Generations Bancorp NY (GBNY) 10-Q 12 May 21 2021 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2021	May 12, 2021
Document and Entity Information [Abstract]
Document Type	10-Q
Document Period End Date	Mar. 31, 2021
Entity Registrant Name	Generations Bancorp NY, Inc.
Title of 12(b) Security	Common Stock
Trading Symbol	GBNY
Security Exchange Name	NASDAQ
Entity Current Reporting Status	No
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	true
Entity Ex Transition Period	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		2,551,940
Entity Central Index Key	0001823365
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q1
Amendment Flag	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
ASSETS:
Cash and due from banks	$ 3,517	$ 4,168
Interest earning deposits	21,455	22,662
Total cash and cash equivalents	24,972	26,830
Investment securities available-for-sale, at fair value	32,774	17,926
Investment securities held-to-maturity (fair value 2021-$1,424, 2020-$1,510)	1,390	1,480
Equity investment securities, at fair value	309	661
Federal Home Loan Bank stock, at cost	1,868	1,992
Loans	284,248	287,461
Less: Allowance for loan losses	1,881	1,821
Loans receivable, net	282,367	285,640
Premises and equipment, net	16,640	16,743
Bank-owned life insurance	7,809	7,777
Pension plan asset	9,329	8,720
Foreclosed real estate & repossessed assets	45	45
Goodwill	792	792
Intangible assets, net	832	848
Accrued interest receivable	1,299	1,179
Other assets	1,514	2,381
Total assets	381,940	373,014
Deposits:
Noninterest-bearing	56,876	65,673
Interest-bearing	254,068	243,873
Total deposits	310,944	309,546
Long-term borrowings	25,307	27,628
Subordinated debt		1,235
Advances from borrowers for taxes and insurance	1,773	2,595
Other liabilities	1,969	2,124
Total liabilities	339,993	343,128
Shareholders' equity:
Preferred stock, par value $0.01; 1,000,000 shares authorized; none issued
Common stock, par value $0.01; 9,000,000 shares authorized; 2,551,940 shares issued in 2021 and 2020; 2,463,507 and 2,467,507 shares outstanding in 2021 and 2020	26	26
Additional paid in capital	24,468	11,954
Retained earnings	20,609	20,256
Accumulated other comprehensive loss	(1,405)	(1,415)
Treasury stock, at cost; 84,433 shares in 2020		(614)
Stock held in rabbi trust	(627)	(290)
Unearned ESOP shares, at cost	(1,124)	(31)
Total shareholders' equity	41,947	29,886
Total liabilities and shareholders' equity	$ 381,940	$ 373,014

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parentheticals) $ in Thousands		Mar. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares
Condensed Consolidated Statements of Financial Condition
Investment securities held-to-maturity, fair value | $		$ 1,424	$ 1,510
Preferred Stock, Par or Stated Value Per Share | $ / shares		$ 0.01	$ 0.01
Preferred Stock, Shares Authorized		1,000,000	1,000,000
Preferred Stock, Shares Issued		0	0
Common Stock, Par or Stated Value Per Share | $ / shares		$ 0.01	$ 0.01
Common Stock, Shares Authorized		14,000,000	9,000,000	[1]
Common Stock, Shares, Issued		2,458,401	2,546,836	[1]
Common Stock, Shares, Outstanding		2,458,401	2,458,580	[1]
Treasury Stock, Shares	[1]		88,256
Exchange ratio of shares		0.9980
[1]	Shares amounts related to the periods prior to the January 13, 2021 closing of the conversion offering have been restated to give retroactive recognition to the .9980 exchange ratio applied in the conversion offering (see Note 1).

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Interest and dividend income:
Loans, including fees	$ 3,109	$ 2,972
Debt and equity securities:
Taxable	84	25
Tax-exempt	101	247
Interest-earning deposits	4	10
Other	23	38
Total interest income	3,321	3,292
Interest expense:
Deposits	347	655
Short-term borrowings		2
Long-term borrowings	122	154
Subordinated debt	9	14
Total interest expense	478	825
Net interest income	2,843	2,467
Provision for loan losses	135	90
Net interest income after provision for loan losses	2,708	2,377
Noninterest income:
Banking fees and service charges	374	390
Mortgage banking income, net	13	12
Insurance commissions	174	216
Investment services commissions		57
Earnings on bank-owned life insurance	32	33
Unrealized gains (losses) on equity securities	(15)	(248)
Other charges, commissions & fees	34	25
Total noninterest income	612	485
Noninterest expense:
Compensation and benefits	1,259	1,504
Occupancy and equipment	520	528
Service charges	503	481
Regulatory assessments	95	65
Professional and other services	139	142
Advertising	108	108
Other expenses	264	300
Total noninterest expenses	2,888	3,128
Income before income tax benefit	432	(266)
Benefit for income taxes	79	(276)
Net income	353	10
Net income available to common shareholders	$ 353	$ 10
Basic and diluted earnings per common share	$ 0.15

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Condensed Consolidated Statements of Comprehensive Income
Net income (loss)	$ 353	$ 10
Unrealized gains on securities available-for-sale:
Unrealized holding (losses) gains arising during the period	(16)	426
Net unrealized (losses) gains on securities available-for-sale	(16)	426
Defined benefit pension plan:
Reclassification of amortization of net losses recognized in net pension expense	29	34
Net change in defined benefit pension plan asset	29	34
Other comprehensive income before tax	13	460
Tax effect	(3)	(97)
Other comprehensive income net of tax	10	363
Total comprehensive income	$ 363	$ 373

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Changes in Shareholders’ Equity - USD ($) $ in Thousands	Common Stock	Additional Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Treasury Stock	Unearned ESOP Shares	Stock Held by Rabbi Trust	Total
Beginning balance at Dec. 31, 2019	$ 26	$ 11,962	$ 18,571	$ (1,662)	$ (573)	$ (93)		$ 28,231
Increase (decrease) in stockholders' equity
Net income (loss)			10					10
Other comprehensive income				363				363
Repurchase of common stock					(42)			(42)
ESOP shares committed to be released		5				15		20
Ending balance at Mar. 31, 2020	26	11,967	18,581	(1,299)	(615)	(78)		28,582
Beginning balance at Dec. 31, 2020	26	11,954	20,256	(1,415)	(614)	(31)	$ (290)	29,886
Increase (decrease) in stockholders' equity
Net income (loss)			353					353
Proceeds from issuance of 2,458,500 shares		13,128				(1,104)		12,024
Cancel of Treasure Shares		(614)			$ 614
Other comprehensive income				10				10
Purchase of common stock for SERPs							(337)	(337)
ESOP shares committed to be released						11		11
Ending balance at Mar. 31, 2021	$ 26	$ 24,468	$ 20,609	$ (1,405)		$ (1,124)	$ (627)	$ 41,947

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Changes in Shareholders’ Equity (Parentheticals) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Number of common stocks sold	1,477,575
Offering cost	$ 1,650
ESOP shares committed to be released (in shares)	1,126	6,221
Seneca-Cayuga Bancorp, Inc. (the “Holding Company”)
Number of common stocks sold	109,450

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
OPERATING ACTIVITIES
Net income (loss)	$ 353	$ 10
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Provision for loan losses	135	90
Deferred income tax benefit	79	(276)
Equity securities	15	248
Write-down of other real estate owned to fair value		5
Depreciation	259	266
Amortization of intangible asset	16	16
Amortization of fair value adjustment to purchased loan portfolio	(17)	(17)
ESOP expense	11	20
Amortization of deferred loan costs	26	29
Earnings on bank-owned life insurance	(32)	(33)
Change in pension plan assets	(580)	(432)
Net amortization of premiums and discounts on investment securities	21	(8)
Net change in accrued interest receivable	(120)	(194)
Net change in other assets and liabilities	(192)	387
Net cash provided by operating activities	(26)	111
INVESTING ACTIVITIES
Purchase of equity investment securities		(1)
Purchase of investment securities available-for-sale	(15,734)	(848)
Net proceeds from the (purchase of) redemption of Federal Home Loan Bank stock	124	(134)
Available-for-sale investment securities	851	850
Held-to-maturity investment securities	88	175
Real estate and repossessed assets acquired	10	42
Net change in loans	3,119	(4,325)
Purchase of premises and equipment	(156)	(80)
Net cash used in investing activities	(11,698)	(4,321)
FINANCING ACTIVITIES
Net change in demand deposits, savings accounts, and money market accounts	1,809	2,043
Net change in time deposits	(411)	(3,710)
Net change in brokered time deposits		53
Payments on long-term borrowings	(2,321)	(2,350)
Repayment from subordinated debt offering	(1,235)	(735)
Proceeds from long-term borrowings		6,000
Net proceeds from stock offering and conversion	13,128
Purchase of common stock for ESOP	(1,104)
Repurchase of common stock		(42)
Net cash provided by financing activities	9,866	1,259
Increase in cash and cash equivalents	(1,858)	(2,951)
Cash and cash equivalents at beginning of period	26,830	13,448
Cash and cash equivalents at end of period	24,972	10,497
Supplemental Cash Flows Information
Interest	550	$ 895
Transfer of loans to foreclosed real estate	$ 10

Nature of Operations

Nature of Operations	3 Months Ended
	Mar. 31, 2021
Nature of Operations
Nature of Operations	1. Nature of Operations Generations Bancorp NY, Inc. (“Generations Bancorp”) is a Maryland corporation that was organized in August 2020 as part of the Seneca-Cayuga Bancorp, Inc. (“Seneca-Cayuga”) conversion from the mutual holding company structure to a fully public stock holding company structure. Prior to the conversion, Generations Bank was the wholly-owned subsidiary of Seneca-Cayuga, and The Seneca Falls Savings Bank, MHC (“MHC”) owned 60.1% of Seneca-Cayuga’s common stock. On January 13, 2021, Generations Bancorp sold 1,477,575 of its common stock in a stock offering, (which included 109,450 shares issued to the ESOP) representing the ownership interest of the (“MHC”) for gross proceeds of $14.8 million and net proceeds of $13.2 million. The exchange ratio of previously held shares by Seneca-Cayuga was 0.9980 as applied in the conversion offering. References herein to the “Company” include Generations Bancorp subsequent to the completion of the conversion and Seneca-Cayuga prior to the completion of the conversion. Generations Bank (the “Bank”) is a federal savings bank headquartered in Seneca Falls, New York. We were organized in 1870 and have operated continuously since that time in the northern Finger Lakes region of New York State which is located in the central to northwestern portion of New York State. Generations Commercial Bank (the “Commercial Bank”), is a New York State chartered limited-purpose commercial bank formed expressly to enable local municipalities to deposit public funds with the Bank in accordance with existing NYS municipal law, and is a wholly owned subsidiary of the Bank. The Bank maintains its executive offices and main retail location in Seneca Falls, New York, with retail offices in Waterloo, Geneva, Auburn, Union Springs, Phelps, Farmington, Medina and Albion, New York. The Bank is a community-oriented savings institution whose business primarily consists of accepting deposits from customers within its market area and investing those funds in loans secured by one- to four-family residential real estate, commercial real estate, business or personal assets and in investment securities. The Bank also offers financial and investments services to its customers through licensed third parties. In addition, Generations Agency, Inc. (the “Agency”) offers personal and commercial insurance products through licensed employees in the same market area. The Agency is the Bank’s wholly-owned subsidiary. Interim Financial Statements The interim condensed consolidated financial statements as of March 31, 2021, and for the three months ended March 31, 2021 and 2020, are unaudited and reflect all normal recurring adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. Such adjustments are the only adjustments contained in these unaudited consolidated financial statements. These unaudited condensed consolidated financial statements have been prepared according to the rules and regulations of the Securities and Exchange Commission, and therefore certain information and footnote disclosures normally included in the financial statements prepared in accordance with generally accepted accounting principles in the United States of America (“GAAP”) have been omitted. The results of operations for the three months ended March 31, 2021 and 2020, are not necessarily indicative of the results to be achieved for the remainder of the year ending December 31, 2021, or any other period. Certain prior period data presented in the consolidated financial statements have been reclassified to conform with current year presentation. The accompanying condensed consolidated financial statements should be read in conjunction with the financial statements and notes thereto of the Company for the year ended December 31, 2020 included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020. Reference is made to the accounting policies of the Company described in the Notes to Financial Statements contained in the Annual Report on Form 10-K for the year ended December 31, 2020.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Mar. 31, 2021
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss)	2. Accumulated Other Comprehensive Income (Loss) The balances and changes in the components of accumulated other comprehensive income (loss), net of tax, are as follows: Unrealized Accumulated (Losses) Gains Defined Other on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Income (Loss) Balance, January 1, 2021 $ 723 $ (2,138) $ (1,415) Other comprehensive loss before reclassifications (13) — (13) Amounts reclassified from AOCI to the income statement — 23 23 Net current-period other comprehensive income (loss) (13) 23 10 Balance, March 31, 2021 $ 710 $ (2,115) $ (1,405) Balance, January 1, 2019 $ 658 $ (2,320) $ (1,662) Other comprehensive gain before reclassifications 336 — 336 Amounts reclassified from AOCI to the income statement — 27 27 Net current-period other comprehensive income 336 27 363 Balance, March 31, 2020 $ 994 $ (2,293) $ (1,299) The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss: For years Ended March 31, Affected Line Item in the (In thousands) 2021 2020 Statement of Income Defined benefit pension plan: Retirement plan net losses recognized in net periodic pension cost $ 29 $ 34 Compensation and benefits Tax effect (2) (6) (7) Benefit for income taxes $ 23 $ 27 Net income (2) Amounts in parentheses indicate reductions of net income.

Earnings Per Common Share

Earnings Per Common Share	3 Months Ended
	Mar. 31, 2021
Earnings Per Common Share
Earnings Per Common Share	3. Basic earnings per common share is calculated by dividing net income by the weighted-average number of common shares outstanding during the period. The weighted-average number of common shares outstanding was 2,360,000 and 2,451,000 , for the three months ended March 31, 2021 and 2020. The Company has not granted any restricted stock awards or stock options and had no potentially dilutive common stock equivalents. Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating basic earnings per common share until they are committed to be released.

Securities

Securities	3 Months Ended
	Mar. 31, 2021
Securities
Securities	4. Securities Investments in securities available-for-sale, held-to-maturity and equity are summarized as follows: March 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 37 $ 1 $ (1) $ 37 Corporate bonds 14,894 238 (109) 15,023 State and political subdivisions 16,943 877 (106) 17,714 Total securities available-for-sale $ 31,874 $ 1,116 $ (216) $ 32,774 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,390 $ 37 $ (3) $ 1,424 Total securities held-to-maturity $ 1,390 $ 37 $ (3) $ 1,424 Equity securities: Large cap equity mutual fund $ 38 $ 38 Other mutual funds 271 271 Total of equity securities $ 309 $ 309 December 31, 2020 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 39 $ 1 $ (1) $ 39 State and political subdivisions 16,971 917 (1) 17,887 Total securities available-for-sale $ 17,010 $ 918 $ (2) $ 17,926 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs 1,480 33 (3) 1,510 Total securities held-to-maturity $ 1,480 $ 33 $ (3) $ 1,510 Equity securities: Large cap equity mutual fund $ 35 $ 35 Other mutual funds 626 626 Total of equity securities $ 661 $ 661 Gross unrealized losses on investment securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows: March 31, 2021 12 Months or Less More than 12 Months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 23 $ (1) $ 2 $ — $ 25 $ (1) Corporate bonds 8,665 (109) — — 8,665 (109) State and political subdivisions 4,755 (106) — — 4,755 (106) Total securities available-for-sale $ 13,443 $ (216) $ 2 $ — $ 13,445 $ (216) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 134 $ (2) $ 85 $ (1) $ 219 $ (3) Total securities held-to-maturity $ 134 $ (2) $ 85 $ (1) $ 219 $ (3) December 31, 2020 12 Months or Less More than 12 Months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 24 $ (1) $ 2 $ — $ 26 $ (1) State and political subdivisions 1,066 (1) — — 1,066 (1) Total securities available-for-sale $ 1,090 $ (2) $ 2 $ — $ 1,092 $ (2) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 150 $ (1) $ 97 $ (1) $ 247 $ (2) Total securities held-to-maturity $ 150 $ (1) $ 97 $ (1) $ 247 $ (2) The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment (“OTTI”). Management assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the statement of financial condition date. Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is “more likely than not” we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not sufficient to recover the entire amortized cost basis. 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. Non-credit-related OTTI is based on other factors, including illiquidity. Presentation of OTTI is made in the consolidated statement of operations on a gross basis, including both the portion recognized in earnings as well as the portion recorded in other comprehensive income. Normally, the gross OTTI would then be offset by the amount of non-credit-related OTTI, showing the net as the impact on earnings. All OTTI charges have been credit-related to date, and therefore no offset has been presented on the consolidated statements of income. Eleven government agency and government sponsored enterprise (GSE) residential mortgage-backed security holdings have an unrealized loss as of March 31, 2021. The securities were issued by the Federal National Mortgage Association (FNMA), Federal Home Loan Mortgage Corporation (FHLMC) and the Government National Mortgage Association (GNMA). The government-backed securities that have unrealized losses are immaterial, with each of these securities having value deficiencies of $700 or less. There are eighteen bond issues held by the Bank that have an unrealized loss as of March 31, 2021. The bonds are issued by well-established corporate entities with semi-annual interest payments. All interest payments have historically been made timely. The value of the bonds held is closely correlated with long-term interest rates, and as interest rates increase, the bond values decrease. We anticipate full recovery of our investment over time and have no plans to sell the securities in the near term. None of the securities demonstrate a steadily increasing loss ratio and values fluctuate in reaction to the uncertainty of the economy. Principal and interest continue to be received on all securities as anticipated. The Company has the ability and intent to hold the securities through maturity or recovery of its amortized cost basis. With the government guarantees in place, management does not expect losses on these securities. No OTTI is deemed present on these securities. The following is a summary of the amortized cost and estimated fair values of debt securities at March 31, 2021, by remaining term to contractual maturity other than mortgage-backed securities. Actual maturities may differ from these amounts because certain issuers have the right to call or redeem their obligations prior to contractual maturity. The contractual maturities of mortgage-backed securities generally exceed 20 years; however, the effective average life is expected to be substantially shorter due to anticipated repayments and prepayments. March 31, 2021 Securities Securities Available-for-Sale Held-to-Maturity Amortized Estimated Amortized Estimated (in thousands) Cost Fair Value Cost Fair Value Due in one year or less $ 124 $ 125 $ — $ — Due over one year through five years 3,374 3,386 — — Due over five through ten years 6,348 6,509 — — Due after ten years 21,991 22,717 — — 31,837 32,737 — — Residential mortgage-backed securities 37 37 1,390 1,424 Total $ 31,874 $ 32,774 $ 1,390 $ 1,424 There were no gross realized gains (losses) on sales and redemptions of available-for sale securities for the three months March 31, 2021 and 2020. Gains and losses on the sales of securities are recognized in income when sold, using the specific identification method, on a trade date basis. Securities with a fair value of $6,966,965 and $6,969,058 were pledged to collateralize certain deposit arrangements at March 31, 2021 and December 31, 2020 respectively.

