nonaccrual loans) (Detai

Loans (Nonaccrual loans) (Details 3) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Residential mortgage loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual loans	$ 55	$ 55
Residential mortgage loans \| Secured by one-to-four family residences
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual loans	55	55
Commercial loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual loans	989	45
Commercial loans \| Real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual loans	944	0
Commercial loans \| Commercial and industrial loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual loans	45	45
Consumer loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual loans	1,044	100
Consumer loans \| Home equity lines of credit
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual loans	$ 0	$ 0

Loan -Impaired loans informatio

Loan -Impaired loans information by portfolio class (Details 4) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
LoansWithSpecificValuationAllowanceAbstract
Impaired Financing Receivable, with Related Allowance, Recorded Investment	$ 989	$ 0
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	989	0
Impaired Financing Receivable, Related Allowance	210	0
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	995	0
Commercial real estate
LoansWithSpecificValuationAllowanceAbstract
Impaired Financing Receivable, with Related Allowance, Recorded Investment	944	0
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	944	0
Impaired Financing Receivable, Related Allowance	180	0
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	950	0
Commercial and industrial loans
LoansWithSpecificValuationAllowanceAbstract
Impaired Financing Receivable, with Related Allowance, Recorded Investment	45	0
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	45	0
Impaired Financing Receivable, Related Allowance	30	0
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	$ 45	$ 0

Loans (Detail Textuals)

