Generations Bancorp NY (GBNY) 10-Q5 Nov 212021 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2021	Nov. 04, 2021
Document and Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Sep. 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	Yes
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	Q3
Amendment Flag	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
ASSETS:
Cash and due from banks	$ 5,685	$ 4,168
Interest earning deposits	6,500	22,662
Total cash and cash equivalents	12,185	26,830
Investment securities available-for-sale, at fair value	36,846	17,926
Investment securities held-to-maturity (fair value 2021-$1,208, 2020-$1,510)	1,184	1,480
Equity investment securities, at fair value	325	661
Federal Home Loan Bank stock, at cost	1,562	1,992
Loans	289,490	287,461
Less: Allowance for loan losses	2,071	1,821
Loans receivable, net	287,419	285,640
Premises and equipment, net	15,955	16,743
Bank-owned life insurance	7,863	7,777
Pension plan asset	9,782	8,720
Foreclosed real estate & repossessed assets	56	45
Goodwill	792	792
Intangible assets, net	800	848
Accrued interest receivable	1,305	1,179
Other assets	1,300	2,381
Total assets	377,374	373,014
Deposits:
Noninterest-bearing	57,695	65,673
Interest-bearing	253,813	243,873
Total deposits	311,508	309,546
Long-term borrowings	19,858	27,628
Subordinated debt		1,235
Advances from borrowers for taxes and insurance	1,372	2,595
Other liabilities	2,170	2,124
Total liabilities	334,908	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	24,492	11,954
Retained earnings	21,151	20,256
Accumulated other comprehensive loss	(1,475)	(1,415)
Treasury stock, at cost; 88,256 shares in 2020		(614)
Stock held in rabbi trust	(627)	(290)
Unearned ESOP shares, at cost	(1,101)	(31)
Total shareholders' equity	42,466	29,886
Total liabilities and shareholders' equity	$ 377,374	$ 373,014

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parentheticals) $ in Thousands		Sep. 30, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares
Condensed Consolidated Statements of Financial Condition
Investment securities held-to-maturity, fair value \| $		$ 1,208	$ 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
Common Stock, Shares, Issued		2,458,401	2,546,836	[1]
Common Stock, Shares, Outstanding		2,458,401	2,458,580	[1]
Treasury Stock, Shares	[1]		88,256
Exchange ratio of shares			0.9980

[1]	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		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Interest and dividend income:
Loans, including fees	$ 3,247	$ 3,149	$ 9,463	$ 9,183
Debt and equity securities:
Taxable	156	11	369	64
Tax-exempt	99	199	300	696
Interest-earning deposits	8	1	15	11
Other	21	32	67	103
Total interest income	3,531	3,392	10,214	10,057
Interest expense:
Deposits	300	561	969	1,800
Short-term borrowings		2		2
Long-term borrowings	96	144	329	457
Subordinated debt		20	9	49
Total interest expense	396	727	1,307	2,308
Net interest income	3,135	2,665	8,907	7,749
Provision for loan losses	135	150	405	330
Net interest income after provision for loan losses	3,000	2,515	8,502	7,419
Noninterest income:
Banking fees and service charges	400	370	1,172	1,099
Mortgage banking income, net	16	11	39	36
Insurance commissions	172	180	547	586
Investment services commissions		2		86
Earnings on bank-owned life insurance	27	37	86	104
Realized gains (losses) on equity securities	(1)	2	2	(176)
Net gain on sale of securities	13	509	11	509
Other charges, commissions & fees	44	34	146	431
Total noninterest income	671	1,145	2,003	2,675
Noninterest expense:
Compensation and benefits	1,341	1,290	3,942	4,048
Occupancy and equipment	513	522	1,564	1,573
Impairment of long-lived asset	300		300
Service charges	537	503	1,547	1,453
Regulatory assessments	106	79	317	213
Professional and other services	171	135	454	401
Advertising	108	108	325	325
Other expenses	389	360	970	935
Total noninterest expenses	3,465	2,997	9,419	8,948
Income before income tax expense (benefit)	206	663	1,086	1,146
Income tax expense (benefit)	33	23	191	(201)
Net income	173	640	895	1,347
Net income available to common shareholders	$ 173	$ 640	$ 895	$ 1,347
Basic earnings per common share	$ 0.07	$ 0.26	$ 0.38	$ 0.55
Diluted earnings per common share	$ 0.18	$ 0.26	$ 0.49	$ 0.55

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Condensed Consolidated Statements of Comprehensive Income
Net income	$ 173	$ 640	$ 895	$ 1,347
Unrealized gains (losses) on securities available-for-sale:
Unrealized holding gains (losses) arising during the period	(349)	157	(150)	1,003
Reclassification adjustment for net gains included in net income	(13)	(480)	(11)	(480)
Net unrealized gains (losses) on securities available-for-sale	(362)	(323)	(161)	523
Defined benefit pension plan:
Reclassification of amortization of net losses recognized in net pension expense	28	33	85	100
Net change in defined benefit pension plan asset	28	33	85	100
Other comprehensive income (loss), before tax	(334)	(290)	(76)	623
Tax effect	70	61	16	(131)
Other comprehensive income (loss), net of tax	(264)	(229)	(60)	492
Total comprehensive income (loss)	$ (91)	$ 411	$ 835	$ 1,839

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			1,347					1,347
Other comprehensive income (loss)				492				492
Purchase of common stock for SERPs						$ (290)		(290)
Repurchase of common stock					(42)			(42)
ESOP shares committed to be released		(6)					46	40
Ending balance at Sep. 30, 2020	26	11,956	19,918	(1,170)	(615)	(290)	(47)	29,778
Beginning balance at Jun. 30, 2020	26	11,958	19,278	(941)	(615)	(290)	(62)	29,354
Increase (decrease) in stockholders' equity
Net income			640					640
Other comprehensive income (loss)				(229)				(229)
ESOP shares committed to be released		(2)					15	13
Ending balance at Sep. 30, 2020	26	11,956	19,918	(1,170)	(615)	(290)	(47)	29,778
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			895					895
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 (loss)				(60)				(60)
Purchase of common stock for DRP						337		337
ESOP shares committed to be released		1					34	35
Ending balance at Sep. 30, 2021	26	24,492	21,151	(1,475)		(627)	(1,101)	42,466
Beginning balance at Jun. 30, 2021	26	24,491	20,978	(1,211)		(627)	(1,112)	42,545
Increase (decrease) in stockholders' equity
Net income			173					173
Other comprehensive income (loss)				(264)				(264)
ESOP shares committed to be released		1					11	12
Ending balance at Sep. 30, 2021	$ 26	$ 24,492	$ 21,151	$ (1,475)		$ (627)	$ (1,101)	$ 42,466

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) $ in Thousands	9 Months Ended
	Sep. 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	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
OPERATING ACTIVITIES
Net income	$ 895	$ 1,347
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	405	330
Deferred income tax expense (benefit)	239	(201)
Realized gains on sales of:
Securities	(11)	(509)
Write-down of premises and equipment to fair value		25
Impairment of long-lived asset	300
Write-down of other real estate owned to fair value		30
Realized (gains) losses on equity securities	(2)	176
Directors' retirement plan net gains		(98)
Depreciation	784	795
Amortization of intangible asset	48	49
Amortization of fair value adjustment to purchased loan portfolio	(52)	(52)
ESOP expense	35	46
Amortization of deferred loan costs	69	306
Earnings on bank-owned life insurance	(86)	(104)
Change in pension plan assets	(976)	(734)
Net amortization of premiums and discounts on investment securities	226	(21)
Net change in accrued interest receivable	(126)	(211)
Net change in other assets and liabilities	(317)	(1,198)
Net cash provided (used) by operating activities	1,431	(24)
INVESTING ACTIVITIES
Purchase of equity investment securities	(1)	(1)
Purchase of investment securities available-for-sale	(25,293)	(2,008)
Net proceeds from the redemption of Federal Home Loan Bank stock	430	147
Proceeds from maturities and principal reductions of:
Available-for-sale investment securities	2,961	1,422
Held-to-maturity investment securities	290	457
Proceeds from sale of:
Available-for-sale investment securities	3,041	9,110
Equity investment securities		2,422
Real estate and repossessed assets acquired	56	60
Premises and equipment	79
Net change in loans	(2,268)	(31,711)
Purchase of premises and equipment	(375)	(178)
Net cash used in investing activities	(21,080)	(20,280)
FINANCING ACTIVITIES
Net change in demand deposits, savings accounts, and money market accounts	4,843	39,392
Net change in time deposits	(2,881)	(18,722)
Net change in brokered time deposits		(640)
Payments on long-term borrowings	(7,770)	(7,384)
Repayment from subordinated debt offering	(1,235)	500
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	5,004	19,104
Net change in cash and cash equivalents	(14,645)	(1,200)
Cash and cash equivalents at beginning of period	26,830	13,448
Cash and cash equivalents at end of period	12,185	12,248
Supplemental Cash Flows Information
Interest	1,302	2,225
Transfer of loans to foreclosed real estate	$ 67	$ 28

Nature of Operations

Nature of Operations	9 Months Ended
Nature of Operations	Sep. 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 September 30, 2021, and for the three and nine months ended September 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 nine months ended September 30, 2021 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 has 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	9 Months Ended
Accumulated Other Comprehensive Loss	Sep. 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 September 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) Other comprehensive loss before reclassifications (276) — (276) Amounts reclassified from AOCI to the income statement (11) 23 12 Net current-period other comprehensive income (loss) (287) 23 (264) Balance, September 30, 2021 $ 595 $ (2,070) $ (1,475) Balance, June 30, 2020 $ 1,326 $ (2,267) $ (941) Other comprehensive income before reclassifications 124 — 124 Amounts reclassified from AOCI to the income statement (379) 26 (353) Net current-period other comprehensive income (loss) (255) 26 (229) Balance, September 30, 2020 $ 1,071 $ (2,241) $ (1,170) Unrealized Accumulated (Losses) Gains Defined Other Nine Months Ended September 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 (119) — (119) Amounts reclassified from AOCI to the income statement (9) 68 59 Net current-period other comprehensive income (loss) (128) 68 (60) Balance, September 30, 2021 $ 595 $ (2,070) $ (1,475) Balance, January 1, 2020 $ 658 $ (2,320) $ (1,662) Other comprehensive income before reclassifications 792 — 792 Amounts reclassified from AOCI to the income statement (379) 79 (300) Net current-period other comprehensive income 413 79 492 Balance, September 30, 2020 $ 1,071 $ (2,241) $ (1,170) The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss: Three Months Ended Nine Months Ended September 30, September 30, Affected Line Item in the (In thousands) 2021 2020 2021 2020 Statement of Income Available-for-sale securities: Realized gain on sale of securities $ (13) $ (480) $ (11) $ (480) Net gain on sale of securities Tax effect 2 101 2 101 Income tax expense $ (11) $ (379) $ (9) $ (379) Net income Defined benefit pension plan: Retirement plan net losses recognized in net periodic pension cost $ 28 $ 33 $ 85 $ 100 Compensation and benefits Tax effect (5) (7) (17) (21) Income tax benefit $ 23 $ 26 $ 68 $ 79 Net income

Earnings Per Common Share

Earnings Per Common Share	9 Months Ended
Earnings Per Common Share	Sep. 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 2,348,000 and 2,458,000 ( 1 ) (1)

Securities

Securities	9 Months Ended
Securities	Sep. 30, 2021
Securities
Securities	4. Securities Investments in securities available-for-sale, held-to-maturity and equity are summarized as follows: September 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 $ 34 $ 1 $ — $ 35 Corporate bonds 19,518 391 (382) 19,527 State and political subdivisions 16,539 839 (94) 17,284 Total securities available-for-sale $ 36,091 $ 1,231 $ (476) $ 36,846 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,184 $ 27 $ (3) $ 1,208 Total securities held-to-maturity $ 1,184 $ 27 $ (3) $ 1,208 Equity securities: Large cap equity mutual fund $ 41 $ 41 Other mutual funds 284 284 Total of equity securities $ 325 $ 325 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: September 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 (1) $ — $ — $ 24 $ — $ 24 $ — Corporate bonds 7,228 (382) — — 7,228 (382) State and political subdivisions 4,754 (94) — — 4,754 (94) Total securities available-for-sale $ 11,982 $ (476) $ 24 $ — $ 12,006 $ (476) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ — $ — $ 170 $ (3) $ 170 $ (3) Total securities held-to-maturity $ — $ — $ 170 $ (3) $ 170 $ (3) (1) Aggregate unrealized loss position is less than $1,000. 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 September 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 $800 or less. There are 21 bond issues held by the Bank that have an unrealized loss as of September 30, 2021. The bonds are issued by well-established municipalities and 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 September 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. September 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 2,219 2,243 — — Due over five through ten years 5,270 5,407 — — Due after ten years 28,558 29,151 — — 36,057 36,811 — — Residential mortgage-backed securities 34 35 1,184 1,208 Total $ 36,091 $ 36,846 $ 1,184 $ 1,208 Gross realized gains on sales and redemptions of available-for-sale securities: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2021 2020 2021 2020 (unaudited) (unaudited) Realized gains $ 13 $ 480 $ 11 $ 480 $ 13 $ 480 $ 11 $ 480 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 $5,386,183 and $6,969,058 were pledged to collateralize certain deposit arrangements at September 30, 2021 and December 31, 2020 respectively.