Loans Receivable

Loans Receivable	3 Months Ended
	Mar. 31, 2021
Loans Receivable
Loans Receivable	5. Major classifications of loans are as follows: March 31, December 31, (In thousands) 2021 2020 Originated Loans Residential mortgages: One-to-four family $ 110,040 $ 113,254 110,040 113,254 Commercial loans: Real estate - nonresidential 22,520 22,812 Multi-family 2,331 5,125 Commercial business 19,266 20,178 44,117 48,115 Consumer: Home equity and junior liens 9,202 9,981 Manufactured homes 46,608 44,347 Automobile 22,421 21,469 Student 2,304 2,259 Recreational vehicle 17,043 14,557 Other consumer 4,245 4,081 101,823 96,694 Total originated loans 255,980 258,063 Net deferred loan costs 12,658 11,854 Less allowance for loan losses (1,881) (1,821) Net originated loans $ 266,757 $ 268,096 March 31, December 31, (In thousands) 2021 2020 Acquired Loans Residential mortgages: One-to-four family $ 12,493 $ 14,102 12,493 14,102 Commercial loans: Real estate - nonresidential 1,885 1,942 Commercial business 310 327 2,195 2,269 Consumer: Home equity and junior liens 1,163 1,406 Other consumer 163 190 1,326 1,596 Total acquired loans 16,014 17,967 Net deferred loan costs (65) (67) Fair value credit and yield adjustment (339) (356) Net acquired loans $ 15,610 $ 17,544 March 31, December 31, (In thousands) 2021 2020 Total Loans Residential mortgages: One-to-four family $ 122,533 $ 127,356 122,533 127,356 Commercial loans: Real estate - nonresidential 24,405 24,754 Multi-family 2,331 5,125 Commercial business 19,576 20,505 46,312 50,384 Consumer: Home equity and junior liens 10,365 11,387 Manufactured homes 46,608 44,347 Automobile 22,421 21,469 Student 2,304 2,259 Recreational vehicle 17,043 14,557 Other consumer 4,408 4,271 103,149 98,290 Total Loans 271,994 276,030 Net deferred loan costs 12,593 11,787 Fair value credit and yield adjustment (339) (356) Less allowance for loan losses (1,881) (1,821) Loans receivable, net $ 282,367 $ 285,640 The Company grants residential mortgage, commercial and consumer loans to customers throughout the Finger Lakes region of New York State, which includes parts of Cayuga, Seneca, Wayne, Yates, Ontario and Orleans Counties. Although the Company has a diversified loan portfolio, a substantial portion of its debtors’ abilities to honor their contracts is dependent upon the counties’ employment and economic conditions. To further diversify the loan portfolio, the Company also purchases loans that have been originated outside of the region. High quality automobile loans, originated in Northeastern United States, are purchased regularly from BCI Financial Corporation, a Connecticut Company. In 2019, the Company also began to purchase modular home loans originated throughout the United States from Triad Financial Services, Inc., who then services the loans for the Company. In 2020, the Company began to purchase automobile and recreational vehicle loans originated in New York State from OneSource Financial. Loan Origination / Risk Management The Company has lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. Management reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by frequently providing management with reports related to loan production, loan quality, loan delinquencies, non-performing and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions. The loan portfolio is segregated into risk rating categories based on the borrower’s overall financial condition, repayment sources, guarantors, and value of collateral, if appropriate. The risk ratings are evaluated at least annually for commercial loans unless credit deficiencies arise, such as delinquent loan payments, for commercial, residential mortgage or consumer loans. Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss. Loans classified as loss are considered uncollectible and are charged to the allowance for loan loss. Loans not classified are rated as pass. The following table presents the classes of the loan portfolio summarized by the pass rating and the classified ratings of special mention, substandard and doubtful within the Company’s internal risk rating system: March 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans Residential mortgages: One-to-four family $ 106,706 $ 943 $ 2,391 $ — $ 110,040 106,706 943 2,391 — 110,040 Commercial loans: Real estate - nonresidential 15,419 4,568 2,533 — 22,520 Multi-family 2,331 — — — 2,331 Commercial business 16,360 825 2,081 — 19,266 34,110 5,393 4,614 — 44,117 Consumer: Home equity and junior liens 9,042 92 68 — 9,202 Manufactured homes 46,608 — — — 46,608 Automobile 22,381 17 23 — 22,421 Student 2,304 — — — 2,304 Recreational vehicle 17,043 — — — 17,043 Other consumer 4,237 3 5 — 4,245 101,615 112 96 — 101,823 Total originated loans $ 242,431 $ 6,448 $ 7,101 $ — $ 255,980 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans Residential mortgages: One-to-four family $ 12,065 $ 142 $ 286 $ — $ 12,493 12,065 142 286 — 12,493 Commercial loans: Real estate - nonresidential 1,885 — — — 1,885 Commercial business 310 — — — 310 2,195 — — — 2,195 Consumer: Home equity and junior liens 1,128 — 35 — 1,163 Other consumer 161 — 2 — 163 1,289 — 37 — 1,326 Total acquired loans $ 15,549 $ 142 $ 323 $ — $ 16,014 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans Residential mortgages: One-to-four family $ 118,771 $ 1,085 $ 2,677 $ — $ 122,533 118,771 1,085 2,677 — 122,533 Commercial loans: Real estate - nonresidential 17,304 4,568 2,533 — 24,405 Multi-family 2,331 — — — 2,331 Commercial business 16,670 825 2,081 — 19,576 36,305 5,393 4,614 — 46,312 Consumer: Home equity and junior liens 10,170 92 103 — 10,365 Manufactured homes 46,608 — — — 46,608 Automobile 22,381 17 23 — 22,421 Student 2,304 — — — 2,304 Recreational vehicle 17,043 — — — 17,043 Other consumer 4,398 3 7 — 4,408 102,904 112 133 — 103,149 Total loans $ 257,980 $ 6,590 $ 7,424 $ — $ 271,994 December 31, 2020 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans Residential mortgages: One-to-four family $ 109,752 $ 627 $ 2,875 $ — $ 113,254 109,752 627 2,875 — 113,254 Commercial loans: Real estate - nonresidential 15,597 4,433 2,782 — 22,812 Multi-family 5,083 — 42 — 5,125 Commercial business 17,009 842 2,327 — 20,178 37,689 5,275 5,151 — 48,115 Consumer: Home equity and junior liens 9,923 — 58 — 9,981 Manufactured homes 44,272 — 75 — 44,347 Automobile 21,432 4 33 — 21,469 Student 2,259 — — — 2,259 Recreational vehicle 14,527 30 — — 14,557 Other consumer 4,046 4 31 — 4,081 96,459 38 197 — 96,694 Total originated loans $ 243,900 $ 5,940 $ 8,223 $ — $ 258,063 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans Residential mortgages: One-to-four family $ 13,669 $ 63 $ 370 $ — $ 14,102 13,669 63 370 — 14,102 Commercial loans: Real estate - nonresidential 1,942 — — — 1,942 Commercial business 327 — — — 327 2,269 — — — 2,269 Consumer: Home equity and junior liens 1,362 — 44 — 1,406 Other consumer 190 — — — 190 1,552 — 44 — 1,596 Total acquired loans $ 17,490 $ 63 $ 414 $ — $ 17,967 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans Residential mortgages: One-to-four family $ 123,421 $ 690 $ 3,245 $ — $ 127,356 123,421 690 3,245 — 127,356 Commercial loans: Real estate - nonresidential 17,539 4,433 2,782 — 24,754 Multi-family 5,083 — 42 — 5,125 Commercial business 17,336 842 2,327 — 20,505 39,958 5,275 5,151 — 50,384 Consumer: Home equity and junior liens 11,285 — 102 — 11,387 Manufactured homes 44,272 — 75 — 44,347 Automobile 21,432 4 33 — 21,469 Student 2,259 — — — 2,259 Recreational vehicle 14,527 30 — — 14,557 Other consumer 4,236 4 31 — 4,271 98,011 38 241 — 98,290 Total loans $ 261,390 $ 6,003 $ 8,637 $ — $ 276,030 Management has reviewed its loan portfolio and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of originating these types of loans. Non-accrual and Past Due Loans Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date. For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on non-accrual status, unpaid interest is reversed and charged to interest income. Interest received on non-accrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management’s judgement as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Non-accrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification. When future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a non-accrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to allowance for loan losses until prior charge-offs have been fully recovered. An age analysis of past due loans, segregated by class of loans, as are as follows: March 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans Residential mortgage loans: One-to-four family $ 2,043 $ 268 $ 2,391 $ 4,702 $ 105,338 $ 110,040 2,043 268 2,391 4,702 105,338 110,040 Commercial loans: Real estate - nonresidential 208 66 869 1,143 21,377 22,520 Multi-family — — — — 2,331 2,331 Commercial business 436 55 561 1,052 18,214 19,266 644 121 1,430 2,195 41,922 44,117 Consumer loans: Home equity and junior liens 33 74 68 175 9,027 9,202 Manufactured homes 278 116 — 394 46,214 46,608 Automobile 140 32 23 195 22,226 22,421 Student — — — — 2,304 2,304 Recreational vehicle 123 — — 123 16,920 17,043 Other consumer 42 3 3 48 4,197 4,245 616 225 94 935 100,888 101,823 Total originated loans $ 3,303 $ 614 $ 3,915 $ 7,832 $ 248,148 $ 255,980 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans Residential mortgage loans: One-to-four family $ 139 $ 28 $ 286 $ 453 $ 12,040 $ 12,493 139 28 286 453 12,040 12,493 Commercial loans: Real estate - nonresidential — — — — 1,885 1,885 Commercial business — — — — 310 310 — — — — 2,195 2,195 Consumer loans: Home equity and junior liens 4 — 35 39 1,124 1,163 Other consumer — — 2 2 161 163 4 — 37 41 1,285 1,326 Total acquired loans $ 143 $ 28 $ 323 $ 494 $ 15,520 $ 16,014 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans Residential mortgage loans: One-to-four family $ 2,182 $ 296 $ 2,677 $ 5,155 $ 117,378 $ 122,533 2,182 296 2,677 5,155 117,378 122,533 Commercial loans: Real estate - nonresidential 208 66 869 1,143 23,262 24,405 Multi-family — — — — 2,331 2,331 Commercial business 436 55 561 1,052 18,524 19,576 644 121 1,430 2,195 44,117 46,312 Consumer loans: Home equity and junior liens 37 74 103 214 10,151 10,365 Manufactured homes 278 116 — 394 46,214 46,608 Automobile 140 32 23 195 22,226 22,421 Student — — — — 2,304 2,304 Recreational vehicle 123 — — 123 16,920 17,043 Other consumer 42 3 5 50 4,358 4,408 620 225 131 976 102,173 103,149 Total loans $ 3,446 $ 642 $ 4,238 $ 8,326 $ 263,668 $ 271,994 December 31, 2020 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans Residential mortgage loans: One-to-four family $ 2,345 $ 691 $ 2,875 $ 5,911 $ 107,343 $ 113,254 2,345 691 2,875 5,911 107,343 113,254 Commercial loans: Real estate - nonresidential 66 66 1,103 1,235 21,577 22,812 Multi-family — — 42 42 5,083 5,125 Commercial business 139 — 688 827 19,351 20,178 205 66 1,833 2,104 46,011 48,115 Consumer loans: Home equity and junior liens 92 23 58 173 9,808 9,981 Manufactured homes 944 440 75 1,459 42,888 44,347 Automobile 188 21 33 242 21,227 21,469 Student — — — — 2,259 2,259 Recreational vehicle 229 30 — 259 14,298 14,557 Other consumer 3 4 29 36 4,045 4,081 1,456 518 195 2,169 94,525 96,694 Total originated loans $ 4,006 $ 1,275 $ 4,903 $ 10,184 $ 247,879 $ 258,063 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans Residential mortgage loans: One-to-four family $ 223 $ 48 $ 370 $ 641 $ 13,461 $ 14,102 Commercial loans: 223 48 370 641 13,461 14,102 Real estate - nonresidential Commercial business — — — — 1,942 1,942 Other commercial and industrial — 15 — 15 312 327 — 15 — 15 2,254 2,269 Consumer loans: Home equity and junior liens 46 6 44 96 1,310 1,406 Other consumer — — 2 2 188 190 46 6 46 98 1,498 1,596 Total acquired loans $ 269 $ 69 $ 416 $ 754 $ 17,213 $ 17,967 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans Residential mortgage loans: One-to-four family $ 2,568 $ 739 $ 3,245 $ 6,552 $ 120,804 $ 127,356 2,568 739 3,245 6,552 120,804 127,356 Commercial loans: Real estate - nonresidential 66 66 1,103 1,235 23,519 24,754 Multi-family — — 42 42 5,083 5,125 Commercial business 139 15 688 842 19,663 20,505 205 81 1,833 2,119 48,265 50,384 Consumer loans: Home equity and junior liens 138 29 102 269 11,118 11,387 Manufactured homes 944 440 75 1,459 42,888 44,347 Automobile 188 21 33 242 21,227 21,469 Student — — — — 2,259 2,259 Recreational vehicle 229 30 — 259 14,298 14,557 Other consumer 3 4 31 38 4,233 4,271 1,502 524 241 2,267 96,023 98,290 Total loans $ 4,275 $ 1,344 $ 5,319 $ 10,938 $ 265,092 $ 276,030 Non-accrual loans, segregated by class of loan, were as follows: March 31, December 31, (In thousands) 2021 2020 Residential mortgage loans: One-to-four family $ 2,677 $ 3,245 2,677 3,245 Commercial loans: Real estate - nonresidential 869 1,103 Multi-family — 42 Commercial business 561 688 1,430 1,833 Consumer loans: Home equity and junior liens 103 102 Manufactured homes — 75 Automobile 23 33 Other consumer 5 31 131 241 Total non-accrual loans $ 4,238 $ 5,319 There were no loans past due more than ninety days and still accruing interest at March 31, 2021 and December 31, 2020. Troubled Debt Restructurings The Company is required to disclose certain activities related to Troubled Debt Restructurings (TDR) in accordance with accounting guidance. Certain loans have been modified in a TDR where economic concessions have been granted to a borrower who is experiencing, or expected to experience, financial difficulties. These economic concessions could include a reduction in the loan interest rate, extension of payment terms, reduction of principal amortization, or other actions that the Company would not otherwise consider for a new loan with similar risk characteristics. The recorded investment for each TDR loan is determined by the outstanding balance less the allowance associated with the loan. At December 31, 2020, the Company had nine loans, with an outstanding balance of $2.5 million, in the portfolio that had been modified by making concessions to maturity dates and, in some cases, lowering the interest rate from the original contract. Each modification was done to alleviate the borrowers’ financial difficulties and keep the collateral from repossession when the borrower met the eligibility criteria. One of the outstanding TDRs is in non-accrual status due to delinquency greater than 90 days. Each of the other remaining TDR loans continues to accrue interest and have not defaulted since restructuring. At March 31, 2021, 13 of the modified loans are outstanding, for a total of $2.8 million. One of the outstanding auto TDRs is in non-accrual status due to delinquency greater than 90 days. Each of the other remaining TDR loans continues to accrue interest and have not defaulted since restructuring. Impaired Loans A loan is considered impaired when based on current information and events it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower including the length of the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent. The following table summarizes impaired loans information by portfolio class: March 31, 2021 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One-to-four family residential mortgages $ 2,350 $ 2,451 $ — Commercial real estate - nonresidential 869 1,219 — Commercial business 1,708 1,708 — Home equity and junior liens 103 103 — With an allowance recorded: One-to-four family residential mortgages 201 201 18 Commercial real estate - nonresidential 1,919 1,919 66 Commercial business 469 469 210 Other consumer 5 5 2 Total: One-to-four family residential mortgages 2,551 2,652 18 Commercial real estate - nonresidential 2,788 3,138 66 Commercial business 2,177 2,177 210 Home equity and junior liens 103 103 — Other consumer 5 5 2 $ 7,624 $ 8,075 $ 296 December 31, 2020 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One-to-four family residential mortgages $ 2,836 $ 2,937 $ — Commercial real estate - nonresidential 1,198 1,548 — Commercial business 782 782 — Home equity and junior liens 109 109 — With an allowance recorded: One-to-four family residential mortgages 429 429 21 Multi-family 42 42 7 Commercial business 713 713 265 Automobile 41 41 10 Other consumer 2 2 2 Total: One-to-four family residential mortgages 3,265 3,366 21 Commercial real estate - nonresidential 1,198 1,548 — Multi-family 42 42 7 Commercial business 1,495 1,495 265 Home equity and junior liens 109 109 — Automobile 41 41 10 Other consumer 2 2 2 $ 6,152 $ 6,603 $ 305 The following table presents the average recorded investment in impaired loans: Three Months Ended March 31, (In thousands) 2021 2020 One-to-four family residential mortgages $ 2,175 $ 2,194 Commercial real estate - nonresidential 1,285 2,827 Multi-family — — Commercial business 2,228 2,066 Home equity and junior liens 104 126 Automobile — — Other consumer 5 — 5,797 $ 7,213 The following table presents interest income recognized on impaired loans: Three Months Ended March 31, (In thousands) 2021 2020 One-to-four family residential mortgages $ 17 $ 20 Commercial real estate - nonresidential 16 17 Commercial business 15 18 Home equity and junior liens 1 1 $ 49 $ 56 Income recognized on a cash basis was not materially different than interest income recognized on an accrual basis.

