Generations Bancorp NY (GBNY) 10-Q6 Aug 212021 Q2 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2021	Aug. 05, 2021
Document and Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Jun. 30, 2021
Entity File Number	001-39883
Entity Registrant Name	Generations Bancorp NY, Inc.
Entity Address, State or Province	MD
Entity Tax Identificatoin Number	85-3659943
Entity Address, Address Line One	20 East Bayard Street
Entity Address, City or Town	Seneca Falls
Entity Incorporation, State or Country Code	NY
Entity Address, Postal Zip Code	13148
City Area Code	315
Local Phone Number	568-5855
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		2,458,401
Entity Central Index Key	0001823365
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q2
Amendment Flag	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
ASSETS:
Cash and due from banks	$ 3,408	$ 4,168
Interest earning deposits	11,861	22,662
Total cash and cash equivalents	15,269	26,830
Investment securities available-for-sale, at fair value	36,244	17,926
Investment securities held-to-maturity (fair value 2021-$1,339, 2020-$1,510)	1,308	1,480
Equity investment securities, at fair value	326	661
Federal Home Loan Bank stock, at cost	1,683	1,992
Loans	289,344	287,461
Less: Allowance for loan losses	1,976	1,821
Loans receivable, net	287,368	285,640
Premises and equipment, net	16,360	16,743
Bank-owned life insurance	7,836	7,777
Pension plan asset	9,556	8,720
Foreclosed real estate & repossessed assets	28	45
Goodwill	792	792
Intangible assets, net	816	848
Accrued interest receivable	1,284	1,179
Other assets	1,218	2,381
Total assets	380,088	373,014
Deposits:
Noninterest-bearing	57,235	65,673
Interest-bearing	253,226	243,873
Total deposits	310,461	309,546
Long-term borrowings	22,078	27,628
Subordinated debt		1,235
Advances from borrowers for taxes and insurance	2,753	2,595
Other liabilities	2,251	2,124
Total liabilities	337,543	343,128
Shareholders' equity:
Preferred stock, par value $0.01; 1,000,000 shares authorized; none issued
Common stock, par value $0.01; 14,000,000 and 9,000,000 shares authorized in 2021 and 2020, respectively; 2,458,401 and 2,546,836 shares issued in 2021 and 2020, respectively; and 2,458,401 and 2,458,580 shares outstanding in 2021 and 2020 respectively	26	26
Additional paid in capital	24,491	11,954
Retained earnings	20,978	20,256
Accumulated other comprehensive loss	(1,211)	(1,415)
Treasury stock, at cost; 88,256 shares in 2020		(614)
Stock held in rabbi trust	(627)	(290)
Unearned ESOP shares, at cost	(1,112)	(31)
Total shareholders' equity	42,545	29,886
Total liabilities and shareholders' equity	$ 380,088	$ 373,014

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parentheticals) $ in Thousands		Jun. 30, 2021USD ($)shares	Mar. 31, 2021$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares
Condensed Consolidated Statements of Financial Condition
Investment securities held-to-maturity, fair value \| $		$ 1,339		$ 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
Common Stock, Shares, Outstanding		2,458,401		2,458,580	[1]
Treasury Stock, Shares	[1]			88,256
Exchange ratio of shares		0.9980

[1]	Share 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		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Interest and dividend income:
Loans, including fees	$ 3,107	$ 3,062	$ 6,216	$ 6,034
Debt and equity securities:
Taxable	129	28	213	53
Tax-exempt	100	250	201	497
Interest-earning deposits	3		7	10
Other	23	33	46	71
Total interest income	3,362	3,373	6,683	6,665
Interest expense:
Deposits	322	584	669	1,239
Long-term borrowings	111	157	233	313
Subordinated debt		15	9	29
Total interest expense	433	756	911	1,581
Net interest income	2,929	2,617	5,772	5,084
Provision for loan losses	135	90	270	180
Net interest income after provision for loan losses	2,794	2,527	5,502	4,904
Noninterest income:
Banking fees and service charges	398	339	772	729
Mortgage banking income, net	10	13	23	25
Insurance commissions	201	190	375	406
Investment services commissions		27		84
Earnings on bank-owned life insurance	27	34	59	67
Realized gains (losses) on equity securities	18	41	3	(207)
Net gain on sale of securities	(2)	29	(2)	29
Other charges, commissions & fees	68	356	102	381
Total noninterest income	720	1,029	1,332	1,514
Noninterest expense:
Compensation and benefits	1,342	1,254	2,601	2,758
Occupancy and equipment	531	523	1,051	1,051
Service charges	507	469	1,010	950
Regulatory assessments	116	69	211	134
Professional and other services	144	124	283	266
Advertising	109	109	217	217
Other expenses	317	275	581	575
Total noninterest expenses	3,066	2,823	5,954	5,951
Income before income tax expense (benefit)	448	733	880	467
Income tax expense (benefit)	79	52	158	(224)
Net income	369	681	722	691
Net income available to common shareholders	$ 369	$ 681	$ 722	$ 691
Basic and diluted earnings per common share	$ 0.16	$ 0.28	$ 0.31	$ 0.28

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Condensed Consolidated Statements of Comprehensive Income
Net income	$ 369	$ 681	$ 722	$ 691
Unrealized gains on securities available-for-sale:
Unrealized holding gains arising during the period	215	420	199	846
Reclassification adjustment for net gains included in net income	2		2
Net unrealized gains on securities available-for-sale	217	420	201	846
Defined benefit pension plan:
Reclassification of amortization of net losses recognized in net pension expense	28	33	57	67
Net change in defined benefit pension plan asset	28	33	57	67
Other comprehensive income before tax	245	453	258	913
Tax effect	(51)	(95)	(54)	(192)
Other comprehensive income net of tax	194	358	204	721
Total comprehensive income	$ 563	$ 1,039	$ 926	$ 1,412

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			691					691
Other comprehensive income				721				721
Purchase of common stock for SERPs						$ (290)		(290)
Repurchase of common stock					(42)			(42)
ESOP shares committed to be released		(4)					31	27
Ending balance at Jun. 30, 2020	26	11,958	19,262	(941)	(615)	(290)	(62)	29,338
Beginning balance at Mar. 31, 2020	26	11,967	18,581	(1,299)	(615)		(78)	28,582
Increase (decrease) in stockholders' equity
Net income			681					681
Other comprehensive income				358				358
Purchase of common stock for SERPs						(290)		(290)
ESOP shares committed to be released		(9)					16	7
Ending balance at Jun. 30, 2020	26	11,958	19,262	(941)	(615)	(290)	(62)	29,338
Beginning balance at Dec. 31, 2020	26	11,954	20,256	(1,415)	(614)	(290)	(31)	29,886
Increase (decrease) in stockholders' equity
Net income			722					722
Proceeds from issuance of 1,477,575 shares of commons stock (which included 109,450 shares related to the ESOP), net of the offering cost of $1.65 million		13,151					(1,104)	12,047
Treasury Stock retired		(614)			$ 614
Other comprehensive income				204				204
Purchase of common stock for DRP						337		337
ESOP shares committed to be released							23	23
Ending balance at Jun. 30, 2021	26	24,491	20,978	(1,211)		(627)	(1,112)	42,545
Beginning balance at Mar. 31, 2021	26	24,468	20,609	(1,405)		(627)	(1,124)	41,947
Increase (decrease) in stockholders' equity
Net income			369					369
Refund of offering costs		23						23
Other comprehensive income				194				194
ESOP shares committed to be released							12	12
Ending balance at Jun. 30, 2021	$ 26	$ 24,491	$ 20,978	$ (1,211)		$ (627)	$ (1,112)	$ 42,545

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) $ in Thousands	6 Months Ended
	Jun. 30, 2021USD ($)shares
Number of common stocks sold	1,477,575
Offering cost \| $	$ 1,650
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	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
OPERATING ACTIVITIES
Net income	$ 722	$ 691
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	270	180
Deferred income tax expense (benefit)	158	(224)
Equity securities	2	(29)
Write-down of premises and equipment to fair value		25
Write-down of other real estate owned to fair value		5
Realized (gains) losses on equity securities	(3)	207
Directors' retirement plan net gains		(51)
Depreciation	523	532
Amortization of intangible asset	32	32
Amortization of fair value adjustment to purchased loan portfolio	(34)	(34)
ESOP expense	23	27
Amortization of deferred loan costs	46	129
Earnings on bank-owned life insurance	(59)	(67)
Change in pension plan assets	(779)	(585)
Net amortization of premiums and discounts on investment securities	121	(18)
Net change in accrued interest receivable	(105)	(332)
Net change in other assets and liabilities	1,237	298
Net cash provided by (used in) operating activities	2,154	786
INVESTING ACTIVITIES
Purchase of equity investment securities		(1)
Purchase of investment securities available-for-sale	(22,968)	(1,064)
Net proceeds from the redemption (purchase) of Federal Home Loan Bank stock	309	(4)
Available-for-sale investment securities	2,721	3
Held-to-maturity investment securities	168	255
Available-for-sale investment securities	2,011
Equity investment securities		1,904
Real estate and repossessed assets acquired	55	42
Premises and equipment	69
Net change in loans	(2,048)	(24,106)
Purchase of premises and equipment	(209)	(156)
Net cash used in investing activities	(19,892)	(23,127)
FINANCING ACTIVITIES
Net change in demand deposits, savings accounts, and money market accounts	2,313	29,453
Net change in time deposits	(1,398)	(7,333)
Net change in brokered time deposits		(809)
Payments on long-term borrowings	(5,550)	(4,845)
Repayment from subordinated debt offering	(1,235)
Proceeds from long-term borrowings		6,000
Net proceeds from stock offering and conversion	13,151
Purchase of common stock for ESOP	(1,104)
Repurchase of common stock		(42)
Net cash provided by financing activities	6,177	22,424
Net change in cash and cash equivalents	(11,561)	83
Cash and cash equivalents at beginning of period	26,830	13,448
Cash and cash equivalents at end of period	15,269	13,531
Supplemental Cash Flows Information
Interest	912	1,533
Transfer of loans to foreclosed real estate	$ 38	$ 2

Nature of Operations

Nature of Operations	6 Months Ended
Nature of Operations	Jun. 30, 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 public shareholders (i.e., shareholders other than the MHC) of 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, and Medina, 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. 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. Emerging Growth Company Status The Company qualifies as an “emerging growth company” under the Jumpstart Our Business Startups Act of 2012 (the “JOBS Act”). For as long as the Company is an emerging growth company, it may choose to take advantage of exemptions from various reporting requirements applicable to other public companies. An emerging growth company may elect to use the extended transition period to delay adoption of new or revised accounting pronouncements applicable to public companies until such pronouncements are made applicable to private companies, but must make such election when the company is first required to file a registration statement. The Company has elected to use the extended transition period described above and intends to maintain its emerging growth company status as allowed under the JOBS Act. Interim Financial Statements The interim condensed consolidated financial statements as of June 30, 2021, and for the three and six months ended June 30, 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 and six months ended June 30, 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 to 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 Loss	6 Months Ended
Accumulated Other Comprehensive Loss	Jun. 30, 2021
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Loss	2. Accumulated Other Comprehensive Loss The balances and changes in the components of accumulated other comprehensive loss, net of tax, are as follows: Unrealized Accumulated (Losses) Gains Defined Other Three Months Ended June 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, March 31, 2021 $ 710 $ (2,115) $ (1,405) Other comprehensive loss before reclassifications 170 — 170 Amounts reclassified from AOCI to the income statement 2 22 24 Net current-period other comprehensive income 172 22 194 Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) Balance, March 31, 2020 $ 994 $ (2,293) $ (1,299) Other comprehensive income before reclassifications 332 — 332 Amounts reclassified from AOCI to the income statement — 26 26 Net current-period other comprehensive income 332 26 358 Balance, June 30, 2020 $ 1,326 $ (2,267) $ (941) Unrealized Accumulated (Losses) Gains Defined Other Six Months Ended June 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, January 1, 2021 $ 723 $ (2,138) $ (1,415) Other comprehensive loss before reclassifications 157 — 157 Amounts reclassified from AOCI to the income statement 2 45 47 Net current-period other comprehensive income 159 45 204 Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) Balance, January 1, 2020 $ 658 $ (2,320) $ (1,662) Other comprehensive income before reclassifications 668 — 668 Amounts reclassified from AOCI to the income statement — 53 53 Net current-period other comprehensive income 668 53 721 Balance, June 30, 2020 $ 1,326 $ (2,267) $ (941) The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss: Three Months Ended Six Months Ended June 30, June 30, Affected Line Item in the (In thousands) 2021 2020 2021 2020 Statement of Income Available-for-sale securities: Realized loss on sale of securities $ (2) $ — $ (2) $ — Net loss on sale of securities $ (2) $ — $ (2) $ — Net income Defined benefit pension plan: Retirement plan net losses recognized in net periodic pension cost $ 28 $ 33 $ 57 $ 67 Compensation and benefits Tax effect (6) (7) (12) (14) Income tax expense $ 22 $ 26 $ 45 $ 53 Net income (1)

Earnings Per Common Share

Earnings Per Common Share	6 Months Ended
Earnings Per Common Share	Jun. 30, 2021
Earnings Per Common Share
Earnings Per Common Share	3. Earnings Per Common Share 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 2,347,000 and 2,451,000 ( 1 ) (1)

Securities

Securities	6 Months Ended
Securities	Jun. 30, 2021
Securities
Securities	4. Securities Investments in securities available-for-sale, held-to-maturity and equity are summarized as follows: June 30, 2021 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 36 $ 1 $ (1) $ 36 Corporate bonds 18,423 389 (170) 18,642 State and political subdivisions 16,668 961 (63) 17,566 Total securities available-for-sale $ 35,127 $ 1,351 $ (234) $ 36,244 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,308 $ 34 $ (3) $ 1,339 Total securities held-to-maturity $ 1,308 $ 34 $ (3) $ 1,339 Equity securities: Large cap equity mutual fund $ 41 $ 41 Other mutual funds 285 285 Total of equity securities $ 326 $ 326 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: June 30, 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 $ — $ — $ 25 $ (1) $ 25 $ (1) Corporate bonds 5,426 (170) — — 5,426 (170) State and political subdivisions 4,791 (63) — — 4,791 (63) Total securities available-for-sale $ 10,217 $ (233) $ 25 $ (1) $ 10,242 $ (234) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 54 $ (1) $ 138 $ (2) $ 192 $ (3) Total securities held-to-maturity $ 54 $ (1) $ 138 $ (2) $ 192 $ (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. Eleven government agency and government sponsored enterprise (“GSE”) residential mortgage-backed security holdings have an unrealized loss as of June 30, 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 June 30, 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 June 30, 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. June 30, 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 $ 10 $ 10 $ — $ — Due over one year through five years 2,336 2,366 — — Due over five through ten years 5,399 5,580 — — Due after ten years 27,346 28,252 — — 35,091 36,208 — — Residential mortgage-backed securities 36 36 1,308 1,339 Total $ 35,127 $ 36,244 $ 1,308 $ 1,339 There were no gross realized gains and $2,000 in losses on sales and redemptions of available-for-sale securities for the six months ended June 30, 2021 and no gross realized gains or losses on sales and redemptions of available-for-sale securities for the six months ended June 30, 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 $5,698,399 and $6,969,058 were pledged to collateralize certain deposit arrangements at June 30, 2021 and December 31, 2020 respectively.