Loans (Detail Textuals)	9 Months Ended	12 Months Ended
Loans (Detail Textuals)	Sep. 30, 2019USD ($)loan	Dec. 31, 2018USD ($)loan	Sep. 30, 2018USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 278,484,000	$ 283,339,000	$ 280,572,000
Loans serviced for others	115,700,000	123,800,000
Total Past Due	$ 3,232,000	$ 1,071,000
Residential mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of nonaccrual loans \| loan	1	2
Financing receivable, recorded Investment, nonaccrual status	$ 55,000	$ 55,000
Carrying value of loans pledged as collateral	$ 196,200,000	201,900,000
Number of loans newly categorized \| loan	2
Other Assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Fair value of mortgage servicing rights	$ 722,000	812,000
Real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	271,141,000	$ 275,999,000
Financing Receivable, Modifications, Number of Contracts \| loan		1
Mortgage Loans on Real Estate, Foreclosures	55,000	$ 55,000
Total Past Due	3,157,000	1,026,000
Real estate loans \| Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	17,101,000	16,766,000	17,012,000
Total Past Due	50,000	147,000
Real estate loans \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	5,706,000	4,898,000	6,277,000
Total Past Due	0	0
Real estate loans \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 21,961,000	22,492,000	21,650,000
Financing Receivable, Modifications, Number of Contracts \| loan	1
Mortgage Loans on Real Estate, Foreclosures	$ 248,000
Total Past Due	1,901,000	248,000
Real estate loans \| Secured by one-to-four family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	215,400,000	221,602,000	219,841,000
Total Past Due	1,206,000	631,000
Real estate loans \| Secured by multi-family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	10,973,000	10,241,000	10,337,000
Total Past Due	0	0
Other Loan Portfolio Segment \| Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	7,296,000	7,290,000	5,399,000
Total Past Due	75,000	45,000
Other Loan Portfolio Segment \| Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	47,000	50,000	$ 56,000
Total Past Due	0	0
Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	4,200,000	3,380,000
Substandard \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of loan increased	$ 955,000
Percentage of loan Increased	385.10%
Substandard \| Real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 4,155,000	3,335,000
Substandard \| Real estate loans \| Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	170,000	201,000
Substandard \| Real estate loans \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Substandard \| Real estate loans \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 1,203,000	248,000
Number of loans newly categorized \| loan	1
Substandard \| Real estate loans \| Secured by one-to-four family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 2,782,000	2,886,000
Amount of loan decreased	$ 234,000
Percentage of loan decreased	25.10%
Substandard \| Real estate loans \| Secured by multi-family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 0	0
Substandard \| Other Loan Portfolio Segment \| Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	45,000	45,000
Substandard \| Other Loan Portfolio Segment \| Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 911,000	1,425,000
Special Mention \| Residential mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans newly categorized \| loan	2
Special Mention \| Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of loan increased	$ 30,000
Special Mention \| Real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	881,000	1,425,000
Special Mention \| Real estate loans \| Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Special Mention \| Real estate loans \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
Special Mention \| Real estate loans \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 697,000	931,000
Number of loans newly categorized \| loan	1
Special Mention \| Real estate loans \| Secured by one-to-four family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 184,000	494,000
Amount of loan decreased	$ 310,000
Percentage of loan decreased	62.80%
Special Mention \| Real estate loans \| Secured by multi-family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 0	0
Special Mention \| Other Loan Portfolio Segment \| Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	30,000	0
Special Mention \| Other Loan Portfolio Segment \| Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	0	0
30-59 Days Past Due And Accruing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 412,000	622,000
30-59 Days Past Due And Accruing \| Residential mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Additional number of loans \| loan	3
Number of Loans partially payoffs offset \| loan	2
30-59 Days Past Due And Accruing \| Real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 382,000	622,000
30-59 Days Past Due And Accruing \| Real estate loans \| Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of loan decreased	$ 97,000
Percentage of loan decreased	66.00%
Total Past Due	$ 50,000	147,000
30-59 Days Past Due And Accruing \| Real estate loans \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
30-59 Days Past Due And Accruing \| Real estate loans \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	248,000
30-59 Days Past Due And Accruing \| Real estate loans \| Secured by one-to-four family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of loan increased	$ 105,000
Percentage of loan Increased	46.30%
Total Past Due	$ 332,000	227,000
30-59 Days Past Due And Accruing \| Real estate loans \| Secured by multi-family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
30-59 Days Past Due And Accruing \| Other Loan Portfolio Segment \| Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of loan increased	30,000
Total Past Due	30,000	0
30-59 Days Past Due And Accruing \| Other Loan Portfolio Segment \| Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
60-89 Days Past Due And Accruing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 2,472,000	349,000
60-89 Days Past Due And Accruing \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Additional number of loans \| loan	2
60-89 Days Past Due And Accruing \| Real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 2,472,000	349,000
60-89 Days Past Due And Accruing \| Real estate loans \| Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
60-89 Days Past Due And Accruing \| Real estate loans \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
60-89 Days Past Due And Accruing \| Real estate loans \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of loan increased	1,700,000
Total Past Due	1,653,000	0
60-89 Days Past Due And Accruing \| Real estate loans \| Secured by one-to-four family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of loan increased	$ 470,000
Percentage of loan Increased	134.70%
Total Past Due	$ 819,000	349,000
60-89 Days Past Due And Accruing \| Real estate loans \| Secured by multi-family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 0	0
60-89 Days Past Due And Accruing \| Other Loan Portfolio Segment \| Residential mortgage loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Additional number of loans \| loan	2
Number of Loans partially payoffs offset \| loan	2
60-89 Days Past Due And Accruing \| Other Loan Portfolio Segment \| Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 0	0
60-89 Days Past Due And Accruing \| Other Loan Portfolio Segment \| Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
90 Days and Over
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 348,000	100,000
90 Days and Over \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Additional number of loans \| loan	1
90 Days and Over \| Real estate loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 303,000	55,000
90 Days and Over \| Real estate loans \| Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
90 Days and Over \| Real estate loans \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
90 Days and Over \| Real estate loans \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of loan increased	248,000
Total Past Due	248,000	0
90 Days and Over \| Real estate loans \| Secured by one-to-four family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	55,000	55,000
90 Days and Over \| Real estate loans \| Secured by multi-family residences
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	0	0
90 Days and Over \| Other Loan Portfolio Segment \| Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	45,000	45,000
90 Days and Over \| Other Loan Portfolio Segment \| Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Past Due	$ 0	$ 0