Allowance for Loan Loss

Allowance for Loan Loss	3 Months Ended
	Mar. 31, 2021
Allowance for Loan Loss
Allowance for Loan Loss	6. Allowance for Loan Loss Changes in the allowance for loan losses and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class are summarized as follows: Three Months Ended March 31, 2021 One-to-four Construction Commercial Commercial family residential real estate real estate Construction Commercial (In thousands) residential mortgage nonresidential multi-family commercial business Allowance for loan losses: Beginning Balance $ 457 $ — $ 319 $ 26 $ — $ 617 Charge-offs (3) — (51) — — (17) Recoveries 1 — — 6 — 7 Provision (credit) for loan losses 85 — 120 (21) — (77) Ending balance $ 540 $ — $ 388 $ 11 $ — $ 530 Ending balance: related to loans individually evaluated for impairment $ 18 $ — $ 66 $ — $ — $ 210 Ending balance: related to loans collectively evaluated for impairment $ 522 $ — $ 322 $ 11 $ — $ 320 Loans receivable: Ending balance $ 122,533 $ — $ 24,405 $ 2,331 $ — $ 19,576 Ending balance: individually evaluated for impairment $ 2,551 $ — $ 2,788 $ — $ — $ 2,177 Ending balance: collectively evaluated for impairment $ 119,982 $ — $ 21,617 $ 2,331 $ — $ 17,399 Three Months Ended March 31, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Charge-offs (2) — (2) — — (33) — (108) Recoveries — — 10 1 7 1 — 33 Provision (credit) for loan losses 4 5 2 1 (7) 23 — 135 Ending balance $ 48 $ 81 $ 137 $ 71 $ — $ 75 $ — $ 1,881 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ 2 $ — $ 296 Ending balance: related to loans collectively evaluated for impairment $ 48 $ 81 $ 137 $ 71 $ — $ 73 $ — $ 1,585 Loans receivable: Ending balance $ 10,365 $ 46,608 $ 22,421 $ 2,304 $ 17,043 $ 4,408 $ — $ 271,994 Ending balance: individually evaluated for impairment $ 103 $ — $ — $ — $ — $ 5 $ — $ 7,624 Ending balance: collectively evaluated for impairment $ 10,262 $ 46,608 $ 22,421 $ 2,304 $ 17,043 $ 4,403 $ — $ 264,370 Year Ended December 31, 2020 One-to-four Construction Commercial Commercial family residential real estate real estate Construction Commercial (In thousands) residential mortgage nonresidential multi-family commercial business Allowance for loan losses: Beginning Balance $ 375 $ 2 $ 421 $ 17 $ — $ 527 Charge-offs (89) — (398) — — (15) Recoveries 4 — — 19 — 140 Provision (credit) for loan losses 167 (2) 296 (10) — (35) Ending balance $ 457 $ — $ 319 $ 26 $ — $ 617 Ending balance: related to loans individually evaluated for impairment $ 21 $ — $ — $ 7 $ — $ 265 Ending balance: related to loans collectively evaluated for impairment $ 436 $ — $ 319 $ 19 $ — $ 352 Loans receivable: Ending balance $ 127,356 $ — $ 24,754 $ 5,125 $ — $ 20,505 Ending balance: individually evaluated for impairment $ 3,265 $ — $ 1,198 $ 42 $ — $ 1,495 Ending balance: collectively evaluated for impairment $ 124,091 $ — $ 23,556 $ 5,083 $ — $ 19,010 Year Ended December 31, 2020 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 50 $ — $ 142 $ 69 $ — $ 35 $ 22 $ 1,660 Charge-offs (9) — (54) — (14) (4) — (583) Recoveries 12 — 71 3 6 9 — 264 Provision (credit) for loan losses (7) 76 (32) (3) 8 44 (22) 480 Ending balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Ending balance: related to loans individually evaluated for impairment $ — $ — $ 10 $ — $ — $ 2 $ — $ 305 Ending balance: related to loans collectively evaluated for impairment $ 46 $ 76 $ 117 $ 69 $ — $ 82 $ — $ 1,516 Loans receivable: Ending balance $ 11,387 $ 44,347 $ 21,469 $ 2,259 $ 14,557 $ 4,271 $ — $ 276,030 Ending balance: individually evaluated for impairment $ 109 $ — $ 41 $ — $ — $ 2 $ — $ 6,152 Ending balance: collectively evaluated for impairment $ 11,278 $ 44,347 $ 21,428 $ 2,259 $ 14,557 $ 4,269 $ — $ 269,878 The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the consolidated statement of financial condition date and is recorded as a reduction of loans. The allowance for loan losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable is charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Consumer loans not secured by residential real estate are generally charged off no later than 90 days past due on a contractual basis, earlier in the event of bankruptcy, or if there is an amount deemed uncollectible. Because all identified losses are immediately charged off, no portion of the allowance for loan losses is restricted to any individual loan or groups of loans, and the entire allowance is available to absorb any and all loan losses. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are classified as impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying amount of that loan. The general component covers pools of loans by loan class including commercial loans not considered impaired, automobile loans identified in pools byproduct and underwriting standards, as well as smaller balance homogeneous consumer loans. These pools of loans are evaluated for loss exposure based upon historical loss rates for each of these categories of loans, adjusted for qualitative risk factors. These qualitative risk factors include: - Asset quality trends - The trend in loan growth and portfolio mix - Regional and local economic conditions - Historical loan loss experience - Underlying credit quality Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation. The risk characteristics within the loan portfolio vary depending on the loan segment. Consumer loans generally are repaid from personal sources of income. Risks associated with consumer loans primarily include general economic risks such as declines in the local economy creating higher rates of unemployment. Those conditions may also lead to a decline in collateral values should the Company be required to repossess the collateral securing consumer loans. These economic risks also impact the commercial loan segment, however commercial loans are considered to have greater risk than consumer loans as the primary source of repayment is from the cash flow of the business customer. Loans secured by real estate provide the best collateral protection and thus significantly reduce the inherent risk in the portfolio.

Employee Benefit Plans

Employee Benefit Plans	3 Months Ended
	Mar. 31, 2021
Employee Benefit Plans
Employee Benefit Plans	7. The Company provides pension benefits for eligible employees through two defined benefit pension plans (the “Plans”). The following tables set forth the changes in the Plans’ benefit obligations, fair value of plan assets and the plans’ funded status: Generations Bank Plan: Three Months Ended March 31, (In thousands) 2021 2020 Net periodic expenses recognized in income: (unaudited) Service cost $ 115 $ 103 Interest cost 105 112 Expected return on plan assets (370) (335) Amortization of net losses 28 34 Amortization of prior service credit - - Net periodic pension benefit $ (122) $ (86) Medina Savings and Loan Plan: Three Months Ended March 31, (In thousands) 2021 2020 Net periodic expenses recognized in income: (unaudited) Service cost $ 8 $ 7 Interest cost 32 36 Expected return on plan assets (116) (108) Amortization of net losses - - Amortization of prior service credit - - Net periodic pension benefit $ (76) $ (65)

Regulatory Capital

Regulatory Capital	3 Months Ended
	Mar. 31, 2021
Regulatory Capital
Regulatory Capital	8. The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain amounts and ratios (set forth in the table below) of total core and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to total adjusted assets (as defined). The final rules implementing Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (BASEL III rules) became effective for the Bank on January 1, 2015 with full compliance with all of the requirements being phased in over a multi-year schedule, and fully phased in by January 1, 2019. Under the BASEL III rules, the Bank must hold a capital conservation buffer above the adequately capitalized risk-based capital ratios. The capital conservation buffer is being phased in from 0.0% for 2015 to 2.50% by 2019. The capital conservation buffer for 2019 was 2.50%. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes as of March 31, 2021 and December 31, 2020, the Bank meets all capital adequacy requirements to which it is subject. As of December 31, 2020, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well capitalized” the Bank must maintain minimum total core, risk-based, Tier 1 risk-based and common equity Tier 1 leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Bank’s actual capital amounts and ratios are as follows: Minimum To Be "Well- Minimum Capitalized" For Capital Under Prompt Actual Adequacy Purposes Corrective Provisions (in thousands) Amount Ratio Amount Ratio Amount Ratio As of March 31, 2021 Common Equity Tier 1 Capital $ 40,097 15.23 % $ 15,795 6.00 % $ 21,060 8.00 % Total Capital (to Risk-Weighted Assets) $ 41,978 15.95 % $ 21,060 8.00 % $ 26,325 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 40,097 15.23 % $ 11,846 4.50 % $ 17,112 6.50 % Tier 1 Capital (to Total Adjusted Assets) $ 40,097 10.63 % $ 15,087 4.00 % $ 18,859 5.00 % As of December 31, 2020: Common Equity Tier 1 Capital $ 31,942 12.18 % $ 15,730 6.00 % $ 20,974 8.00 % Total Capital (to Risk-Weighted Assets) $ 33,768 12.88 % $ 20,974 8.00 % $ 26,217 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 31,942 12.18 % $ 11,798 4.50 % $ 10,741 6.50 % Tier 1 Capital (to Total Adjusted Assets) $ 31,942 8.72 % $ 14,648 4.00 % $ 18,310 5.00 % The Company’s goal is to maintain a strong capital position, consistent with the risk profile of its subsidiary bank that supports growth and expansion activities while at the same time exceeding regulatory standards. At March 31, 2021 and December 31, 2020, Generations Bank exceeded all regulatory required minimum capital ratios and met the regulatory definition of a “well-capitalized” institution, i.e. Tier 1 Capital (to Total Adjusted Asset) exceeding 5%, a common equity Tier 1 capital ratio exceeding 8.00%, a Tier 1 risk-based capital ratio exceeding 6.50% and a total risk-based capital ratio exceeding 10%.

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
	Mar. 31, 2021
Commitments and Contingencies
Commitments and Contingencies	9. Commitments and Contingencies Credit Commitments The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit, which involve, to varying degrees, elements of credit, interest rate or liquidity risk in excess of the amount recognized in the consolidated statements of financial condition. The Bank’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amounts of those instruments. The Bank has experienced minimal credit losses to date on its financial instruments with off-balance sheet risk and management does not anticipate any significant losses on its commitments to extend credit outstanding at March 31, 2021. Financial instruments whose contract amounts represent credit risk consist of the following: March 31, December 31, (In thousands) 2021 2020 Commitments to grant loans $ 3,318 $ 4,009 Unfunded commitments under lines of credit 15,189 14,823 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitment amounts are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counter party. Collateral held varies but may include residential real estate and income-producing commercial properties. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at March 31, 2021 with fixed interest rates amounted to approximately $3.7 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at March 31, 2021 with variable interest rates amounted to approximately $14.8 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2020 with fixed interest rates amounted to approximately $4.6 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2020 with variable interest rates amounted to approximately $14.2 million. Unfunded commitments under revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit usually do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed. Letters of credit written are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Generally, all letters of credit, when issued have expiration dates. The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers. The Company generally holds collateral and/or personal guarantees supporting these commitments. Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees. Commitments to Originate and Sell one- to four-family Residential Mortgages The Bank has entered into agreements with the Federal Home Loan Bank of New York as part of its Mortgage Partnership Finance Program (“MPF Program”) to originate and sell one- to four-family residential mortgages. The contracts call for the Bank to provide “best efforts” to meet the commitment, with no penalties to be paid in the event the Bank is not able to fulfill the commitment. At March 31, 2021 and December 31, 2020, there were no open contracts. The Bank generally makes a determination whether to sell a loan between the time the loan is committed to be closed and the day after closing. If a loan is selected to be sold, a commitment to deliver the loan by a certain date is made under the MPF Program. At March 31, 2021 and December 31, 2020, the Bank had no open commitments to deliver loans. In the event that the Bank is not able to deliver a specific loan committed, substitutions can generally be made. Otherwise, the Bank may extend the commitment for a fee, or the Bank is required to pay a pair-off fee. There were no extension or pair-off fees paid by the Bank for the periods ended March 31, 2021 and December 31, 2020. The Bank has sold and funded $68.6 million under the MPF Program, inclusive of USDA loans, to date. The principal outstanding on loans sold under the MPF Program is $11.6 million at March 31, 2021. The Bank continues to service loans sold under the MPF Program. Under the terms of the MPF Program, there is limited recourse back to the Bank for loans that do not perform in accordance with the terms of the loan agreement. Each loan that is sold under the program is “credit enhanced” such that the individual loan’s rating is raised to “AA,” as determined by the Federal Home Loan Bank of New York. The sum of each individual loan’s credit enhancement represents the total recourse back to the Bank. The total recourse back to the Bank for loans sold was $2.2 million at March 31, 2021. A portion of the recourse is offset by a “first loss account” to which funds are allocated by the Federal Home Loan Bank of New York annually in January. The balance of the “first loss account” allocated to the Bank is $78,500 at March 31, 2021. In addition, many of the loans sold under the MPF Program have primary mortgage insurance, which reduces the Bank’s overall exposure. The potential liability for the recourse is considered when the Bank determines its allowance for loan losses. Lease Commitments As part of the MSL merger, the Bank took on the assignment of a non-cancelable operating lease with Wal-Mart East for the space occupied by the Albion retail office. This lease is set to expire on May 31, 2021. Lease expense, since the merger, is included in occupancy expense and was $11,300 and $11,200 for the three month periods ended March 31, 2021 and 2020 and $41,000 for the year ending December 31, 2020. Future minimum lease commitments under the operating lease at March 31, 2021 is $5,000. The lease contains an option to extend for additional periods, which are not included in the commitments above. There are no plans to renew this lease.

Revenue from Contracts with Cus

Revenue from Contracts with Customers	3 Months Ended
	Mar. 31, 2021
Revenue from Contracts with Customers
Revenue from Contracts with Customers	10. The majority of the Company’s revenue-generating transactions are not subject to ASC Topic 606, including revenue generated from financial instruments, such as loans and investment securities, which are presented in our consolidated statements of operations as components of net interest income. All of the Company’s revenue from contracts with customers in the scope of Topic 606 is recognized within non-interest income. The following table presents revenues subject to Topic 606: Three Months Ended March 31, (In thousands) 2021 2020 Service charges on deposit accounts $ 135 $ 183 Debit card interchange and surcharge income 211 169 Investment services income — 57 Insurance commission and fees 174 216 Loan servicing fees 26 36 $ 546 $ 661 Service charges on deposit accounts : The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Transaction-based fees, which included services such as stop payment charges, wire transfers, and official check charges, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer’s request. Account maintenance and inactivity fees, which relate primarily to monthly maintenance and servicing, are recognized at the time the end of the month in which maintenance occurs. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer’s account balance. Debit card interchange and surcharge income : The Company earns interchange income from debit cardholder transactions conducted through the MasterCard International Inc. payment network. Additionally, ATM surcharges are also assessed on foreign (non-customer) users at the Company’s ATM network of machines. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and foreign surcharges are a fixed fee per transaction. Both are recognized daily, concurrently with the transaction processing services provided to cardholder. Investment services income : Prior to June 30, 2020 the Company earned fees from investment brokerage services provided to its customers by an employee who acted as an agent for a third-party service provider, Cadaret Grant. The Company received commissions from Cadaret Grant on a monthly basis based upon customer activity and balances held for the month. The Company employed the agent that arranged the relationship between the customer and the brokerage service provider. Investment brokerage commissions are presented gross based on the commission percentage earned. All related costs are recorded as operating expense. The Company sold this line of business to a third party at June 30, 2020. Insurance commissions and fees : Regular commissions are earned upon the effective date of bound insurance coverage. They are paid by the insurance carrier and recorded by the Company through a monthly remittance. Contingent commissions are based on a contract but are dependent, not only on the level of policies bound with the carrier, but also on loss claim levels experienced through the last day of the year, volume growth or shrinkage. The Agency’s business is not considered to be significant to the carriers, and many of our insurance carriers are combined under an umbrella with other independent agents, making the contingent commission earned dependent on a calculation that includes the experience of others. As such, the level of contingent commissions is not readily determinable until it is paid, but does not have a significant impact on the Company’s financial results. Loan servicing fees : The majority of income derived from loans is excluded from the scope of the amended guidance on accounting for revenue from contracts with customers. However, servicing fee revenue is generated in the form of late charges on customer loans. Late fees are transaction-based and are recognized at the point in time that the customer has exceeded the loan payment grace-period and the Company has earned the fee based on loan note. Fees are assessed as a percentage of the past-due loan payment amount.