Loans Receivable

Loans Receivable	6 Months Ended
Loans Receivable	Jun. 30, 2021
Loans Receivable
Loans Receivable	5. Loans Receivable Major classifications of loans are as follows: June 30, December 31, (In thousands) 2021 2020 Originated Loans: Residential mortgages: One- to four-family $ 107,916 $ 113,254 107,916 113,254 Commercial loans: Real estate - nonresidential 20,844 22,812 Multi-family 405 5,125 Commercial business 18,337 20,178 39,586 48,115 Consumer: Home equity and junior liens 8,789 9,981 Manufactured homes 48,055 44,347 Automobile 22,964 21,469 Student 2,258 2,259 Recreational vehicle 25,291 14,557 Other consumer 5,038 4,081 112,395 96,694 Total originated loans 259,897 258,063 Net deferred loan costs 14,892 11,854 Less allowance for loan losses (1,976) (1,821) Net originated loans $ 272,813 $ 268,096 June 30, December 31, (In thousands) 2021 2020 Acquired Loans: Residential mortgages: One- to four-family $ 11,641 $ 14,102 11,641 14,102 Commercial loans: Real estate - nonresidential 1,833 1,942 Commercial business 227 327 2,060 2,269 Consumer: Home equity and junior liens 1,107 1,406 Other consumer 131 190 1,238 1,596 Total acquired loans 14,939 17,967 Net deferred loan costs (63) (67) Fair value credit and yield adjustment (321) (356) Net acquired loans $ 14,555 $ 17,544 June 30, December 31, (In thousands) 2021 2020 Total Loans: Residential mortgages: One- to four-family $ 119,557 $ 127,356 119,557 127,356 Commercial loans: Real estate - nonresidential 22,677 24,754 Multi-family 405 5,125 Commercial business 18,564 20,505 41,646 50,384 Consumer: Home equity and junior liens 9,896 11,387 Manufactured homes 48,055 44,347 Automobile 22,964 21,469 Student 2,258 2,259 Recreational vehicle 25,291 14,557 Other consumer 5,169 4,271 113,633 98,290 Total Loans 274,836 276,030 Net deferred loan costs 14,829 11,787 Fair value credit and yield adjustment (321) (356) Less allowance for loan losses (1,976) (1,821) Loans receivable, net $ 287,368 $ 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 the Northeastern United States, are purchased regularly from a Connecticut based company. In 2019, the Company also began to purchase modular home loans originated throughout the United States, 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. 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: June 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 104,593 $ 1,021 $ 2,302 $ — $ 107,916 104,593 1,021 2,302 — 107,916 Commercial loans: Real estate - nonresidential 13,620 4,768 2,456 — 20,844 Multi-family 405 — — — 405 Commercial business 15,638 1,240 1,459 — 18,337 29,663 6,008 3,915 — 39,586 Consumer: Home equity and junior liens 8,703 — 86 — 8,789 Manufactured homes 48,055 — — — 48,055 Automobile 22,886 17 61 — 22,964 Student 2,258 — — — 2,258 Recreational vehicle 25,291 — — — 25,291 Other consumer 5,028 7 3 — 5,038 112,221 24 150 — 112,395 Total originated loans $ 246,477 $ 7,053 $ 6,367 $ — $ 259,897 June 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 11,227 $ 85 $ 329 $ — $ 11,641 11,227 85 329 — 11,641 Commercial loans: Real estate - nonresidential 1,833 — — — 1,833 Commercial business 227 — — — 227 2,060 — — — 2,060 Consumer: Home equity and junior liens 1,072 — 35 — 1,107 Other consumer 131 — — — 131 1,203 — 35 — 1,238 Total acquired loans $ 14,490 $ 85 $ 364 $ — $ 14,939 June 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 115,820 $ 1,106 $ 2,631 $ — $ 119,557 115,820 1,106 2,631 — 119,557 Commercial loans: Real estate - nonresidential 15,453 4,768 2,456 — 22,677 Multi-family 405 — — — 405 Commercial business 15,865 1,240 1,459 — 18,564 31,723 6,008 3,915 — 41,646 Consumer: Home equity and junior liens 9,775 — 121 — 9,896 Manufactured homes 48,055 — — — 48,055 Automobile 22,886 17 61 — 22,964 Student 2,258 — — — 2,258 Recreational vehicle 25,291 — — — 25,291 Other consumer 5,159 7 3 — 5,169 113,424 24 185 — 113,633 Total loans $ 260,967 $ 7,138 $ 6,731 $ — $ 274,836 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 December 31, 2020 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 December 31, 2020 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 judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time 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: June 30, 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 $ 3,003 $ 828 $ 1,959 $ 5,790 $ 102,126 $ 107,916 3,003 828 1,959 5,790 102,126 107,916 Commercial loans: Real estate - nonresidential 568 — 604 1,172 19,672 20,844 Multi-family — — — — 405 405 Commercial business 261 76 849 1,186 17,151 18,337 829 76 1,453 2,358 37,228 39,586 Consumer loans: Home equity and junior liens 70 — 109 179 8,610 8,789 Manufactured homes 706 — — 706 47,349 48,055 Automobile 139 41 61 241 22,723 22,964 Student — — — — 2,258 2,258 Recreational vehicle 119 — — 119 25,172 25,291 Other consumer 13 7 3 23 5,015 5,038 1,047 48 173 1,268 111,127 112,395 Total originated loans $ 4,879 $ 952 $ 3,585 $ 9,416 $ 250,481 $ 259,897 June 30, 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 Acquired Loans: Residential mortgage loans: One- to four-family $ 202 $ — $ 310 $ 512 $ 11,129 $ 11,641 202 — 310 512 11,129 11,641 Commercial loans: Real estate - nonresidential — — — — 1,833 1,833 Commercial business — — — — 227 227 — — — — 2,060 2,060 Consumer loans: Home equity and junior liens — 4 54 58 1,049 1,107 Other consumer 22 — — 22 109 131 22 4 54 80 1,158 1,238 Total acquired loans $ 224 $ 4 $ 364 $ 592 $ 14,347 $ 14,939 June 30, 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 Total Loans: Residential mortgage loans: One- to four-family $ 3,205 $ 828 $ 2,269 $ 6,302 $ 113,255 $ 119,557 3,205 828 2,269 6,302 113,255 119,557 Commercial loans: Real estate - nonresidential 568 — 604 1,172 21,505 22,677 Multi-family — — — — 405 405 Commercial business 261 76 849 1,186 17,378 18,564 829 76 1,453 2,358 39,288 41,646 Consumer loans: Home equity and junior liens 70 4 163 237 9,659 9,896 Manufactured homes 706 — — 706 47,349 48,055 Automobile 139 41 61 241 22,723 22,964 Student — — — — 2,258 2,258 Recreational vehicle 119 — — 119 25,172 25,291 Other consumer 35 7 3 45 5,124 5,169 1,069 52 227 1,348 112,285 113,633 Total loans $ 5,103 $ 956 $ 3,949 $ 10,008 $ 264,828 $ 274,836 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 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 Acquired Loans: Residential mortgage loans: One- to four-family $ 223 $ 48 $ 370 $ 641 $ 13,461 $ 14,102 223 48 370 641 13,461 14,102 Commercial loans: Real estate - nonresidential — — — — 1,942 1,942 Commercial business — 15 — 15 312 327 Other commercial and industrial — 15 — 15 2,254 2,269 Consumer loans: 46 6 44 96 1,310 1,406 Home equity and junior liens — — 2 2 188 190 Other consumer 46 6 46 98 1,498 1,596 $ 269 $ 69 $ 416 $ 754 $ 17,213 $ 17,967 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 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: June 30, December 31, (In thousands) 2021 2020 Residential mortgage loans: One- to four-family $ 2,269 $ 3,245 2,269 3,245 Commercial loans: Real estate - nonresidential 604 1,103 Multi-family — 42 Commercial business 849 688 1,453 1,833 Consumer loans: Home equity and junior liens 163 102 Manufactured homes — 75 Automobile 61 33 Other consumer 3 31 227 241 Total non-accrual loans $ 3,949 $ 5,319 There were no loans past due more than ninety days and still accruing interest at June 30, 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 is 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 June 30, 2021, there were 16 TDR loans totaling $2.9 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 continue to accrue interest. 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: June 30, 2021 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,266 $ 2,387 $ — Commercial real estate - nonresidential 862 1,212 — Commercial business 73 73 — Home equity and junior liens 139 139 — With an allowance recorded: One- to four-family residential mortgages 347 347 15 Commercial business 429 429 194 Other consumer 3 3 2 Total: One- to four-family residential mortgages 2,613 2,734 15 Commercial real estate - nonresidential 862 1,212 — Commercial business 502 502 194 Home equity and junior liens 139 139 — Other consumer 3 3 2 $ 4,119 $ 4,590 $ 211 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 Six Months Ended June 30, June 30, (In thousands) 2021 2020 2021 2020 One- to four-family residential mortgages $ 2,737 $ 2,516 $ 2,750 $ 2,505 Commercial real estate - nonresidential 1,217 4,033 1,218 4,026 Commercial business 509 1,975 519 1,964 Home equity and junior liens 139 84 140 84 Automobile — 18 — 17 Other consumer 3 2 3 1 4,605 $ 8,628 4,630 $ 8,597 The following table presents interest income recognized on impaired loans: Three Months Ended Six Months Ended June 30, June 30, (In thousands) 2021 2020 2021 2020 One- to four-family residential mortgages $ 20 $ 17 $ 44 $ 37 Commercial real estate - nonresidential 10 19 10 36 Commercial business 1 28 2 46 Home equity and junior liens — — — 1 Manufactured homes — — — — Automobile — 4 — 4 $ 31 $ 68 $ 56 $ 124 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	6 Months Ended
Allowance for Loan Loss	Jun. 30, 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 June 30, 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 $ 540 $ — $ 388 $ 11 $ — $ 530 Charge-offs (74) — — — — — Recoveries 1 — 16 6 — — Provision (credit) for loan losses 144 — (28) (15) — 33 Ending balance $ 611 $ — $ 376 $ 2 $ — $ 563 Three Months Ended June 30, 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 $ 48 $ 81 $ 137 $ 71 $ — $ 75 $ — $ 1,881 Charge-offs — — (4) — — (3) — (81) Recoveries — — 15 — — 3 — 41 Provision (credit) for loan losses (2) 1 (5) (2) — 9 — 135 Ending balance $ 46 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Three Months Ended June 30, 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 $ 459 $ 1 $ 417 $ 18 $ — $ 491 Charge-offs (6) — — — — — Recoveries 1 — — 7 — 140 Provision (credit) for loan losses 95 — 92 16 — (251) Ending balance $ 549 $ 1 $ 509 $ 41 $ — $ 380 Three Months Ended June 30, 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 $ 53 $ — $ 127 $ 74 $ — $ 67 $ 45 $ 1,752 Charge-offs — — (8) — — — — (14) Recoveries 7 — 11 — 1 1 — 168 Provision (credit) for loan losses (22) — 4 (4) (1) (22) 183 90 Ending balance $ 38 $ — $ 134 $ 70 $ — $ 46 $ 228 $ 1,996 Six Months Ended June 30, 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 (77) — (51) — — (17) Recoveries 2 — 16 12 — 7 Provision (credit) for loan losses 229 — 92 (36) — (44) Ending balance $ 611 $ — $ 376 $ 2 $ — $ 563 Ending balance: related to loans individually evaluated for impairment $ 15 $ — $ — $ — $ — $ 194 Ending balance: related to loans collectively evaluated for impairment $ 596 $ — $ 376 $ 2 $ — $ 369 Loans receivable: Ending balance $ 119,557 $ — $ 22,677 $ 405 $ — $ 18,564 Ending balance: individually evaluated for impairment $ 2,613 $ — $ 862 $ — $ — $ 502 Ending balance: collectively evaluated for impairment $ 116,944 $ — $ 21,815 $ 405 $ — $ 18,062 Six Months Ended June 30, 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) — (6) — — (36) — (189) Recoveries — — 25 1 7 4 — 74 Provision (credit) for loan losses 2 6 (3) (1) (7) 32 — 270 Ending balance $ 46 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ 2 $ — $ 211 Ending balance: related to loans collectively evaluated for impairment $ 46 $ 82 $ 143 $ 69 $ — $ 82 $ — $ 1,765 Loans receivable: Ending balance $ 9,896 $ 48,055 $ 22,964 $ 2,258 $ 25,291 $ 5,169 $ — $ 274,836 Ending balance: individually evaluated for impairment $ 139 $ — $ — $ — $ — $ 3 $ — $ 4,119 Ending balance: collectively evaluated for impairment $ 9,757 $ 48,055 $ 22,964 $ 2,258 $ 25,291 $ 5,166 $ — $ 270,717 Six Months Ended June 30, 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 (8) — — — — — Recoveries 2 — — 9 — 140 Provision (credit) for loan losses 180 (1) 88 15 — (287) Ending balance $ 549 $ 1 $ 509 $ 41 $ — $ 380 Ending balance: related to loans individually evaluated for impairment $ 31 $ — $ 250 $ — $ — $ 132 Ending balance: related to loans collectively evaluated for impairment $ 518 $ 1 $ 259 $ 41 $ — $ 248 Loans receivable: Ending balance $ 135,909 $ 221 $ 34,884 $ 5,188 $ — $ 22,569 Ending balance: individually evaluated for impairment $ 2,347 $ — $ 4,028 $ — $ — $ 1,975 Ending balance: collectively evaluated for impairment $ 133,562 $ 221 $ 30,856 $ 5,188 $ — $ 20,594 Six Months Ended June 30, 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 — — (29) — (14) (3) — (54) Recoveries 12 — 35 — 2 10 — 210 Provision (credit) for loan losses (24) — (14) 1 12 4 206 180 Ending balance $ 38 $ — $ 134 $ 70 $ — $ 46 $ 228 $ 1,996 Ending balance: related to loans individually evaluated for impairment $ — $ — $ 25 $ — $ — $ 2 $ — $ 440 Ending balance: related to loans collectively evaluated for impairment $ 38 $ — $ 109 $ 70 $ — $ 44 $ 228 $ 1,556 Loans receivable: Ending balance $ 11,537 $ 30,020 $ 23,154 $ 2,290 $ 7,884 $ 3,776 $ — $ 277,432 Ending balance: individually evaluated for impairment $ 84 $ — $ 75 $ — $ — $ 2 $ — $ 8,511 Ending balance: collectively evaluated for impairment $ 11,453 $ 30,020 $ 23,079 $ 2,290 $ 7,884 $ 3,774 $ — $ 268,921 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 by product 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	6 Months Ended
Employee Benefit Plans	Jun. 30, 2021
Employee Benefit Plans
Employee Benefit Plans	7. Employee Benefit Plans 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 June 30, Six Months Ended June 30, (In thousands) 2021 2020 2021 2020 Net periodic expenses recognized in income: Service cost $ 114 $ 103 $ 229 $ 206 Interest cost 105 112 210 224 Expected return on plan assets (370) (335) (740) (669) Amortization of net losses 29 34 57 67 Net periodic pension benefit $ (122) $ (86) $ (244) $ (172) Medina Savings and Loan Plan: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2021 2020 2021 2020 Net periodic expenses recognized in income: Service cost $ 7 $ 7 $ 15 $ 14 Interest cost 33 36 65 71 Expected return on plan assets (116) (108) (232) (215) Net periodic pension benefit $ (76) $ (65) $ (152) $ (130)