Allowance for Loan Losses and_3

Allowance for Loan Losses and Foreclosed Real Estate - Allowance for loan losses allocated by loan class and the activity (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Allowance for loan losses:
Beginning Balance	$ 1,661	$ 1,411	$ 1,561	$ 1,261
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (Credits)	75	75	175	225
Ending balance	1,736	1,486	1,736	1,486
Ending balance: related to loans individually evaluated for impairment	210	0	210	0
Ending balance: related to loans collectively evaluated for impairment	1,526	1,486	1,526	1,486
Loans receivables:
Ending balance	278,484	280,572	278,484	280,572
Ending balance: related to loans individually evaluated for impairment	989	0	989	0
Ending balance: related to loans collectively evaluated for impairment	277,495	280,572	277,495	280,572
Real estate loans
Loans receivables:
Ending balance	271,141		271,141
Real estate loans \| Secured by one-to-four family residences
Allowance for loan losses:
Beginning Balance	805	803	866	816
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (Credits)	20	85	(41)	72
Ending balance	825	888	825	888
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	825	888	825	888
Loans receivables:
Ending balance	215,400	219,841	215,400	219,841
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	215,400	219,841	215,400	219,841
Real estate loans \| Secured by multi-family residences
Allowance for loan losses:
Beginning Balance	74	78	77	80
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (Credits)	8	0	5	(2)
Ending balance	82	78	82	78
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	82	78	82	78
Loans receivables:
Ending balance	10,973	10,337	10,973	10,337
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	10,973	10,337	10,973	10,337
Real estate loans \| Construction
Allowance for loan losses:
Beginning Balance	20	33	24	54
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (Credits)	9	(2)	5	(23)
Ending balance	29	31	29	31
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	29	31	29	31
Loans receivables:
Ending balance	5,706	6,277	5,706	6,277
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	5,706	6,277	5,706	6,277
Real estate loans \| Commercial real estate
Allowance for loan losses:
Beginning Balance	482	211	284	148
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (Credits)	(2)	53	196	116
Ending balance	480	264	480	264
Ending balance: related to loans individually evaluated for impairment	180	0	180	0
Ending balance: related to loans collectively evaluated for impairment	300	264	300	264
Loans receivables:
Ending balance	21,961	21,650	21,961	21,650
Ending balance: related to loans individually evaluated for impairment	944	0	944	0
Ending balance: related to loans collectively evaluated for impairment	21,017	21,650	21,017	21,650
Real estate loans \| Home equity lines of credit
Allowance for loan losses:
Beginning Balance	105	103	103	107
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (Credits)	(3)	1	(1)	(3)
Ending balance	102	104	102	104
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	102	104	102	104
Loans receivables:
Ending balance	17,101	17,012	17,101	17,012
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	17,101	17,012	17,101	17,012
Other Loan Portfolio Segment \| Commercial and industrial loans
Allowance for loan losses:
Beginning Balance	125	54	97	47
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (Credits)	(1)	19	27	26
Ending balance	124	73	124	73
Ending balance: related to loans individually evaluated for impairment	30	0	30	0
Ending balance: related to loans collectively evaluated for impairment	94	73	94	73
Loans receivables:
Ending balance	7,296	5,399	7,296	5,399
Ending balance: related to loans individually evaluated for impairment	45	0	45	0
Ending balance: related to loans collectively evaluated for impairment	7,251	5,399	7,251	5,399
Other Loan Portfolio Segment \| Other loans
Allowance for loan losses:
Beginning Balance	50	129	110	9
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (Credits)	44	(81)	(16)	39
Ending balance	94	48	94	48
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	94	48	94	48
Loans receivables:
Ending balance	47	56	47	56
Ending balance: related to loans individually evaluated for impairment	0	0	0	0
Ending balance: related to loans collectively evaluated for impairment	$ 47	$ 56	$ 47	$ 56

Allowance for Loan Losses and_4

Allowance for Loan Losses and Foreclosed Real Estate (Detail Textuals) - Real estate loans	9 Months Ended	12 Months Ended
	Sep. 30, 2019USD ($)loan	Dec. 31, 2018USD ($)loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans \| loan		1
Value of loan in process of foreclosure \| $	$ 55,000	$ 55,000
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans \| loan	1
Value of loan in process of foreclosure \| $	$ 248,000

Fair Value Measurements (Fair v

Fair Value Measurements (Fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Available-for-Sale Portfolio
Securities available for sale	$ 18,000	$ 18,331
Mortgage-backed securities - residential
Available-for-Sale Portfolio
Securities available for sale	4,403	5,876
Fair Value, Measurements, Recurring
Available-for-Sale Portfolio
Securities available for sale	18,000	18,331
Fair Value, Measurements, Recurring \| U.S. Government and agency obligations
Available-for-Sale Portfolio
Securities available for sale	13,597	12,455
Fair Value, Measurements, Recurring \| Mortgage-backed securities - residential
Available-for-Sale Portfolio
Securities available for sale	4,403	5,876
Fair Value, Measurements, Recurring \| Level 1
Available-for-Sale Portfolio
Securities available for sale	0	0
Fair Value, Measurements, Recurring \| Level 1 \| U.S. Government and agency obligations
Available-for-Sale Portfolio
Securities available for sale	0	0
Fair Value, Measurements, Recurring \| Level 1 \| Mortgage-backed securities - residential
Available-for-Sale Portfolio
Securities available for sale	0	0
Fair Value, Measurements, Recurring \| Level 2
Available-for-Sale Portfolio
Securities available for sale	18,000	18,331
Fair Value, Measurements, Recurring \| Level 2 \| U.S. Government and agency obligations
Available-for-Sale Portfolio
Securities available for sale	13,597	12,455
Fair Value, Measurements, Recurring \| Level 2 \| Mortgage-backed securities - residential
Available-for-Sale Portfolio
Securities available for sale	4,403	5,876
Fair Value, Measurements, Recurring \| Level 3
Available-for-Sale Portfolio
Securities available for sale	0	0
Fair Value, Measurements, Recurring \| Level 3 \| U.S. Government and agency obligations
Available-for-Sale Portfolio
Securities available for sale	0	0
Fair Value, Measurements, Recurring \| Level 3 \| Mortgage-backed securities - residential
Available-for-Sale Portfolio
Securities available for sale	0	0
Fair Value
Available-for-Sale Portfolio
Securities available for sale	$ 18,000	$ 18,331