Fair Value Disclosures

Fair Value Disclosures	3 Months Ended
	Mar. 31, 2021
Fair Value Disclosures
Fair Value Disclosures	11. Fair Value Disclosures Management uses its best judgment in estimating the fair value of the Company’s financial assets and liabilities; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial assets and liabilities, 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 reporting dates and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial assets and liabilities subsequent to the respective reporting dates may be different from the amounts reported at each reporting date. The Company uses fair value measurements to record fair value adjustments to certain financial assets and liabilities and to determine fair value disclosures. The fair value of a financial asset or liability is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in some instances, there may be no quoted market prices for the Company’s various financial assets and liabilities. 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. Accordingly, the fair value estimates may not be realized in an immediate settlement of the financial asset or liability. Fair value measurement guidance established a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy are as follows: Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date of identical, unrestricted assets or liabilities. Level 2: Quoted prices in markets that are not active, or inputs that are observable directly or indirectly, for substantially the full term of the asset or liability. Level 3: Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported with little or no market activity). An asset 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. There have been no changes in valuation techniques during the periods ended March, 2021 and December 31, 2020. 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, comparison between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Company’s assets and liabilities at March 31, 2021 and December 31, 2020. Cash and due from banks : The carrying amounts of cash and due from banks approximate fair values. Interest-earning deposits : The carrying amounts of interest-earning term deposits held in banks approximate fair values. Investment securities : The fair values of trading, available-for-sale, held-to-maturity and equity securities are obtained from an independent third party and are based on quoted prices on a nationally recognized exchange (Level 1), where available. At this time, only the equity securities qualify as a Level 1 valuation. If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2). Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. Municipal Bonds : The significant unobservable inputs used in the fair value measurement of the Company’s municipal bonds are premiums for unrated securities and marketability discounts. Significant increases (decreases) in either of those inputs in isolation would result in a significantly lower (higher) fair value measurement. In general, changes in either of those inputs will not affect the other input. Federal Home Loan Bank (FHLB) stock : The carrying value of FHLB stock approximates fair value based on the redemption provisions of the FHLB, resulting in a Level 2 classification. There have been no identified events or changes in circumstances that may have a significant adverse effect on the FHLB stock. Loans : The fair values of loans, excluding impaired loans, are estimated using discounted cash flow analyses, using market rates at the statement of financial condition date that reflect the credit and interest rate risk inherent in the 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. Future cash flows are then discounted using the Bank’s weighted average rate on new loans and thus the resulting fair value represents exit pricing. Generally, for variable rate loans that reprice frequently and with no significant changes in credit risk, fair values are based on carrying values. Impaired loans : Impaired loans are those loans in which the Company has measured impairment generally based on the fair value of the loan’s collateral. Fair value is generally determined based upon independent third party appraisals of the properties or discounted cash flows based upon expected proceeds. These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements. The fair value consists of loan balances less their valuation allowances. Deposits : The fair values disclosed for demand deposits (e.g., interest and non-interest checking) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts), and are therefore classified as Level 1. Savings and money market account fair values are based on estimated decay rates and current costs. Fair values for fixed rate certificates of deposit, including brokered deposits, are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits. Due to the inputs necessary to calculate the fair value, savings and time deposits are considered Level 3 valuations that estimate exit pricing. Accrued interest : The carrying amounts of accrued interest receivable and payable approximate fair value, and due to the short-term (30 days or less) nature of the balances, are considered Level 1. Borrowings : Fair values of FHLB advances are estimated using discounted cash flow analysis, based on quoted prices for new FHLB advances with similar credit risk characteristics, terms and remaining maturity, resulting in a Level 2 classification. These prices obtained from this active market represent a fair value that is deemed to represent the transfer price if the liability were assumed by a third party. Subordinated Debt : The carrying value is deemed to approximate the fair value. The following table presents a comparison of the carrying amount and estimated fair value of the Company’s financial instruments: March 31, 2021 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 24,972 $ 24,972 $ — $ — $ 24,972 Securities available-for-sale 32,774 — 29,389 3,385 32,774 Securities held-to-maturity 1,390 — 1,424 — 1,424 Equity securities 309 309 — — 309 Loans receivable 282,367 — — 277,614 277,614 Federal Home Loan Bank 1,868 — 1,868 — 1,868 Accrued interest receivable 1,299 1,299 — — 1,299 Financial liabilities: Deposits $ 310,944 $ 90,795 $ — $ 219,703 $ 310,498 Long-term borrowings 25,307 — 28,255 — 28,255 Accrued interest payable 60 60 — — 60 December 31, 2020 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 26,830 $ 26,830 $ — $ — $ 26,830 Securities available-for-sale 17,926 — 14,752 3,174 17,926 Securities held-to-maturity 1,480 — 1,510 — 1,510 Equity securities 661 661 — — 661 Loans receivable 285,640 — — 280,887 280,887 Federal Home Loan Bank 1,992 — 1,992 — 1,992 Accrued interest receivable 1,179 1,179 — — 1,179 Financial liabilities: Deposits $ 309,546 $ 97,418 $ — $ 213,757 $ 311,175 Long-term borrowings 27,628 — 30,053 — 30,053 Subordinated debt 1,235 — 1,235 — 1,235 Accrued interest payable 52 52 — — 52 The following tables summarize assets measured at fair value on a recurring basis, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: March 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: Debt investment securities: Residential mortgage-backed - US agency and GSEs $ — $ 37 $ — $ 37 Corporate Bonds — 15,023 — 15,023 Municipal bonds — 14,329 3,385 17,714 Equity investment securities: Large cap equity mutual fund 38 — — 38 Other mutual funds 271 — — 271 Total investment securities $ 309 $ 29,389 $ 3,385 $ 33,083 December 31, 2020 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: Debt investment securities: Residential mortgage-backed - US agency and GSEs $ — $ 39 $ — $ 39 Municipal bonds — 14,713 3,174 17,887 Equity investment securities: Large cap equity mutual fund 35 — — 35 Other mutual funds 626 — — 626 Total investment securities $ 661 $ 14,752 $ 3,174 $ 18,587 The changes in Level 3 assets measured at estimated fair value on a recurring basis during the periods noted: Investment (In thousands) Securities Balance - January 1, 2021 $ 3,174 Total gains realized/unrealized: Included in earnings — Included in other comprehensive income 50 Purchases 826 Principal payments/maturities (665) Sales — Balance - March 31, 2021 $ 3,385 Investment (In thousands) Securities Balance - January 1, 2020 $ 2,512 Total gains realized/unrealized: Included in earnings — Included in other comprehensive income (9) Purchases 848 Principal payments/maturities (848) Sales — Balance - March 31, 2020 $ 2,503 In 2021 and 2020, the Company purchased municipal bonds in the table above from local government entities which are not actively traded. The Company receives scheduled principal and interest payments from the municipalities based on the terms of the bonds. Since there was no discernable market for these investments, management is unable to determine a good estimate of fair value. As such, the carrying value is deemed to approximate fair value (Level 3). Sensitivity of Significant Unobservable Inputs: The following is a description of the sensitivity of significant unobservable inputs, the interrelationships between those inputs and other unobservable inputs used in recurring fair value measurement and how those inputs might magnify or mitigate the effect of changes in the unobservable inputs on the fair value measurement. Municipal Bonds : The significant unobservable inputs used in the fair value measurement of the Company’s municipal bonds are premiums for unrated securities and marketability discounts. Significant increases (decreases) in either of those inputs isolation would result in a significantly lower (higher) fair value measurement. In general, changes in either of those inputs will not affect the other input. Certain assets and liabilities are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following tables summarize assets measured at fair value on a nonrecurring basis segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: At March 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 3,112 $ 3,112 Foreclosed real estate & repossessed assets — — 45 45 December 31, 2020 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 1,663 $ 1,663 Foreclosed real estate & repossessed assets — — 45 45 There have been no transfers of assets in or out of any fair value measurement level. The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis at March 31, 2021 and December 31, 2020: Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (20)% One-to four-family residential Costs to Sell 5% - 15% (10)% Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Real estate - nonresidential Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)% Impaired loans - USDA Guarantee Government guaranteed portion 20% (20)% Commercial business Foreclosed real estate and repossessed assets Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)% Impaired loans : At the time a loan is considered impaired, it is valued at the lower of cost or fair value. Impaired loans carried at fair value generally receive a specific valuation allowance for loan losses. For collateral dependent loans, fair value is commonly based on recent real estate appraisals. These real estate appraisals may include up to three approaches to value: the sales comparison approach, the income approach (for income-producing property) and the cost 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, if applicable. Although the fair value of the property normally will be based on an appraisal, the valuation should be consistent with the price that a market participant will pay to purchase the property at the measurement date. Circumstances may exist that indicate that the appraised value is not an accurate measurement of the property’s current fair value. Examples of such circumstances include changed economic conditions since the last appraisal, stale appraisals, or imprecision and subjectivity in the appraisal process. Appraisal adjustments may be made by management to reflect these conditions resulting in a discount of the appraised value. In addition, a discount is typically applied to account for estimated costs to sell. 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 valuations, and management’s expertise and knowledge of the client and client’s business. The methods used to determine the fair values of impaired loans typically result in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Foreclosed real estate & repossessed assets : Assets acquired through foreclosure, transfers in lieu of foreclosure or repossession are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Similar to the impaired loan disclosures above, fair value is commonly based on recent real estate appraisals, or estimated value from auction house or qualified dealer, and adjusted as deemed necessary by independent appraisers and management and estimated costs to sell resulting in a level 3 fair value classification. Foreclosed and repossessed assets are evaluated on a monthly basis to determine whether an additional reduction in the fair value less estimated costs to sell should be recorded.

Segment Information

Segment Information	3 Months Ended
	Mar. 31, 2021
Segment Information
Segment Information	12. The Company has three primary business segments, its community banking franchise, its insurance agency and a limited-purpose commercial bank. The community banking segment provides financial services to consumers and businesses principally in the Finger Lakes Region and Orleans County of New York State. These services include providing various types of loans to customers, accepting deposits, mortgage banking and other traditional banking services. Parent company and treasury function income is included in the community-banking segment, as the majority of effort for these functions is related to this segment. Major revenue sources include net interest income, service fees on deposit accounts and investment services commission. Expenses include personnel and branch-network support charges. The insurance agency segment offers insurance coverage to businesses and individuals in the Finger Lakes Region. The insurance activities consist of those conducted through the Bank’s wholly owned subsidiary, Generations Agency. The primary revenue source is commissions. Expenses include personnel and office support charges. The municipal banking segment is a New York State chartered limited-purpose commercial bank formed expressly to enable local municipalities, primarily within the Finger Lakes Region and Northwest New York State, to deposit public funds with the Commercial Bank in accordance with existing NYS municipal law. The Commercial Bank is a wholly owned subsidiary of the Bank. The major revenue source is net interest income. Expenses include personnel, rent and support charges for using the assets and technology of the Bank. Information about the segments is presented in the following table as of and for the periods as noted: Three Months Ended March 31, 2021 2020 Community Municipal Community Municipal Banking Insurance Banking Banking Insurance Banking (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income $ 2,780 $ — $ 63 $ 2,843 $ 2,342 $ — $ 125 $ 2,467 Provision for loan losses 135 — — 135 90 — — 90 Net interest income after provision for loan losses 2,645 — 63 2,708 2,252 — 125 2,377 Total noninterest income 439 173 — 612 267 218 — 485 Compensation and benefits (1,158) (101) — (1,259) (1,401) (84) (19) (1,504) Other noninterest expense (1,561) (37) (31) (1,629) (1,554) (48) (22) (1,624) (Loss) income before income taxes 365 35 32 432 (436) 86 84 (266) Provision for income taxes 72 — 7 79 (276) — — (276) Net (loss) income $ 293 $ 35 $ 25 $ 353 $ (160) $ 86 $ 84 $ 10 The following represents a reconciliation of the Company’s reported segment assets: At March 31, At December 31, (In thousands) 2021 2020 Total assets for reportable segments $ 400,036 $ 391,536 Elimination of intercompany balances (18,096) (18,522) Consolidated total assets $ 381,940 $ 373,014 The accounting policies of each segment are the same as those described in the summary of significant accounting policies.

Recently Adopted and Recently I

Recently Adopted and Recently Issued Accounting Pronouncements	3 Months Ended
	Mar. 31, 2021
Recently Adopted and Recently Issued Accounting Pronouncements
Recently Adopted and Recently Issued Accounting Pronouncements	13. Recently Issued Accounting Pronouncements In September 2016, the FASB issued ASU No. 2016-13, “Measurement of Credit Losses on Financial Instruments.” This ASU significantly changes how entities will measure credit losses for most financial assets and certain other instruments that aren’t measured at fair value through net income. In issuing the standard, the FASB is responding to criticism that today’s guidance delays recognition of credit losses. The standard will replace today’s “incurred loss” approach with an “expected loss” model. The new model, referred to as the current expected credit loss (“CECL”) model, will apply to: (1) financial assets subject to credit losses and measured at amortized cost, and (2) certain off-balance sheet credit exposures. This includes, but is not limited to, loans, leases, held-to-maturity securities, loan commitments, and financial guarantees. The CECL model does not apply to available-for-sale (“AFS”) debt securities. For AFS debt securities with unrealized losses, entities will measure credit losses in a manner similar to what they do today, except that the losses will be recognized as allowances rather than reductions in the amortized cost of the securities. As a result, entities will recognize improvements to estimated credit losses immediately in earnings rather than as interest income over time, as they do today. The ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans. ASU 2016-13 also expands the disclosure requirements regarding an entity’s assumptions, models, and methods for estimating the allowance for loan and lease losses. In addition, entities will need to disclose the amortized cost balance for each class of financial asset by credit quality indicator, disaggregated by the year of origination. ASU No. 2016-13 is effective for public business entities that are U.S. Securities and Exchange Commission (SEC) filers for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For SEC filers that are Smaller Reporting Companies, all other public business entities, and other non-public entities, the amendments are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Early adoption is permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. Entities will apply the standard’s provisions as a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective (i.e., modified retrospective approach). The Company is currently evaluating the impact of these amendments to the Company’s financial position and results of operations and currently does not know or cannot reasonably quantify the impact of the adoption of the amendments as a result of the complexity and extensive changes from these amendments. The Allowance for Loan Losses (ALL) estimate is material to the Company and given the change from an incurred loss model to a methodology that considers the credit loss over the life of the loan, there is the potential for an increase in the ALL at adoption date. The Company is anticipating a significant change in the processes and procedures to calculate the ALL, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. In addition, the current accounting policy and procedures for the other-than-temporary impairment on available-for-sale securities will be replaced with an allowance approach. The Company continues to collect and retain historical loan and credit data. The Company is in the process of identifying data gaps. Certain CECL models are currently being evaluated. The Audit Committee is informed of ongoing CECL developments. For additional information on the allowance for loan losses, see Notes 5 and 6 to these condensed consolidated financial statements.

Nature of Operations (Policies)

Nature of Operations (Policies)	3 Months Ended
	Mar. 31, 2021
Nature of Operations
Interim Financial Statements	Interim Financial Statements The interim condensed consolidated financial statements as of March 31, 2021, and for the three months ended March 31, 2021 and 2020, are unaudited and reflect all normal recurring adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. Such adjustments are the only adjustments contained in these unaudited consolidated financial statements. These unaudited condensed consolidated financial statements have been prepared according to the rules and regulations of the Securities and Exchange Commission, and therefore certain information and footnote disclosures normally included in the financial statements prepared in accordance with generally accepted accounting principles in the United States of America (“GAAP”) have been omitted. The results of operations for the three months ended March 31, 2021 and 2020, are not necessarily indicative of the results to be achieved for the remainder of the year ending December 31, 2021, or any other period. Certain prior period data presented in the consolidated financial statements have been reclassified to conform with current year presentation. The accompanying condensed consolidated financial statements should be read in conjunction with the financial statements and notes thereto of the Company for the year ended December 31, 2020 included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020. Reference is made to the accounting policies of the Company described in the Notes to Financial Statements contained in the Annual Report on Form 10-K for the year ended December 31, 2020.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2021
Accumulated Other Comprehensive Income (Loss)
Schedule of Other comprehensive income information	Unrealized Accumulated (Losses) Gains Defined Other on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Income (Loss) Balance, January 1, 2021 $ 723 $ (2,138) $ (1,415) Other comprehensive loss before reclassifications (13) — (13) Amounts reclassified from AOCI to the income statement — 23 23 Net current-period other comprehensive income (loss) (13) 23 10 Balance, March 31, 2021 $ 710 $ (2,115) $ (1,405) Balance, January 1, 2019 $ 658 $ (2,320) $ (1,662) Other comprehensive gain before reclassifications 336 — 336 Amounts reclassified from AOCI to the income statement — 27 27 Net current-period other comprehensive income 336 27 363 Balance, March 31, 2020 $ 994 $ (2,293) $ (1,299)
Reclassified out of each component of accumulated other comprehensive loss	For years Ended March 31, Affected Line Item in the (In thousands) 2021 2020 Statement of Income Defined benefit pension plan: Retirement plan net losses recognized in net periodic pension cost $ 29 $ 34 Compensation and benefits Tax effect (2) (6) (7) Benefit for income taxes $ 23 $ 27 Net income (2) Amounts in parentheses indicate reductions of net income.

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2021
Securities
Schedule of investments in securities available-for-sale and held-to-maturity	March 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 37 $ 1 $ (1) $ 37 Corporate bonds 14,894 238 (109) 15,023 State and political subdivisions 16,943 877 (106) 17,714 Total securities available-for-sale $ 31,874 $ 1,116 $ (216) $ 32,774 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,390 $ 37 $ (3) $ 1,424 Total securities held-to-maturity $ 1,390 $ 37 $ (3) $ 1,424 Equity securities: Large cap equity mutual fund $ 38 $ 38 Other mutual funds 271 271 Total of equity securities $ 309 $ 309 December 31, 2020 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 39 $ 1 $ (1) $ 39 State and political subdivisions 16,971 917 (1) 17,887 Total securities available-for-sale $ 17,010 $ 918 $ (2) $ 17,926 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs 1,480 33 (3) 1,510 Total securities held-to-maturity $ 1,480 $ 33 $ (3) $ 1,510 Equity securities: Large cap equity mutual fund $ 35 $ 35 Other mutual funds 626 626 Total of equity securities $ 661 $ 661
Schedule of gross unrealized losses on investment securities and the fair value of the related securities	March 31, 2021 12 Months or Less More than 12 Months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 23 $ (1) $ 2 $ — $ 25 $ (1) Corporate bonds 8,665 (109) — — 8,665 (109) State and political subdivisions 4,755 (106) — — 4,755 (106) Total securities available-for-sale $ 13,443 $ (216) $ 2 $ — $ 13,445 $ (216) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 134 $ (2) $ 85 $ (1) $ 219 $ (3) Total securities held-to-maturity $ 134 $ (2) $ 85 $ (1) $ 219 $ (3) December 31, 2020 12 Months or Less More than 12 Months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 24 $ (1) $ 2 $ — $ 26 $ (1) State and political subdivisions 1,066 (1) — — 1,066 (1) Total securities available-for-sale $ 1,090 $ (2) $ 2 $ — $ 1,092 $ (2) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 150 $ (1) $ 97 $ (1) $ 247 $ (2) Total securities held-to-maturity $ 150 $ (1) $ 97 $ (1) $ 247 $ (2)
Summary of the amortized cost and estimated fair values of debt securities	March 31, 2021 Securities Securities Available-for-Sale Held-to-Maturity Amortized Estimated Amortized Estimated (in thousands) Cost Fair Value Cost Fair Value Due in one year or less $ 124 $ 125 $ — $ — Due over one year through five years 3,374 3,386 — — Due over five through ten years 6,348 6,509 — — Due after ten years 21,991 22,717 — — 31,837 32,737 — — Residential mortgage-backed securities 37 37 1,390 1,424 Total $ 31,874 $ 32,774 $ 1,390 $ 1,424

Loans Receivable (Tables)