Regulatory Capital

Regulatory Capital	6 Months Ended
Regulatory Capital	Jun. 30, 2021
Regulatory Capital
Regulatory Capital	8. Regulatory Capital 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 2.50% capital conservation buffer above the adequately capitalized risk-based capital ratios. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes as of June 30, 2021 and December 31, 2020, the Bank meets all capital adequacy requirements to which it is subject. 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 June 30, 2021 Common Equity Tier 1 Capital $ 40,519 14.16 % $ 12,873 6.00 % $ 18,594 8.00 % Total Capital (to Risk-Weighted Assets) $ 42,495 14.86 % $ 22,885 8.00 % $ 28,606 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 40,519 14.16 % $ 17,164 4.50 % $ 22,885 6.50 % Tier 1 Capital (to Total Adjusted Assets) $ 40,519 10.62 % $ 15,260 4.00 % $ 19,075 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 June 30, 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%. By letter dated September 10, 2020, based on its supervisory profile, the Office of the Comptroller of the Currency (“OCC”) established higher individual minimum capital ratios for Generations Bank. Specifically, effective September 10, 2020, Generations Bank is required to maintain a leverage ratio of 8.0% and a total capital ratio of 12.0%. The individual minimum capital ratios will remain in effect until terminated, modified, or suspended in writing by the OCC.

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
Commitments and Contingencies	Jun. 30, 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 June 30, 2021. Financial instruments whose contract amounts represent credit risk consist of the following: June 30, December 31, (In thousands) 2021 2020 Commitments to grant loans $ 5,134 $ 4,009 Unfunded commitments under lines of credit 15,324 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 June 30, 2021 with fixed interest rates amounted to approximately $5.1 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at June 30, 2021 with variable interest rates amounted to approximately $15.4 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 sold and funded $68.6 million to the Federal Home Loan Bank of New York as part of its mortgage partnership finance program (“MPF Program”), inclusive of USDA loans, to date. The principal outstanding balance on loans sold under the MPF Program is $11.0 million at June 30, 2021. The Bank continues to service loans sold under the MPF Program. Under the terms of the MPF Program, there is limited recourse 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 June 30, 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 June 30, 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 Medina Savings and Loan Association 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 expired on May 31, 2021 and was not renewed and the office was closed on May 7, 2021. Lease expense, since the merger, is included in occupancy expense and was $19,000 and $18,000 for the six month periods ended June 30, 2021 and 2020, respectively, and $41,000 for the year ending December 31, 2020. There are no future minimum lease commitments at June 30, 2021.

Revenue from Contracts with Cus

Revenue from Contracts with Customers	6 Months Ended
Revenue from Contracts with Customers	Jun. 30, 2021
Revenue from Contracts with Customers
Revenue from Contracts with Customers	10. Revenue from Contracts with Customers 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 Six Months Ended June 30, June 30, (In thousands) 2021 2020 2021 2020 Service charges on deposit accounts $ 131 $ 128 $ 266 $ 311 Debit card interchange and surcharge income 232 174 443 343 Investment services income — 27 — 84 Insurance commission and fees 201 190 375 406 Loan servicing fees 33 35 59 71 $ 597 $ 554 $ 1,143 $ 1,215 Service charges on deposit accounts Debit card interchange and surcharge income Investment services income commission percentage. All related costs are recorded as operating expenses. The Company sold this line of business to a third party at June 30, 2020. Insurance commissions and fees Loan servicing fees

Fair Value Disclosures

Fair Value Disclosures	6 Months Ended
Fair Value Disclosures	Jun. 30, 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 June 30, 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 June 30, 2021 and December 31, 2020. Cash and due from banks Interest-earning deposits Investment securities Municipal Bonds Federal Home Loan Bank (FHLB) stock Loans Impaired loans Deposits 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 Borrowings Subordinated Debt The following table presents a comparison of the carrying amount and estimated fair value of the Company’s financial instruments: June 30, 2021 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 15,269 $ 15,269 $ — $ — $ 15,269 Securities available-for-sale 36,244 — 33,064 3,180 36,244 Securities held-to-maturity 1,308 — 1,339 — 1,339 Equity securities 326 326 — — 326 Loans receivable 287,368 — — 282,330 282,330 Federal Home Loan Bank 1,683 — 1,683 — 1,683 Accrued interest receivable 1,284 1,284 — — 1,284 Financial liabilities: Deposits $ 310,461 $ 90,280 $ — $ 221,245 $ 311,525 Long-term borrowings 22,078 — 25,186 — 25,186 Accrued interest payable 51 51 — — 51 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: June 30, 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 $ — $ 36 $ — $ 36 Corporate Bonds — 18,642 — 18,642 Municipal bonds — 14,386 3,180 17,566 Equity investment securities: Large cap equity mutual fund 41 — — 41 Other mutual funds 285 — — 285 Total investment securities $ 326 $ 33,064 $ 3,180 $ 36,570 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 197 Purchases 826 Principal payments/maturities (1,017) Sales — Balance - June 30, 2021 $ 3,180 Investment (In thousands) Securities Balance - January 1, 2020 $ 2,512 Total gains realized/unrealized: Included in earnings — Included in other comprehensive income — Purchases 1,159 Principal payments/maturities (7) Sales — Balance - June 30, 2020 $ 3,664 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. Management receives valuations on these investments on a quarterly basis from an outside party. 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 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 June 30, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 1,801 $ 1,801 Foreclosed real estate & repossessed assets — — 28 28 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 June 30, 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 Foreclosed real estate & repossessed assets

Segment Information

Segment Information	6 Months Ended
Segment Information	Jun. 30, 2021
Segment Information
Segment Information	12. Segment Information 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 June 30, 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 $ 2,866 $ — $ 63 $ 2,929 $ 2,473 $ — $ 144 $ 2,617 Provision for loan losses 135 — — 135 90 — — 90 Net interest income after provision for loan losses 2,731 — 63 2,794 2,383 — 144 2,527 Total noninterest income 508 212 — 720 838 191 — 1,029 Compensation and benefits (1,252) (90) — (1,342) (1,124) (111) (19) (1,254) Other noninterest expense (1,661) (31) (32) (1,724) (1,505) (41) (23) (1,569) Income before income tax expense 326 91 31 448 592 39 102 733 Income tax expense 73 — 6 79 52 — — 52 Net income $ 253 $ 91 $ 25 $ 369 $ 540 $ 39 $ 102 $ 681 Six Months Ended June 30, 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 $ 5,646 $ — $ 126 $ 5,772 $ 4,815 $ — $ 269 $ 5,084 Provision for loan losses 270 — — 270 180 — — 180 Net interest income after provision for loan losses 5,376 — 126 5,502 4,635 — 269 4,904 Total noninterest income 947 385 — 1,332 1,105 409 — 1,514 Compensation and benefits (2,410) (191) — (2,601) (2,525) (195) (38) (2,758) Other noninterest expense (3,222) (68) (63) (3,353) (3,059) (89) (45) (3,193) Income before income tax expense (benefit) 691 126 63 880 156 125 186 467 Income tax expense (benefit) 145 — 13 158 (224) — — (224) Net income $ 546 $ 126 $ 50 $ 722 $ 380 $ 125 $ 186 $ 691 The following represents a reconciliation of the Company’s reported segment assets: At June 30, At December 31, (In thousands) 2021 2020 Total assets for reportable segments $ 396,627 $ 391,536 Elimination of intercompany balances (16,539) (18,522) Consolidated total assets $ 380,088 $ 373,014 The accounting policies of each segment are the same as those described in the summary of significant accounting policies.

Recently Issued Accounting Pron

Recently Issued Accounting Pronouncements	6 Months Ended
Recently Issued Accounting Pronouncements	Jun. 30, 2021
Recently Issued Accounting Pronouncements
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 are not 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, such as the Company, 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 will hire a vendor to assist with expected credit loss projections. 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. 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)	6 Months Ended
Nature of Operations (Policies)	Jun. 30, 2021
Nature of Operations
Interim Financial Statements	Interim Financial Statements The interim condensed consolidated financial statements as of June 30, 2021, and for the three and six months ended June 30, 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 and six months ended June 30, 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 to 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 Loss (Tables)	6 Months Ended
Accumulated Other Comprehensive Loss (Tables)	Jun. 30, 2021
Accumulated Other Comprehensive Loss
Schedule of Other comprehensive income information	Unrealized Accumulated (Losses) Gains Defined Other Three Months Ended June 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, March 31, 2021 $ 710 $ (2,115) $ (1,405) Other comprehensive loss before reclassifications 170 — 170 Amounts reclassified from AOCI to the income statement 2 22 24 Net current-period other comprehensive income 172 22 194 Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) Balance, March 31, 2020 $ 994 $ (2,293) $ (1,299) Other comprehensive income before reclassifications 332 — 332 Amounts reclassified from AOCI to the income statement — 26 26 Net current-period other comprehensive income 332 26 358 Balance, June 30, 2020 $ 1,326 $ (2,267) $ (941) Unrealized Accumulated (Losses) Gains Defined Other Six Months Ended June 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, January 1, 2021 $ 723 $ (2,138) $ (1,415) Other comprehensive loss before reclassifications 157 — 157 Amounts reclassified from AOCI to the income statement 2 45 47 Net current-period other comprehensive income 159 45 204 Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) Balance, January 1, 2020 $ 658 $ (2,320) $ (1,662) Other comprehensive income before reclassifications 668 — 668 Amounts reclassified from AOCI to the income statement — 53 53 Net current-period other comprehensive income 668 53 721 Balance, June 30, 2020 $ 1,326 $ (2,267) $ (941)
Reclassified out of each component of accumulated other comprehensive loss	Three Months Ended Six Months Ended June 30, June 30, Affected Line Item in the (In thousands) 2021 2020 2021 2020 Statement of Income Available-for-sale securities: Realized loss on sale of securities $ (2) $ — $ (2) $ — Net loss on sale of securities $ (2) $ — $ (2) $ — Net income Defined benefit pension plan: Retirement plan net losses recognized in net periodic pension cost $ 28 $ 33 $ 57 $ 67 Compensation and benefits Tax effect (6) (7) (12) (14) Income tax expense $ 22 $ 26 $ 45 $ 53 Net income (1)