Fair Value Measurements (Fair_2

Fair Value Measurements (Fair value on a nonrecurring basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	$ 4,469	$ 2,133
Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	0	0
Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	3,690	2,133
Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	779	0
Impaired loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	779	0
Impaired loans \| Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	0	0
Impaired loans \| Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	0	0
Impaired loans \| Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	779	0
Loans held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	3,690	2,133
Loans held for sale \| Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	0	0
Loans held for sale \| Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	3,690	2,133
Loans held for sale \| Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	$ 0	$ 0

Fair Value Measurements (Additi

Fair Value Measurements (Additional quantitative informatiom ) (Details) - Level 3	Sep. 30, 2019
Sales Approach \| Cost to Sell \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	6.1
Sales Approach \| Cost to Sell \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	50.7
Sales Approach \| Cost to Sell \| Weighted average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	19
Impaired loans \| Appraisal of collateral \| Appraisal Adjustment \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	23.6
Impaired loans \| Appraisal of collateral \| Appraisal Adjustment \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	28.9
Impaired loans \| Appraisal of collateral \| Appraisal Adjustment \| Weighted average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans	27.3

Fair Value Measurements (Carryi

Fair Value Measurements (Carrying amounts and estimated fair values of the financial instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Financial assets:
Interest earning demand deposits	$ 3,731	$ 4,710
Fair Value	18,000	18,331
Securities - held-to-maturity	6,011	6,052
Loans, net	4,469	2,133
Carrying Amount
Financial assets:
Cash and due from banks	1,485	1,581
Interest earning demand deposits	3,731	4,710
Fair Value	18,000	18,331
Securities - held-to-maturity	6,011	6,052
Investment in restricted stock	2,961	3,637
Loans held for sale	3,690	2,133
Loans, net	276,711	281,741
Accrued interest receivable	912	876
Financial liabilities:
Demand Deposits, Savings, NOW and MMDA	96,799	98,681
Time Deposits	136,084	123,934
Borrowings	56,262	71,826
Accrued interest payable	119	168
Fair Value
Financial assets:
Cash and due from banks	1,485	1,581
Interest earning demand deposits	3,731	4,710
Fair Value	18,000	18,331
Securities - held-to-maturity	6,137	6,030
Investment in restricted stock	2,961	3,637
Loans held for sale	3,690	2,133
Loans, net	287,796	280,173
Accrued interest receivable	912	876
Financial liabilities:
Demand Deposits, Savings, NOW and MMDA	96,799	98,681
Time Deposits	136,367	124,182
Borrowings	57,084	71,086
Accrued interest payable	$ 119	$ 168

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Schedule of accumulated other comprehensive income (loss)) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Unrealized Gains and Losses on Available-for-Sale Securities, Beginning balance	$ (41)	$ (262)	$ (183)	$ (165)
Unrealized Gains and Losses on Available-for-Sale Securities, Other comprehensive (loss) income	21	(20)	163	(117)
Unrealized Gains and Losses on Available-for-Sale Securities, Ending balance	(20)	(282)	(20)	(282)
Accumulated Other Comprehensive Income (Loss), Net of Tax, Beginning Balance	(41)	(262)	(183)	(165)
Other comprehensive (loss) income	21	(20)	163	(117)
Accumulated Other Comprehensive Income (Loss), Net of Tax, Ending Balance	$ (20)	$ (282)	$ (20)	$ (282)

Other Income (Details)