Loans Receivable (Tables)	3 Months Ended
	Mar. 31, 2021
Loans Receivable
Schedule of major classifications of loans	March 31, December 31, (In thousands) 2021 2020 Originated Loans Residential mortgages: One-to-four family $ 110,040 $ 113,254 110,040 113,254 Commercial loans: Real estate - nonresidential 22,520 22,812 Multi-family 2,331 5,125 Commercial business 19,266 20,178 44,117 48,115 Consumer: Home equity and junior liens 9,202 9,981 Manufactured homes 46,608 44,347 Automobile 22,421 21,469 Student 2,304 2,259 Recreational vehicle 17,043 14,557 Other consumer 4,245 4,081 101,823 96,694 Total originated loans 255,980 258,063 Net deferred loan costs 12,658 11,854 Less allowance for loan losses (1,881) (1,821) Net originated loans $ 266,757 $ 268,096 March 31, December 31, (In thousands) 2021 2020 Acquired Loans Residential mortgages: One-to-four family $ 12,493 $ 14,102 12,493 14,102 Commercial loans: Real estate - nonresidential 1,885 1,942 Commercial business 310 327 2,195 2,269 Consumer: Home equity and junior liens 1,163 1,406 Other consumer 163 190 1,326 1,596 Total acquired loans 16,014 17,967 Net deferred loan costs (65) (67) Fair value credit and yield adjustment (339) (356) Net acquired loans $ 15,610 $ 17,544 March 31, December 31, (In thousands) 2021 2020 Total Loans Residential mortgages: One-to-four family $ 122,533 $ 127,356 122,533 127,356 Commercial loans: Real estate - nonresidential 24,405 24,754 Multi-family 2,331 5,125 Commercial business 19,576 20,505 46,312 50,384 Consumer: Home equity and junior liens 10,365 11,387 Manufactured homes 46,608 44,347 Automobile 22,421 21,469 Student 2,304 2,259 Recreational vehicle 17,043 14,557 Other consumer 4,408 4,271 103,149 98,290 Total Loans 271,994 276,030 Net deferred loan costs 12,593 11,787 Fair value credit and yield adjustment (339) (356) Less allowance for loan losses (1,881) (1,821) Loans receivable, net $ 282,367 $ 285,640
Summary of loan portfolio by Company’s internal risk rating system	March 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans Residential mortgages: One-to-four family $ 106,706 $ 943 $ 2,391 $ — $ 110,040 106,706 943 2,391 — 110,040 Commercial loans: Real estate - nonresidential 15,419 4,568 2,533 — 22,520 Multi-family 2,331 — — — 2,331 Commercial business 16,360 825 2,081 — 19,266 34,110 5,393 4,614 — 44,117 Consumer: Home equity and junior liens 9,042 92 68 — 9,202 Manufactured homes 46,608 — — — 46,608 Automobile 22,381 17 23 — 22,421 Student 2,304 — — — 2,304 Recreational vehicle 17,043 — — — 17,043 Other consumer 4,237 3 5 — 4,245 101,615 112 96 — 101,823 Total originated loans $ 242,431 $ 6,448 $ 7,101 $ — $ 255,980 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans Residential mortgages: One-to-four family $ 12,065 $ 142 $ 286 $ — $ 12,493 12,065 142 286 — 12,493 Commercial loans: Real estate - nonresidential 1,885 — — — 1,885 Commercial business 310 — — — 310 2,195 — — — 2,195 Consumer: Home equity and junior liens 1,128 — 35 — 1,163 Other consumer 161 — 2 — 163 1,289 — 37 — 1,326 Total acquired loans $ 15,549 $ 142 $ 323 $ — $ 16,014 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans Residential mortgages: One-to-four family $ 118,771 $ 1,085 $ 2,677 $ — $ 122,533 118,771 1,085 2,677 — 122,533 Commercial loans: Real estate - nonresidential 17,304 4,568 2,533 — 24,405 Multi-family 2,331 — — — 2,331 Commercial business 16,670 825 2,081 — 19,576 36,305 5,393 4,614 — 46,312 Consumer: Home equity and junior liens 10,170 92 103 — 10,365 Manufactured homes 46,608 — — — 46,608 Automobile 22,381 17 23 — 22,421 Student 2,304 — — — 2,304 Recreational vehicle 17,043 — — — 17,043 Other consumer 4,398 3 7 — 4,408 102,904 112 133 — 103,149 Total loans $ 257,980 $ 6,590 $ 7,424 $ — $ 271,994 December 31, 2020 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans Residential mortgages: One-to-four family $ 109,752 $ 627 $ 2,875 $ — $ 113,254 109,752 627 2,875 — 113,254 Commercial loans: Real estate - nonresidential 15,597 4,433 2,782 — 22,812 Multi-family 5,083 — 42 — 5,125 Commercial business 17,009 842 2,327 — 20,178 37,689 5,275 5,151 — 48,115 Consumer: Home equity and junior liens 9,923 — 58 — 9,981 Manufactured homes 44,272 — 75 — 44,347 Automobile 21,432 4 33 — 21,469 Student 2,259 — — — 2,259 Recreational vehicle 14,527 30 — — 14,557 Other consumer 4,046 4 31 — 4,081 96,459 38 197 — 96,694 Total originated loans $ 243,900 $ 5,940 $ 8,223 $ — $ 258,063 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans Residential mortgages: One-to-four family $ 13,669 $ 63 $ 370 $ — $ 14,102 13,669 63 370 — 14,102 Commercial loans: Real estate - nonresidential 1,942 — — — 1,942 Commercial business 327 — — — 327 2,269 — — — 2,269 Consumer: Home equity and junior liens 1,362 — 44 — 1,406 Other consumer 190 — — — 190 1,552 — 44 — 1,596 Total acquired loans $ 17,490 $ 63 $ 414 $ — $ 17,967 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans Residential mortgages: One-to-four family $ 123,421 $ 690 $ 3,245 $ — $ 127,356 123,421 690 3,245 — 127,356 Commercial loans: Real estate - nonresidential 17,539 4,433 2,782 — 24,754 Multi-family 5,083 — 42 — 5,125 Commercial business 17,336 842 2,327 — 20,505 39,958 5,275 5,151 — 50,384 Consumer: Home equity and junior liens 11,285 — 102 — 11,387 Manufactured homes 44,272 — 75 — 44,347 Automobile 21,432 4 33 — 21,469 Student 2,259 — — — 2,259 Recreational vehicle 14,527 30 — — 14,557 Other consumer 4,236 4 31 — 4,271 98,011 38 241 — 98,290 Total loans $ 261,390 $ 6,003 $ 8,637 $ — $ 276,030
Schedule of age analysis of past due loans, segregated by class of loans	March 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans Residential mortgage loans: One-to-four family $ 2,043 $ 268 $ 2,391 $ 4,702 $ 105,338 $ 110,040 2,043 268 2,391 4,702 105,338 110,040 Commercial loans: Real estate - nonresidential 208 66 869 1,143 21,377 22,520 Multi-family — — — — 2,331 2,331 Commercial business 436 55 561 1,052 18,214 19,266 644 121 1,430 2,195 41,922 44,117 Consumer loans: Home equity and junior liens 33 74 68 175 9,027 9,202 Manufactured homes 278 116 — 394 46,214 46,608 Automobile 140 32 23 195 22,226 22,421 Student — — — — 2,304 2,304 Recreational vehicle 123 — — 123 16,920 17,043 Other consumer 42 3 3 48 4,197 4,245 616 225 94 935 100,888 101,823 Total originated loans $ 3,303 $ 614 $ 3,915 $ 7,832 $ 248,148 $ 255,980 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans Residential mortgage loans: One-to-four family $ 139 $ 28 $ 286 $ 453 $ 12,040 $ 12,493 139 28 286 453 12,040 12,493 Commercial loans: Real estate - nonresidential — — — — 1,885 1,885 Commercial business — — — — 310 310 — — — — 2,195 2,195 Consumer loans: Home equity and junior liens 4 — 35 39 1,124 1,163 Other consumer — — 2 2 161 163 4 — 37 41 1,285 1,326 Total acquired loans $ 143 $ 28 $ 323 $ 494 $ 15,520 $ 16,014 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans Residential mortgage loans: One-to-four family $ 2,182 $ 296 $ 2,677 $ 5,155 $ 117,378 $ 122,533 2,182 296 2,677 5,155 117,378 122,533 Commercial loans: Real estate - nonresidential 208 66 869 1,143 23,262 24,405 Multi-family — — — — 2,331 2,331 Commercial business 436 55 561 1,052 18,524 19,576 644 121 1,430 2,195 44,117 46,312 Consumer loans: Home equity and junior liens 37 74 103 214 10,151 10,365 Manufactured homes 278 116 — 394 46,214 46,608 Automobile 140 32 23 195 22,226 22,421 Student — — — — 2,304 2,304 Recreational vehicle 123 — — 123 16,920 17,043 Other consumer 42 3 5 50 4,358 4,408 620 225 131 976 102,173 103,149 Total loans $ 3,446 $ 642 $ 4,238 $ 8,326 $ 263,668 $ 271,994 December 31, 2020 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans Residential mortgage loans: One-to-four family $ 2,345 $ 691 $ 2,875 $ 5,911 $ 107,343 $ 113,254 2,345 691 2,875 5,911 107,343 113,254 Commercial loans: Real estate - nonresidential 66 66 1,103 1,235 21,577 22,812 Multi-family — — 42 42 5,083 5,125 Commercial business 139 — 688 827 19,351 20,178 205 66 1,833 2,104 46,011 48,115 Consumer loans: Home equity and junior liens 92 23 58 173 9,808 9,981 Manufactured homes 944 440 75 1,459 42,888 44,347 Automobile 188 21 33 242 21,227 21,469 Student — — — — 2,259 2,259 Recreational vehicle 229 30 — 259 14,298 14,557 Other consumer 3 4 29 36 4,045 4,081 1,456 518 195 2,169 94,525 96,694 Total originated loans $ 4,006 $ 1,275 $ 4,903 $ 10,184 $ 247,879 $ 258,063 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans Residential mortgage loans: One-to-four family $ 223 $ 48 $ 370 $ 641 $ 13,461 $ 14,102 Commercial loans: 223 48 370 641 13,461 14,102 Real estate - nonresidential Commercial business — — — — 1,942 1,942 Other commercial and industrial — 15 — 15 312 327 — 15 — 15 2,254 2,269 Consumer loans: Home equity and junior liens 46 6 44 96 1,310 1,406 Other consumer — — 2 2 188 190 46 6 46 98 1,498 1,596 Total acquired loans $ 269 $ 69 $ 416 $ 754 $ 17,213 $ 17,967 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans Residential mortgage loans: One-to-four family $ 2,568 $ 739 $ 3,245 $ 6,552 $ 120,804 $ 127,356 2,568 739 3,245 6,552 120,804 127,356 Commercial loans: Real estate - nonresidential 66 66 1,103 1,235 23,519 24,754 Multi-family — — 42 42 5,083 5,125 Commercial business 139 15 688 842 19,663 20,505 205 81 1,833 2,119 48,265 50,384 Consumer loans: Home equity and junior liens 138 29 102 269 11,118 11,387 Manufactured homes 944 440 75 1,459 42,888 44,347 Automobile 188 21 33 242 21,227 21,469 Student — — — — 2,259 2,259 Recreational vehicle 229 30 — 259 14,298 14,557 Other consumer 3 4 31 38 4,233 4,271 1,502 524 241 2,267 96,023 98,290 Total loans $ 4,275 $ 1,344 $ 5,319 $ 10,938 $ 265,092 $ 276,030
Non-accrual loans, segregated by class of loan	March 31, December 31, (In thousands) 2021 2020 Residential mortgage loans: One-to-four family $ 2,677 $ 3,245 2,677 3,245 Commercial loans: Real estate - nonresidential 869 1,103 Multi-family — 42 Commercial business 561 688 1,430 1,833 Consumer loans: Home equity and junior liens 103 102 Manufactured homes — 75 Automobile 23 33 Other consumer 5 31 131 241 Total non-accrual loans $ 4,238 $ 5,319
Summary of impaired loans information by portfolio class	March 31, 2021 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One-to-four family residential mortgages $ 2,350 $ 2,451 $ — Commercial real estate - nonresidential 869 1,219 — Commercial business 1,708 1,708 — Home equity and junior liens 103 103 — With an allowance recorded: One-to-four family residential mortgages 201 201 18 Commercial real estate - nonresidential 1,919 1,919 66 Commercial business 469 469 210 Other consumer 5 5 2 Total: One-to-four family residential mortgages 2,551 2,652 18 Commercial real estate - nonresidential 2,788 3,138 66 Commercial business 2,177 2,177 210 Home equity and junior liens 103 103 — Other consumer 5 5 2 $ 7,624 $ 8,075 $ 296 December 31, 2020 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One-to-four family residential mortgages $ 2,836 $ 2,937 $ — Commercial real estate - nonresidential 1,198 1,548 — Commercial business 782 782 — Home equity and junior liens 109 109 — With an allowance recorded: One-to-four family residential mortgages 429 429 21 Multi-family 42 42 7 Commercial business 713 713 265 Automobile 41 41 10 Other consumer 2 2 2 Total: One-to-four family residential mortgages 3,265 3,366 21 Commercial real estate - nonresidential 1,198 1,548 — Multi-family 42 42 7 Commercial business 1,495 1,495 265 Home equity and junior liens 109 109 — Automobile 41 41 10 Other consumer 2 2 2 $ 6,152 $ 6,603 $ 305 The following table presents the average recorded investment in impaired loans: Three Months Ended March 31, (In thousands) 2021 2020 One-to-four family residential mortgages $ 2,175 $ 2,194 Commercial real estate - nonresidential 1,285 2,827 Multi-family — — Commercial business 2,228 2,066 Home equity and junior liens 104 126 Automobile — — Other consumer 5 — 5,797 $ 7,213 The following table presents interest income recognized on impaired loans: Three Months Ended March 31, (In thousands) 2021 2020 One-to-four family residential mortgages $ 17 $ 20 Commercial real estate - nonresidential 16 17 Commercial business 15 18 Home equity and junior liens 1 1 $ 49 $ 56

Allowance for Loan Loss (Tables

Allowance for Loan Loss (Tables)	3 Months Ended
	Mar. 31, 2021
Allowance for Loan Loss
Changes in the allowance for loan losses	Three Months Ended March 31, 2021 One-to-four Construction Commercial Commercial family residential real estate real estate Construction Commercial (In thousands) residential mortgage nonresidential multi-family commercial business Allowance for loan losses: Beginning Balance $ 457 $ — $ 319 $ 26 $ — $ 617 Charge-offs (3) — (51) — — (17) Recoveries 1 — — 6 — 7 Provision (credit) for loan losses 85 — 120 (21) — (77) Ending balance $ 540 $ — $ 388 $ 11 $ — $ 530 Ending balance: related to loans individually evaluated for impairment $ 18 $ — $ 66 $ — $ — $ 210 Ending balance: related to loans collectively evaluated for impairment $ 522 $ — $ 322 $ 11 $ — $ 320 Loans receivable: Ending balance $ 122,533 $ — $ 24,405 $ 2,331 $ — $ 19,576 Ending balance: individually evaluated for impairment $ 2,551 $ — $ 2,788 $ — $ — $ 2,177 Ending balance: collectively evaluated for impairment $ 119,982 $ — $ 21,617 $ 2,331 $ — $ 17,399 Three Months Ended March 31, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Charge-offs (2) — (2) — — (33) — (108) Recoveries — — 10 1 7 1 — 33 Provision (credit) for loan losses 4 5 2 1 (7) 23 — 135 Ending balance $ 48 $ 81 $ 137 $ 71 $ — $ 75 $ — $ 1,881 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ 2 $ — $ 296 Ending balance: related to loans collectively evaluated for impairment $ 48 $ 81 $ 137 $ 71 $ — $ 73 $ — $ 1,585 Loans receivable: Ending balance $ 10,365 $ 46,608 $ 22,421 $ 2,304 $ 17,043 $ 4,408 $ — $ 271,994 Ending balance: individually evaluated for impairment $ 103 $ — $ — $ — $ — $ 5 $ — $ 7,624 Ending balance: collectively evaluated for impairment $ 10,262 $ 46,608 $ 22,421 $ 2,304 $ 17,043 $ 4,403 $ — $ 264,370 Year Ended December 31, 2020 One-to-four Construction Commercial Commercial family residential real estate real estate Construction Commercial (In thousands) residential mortgage nonresidential multi-family commercial business Allowance for loan losses: Beginning Balance $ 375 $ 2 $ 421 $ 17 $ — $ 527 Charge-offs (89) — (398) — — (15) Recoveries 4 — — 19 — 140 Provision (credit) for loan losses 167 (2) 296 (10) — (35) Ending balance $ 457 $ — $ 319 $ 26 $ — $ 617 Ending balance: related to loans individually evaluated for impairment $ 21 $ — $ — $ 7 $ — $ 265 Ending balance: related to loans collectively evaluated for impairment $ 436 $ — $ 319 $ 19 $ — $ 352 Loans receivable: Ending balance $ 127,356 $ — $ 24,754 $ 5,125 $ — $ 20,505 Ending balance: individually evaluated for impairment $ 3,265 $ — $ 1,198 $ 42 $ — $ 1,495 Ending balance: collectively evaluated for impairment $ 124,091 $ — $ 23,556 $ 5,083 $ — $ 19,010 Year Ended December 31, 2020 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 50 $ — $ 142 $ 69 $ — $ 35 $ 22 $ 1,660 Charge-offs (9) — (54) — (14) (4) — (583) Recoveries 12 — 71 3 6 9 — 264 Provision (credit) for loan losses (7) 76 (32) (3) 8 44 (22) 480 Ending balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Ending balance: related to loans individually evaluated for impairment $ — $ — $ 10 $ — $ — $ 2 $ — $ 305 Ending balance: related to loans collectively evaluated for impairment $ 46 $ 76 $ 117 $ 69 $ — $ 82 $ — $ 1,516 Loans receivable: Ending balance $ 11,387 $ 44,347 $ 21,469 $ 2,259 $ 14,557 $ 4,271 $ — $ 276,030 Ending balance: individually evaluated for impairment $ 109 $ — $ 41 $ — $ — $ 2 $ — $ 6,152 Ending balance: collectively evaluated for impairment $ 11,278 $ 44,347 $ 21,428 $ 2,259 $ 14,557 $ 4,269 $ — $ 269,878

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	3 Months Ended
	Mar. 31, 2021
Employee Benefit Plans
Schedule of net periodic expenses recognized in income	Generations Bank Plan: Three Months Ended March 31, (In thousands) 2021 2020 Net periodic expenses recognized in income: (unaudited) Service cost $ 115 $ 103 Interest cost 105 112 Expected return on plan assets (370) (335) Amortization of net losses 28 34 Amortization of prior service credit - - Net periodic pension benefit $ (122) $ (86) Medina Savings and Loan Plan: Three Months Ended March 31, (In thousands) 2021 2020 Net periodic expenses recognized in income: (unaudited) Service cost $ 8 $ 7 Interest cost 32 36 Expected return on plan assets (116) (108) Amortization of net losses - - Amortization of prior service credit - - Net periodic pension benefit $ (76) $ (65)

Regulatory Capital (Tables)