Securities (Tables)

Securities (Tables)	6 Months Ended
Securities (Tables)	Jun. 30, 2021
Securities
Schedule of investments in securities available-for-sale and held-to-maturity	June 30, 2021 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 36 $ 1 $ (1) $ 36 Corporate bonds 18,423 389 (170) 18,642 State and political subdivisions 16,668 961 (63) 17,566 Total securities available-for-sale $ 35,127 $ 1,351 $ (234) $ 36,244 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,308 $ 34 $ (3) $ 1,339 Total securities held-to-maturity $ 1,308 $ 34 $ (3) $ 1,339 Equity securities: Large cap equity mutual fund $ 41 $ 41 Other mutual funds 285 285 Total of equity securities $ 326 $ 326 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	June 30, 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 $ — $ — $ 25 $ (1) $ 25 $ (1) Corporate bonds 5,426 (170) — — 5,426 (170) State and political subdivisions 4,791 (63) — — 4,791 (63) Total securities available-for-sale $ 10,217 $ (233) $ 25 $ (1) $ 10,242 $ (234) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 54 $ (1) $ 138 $ (2) $ 192 $ (3) Total securities held-to-maturity $ 54 $ (1) $ 138 $ (2) $ 192 $ (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	June 30, 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 $ 10 $ 10 $ — $ — Due over one year through five years 2,336 2,366 — — Due over five through ten years 5,399 5,580 — — Due after ten years 27,346 28,252 — — 35,091 36,208 — — Residential mortgage-backed securities 36 36 1,308 1,339 Total $ 35,127 $ 36,244 $ 1,308 $ 1,339

Loans Receivable (Tables)

Loans Receivable (Tables)	6 Months Ended
Loans Receivable (Tables)	Jun. 30, 2021
Loans Receivable
Schedule of major classifications of loans	June 30, December 31, (In thousands) 2021 2020 Originated Loans: Residential mortgages: One- to four-family $ 107,916 $ 113,254 107,916 113,254 Commercial loans: Real estate - nonresidential 20,844 22,812 Multi-family 405 5,125 Commercial business 18,337 20,178 39,586 48,115 Consumer: Home equity and junior liens 8,789 9,981 Manufactured homes 48,055 44,347 Automobile 22,964 21,469 Student 2,258 2,259 Recreational vehicle 25,291 14,557 Other consumer 5,038 4,081 112,395 96,694 Total originated loans 259,897 258,063 Net deferred loan costs 14,892 11,854 Less allowance for loan losses (1,976) (1,821) Net originated loans $ 272,813 $ 268,096 June 30, December 31, (In thousands) 2021 2020 Acquired Loans: Residential mortgages: One- to four-family $ 11,641 $ 14,102 11,641 14,102 Commercial loans: Real estate - nonresidential 1,833 1,942 Commercial business 227 327 2,060 2,269 Consumer: Home equity and junior liens 1,107 1,406 Other consumer 131 190 1,238 1,596 Total acquired loans 14,939 17,967 Net deferred loan costs (63) (67) Fair value credit and yield adjustment (321) (356) Net acquired loans $ 14,555 $ 17,544 June 30, December 31, (In thousands) 2021 2020 Total Loans: Residential mortgages: One- to four-family $ 119,557 $ 127,356 119,557 127,356 Commercial loans: Real estate - nonresidential 22,677 24,754 Multi-family 405 5,125 Commercial business 18,564 20,505 41,646 50,384 Consumer: Home equity and junior liens 9,896 11,387 Manufactured homes 48,055 44,347 Automobile 22,964 21,469 Student 2,258 2,259 Recreational vehicle 25,291 14,557 Other consumer 5,169 4,271 113,633 98,290 Total Loans 274,836 276,030 Net deferred loan costs 14,829 11,787 Fair value credit and yield adjustment (321) (356) Less allowance for loan losses (1,976) (1,821) Loans receivable, net $ 287,368 $ 285,640
Summary of loan portfolio by Company's internal risk rating system	June 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 104,593 $ 1,021 $ 2,302 $ — $ 107,916 104,593 1,021 2,302 — 107,916 Commercial loans: Real estate - nonresidential 13,620 4,768 2,456 — 20,844 Multi-family 405 — — — 405 Commercial business 15,638 1,240 1,459 — 18,337 29,663 6,008 3,915 — 39,586 Consumer: Home equity and junior liens 8,703 — 86 — 8,789 Manufactured homes 48,055 — — — 48,055 Automobile 22,886 17 61 — 22,964 Student 2,258 — — — 2,258 Recreational vehicle 25,291 — — — 25,291 Other consumer 5,028 7 3 — 5,038 112,221 24 150 — 112,395 Total originated loans $ 246,477 $ 7,053 $ 6,367 $ — $ 259,897 June 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 11,227 $ 85 $ 329 $ — $ 11,641 11,227 85 329 — 11,641 Commercial loans: Real estate - nonresidential 1,833 — — — 1,833 Commercial business 227 — — — 227 2,060 — — — 2,060 Consumer: Home equity and junior liens 1,072 — 35 — 1,107 Other consumer 131 — — — 131 1,203 — 35 — 1,238 Total acquired loans $ 14,490 $ 85 $ 364 $ — $ 14,939 June 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 115,820 $ 1,106 $ 2,631 $ — $ 119,557 115,820 1,106 2,631 — 119,557 Commercial loans: Real estate - nonresidential 15,453 4,768 2,456 — 22,677 Multi-family 405 — — — 405 Commercial business 15,865 1,240 1,459 — 18,564 31,723 6,008 3,915 — 41,646 Consumer: Home equity and junior liens 9,775 — 121 — 9,896 Manufactured homes 48,055 — — — 48,055 Automobile 22,886 17 61 — 22,964 Student 2,258 — — — 2,258 Recreational vehicle 25,291 — — — 25,291 Other consumer 5,159 7 3 — 5,169 113,424 24 185 — 113,633 Total loans $ 260,967 $ 7,138 $ 6,731 $ — $ 274,836 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 December 31, 2020 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 December 31, 2020 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	June 30, 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 $ 3,003 $ 828 $ 1,959 $ 5,790 $ 102,126 $ 107,916 3,003 828 1,959 5,790 102,126 107,916 Commercial loans: Real estate - nonresidential 568 — 604 1,172 19,672 20,844 Multi-family — — — — 405 405 Commercial business 261 76 849 1,186 17,151 18,337 829 76 1,453 2,358 37,228 39,586 Consumer loans: Home equity and junior liens 70 — 109 179 8,610 8,789 Manufactured homes 706 — — 706 47,349 48,055 Automobile 139 41 61 241 22,723 22,964 Student — — — — 2,258 2,258 Recreational vehicle 119 — — 119 25,172 25,291 Other consumer 13 7 3 23 5,015 5,038 1,047 48 173 1,268 111,127 112,395 Total originated loans $ 4,879 $ 952 $ 3,585 $ 9,416 $ 250,481 $ 259,897 June 30, 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 Acquired Loans: Residential mortgage loans: One- to four-family $ 202 $ — $ 310 $ 512 $ 11,129 $ 11,641 202 — 310 512 11,129 11,641 Commercial loans: Real estate - nonresidential — — — — 1,833 1,833 Commercial business — — — — 227 227 — — — — 2,060 2,060 Consumer loans: Home equity and junior liens — 4 54 58 1,049 1,107 Other consumer 22 — — 22 109 131 22 4 54 80 1,158 1,238 Total acquired loans $ 224 $ 4 $ 364 $ 592 $ 14,347 $ 14,939 June 30, 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 Total Loans: Residential mortgage loans: One- to four-family $ 3,205 $ 828 $ 2,269 $ 6,302 $ 113,255 $ 119,557 3,205 828 2,269 6,302 113,255 119,557 Commercial loans: Real estate - nonresidential 568 — 604 1,172 21,505 22,677 Multi-family — — — — 405 405 Commercial business 261 76 849 1,186 17,378 18,564 829 76 1,453 2,358 39,288 41,646 Consumer loans: Home equity and junior liens 70 4 163 237 9,659 9,896 Manufactured homes 706 — — 706 47,349 48,055 Automobile 139 41 61 241 22,723 22,964 Student — — — — 2,258 2,258 Recreational vehicle 119 — — 119 25,172 25,291 Other consumer 35 7 3 45 5,124 5,169 1,069 52 227 1,348 112,285 113,633 Total loans $ 5,103 $ 956 $ 3,949 $ 10,008 $ 264,828 $ 274,836 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 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 Acquired Loans: Residential mortgage loans: One- to four-family $ 223 $ 48 $ 370 $ 641 $ 13,461 $ 14,102 223 48 370 641 13,461 14,102 Commercial loans: Real estate - nonresidential — — — — 1,942 1,942 Commercial business — 15 — 15 312 327 Other commercial and industrial — 15 — 15 2,254 2,269 Consumer loans: 46 6 44 96 1,310 1,406 Home equity and junior liens — — 2 2 188 190 Other consumer 46 6 46 98 1,498 1,596 $ 269 $ 69 $ 416 $ 754 $ 17,213 $ 17,967 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 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	June 30, December 31, (In thousands) 2021 2020 Residential mortgage loans: One- to four-family $ 2,269 $ 3,245 2,269 3,245 Commercial loans: Real estate - nonresidential 604 1,103 Multi-family — 42 Commercial business 849 688 1,453 1,833 Consumer loans: Home equity and junior liens 163 102 Manufactured homes — 75 Automobile 61 33 Other consumer 3 31 227 241 Total non-accrual loans $ 3,949 $ 5,319
Summary of impaired loans information by portfolio class	June 30, 2021 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,266 $ 2,387 $ — Commercial real estate - nonresidential 862 1,212 — Commercial business 73 73 — Home equity and junior liens 139 139 — With an allowance recorded: One- to four-family residential mortgages 347 347 15 Commercial business 429 429 194 Other consumer 3 3 2 Total: One- to four-family residential mortgages 2,613 2,734 15 Commercial real estate - nonresidential 862 1,212 — Commercial business 502 502 194 Home equity and junior liens 139 139 — Other consumer 3 3 2 $ 4,119 $ 4,590 $ 211 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 Six Months Ended June 30, June 30, (In thousands) 2021 2020 2021 2020 One- to four-family residential mortgages $ 2,737 $ 2,516 $ 2,750 $ 2,505 Commercial real estate - nonresidential 1,217 4,033 1,218 4,026 Commercial business 509 1,975 519 1,964 Home equity and junior liens 139 84 140 84 Automobile — 18 — 17 Other consumer 3 2 3 1 4,605 $ 8,628 4,630 $ 8,597 The following table presents interest income recognized on impaired loans: Three Months Ended Six Months Ended June 30, June 30, (In thousands) 2021 2020 2021 2020 One- to four-family residential mortgages $ 20 $ 17 $ 44 $ 37 Commercial real estate - nonresidential 10 19 10 36 Commercial business 1 28 2 46 Home equity and junior liens — — — 1 Manufactured homes — — — — Automobile — 4 — 4 $ 31 $ 68 $ 56 $ 124