Loans Receivable

Loans Receivable	9 Months Ended
Loans Receivable	Sep. 30, 2021
Loans Receivable
Loans Receivable	5. Loans Receivable Major classifications of loans are as follows: September 30, December 31, (In thousands) 2021 2020 Originated Loans: Residential mortgages: One- to four-family $ 105,206 $ 113,254 Construction 193 — 105,399 113,254 Commercial loans: Real estate - nonresidential 20,436 22,812 Multi-family 403 5,125 Commercial business 14,987 20,178 35,826 48,115 Consumer: Home equity and junior liens 9,022 9,981 Manufactured homes 48,234 44,347 Automobile 22,940 21,469 Student 2,216 2,259 Recreational vehicle 30,185 14,557 Other consumer 5,731 4,081 118,328 96,694 Total originated loans 259,553 258,063 Net deferred loan costs 16,197 11,854 Less allowance for loan losses (2,071) (1,821) Net originated loans $ 273,679 $ 268,096 September 30, December 31, (In thousands) 2021 2020 Acquired Loans: Residential mortgages: One- to four-family $ 10,976 $ 14,102 10,976 14,102 Commercial loans: Real estate - nonresidential 1,790 1,942 Commercial business 171 327 1,961 2,269 Consumer: Home equity and junior liens 1,070 1,406 Other consumer 98 190 1,168 1,596 Total acquired loans 14,105 17,967 Net deferred loan costs (61) (67) Fair value credit and yield adjustment (304) (356) Net acquired loans $ 13,740 $ 17,544 September 30, December 31, (In thousands) 2021 2020 Total Loans: Residential mortgages: One- to four-family $ 116,182 $ 127,356 Construction 193 — 116,375 127,356 Commercial loans: Real estate - nonresidential 22,226 24,754 Multi-family 403 5,125 Commercial business 15,158 20,505 37,787 50,384 Consumer: Home equity and junior liens 10,092 11,387 Manufactured homes 48,234 44,347 Automobile 22,940 21,469 Student 2,216 2,259 Recreational vehicle 30,185 14,557 Other consumer 5,829 4,271 119,496 98,290 Total Loans 273,658 276,030 Net deferred loan costs 16,136 11,787 Fair value credit and yield adjustment (304) (356) Less allowance for loan losses (2,071) (1,821) Loans receivable, net $ 287,419 $ 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: September 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 101,672 $ 1,325 $ 2,209 $ — $ 105,206 Construction 193 — — — 193 101,865 1,325 2,209 — 105,399 Commercial loans: Real estate - nonresidential 13,531 4,719 2,186 — 20,436 Multi-family 403 — — — 403 Commercial business 12,453 1,168 1,366 — 14,987 26,387 5,887 3,552 — 35,826 Consumer: Home equity and junior liens 8,942 38 42 — 9,022 Manufactured homes 48,234 — — — 48,234 Automobile 22,911 6 23 — 22,940 Student 2,216 — — — 2,216 Recreational vehicle 30,094 58 33 — 30,185 Other consumer 5,731 — — — 5,731 118,128 102 98 — 118,328 Total originated loans $ 246,380 $ 7,314 $ 5,859 $ — $ 259,553 September 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 10,738 $ 28 $ 210 $ — $ 10,976 10,738 28 210 — 10,976 Commercial loans: Real estate - nonresidential 1,790 — — — 1,790 Commercial business 171 — — — 171 1,961 — — — 1,961 Consumer: Home equity and junior liens 1,032 — 38 — 1,070 Other consumer 98 — — — 98 1,130 — 38 — 1,168 Total acquired loans $ 13,829 $ 28 $ 248 $ — $ 14,105 September 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 112,410 $ 1,353 $ 2,419 $ — $ 116,182 Construction 193 — — — 193 112,603 1,353 2,419 — 116,375 Commercial loans: Real estate - nonresidential 15,321 4,719 2,186 — 22,226 Multi-family 403 — — — 403 Commercial business 12,624 1,168 1,366 — 15,158 28,348 5,887 3,552 — 37,787 Consumer: Home equity and junior liens 9,974 38 80 — 10,092 Manufactured homes 48,234 — — — 48,234 Automobile 22,911 6 23 — 22,940 Student 2,216 — — — 2,216 Recreational vehicle 30,094 58 33 — 30,185 Other consumer 5,829 — — — 5,829 119,258 102 136 — 119,496 Total loans $ 260,209 $ 7,342 $ 6,107 $ — $ 273,658 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: September 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 $ 2,292 $ 587 $ 2,209 $ 5,088 $ 100,118 $ 105,206 Construction — — — — 193 193 2,292 587 2,209 5,088 100,311 105,399 Commercial loans: Real estate - nonresidential 63 — 604 667 19,769 20,436 Multi-family — — — — 403 403 Commercial business 9 41 502 552 14,435 14,987 72 41 1,106 1,219 34,607 35,826 Consumer loans: Home equity and junior liens 88 112 42 242 8,780 9,022 Manufactured homes 124 220 — 344 47,890 48,234 Automobile 282 39 23 344 22,596 22,940 Student — — — — 2,216 2,216 Recreational vehicle 268 58 33 359 29,826 30,185 Other consumer 31 — — 31 5,700 5,731 793 429 98 1,320 117,008 118,328 Total originated loans $ 3,157 $ 1,057 $ 3,413 $ 7,627 $ 251,926 $ 259,553 September 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 $ 162 $ 96 $ 191 $ 449 $ 10,527 $ 10,976 162 96 191 449 10,527 10,976 Commercial loans: Real estate - nonresidential — — — — 1,790 1,790 Commercial business — — — — 171 171 — — — — 1,961 1,961 Consumer loans: Home equity and junior liens — — 57 57 1,013 1,070 Other consumer — — — — 98 98 — — 57 57 1,111 1,168 Total acquired loans $ 162 $ 96 $ 248 $ 506 $ 13,599 $ 14,105 September 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 $ 2,454 $ 683 $ 2,400 $ 5,537 $ 110,645 $ 116,182 Construction — — — — 193 193 2,454 683 2,400 5,537 110,838 116,375 Commercial loans: Real estate - nonresidential 63 — 604 667 21,559 22,226 Multi-family — — — — 403 403 Commercial business 9 41 502 552 14,606 15,158 72 41 1,106 1,219 36,568 37,787 Consumer loans: Home equity and junior liens 88 112 99 299 9,793 10,092 Manufactured homes 124 220 — 344 47,890 48,234 Automobile 282 39 23 344 22,596 22,940 Student — — — — 2,216 2,216 Recreational vehicle 268 58 33 359 29,826 30,185 Other consumer 31 — — 31 5,798 5,829 793 429 155 1,377 118,119 119,496 Total loans $ 3,319 $ 1,153 $ 3,661 $ 8,133 $ 265,525 $ 273,658 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: September 30, December 31, (In thousands) 2021 2020 Residential mortgage loans: One- to four-family $ 2,400 $ 3,245 2,400 3,245 Commercial loans: Real estate - nonresidential 604 1,103 Multi-family — 42 Commercial business 502 688 1,106 1,833 Consumer loans: Home equity and junior liens 99 102 Manufactured homes — 75 Automobile 23 33 Recreational vehicle 33 — Other consumer — 31 155 241 Total non-accrual loans $ 3,661 $ 5,319 There were no loans past due more than ninety days and still accruing interest at September 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 was in non-accrual status due to delinquency greater than 90 days. At September 30, 2021, there were 16 TDR loans totaling $2.8 million. There are no TDRs in non-accrual status due to delinquency greater than 90 days. All of the 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: September 30, 2021 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,062 $ 2,133 $ — Commercial real estate - nonresidential 604 954 — Commercial business 73 73 — Home equity and junior liens 80 80 — With an allowance recorded: One- to four-family residential mortgages 263 263 14 Commercial business 396 396 183 Total: One- to four-family residential mortgages 2,325 2,396 14 Commercial real estate - nonresidential 604 954 — Commercial business 469 469 183 Home equity and junior liens 80 80 — Other consumer — — — $ 3,478 $ 3,899 $ 197 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 Nine Months Ended September 30, September 30, (In thousands) 2021 2020 2021 2020 One- to four-family residential mortgages $ 2,397 $ 2,642 $ 2,412 $ 2,652 Commercial real estate - nonresidential 954 6,907 954 913 Commercial business 469 1,543 471 1,601 Home equity and junior liens 81 72 81 73 Automobile — 46 — 48 3,901 $ 11,210 3,918 $ 5,287 The following table presents interest income recognized on impaired loans: Three Months Ended Nine Months Ended September 30, September 30, (In thousands) 2021 2020 2021 2020 One- to four-family residential mortgages $ 13 $ 15 $ 56 $ 61 Commercial real estate - nonresidential — 4 1 14 Commercial business — 17 1 43 Home equity and junior liens — 2 2 4 Automobile — 1 — 3 $ 13 $ 39 $ 60 $ 125 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	9 Months Ended
Allowance for Loan Loss	Sep. 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 September 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 $ 611 $ — $ 376 $ 2 $ — $ 563 Charge-offs (40) — (2) — — — Recoveries 1 — — — — — Provision (credit) for loan losses 180 — 51 1 — (94) Ending balance $ 752 $ — $ 425 $ 3 $ — $ 469 Three Months Ended September 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 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Charge-offs — — (1) — — (9) — (52) Recoveries — — 9 1 — 1 — 12 Provision (credit) for loan losses (17) 11 (6) (2) — 11 — 135 Ending balance $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 2,071 Three Months Ended September 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 $ 549 $ 1 $ 509 $ 41 $ — $ 380 Charge-offs — — (48) — — — Recoveries — — — 5 — — Provision (credit) for loan losses 44 (1) 10 (27) — 174 Ending balance $ 593 $ — $ 471 $ 19 $ — $ 554 Three Months Ended September 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 $ 38 $ — $ 134 $ 70 $ — $ 46 $ 228 $ 1,996 Charge-offs — — (15) — — — — (63) Recoveries — — 27 2 2 (3) — 33 Provision (credit) for loan losses (12) 69 (13) 86 (2) 16 (194) 150 Ending balance $ 26 $ 69 $ 133 $ 158 $ — $ 59 $ 34 $ 2,116 Nine Months Ended September 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 (117) — (53) — — (17) Recoveries 3 — 16 12 — 7 Provision (credit) for loan losses 409 — 143 (35) — (138) Ending balance $ 752 $ — $ 425 $ 3 $ — $ 469 Ending balance: related to loans individually evaluated for impairment $ 14 $ — $ — $ — $ — $ 183 Ending balance: related to loans collectively evaluated for impairment $ 738 $ — $ 425 $ 3 $ — $ 286 Loans receivable: Ending balance $ 116,182 $ 193 $ 22,226 $ 403 $ — $ 15,158 Ending balance: individually evaluated for impairment $ 2,325 $ — $ 604 $ — $ — $ 469 Ending balance: collectively evaluated for impairment $ 113,857 $ 193 $ 21,622 $ 403 $ — $ 14,689 Nine Months Ended September 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) — (7) — — (45) — (241) Recoveries — — 34 2 7 5 — 86 Provision (credit) for loan losses (15) 17 (9) (3) (7) 43 — 405 Ending balance $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 2,071 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ 197 Ending balance: related to loans collectively evaluated for impairment $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 1,874 Loans receivable: Ending balance $ 10,092 $ 48,234 $ 22,940 $ 2,216 $ 30,185 $ 5,829 $ — $ 273,658 Ending balance: individually evaluated for impairment $ 80 $ — $ — $ — $ — $ — $ — $ 3,478 Ending balance: collectively evaluated for impairment $ 10,012 $ 48,234 $ 22,940 $ 2,216 $ 30,185 $ 5,829 $ — $ 270,180 Nine Months Ended September 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) — (48) — — — Recoveries 2 — — 14 — 140 Provision (credit) for loan losses 224 (2) 98 (12) — (113) Ending balance $ 593 $ — $ 471 $ 19 $ — $ 554 Ending balance: related to loans individually evaluated for impairment $ 81 $ — $ 276 $ — $ — $ 256 Ending balance: related to loans collectively evaluated for impairment $ 512 $ — $ 195 $ 19 $ — $ 298 Loans receivable: Ending balance $ 131,070 $ — $ 27,313 $ 5,158 $ 92 $ 27,386 Ending balance: individually evaluated for impairment $ 2,639 $ — $ 906 $ — $ — $ 1,546 Ending balance: collectively evaluated for impairment $ 128,431 $ — $ 26,407 $ 5,158 $ 92 $ 25,840 Nine Months Ended September 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 — — (44) — (14) (3) — (117) Recoveries 12 — 62 2 2 9 — 243 Provision (credit) for loan losses (36) 69 (27) 87 12 18 12 330 Ending balance $ 26 $ 69 $ 133 $ 158 $ — $ 59 $ 34 $ 2,116 Ending balance: related to loans individually evaluated for impairment $ — $ — $ 11 $ — $ — $ — $ — $ 624 Ending balance: related to loans collectively evaluated for impairment $ 26 $ 69 $ 122 $ 158 $ — $ 59 $ 34 $ 1,492 Loans receivable: Ending balance $ 11,527 $ 38,072 $ 22,004 $ 2,267 $ 13,547 $ 4,284 $ — $ 282,720 Ending balance: individually evaluated for impairment $ 72 $ — $ 45 $ — $ — $ — $ — $ 5,208 Ending balance: collectively evaluated for impairment $ 11,455 $ 38,072 $ 21,959 $ 2,267 $ 13,547 $ 4,284 $ — $ 277,512 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	9 Months Ended
Employee Benefit Plans	Sep. 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 September 30, Nine Months Ended September 30, (In thousands) 2021 2020 2021 2020 Net periodic expenses recognized in income: Service cost $ 115 $ 103 $ 344 $ 309 Interest cost 105 112 315 336 Expected return on plan assets (370) (335) (1,110) (1,004) Amortization of net losses 28 34 85 101 Net periodic pension benefit $ (122) $ (86) $ (366) $ (258) Medina Savings and Loan Plan: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2021 2020 2021 2020 Net periodic expenses recognized in income: Service cost $ 8 $ 7 $ 23 $ 21 Interest cost 33 36 98 107 Expected return on plan assets (116) (108) (348) (322) Net periodic pension benefit $ (75) $ (65) $ (227) $ (194)