Regulatory Capital (Tables)	3 Months Ended
	Mar. 31, 2021
Regulatory Capital
Summary of actual capital amounts and ratios	Minimum To Be "Well- Minimum Capitalized" For Capital Under Prompt Actual Adequacy Purposes Corrective Provisions (in thousands) Amount Ratio Amount Ratio Amount Ratio As of March 31, 2021 Common Equity Tier 1 Capital $ 40,097 15.23 % $ 15,795 6.00 % $ 21,060 8.00 % Total Capital (to Risk-Weighted Assets) $ 41,978 15.95 % $ 21,060 8.00 % $ 26,325 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 40,097 15.23 % $ 11,846 4.50 % $ 17,112 6.50 % Tier 1 Capital (to Total Adjusted Assets) $ 40,097 10.63 % $ 15,087 4.00 % $ 18,859 5.00 % As of December 31, 2020: Common Equity Tier 1 Capital $ 31,942 12.18 % $ 15,730 6.00 % $ 20,974 8.00 % Total Capital (to Risk-Weighted Assets) $ 33,768 12.88 % $ 20,974 8.00 % $ 26,217 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 31,942 12.18 % $ 11,798 4.50 % $ 10,741 6.50 % Tier 1 Capital (to Total Adjusted Assets) $ 31,942 8.72 % $ 14,648 4.00 % $ 18,310 5.00 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	3 Months Ended
	Mar. 31, 2021
Commitments and Contingencies
Financial instruments whose contract amounts represent credit risk	March 31, December 31, (In thousands) 2021 2020 Commitments to grant loans $ 3,318 $ 4,009 Unfunded commitments under lines of credit 15,189 14,823

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	3 Months Ended
	Mar. 31, 2021
Revenue from Contracts with Customers
Schedule of disaggregation of revenue	Three Months Ended March 31, (In thousands) 2021 2020 Service charges on deposit accounts $ 135 $ 183 Debit card interchange and surcharge income 211 169 Investment services income — 57 Insurance commission and fees 174 216 Loan servicing fees 26 36 $ 546 $ 661

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	3 Months Ended
	Mar. 31, 2021
Fair Value Disclosures
Schedule of carrying amount and estimated fair value of the Company’s financial instrument	March 31, 2021 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 24,972 $ 24,972 $ — $ — $ 24,972 Securities available-for-sale 32,774 — 29,389 3,385 32,774 Securities held-to-maturity 1,390 — 1,424 — 1,424 Equity securities 309 309 — — 309 Loans receivable 282,367 — — 277,614 277,614 Federal Home Loan Bank 1,868 — 1,868 — 1,868 Accrued interest receivable 1,299 1,299 — — 1,299 Financial liabilities: Deposits $ 310,944 $ 90,795 $ — $ 219,703 $ 310,498 Long-term borrowings 25,307 — 28,255 — 28,255 Accrued interest payable 60 60 — — 60 December 31, 2020 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 26,830 $ 26,830 $ — $ — $ 26,830 Securities available-for-sale 17,926 — 14,752 3,174 17,926 Securities held-to-maturity 1,480 — 1,510 — 1,510 Equity securities 661 661 — — 661 Loans receivable 285,640 — — 280,887 280,887 Federal Home Loan Bank 1,992 — 1,992 — 1,992 Accrued interest receivable 1,179 1,179 — — 1,179 Financial liabilities: Deposits $ 309,546 $ 97,418 $ — $ 213,757 $ 311,175 Long-term borrowings 27,628 — 30,053 — 30,053 Subordinated debt 1,235 — 1,235 — 1,235 Accrued interest payable 52 52 — — 52
Schedule of assets measured at fair value on a recurring basis	March 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: Debt investment securities: Residential mortgage-backed - US agency and GSEs $ — $ 37 $ — $ 37 Corporate Bonds — 15,023 — 15,023 Municipal bonds — 14,329 3,385 17,714 Equity investment securities: Large cap equity mutual fund 38 — — 38 Other mutual funds 271 — — 271 Total investment securities $ 309 $ 29,389 $ 3,385 $ 33,083 December 31, 2020 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: Debt investment securities: Residential mortgage-backed - US agency and GSEs $ — $ 39 $ — $ 39 Municipal bonds — 14,713 3,174 17,887 Equity investment securities: Large cap equity mutual fund 35 — — 35 Other mutual funds 626 — — 626 Total investment securities $ 661 $ 14,752 $ 3,174 $ 18,587
Schedule of changes in Level 3 assets measured at estimated fair value on a recurring basis	Investment (In thousands) Securities Balance - January 1, 2021 $ 3,174 Total gains realized/unrealized: Included in earnings — Included in other comprehensive income 50 Purchases 826 Principal payments/maturities (665) Sales — Balance - March 31, 2021 $ 3,385 Investment (In thousands) Securities Balance - January 1, 2020 $ 2,512 Total gains realized/unrealized: Included in earnings — Included in other comprehensive income (9) Purchases 848 Principal payments/maturities (848) Sales — Balance - March 31, 2020 $ 2,503
Schedule of assets measured at fair value on a nonrecurring basis	At March 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 3,112 $ 3,112 Foreclosed real estate & repossessed assets — — 45 45 December 31, 2020 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 1,663 $ 1,663 Foreclosed real estate & repossessed assets — — 45 45
Schedule of quantitative Information about Level 3 Fair Value Measurements	Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (20)% One-to four-family residential Costs to Sell 5% - 15% (10)% Impaired loans - Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Real estate - nonresidential Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)% Impaired loans - USDA Guarantee Government guaranteed portion 20% (20)% Commercial business Foreclosed real estate and repossessed assets Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)%

Segment Information (Tables)

Segment Information (Tables)	3 Months Ended
	Mar. 31, 2021
Segment Information
Summary of information about segments	Three Months Ended March 31, 2021 2020 Community Municipal Community Municipal Banking Insurance Banking Banking Insurance Banking (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income $ 2,780 $ — $ 63 $ 2,843 $ 2,342 $ — $ 125 $ 2,467 Provision for loan losses 135 — — 135 90 — — 90 Net interest income after provision for loan losses 2,645 — 63 2,708 2,252 — 125 2,377 Total noninterest income 439 173 — 612 267 218 — 485 Compensation and benefits (1,158) (101) — (1,259) (1,401) (84) (19) (1,504) Other noninterest expense (1,561) (37) (31) (1,629) (1,554) (48) (22) (1,624) (Loss) income before income taxes 365 35 32 432 (436) 86 84 (266) Provision for income taxes 72 — 7 79 (276) — — (276) Net (loss) income $ 293 $ 35 $ 25 $ 353 $ (160) $ 86 $ 84 $ 10
Schedule of reconciliation of the Company’s reported segment assets	At March 31, At December 31, (In thousands) 2021 2020 Total assets for reportable segments $ 400,036 $ 391,536 Elimination of intercompany balances (18,096) (18,522) Consolidated total assets $ 381,940 $ 373,014

Nature of Operations (Details)

Nature of Operations (Details) $ in Millions	Jan. 13, 2021USD ($)shares	Dec. 31, 2020shares	Mar. 31, 2021shares	Jul. 31, 2020
Related Party Transaction [Line Items]
Number of common stocks sold | shares		1,477,575	1,477,575
Exchange ratio of shares	0.9980		0.9980
Gross offering proceeds from sale of stocks | $	$ 14.8
Net proceeds from sale | $	$ 13.2
Seneca-Cayuga Bancorp, Inc. (the “Holding Company”)
Related Party Transaction [Line Items]
Number of common stocks sold | shares	109,450		109,450
Seneca Falls Savings Bank, MHC (the “Mutual Holding Company”) | Seneca-Cayuga Bancorp, Inc. (the “Holding Company”)
Related Party Transaction [Line Items]
Percentage of holding				60.10%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Changes in the components of accumulated other comprehensive income (loss), net of tax
Beginning balance	$ 29,886	$ 28,231
Net current-period other comprehensive income (loss)	10	363
Ending balance	41,947	28,582
Accumulated Other Comprehensive Loss
Changes in the components of accumulated other comprehensive income (loss), net of tax
Beginning balance	(1,415)	(1,662)
Other comprehensive (loss) gain before reclassifications	(13)	336
Amounts reclassified from AOCI to the income statement	23	27
Net current-period other comprehensive income (loss)	10	363
Ending balance	(1,405)	(1,299)
Defined Benefit Pension Plan
Changes in the components of accumulated other comprehensive income (loss), net of tax
Beginning balance	(2,138)	(2,320)
Amounts reclassified from AOCI to the income statement	23	27
Net current-period other comprehensive income (loss)	23	27
Ending balance	(2,115)	(2,293)
Securities Available-for-Sale
Changes in the components of accumulated other comprehensive income (loss), net of tax
Beginning balance	723	658
Other comprehensive (loss) gain before reclassifications	(13)	336
Net current-period other comprehensive income (loss)	(13)	336
Ending balance	$ 710	$ 994

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) - Amounts Reclassified From AOCI (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Accumulated Other Comprehensive Income (Loss) - Amounts Reclassified From AOCI
Retirement plan net losses recognized in net periodic pension cost	$ 1,259	$ 1,504
Tax effect	79	(276)
Amounts Reclassified From AOCI | Defined Benefit Pension Plan
Accumulated Other Comprehensive Income (Loss) - Amounts Reclassified From AOCI
Retirement plan net losses recognized in net periodic pension cost	29	34
Tax effect	(6)	(7)
Net loss defined benefit pension plan	$ 23	$ 27

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Earnings Per Common Share
Weighted-average number of common shares outstanding	2,360,000	2,451,000
Dilutive Securities, Effect on Basic Earnings Per Share, Options and Restrictive Stock Units	$ 0	$ 0

Securities - Securities availab

Securities - Securities available-for-sale and held-to-maturity (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Securities available-for-sale:
Amortized Cost	$ 31,874	$ 17,010
Gross Unrealized Gains	1,116	918
Gross Unrealized Losses	(216)	(2)
Debt Securities, Available-for-sale, Total	32,774	17,926
Securities held-to-maturity:
Held-to-maturity securities Amortized Cost	1,390	1,480
Held-to-maturity securities Gross Unrealized Gains	37	33
Held-to-maturity securities Gross Unrealized Losses	(3)	(3)
Held-to-maturity securities Fair Value	1,424	1,510
Equity securities:
Equity securities amortized Cost	309	661
Equity securities	309	661
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Amortized Cost	37	39
Gross Unrealized Gains	1	1
Gross Unrealized Losses	(1)	(1)
Debt Securities, Available-for-sale, Total	37	39
Securities held-to-maturity:
Held-to-maturity securities Amortized Cost	1,390	1,480
Held-to-maturity securities Gross Unrealized Gains	37	33
Held-to-maturity securities Gross Unrealized Losses	(3)	(3)
Held-to-maturity securities Fair Value	1,424	1,510
Corporate Bonds
Securities available-for-sale:
Amortized Cost	14,894
Gross Unrealized Gains	238
Gross Unrealized Losses	(109)
Debt Securities, Available-for-sale, Total	15,023
State and political subdivisions
Securities available-for-sale:
Amortized Cost	16,943	16,971
Gross Unrealized Gains	877	917
Gross Unrealized Losses	(106)	(1)
Debt Securities, Available-for-sale, Total	17,714	17,887
Large cap equity mutual fund
Equity securities:
Equity securities amortized Cost	38	35
Equity securities	38	35
Other mutual funds
Equity securities:
Equity securities amortized Cost	271	626
Equity securities	$ 271	$ 626

Securities - Gross unrealized l

Securities - Gross unrealized losses on investment securities and the fair value (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	$ 13,443	$ 1,090
Fair Value of more than 12 months	2	2
Total Fair Value	13,445	1,092
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(216)	(2)
Total Gross unrealized losses	(216)	(2)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less	134	150
Fair Value more than 12 months	85	97
Total Fair Value	219	247
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less	(2)	(1)
Gross unrealized losses more than 12 months	(1)	(1)
Total Gross unrealized losses	(3)	(2)
Residential mortgage-backed - US agency and GSEs
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	23	24
Fair Value of more than 12 months	2	2
Total Fair Value	25	26
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(1)	(1)
Total Gross unrealized losses	(1)	(1)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less	134	150
Fair Value more than 12 months	85	97
Total Fair Value	219	247
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less	(2)	(1)
Gross unrealized losses more than 12 months	(1)	(1)
Total Gross unrealized losses	(3)	(2)
Corporate Bonds
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	8,665
Total Fair Value	8,665
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(109)
Total Gross unrealized losses	(109)
State and political subdivisions
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	4,755	1,066
Total Fair Value	4,755	1,066
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(106)	(1)
Total Gross unrealized losses	$ (106)	$ (1)

Securities - Narrative (Details

Securities - Narrative (Details)	3 Months Ended
	Mar. 31, 2021USD ($)security
Debt Securities, Available-for-sale [Line Items]
Number of government-backed securities	18
Term of Contractual Maturity of Debt Securities	20 years
Residential mortgage-backed - US agency and GSEs
Debt Securities, Available-for-sale [Line Items]
Number of government-backed securities	11
Each government-backed securities | Maximum
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Unrealized Gain (Loss) | $	$ 700

Securities - Amortized cost and

Securities - Amortized cost and estimated fair values of debt securities (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Amortized Cost [Abstract]
Due in one year or less	$ 124
Due over one year through five years	3,374
Due over five through ten years	6,348
Due after ten years	21,991
Total	31,837
Residential mortgage-backed securities	37
Total	31,874	$ 17,010
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value [Abstract]
Due in one year or less	125
Due over one year through five years	3,386
Due over five through ten years	6,509
Due after ten years	22,717
Total	32,737
Residential mortgage-backed securities	37
Debt Securities, Available-for-sale, Total	32,774	17,926
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Amortized Cost [Abstract]
Residential mortgage-backed securities	1,390
Debt Securities, Held-to-maturity, Total	1,390	1,480
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Fair Value [Abstract]
Residential mortgage-backed securities	1,424
Held-to-maturity securities Fair Value	$ 1,424	$ 1,510

Securities - Gross realized gai

Securities - Gross realized gains (losses) on sales and redemptions (Details) - USD ($)	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Securities
Gross realized gains (losses) on sales and redemptions	$ 0	$ 0
Fair value of securities pledged as collateral	$ 6,966,965		$ 6,969,058

Loans Receivable - Major classi

Loans Receivable - Major classifications of loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 271,994	$ 276,030
Net deferred loan costs	12,593	11,787
Fair value credit and yield adjustment	(339)	(356)
Less: Allowance for loan losses	(1,881)	(1,821)	$ (1,660)
Loans receivable, net	282,367	285,640
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	122,533	127,356
Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	122,533	127,356
Less: Allowance for loan losses	(540)	(457)	(375)
Residential | Construction
Loans and Leases Receivable Disclosure [Line Items]
Less: Allowance for loan losses			(2)
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	46,312	50,384
Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	24,405	24,754
Less: Allowance for loan losses	(388)	(319)	(421)
Commercial | Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,331	5,125
Less: Allowance for loan losses	(11)	(26)	(17)
Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	19,576	20,505
Less: Allowance for loan losses	(530)	(617)	(527)
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	103,149	98,290
Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,365	11,387
Less: Allowance for loan losses	(48)	(46)	(50)
Consumer | Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	46,608	44,347
Less: Allowance for loan losses	(81)	(76)
Consumer | Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,421	21,469
Less: Allowance for loan losses	(137)	(127)	(142)
Consumer | Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,304	2,259
Less: Allowance for loan losses	(71)	(69)	(69)
Consumer | Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,043	14,557
Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,408	4,271
Less: Allowance for loan losses	(75)	(84)	$ (35)
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	255,980	258,063
Net deferred loan costs	12,658	11,854
Less: Allowance for loan losses	(1,881)	(1,821)
Loans receivable, net	266,757	268,096
Originated | Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	110,040	113,254
Originated | Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	110,040	113,254
Originated | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	44,117	48,115
Originated | Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,520	22,812
Originated | Commercial | Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,331	5,125
Originated | Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	19,266	20,178
Originated | Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	101,823	96,694
Originated | Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,202	9,981
Originated | Consumer | Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	46,608	44,347
Originated | Consumer | Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,421	21,469
Originated | Consumer | Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,304	2,259
Originated | Consumer | Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,043	14,557
Originated | Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,245	4,081
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	16,014	17,967
Net deferred loan costs	(65)	(67)
Fair value credit and yield adjustment	(339)	(356)
Loans receivable, net	15,610	17,544
Acquired | Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	12,493	14,102
Acquired | Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	12,493	14,102
Acquired | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,195	2,269
Acquired | Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,885	1,942
Acquired | Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	310	327
Acquired | Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,326	1,596
Acquired | Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,163	1,406
Acquired | Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 163	$ 190