Allowance for Loan Loss (Tables

Allowance for Loan Loss (Tables)	6 Months Ended
Allowance for Loan Loss (Tables)	Jun. 30, 2021
Allowance for Loan Loss
Changes in the allowance for loan losses	Three Months Ended June 30, 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 $ 540 $ — $ 388 $ 11 $ — $ 530 Charge-offs (74) — — — — — Recoveries 1 — 16 6 — — Provision (credit) for loan losses 144 — (28) (15) — 33 Ending balance $ 611 $ — $ 376 $ 2 $ — $ 563 Three Months Ended June 30, 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 $ 48 $ 81 $ 137 $ 71 $ — $ 75 $ — $ 1,881 Charge-offs — — (4) — — (3) — (81) Recoveries — — 15 — — 3 — 41 Provision (credit) for loan losses (2) 1 (5) (2) — 9 — 135 Ending balance $ 46 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Three Months Ended June 30, 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 $ 459 $ 1 $ 417 $ 18 $ — $ 491 Charge-offs (6) — — — — — Recoveries 1 — — 7 — 140 Provision (credit) for loan losses 95 — 92 16 — (251) Ending balance $ 549 $ 1 $ 509 $ 41 $ — $ 380 Three Months Ended June 30, 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 $ 53 $ — $ 127 $ 74 $ — $ 67 $ 45 $ 1,752 Charge-offs — — (8) — — — — (14) Recoveries 7 — 11 — 1 1 — 168 Provision (credit) for loan losses (22) — 4 (4) (1) (22) 183 90 Ending balance $ 38 $ — $ 134 $ 70 $ — $ 46 $ 228 $ 1,996 Six Months Ended June 30, 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 (77) — (51) — — (17) Recoveries 2 — 16 12 — 7 Provision (credit) for loan losses 229 — 92 (36) — (44) Ending balance $ 611 $ — $ 376 $ 2 $ — $ 563 Ending balance: related to loans individually evaluated for impairment $ 15 $ — $ — $ — $ — $ 194 Ending balance: related to loans collectively evaluated for impairment $ 596 $ — $ 376 $ 2 $ — $ 369 Loans receivable: Ending balance $ 119,557 $ — $ 22,677 $ 405 $ — $ 18,564 Ending balance: individually evaluated for impairment $ 2,613 $ — $ 862 $ — $ — $ 502 Ending balance: collectively evaluated for impairment $ 116,944 $ — $ 21,815 $ 405 $ — $ 18,062 Six Months Ended June 30, 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) — (6) — — (36) — (189) Recoveries — — 25 1 7 4 — 74 Provision (credit) for loan losses 2 6 (3) (1) (7) 32 — 270 Ending balance $ 46 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ 2 $ — $ 211 Ending balance: related to loans collectively evaluated for impairment $ 46 $ 82 $ 143 $ 69 $ — $ 82 $ — $ 1,765 Loans receivable: Ending balance $ 9,896 $ 48,055 $ 22,964 $ 2,258 $ 25,291 $ 5,169 $ — $ 274,836 Ending balance: individually evaluated for impairment $ 139 $ — $ — $ — $ — $ 3 $ — $ 4,119 Ending balance: collectively evaluated for impairment $ 9,757 $ 48,055 $ 22,964 $ 2,258 $ 25,291 $ 5,166 $ — $ 270,717 Six Months Ended June 30, 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 (8) — — — — — Recoveries 2 — — 9 — 140 Provision (credit) for loan losses 180 (1) 88 15 — (287) Ending balance $ 549 $ 1 $ 509 $ 41 $ — $ 380 Ending balance: related to loans individually evaluated for impairment $ 31 $ — $ 250 $ — $ — $ 132 Ending balance: related to loans collectively evaluated for impairment $ 518 $ 1 $ 259 $ 41 $ — $ 248 Loans receivable: Ending balance $ 135,909 $ 221 $ 34,884 $ 5,188 $ — $ 22,569 Ending balance: individually evaluated for impairment $ 2,347 $ — $ 4,028 $ — $ — $ 1,975 Ending balance: collectively evaluated for impairment $ 133,562 $ 221 $ 30,856 $ 5,188 $ — $ 20,594 Six Months Ended June 30, 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 — — (29) — (14) (3) — (54) Recoveries 12 — 35 — 2 10 — 210 Provision (credit) for loan losses (24) — (14) 1 12 4 206 180 Ending balance $ 38 $ — $ 134 $ 70 $ — $ 46 $ 228 $ 1,996 Ending balance: related to loans individually evaluated for impairment $ — $ — $ 25 $ — $ — $ 2 $ — $ 440 Ending balance: related to loans collectively evaluated for impairment $ 38 $ — $ 109 $ 70 $ — $ 44 $ 228 $ 1,556 Loans receivable: Ending balance $ 11,537 $ 30,020 $ 23,154 $ 2,290 $ 7,884 $ 3,776 $ — $ 277,432 Ending balance: individually evaluated for impairment $ 84 $ — $ 75 $ — $ — $ 2 $ — $ 8,511 Ending balance: collectively evaluated for impairment $ 11,453 $ 30,020 $ 23,079 $ 2,290 $ 7,884 $ 3,774 $ — $ 268,921 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)	6 Months Ended
Employee Benefit Plans (Tables)	Jun. 30, 2021
Employee Benefit Plans
Schedule of net periodic expenses recognized in income	Generations Bank Plan: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2021 2020 2021 2020 Net periodic expenses recognized in income: Service cost $ 114 $ 103 $ 229 $ 206 Interest cost 105 112 210 224 Expected return on plan assets (370) (335) (740) (669) Amortization of net losses 29 34 57 67 Net periodic pension benefit $ (122) $ (86) $ (244) $ (172) Medina Savings and Loan Plan: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2021 2020 2021 2020 Net periodic expenses recognized in income: Service cost $ 7 $ 7 $ 15 $ 14 Interest cost 33 36 65 71 Expected return on plan assets (116) (108) (232) (215) Net periodic pension benefit $ (76) $ (65) $ (152) $ (130)

Regulatory Capital (Tables)

Regulatory Capital (Tables)	6 Months Ended
Regulatory Capital (Tables)	Jun. 30, 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 June 30, 2021 Common Equity Tier 1 Capital $ 40,519 14.16 % $ 12,873 6.00 % $ 18,594 8.00 % Total Capital (to Risk-Weighted Assets) $ 42,495 14.86 % $ 22,885 8.00 % $ 28,606 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 40,519 14.16 % $ 17,164 4.50 % $ 22,885 6.50 % Tier 1 Capital (to Total Adjusted Assets) $ 40,519 10.62 % $ 15,260 4.00 % $ 19,075 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)	6 Months Ended
Commitments and Contingencies (Tables)	Jun. 30, 2021
Commitments and Contingencies
Financial instruments whose contract amounts represent credit risk	June 30, December 31, (In thousands) 2021 2020 Commitments to grant loans $ 5,134 $ 4,009 Unfunded commitments under lines of credit 15,324 14,823

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	6 Months Ended
Revenue from Contracts with Customers (Tables)	Jun. 30, 2021
Revenue from Contracts with Customers
Schedule of disaggregation of revenue	Three Months Ended Six Months Ended June 30, June 30, (In thousands) 2021 2020 2021 2020 Service charges on deposit accounts $ 131 $ 128 $ 266 $ 311 Debit card interchange and surcharge income 232 174 443 343 Investment services income — 27 — 84 Insurance commission and fees 201 190 375 406 Loan servicing fees 33 35 59 71 $ 597 $ 554 $ 1,143 $ 1,215

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	6 Months Ended
Fair Value Disclosures (Tables)	Jun. 30, 2021
Fair Value Disclosures
Schedule of carrying amount and estimated fair value of the Company's financial instrument	June 30, 2021 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 15,269 $ 15,269 $ — $ — $ 15,269 Securities available-for-sale 36,244 — 33,064 3,180 36,244 Securities held-to-maturity 1,308 — 1,339 — 1,339 Equity securities 326 326 — — 326 Loans receivable 287,368 — — 282,330 282,330 Federal Home Loan Bank 1,683 — 1,683 — 1,683 Accrued interest receivable 1,284 1,284 — — 1,284 Financial liabilities: Deposits $ 310,461 $ 90,280 $ — $ 221,245 $ 311,525 Long-term borrowings 22,078 — 25,186 — 25,186 Accrued interest payable 51 51 — — 51 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	June 30, 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 $ — $ 36 $ — $ 36 Corporate Bonds — 18,642 — 18,642 Municipal bonds — 14,386 3,180 17,566 Equity investment securities: Large cap equity mutual fund 41 — — 41 Other mutual funds 285 — — 285 Total investment securities $ 326 $ 33,064 $ 3,180 $ 36,570 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 197 Purchases 826 Principal payments/maturities (1,017) Sales — Balance - June 30, 2021 $ 3,180 Investment (In thousands) Securities Balance - January 1, 2020 $ 2,512 Total gains realized/unrealized: Included in earnings — Included in other comprehensive income — Purchases 1,159 Principal payments/maturities (7) Sales — Balance - June 30, 2020 $ 3,664
Schedule of assets measured at fair value on a nonrecurring basis	At June 30, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 1,801 $ 1,801 Foreclosed real estate & repossessed assets — — 28 28 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)	6 Months Ended
Segment Information (Tables)	Jun. 30, 2021
Segment Information
Summary of information about segments	Three Months Ended June 30, 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 $ 2,866 $ — $ 63 $ 2,929 $ 2,473 $ — $ 144 $ 2,617 Provision for loan losses 135 — — 135 90 — — 90 Net interest income after provision for loan losses 2,731 — 63 2,794 2,383 — 144 2,527 Total noninterest income 508 212 — 720 838 191 — 1,029 Compensation and benefits (1,252) (90) — (1,342) (1,124) (111) (19) (1,254) Other noninterest expense (1,661) (31) (32) (1,724) (1,505) (41) (23) (1,569) Income before income tax expense 326 91 31 448 592 39 102 733 Income tax expense 73 — 6 79 52 — — 52 Net income $ 253 $ 91 $ 25 $ 369 $ 540 $ 39 $ 102 $ 681 Six Months Ended June 30, 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 $ 5,646 $ — $ 126 $ 5,772 $ 4,815 $ — $ 269 $ 5,084 Provision for loan losses 270 — — 270 180 — — 180 Net interest income after provision for loan losses 5,376 — 126 5,502 4,635 — 269 4,904 Total noninterest income 947 385 — 1,332 1,105 409 — 1,514 Compensation and benefits (2,410) (191) — (2,601) (2,525) (195) (38) (2,758) Other noninterest expense (3,222) (68) (63) (3,353) (3,059) (89) (45) (3,193) Income before income tax expense (benefit) 691 126 63 880 156 125 186 467 Income tax expense (benefit) 145 — 13 158 (224) — — (224) Net income $ 546 $ 126 $ 50 $ 722 $ 380 $ 125 $ 186 $ 691
Schedule of reconciliation of the Company's reported segment assets	At June 30, At December 31, (In thousands) 2021 2020 Total assets for reportable segments $ 396,627 $ 391,536 Elimination of intercompany balances (16,539) (18,522) Consolidated total assets $ 380,088 $ 373,014

Nature of Operations (Details)

Nature of Operations (Details) $ in Millions	Jan. 13, 2021USD ($)shares	Jun. 30, 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 Loss - Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	$ 41,947	$ 28,582	$ 29,886	$ 28,231
Net current-period other comprehensive income	194	358	204	721
Ending balance	42,545	29,338	42,545	29,338
Accumulated Other Comprehensive Loss
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	(1,405)	(1,299)	(1,415)	(1,662)
Other comprehensive loss before reclassifications	170	332	157	668
Amounts reclassified from AOCI to the income statement	24	26	47	53
Net current-period other comprehensive income	194	358	204	721
Ending balance	(1,211)	(941)	(1,211)	(941)
Defined Benefit Pension Plan
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	(2,115)	(2,293)	(2,138)	(2,320)
Amounts reclassified from AOCI to the income statement	22	26	45	53
Net current-period other comprehensive income	22	26	45	53
Ending balance	(2,093)	(2,267)	(2,093)	(2,267)
Securities Available-for-Sale
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	710	994	723	658
Other comprehensive loss before reclassifications	170	332	157	668
Amounts reclassified from AOCI to the income statement	2		2
Net current-period other comprehensive income	172	332	159	668
Ending balance	$ 882	$ 1,326	$ 882	$ 1,326

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss - Amounts Reclassified From AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Accumulated Other Comprehensive Income (Loss) - Amounts Reclassified From AOCI
Retirement plan net losses recognized in net periodic pension cost	$ 1,342	$ 1,254	$ 2,601	$ 2,758
Tax effect	79	52	158	(224)
Amounts Reclassified From AOCI \| Securities Available-for-Sale
Accumulated Other Comprehensive Income (Loss) - Amounts Reclassified From AOCI
Realized gain on sale of securities	(2)		(2)
Net income	(2)		(2)
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	28	33	57	67
Tax effect	(6)	(7)	(12)	(14)
Net income	$ 22	$ 26	$ 45	$ 53

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Sep. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Earnings Per Common Share
Weighted-average number of common shares outstanding	2,347,000	2,451,000	2,354,000	2,452,000
Dilutive common stock equivalents			$ 0	$ 0

Securities - Securities availab

Securities - Securities available-for-sale and held-to-maturity (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Securities available-for-sale:
Amortized Cost	$ 35,127	$ 17,010
Gross Unrealized Gains	1,351	918
Gross Unrealized Losses	(234)	(2)
Debt Securities, Available-for-sale, Total	36,244	17,926
Securities held-to-maturity:
Held-to-maturity securities Amortized Cost	1,308	1,480
Held-to-maturity securities Gross Unrealized Gains	34	33
Held-to-maturity securities Gross Unrealized Losses	(3)	(3)
Held-to-maturity securities Fair Value	1,339	1,510
Equity securities:
Equity securities amortized Cost	326	661
Equity securities	326	661
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Amortized Cost	36	39
Gross Unrealized Gains	1	1
Gross Unrealized Losses	(1)	(1)
Debt Securities, Available-for-sale, Total	36	39
Securities held-to-maturity:
Held-to-maturity securities Amortized Cost	1,308	1,480
Held-to-maturity securities Gross Unrealized Gains	34	33
Held-to-maturity securities Gross Unrealized Losses	(3)	(3)
Held-to-maturity securities Fair Value	1,339	1,510
Corporate Bonds
Securities available-for-sale:
Amortized Cost	18,423
Gross Unrealized Gains	389
Gross Unrealized Losses	(170)
Debt Securities, Available-for-sale, Total	18,642
State and political subdivisions
Securities available-for-sale:
Amortized Cost	16,668	16,971
Gross Unrealized Gains	961	917
Gross Unrealized Losses	(63)	(1)
Debt Securities, Available-for-sale, Total	17,566	17,887
Large cap equity mutual fund
Equity securities:
Equity securities amortized Cost	41	35
Equity securities	41	35
Other mutual funds
Equity securities:
Equity securities amortized Cost	285	626
Equity securities	$ 285	$ 626