Regulatory Capital

Regulatory Capital	9 Months Ended
Regulatory Capital	Sep. 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 September 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 September 30, 2021 Common Equity Tier 1 Capital $ 40,753 14.26 % $ 12,865 4.50 % $ 18,582 6.50 % Total Capital (to Risk-Weighted Assets) $ 42,824 14.98 % $ 22,870 8.00 % $ 28,588 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 40,753 14.26 % $ 17,153 6.00 % $ 22,870 8.00 % Tier 1 Capital (to Total Adjusted Assets) $ 40,753 10.74 % $ 15,179 4.00 % $ 18,974 5.00 % As of December 31, 2020: Common Equity Tier 1 Capital $ 31,942 12.18 % $ 11,798 4.50 % $ 17,041 6.50 % 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 % $ 15,730 6.00 % $ 20,974 8.00 % 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 September 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 6.50%, a Tier 1 risk-based capital ratio exceeding 8.00% 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	9 Months Ended
Commitments and Contingencies	Sep. 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 September 30, 2021. Financial instruments whose contract amounts represent credit risk consist of the following: September 30, December 31, (In thousands) 2021 2020 Commitments to grant loans $ 4,905 $ 4,009 Unfunded commitments under lines of credit 15,640 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 September 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 September 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 of loans 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 $10.6 million at September 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 September 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 $87,000 at September 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 $34,000 for the nine-month periods ended September 30, 2021 and 2020, respectively, and $41,000 for the year ending December 31, 2020. There are no future minimum lease commitments at September 30, 2021.

Revenue from Contracts with Cus

Revenue from Contracts with Customers	9 Months Ended
Revenue from Contracts with Customers	Sep. 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 Nine Months Ended September 30, September 30, (In thousands) 2021 2020 2021 2020 Service charges on deposit accounts $ 149 $ 132 $ 415 $ 443 Debit card interchange and surcharge income 208 218 651 561 Investment services income — 2 — 86 Insurance commission and fees 172 180 547 586 Loan servicing fees 40 54 99 125 $ 569 $ 586 $ 1,712 $ 1,801 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	9 Months Ended
Fair Value Disclosures	Sep. 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 September 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 September 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 Long-term borrowings Subordinated debt The following table presents a comparison of the carrying amount and estimated fair value of the Company’s financial instruments: September 30, 2021 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 12,185 $ 12,185 $ — $ — $ 12,185 Securities available-for-sale 36,846 — 33,817 3,029 36,846 Securities held-to-maturity 1,184 — 1,208 — 1,208 Equity securities 325 325 — — 325 Loans receivable 287,419 — — 292,759 292,759 FHLB stock 1,562 — 1,562 — 1,562 Accrued interest receivable 1,305 1,305 — — 1,305 Financial liabilities: Deposits $ 311,508 $ 89,973 $ — $ 217,485 $ 307,458 Long-term borrowings 19,858 — 25,210 — 25,210 Accrued interest payable 57 57 — — 57 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 FHLB stock 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: September 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 $ — $ 35 $ — $ 35 Corporate bonds — 19,527 — 19,527 Municipal bonds — 14,255 3,029 17,284 Equity investment securities: Large cap equity mutual fund 41 — — 41 Other mutual funds 284 — — 284 Total investment securities $ 325 $ 33,817 $ 3,029 $ 37,171 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 170 Purchases 826 Principal payments/maturities (1,141) Sales — Balance - September 30, 2021 $ 3,029 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 (479) Sales — Balance - September 30, 2020 $ 3,192 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 September 30, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 1,188 $ 1,188 Foreclosed real estate & repossessed assets — — 56 56 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 September 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	9 Months Ended
Segment Information	Sep. 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 September 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 $ 3,074 $ — $ 61 $ 3,135 $ 2,542 $ — $ 123 $ 2,665 Provision for loan losses 135 — — 135 150 — — 150 Net interest income after provision for loan losses 2,939 — 61 3,000 2,392 — 123 2,515 Total noninterest income 500 171 — 671 499 182 480 1,161 Compensation and benefits (1,251) (90) — (1,341) (1,180) (92) (18) (1,290) Other noninterest expense (2,048) (44) (32) (2,124) (1,651) (39) (33) (1,723) Income before income tax expense 140 37 29 206 60 51 552 663 Income tax expense 28 — 5 33 23 — — 23 Net income $ 112 $ 37 $ 24 $ 173 $ 37 $ 51 $ 552 $ 640 Nine Months Ended September 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 $ 8,719 $ — $ 188 $ 8,907 $ 7,357 $ — $ 392 $ 7,749 Provision for loan losses 405 — — 405 330 — — 330 Net interest income after provision for loan losses 8,314 — 188 8,502 7,027 — 392 7,419 Total noninterest income 1,448 555 — 2,003 1,604 591 480 2,675 Compensation and benefits (3,661) (281) — (3,942) (3,705) (287) (56) (4,048) Other noninterest expense (5,273) (110) (94) (5,477) (4,694) (128) (78) (4,900) Income before income tax expense (benefit) 828 164 94 1,086 232 176 738 1,146 Income tax expense (benefit) 173 — 18 191 (201) — — (201) Net income $ 655 $ 164 $ 76 $ 895 $ 433 $ 176 $ 738 $ 1,347 The following represents a reconciliation of the Company’s reported segment assets: At September 30, At December 31, (In thousands) 2021 2020 Total assets for reportable segments $ 393,308 $ 391,536 Elimination of intercompany balances (15,934) (18,522) Consolidated total assets $ 377,374 $ 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	9 Months Ended
Recently Issued Accounting Pronouncements	Sep. 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)	9 Months Ended
Nature of Operations (Policies)	Sep. 30, 2021
Nature of Operations
Interim Financial Statements	Interim Financial Statements The interim condensed consolidated financial statements as of September 30, 2021, and for the three and nine months ended September 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 nine months ended September 30, 2021 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 has 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)	9 Months Ended
Accumulated Other Comprehensive Loss (Tables)	Sep. 30, 2021
Accumulated Other Comprehensive Loss
Schedule of Other comprehensive income information	Unrealized Accumulated (Losses) Gains Defined Other Three Months Ended September 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) Other comprehensive loss before reclassifications (276) — (276) Amounts reclassified from AOCI to the income statement (11) 23 12 Net current-period other comprehensive income (loss) (287) 23 (264) Balance, September 30, 2021 $ 595 $ (2,070) $ (1,475) Balance, June 30, 2020 $ 1,326 $ (2,267) $ (941) Other comprehensive income before reclassifications 124 — 124 Amounts reclassified from AOCI to the income statement (379) 26 (353) Net current-period other comprehensive income (loss) (255) 26 (229) Balance, September 30, 2020 $ 1,071 $ (2,241) $ (1,170) Unrealized Accumulated (Losses) Gains Defined Other Nine Months Ended September 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 (119) — (119) Amounts reclassified from AOCI to the income statement (9) 68 59 Net current-period other comprehensive income (loss) (128) 68 (60) Balance, September 30, 2021 $ 595 $ (2,070) $ (1,475) Balance, January 1, 2020 $ 658 $ (2,320) $ (1,662) Other comprehensive income before reclassifications 792 — 792 Amounts reclassified from AOCI to the income statement (379) 79 (300) Net current-period other comprehensive income 413 79 492 Balance, September 30, 2020 $ 1,071 $ (2,241) $ (1,170)
Reclassified out of each component of accumulated other comprehensive loss	Three Months Ended Nine Months Ended September 30, September 30, Affected Line Item in the (In thousands) 2021 2020 2021 2020 Statement of Income Available-for-sale securities: Realized gain on sale of securities $ (13) $ (480) $ (11) $ (480) Net gain on sale of securities Tax effect 2 101 2 101 Income tax expense $ (11) $ (379) $ (9) $ (379) Net income Defined benefit pension plan: Retirement plan net losses recognized in net periodic pension cost $ 28 $ 33 $ 85 $ 100 Compensation and benefits Tax effect (5) (7) (17) (21) Income tax benefit $ 23 $ 26 $ 68 $ 79 Net income

Securities (Tables)

Securities (Tables)	9 Months Ended
Securities (Tables)	Sep. 30, 2021
Securities
Schedule of investments in securities available-for-sale and held-to-maturity	September 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 $ 34 $ 1 $ — $ 35 Corporate bonds 19,518 391 (382) 19,527 State and political subdivisions 16,539 839 (94) 17,284 Total securities available-for-sale $ 36,091 $ 1,231 $ (476) $ 36,846 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,184 $ 27 $ (3) $ 1,208 Total securities held-to-maturity $ 1,184 $ 27 $ (3) $ 1,208 Equity securities: Large cap equity mutual fund $ 41 $ 41 Other mutual funds 284 284 Total of equity securities $ 325 $ 325 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	September 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 (1) $ — $ — $ 24 $ — $ 24 $ — Corporate bonds 7,228 (382) — — 7,228 (382) State and political subdivisions 4,754 (94) — — 4,754 (94) Total securities available-for-sale $ 11,982 $ (476) $ 24 $ — $ 12,006 $ (476) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ — $ — $ 170 $ (3) $ 170 $ (3) Total securities held-to-maturity $ — $ — $ 170 $ (3) $ 170 $ (3) (1) Aggregate unrealized loss position is less than $1,000. 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	September 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 2,219 2,243 — — Due over five through ten years 5,270 5,407 — — Due after ten years 28,558 29,151 — — 36,057 36,811 — — Residential mortgage-backed securities 34 35 1,184 1,208 Total $ 36,091 $ 36,846 $ 1,184 $ 1,208
Gross realized gains (losses) on sales and redemptions of securities	Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2021 2020 2021 2020 (unaudited) (unaudited) Realized gains $ 13 $ 480 $ 11 $ 480 $ 13 $ 480 $ 11 $ 480

Loans Receivable (Tables)

