Generations Bancorp NY (GBNY) 10-Q5 Aug 222022 Q2 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2022	Aug. 04, 2022
Document and Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Jun. 30, 2022
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		2,428,814
Entity Central Index Key	0001823365
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Amendment Flag	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
ASSETS:
Cash and due from banks	$ 3,615	$ 4,051
Interest earning deposits	9,340	16,946
Total cash and cash equivalents	12,955	20,997
Interest earning time deposits in banks	650	650
Investment securities available-for-sale, at fair value	32,910	36,975
Investment securities held-to-maturity (fair value 2022-$1,004, 2021-$1,150)	1,016	1,128
Equity investment securities, at fair value	299	350
Federal Home Loan Bank stock, at cost	1,217	1,450
Loans	283,127	279,961
Less: Allowance for loan losses	(2,188)	(1,841)
Loans receivable, net	280,939	278,120
Premises and equipment, net	15,074	15,345
Bank-owned life insurance	7,944	7,890
Pension plan asset	11,941	11,107
Foreclosed real estate & repossessed assets	69	27
Goodwill	792	792
Intangible assets, net	751	783
Accrued interest receivable	1,162	1,249
Other assets	1,953	2,086
Total assets	369,672	378,949
Deposits:
Noninterest-bearing	57,284	57,540
Interest-bearing	254,270	254,509
Total deposits	311,554	312,049
Long-term borrowings	14,228	17,760
Advances from borrowers for taxes and insurance	2,738	2,443
Other liabilities	2,124	3,218
Total liabilities	330,644	335,470
Shareholders' equity:
Preferred stock, par value $0.01; 1,000,000 shares authorized; none issued
Common stock, par value $0.01; 14,000,000 shares authorized in 2022 and 2021; 2,430,972 shares issued and outstanding in 2022; and 2,458,261 shares issued and outstanding in 2021	25	26
Additional paid in capital	23,716	24,494
Retained earnings	22,276	21,669
Accumulated other comprehensive loss	(5,224)	(966)
Stock held in rabbi trust	(698)	(654)
Unearned ESOP shares, at cost	(1,067)	(1,090)
Total shareholders' equity	39,028	43,479
Total liabilities and shareholders' equity	$ 369,672	$ 378,949

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Condensed Consolidated Statements of Financial Condition
Investment securities held-to-maturity, fair value	$ 1,004	$ 1,150
Preferred Stock, Par or Stated Value Per Share	$ 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	$ 0.01	$ 0.01
Common Stock, Shares Authorized	14,000,000	14,000,000
Common Stock, Shares, Issued	2,430,972	2,458,261
Common Stock, Shares, Outstanding	2,430,972	2,458,261

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest and dividend income:
Loans, including fees	$ 2,868	$ 3,107	$ 5,818	$ 6,216
Debt and equity securities:
Taxable	139	129	301	213
Tax-exempt	111	100	223	201
Interest-earning deposits	38	3	54	7
Other	13	23	22	46
Total interest income	3,169	3,362	6,418	6,683
Interest expense:
Deposits	279	322	556	669
Long-term borrowings	68	111	145	233
Subordinated debt				9
Total interest expense	347	433	701	911
Net interest income	2,822	2,929	5,717	5,772
Provision for loan losses	150	135	300	270
Net interest income after provision for loan losses	2,672	2,794	5,417	5,502
Noninterest income:
Banking fees and service charges	427	398	802	772
Mortgage banking income, net	15	10	24	23
Insurance commissions	101	201	298	375
Earnings on bank-owned life insurance	26	27	53	59
Change in fair value on equity securities	(39)	18	(51)	3
Net loss on sale of securities		(2)		(2)
Other charges, commissions & fees	37	68	57	102
Total noninterest income	567	720	1,183	1,332
Noninterest expense:
Compensation and benefits	1,163	1,342	2,398	2,601
Occupancy and equipment	499	531	984	1,051
Service charges	531	507	1,037	1,010
Regulatory assessments	63	116	126	211
Professional and other services	192	144	382	283
Advertising	106	109	214	217
Other expenses	273	317	576	581
Total noninterest expenses	2,827	3,066	5,717	5,954
Income before income tax expense	412	448	883	880
Income tax expense	67	79	142	158
Net income	345	369	741	722
Net income available to common shareholders	$ 345	$ 369	$ 741	$ 722
Basic earnings per common share (in dollar per share)	$ 0.15	$ 0.16	$ 0.32	$ 0.31
Diluted earnings per common share	$ 0.15	$ 0.16	$ 0.32	$ 0.31