Securities - Gross unrealized l

Securities - Gross unrealized losses on investment securities and the fair value (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	$ 10,217	$ 1,090
Fair Value of more than 12 months	25	2
Total Fair Value	10,242	1,092
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(233)	(2)
Gross unrealized losses more than 12 months	(1)
Total Gross unrealized losses	(234)	(2)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less	54	150
Fair Value more than 12 months	138	97
Total Fair Value	192	247
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less	(1)	(1)
Gross unrealized losses more than 12 months	(2)	(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		24
Fair Value of more than 12 months	25	2
Total Fair Value	25	26
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less		(1)
Gross unrealized losses more than 12 months	(1)
Total Gross unrealized losses	(1)	(1)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less	54	150
Fair Value more than 12 months	138	97
Total Fair Value	192	247
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less	(1)	(1)
Gross unrealized losses more than 12 months	(2)	(1)
Total Gross unrealized losses	(3)	(2)
Corporate Bonds
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	5,426
Total Fair Value	5,426
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(170)
Total Gross unrealized losses	(170)
State and political subdivisions
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	4,791	1,066
Total Fair Value	4,791	1,066
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(63)	(1)
Total Gross unrealized losses	$ (63)	$ (1)

Securities - Narrative (Details

Securities - Narrative (Details)	6 Months Ended
Securities - Narrative (Details)	Jun. 30, 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	Jun. 30, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Amortized Cost [Abstract]
Due in one year or less	$ 10
Due over one year through five years	2,336
Due over five through ten years	5,399
Due after ten years	27,346
Total	35,091
Residential mortgage-backed securities	36
Total	35,127	$ 17,010
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value [Abstract]
Due in one year or less	10
Due over one year through five years	2,366
Due over five through ten years	5,580
Due after ten years	28,252
Total	36,208
Residential mortgage-backed securities	36
Debt Securities, Available-for-sale, Total	36,244	17,926
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Amortized Cost [Abstract]
Residential mortgage-backed securities	1,308
Debt Securities, Held-to-maturity, Total	1,308	1,480
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Fair Value [Abstract]
Residential mortgage-backed securities	1,339
Held-to-maturity securities Fair Value	$ 1,339	$ 1,510

Securities - Gross realized gai

Securities - Gross realized gains (losses) on sales and redemptions (Details) - USD ($)	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Securities
Realized gains	$ 0
Realized losses	2,000
Gross realized gains (losses) on sales and redemptions		$ 0
Fair value of securities pledged as collateral	$ 5,698,399		$ 6,969,058

Loans Receivable - Major classi

Loans Receivable - Major classifications of loans (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 274,836		$ 276,030	$ 277,432
Net deferred loan costs	14,829		11,787
Fair value credit and yield adjustment	(321)		(356)
Less: Allowance for loan losses	(1,976)	$ (1,881)	(1,821)	(1,996)	$ (1,752)	$ (1,660)
Loans receivable, net	287,368		285,640
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	119,557		127,356
Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	119,557		127,356	135,909
Less: Allowance for loan losses	(611)	(540)	(457)	(549)	(459)	(375)
Residential \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans				221
Less: Allowance for loan losses				(1)	(1)	(2)
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	41,646		50,384
Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,677		24,754	34,884
Less: Allowance for loan losses	(376)	(388)	(319)	(509)	(417)	(421)
Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	405		5,125	5,188
Less: Allowance for loan losses	(2)	(11)	(26)	(41)	(18)	(17)
Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	18,564		20,505	22,569
Less: Allowance for loan losses	(563)	(530)	(617)	(380)	(491)	(527)
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	113,633		98,290
Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,896		11,387	11,537
Less: Allowance for loan losses	(46)	(48)	(46)	(38)	(53)	(50)
Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,055		44,347	30,020
Less: Allowance for loan losses	(82)	(81)	(76)
Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,964		21,469	23,154
Less: Allowance for loan losses	(143)	(137)	(127)	(134)	(127)	(142)
Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,258		2,259	2,290
Less: Allowance for loan losses	(69)	(71)	(69)	(70)	(74)	(69)
Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	25,291		14,557	7,884
Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,169		4,271	3,776
Less: Allowance for loan losses	(84)	$ (75)	(84)	$ (46)	$ (67)	$ (35)
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	259,897		258,063
Net deferred loan costs	14,892		11,854
Less: Allowance for loan losses	(1,976)		(1,821)
Loans receivable, net	272,813		268,096
Originated \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	107,916		113,254
Originated \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	107,916		113,254
Originated \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	39,586		48,115
Originated \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	20,844		22,812
Originated \| Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	405		5,125
Originated \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	18,337		20,178
Originated \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	112,395		96,694
Originated \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,789		9,981
Originated \| Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,055		44,347
Originated \| Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,964		21,469
Originated \| Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,258		2,259
Originated \| Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	25,291		14,557
Originated \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,038		4,081
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	14,939		17,967
Net deferred loan costs	(63)		(67)
Fair value credit and yield adjustment	(321)		(356)
Loans receivable, net	14,555		17,544
Acquired \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,641		14,102
Acquired \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,641		14,102
Acquired \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,060		2,269
Acquired \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,833		1,942
Acquired \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	227		327
Acquired \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,238		1,596
Acquired \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,107		1,406
Acquired \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 131		$ 190

Loans Receivable - Loan portfol

Loans Receivable - Loan portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020	Jun. 30, 2020
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 274,836	$ 276,030	$ 277,432
Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	260,967	261,390
Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,138	6,003
Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,731	8,637
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	119,557	127,356
Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	115,820	123,421
Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,106	690
Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,631	3,245
Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	119,557	127,356	135,909
Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	115,820	123,421
Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,106	690
Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,631	3,245
Residential \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans			221
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	41,646	50,384
Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	31,723	39,958
Commercial \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,008	5,275
Commercial \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3,915	5,151
Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,677	24,754	34,884
Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,453	17,539
Commercial \| Real estate - nonresidential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,768	4,433
Commercial \| Real estate - nonresidential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,456	2,782
Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	405	5,125	5,188
Commercial \| Multi-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	405	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	18,564	20,505	22,569
Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,865	17,336
Commercial \| Commercial business \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,240	842
Commercial \| Commercial business \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,459	2,327
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	113,633	98,290
Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	113,424	98,011
Consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	24	38
Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	185	241
Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,896	11,387	11,537
Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,775	11,285
Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	121	102
Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,055	44,347	30,020
Consumer \| Manufactured homes \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,055	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	22,964	21,469	23,154
Consumer \| Automobile \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,886	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	61	33
Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,258	2,259	2,290
Consumer \| Student \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,258	2,259
Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	25,291	14,557	7,884
Consumer \| Recreational Vehicle \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	25,291	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	5,169	4,271	$ 3,776
Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,159	4,236
Consumer \| Other consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7	4
Consumer \| Other consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3	31
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	259,897	258,063
Originated \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	246,477	243,900
Originated \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,053	5,940
Originated \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,367	8,223
Originated \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	107,916	113,254
Originated \| Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	104,593	109,752
Originated \| Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,021	627
Originated \| Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,302	2,875
Originated \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	107,916	113,254
Originated \| Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	104,593	109,752
Originated \| Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,021	627
Originated \| Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,302	2,875
Originated \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	39,586	48,115
Originated \| Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	29,663	37,689
Originated \| Commercial \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,008	5,275
Originated \| Commercial \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3,915	5,151
Originated \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	20,844	22,812
Originated \| Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	13,620	15,597
Originated \| Commercial \| Real estate - nonresidential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,768	4,433
Originated \| Commercial \| Real estate - nonresidential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,456	2,782
Originated \| Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	405	5,125
Originated \| Commercial \| Multi-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	405	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	18,337	20,178
Originated \| Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,638	17,009
Originated \| Commercial \| Commercial business \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,240	842
Originated \| Commercial \| Commercial business \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,459	2,327
Originated \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	112,395	96,694
Originated \| Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	112,221	96,459
Originated \| Consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	24	38
Originated \| Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	150	197
Originated \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,789	9,981
Originated \| Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,703	9,923
Originated \| Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	86	58
Originated \| Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,055	44,347
Originated \| Consumer \| Manufactured homes \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,055	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	22,964	21,469
Originated \| Consumer \| Automobile \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,886	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	61	33
Originated \| Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,258	2,259
Originated \| Consumer \| Student \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,258	2,259
Originated \| Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	25,291	14,557
Originated \| Consumer \| Recreational Vehicle \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	25,291	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	5,038	4,081
Originated \| Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,028	4,046
Originated \| Consumer \| Other consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7	4
Originated \| Consumer \| Other consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3	31
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	14,939	17,967
Acquired \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	14,490	17,490
Acquired \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	85	63
Acquired \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	364	414
Acquired \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,641	14,102
Acquired \| Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,227	13,669
Acquired \| Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	85	63
Acquired \| Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	329	370
Acquired \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,641	14,102
Acquired \| Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,227	13,669
Acquired \| Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	85	63
Acquired \| Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	329	370
Acquired \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,060	2,269
Acquired \| Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,060	2,269
Acquired \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,833	1,942
Acquired \| Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,833	1,942
Acquired \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	227	327
Acquired \| Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	227	327
Acquired \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,238	1,596
Acquired \| Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,203	1,552
Acquired \| Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	35	44
Acquired \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,107	1,406
Acquired \| Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,072	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	131	190
Acquired \| Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 131	$ 190

Loans Receivable - Non-accrual

Loans Receivable - Non-accrual and Past Due Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020	Jun. 30, 2020
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 10,008	$ 10,938
Total Loans Current	264,828	265,092
Total loans	274,836	276,030	$ 277,432
Non-accrual loans	3,949	5,319
Number of loans past due more than ninety days and still accruing	0	0
Total outstanding TDR	2,900
30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	5,103	4,275
60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	956	1,344
90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,949	5,319
Residential
Financing Receivable, Past Due [Line Items]
Total Past Due	6,302	6,552
Total Loans Current	113,255	120,804
Total loans	119,557	127,356
Non-accrual loans	2,269	3,245
Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,205	2,568
Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	828	739
Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,269	3,245
Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total Past Due	6,302	6,552
Total Loans Current	113,255	120,804
Total loans	119,557	127,356	135,909
Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,205	2,568
Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	828	739
Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,269	3,245
Residential \| 1-4 family first-lien
Financing Receivable, Past Due [Line Items]
Non-accrual loans	2,269	3,245
Residential \| Construction
Financing Receivable, Past Due [Line Items]
Total loans			221
Commercial
Financing Receivable, Past Due [Line Items]
Total Past Due	2,358	2,119
Total Loans Current	39,288	48,265
Total loans	41,646	50,384
Non-accrual loans	1,453	1,833
Commercial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	829	205
Commercial \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	76	81
Commercial \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,453	1,833
Commercial \| Other commercial and industrial
Financing Receivable, Past Due [Line Items]
Non-accrual loans	849	688
Commercial \| Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total Past Due	1,172	1,235
Total Loans Current	21,505	23,519
Total loans	22,677	24,754	34,884
Non-accrual loans	604	1,103
Commercial \| Real estate - nonresidential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	568	66
Commercial \| Real estate - nonresidential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		66
Commercial \| Real estate - nonresidential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	604	1,103
Commercial \| Multi-family
Financing Receivable, Past Due [Line Items]
Total Past Due		42
Total Loans Current	405	5,083
Total loans	405	5,125	5,188
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	1,186	842
Total Loans Current	17,378	19,663
Total loans	18,564	20,505	22,569
Commercial \| Commercial business \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	261	139
Commercial \| Commercial business \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	76	15
Commercial \| Commercial business \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	849	688
Consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	1,348	2,267
Total Loans Current	112,285	96,023
Total loans	113,633	98,290
Non-accrual loans	227	241
Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,069	1,502
Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	52	524
Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	227	241
Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total Past Due	237	269
Total Loans Current	9,659	11,118
Total loans	9,896	11,387	11,537
Non-accrual loans	163	102
Consumer \| Home equity and junior liens \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	70	138
Consumer \| Home equity and junior liens \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	4	29
Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	163	102
Consumer \| Manufactured homes
Financing Receivable, Past Due [Line Items]
Total Past Due	706	1,459
Total Loans Current	47,349	42,888
Total loans	48,055	44,347	30,020
Non-accrual loans		75
Consumer \| Manufactured homes \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	706	944
Consumer \| Manufactured homes \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		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	241	242
Total Loans Current	22,723	21,227
Total loans	22,964	21,469	23,154
Non-accrual loans	61	33
Consumer \| Automobile \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	139	188
Consumer \| Automobile \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	41	21
Consumer \| Automobile \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	61	33
Consumer \| Student
Financing Receivable, Past Due [Line Items]
Total Loans Current	2,258	2,259
Total loans	2,258	2,259	2,290
Consumer \| Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total Past Due	119	259
Total Loans Current	25,172	14,298
Total loans	25,291	14,557	7,884
Consumer \| Recreational Vehicle \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	119	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	45	38
Total Loans Current	5,124	4,233
Total loans	5,169	4,271	$ 3,776
Non-accrual loans	3	31
Consumer \| Other consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	35	3
Consumer \| Other consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	7	4
Consumer \| Other consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3	31
Originated
Financing Receivable, Past Due [Line Items]
Total Past Due	9,416	10,184
Total Loans Current	250,481	247,879
Total loans	259,897	258,063
Originated \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	4,879	4,006
Originated \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	952	1,275
Originated \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,585	4,903
Originated \| Residential
Financing Receivable, Past Due [Line Items]
Total Past Due	5,790	5,911
Total Loans Current	102,126	107,343
Total loans	107,916	113,254
Originated \| Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,003	2,345
Originated \| Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	828	691
Originated \| Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,959	2,875
Originated \| Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total Past Due	5,790	5,911
Total Loans Current	102,126	107,343
Total loans	107,916	113,254
Originated \| Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,003	2,345
Originated \| Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	828	691
Originated \| Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,959	2,875
Originated \| Commercial
Financing Receivable, Past Due [Line Items]
Total Past Due	2,358	2,104
Total Loans Current	37,228	46,011
Total loans	39,586	48,115
Originated \| Commercial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	829	205
Originated \| Commercial \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	76	66
Originated \| Commercial \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,453	1,833
Originated \| Commercial \| Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total Past Due	1,172	1,235
Total Loans Current	19,672	21,577
Total loans	20,844	22,812
Originated \| Commercial \| Real estate - nonresidential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	568	66
Originated \| Commercial \| Real estate - nonresidential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		66
Originated \| Commercial \| Real estate - nonresidential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	604	1,103
Originated \| Commercial \| Multi-family
Financing Receivable, Past Due [Line Items]
Total Past Due		42
Total Loans Current	405	5,083
Total loans	405	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	1,186	827
Total Loans Current	17,151	19,351
Total loans	18,337	20,178
Originated \| Commercial \| Commercial business \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	261	139
Originated \| Commercial \| Commercial business \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	76
Originated \| Commercial \| Commercial business \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	849	688
Originated \| Consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	1,268	2,169
Total Loans Current	111,127	94,525
Total loans	112,395	96,694
Originated \| Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,047	1,456
Originated \| Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	48	518
Originated \| Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	173	195
Originated \| Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total Past Due	179	173
Total Loans Current	8,610	9,808
Total loans	8,789	9,981
Originated \| Consumer \| Home equity and junior liens \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	70	92
Originated \| Consumer \| Home equity and junior liens \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		23
Originated \| Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	109	58
Originated \| Consumer \| Manufactured homes
Financing Receivable, Past Due [Line Items]
Total Past Due	706	1,459
Total Loans Current	47,349	42,888
Total loans	48,055	44,347
Originated \| Consumer \| Manufactured homes \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	706	944
Originated \| Consumer \| Manufactured homes \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		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	241	242
Total Loans Current	22,723	21,227
Total loans	22,964	21,469
Originated \| Consumer \| Automobile \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	139	188
Originated \| Consumer \| Automobile \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	41	21
Originated \| Consumer \| Automobile \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	61	33
Originated \| Consumer \| Student
Financing Receivable, Past Due [Line Items]
Total Loans Current	2,258	2,259
Total loans	2,258	2,259
Originated \| Consumer \| Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total Past Due	119	259
Total Loans Current	25,172	14,298
Total loans	25,291	14,557
Originated \| Consumer \| Recreational Vehicle \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	119	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	23	36
Total Loans Current	5,015	4,045
Total loans	5,038	4,081
Originated \| Consumer \| Other consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	13	3
Originated \| Consumer \| Other consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	7	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	592	754
Total Loans Current	14,347	17,213
Total loans	14,939	17,967
Acquired \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	224	269
Acquired \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	4	69
Acquired \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	364	416
Acquired \| Residential
Financing Receivable, Past Due [Line Items]
Total Past Due	512	641
Total Loans Current	11,129	13,461
Total loans	11,641	14,102
Acquired \| Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	202	223
Acquired \| Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		48
Acquired \| Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	310	370
Acquired \| Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total Past Due	512	641
Total Loans Current	11,129	13,461
Total loans	11,641	14,102
Acquired \| Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	202	223
Acquired \| Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		48
Acquired \| Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	310	370
Acquired \| Commercial
Financing Receivable, Past Due [Line Items]
Total Loans Current	2,060
Total loans	2,060	2,269
Acquired \| Commercial \| Other commercial and industrial
Financing Receivable, Past Due [Line Items]
Total Past Due		15
Total Loans Current		2,254
Total loans		2,269
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	1,833	1,942
Total loans	1,833	1,942
Acquired \| Commercial \| Commercial business
Financing Receivable, Past Due [Line Items]
Total Past Due		15
Total Loans Current	227	312
Total loans	227	327
Acquired \| Commercial \| Commercial business \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		15
Acquired \| Consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	80	98
Total Loans Current	1,158	1,498
Total loans	1,238	1,596
Acquired \| Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	22	46
Acquired \| Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	4	6
Acquired \| Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	54	46
Acquired \| Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total Past Due	58	96
Total Loans Current	1,049	1,310
Total loans	1,107	1,406
Acquired \| Consumer \| Home equity and junior liens \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		46
Acquired \| Consumer \| Home equity and junior liens \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	4	6
Acquired \| Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	54	44
Acquired \| Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	22	2
Total Loans Current	109	188
Total loans	131	190
Acquired \| Consumer \| Other consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 22
Acquired \| Consumer \| Other consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		$ 2