Loans Receivable (Tables)	9 Months Ended
Loans Receivable (Tables)	Sep. 30, 2021
Loans Receivable
Schedule of major classifications of loans	September 30, December 31, (In thousands) 2021 2020 Originated Loans: Residential mortgages: One- to four-family $ 105,206 $ 113,254 Construction 193 — 105,399 113,254 Commercial loans: Real estate - nonresidential 20,436 22,812 Multi-family 403 5,125 Commercial business 14,987 20,178 35,826 48,115 Consumer: Home equity and junior liens 9,022 9,981 Manufactured homes 48,234 44,347 Automobile 22,940 21,469 Student 2,216 2,259 Recreational vehicle 30,185 14,557 Other consumer 5,731 4,081 118,328 96,694 Total originated loans 259,553 258,063 Net deferred loan costs 16,197 11,854 Less allowance for loan losses (2,071) (1,821) Net originated loans $ 273,679 $ 268,096 September 30, December 31, (In thousands) 2021 2020 Acquired Loans: Residential mortgages: One- to four-family $ 10,976 $ 14,102 10,976 14,102 Commercial loans: Real estate - nonresidential 1,790 1,942 Commercial business 171 327 1,961 2,269 Consumer: Home equity and junior liens 1,070 1,406 Other consumer 98 190 1,168 1,596 Total acquired loans 14,105 17,967 Net deferred loan costs (61) (67) Fair value credit and yield adjustment (304) (356) Net acquired loans $ 13,740 $ 17,544 September 30, December 31, (In thousands) 2021 2020 Total Loans: Residential mortgages: One- to four-family $ 116,182 $ 127,356 Construction 193 — 116,375 127,356 Commercial loans: Real estate - nonresidential 22,226 24,754 Multi-family 403 5,125 Commercial business 15,158 20,505 37,787 50,384 Consumer: Home equity and junior liens 10,092 11,387 Manufactured homes 48,234 44,347 Automobile 22,940 21,469 Student 2,216 2,259 Recreational vehicle 30,185 14,557 Other consumer 5,829 4,271 119,496 98,290 Total Loans 273,658 276,030 Net deferred loan costs 16,136 11,787 Fair value credit and yield adjustment (304) (356) Less allowance for loan losses (2,071) (1,821) Loans receivable, net $ 287,419 $ 285,640
Summary of loan portfolio by Company's internal risk rating system	September 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 101,672 $ 1,325 $ 2,209 $ — $ 105,206 Construction 193 — — — 193 101,865 1,325 2,209 — 105,399 Commercial loans: Real estate - nonresidential 13,531 4,719 2,186 — 20,436 Multi-family 403 — — — 403 Commercial business 12,453 1,168 1,366 — 14,987 26,387 5,887 3,552 — 35,826 Consumer: Home equity and junior liens 8,942 38 42 — 9,022 Manufactured homes 48,234 — — — 48,234 Automobile 22,911 6 23 — 22,940 Student 2,216 — — — 2,216 Recreational vehicle 30,094 58 33 — 30,185 Other consumer 5,731 — — — 5,731 118,128 102 98 — 118,328 Total originated loans $ 246,380 $ 7,314 $ 5,859 $ — $ 259,553 September 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 10,738 $ 28 $ 210 $ — $ 10,976 10,738 28 210 — 10,976 Commercial loans: Real estate - nonresidential 1,790 — — — 1,790 Commercial business 171 — — — 171 1,961 — — — 1,961 Consumer: Home equity and junior liens 1,032 — 38 — 1,070 Other consumer 98 — — — 98 1,130 — 38 — 1,168 Total acquired loans $ 13,829 $ 28 $ 248 $ — $ 14,105 September 30, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 112,410 $ 1,353 $ 2,419 $ — $ 116,182 Construction 193 — — — 193 112,603 1,353 2,419 — 116,375 Commercial loans: Real estate - nonresidential 15,321 4,719 2,186 — 22,226 Multi-family 403 — — — 403 Commercial business 12,624 1,168 1,366 — 15,158 28,348 5,887 3,552 — 37,787 Consumer: Home equity and junior liens 9,974 38 80 — 10,092 Manufactured homes 48,234 — — — 48,234 Automobile 22,911 6 23 — 22,940 Student 2,216 — — — 2,216 Recreational vehicle 30,094 58 33 — 30,185 Other consumer 5,829 — — — 5,829 119,258 102 136 — 119,496 Total loans $ 260,209 $ 7,342 $ 6,107 $ — $ 273,658 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	September 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 $ 2,292 $ 587 $ 2,209 $ 5,088 $ 100,118 $ 105,206 Construction — — — — 193 193 2,292 587 2,209 5,088 100,311 105,399 Commercial loans: Real estate - nonresidential 63 — 604 667 19,769 20,436 Multi-family — — — — 403 403 Commercial business 9 41 502 552 14,435 14,987 72 41 1,106 1,219 34,607 35,826 Consumer loans: Home equity and junior liens 88 112 42 242 8,780 9,022 Manufactured homes 124 220 — 344 47,890 48,234 Automobile 282 39 23 344 22,596 22,940 Student — — — — 2,216 2,216 Recreational vehicle 268 58 33 359 29,826 30,185 Other consumer 31 — — 31 5,700 5,731 793 429 98 1,320 117,008 118,328 Total originated loans $ 3,157 $ 1,057 $ 3,413 $ 7,627 $ 251,926 $ 259,553 September 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 $ 162 $ 96 $ 191 $ 449 $ 10,527 $ 10,976 162 96 191 449 10,527 10,976 Commercial loans: Real estate - nonresidential — — — — 1,790 1,790 Commercial business — — — — 171 171 — — — — 1,961 1,961 Consumer loans: Home equity and junior liens — — 57 57 1,013 1,070 Other consumer — — — — 98 98 — — 57 57 1,111 1,168 Total acquired loans $ 162 $ 96 $ 248 $ 506 $ 13,599 $ 14,105 September 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 $ 2,454 $ 683 $ 2,400 $ 5,537 $ 110,645 $ 116,182 Construction — — — — 193 193 2,454 683 2,400 5,537 110,838 116,375 Commercial loans: Real estate - nonresidential 63 — 604 667 21,559 22,226 Multi-family — — — — 403 403 Commercial business 9 41 502 552 14,606 15,158 72 41 1,106 1,219 36,568 37,787 Consumer loans: Home equity and junior liens 88 112 99 299 9,793 10,092 Manufactured homes 124 220 — 344 47,890 48,234 Automobile 282 39 23 344 22,596 22,940 Student — — — — 2,216 2,216 Recreational vehicle 268 58 33 359 29,826 30,185 Other consumer 31 — — 31 5,798 5,829 793 429 155 1,377 118,119 119,496 Total loans $ 3,319 $ 1,153 $ 3,661 $ 8,133 $ 265,525 $ 273,658 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	September 30, December 31, (In thousands) 2021 2020 Residential mortgage loans: One- to four-family $ 2,400 $ 3,245 2,400 3,245 Commercial loans: Real estate - nonresidential 604 1,103 Multi-family — 42 Commercial business 502 688 1,106 1,833 Consumer loans: Home equity and junior liens 99 102 Manufactured homes — 75 Automobile 23 33 Recreational vehicle 33 — Other consumer — 31 155 241 Total non-accrual loans $ 3,661 $ 5,319
Summary of impaired loans information by portfolio class	September 30, 2021 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,062 $ 2,133 $ — Commercial real estate - nonresidential 604 954 — Commercial business 73 73 — Home equity and junior liens 80 80 — With an allowance recorded: One- to four-family residential mortgages 263 263 14 Commercial business 396 396 183 Total: One- to four-family residential mortgages 2,325 2,396 14 Commercial real estate - nonresidential 604 954 — Commercial business 469 469 183 Home equity and junior liens 80 80 — Other consumer — — — $ 3,478 $ 3,899 $ 197 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 Nine Months Ended September 30, September 30, (In thousands) 2021 2020 2021 2020 One- to four-family residential mortgages $ 2,397 $ 2,642 $ 2,412 $ 2,652 Commercial real estate - nonresidential 954 6,907 954 913 Commercial business 469 1,543 471 1,601 Home equity and junior liens 81 72 81 73 Automobile — 46 — 48 3,901 $ 11,210 3,918 $ 5,287 The following table presents interest income recognized on impaired loans: Three Months Ended Nine Months Ended September 30, September 30, (In thousands) 2021 2020 2021 2020 One- to four-family residential mortgages $ 13 $ 15 $ 56 $ 61 Commercial real estate - nonresidential — 4 1 14 Commercial business — 17 1 43 Home equity and junior liens — 2 2 4 Automobile — 1 — 3 $ 13 $ 39 $ 60 $ 125

Allowance for Loan Loss (Tables

Allowance for Loan Loss (Tables)	9 Months Ended
Allowance for Loan Loss (Tables)	Sep. 30, 2021
Allowance for Loan Loss
Changes in the allowance for loan losses	Three Months Ended September 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 $ 611 $ — $ 376 $ 2 $ — $ 563 Charge-offs (40) — (2) — — — Recoveries 1 — — — — — Provision (credit) for loan losses 180 — 51 1 — (94) Ending balance $ 752 $ — $ 425 $ 3 $ — $ 469 Three Months Ended September 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 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Charge-offs — — (1) — — (9) — (52) Recoveries — — 9 1 — 1 — 12 Provision (credit) for loan losses (17) 11 (6) (2) — 11 — 135 Ending balance $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 2,071 Three Months Ended September 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 $ 549 $ 1 $ 509 $ 41 $ — $ 380 Charge-offs — — (48) — — — Recoveries — — — 5 — — Provision (credit) for loan losses 44 (1) 10 (27) — 174 Ending balance $ 593 $ — $ 471 $ 19 $ — $ 554 Three Months Ended September 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 $ 38 $ — $ 134 $ 70 $ — $ 46 $ 228 $ 1,996 Charge-offs — — (15) — — — — (63) Recoveries — — 27 2 2 (3) — 33 Provision (credit) for loan losses (12) 69 (13) 86 (2) 16 (194) 150 Ending balance $ 26 $ 69 $ 133 $ 158 $ — $ 59 $ 34 $ 2,116 Nine Months Ended September 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 (117) — (53) — — (17) Recoveries 3 — 16 12 — 7 Provision (credit) for loan losses 409 — 143 (35) — (138) Ending balance $ 752 $ — $ 425 $ 3 $ — $ 469 Ending balance: related to loans individually evaluated for impairment $ 14 $ — $ — $ — $ — $ 183 Ending balance: related to loans collectively evaluated for impairment $ 738 $ — $ 425 $ 3 $ — $ 286 Loans receivable: Ending balance $ 116,182 $ 193 $ 22,226 $ 403 $ — $ 15,158 Ending balance: individually evaluated for impairment $ 2,325 $ — $ 604 $ — $ — $ 469 Ending balance: collectively evaluated for impairment $ 113,857 $ 193 $ 21,622 $ 403 $ — $ 14,689 Nine Months Ended September 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) — (7) — — (45) — (241) Recoveries — — 34 2 7 5 — 86 Provision (credit) for loan losses (15) 17 (9) (3) (7) 43 — 405 Ending balance $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 2,071 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ 197 Ending balance: related to loans collectively evaluated for impairment $ 29 $ 93 $ 145 $ 68 $ — $ 87 $ — $ 1,874 Loans receivable: Ending balance $ 10,092 $ 48,234 $ 22,940 $ 2,216 $ 30,185 $ 5,829 $ — $ 273,658 Ending balance: individually evaluated for impairment $ 80 $ — $ — $ — $ — $ — $ — $ 3,478 Ending balance: collectively evaluated for impairment $ 10,012 $ 48,234 $ 22,940 $ 2,216 $ 30,185 $ 5,829 $ — $ 270,180 Nine Months Ended September 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) — (48) — — — Recoveries 2 — — 14 — 140 Provision (credit) for loan losses 224 (2) 98 (12) — (113) Ending balance $ 593 $ — $ 471 $ 19 $ — $ 554 Ending balance: related to loans individually evaluated for impairment $ 81 $ — $ 276 $ — $ — $ 256 Ending balance: related to loans collectively evaluated for impairment $ 512 $ — $ 195 $ 19 $ — $ 298 Loans receivable: Ending balance $ 131,070 $ — $ 27,313 $ 5,158 $ 92 $ 27,386 Ending balance: individually evaluated for impairment $ 2,639 $ — $ 906 $ — $ — $ 1,546 Ending balance: collectively evaluated for impairment $ 128,431 $ — $ 26,407 $ 5,158 $ 92 $ 25,840 Nine Months Ended September 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 — — (44) — (14) (3) — (117) Recoveries 12 — 62 2 2 9 — 243 Provision (credit) for loan losses (36) 69 (27) 87 12 18 12 330 Ending balance $ 26 $ 69 $ 133 $ 158 $ — $ 59 $ 34 $ 2,116 Ending balance: related to loans individually evaluated for impairment $ — $ — $ 11 $ — $ — $ — $ — $ 624 Ending balance: related to loans collectively evaluated for impairment $ 26 $ 69 $ 122 $ 158 $ — $ 59 $ 34 $ 1,492 Loans receivable: Ending balance $ 11,527 $ 38,072 $ 22,004 $ 2,267 $ 13,547 $ 4,284 $ — $ 282,720 Ending balance: individually evaluated for impairment $ 72 $ — $ 45 $ — $ — $ — $ — $ 5,208 Ending balance: collectively evaluated for impairment $ 11,455 $ 38,072 $ 21,959 $ 2,267 $ 13,547 $ 4,284 $ — $ 277,512 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)	9 Months Ended
Employee Benefit Plans (Tables)	Sep. 30, 2021
Employee Benefit Plans
Schedule of net periodic expenses recognized in income	Generations Bank Plan: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2021 2020 2021 2020 Net periodic expenses recognized in income: Service cost $ 115 $ 103 $ 344 $ 309 Interest cost 105 112 315 336 Expected return on plan assets (370) (335) (1,110) (1,004) Amortization of net losses 28 34 85 101 Net periodic pension benefit $ (122) $ (86) $ (366) $ (258) Medina Savings and Loan Plan: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2021 2020 2021 2020 Net periodic expenses recognized in income: Service cost $ 8 $ 7 $ 23 $ 21 Interest cost 33 36 98 107 Expected return on plan assets (116) (108) (348) (322) Net periodic pension benefit $ (75) $ (65) $ (227) $ (194)