Loans Receivable - Loan portfol

Loans Receivable - Loan portfolio (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 271,994	$ 276,030
Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	257,980	261,390
Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,590	6,003
Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,424	8,637
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	122,533	127,356
Residential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,771	123,421
Residential | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,085	690
Residential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,677	3,245
Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	122,533	127,356
Residential | One- to four-family | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,771	123,421
Residential | One- to four-family | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,085	690
Residential | One- to four-family | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,677	3,245
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	46,312	50,384
Commercial | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	36,305	39,958
Commercial | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,393	5,275
Commercial | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,614	5,151
Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	24,405	24,754
Commercial | Real estate - nonresidential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,304	17,539
Commercial | Real estate - nonresidential | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,568	4,433
Commercial | Real estate - nonresidential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,533	2,782
Commercial | Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,331	5,125
Commercial | Multi-family | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,331	5,083
Commercial | Multi-family | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans		42
Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	19,576	20,505
Commercial | Commercial business | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	16,670	17,336
Commercial | Commercial business | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	825	842
Commercial | Commercial business | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,081	2,327
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	103,149	98,290
Consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	102,904	98,011
Consumer | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	112	38
Consumer | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	133	241
Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,365	11,387
Consumer | Home equity and junior liens | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,170	11,285
Consumer | Home equity and junior liens | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	92
Consumer | Home equity and junior liens | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	103	102
Consumer | Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	46,608	44,347
Consumer | Manufactured homes | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	46,608	44,272
Consumer | Manufactured homes | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans		75
Consumer | Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,421	21,469
Consumer | Automobile | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,381	21,432
Consumer | Automobile | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17	4
Consumer | Automobile | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23	33
Consumer | Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,304	2,259
Consumer | Student | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,304	2,259
Consumer | Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,043	14,557
Consumer | Recreational Vehicle | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,043	14,527
Consumer | Recreational Vehicle | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans		30
Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,408	4,271
Consumer | Other consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,398	4,236
Consumer | Other consumer | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3	4
Consumer | Other consumer | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7	31
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	255,980	258,063
Originated | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	242,431	243,900
Originated | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,448	5,940
Originated | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,101	8,223
Originated | Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	110,040	113,254
Originated | Residential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	106,706	109,752
Originated | Residential | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	943	627
Originated | Residential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,391	2,875
Originated | Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	110,040	113,254
Originated | Residential | One- to four-family | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	106,706	109,752
Originated | Residential | One- to four-family | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	943	627
Originated | Residential | One- to four-family | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,391	2,875
Originated | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	44,117	48,115
Originated | Commercial | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	34,110	37,689
Originated | Commercial | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,393	5,275
Originated | Commercial | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,614	5,151
Originated | Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,520	22,812
Originated | Commercial | Real estate - nonresidential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,419	15,597
Originated | Commercial | Real estate - nonresidential | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,568	4,433
Originated | Commercial | Real estate - nonresidential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,533	2,782
Originated | Commercial | Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,331	5,125
Originated | Commercial | Multi-family | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,331	5,083
Originated | Commercial | Multi-family | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans		42
Originated | Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	19,266	20,178
Originated | Commercial | Commercial business | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	16,360	17,009
Originated | Commercial | Commercial business | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	825	842
Originated | Commercial | Commercial business | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,081	2,327
Originated | Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	101,823	96,694
Originated | Consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	101,615	96,459
Originated | Consumer | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	112	38
Originated | Consumer | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	96	197
Originated | Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,202	9,981
Originated | Consumer | Home equity and junior liens | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,042	9,923
Originated | Consumer | Home equity and junior liens | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	92
Originated | Consumer | Home equity and junior liens | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	68	58
Originated | Consumer | Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	46,608	44,347
Originated | Consumer | Manufactured homes | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	46,608	44,272
Originated | Consumer | Manufactured homes | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans		75
Originated | Consumer | Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,421	21,469
Originated | Consumer | Automobile | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,381	21,432
Originated | Consumer | Automobile | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17	4
Originated | Consumer | Automobile | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23	33
Originated | Consumer | Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,304	2,259
Originated | Consumer | Student | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,304	2,259
Originated | Consumer | Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,043	14,557
Originated | Consumer | Recreational Vehicle | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,043	14,527
Originated | Consumer | Recreational Vehicle | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans		30
Originated | Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,245	4,081
Originated | Consumer | Other consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,237	4,046
Originated | Consumer | Other consumer | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3	4
Originated | Consumer | Other consumer | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5	31
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	16,014	17,967
Acquired | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,549	17,490
Acquired | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	142	63
Acquired | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	323	414
Acquired | Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	12,493	14,102
Acquired | Residential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	12,065	13,669
Acquired | Residential | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	142	63
Acquired | Residential | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	286	370
Acquired | Residential | One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	12,493	14,102
Acquired | Residential | One- to four-family | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	12,065	13,669
Acquired | Residential | One- to four-family | Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	142	63
Acquired | Residential | One- to four-family | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	286	370
Acquired | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,195	2,269
Acquired | Commercial | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,195	2,269
Acquired | Commercial | Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,885	1,942
Acquired | Commercial | Real estate - nonresidential | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,885	1,942
Acquired | Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	310	327
Acquired | Commercial | Commercial business | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	310	327
Acquired | Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,326	1,596
Acquired | Consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,289	1,552
Acquired | Consumer | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	37	44
Acquired | Consumer | Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,163	1,406
Acquired | Consumer | Home equity and junior liens | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,128	1,362
Acquired | Consumer | Home equity and junior liens | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	35	44
Acquired | Consumer | Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	163	190
Acquired | Consumer | Other consumer | Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	161	$ 190
Acquired | Consumer | Other consumer | Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 2

Loans Receivable - Non-accrual

Loans Receivable - Non-accrual and Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 8,326	$ 10,938
Total Loans Current	263,668	265,092
Total loans	271,994	276,030
Non-accrual loans	4,238	5,319
Number of loans past due more than ninety days and still accruing	0	0
Total outstanding TDR	2,800
30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,446	4,275
60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	642	1,344
90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	4,238	5,319
Residential
Financing Receivable, Past Due [Line Items]
Total Past Due	5,155	6,552
Total Loans Current	117,378	120,804
Total loans	122,533	127,356
Non-accrual loans	2,677	3,245
Residential | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,182	2,568
Residential | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	296	739
Residential | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,677	3,245
Residential | One- to four-family
Financing Receivable, Past Due [Line Items]
Total Past Due	5,155	6,552
Total Loans Current	117,378	120,804
Total loans	122,533	127,356
Residential | One- to four-family | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,182	2,568
Residential | One- to four-family | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	296	739
Residential | One- to four-family | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,677	3,245
Residential | 1-4 family first-lien
Financing Receivable, Past Due [Line Items]
Non-accrual loans	2,677	3,245
Commercial
Financing Receivable, Past Due [Line Items]
Total Past Due	2,195	2,119
Total Loans Current	44,117	48,265
Total loans	46,312	50,384
Non-accrual loans	1,430	1,833
Commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	644	205
Commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	121	81
Commercial | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,430	1,833
Commercial | Other commercial and industrial
Financing Receivable, Past Due [Line Items]
Non-accrual loans	561	688
Commercial | Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total Past Due	1,143	1,235
Total Loans Current	23,262	23,519
Total loans	24,405	24,754
Non-accrual loans	869	1,103
Commercial | Real estate - nonresidential | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	208	66
Commercial | Real estate - nonresidential | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	66	66
Commercial | Real estate - nonresidential | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	869	1,103
Commercial | Multi-family
Financing Receivable, Past Due [Line Items]
Total Past Due		42
Total Loans Current	2,331	5,083
Total loans	2,331	5,125
Non-accrual loans		42
Commercial | Multi-family | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		42
Commercial | Commercial business
Financing Receivable, Past Due [Line Items]
Total Past Due	1,052	842
Total Loans Current	18,524	19,663
Total loans	19,576	20,505
Commercial | Commercial business | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	436	139
Commercial | Commercial business | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	55	15
Commercial | Commercial business | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	561	688
Consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	976	2,267
Total Loans Current	102,173	96,023
Total loans	103,149	98,290
Non-accrual loans	131	241
Consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	620	1,502
Consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	225	524
Consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	131	241
Consumer | Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total Past Due	214	269
Total Loans Current	10,151	11,118
Total loans	10,365	11,387
Non-accrual loans	103	102
Consumer | Home equity and junior liens | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	37	138
Consumer | Home equity and junior liens | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	74	29
Consumer | Home equity and junior liens | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	103	102
Consumer | Manufactured homes
Financing Receivable, Past Due [Line Items]
Total Past Due	394	1,459
Total Loans Current	46,214	42,888
Total loans	46,608	44,347
Non-accrual loans		75
Consumer | Manufactured homes | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	278	944
Consumer | Manufactured homes | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	116	440
Consumer | Manufactured homes | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		75
Consumer | Automobile
Financing Receivable, Past Due [Line Items]
Total Past Due	195	242
Total Loans Current	22,226	21,227
Total loans	22,421	21,469
Non-accrual loans	23	33
Consumer | Automobile | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	140	188
Consumer | Automobile | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	32	21
Consumer | Automobile | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	23	33
Consumer | Student
Financing Receivable, Past Due [Line Items]
Total Loans Current	2,304	2,259
Total loans	2,304	2,259
Consumer | Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total Past Due	123	259
Total Loans Current	16,920	14,298
Total loans	17,043	14,557
Consumer | Recreational Vehicle | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	123	229
Consumer | Recreational Vehicle | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		30
Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	50	38
Total Loans Current	4,358	4,233
Total loans	4,408	4,271
Non-accrual loans	5	31
Consumer | Other consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	42	3
Consumer | Other consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3	4
Consumer | Other consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	5	31
Originated
Financing Receivable, Past Due [Line Items]
Total Past Due	7,832	10,184
Total Loans Current	248,148	247,879
Total loans	255,980	258,063
Originated | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,303	4,006
Originated | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	614	1,275
Originated | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,915	4,903
Originated | Residential
Financing Receivable, Past Due [Line Items]
Total Past Due	4,702	5,911
Total Loans Current	105,338	107,343
Total loans	110,040	113,254
Originated | Residential | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,043	2,345
Originated | Residential | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	268	691
Originated | Residential | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,391	2,875
Originated | Residential | One- to four-family
Financing Receivable, Past Due [Line Items]
Total Past Due	4,702	5,911
Total Loans Current	105,338	107,343
Total loans	110,040	113,254
Originated | Residential | One- to four-family | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,043	2,345
Originated | Residential | One- to four-family | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	268	691
Originated | Residential | One- to four-family | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,391	2,875
Originated | Commercial
Financing Receivable, Past Due [Line Items]
Total Past Due	2,195	2,104
Total Loans Current	41,922	46,011
Total loans	44,117	48,115
Originated | Commercial | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	644	205
Originated | Commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	121	66
Originated | Commercial | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,430	1,833
Originated | Commercial | Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total Past Due	1,143	1,235
Total Loans Current	21,377	21,577
Total loans	22,520	22,812
Originated | Commercial | Real estate - nonresidential | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	208	66
Originated | Commercial | Real estate - nonresidential | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	66	66
Originated | Commercial | Real estate - nonresidential | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	869	1,103
Originated | Commercial | Multi-family
Financing Receivable, Past Due [Line Items]
Total Past Due		42
Total Loans Current	2,331	5,083
Total loans	2,331	5,125
Originated | Commercial | Multi-family | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		42
Originated | Commercial | Commercial business
Financing Receivable, Past Due [Line Items]
Total Past Due	1,052	827
Total Loans Current	18,214	19,351
Total loans	19,266	20,178
Originated | Commercial | Commercial business | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	436	139
Originated | Commercial | Commercial business | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	55
Originated | Commercial | Commercial business | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	561	688
Originated | Consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	935	2,169
Total Loans Current	100,888	94,525
Total loans	101,823	96,694
Originated | Consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	616	1,456
Originated | Consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	225	518
Originated | Consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	94	195
Originated | Consumer | Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total Past Due	175	173
Total Loans Current	9,027	9,808
Total loans	9,202	9,981
Originated | Consumer | Home equity and junior liens | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	33	92
Originated | Consumer | Home equity and junior liens | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	74	23
Originated | Consumer | Home equity and junior liens | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	68	58
Originated | Consumer | Manufactured homes
Financing Receivable, Past Due [Line Items]
Total Past Due	394	1,459
Total Loans Current	46,214	42,888
Total loans	46,608	44,347
Originated | Consumer | Manufactured homes | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	278	944
Originated | Consumer | Manufactured homes | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	116	440
Originated | Consumer | Manufactured homes | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		75
Originated | Consumer | Automobile
Financing Receivable, Past Due [Line Items]
Total Past Due	195	242
Total Loans Current	22,226	21,227
Total loans	22,421	21,469
Originated | Consumer | Automobile | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	140	188
Originated | Consumer | Automobile | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	32	21
Originated | Consumer | Automobile | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	23	33
Originated | Consumer | Student
Financing Receivable, Past Due [Line Items]
Total Loans Current	2,304	2,259
Total loans	2,304	2,259
Originated | Consumer | Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total Past Due	123	259
Total Loans Current	16,920	14,298
Total loans	17,043	14,557
Originated | Consumer | Recreational Vehicle | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	123	229
Originated | Consumer | Recreational Vehicle | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		30
Originated | Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	48	36
Total Loans Current	4,197	4,045
Total loans	4,245	4,081
Originated | Consumer | Other consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	42	3
Originated | Consumer | Other consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3	4
Originated | Consumer | Other consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3	29
Acquired
Financing Receivable, Past Due [Line Items]
Total Past Due	494	754
Total Loans Current	15,520	17,213
Total loans	16,014	17,967
Acquired | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	143	269
Acquired | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	28	69
Acquired | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	323	416
Acquired | Residential
Financing Receivable, Past Due [Line Items]
Total Past Due	453	641
Total Loans Current	12,040	13,461
Total loans	12,493	14,102
Acquired | Residential | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	139	223
Acquired | Residential | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	28	48
Acquired | Residential | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	286	370
Acquired | Residential | One- to four-family
Financing Receivable, Past Due [Line Items]
Total Past Due	453	641
Total Loans Current	12,040	13,461
Total loans	12,493	14,102
Acquired | Residential | One- to four-family | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	139	223
Acquired | Residential | One- to four-family | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	28	48
Acquired | Residential | One- to four-family | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	286	370
Acquired | Commercial
Financing Receivable, Past Due [Line Items]
Total Past Due		15
Total Loans Current	2,195	2,254
Total loans	2,195	2,269
Acquired | Commercial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		15
Acquired | Commercial | Other commercial and industrial
Financing Receivable, Past Due [Line Items]
Total Past Due		15
Total Loans Current		312
Total loans		327
Acquired | Commercial | Other commercial and industrial | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		15
Acquired | Commercial | Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total Loans Current	1,885	1,942
Total loans	1,885	1,942
Acquired | Commercial | Commercial business
Financing Receivable, Past Due [Line Items]
Total Loans Current	310
Total loans	310	327
Acquired | Consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	41	98
Total Loans Current	1,285	1,498
Total loans	1,326	1,596
Acquired | Consumer | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	4	46
Acquired | Consumer | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		6
Acquired | Consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	37	46
Acquired | Consumer | Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total Past Due	39	96
Total Loans Current	1,124	1,310
Total loans	1,163	1,406
Acquired | Consumer | Home equity and junior liens | 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	4	46
Acquired | Consumer | Home equity and junior liens | 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		6
Acquired | Consumer | Home equity and junior liens | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	35	44
Acquired | Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	2	2
Total Loans Current	161	188
Total loans	163	190
Acquired | Consumer | Other consumer | 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 2	$ 2

Loans Receivable - Troubled Deb

Loans Receivable - Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)loan
Loans and Leases Receivable Disclosure [Line Items]
Number of modified loans | loan		9
Number of contracts in non-accrual status | loan	1	1
Total outstanding TDR	$ 2,800
Outstanding balance		$ 2,500
Charge-offs	$ (108)	(583)
Automobile
Loans and Leases Receivable Disclosure [Line Items]
Number of modified loans | loan	13
Consumer | Automobile
Loans and Leases Receivable Disclosure [Line Items]
Charge-offs	$ (2)	$ (54)

Loans Receivable - Impaired Loa

Loans Receivable - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Recorded Investment
Total:	$ 7,624		$ 6,152
Unpaid Principal Balance
Total:	8,075		6,603
Related Allowance	296		305
Average Recorded Investment
Total:	5,797	$ 7,213
One- to four-family
Recorded Investment
Total:	2,551
Unpaid Principal Balance
Total:	2,652
Related Allowance	18
Real estate - nonresidential
Recorded Investment
Total:	2,788
Unpaid Principal Balance
Total:	3,138
Related Allowance	66
Commercial business
Recorded Investment
Total:	2,177
Unpaid Principal Balance
Total:	2,177
Related Allowance	210
Home equity and junior liens
Recorded Investment
Total:	103
Unpaid Principal Balance
Total:	103
Other consumer
Recorded Investment
Total:	5
Unpaid Principal Balance
Total:	5
Related Allowance	2
Residential | One- to four-family
Recorded Investment
With no related allowance recorded:	2,350		2,836
With an allowance recorded:	201		429
Total:			3,265
Unpaid Principal Balance
With no related allowance recorded:	2,451		2,937
With an allowance recorded:	201		429
Total:			3,366
Related Allowance	18		21
Average Recorded Investment
Total:	2,175	2,194
Interest recognized on cash basis	17	20
Commercial | Real estate - nonresidential
Recorded Investment
With no related allowance recorded:	869		1,198
With an allowance recorded:	1,919
Total:			1,198
Unpaid Principal Balance
With no related allowance recorded:	1,219		1,548
With an allowance recorded:	1,919
Total:			1,548
Related Allowance	66
Average Recorded Investment
Total:	1,285	2,827
Interest recognized on cash basis	16	17
Commercial | Multi-family
Recorded Investment
With an allowance recorded:			42
Total:			42
Unpaid Principal Balance
With an allowance recorded:			42
Total:			42
Related Allowance			7
Commercial | Commercial business
Recorded Investment
With no related allowance recorded:	1,708		782
With an allowance recorded:	469		713
Total:			1,495
Unpaid Principal Balance
With no related allowance recorded:	1,708		782
With an allowance recorded:	469		713
Total:			1,495
Related Allowance	210		265
Average Recorded Investment
Total:	2,228	2,066
Interest recognized on cash basis	15	18
Consumer
Average Recorded Investment
Interest recognized on cash basis	49	56
Consumer | Home equity and junior liens
Recorded Investment
With no related allowance recorded:	103		109
Total:			109
Unpaid Principal Balance
With no related allowance recorded:	103		109
Total:			109
Average Recorded Investment
Total:	104	126
Interest recognized on cash basis	1	$ 1
Consumer | Automobile
Recorded Investment
With an allowance recorded:			41
Total:			41
Unpaid Principal Balance
With an allowance recorded:			41
Total:			41
Related Allowance			10
Consumer | Other consumer
Recorded Investment
With an allowance recorded:	5		2
Total:			2
Unpaid Principal Balance
With an allowance recorded:	5		2
Total:			2
Related Allowance	2		$ 2
Average Recorded Investment
Total:	$ 5