Loans Receivable - Troubled Deb

Loans Receivable - Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2021USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2021USD ($)loan	Jun. 30, 2020USD ($)	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	$ 2,900		$ 2,900
Outstanding balance					$ 2,500
Charge-offs	(81)	$ (14)	$ (189)	$ (54)	(583)
Automobile
Loans and Leases Receivable Disclosure [Line Items]
Number of modified loans \| loan			16
Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Charge-offs	$ (4)	$ (8)	$ (6)	$ (29)	$ (54)

Loans Receivable - Impaired Loa

Loans Receivable - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Recorded Investment
Total:	$ 4,119		$ 4,119		$ 6,152
Unpaid Principal Balance
Total:	4,590		4,590		6,603
Related Allowance	211		211		305
Average Recorded Investment
Total:	4,605	$ 8,628	4,630	$ 8,597
One- to four-family
Recorded Investment
Total:	2,613		2,613
Unpaid Principal Balance
Total:	2,734		2,734
Related Allowance	15		15
Real estate - nonresidential
Recorded Investment
Total:	862		862
Unpaid Principal Balance
Total:	1,212		1,212
Commercial business
Recorded Investment
Total:	502		502
Unpaid Principal Balance
Total:	502		502
Related Allowance	194		194
Home equity and junior liens
Recorded Investment
Total:	139		139
Unpaid Principal Balance
Total:	139		139
Other consumer
Recorded Investment
Total:	3		3
Unpaid Principal Balance
Total:	3		3
Related Allowance	2		2
Residential \| One- to four-family
Recorded Investment
With no related allowance recorded:	2,266		2,266		2,836
With an allowance recorded:	347		347		429
Total:					3,265
Unpaid Principal Balance
With no related allowance recorded:	2,387		2,387		2,937
With an allowance recorded:	347		347		429
Total:					3,366
Related Allowance	15		15		21
Average Recorded Investment
Total:	2,737	2,516	2,750	2,505
Interest recognized on cash basis	20	17	44	37
Commercial \| Real estate - nonresidential
Recorded Investment
With no related allowance recorded:	862		862		1,198
Total:					1,198
Unpaid Principal Balance
With no related allowance recorded:	1,212		1,212		1,548
Total:					1,548
Average Recorded Investment
Total:	1,217	4,033	1,218	4,026
Interest recognized on cash basis	10	19	10	36
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:	73		73		782
With an allowance recorded:	429		429		713
Total:					1,495
Unpaid Principal Balance
With no related allowance recorded:	73		73		782
With an allowance recorded:	429		429		713
Total:					1,495
Related Allowance	194		194		265
Average Recorded Investment
Total:	509	1,975	519	1,964
Interest recognized on cash basis	1	28	2	46
Consumer
Average Recorded Investment
Interest recognized on cash basis	31	68	56	124
Consumer \| Home equity and junior liens
Recorded Investment
With no related allowance recorded:	139		139		109
Total:					109
Unpaid Principal Balance
With no related allowance recorded:	139		139		109
Total:					109
Average Recorded Investment
Total:	139	84	140	84
Interest recognized on cash basis				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
Average Recorded Investment
Total:		18		17
Interest recognized on cash basis		4		4
Consumer \| Other consumer
Recorded Investment
With an allowance recorded:	3		3		2
Total:					2
Unpaid Principal Balance
With an allowance recorded:	3		3		2
Total:					2
Related Allowance	2		2		$ 2
Average Recorded Investment
Total:	$ 3	$ 2	$ 3	$ 1

Allowance for Loan Loss (Detail

Allowance for Loan Loss (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
Allowance for Loan Loss (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Allowance for loan losses:
Beginning Balance	$ 1,881	$ 1,752	$ 1,821	$ 1,660	$ 1,660
Charge-offs	(81)	(14)	(189)	(54)	(583)
Recoveries	41	168	74	210	264
Provision (credit) for loan losses	135	90	270	180	480
Ending balance	1,976	1,996	1,976	1,996	1,821
Ending balance: related to loans individually evaluated for impairment	211	440	211	440	305
Ending balance: related to loans collectively evaluated for impairment	1,765	1,556	1,765	1,556	1,516
Loans receivable - Ending balance	274,836	277,432	274,836	277,432	276,030
Loans receivable - Ending balance: individually evaluated for impairment	4,119	8,511	4,119	8,511	6,152
Loans receivable - Ending balance: collectively evaluated for impairment	270,717	268,921	270,717	268,921	269,878
Unallocated
Allowance for loan losses:
Beginning Balance		45		22	22
Provision (credit) for loan losses		183		206	(22)
Ending balance		228		228
Ending balance: related to loans collectively evaluated for impairment		228		228
Residential
Allowance for loan losses:
Loans receivable - Ending balance	119,557		119,557		127,356
Residential \| One- to four-family
Allowance for loan losses:
Beginning Balance	540	459	457	375	375
Charge-offs	(74)	(6)	(77)	(8)	(89)
Recoveries	1	1	2	2	4
Provision (credit) for loan losses	144	95	229	180	167
Ending balance	611	549	611	549	457
Ending balance: related to loans individually evaluated for impairment	15	31	15	31	21
Ending balance: related to loans collectively evaluated for impairment	596	518	596	518	436
Loans receivable - Ending balance	119,557	135,909	119,557	135,909	127,356
Loans receivable - Ending balance: individually evaluated for impairment	2,613	2,347	2,613	2,347	3,265
Loans receivable - Ending balance: collectively evaluated for impairment	116,944	133,562	116,944	133,562	124,091
Residential \| Construction
Allowance for loan losses:
Beginning Balance		1		2	2
Provision (credit) for loan losses				(1)	(2)
Ending balance		1		1
Ending balance: related to loans collectively evaluated for impairment		1		1
Loans receivable - Ending balance		221		221
Loans receivable - Ending balance: collectively evaluated for impairment		221		221
Commercial
Allowance for loan losses:
Loans receivable - Ending balance	41,646		41,646		50,384
Commercial \| Real estate - nonresidential
Allowance for loan losses:
Beginning Balance	388	417	319	421	421
Charge-offs			(51)		(398)
Recoveries	16		16
Provision (credit) for loan losses	(28)	92	92	88	296
Ending balance	376	509	376	509	319
Ending balance: related to loans individually evaluated for impairment		250		250
Ending balance: related to loans collectively evaluated for impairment	376	259	376	259	319
Loans receivable - Ending balance	22,677	34,884	22,677	34,884	24,754
Loans receivable - Ending balance: individually evaluated for impairment	862	4,028	862	4,028	1,198
Loans receivable - Ending balance: collectively evaluated for impairment	21,815	30,856	21,815	30,856	23,556
Commercial \| Multi-family
Allowance for loan losses:
Beginning Balance	11	18	26	17	17
Recoveries	6	7	12	9	19
Provision (credit) for loan losses	(15)	16	(36)	15	(10)
Ending balance	2	41	2	41	26
Ending balance: related to loans individually evaluated for impairment					7
Ending balance: related to loans collectively evaluated for impairment	2	41	2	41	19
Loans receivable - Ending balance	405	5,188	405	5,188	5,125
Loans receivable - Ending balance: individually evaluated for impairment					42
Loans receivable - Ending balance: collectively evaluated for impairment	405	5,188	405	5,188	5,083
Commercial \| Commercial business
Allowance for loan losses:
Beginning Balance	530	491	617	527	527
Charge-offs			(17)		(15)
Recoveries		140	7	140	140
Provision (credit) for loan losses	33	(251)	(44)	(287)	(35)
Ending balance	563	380	563	380	617
Ending balance: related to loans individually evaluated for impairment	194	132	194	132	265
Ending balance: related to loans collectively evaluated for impairment	369	248	369	248	352
Loans receivable - Ending balance	18,564	22,569	18,564	22,569	20,505
Loans receivable - Ending balance: individually evaluated for impairment	502	1,975	502	1,975	1,495
Loans receivable - Ending balance: collectively evaluated for impairment	18,062	20,594	18,062	20,594	19,010
Consumer
Allowance for loan losses:
Loans receivable - Ending balance	113,633		113,633		98,290
Consumer \| Home equity and junior liens
Allowance for loan losses:
Beginning Balance	48	53	46	50	50
Charge-offs			(2)		(9)
Recoveries		7		12	12
Provision (credit) for loan losses	(2)	(22)	2	(24)	(7)
Ending balance	46	38	46	38	46
Ending balance: related to loans collectively evaluated for impairment	46	38	46	38	46
Loans receivable - Ending balance	9,896	11,537	9,896	11,537	11,387
Loans receivable - Ending balance: individually evaluated for impairment	139	84	139	84	109
Loans receivable - Ending balance: collectively evaluated for impairment	9,757	11,453	9,757	11,453	11,278
Consumer \| Manufactured homes
Allowance for loan losses:
Beginning Balance	81		76
Provision (credit) for loan losses	1		6		76
Ending balance	82		82		76
Ending balance: related to loans collectively evaluated for impairment	82		82		76
Loans receivable - Ending balance	48,055	30,020	48,055	30,020	44,347
Loans receivable - Ending balance: collectively evaluated for impairment	48,055	30,020	48,055	30,020	44,347
Consumer \| Automobile
Allowance for loan losses:
Beginning Balance	137	127	127	142	142
Charge-offs	(4)	(8)	(6)	(29)	(54)
Recoveries	15	11	25	35	71
Provision (credit) for loan losses	(5)	4	(3)	(14)	(32)
Ending balance	143	134	143	134	127
Ending balance: related to loans individually evaluated for impairment		25		25	10
Ending balance: related to loans collectively evaluated for impairment	143	109	143	109	117
Loans receivable - Ending balance	22,964	23,154	22,964	23,154	21,469
Loans receivable - Ending balance: individually evaluated for impairment		75		75	41
Loans receivable - Ending balance: collectively evaluated for impairment	22,964	23,079	22,964	23,079	21,428
Consumer \| Student
Allowance for loan losses:
Beginning Balance	71	74	69	69	69
Recoveries			1		3
Provision (credit) for loan losses	(2)	(4)	(1)	1	(3)
Ending balance	69	70	69	70	69
Ending balance: related to loans collectively evaluated for impairment	69	70	69	70	69
Loans receivable - Ending balance	2,258	2,290	2,258	2,290	2,259
Loans receivable - Ending balance: collectively evaluated for impairment	2,258	2,290	2,258	2,290	2,259
Consumer \| Recreational Vehicle
Allowance for loan losses:
Charge-offs				(14)	(14)
Recoveries		1	7	2	6
Provision (credit) for loan losses		(1)	(7)	12	8
Loans receivable - Ending balance	25,291	7,884	25,291	7,884	14,557
Loans receivable - Ending balance: collectively evaluated for impairment	25,291	7,884	25,291	7,884	14,557
Consumer \| Other consumer
Allowance for loan losses:
Beginning Balance	75	67	84	35	35
Charge-offs	(3)		(36)	(3)	(4)
Recoveries	3	1	4	10	9
Provision (credit) for loan losses	9	(22)	32	4	44
Ending balance	84	46	84	46	84
Ending balance: related to loans individually evaluated for impairment	2	2	2	2	2
Ending balance: related to loans collectively evaluated for impairment	82	44	82	44	82
Loans receivable - Ending balance	5,169	3,776	5,169	3,776	4,271
Loans receivable - Ending balance: individually evaluated for impairment	3	2	3	2	2
Loans receivable - Ending balance: collectively evaluated for impairment	$ 5,166	$ 3,774	$ 5,166	$ 3,774	$ 4,269