Regulatory Capital (Tables)

Regulatory Capital (Tables)	9 Months Ended
Regulatory Capital (Tables)	Sep. 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 September 30, 2021 Common Equity Tier 1 Capital $ 40,753 14.26 % $ 12,865 4.50 % $ 18,582 6.50 % Total Capital (to Risk-Weighted Assets) $ 42,824 14.98 % $ 22,870 8.00 % $ 28,588 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 40,753 14.26 % $ 17,153 6.00 % $ 22,870 8.00 % Tier 1 Capital (to Total Adjusted Assets) $ 40,753 10.74 % $ 15,179 4.00 % $ 18,974 5.00 % As of December 31, 2020: Common Equity Tier 1 Capital $ 31,942 12.18 % $ 11,798 4.50 % $ 17,041 6.50 % 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 % $ 15,730 6.00 % $ 20,974 8.00 % 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)	9 Months Ended
Commitments and Contingencies (Tables)	Sep. 30, 2021
Commitments and Contingencies
Financial instruments whose contract amounts represent credit risk	September 30, December 31, (In thousands) 2021 2020 Commitments to grant loans $ 4,905 $ 4,009 Unfunded commitments under lines of credit 15,640 14,823

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	9 Months Ended
Revenue from Contracts with Customers (Tables)	Sep. 30, 2021
Revenue from Contracts with Customers
Schedule of disaggregation of revenue	Three Months Ended Nine Months Ended September 30, September 30, (In thousands) 2021 2020 2021 2020 Service charges on deposit accounts $ 149 $ 132 $ 415 $ 443 Debit card interchange and surcharge income 208 218 651 561 Investment services income — 2 — 86 Insurance commission and fees 172 180 547 586 Loan servicing fees 40 54 99 125 $ 569 $ 586 $ 1,712 $ 1,801

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	9 Months Ended
Fair Value Disclosures (Tables)	Sep. 30, 2021
Fair Value Disclosures
Schedule of carrying amount and estimated fair value of the Company's financial instrument	September 30, 2021 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 12,185 $ 12,185 $ — $ — $ 12,185 Securities available-for-sale 36,846 — 33,817 3,029 36,846 Securities held-to-maturity 1,184 — 1,208 — 1,208 Equity securities 325 325 — — 325 Loans receivable 287,419 — — 292,759 292,759 FHLB stock 1,562 — 1,562 — 1,562 Accrued interest receivable 1,305 1,305 — — 1,305 Financial liabilities: Deposits $ 311,508 $ 89,973 $ — $ 217,485 $ 307,458 Long-term borrowings 19,858 — 25,210 — 25,210 Accrued interest payable 57 57 — — 57 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 FHLB stock 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	September 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 $ — $ 35 $ — $ 35 Corporate bonds — 19,527 — 19,527 Municipal bonds — 14,255 3,029 17,284 Equity investment securities: Large cap equity mutual fund 41 — — 41 Other mutual funds 284 — — 284 Total investment securities $ 325 $ 33,817 $ 3,029 $ 37,171 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 170 Purchases 826 Principal payments/maturities (1,141) Sales — Balance - September 30, 2021 $ 3,029 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 (479) Sales — Balance - September 30, 2020 $ 3,192
Schedule of assets measured at fair value on a nonrecurring basis	At September 30, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 1,188 $ 1,188 Foreclosed real estate & repossessed assets — — 56 56 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)	9 Months Ended
Segment Information (Tables)	Sep. 30, 2021
Segment Information
Summary of information about segments	Three Months Ended September 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 $ 3,074 $ — $ 61 $ 3,135 $ 2,542 $ — $ 123 $ 2,665 Provision for loan losses 135 — — 135 150 — — 150 Net interest income after provision for loan losses 2,939 — 61 3,000 2,392 — 123 2,515 Total noninterest income 500 171 — 671 499 182 480 1,161 Compensation and benefits (1,251) (90) — (1,341) (1,180) (92) (18) (1,290) Other noninterest expense (2,048) (44) (32) (2,124) (1,651) (39) (33) (1,723) Income before income tax expense 140 37 29 206 60 51 552 663 Income tax expense 28 — 5 33 23 — — 23 Net income $ 112 $ 37 $ 24 $ 173 $ 37 $ 51 $ 552 $ 640 Nine Months Ended September 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 $ 8,719 $ — $ 188 $ 8,907 $ 7,357 $ — $ 392 $ 7,749 Provision for loan losses 405 — — 405 330 — — 330 Net interest income after provision for loan losses 8,314 — 188 8,502 7,027 — 392 7,419 Total noninterest income 1,448 555 — 2,003 1,604 591 480 2,675 Compensation and benefits (3,661) (281) — (3,942) (3,705) (287) (56) (4,048) Other noninterest expense (5,273) (110) (94) (5,477) (4,694) (128) (78) (4,900) Income before income tax expense (benefit) 828 164 94 1,086 232 176 738 1,146 Income tax expense (benefit) 173 — 18 191 (201) — — (201) Net income $ 655 $ 164 $ 76 $ 895 $ 433 $ 176 $ 738 $ 1,347
Schedule of reconciliation of the Company's reported segment assets	At September 30, At December 31, (In thousands) 2021 2020 Total assets for reportable segments $ 393,308 $ 391,536 Elimination of intercompany balances (15,934) (18,522) Consolidated total assets $ 377,374 $ 373,014

Nature of Operations (Details)

Nature of Operations (Details) $ in Millions	Jan. 13, 2021USD ($)shares	Sep. 30, 2021shares	Dec. 31, 2020	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		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	$ 42,545	$ 29,354	$ 29,886	$ 28,231
Net current-period other comprehensive income (loss)	(264)	(229)	(60)	492
Ending balance	42,466	29,778	42,466	29,778
Accumulated Other Comprehensive Loss
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	(1,211)	(941)	(1,415)	(1,662)
Other comprehensive loss before reclassifications	(276)	124	(119)	792
Amounts reclassified from AOCI to the income statement	12	(353)	59	(300)
Net current-period other comprehensive income (loss)	(264)	(229)	(60)	492
Ending balance	(1,475)	(1,170)	(1,475)	(1,170)
Defined Benefit Pension Plan
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	(2,093)	(2,267)	(2,138)	(2,320)
Amounts reclassified from AOCI to the income statement	23	26	68	79
Net current-period other comprehensive income (loss)	23	26	68	79
Ending balance	(2,070)	(2,241)	(2,070)	(2,241)
Securities Available-for-Sale
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	882	1,326	723	658
Other comprehensive loss before reclassifications	(276)	124	(119)	792
Amounts reclassified from AOCI to the income statement	(11)	(379)	(9)	(379)
Net current-period other comprehensive income (loss)	(287)	(255)	(128)	413
Ending balance	$ 595	$ 1,071	$ 595	$ 1,071

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss - Amounts Reclassified From AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Accumulated Other Comprehensive Income (Loss) - Amounts Reclassified From AOCI
Retirement plan net losses recognized in net periodic pension cost	$ 1,341	$ 1,290	$ 3,942	$ 4,048
Tax effect	33	23	191	(201)
Amounts Reclassified From AOCI \| Securities Available-for-Sale
Accumulated Other Comprehensive Income (Loss) - Amounts Reclassified From AOCI
Realized gain on sale of securities	(13)	(480)	(11)	(480)
Net income	(11)	(379)	(9)	(379)
Tax effect	2	101	2	101
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	85	100
Tax effect	(5)	(7)	(17)	(21)
Net income	$ 23	$ 26	$ 68	$ 79

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Earnings Per Common Share
Weighted-average number of common shares outstanding	2,348,000	2,458,000	2,352,000	2,456,000
Dilutive common stock equivalents	$ 0	$ 0	$ 0	$ 0

Securities - Securities availab

Securities - Securities available-for-sale and held-to-maturity (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Securities available-for-sale:
Amortized Cost	$ 36,091	$ 17,010
Gross Unrealized Gains	1,231	918
Gross Unrealized Losses	(476)	(2)
Debt Securities, Available-for-sale, Total	36,846	17,926
Securities held-to-maturity:
Held-to-maturity securities Amortized Cost	1,184	1,480
Held-to-maturity securities Gross Unrealized Gains	27	33
Held-to-maturity securities Gross Unrealized Losses	(3)	(3)
Held-to-maturity securities Fair Value	1,208	1,510
Equity securities:
Equity securities amortized Cost	325	661
Equity securities	325	661
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Amortized Cost	34	39
Gross Unrealized Gains	1	1
Gross Unrealized Losses		(1)
Debt Securities, Available-for-sale, Total	35	39
Securities held-to-maturity:
Held-to-maturity securities Amortized Cost	1,184	1,480
Held-to-maturity securities Gross Unrealized Gains	27	33
Held-to-maturity securities Gross Unrealized Losses	(3)	(3)
Held-to-maturity securities Fair Value	1,208	1,510
Corporate bonds
Securities available-for-sale:
Amortized Cost	19,518
Gross Unrealized Gains	391
Gross Unrealized Losses	(382)
Debt Securities, Available-for-sale, Total	19,527
State and political subdivisions
Securities available-for-sale:
Amortized Cost	16,539	16,971
Gross Unrealized Gains	839	917
Gross Unrealized Losses	(94)	(1)
Debt Securities, Available-for-sale, Total	17,284	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	284	626
Equity securities	$ 284	$ 626

Securities - Gross unrealized l

Securities - Gross unrealized losses on investment securities and the fair value (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	$ 11,982	$ 1,090
Fair Value of more than 12 months	24	2
Total Fair Value	12,006	1,092
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(476)	(2)
Total Gross unrealized losses	(476)	(2)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less		150
Fair Value more than 12 months	170	97
Total Fair Value	170	247
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less		(1)
Gross unrealized losses more than 12 months	(3)	(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	24	2
Total Fair Value	24	26
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less		(1)
Total Gross unrealized losses		(1)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less		150
Fair Value more than 12 months	170	97
Total Fair Value	170	247
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less		(1)
Gross unrealized losses more than 12 months	(3)	(1)
Total Gross unrealized losses	(3)	(2)
Corporate bonds
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	7,228
Total Fair Value	7,228
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(382)
Total Gross unrealized losses	(382)
State and political subdivisions
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	4,754	1,066
Total Fair Value	4,754	1,066
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(94)	(1)
Total Gross unrealized losses	$ (94)	$ (1)

Securities - Narrative (Details

Securities - Narrative (Details)	9 Months Ended
Securities - Narrative (Details)	Sep. 30, 2021USD ($)security
Debt Securities, Available-for-sale [Line Items]
Number of government-backed securities	21
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) \| $	$ 800

Securities - Amortized cost and

Securities - Amortized cost and estimated fair values of debt securities (Details) - USD ($) $ in Thousands	Sep. 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	2,219
Due over five through ten years	5,270
Due after ten years	28,558
Total	36,057
Residential mortgage-backed securities	34
Total	36,091	$ 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	2,243
Due over five through ten years	5,407
Due after ten years	29,151
Total	36,811
Residential mortgage-backed securities	35
Debt Securities, Available-for-sale, Total	36,846	17,926
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Amortized Cost [Abstract]
Residential mortgage-backed securities	1,184
Debt Securities, Held-to-maturity, Total	1,184	1,480
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Fair Value [Abstract]
Residential mortgage-backed securities	1,208
Held-to-maturity securities Fair Value	$ 1,208	$ 1,510

Securities - Gross realized gai

Securities - Gross realized gains (losses) on sales and redemptions (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Securities
Realized gains	$ 13,000	$ 480,000	$ 11,000	$ 480,000
Total	13,000	$ 480,000	11,000	$ 480,000
Fair value of securities pledged as collateral	$ 5,386,183		$ 5,386,183		$ 6,969,058