Other Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Other Income (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Mortgage fee income and realized gain on sales of loans
Commercial loan fees	$ 33	$ 49	$ 62	$ 81
Loan servicing income	74	75	225	245
Realized gain on sales of residential mortgage loans	278	461	620	1,051
Realized gain on sale of SBA loan			0	47
Total mortgage fee income and realized gain on sales of loans	451	679	1,063	1,686
Bank Owned Life Insurance Income	15	16	45	46
Other miscellaneous income	0	1	0	19
Noninterest Income	554	816	1,352	2,099
Service fees
Mortgage fee income and realized gain on sales of loans
Other income including Service fees and Fee income	38	38	104	107
Deposit related fees
Mortgage fee income and realized gain on sales of loans
Other income including Service fees and Fee income	18	18	49	45
Insufficient funds fee
Mortgage fee income and realized gain on sales of loans
Other income including Service fees and Fee income	20	20	55	62
Fee income
Mortgage fee income and realized gain on sales of loans
Other income including Service fees and Fee income	4	36	14	109
Securities commission income
Mortgage fee income and realized gain on sales of loans
Other income including Service fees and Fee income	2	9	6	36
Insurance commission income
Mortgage fee income and realized gain on sales of loans
Other income including Service fees and Fee income	2	27	8	73
Card income
Mortgage fee income and realized gain on sales of loans
Other income including Service fees and Fee income	46	46	126	132
Debit card interchange fee income
Mortgage fee income and realized gain on sales of loans
Other income including Service fees and Fee income	38	37	103	108
ATM fees
Mortgage fee income and realized gain on sales of loans
Other income including Service fees and Fee income	8	9	23	24
Residential mortgage loan origination fees
Mortgage fee income and realized gain on sales of loans
Other income including Service fees and Fee income	$ 66	$ 94	$ 156	$ 262

Stock-Based Compensation (Detai

Stock-Based Compensation (Details) - $ / shares	9 Months Ended
Stock-Based Compensation (Details) - $ / shares	Sep. 30, 2019	Sep. 30, 2018
Options
Outstanding at beginning of year	172,080	152,080
Grants	0	20,000
Exercised	0	0
Outstanding at quarter end	172,080	172,080
Exercisable at quarter end	34,416	0
Weighted Average Exercise Price Per Share
Outstanding at beginning of year	$ 16.82	$ 16.72
Grants	0	17.58
Exercised	0	0
Outstanding at quarter end	16.82	16.82
Exercisable at quarter end	$ 16.82	$ 0

Stock-Based Compensation (Det_2

Stock-Based Compensation (Detail Textuals) - USD ($)	3 Months Ended		9 Months Ended
Stock-Based Compensation (Detail Textuals) - USD ($)	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share based payment award, vesting period			5 years
Compensation expense	$ 76,000	$ 79,000	$ 228,000	$ 231,000

Leases (Details)

Leases (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2019
Leases [Abstract]
Operating lease cost	$ 97	$ 291
Short-term lease cost	17	52
Lease, Cost, Total	$ 114	$ 343

Leases (Details 1)

Leases (Details 1) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
Leases (Details 1) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2019
Lessee, Lease, Description [Line Items]
Operating Lease, Cost	$ 97	$ 291
Accounting Standards Update 2016-02
Lessee, Lease, Description [Line Items]
Operating Lease, Cost		$ 291

Leases (Details 2)

Leases (Details 2) - USD ($) $ in Thousands	Sep. 30, 2019	Jan. 01, 2019
Lessee, Lease, Description [Line Items]
Operating lease right-of-use assets	$ 2,199
Operating lease liabilities	2,401
Accounting Standards Update 2016-02
Lessee, Lease, Description [Line Items]
Operating lease right-of-use assets	2,199	$ 2,300
Operating lease liabilities	$ 2,401	$ 2,600
Operating Leases	8 years 9 months 18 days
Operating Leases	3.52%

Leases (Details 3)

Leases (Details 3) - Accounting Standards Update 2016-02 $ in Thousands	Sep. 30, 2019USD ($)
Lessee, Lease, Description [Line Items]
2019	$ 79
2020	318
2021	313
2022	252
2023	194
Thereafter	1,245
Total	$ 2,401

Leases (Detail Textuals)

Leases (Detail Textuals) - USD ($) $ in Thousands	9 Months Ended
Leases (Detail Textuals) - USD ($) $ in Thousands	Sep. 30, 2019	Jan. 01, 2019
Lessee, Lease, Description [Line Items]
Operating lease right-of-use assets	$ 2,199
Operating lease liabilities include corresponding liability	2,401
Accounting Standards Update 2016-02
Lessee, Lease, Description [Line Items]
Operating lease right-of-use assets	2,199	$ 2,300
Operating lease liabilities include corresponding liability	$ 2,401	$ 2,600
Description of operating lease option to extend	Our leases have remaining lease terms that vary from less than one year up to 12 years, some of which include options to extend the leases for various renewal periods.