Employee Benefit Plans - Define

Employee Benefit Plans - Defined Benefit Plan - Components of net periodic pension expense (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2021USD ($)plan	Jun. 30, 2020USD ($)
Net periodic expenses recognized in income:
Number of benefit pension plans \| plan			2
Generations Bank Plan
Net periodic expenses recognized in income:
Service cost	$ 114	$ 103	$ 229	$ 206
Interest cost	105	112	210	224
Expected return on plan assets	(370)	(335)	(740)	(669)
Amortization of net losses	29	34	57	67
Net periodic pension benefit	(122)	(86)	(244)	(172)
Medina Savings and Loan Plan
Net periodic expenses recognized in income:
Service cost	7	7	15	14
Interest cost	33	36	65	71
Expected return on plan assets	(116)	(108)	(232)	(215)
Net periodic pension benefit	$ (76)	$ (65)	$ (152)	$ (130)

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	Jun. 30, 2021USD ($)	Dec. 31, 2020USD ($)	Sep. 10, 2020
Actual amount
Common Equity Tier 1 Capital,	$ 40,519	$ 31,942
Total Capital (to Risk-Weighted Assets)	42,495	33,768
Tier 1 Capital* (to Risk-Weighted Assets)	40,519	31,942
Core Capital (to Total Adjusted Assets)	$ 40,519	$ 31,942
Actual Ratio
Common Equity Tier 1 Capital	14.16	12.18
Total Capital (to Risk-Weighted Assets)	14.86	12.88
Tier 1 Capital* (to Risk-Weighted Assets)	14.16	12.18
Core Capital (to Total Adjusted Assets)	10.62	8.72
Excess capital to risk weighted assets	10	10
Minimum For Capital Adequacy Purposes, Amount
Common Equity Tier 1 Capital,	$ 12,873	$ 15,730
Total Capital (to Risk-Weighted Assets)	22,885	20,974
Tier 1 Capital* (to Risk-Weighted Assets)	17,164	11,798
Core Capital (to Total Adjusted Assets)	$ 15,260	$ 14,648
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,	$ 18,594	$ 20,974
Total Capital (to Risk-Weighted Assets)	28,606	26,217
Tier 1 Capital* (to Risk-Weighted Assets)	22,885	10,741
Core Capital (to Total Adjusted Assets)	$ 19,075	$ 18,310
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
Required leverage ratio			8
Required total capital ratio			12

Commitments and Contingencies -

Commitments and Contingencies - Credit Commitments (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Commitments and Contingencies
Loan commitments with fixed interest rate	$ 5,100	$ 4,600
Loan commitments with variable interest rate	15,400	14,200
Commitments to grant loans
Commitments and Contingencies
Credit risk for financial instruments	5,134	4,009
Unfunded commitments under lines of credit
Commitments and Contingencies
Credit risk for financial instruments	$ 15,324	$ 14,823

Commitments and Contingencies_2

Commitments and Contingencies - Commitments to Originate (Details) - USD ($)	Jun. 30, 2021	Dec. 31, 2020
Commitments and Contingencies
Outstanding principal balance	$ 287,368,000	$ 285,640,000
MPF Program
Commitments and Contingencies
Outstanding principal balance	11,000,000
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 ($)	6 Months Ended		12 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Commitments and Contingencies
Operating lease expense	$ 19,000	$ 18,000	$ 41,000
Future minimum lease commitments
Future minimum lease commitments	$ 0

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Revenue from Contracts with Customers
Revenues	$ 597	$ 554	$ 1,143	$ 1,215
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenues	131	128	266	311
Debit card interchange and surcharge income
Revenue from Contracts with Customers
Revenues	232	174	443	343
Investment services income
Revenue from Contracts with Customers
Revenues		27		84
Insurance commission and fees
Revenue from Contracts with Customers
Revenues	201	190	375	406
Loan servicing fees
Revenue from Contracts with Customers
Revenues	$ 33	$ 35	$ 59	$ 71

Fair Value Disclosures - Carryi

Fair Value Disclosures - Carrying amount and estimated fair value (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Financial assets:
Investment securities available-for-sale, at fair value	$ 36,244	$ 17,926
Securities held-to-maturity	1,339	1,510
Equity securities	326	661
Carrying Value
Financial assets:
Cash and cash equivalents	15,269	26,830
Investment securities available-for-sale, at fair value	36,244	17,926
Securities held-to-maturity	1,308	1,480
Equity securities	326	661
Loans receivable	287,368	285,640
Federal Home Loan Bank of New York stock	1,683	1,992
Accrued interest receivable	1,284	1,179
Financial liabilities:
Deposits	310,461	309,546
Long-term borrowings	22,078	27,628
Subordinated debt		1,235
Accrued interest payable	51	52
Fair Value
Financial assets:
Cash and cash equivalents	15,269	26,830
Investment securities available-for-sale, at fair value	36,244	17,926
Securities held-to-maturity	1,339	1,510
Equity securities	326	661
Loans receivable	282,330	280,887
Federal Home Loan Bank of New York stock	1,683	1,992
Accrued interest receivable	1,284	1,179
Financial liabilities:
Deposits	311,525	311,175
Long-term borrowings	25,186	30,053
Subordinated debt		1,235
Accrued interest payable	51	52
Level 1
Financial assets:
Cash and cash equivalents	15,269	26,830
Equity securities	326	661
Accrued interest receivable	1,284	1,179
Financial liabilities:
Deposits	90,280	97,418
Accrued interest payable	51	52
Level 2
Financial assets:
Investment securities available-for-sale, at fair value	33,064	14,752
Securities held-to-maturity	1,339	1,510
Federal Home Loan Bank of New York stock	1,683	1,992
Financial liabilities:
Long-term borrowings	25,186	30,053
Subordinated debt		1,235
Level 3
Financial assets:
Investment securities available-for-sale, at fair value	3,180	3,174
Loans receivable	282,330	280,887
Financial liabilities:
Deposits	$ 221,245	$ 213,757

Fair Value Disclosures - Fair v

Fair Value Disclosures - Fair value on a recurring basis (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Securities available-for-sale:
Debt investment securities	$ 36,244	$ 17,926
Equity securities:
Equity investment securities, at fair value	326	661
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	36	39
Corporate Bonds
Securities available-for-sale:
Debt investment securities	18,642
Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	41	35
Other mutual funds
Equity securities:
Equity investment securities, at fair value	285	626
Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	36,570	18,587
Fair Value, Recurring [Member] \| Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	36	39
Fair Value, Recurring [Member] \| Corporate Bonds
Securities available-for-sale:
Debt investment securities	18,642
Fair Value, Recurring [Member] \| Municipal Bonds
Securities available-for-sale:
Debt investment securities	17,566	17,887
Fair Value, Recurring [Member] \| Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	41	35
Fair Value, Recurring [Member] \| Other mutual funds
Equity securities:
Equity investment securities, at fair value	285	626
Level 1
Equity securities:
Equity investment securities, at fair value	326	661
Level 1 \| Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	326	661
Level 1 \| Fair Value, Recurring [Member] \| Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	41	35
Level 1 \| Fair Value, Recurring [Member] \| Other mutual funds
Equity securities:
Equity investment securities, at fair value	285	626
Level 2
Securities available-for-sale:
Debt investment securities	33,064	14,752
Level 2 \| Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	33,064	14,752
Level 2 \| Fair Value, Recurring [Member] \| Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	36	39
Level 2 \| Fair Value, Recurring [Member] \| Corporate Bonds
Securities available-for-sale:
Debt investment securities	18,642
Level 2 \| Fair Value, Recurring [Member] \| Municipal Bonds
Securities available-for-sale:
Debt investment securities	14,386	14,713
Level 3
Securities available-for-sale:
Debt investment securities	3,180	3,174
Level 3 \| Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	3,180	3,174
Level 3 \| Fair Value, Recurring [Member] \| Municipal Bonds
Securities available-for-sale:
Debt investment securities	$ 3,180	$ 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	6 Months Ended
	Jun. 30, 2021	Jun. 30, 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	197
Purchases	826	1,159
Principal payments	(1,017)	(7)
Ending balance	$ 3,180	$ 3,664

Fair Value Disclosures - Summar

Fair Value Disclosures - Summarize assets measured at fair value on a nonrecurring basis (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	$ 4,119	$ 6,152
Non - recurring
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	1,801	1,663
Foreclosed real estate & repossessed assets	28	45
Non - recurring \| Level 3
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	1,801	1,663
Foreclosed real estate & repossessed assets	$ 28	$ 45

Fair Value Disclosures - Transf

Fair Value Disclosures - Transfers of assets in or out of any fair value measurement level (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 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)	Jun. 30, 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		6 Months Ended
Segment Information (Details) $ in Thousands	Jun. 30, 2021USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2021USD ($)segment	Jun. 30, 2020USD ($)	Dec. 31, 2020USD ($)
Segment Reporting Information [Line Items]
Number of Reportable Segments \| segment			3
Net interest income	$ 2,929	$ 2,617	$ 5,772	$ 5,084
Provision for loan losses	135	90	270	180
Net interest income after provision for loan losses	2,794	2,527	5,502	4,904
Total noninterest income	720	1,029	1,332	1,514
Compensation and benefits	1,342	1,254	2,601	2,758
Other noninterest expense	(317)	(275)	(581)	(575)
(Loss) income before income taxes	448	733	880	467
Income tax expense (benefit)	79	52	158	(224)
Net income	369	681	722	691
Total assets	380,088		380,088		$ 373,014
Operating segment
Segment Reporting Information [Line Items]
Net interest income	2,929	2,617	5,772	5,084
Provision for loan losses	135	90	270	180
Net interest income after provision for loan losses	2,794	2,527	5,502	4,904
Total noninterest income	720	1,029	1,332	1,514
Compensation and benefits	(1,342)	(1,254)	(2,601)	(2,758)
Other noninterest expense	(1,724)	(1,569)	(3,353)	(3,193)
(Loss) income before income taxes	448	733	880	467
Income tax expense (benefit)	79	52	158	(224)
Net income	369	681	722	691
Total assets	396,627		396,627		391,536
Operating segment \| Community Banking Activities
Segment Reporting Information [Line Items]
Net interest income	2,866	2,473	5,646	4,815
Provision for loan losses	135	90	270	180
Net interest income after provision for loan losses	2,731	2,383	5,376	4,635
Total noninterest income	508	838	947	1,105
Compensation and benefits	(1,252)	(1,124)	(2,410)	(2,525)
Other noninterest expense	(1,661)	(1,505)	(3,222)	(3,059)
(Loss) income before income taxes	326	592	691	156
Income tax expense (benefit)	73	52	145	(224)
Net income	253	540	546	380
Operating segment \| Insurance Activities
Segment Reporting Information [Line Items]
Total noninterest income	212	191	385	409
Compensation and benefits	(90)	(111)	(191)	(195)
Other noninterest expense	(31)	(41)	(68)	(89)
(Loss) income before income taxes	91	39	126	125
Net income	91	39	126	125
Operating segment \| Municipal Banking Activities
Segment Reporting Information [Line Items]
Net interest income	63	144	126	269
Net interest income after provision for loan losses	63	144	126	269
Compensation and benefits		(19)		(38)
Other noninterest expense	(32)	(23)	(63)	(45)
(Loss) income before income taxes	31	102	63	186
Income tax expense (benefit)	6		13
Net income	25	$ 102	50	$ 186
Elimination of intercompany balances
Segment Reporting Information [Line Items]
Total assets	$ (16,539)		$ (16,539)		$ (18,522)