Loans Receivable - Major classi

Loans Receivable - Major classifications of loans (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 273,658		$ 276,030	$ 282,720
Net deferred loan costs	16,136		11,787
Fair value credit and yield adjustment	(304)		(356)
Less: Allowance for loan losses	(2,071)	$ (1,976)	(1,821)	(2,116)	$ (1,996)	$ (1,660)
Loans receivable, net	287,419		285,640
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	116,375		127,356
Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	116,182		127,356	131,070
Less: Allowance for loan losses	(752)	(611)	(457)	(593)	(549)	(375)
Residential \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	193
Less: Allowance for loan losses					(1)	(2)
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	37,787		50,384
Commercial \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans				92
Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,226		24,754	27,313
Less: Allowance for loan losses	(425)	(376)	(319)	(471)	(509)	(421)
Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	403		5,125	5,158
Less: Allowance for loan losses	(3)	(2)	(26)	(19)	(41)	(17)
Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,158		20,505	27,386
Less: Allowance for loan losses	(469)	(563)	(617)	(554)	(380)	(527)
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	119,496		98,290
Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,092		11,387	11,527
Less: Allowance for loan losses	(29)	(46)	(46)	(26)	(38)	(50)
Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,234		44,347	38,072
Less: Allowance for loan losses	(93)	(82)	(76)	(69)
Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,940		21,469	22,004
Less: Allowance for loan losses	(145)	(143)	(127)	(133)	(134)	(142)
Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,216		2,259	2,267
Less: Allowance for loan losses	(68)	(69)	(69)	(158)	(70)	(69)
Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	30,185		14,557	13,547
Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,829		4,271	4,284
Less: Allowance for loan losses	(87)	$ (84)	(84)	$ (59)	$ (46)	$ (35)
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	259,553		258,063
Net deferred loan costs	16,197		11,854
Less: Allowance for loan losses	(2,071)		(1,821)
Loans receivable, net	273,679		268,096
Originated \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	105,399		113,254
Originated \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	105,206		113,254
Originated \| Residential \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	193
Originated \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	35,826		48,115
Originated \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	20,436		22,812
Originated \| Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	403		5,125
Originated \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	14,987		20,178
Originated \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,328		96,694
Originated \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,022		9,981
Originated \| Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,234		44,347
Originated \| Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,940		21,469
Originated \| Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,216		2,259
Originated \| Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	30,185		14,557
Originated \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,731		4,081
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	14,105		17,967
Net deferred loan costs	(61)		(67)
Fair value credit and yield adjustment	(304)		(356)
Loans receivable, net	13,740		17,544
Acquired \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,976		14,102
Acquired \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,976		14,102
Acquired \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,961		2,269
Acquired \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,790		1,942
Acquired \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	171		327
Acquired \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,168		1,596
Acquired \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,070		1,406
Acquired \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 98		$ 190

Loans Receivable - Loan portfol

Loans Receivable - Loan portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 273,658	$ 276,030	$ 282,720
Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	260,209	261,390
Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,342	6,003
Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,107	8,637
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	116,375	127,356
Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	112,603	123,421
Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,353	690
Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,419	3,245
Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	116,182	127,356	131,070
Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	112,410	123,421
Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,353	690
Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,419	3,245
Residential \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	193
Residential \| Construction \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	193
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	37,787	50,384
Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	28,348	39,958
Commercial \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,887	5,275
Commercial \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3,552	5,151
Commercial \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans			92
Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,226	24,754	27,313
Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,321	17,539
Commercial \| Real estate - nonresidential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,719	4,433
Commercial \| Real estate - nonresidential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,186	2,782
Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	403	5,125	5,158
Commercial \| Multi-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	403	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	15,158	20,505	27,386
Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	12,624	17,336
Commercial \| Commercial business \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,168	842
Commercial \| Commercial business \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,366	2,327
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	119,496	98,290
Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	119,258	98,011
Consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	102	38
Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	136	241
Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,092	11,387	11,527
Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,974	11,285
Consumer \| Home equity and junior liens \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	38
Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	80	102
Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,234	44,347	38,072
Consumer \| Manufactured homes \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,234	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	22,940	21,469	22,004
Consumer \| Automobile \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,911	21,432
Consumer \| Automobile \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6	4
Consumer \| Automobile \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23	33
Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,216	2,259	2,267
Consumer \| Student \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,216	2,259
Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	30,185	14,557	13,547
Consumer \| Recreational Vehicle \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	30,094	14,527
Consumer \| Recreational Vehicle \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	58	30
Consumer \| Recreational Vehicle \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	33
Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,829	4,271	$ 4,284
Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,829	4,236
Consumer \| Other consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans		4
Consumer \| Other consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans		31
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	259,553	258,063
Originated \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	246,380	243,900
Originated \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	7,314	5,940
Originated \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,859	8,223
Originated \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	105,399	113,254
Originated \| Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	101,865	109,752
Originated \| Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,325	627
Originated \| Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,209	2,875
Originated \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	105,206	113,254
Originated \| Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	101,672	109,752
Originated \| Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,325	627
Originated \| Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,209	2,875
Originated \| Residential \| Construction
Loans and Leases Receivable Disclosure [Line Items]
Total loans	193
Originated \| Residential \| Construction \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	193
Originated \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	35,826	48,115
Originated \| Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	26,387	37,689
Originated \| Commercial \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,887	5,275
Originated \| Commercial \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	3,552	5,151
Originated \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	20,436	22,812
Originated \| Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	13,531	15,597
Originated \| Commercial \| Real estate - nonresidential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,719	4,433
Originated \| Commercial \| Real estate - nonresidential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,186	2,782
Originated \| Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	403	5,125
Originated \| Commercial \| Multi-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	403	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	14,987	20,178
Originated \| Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	12,453	17,009
Originated \| Commercial \| Commercial business \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,168	842
Originated \| Commercial \| Commercial business \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,366	2,327
Originated \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,328	96,694
Originated \| Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,128	96,459
Originated \| Consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	102	38
Originated \| Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	98	197
Originated \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,022	9,981
Originated \| Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,942	9,923
Originated \| Consumer \| Home equity and junior liens \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	38
Originated \| Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	42	58
Originated \| Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,234	44,347
Originated \| Consumer \| Manufactured homes \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,234	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	22,940	21,469
Originated \| Consumer \| Automobile \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,911	21,432
Originated \| Consumer \| Automobile \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6	4
Originated \| Consumer \| Automobile \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23	33
Originated \| Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,216	2,259
Originated \| Consumer \| Student \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,216	2,259
Originated \| Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	30,185	14,557
Originated \| Consumer \| Recreational Vehicle \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	30,094	14,527
Originated \| Consumer \| Recreational Vehicle \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	58	30
Originated \| Consumer \| Recreational Vehicle \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	33
Originated \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,731	4,081
Originated \| Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,731	4,046
Originated \| Consumer \| Other consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans		4
Originated \| Consumer \| Other consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans		31
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	14,105	17,967
Acquired \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	13,829	17,490
Acquired \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	28	63
Acquired \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	248	414
Acquired \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,976	14,102
Acquired \| Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,738	13,669
Acquired \| Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	28	63
Acquired \| Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	210	370
Acquired \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,976	14,102
Acquired \| Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,738	13,669
Acquired \| Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	28	63
Acquired \| Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	210	370
Acquired \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,961	2,269
Acquired \| Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,961	2,269
Acquired \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,790	1,942
Acquired \| Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,790	1,942
Acquired \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	171	327
Acquired \| Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	171	327
Acquired \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,168	1,596
Acquired \| Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,130	1,552
Acquired \| Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	38	44
Acquired \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,070	1,406
Acquired \| Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,032	1,362
Acquired \| Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	38	44
Acquired \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	98	190
Acquired \| Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 98	$ 190

Loans Receivable - Non-accrual

Loans Receivable - Non-accrual and Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 8,133	$ 10,938
Total Loans Current	265,525	265,092
Total loans	273,658	276,030	$ 282,720
Non-accrual loans	3,661	5,319
Number of loans past due more than ninety days and still accruing	0	0
Total outstanding TDR	2,800
30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,319	4,275
60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,153	1,344
90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,661	5,319
Residential
Financing Receivable, Past Due [Line Items]
Total Past Due	5,537	6,552
Total Loans Current	110,838	120,804
Total loans	116,375	127,356
Non-accrual loans	2,400	3,245
Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,454	2,568
Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	683	739
Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,400	3,245
Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total Past Due	5,537	6,552
Total Loans Current	110,645	120,804
Total loans	116,182	127,356	131,070
Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,454	2,568
Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	683	739
Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,400	3,245
Residential \| 1-4 family first-lien
Financing Receivable, Past Due [Line Items]
Non-accrual loans	2,400	3,245
Residential \| Construction
Financing Receivable, Past Due [Line Items]
Total Loans Current	193
Total loans	193
Commercial
Financing Receivable, Past Due [Line Items]
Total Past Due	1,219	2,119
Total Loans Current	36,568	48,265
Total loans	37,787	50,384
Non-accrual loans	1,106	1,833
Commercial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	72	205
Commercial \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	41	81
Commercial \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,106	1,833
Commercial \| Construction
Financing Receivable, Past Due [Line Items]
Total loans			92
Commercial \| Other commercial and industrial
Financing Receivable, Past Due [Line Items]
Non-accrual loans	502	688
Commercial \| Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total Past Due	667	1,235
Total Loans Current	21,559	23,519
Total loans	22,226	24,754	27,313
Non-accrual loans	604	1,103
Commercial \| Real estate - nonresidential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	63	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	403	5,083
Total loans	403	5,125	5,158
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	552	842
Total Loans Current	14,606	19,663
Total loans	15,158	20,505	27,386
Commercial \| Commercial business \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	9	139
Commercial \| Commercial business \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	41	15
Commercial \| Commercial business \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	502	688
Consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	1,377	2,267
Total Loans Current	118,119	96,023
Total loans	119,496	98,290
Non-accrual loans	155	241
Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	793	1,502
Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	429	524
Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	155	241
Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total Past Due	299	269
Total Loans Current	9,793	11,118
Total loans	10,092	11,387	11,527
Non-accrual loans	99	102
Consumer \| Home equity and junior liens \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	88	138
Consumer \| Home equity and junior liens \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	112	29
Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	99	102
Consumer \| Manufactured homes
Financing Receivable, Past Due [Line Items]
Total Past Due	344	1,459
Total Loans Current	47,890	42,888
Total loans	48,234	44,347	38,072
Non-accrual loans		75
Consumer \| Manufactured homes \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	124	944
Consumer \| Manufactured homes \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	220	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	344	242
Total Loans Current	22,596	21,227
Total loans	22,940	21,469	22,004
Non-accrual loans	23	33
Consumer \| Automobile \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	282	188
Consumer \| Automobile \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	39	21
Consumer \| Automobile \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	23	33
Consumer \| Student
Financing Receivable, Past Due [Line Items]
Total Loans Current	2,216	2,259
Total loans	2,216	2,259	2,267
Consumer \| Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total Past Due	359	259
Total Loans Current	29,826	14,298
Total loans	30,185	14,557	13,547
Non-accrual loans	33
Consumer \| Recreational Vehicle \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	268	229
Consumer \| Recreational Vehicle \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	58	30
Consumer \| Recreational Vehicle \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	33
Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	31	38
Total Loans Current	5,798	4,233
Total loans	5,829	4,271	$ 4,284
Non-accrual loans		31
Consumer \| Other consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	31	3
Consumer \| Other consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		4
Consumer \| Other consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		31
Originated
Financing Receivable, Past Due [Line Items]
Total Past Due	7,627	10,184
Total Loans Current	251,926	247,879
Total loans	259,553	258,063
Originated \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,157	4,006
Originated \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,057	1,275
Originated \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	3,413	4,903
Originated \| Residential
Financing Receivable, Past Due [Line Items]
Total Past Due	5,088	5,911
Total Loans Current	100,311	107,343
Total loans	105,399	113,254
Originated \| Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,292	2,345
Originated \| Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	587	691
Originated \| Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,209	2,875
Originated \| Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total Past Due	5,088	5,911
Total Loans Current	100,118	107,343
Total loans	105,206	113,254
Originated \| Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,292	2,345
Originated \| Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	587	691
Originated \| Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	2,209	2,875
Originated \| Residential \| Construction
Financing Receivable, Past Due [Line Items]
Total Loans Current	193
Total loans	193
Originated \| Commercial
Financing Receivable, Past Due [Line Items]
Total Past Due	1,219	2,104
Total Loans Current	34,607	46,011
Total loans	35,826	48,115
Originated \| Commercial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	72	205
Originated \| Commercial \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	41	66
Originated \| Commercial \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	1,106	1,833
Originated \| Commercial \| Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total Past Due	667	1,235
Total Loans Current	19,769	21,577
Total loans	20,436	22,812
Originated \| Commercial \| Real estate - nonresidential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	63	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	403	5,083
Total loans	403	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	552	827
Total Loans Current	14,435	19,351
Total loans	14,987	20,178
Originated \| Commercial \| Commercial business \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	9	139
Originated \| Commercial \| Commercial business \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	41
Originated \| Commercial \| Commercial business \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	502	688
Originated \| Consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	1,320	2,169
Total Loans Current	117,008	94,525
Total loans	118,328	96,694
Originated \| Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	793	1,456
Originated \| Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	429	518
Originated \| Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	98	195
Originated \| Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total Past Due	242	173
Total Loans Current	8,780	9,808
Total loans	9,022	9,981
Originated \| Consumer \| Home equity and junior liens \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	88	92
Originated \| Consumer \| Home equity and junior liens \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	112	23
Originated \| Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	42	58
Originated \| Consumer \| Manufactured homes
Financing Receivable, Past Due [Line Items]
Total Past Due	344	1,459
Total Loans Current	47,890	42,888
Total loans	48,234	44,347
Originated \| Consumer \| Manufactured homes \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	124	944
Originated \| Consumer \| Manufactured homes \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	220	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	344	242
Total Loans Current	22,596	21,227
Total loans	22,940	21,469
Originated \| Consumer \| Automobile \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	282	188
Originated \| Consumer \| Automobile \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	39	21
Originated \| Consumer \| Automobile \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	23	33
Originated \| Consumer \| Student
Financing Receivable, Past Due [Line Items]
Total Loans Current	2,216	2,259
Total loans	2,216	2,259
Originated \| Consumer \| Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total Past Due	359	259
Total Loans Current	29,826	14,298
Total loans	30,185	14,557
Originated \| Consumer \| Recreational Vehicle \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	268	229
Originated \| Consumer \| Recreational Vehicle \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	58	30
Originated \| Consumer \| Recreational Vehicle \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	33
Originated \| Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total Past Due	31	36
Total Loans Current	5,700	4,045
Total loans	5,731	4,081
Originated \| Consumer \| Other consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	31	3
Originated \| Consumer \| Other consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		4
Originated \| Consumer \| Other consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		29
Acquired
Financing Receivable, Past Due [Line Items]
Total Past Due	506	754
Total Loans Current	13,599	17,213
Total loans	14,105	17,967
Acquired \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	162	269
Acquired \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	96	69
Acquired \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	248	416
Acquired \| Residential
Financing Receivable, Past Due [Line Items]
Total Past Due	449	641
Total Loans Current	10,527	13,461
Total loans	10,976	14,102
Acquired \| Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	162	223
Acquired \| Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	96	48
Acquired \| Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	191	370
Acquired \| Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total Past Due	449	641
Total Loans Current	10,527	13,461
Total loans	10,976	14,102
Acquired \| Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	162	223
Acquired \| Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	96	48
Acquired \| Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	191	370
Acquired \| Commercial
Financing Receivable, Past Due [Line Items]
Total Loans Current	1,961
Total loans	1,961	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	1,790	1,942
Total loans	1,790	1,942
Acquired \| Commercial \| Commercial business
Financing Receivable, Past Due [Line Items]
Total Past Due		15
Total Loans Current	171	312
Total loans	171	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	57	98
Total Loans Current	1,111	1,498
Total loans	1,168	1,596
Acquired \| Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		46
Acquired \| Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due		6
Acquired \| Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	57	46
Acquired \| Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total Past Due	57	96
Total Loans Current	1,013	1,310
Total loans	1,070	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		6
Acquired \| Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Total Past Due	57	44
Acquired \| Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total Past Due		2
Total Loans Current	98	188
Total loans	$ 98	190
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		9 Months Ended		12 Months Ended
	Sep. 30, 2021USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2021USD ($)loan	Sep. 30, 2020USD ($)	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			0		1
Total outstanding TDR	$ 2,800		$ 2,800
Outstanding balance					$ 2,500
Charge-offs	(52)	$ (63)	$ (241)	$ (117)	(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	$ (1)	$ (15)	$ (7)	$ (44)	$ (54)