Allowance for Loan Loss (Detail

Allowance for Loan Loss (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Allowance for loan losses:
Beginning Balance	$ 1,821	$ 1,660
Charge-offs	(108)	(583)
Recoveries	33	264
Provision for loan losses	135	480
Ending balance	1,881	1,821
Ending balance: related to loans individually evaluated for impairment	296	305
Ending balance: related to loans collectively evaluated for impairment	1,585	1,516
Loans receivable - Ending balance	271,994	276,030
Loans receivable - Ending balance: individually evaluated for impairment	7,624	6,152
Loans receivable - Ending balance: collectively evaluated for impairment	264,370	269,878
Unallocated
Allowance for loan losses:
Beginning Balance		22
Provision for loan losses		(22)
Residential
Allowance for loan losses:
Loans receivable - Ending balance	122,533	127,356
Residential | One- to four-family
Allowance for loan losses:
Beginning Balance	457	375
Charge-offs	(3)	(89)
Recoveries	1	4
Provision for loan losses	85	167
Ending balance	540	457
Ending balance: related to loans individually evaluated for impairment	18	21
Ending balance: related to loans collectively evaluated for impairment	522	436
Loans receivable - Ending balance	122,533	127,356
Loans receivable - Ending balance: individually evaluated for impairment	2,551	3,265
Loans receivable - Ending balance: collectively evaluated for impairment	119,982	124,091
Residential | Construction
Allowance for loan losses:
Beginning Balance		2
Provision for loan losses		(2)
Commercial
Allowance for loan losses:
Loans receivable - Ending balance	46,312	50,384
Commercial | Real estate - nonresidential
Allowance for loan losses:
Beginning Balance	319	421
Charge-offs	(51)	(398)
Provision for loan losses	120	296
Ending balance	388	319
Ending balance: related to loans individually evaluated for impairment	66
Ending balance: related to loans collectively evaluated for impairment	322	319
Loans receivable - Ending balance	24,405	24,754
Loans receivable - Ending balance: individually evaluated for impairment	2,788	1,198
Loans receivable - Ending balance: collectively evaluated for impairment	21,617	23,556
Commercial | Multi-family
Allowance for loan losses:
Beginning Balance	26	17
Recoveries	6	19
Provision for loan losses	(21)	(10)
Ending balance	11	26
Ending balance: related to loans individually evaluated for impairment		7
Ending balance: related to loans collectively evaluated for impairment	11	19
Loans receivable - Ending balance	2,331	5,125
Loans receivable - Ending balance: individually evaluated for impairment		42
Loans receivable - Ending balance: collectively evaluated for impairment	2,331	5,083
Commercial | Commercial business
Allowance for loan losses:
Beginning Balance	617	527
Charge-offs	(17)	(15)
Recoveries	7	140
Provision for loan losses	(77)	(35)
Ending balance	530	617
Ending balance: related to loans individually evaluated for impairment	210	265
Ending balance: related to loans collectively evaluated for impairment	320	352
Loans receivable - Ending balance	19,576	20,505
Loans receivable - Ending balance: individually evaluated for impairment	2,177	1,495
Loans receivable - Ending balance: collectively evaluated for impairment	17,399	19,010
Consumer
Allowance for loan losses:
Loans receivable - Ending balance	103,149	98,290
Consumer | Home equity and junior liens
Allowance for loan losses:
Beginning Balance	46	50
Charge-offs	(2)	(9)
Recoveries		12
Provision for loan losses	4	(7)
Ending balance	48	46
Ending balance: related to loans collectively evaluated for impairment	48	46
Loans receivable - Ending balance	10,365	11,387
Loans receivable - Ending balance: individually evaluated for impairment	103	109
Loans receivable - Ending balance: collectively evaluated for impairment	10,262	11,278
Consumer | Manufactured homes
Allowance for loan losses:
Beginning Balance	76
Provision for loan losses	5	76
Ending balance	81	76
Ending balance: related to loans collectively evaluated for impairment	81	76
Loans receivable - Ending balance	46,608	44,347
Loans receivable - Ending balance: collectively evaluated for impairment	46,608	44,347
Consumer | Automobile
Allowance for loan losses:
Beginning Balance	127	142
Charge-offs	(2)	(54)
Recoveries	10	71
Provision for loan losses	2	(32)
Ending balance	137	127
Ending balance: related to loans individually evaluated for impairment		10
Ending balance: related to loans collectively evaluated for impairment	137	117
Loans receivable - Ending balance	22,421	21,469
Loans receivable - Ending balance: individually evaluated for impairment		41
Loans receivable - Ending balance: collectively evaluated for impairment	22,421	21,428
Consumer | Student
Allowance for loan losses:
Beginning Balance	69	69
Recoveries	1	3
Provision for loan losses	1	(3)
Ending balance	71	69
Ending balance: related to loans collectively evaluated for impairment	71	69
Loans receivable - Ending balance	2,304	2,259
Loans receivable - Ending balance: collectively evaluated for impairment	2,304	2,259
Consumer | Recreational Vehicle
Allowance for loan losses:
Charge-offs		(14)
Recoveries	7	6
Provision for loan losses	(7)	8
Loans receivable - Ending balance	17,043	14,557
Loans receivable - Ending balance: collectively evaluated for impairment	17,043	14,557
Consumer | Other consumer
Allowance for loan losses:
Beginning Balance	84	35
Charge-offs	(33)	(4)
Recoveries	1	9
Provision for loan losses	23	44
Ending balance	75	84
Ending balance: related to loans individually evaluated for impairment	2	2
Ending balance: related to loans collectively evaluated for impairment	73	82
Loans receivable - Ending balance	4,408	4,271
Loans receivable - Ending balance: individually evaluated for impairment	5	2
Loans receivable - Ending balance: collectively evaluated for impairment	$ 4,403	$ 4,269

Employee Benefit Plans - Define

Employee Benefit Plans - Defined Benefit Plan - Components of net periodic pension expense (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)plan	Mar. 31, 2020USD ($)
Net periodic expenses recognized in income:
Number of benefit pension plans | plan	2
Generations Bank Plan
Net periodic expenses recognized in income:
Service cost	$ 115	$ 103
Interest cost	105	112
Expected return on plan assets	(370)	(335)
Amortization of net losses	28	34
Net periodic pension benefit	(122)	(86)
Medina Savings and Loan Plan
Net periodic expenses recognized in income:
Service cost	8	7
Interest cost	32	36
Expected return on plan assets	(116)	(108)
Net periodic pension benefit	$ (76)	$ (65)

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2015	Mar. 31, 2021USD ($)
Actual amount
Common Equity Tier 1 Capital,	$ 31,942		$ 40,097
Total Capital (to Risk-Weighted Assets)	33,768		41,978
Tier 1 Capital* (to Risk-Weighted Assets)	31,942		40,097
Core Capital (to Total Adjusted Assets)	$ 31,942		$ 40,097
Actual Ratio
Common Equity Tier 1 Capital	12.18		15.23
Capital Conservation Buffer	2.50%	0.00%
Total Capital (to Risk-Weighted Assets)	12.88		15.95
Tier 1 Capital* (to Risk-Weighted Assets)	12.18		15.23
Core Capital (to Total Adjusted Assets)	8.72		10.63
Excess capital to risk weighted assets	10		10
Minimum For Capital Adequacy Purposes, Amount
Common Equity Tier 1 Capital,	$ 15,730		$ 15,795
Total Capital (to Risk-Weighted Assets)	20,974		21,060
Tier 1 Capital* (to Risk-Weighted Assets)	11,798		11,846
Core Capital (to Total Adjusted Assets)	$ 14,648		$ 15,087
Minimum For Capital Adequacy Purposes, Ratio
Common Equity Tier 1 Capital,	6		6
Total Capital (to Risk-Weighted Assets)	8		8
Tier 1 Capital* (to Risk-Weighted Assets)	4.50		4.50
Core Capital (to Total Adjusted Assets)	4		4
Minimum To Be Well- Capitalized Under Prompt Corrective Provisions Amount
Common Equity Tier 1 Capital,	$ 20,974		$ 21,060
Total Capital (to Risk-Weighted Assets)	26,217		26,325
Tier 1 Capital* (to Risk-Weighted Assets)	10,741		17,112
Core Capital (to Total Adjusted Assets)	$ 18,310		$ 18,859
Minimum To Be Well- Capitalized Under Prompt Corrective Provisions Ratio
Common Equity Tier 1 Capital,	8		8
Total Capital (to Risk-Weighted Assets)	10		10
Tier 1 Capital* (to Risk-Weighted Assets)	6.50		6.50
Core Capital (to Total Adjusted Assets)	5		5

Commitments and Contingencies -

Commitments and Contingencies - Credit Commitments (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Commitments and Contingencies
Loan commitments with fixed interest rate	$ 3,700	$ 4,600
Loan commitments with variable interest rate	14,800	14,200
Commitments to grant loans
Commitments and Contingencies
Credit risk for financial instruments	3,318	4,009
Unfunded commitments under lines of credit
Commitments and Contingencies
Credit risk for financial instruments	$ 15,189	$ 14,823

Commitments and Contingencies_2

Commitments and Contingencies - Commitments to Originate (Details)	3 Months Ended	12 Months Ended
	Mar. 31, 2021USD ($)contract	Dec. 31, 2020USD ($)contract
Commitments and Contingencies
Outstanding principal balance	$ 282,367,000	$ 285,640,000
MPF Program
Commitments and Contingencies
Penalties to be paid on failure to fulfill Commitment	$ 0
Number of open contracts | contract	0	0
Commitments to deliver loans	$ 0	$ 0
Outstanding principal balance	11,600,000
Extension or pair-off fees paid	0	0
Recourse back to bank for loans sold		2,200,000
First loss account allocated to bank		$ 78,500
MPF Program, Inclusive of USDA Loans
Commitments and Contingencies
Outstanding principal balance	$ 68,600,000

Commitments and Contingencies_3

Commitments and Contingencies - Lease Commitments (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Commitments and Contingencies
Operating lease expense	$ 11,300	$ 11,200	$ 41,000
Future minimum lease commitments
Future minimum lease commitments	$ 5,000
Option to extend	True

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Revenue from Contracts with Customers
Revenues	$ 546	$ 661
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenues	135	183
Debit card interchange and surcharge income
Revenue from Contracts with Customers
Revenues	211	169
Investment services income
Revenue from Contracts with Customers
Revenues		57
Insurance commission and fees
Revenue from Contracts with Customers
Revenues	174	216
Loan servicing fees
Revenue from Contracts with Customers
Revenues	$ 26	$ 36

Fair Value Disclosures - Carryi

Fair Value Disclosures - Carrying amount and estimated fair value (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financial assets:
Investment securities available-for-sale, at fair value	$ 32,774	$ 17,926
Securities held-to-maturity	1,424	1,510
Equity securities	309	661
Carrying Value
Financial assets:
Cash and cash equivalents	24,972	26,830
Investment securities available-for-sale, at fair value	32,774	17,926
Securities held-to-maturity	1,390	1,480
Equity securities	309	661
Loans receivable	282,367	285,640
Federal Home Loan Bank of New York stock	1,868	1,992
Accrued interest receivable	1,299	1,179
Financial liabilities:
Deposits	310,944	309,546
Long-term borrowings	25,307	27,628
Subordinated debt		1,235
Accrued interest payable	60	52
Fair Value
Financial assets:
Cash and cash equivalents	24,972	26,830
Investment securities available-for-sale, at fair value	32,774	17,926
Securities held-to-maturity	1,424	1,510
Equity securities	309	661
Loans receivable	277,614	280,887
Federal Home Loan Bank of New York stock	1,868	1,992
Accrued interest receivable	1,299	1,179
Financial liabilities:
Deposits	310,498	311,175
Long-term borrowings	28,255	30,053
Subordinated debt		1,235
Accrued interest payable	60	52
Level 1
Financial assets:
Cash and cash equivalents	24,972	26,830
Equity securities	309	661
Accrued interest receivable	1,299	1,179
Financial liabilities:
Deposits	90,795	97,418
Accrued interest payable	60	52
Level 2
Financial assets:
Investment securities available-for-sale, at fair value	29,389	14,752
Securities held-to-maturity	1,424	1,510
Federal Home Loan Bank of New York stock	1,868	1,992
Financial liabilities:
Long-term borrowings	28,255	30,053
Subordinated debt		1,235
Level 3
Financial assets:
Investment securities available-for-sale, at fair value	3,385	3,174
Loans receivable	277,614	280,887
Financial liabilities:
Deposits	$ 219,703	$ 213,757

Fair Value Disclosures - Fair v

Fair Value Disclosures - Fair value on a recurring basis (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Securities available-for-sale:
Debt investment securities	$ 32,774	$ 17,926
Equity securities:
Equity investment securities, at fair value	309	661
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	37	39
Corporate Bonds
Securities available-for-sale:
Debt investment securities	15,023
Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	38	35
Other mutual funds
Equity securities:
Equity investment securities, at fair value	271	626
Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	33,083	18,587
Fair Value, Recurring [Member] | Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	37	39
Fair Value, Recurring [Member] | Corporate Bonds
Securities available-for-sale:
Debt investment securities	15,023
Fair Value, Recurring [Member] | Municipal Bonds
Securities available-for-sale:
Debt investment securities	17,714	17,887
Fair Value, Recurring [Member] | Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	38	35
Fair Value, Recurring [Member] | Other mutual funds
Equity securities:
Equity investment securities, at fair value	271	626
Level 1
Equity securities:
Equity investment securities, at fair value	309	661
Level 1 | Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	309	661
Level 1 | Fair Value, Recurring [Member] | Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	38	35
Level 1 | Fair Value, Recurring [Member] | Other mutual funds
Equity securities:
Equity investment securities, at fair value	271	626
Level 2
Securities available-for-sale:
Debt investment securities	29,389	14,752
Level 2 | Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	29,389	14,752
Level 2 | Fair Value, Recurring [Member] | Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	37	39
Level 2 | Fair Value, Recurring [Member] | Corporate Bonds
Securities available-for-sale:
Debt investment securities	15,023
Level 2 | Fair Value, Recurring [Member] | Municipal Bonds
Securities available-for-sale:
Debt investment securities	14,329	14,713
Level 3
Securities available-for-sale:
Debt investment securities	3,385	3,174
Level 3 | Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	3,385	3,174
Level 3 | Fair Value, Recurring [Member] | Municipal Bonds
Securities available-for-sale:
Debt investment securities	$ 3,385	$ 3,174

Fair Value Disclosures - Change

Fair Value Disclosures - Changes in Level 3 assets measured at estimated fair value on a recurring basis (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Changes in Level 3 assets measured at estimated fair value on a recurring basis
Beginning balance	$ 3,174	$ 2,512
Included in other comprehensive income	50	(9)
Purchases	826	848
Principal payments	(665)	(848)
Ending balance	$ 3,385	$ 2,503

Fair Value Disclosures - Summar

Fair Value Disclosures - Summarize assets measured at fair value on a nonrecurring basis (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	$ 7,624	$ 6,152
Non - recurring
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	3,112	1,663
Foreclosed real estate & repossessed assets	45	45
Non - recurring | Level 3
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	3,112	1,663
Foreclosed real estate & repossessed assets	$ 45	$ 45

Fair Value Disclosures - Transf

Fair Value Disclosures - Transfers of assets in or out of any fair value measurement level (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Fair Value Disclosures
Transfers of assets, Level 1 to level 2	$ 0	$ 0
Transfers of assets, Level 2 to level 1	0	0
Transfers of assets in or out of level 3	$ 0	$ 0

Fair Value Disclosures - Quanti

Fair Value Disclosures - Quantitative information about Level 3 fair value measurements for assets (Details)	Mar. 31, 2021	Dec. 31, 2020
Appraisal of collateral | Maximum | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.35	0.35
Appraisal of collateral | Maximum | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.15	0.15
Appraisal of collateral | Maximum | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.20	0.20
Appraisal of collateral | Maximum | Residential | 1-4 family residential | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.35	0.35
Appraisal of collateral | Maximum | Residential | 1-4 family residential | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.15	0.15
Appraisal of collateral | Maximum | Commercial | Commercial real estate | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.35	0.35
Appraisal of collateral | Maximum | Commercial | Commercial real estate | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.15	0.15
Appraisal of collateral | Maximum | Commercial | Commercial real estate | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.20	0.20
Appraisal of collateral | Minimum | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.05	0.05
Appraisal of collateral | Minimum | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.05	0.05
Appraisal of collateral | Minimum | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.10	0.10
Appraisal of collateral | Minimum | Residential | 1-4 family residential | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Appraisal of collateral | Minimum | Residential | 1-4 family residential | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Appraisal of collateral | Minimum | Commercial | Commercial real estate | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Appraisal of collateral | Minimum | Commercial | Commercial real estate | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Appraisal of collateral | Minimum | Commercial | Commercial real estate | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.10	0.10
Appraisal of collateral | Weighted Average | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	(0.25)	(0.25)
Appraisal of collateral | Weighted Average | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	(0.10)	(0.10)
Appraisal of collateral | Weighted Average | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	(0.15)	(0.15)
Appraisal of collateral | Weighted Average | Residential | 1-4 family residential | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.20)	(0.20)
Appraisal of collateral | Weighted Average | Residential | 1-4 family residential | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.10)	(0.10)
Appraisal of collateral | Weighted Average | Commercial | Commercial real estate | Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.25)	(0.25)
Appraisal of collateral | Weighted Average | Commercial | Commercial real estate | Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.10)	(0.10)
Appraisal of collateral | Weighted Average | Commercial | Commercial real estate | Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.15)	(0.15)
USDA Guarantee | Commercial and industrial | Other commercial and industrial | Government guaranteed portion
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.20	0.20
USDA Guarantee | Weighted Average | Commercial and industrial | Other commercial and industrial | Government guaranteed portion
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	(0.20)	(0.20)

Segment Information (Details)

Segment Information (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)segment	Mar. 31, 2020USD ($)	Dec. 31, 2020USD ($)
Segment Reporting Information [Line Items]
Number of Reportable Segments | segment	3
Net interest income	$ 2,843	$ 2,467
Provision for loan losses	135	90
Net interest income after provision for loan losses	2,708	2,377
Total noninterest income	612	485
Compensation and benefits	1,259	1,504
Other noninterest expense	(264)	(300)
(Loss) income before income taxes	432	(266)
Benefit for income taxes	79	(276)
Net income (loss)	353	10
Total assets	381,940		$ 373,014
Operating segment
Segment Reporting Information [Line Items]
Net interest income	2,843	2,467
Provision for loan losses	135	90
Net interest income after provision for loan losses	2,708	2,377
Total noninterest income	612	485
Compensation and benefits	(1,259)	(1,504)
Other noninterest expense	(1,629)	(1,624)
(Loss) income before income taxes	432	(266)
Benefit for income taxes	79	(276)
Net income (loss)	353	10
Total assets	400,036		391,536
Operating segment | Community Banking Activities
Segment Reporting Information [Line Items]
Net interest income	2,780	2,342
Provision for loan losses	135	90
Net interest income after provision for loan losses	2,645	2,252
Total noninterest income	439	267
Compensation and benefits	(1,158)	(1,401)
Other noninterest expense	(1,561)	(1,554)
(Loss) income before income taxes	365	(436)
Benefit for income taxes	72	(276)
Net income (loss)	293	(160)
Operating segment | Insurance Activities
Segment Reporting Information [Line Items]
Total noninterest income	173	218
Compensation and benefits	(101)	(84)
Other noninterest expense	(37)	(48)
(Loss) income before income taxes	35	86
Net income (loss)	35	86
Operating segment | Municipal Banking Activities
Segment Reporting Information [Line Items]
Net interest income	63	125
Net interest income after provision for loan losses	63	125
Compensation and benefits		(19)
Other noninterest expense	(31)	(22)
(Loss) income before income taxes	32	84
Benefit for income taxes	7
Net income (loss)	25	$ 84
Elimination of intercompany balances
Segment Reporting Information [Line Items]
Total assets	$ (18,096)		$ (18,522)