Loans Receivable - Impaired Loa

Loans Receivable - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Recorded Investment
Total:	$ 3,478		$ 3,478		$ 6,152
Unpaid Principal Balance
Total:	3,899		3,899		6,603
Related Allowance	197		197		305
Average Recorded Investment
Total:	3,901	$ 11,210	3,918	$ 5,287
One- to four-family
Recorded Investment
Total:	2,325		2,325
Unpaid Principal Balance
Total:	2,396		2,396
Related Allowance	14		14
Real estate - nonresidential
Recorded Investment
Total:	604		604
Unpaid Principal Balance
Total:	954		954
Commercial business
Recorded Investment
Total:	469		469
Unpaid Principal Balance
Total:	469		469
Related Allowance	183		183
Home equity and junior liens
Recorded Investment
Total:	80		80
Unpaid Principal Balance
Total:	80		80
Residential \| One- to four-family
Recorded Investment
With no related allowance recorded:	2,062		2,062		2,836
With an allowance recorded:	263		263		429
Total:					3,265
Unpaid Principal Balance
With no related allowance recorded:	2,133		2,133		2,937
With an allowance recorded:	263		263		429
Total:					3,366
Related Allowance	14		14		21
Average Recorded Investment
Total:	2,397	2,642	2,412	2,652
Interest recognized on cash basis	13	15	56	61
Commercial \| Real estate - nonresidential
Recorded Investment
With no related allowance recorded:	604		604		1,198
Total:					1,198
Unpaid Principal Balance
With no related allowance recorded:	954		954		1,548
Total:					1,548
Average Recorded Investment
Total:	954	6,907	954	913
Interest recognized on cash basis		4	1	14
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:	396		396		713
Total:					1,495
Unpaid Principal Balance
With no related allowance recorded:	73		73		782
With an allowance recorded:	396		396		713
Total:					1,495
Related Allowance	183		183		265
Average Recorded Investment
Total:	469	1,543	471	1,601
Interest recognized on cash basis		17	1	43
Consumer
Average Recorded Investment
Interest recognized on cash basis	13	39	60	125
Consumer \| Home equity and junior liens
Recorded Investment
With no related allowance recorded:	80		80		109
Total:					109
Unpaid Principal Balance
With no related allowance recorded:	80		80		109
Total:					109
Average Recorded Investment
Total:	$ 81	72	81	73
Interest recognized on cash basis		2	$ 2	4
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:		46		48
Interest recognized on cash basis		$ 1		$ 3
Consumer \| Other consumer
Recorded Investment
With an allowance recorded:					2
Total:					2
Unpaid Principal Balance
With an allowance recorded:					2
Total:					2
Related Allowance					$ 2

Allowance for Loan Loss (Detail

Allowance for Loan Loss (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
Allowance for Loan Loss (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Allowance for loan losses:
Beginning Balance	$ 1,976	$ 1,996	$ 1,821	$ 1,660	$ 1,660
Charge-offs	(52)	(63)	(241)	(117)	(583)
Recoveries	12	33	86	243	264
Provision (credit) for loan losses	135	150	405	330	480
Ending balance	2,071	2,116	2,071	2,116	1,821
Ending balance: related to loans individually evaluated for impairment	197	624	197	624	305
Ending balance: related to loans collectively evaluated for impairment	1,874	1,492	1,874	1,492	1,516
Loans receivable - Ending balance	273,658	282,720	273,658	282,720	276,030
Loans receivable - Ending balance: individually evaluated for impairment	3,478	5,208	3,478	5,208	6,152
Loans receivable - Ending balance: collectively evaluated for impairment	270,180	277,512	270,180	277,512	269,878
Unallocated
Allowance for loan losses:
Beginning Balance		228		22	22
Provision (credit) for loan losses		(194)		12	(22)
Ending balance		34		34
Ending balance: related to loans collectively evaluated for impairment		34		34
Residential
Allowance for loan losses:
Loans receivable - Ending balance	116,375		116,375		127,356
Residential \| One- to four-family
Allowance for loan losses:
Beginning Balance	611	549	457	375	375
Charge-offs	(40)		(117)	(8)	(89)
Recoveries	1		3	2	4
Provision (credit) for loan losses	180	44	409	224	167
Ending balance	752	593	752	593	457
Ending balance: related to loans individually evaluated for impairment	14	81	14	81	21
Ending balance: related to loans collectively evaluated for impairment	738	512	738	512	436
Loans receivable - Ending balance	116,182	131,070	116,182	131,070	127,356
Loans receivable - Ending balance: individually evaluated for impairment	2,325	2,639	2,325	2,639	3,265
Loans receivable - Ending balance: collectively evaluated for impairment	113,857	128,431	113,857	128,431	124,091
Residential \| Construction
Allowance for loan losses:
Beginning Balance		1		2	2
Provision (credit) for loan losses		(1)		(2)	(2)
Loans receivable - Ending balance	193		193
Loans receivable - Ending balance: collectively evaluated for impairment	193		193
Commercial
Allowance for loan losses:
Loans receivable - Ending balance	37,787		37,787		50,384
Commercial \| Construction
Allowance for loan losses:
Loans receivable - Ending balance		92		92
Loans receivable - Ending balance: collectively evaluated for impairment		92		92
Commercial \| Real estate - nonresidential
Allowance for loan losses:
Beginning Balance	376	509	319	421	421
Charge-offs	(2)	(48)	(53)	(48)	(398)
Recoveries			16
Provision (credit) for loan losses	51	10	143	98	296
Ending balance	425	471	425	471	319
Ending balance: related to loans individually evaluated for impairment		276		276
Ending balance: related to loans collectively evaluated for impairment	425	195	425	195	319
Loans receivable - Ending balance	22,226	27,313	22,226	27,313	24,754
Loans receivable - Ending balance: individually evaluated for impairment	604	906	604	906	1,198
Loans receivable - Ending balance: collectively evaluated for impairment	21,622	26,407	21,622	26,407	23,556
Commercial \| Multi-family
Allowance for loan losses:
Beginning Balance	2	41	26	17	17
Recoveries		5	12	14	19
Provision (credit) for loan losses	1	(27)	(35)	(12)	(10)
Ending balance	3	19	3	19	26
Ending balance: related to loans individually evaluated for impairment					7
Ending balance: related to loans collectively evaluated for impairment	3	19	3	19	19
Loans receivable - Ending balance	403	5,158	403	5,158	5,125
Loans receivable - Ending balance: individually evaluated for impairment					42
Loans receivable - Ending balance: collectively evaluated for impairment	403	5,158	403	5,158	5,083
Commercial \| Commercial business
Allowance for loan losses:
Beginning Balance	563	380	617	527	527
Charge-offs			(17)		(15)
Recoveries			7	140	140
Provision (credit) for loan losses	(94)	174	(138)	(113)	(35)
Ending balance	469	554	469	554	617
Ending balance: related to loans individually evaluated for impairment	183	256	183	256	265
Ending balance: related to loans collectively evaluated for impairment	286	298	286	298	352
Loans receivable - Ending balance	15,158	27,386	15,158	27,386	20,505
Loans receivable - Ending balance: individually evaluated for impairment	469	1,546	469	1,546	1,495
Loans receivable - Ending balance: collectively evaluated for impairment	14,689	25,840	14,689	25,840	19,010
Consumer
Allowance for loan losses:
Loans receivable - Ending balance	119,496		119,496		98,290
Consumer \| Home equity and junior liens
Allowance for loan losses:
Beginning Balance	46	38	46	50	50
Charge-offs			(2)		(9)
Recoveries				12	12
Provision (credit) for loan losses	(17)	(12)	(15)	(36)	(7)
Ending balance	29	26	29	26	46
Ending balance: related to loans collectively evaluated for impairment	29	26	29	26	46
Loans receivable - Ending balance	10,092	11,527	10,092	11,527	11,387
Loans receivable - Ending balance: individually evaluated for impairment	80	72	80	72	109
Loans receivable - Ending balance: collectively evaluated for impairment	10,012	11,455	10,012	11,455	11,278
Consumer \| Manufactured homes
Allowance for loan losses:
Beginning Balance	82		76
Provision (credit) for loan losses	11	69	17	69	76
Ending balance	93	69	93	69	76
Ending balance: related to loans collectively evaluated for impairment	93	69	93	69	76
Loans receivable - Ending balance	48,234	38,072	48,234	38,072	44,347
Loans receivable - Ending balance: collectively evaluated for impairment	48,234	38,072	48,234	38,072	44,347
Consumer \| Automobile
Allowance for loan losses:
Beginning Balance	143	134	127	142	142
Charge-offs	(1)	(15)	(7)	(44)	(54)
Recoveries	9	27	34	62	71
Provision (credit) for loan losses	(6)	(13)	(9)	(27)	(32)
Ending balance	145	133	145	133	127
Ending balance: related to loans individually evaluated for impairment		11		11	10
Ending balance: related to loans collectively evaluated for impairment	145	122	145	122	117
Loans receivable - Ending balance	22,940	22,004	22,940	22,004	21,469
Loans receivable - Ending balance: individually evaluated for impairment		45		45	41
Loans receivable - Ending balance: collectively evaluated for impairment	22,940	21,959	22,940	21,959	21,428
Consumer \| Student
Allowance for loan losses:
Beginning Balance	69	70	69	69	69
Recoveries	1	2	2	2	3
Provision (credit) for loan losses	(2)	86	(3)	87	(3)
Ending balance	68	158	68	158	69
Ending balance: related to loans collectively evaluated for impairment	68	158	68	158	69
Loans receivable - Ending balance	2,216	2,267	2,216	2,267	2,259
Loans receivable - Ending balance: collectively evaluated for impairment	2,216	2,267	2,216	2,267	2,259
Consumer \| Recreational Vehicle
Allowance for loan losses:
Charge-offs				(14)	(14)
Recoveries		2	7	2	6
Provision (credit) for loan losses		(2)	(7)	12	8
Loans receivable - Ending balance	30,185	13,547	30,185	13,547	14,557
Loans receivable - Ending balance: collectively evaluated for impairment	30,185	13,547	30,185	13,547	14,557
Consumer \| Other consumer
Allowance for loan losses:
Beginning Balance	84	46	84	35	35
Charge-offs	(9)		(45)	(3)	(4)
Recoveries	1		5	9	9
Recoveries		(3)
Provision (credit) for loan losses	11	16	43	18	44
Ending balance	87	59	87	59	84
Ending balance: related to loans individually evaluated for impairment					2
Ending balance: related to loans collectively evaluated for impairment	87	59	87	59	82
Loans receivable - Ending balance	5,829	4,284	5,829	4,284	4,271
Loans receivable - Ending balance: individually evaluated for impairment					2
Loans receivable - Ending balance: collectively evaluated for impairment	$ 5,829	$ 4,284	$ 5,829	$ 4,284	$ 4,269

Employee Benefit Plans - Define

Employee Benefit Plans - Defined Benefit Plan - Components of net periodic pension expense (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2021USD ($)plan	Sep. 30, 2020USD ($)
Net periodic expenses recognized in income:
Number of benefit pension plans \| plan			2
Generations Bank Plan
Net periodic expenses recognized in income:
Service cost	$ 115	$ 103	$ 344	$ 309
Interest cost	105	112	315	336
Expected return on plan assets	(370)	(335)	(1,110)	(1,004)
Amortization of net losses	28	34	85	101
Net periodic pension benefit	(122)	(86)	(366)	(258)
Medina Savings and Loan Plan
Net periodic expenses recognized in income:
Service cost	8	7	23	21
Interest cost	33	36	98	107
Expected return on plan assets	(116)	(108)	(348)	(322)
Net periodic pension benefit	$ (75)	$ (65)	$ (227)	$ (194)

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	Sep. 30, 2021USD ($)	Dec. 31, 2020USD ($)	Sep. 10, 2020
Actual amount
Common Equity Tier 1 Capital,	$ 40,753	$ 31,942
Total Capital (to Risk-Weighted Assets)	42,824	33,768
Tier 1 Capital* (to Risk-Weighted Assets)	40,753	31,942
Core Capital (to Total Adjusted Assets)	$ 40,753	$ 31,942
Actual Ratio
Common Equity Tier 1 Capital	14.26	12.18
Total Capital (to Risk-Weighted Assets)	14.98	12.88
Tier 1 Capital* (to Risk-Weighted Assets)	14.26	12.18
Core Capital (to Total Adjusted Assets)	10.74	8.72
Excess capital to risk weighted assets	10	10
Minimum For Capital Adequacy Purposes, Amount
Common Equity Tier 1 Capital,	$ 12,865	$ 11,798
Total Capital (to Risk-Weighted Assets)	22,870	20,974
Tier 1 Capital* (to Risk-Weighted Assets)	17,153	15,730
Core Capital (to Total Adjusted Assets)	$ 15,179	$ 14,648
Minimum For Capital Adequacy Purposes, Ratio
Common Equity Tier 1 Capital,	4.50	4.50
Total Capital (to Risk-Weighted Assets)	8	8
Tier 1 Capital* (to Risk-Weighted Assets)	6	6
Core Capital (to Total Adjusted Assets)	4	4
Minimum To Be Well- Capitalized Under Prompt Corrective Provisions Amount
Common Equity Tier 1 Capital,	$ 18,582	$ 17,041
Total Capital (to Risk-Weighted Assets)	28,588	26,217
Tier 1 Capital* (to Risk-Weighted Assets)	22,870	20,974
Core Capital (to Total Adjusted Assets)	$ 18,974	$ 18,310
Minimum To Be Well- Capitalized Under Prompt Corrective Provisions Ratio
Common Equity Tier 1 Capital,	6.50	6.50
Total Capital (to Risk-Weighted Assets)	10	10
Tier 1 Capital* (to Risk-Weighted Assets)	8	8
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	9 Months Ended	12 Months Ended
	Sep. 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	4,905	4,009
Unfunded commitments under lines of credit
Commitments and Contingencies
Credit risk for financial instruments	$ 15,640	$ 14,823

Commitments and Contingencies_2

Commitments and Contingencies - Commitments to Originate (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Commitments and Contingencies
Outstanding principal balance	$ 287,419,000	$ 285,640,000
MPF Program
Commitments and Contingencies
Outstanding principal balance	10,600,000
Recourse back to bank for loans sold		$ 2,200,000
First loss account allocated to bank	87,000
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 ($)	9 Months Ended		12 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Commitments and Contingencies
Operating lease expense	$ 19,000	$ 34,000	$ 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		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Revenue from Contracts with Customers
Revenues	$ 569	$ 586	$ 1,712	$ 1,801
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenues	149	132	415	443
Debit card interchange and surcharge income
Revenue from Contracts with Customers
Revenues	208	218	651	561
Investment services income
Revenue from Contracts with Customers
Revenues		2		86
Insurance commission and fees
Revenue from Contracts with Customers
Revenues	172	180	547	586
Loan servicing fees
Revenue from Contracts with Customers
Revenues	$ 40	$ 54	$ 99	$ 125

Fair Value Disclosures - Carryi

Fair Value Disclosures - Carrying amount and estimated fair value (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financial assets:
Investment securities available-for-sale, at fair value	$ 36,846	$ 17,926
Securities held-to-maturity	1,208	1,510
Equity securities	325	661
Carrying Value
Financial assets:
Cash and cash equivalents	12,185	26,830
Investment securities available-for-sale, at fair value	36,846	17,926
Securities held-to-maturity	1,184	1,480
Equity securities	325	661
Loans receivable	287,419	285,640
FHLB stock	1,562	1,992
Accrued interest receivable	1,305	1,179
Financial liabilities:
Deposits	311,508	309,546
Long-term borrowings	19,858	27,628
Subordinated debt		1,235
Accrued interest payable	57	52
Fair Value
Financial assets:
Cash and cash equivalents	12,185	26,830
Investment securities available-for-sale, at fair value	36,846	17,926
Securities held-to-maturity	1,208	1,510
Equity securities	325	661
Loans receivable	292,759	280,887
FHLB stock	1,562	1,992
Accrued interest receivable	1,305	1,179
Financial liabilities:
Deposits	307,458	311,175
Long-term borrowings	25,210	30,053
Subordinated debt		1,235
Accrued interest payable	57	52
Level 1
Financial assets:
Cash and cash equivalents	12,185	26,830
Equity securities	325	661
Accrued interest receivable	1,305	1,179
Financial liabilities:
Deposits	89,973	97,418
Accrued interest payable	57	52
Level 2
Financial assets:
Investment securities available-for-sale, at fair value	33,817	14,752
Securities held-to-maturity	1,208	1,510
FHLB stock	1,562	1,992
Financial liabilities:
Long-term borrowings	25,210	30,053
Subordinated debt		1,235
Level 3
Financial assets:
Investment securities available-for-sale, at fair value	3,029	3,174
Loans receivable	292,759	280,887
Financial liabilities:
Deposits	$ 217,485	$ 213,757

Fair Value Disclosures - Fair v

Fair Value Disclosures - Fair value on a recurring basis (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Securities available-for-sale:
Debt investment securities	$ 36,846	$ 17,926
Equity securities:
Equity investment securities, at fair value	325	661
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	35	39
Corporate bonds
Securities available-for-sale:
Debt investment securities	19,527
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	284	626
Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	37,171	18,587
Fair Value, Recurring [Member] \| Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	35	39
Fair Value, Recurring [Member] \| Corporate bonds
Securities available-for-sale:
Debt investment securities	19,527
Fair Value, Recurring [Member] \| Municipal bonds
Securities available-for-sale:
Debt investment securities	17,284	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	284	626
Level 1
Equity securities:
Equity investment securities, at fair value	325	661
Level 1 \| Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	325	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	284	626
Level 2
Securities available-for-sale:
Debt investment securities	33,817	14,752
Level 2 \| Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	33,817	14,752
Level 2 \| Fair Value, Recurring [Member] \| Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	35	39
Level 2 \| Fair Value, Recurring [Member] \| Corporate bonds
Securities available-for-sale:
Debt investment securities	19,527
Level 2 \| Fair Value, Recurring [Member] \| Municipal bonds
Securities available-for-sale:
Debt investment securities	14,255	14,713
Level 3
Securities available-for-sale:
Debt investment securities	3,029	3,174
Level 3 \| Fair Value, Recurring [Member]
Equity securities:
Investments, Fair Value Disclosure, Total	3,029	3,174
Level 3 \| Fair Value, Recurring [Member] \| Municipal bonds
Securities available-for-sale:
Debt investment securities	$ 3,029	$ 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	9 Months Ended
	Sep. 30, 2021	Sep. 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	170
Purchases	826	1,159
Principal payments	(1,141)	(479)
Ending balance	$ 3,029	$ 3,192

Fair Value Disclosures - Summar

Fair Value Disclosures - Summarize assets measured at fair value on a nonrecurring basis (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	$ 3,478	$ 6,152
Non - recurring
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	1,188	1,663
Foreclosed real estate & repossessed assets	56	45
Non - recurring \| Level 3
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	1,188	1,663
Foreclosed real estate & repossessed assets	$ 56	$ 45

Fair Value Disclosures - Transf

Fair Value Disclosures - Transfers of assets in or out of any fair value measurement level (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 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)	Sep. 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		9 Months Ended
Segment Information (Details) $ in Thousands	Sep. 30, 2021USD ($)segment	Sep. 30, 2020USD ($)segment	Sep. 30, 2021USD ($)segment	Sep. 30, 2020USD ($)segment	Dec. 31, 2020USD ($)
Segment Reporting Information [Line Items]
Number of Reportable Segments \| segment	3	3	3	3
Net interest income	$ 3,135	$ 2,665	$ 8,907	$ 7,749
Provision for loan losses	135	150	405	330
Net interest income after provision for loan losses	3,000	2,515	8,502	7,419
Total noninterest income	671	1,145	2,003	2,675
Compensation and benefits	1,341	1,290	3,942	4,048
Other noninterest expense	(389)	(360)	(970)	(935)
(Loss) income before income taxes	206	663	1,086	1,146
Income tax expense (benefit)	33	23	191	(201)
Net income	173	640	895	1,347
Total assets	377,374		377,374		$ 373,014
Operating segment
Segment Reporting Information [Line Items]
Net interest income	3,135	2,665	8,907	7,749
Provision for loan losses	135	150	405	330
Net interest income after provision for loan losses	3,000	2,515	8,502	7,419
Total noninterest income	671	1,161	2,003	2,675
Compensation and benefits	(1,341)	(1,290)	(3,942)	(4,048)
Other noninterest expense	(2,124)	(1,723)	(5,477)	(4,900)
(Loss) income before income taxes	206	663	1,086	1,146
Income tax expense (benefit)	33	23	191	(201)
Net income	173	640	895	1,347
Total assets	393,308		393,308		391,536
Operating segment \| Community Banking Activities
Segment Reporting Information [Line Items]
Net interest income	3,074	2,542	8,719	7,357
Provision for loan losses	135	150	405	330
Net interest income after provision for loan losses	2,939	2,392	8,314	7,027
Total noninterest income	500	499	1,448	1,604
Compensation and benefits	(1,251)	(1,180)	(3,661)	(3,705)
Other noninterest expense	(2,048)	(1,651)	(5,273)	(4,694)
(Loss) income before income taxes	140	60	828	232
Income tax expense (benefit)	28	23	173	(201)
Net income	112	37	655	433
Operating segment \| Insurance Activities
Segment Reporting Information [Line Items]
Total noninterest income	171	182	555	591
Compensation and benefits	(90)	(92)	(281)	(287)
Other noninterest expense	(44)	(39)	(110)	(128)
(Loss) income before income taxes	37	51	164	176
Net income	37	51	164	176
Operating segment \| Municipal Banking Activities
Segment Reporting Information [Line Items]
Net interest income	61	123	188	392
Net interest income after provision for loan losses	61	123	188	392
Total noninterest income		480		480
Compensation and benefits		(18)		(56)
Other noninterest expense	(32)	(33)	(94)	(78)
(Loss) income before income taxes	29	552	94	738
Income tax expense (benefit)	5		18
Net income	24	$ 552	76	$ 738
Elimination of intercompany balances
Segment Reporting Information [Line Items]
Total assets	$ (15,934)		$ (15,934)		$ (18,522)