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Condensed Consolidated Statements of Comprehensive Income
Net income	$ 345	$ 369	$ 741	$ 722
Unrealized losses on securities available-for-sale:
Unrealized holding gains (losses) arising during the period	(3,145)	215	(5,390)	199
Reclassification adjustment for net losses included in net income		2		2
Net unrealized gains (losses) on securities available-for-sale	(3,145)	217	(5,390)	201
Defined benefit pension plan:
Reclassification of amortization of net losses recognized in net pension expense		28		57
Net change in defined benefit pension plan asset		28		57
Other comprehensive income (loss), before tax	(3,145)	245	(5,390)	258
Tax effect	661	(51)	1,132	(54)
Other comprehensive income (loss), net of tax	(2,484)	194	(4,258)	204
Total comprehensive income (loss)	$ (2,139)	$ 563	$ (3,517)	$ 926

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 Income (Loss)	Treasury Stock	Stock Held by Rabbi Trust	Unearned ESOP Share	Total
Beginning balance at Dec. 31, 2020	$ 26	$ 11,954	$ 20,256	$ (1,415)	$ (614)	$ (290)	$ (31)	$ 29,886
Increase (decrease) in stockholders' equity
Net income			722					722
Other comprehensive income (loss)				204				204
Purchase of common stock for Directors Retirement Plan						(337)		(337)
ESOP shares committed to be released							23	23
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
Ending balance at Jun. 30, 2021	26	24,491	20,978	(1,211)		(627)	(1,112)	42,545
Beginning balance at Mar. 31, 2021	26	24,468	20,609	(1,405)		(627)	(1,124)	41,947
Increase (decrease) in stockholders' equity
Net income			369					369
Other comprehensive income (loss)				194				194
ESOP shares committed to be released							12	12
Refund of offering costs		23						23
Ending balance at Jun. 30, 2021	26	24,491	20,978	(1,211)		(627)	(1,112)	42,545
Beginning balance at Dec. 31, 2021	26	24,494	21,669	(966)		(654)	(1,090)	43,479
Increase (decrease) in stockholders' equity
Net income			741					741
Other comprehensive income (loss)				(4,258)				(4,258)
Effect of stock repurchase plan	(1)	(805)	(134)					(940)
Stock-based compensation		23						23
Purchase of common stock for Directors Retirement Plan						(13)		(13)
Purchase of common stock for SERPs						(31)		(31)
ESOP shares committed to be released		4					23	27
Ending balance at Jun. 30, 2022	25	23,716	22,276	(5,224)		(698)	(1,067)	39,028
Beginning balance at Mar. 31, 2022	26	24,496	22,065	(2,740)		(654)	(1,078)	42,115
Increase (decrease) in stockholders' equity
Net income			345					345
Other comprehensive income (loss)				(2,484)				(2,484)
Effect of stock repurchase plan	(1)	(805)	(134)					(940)
Stock-based compensation		23						23
Purchase of common stock for Directors Retirement Plan						(13)		(13)
Purchase of common stock for SERPs						(31)		(31)
ESOP shares committed to be released		2					11	13
Ending balance at Jun. 30, 2022	$ 25	$ 23,716	$ 22,276	$ (5,224)		$ (698)	$ (1,067)	$ 39,028

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) $ in Thousands	6 Months Ended
	Jun. 30, 2021 USD ($) shares
Number of common stocks sold	1,477,575
Offering cost \| $	$ 1,650
Seneca-Cayuga Bancorp, Inc. (the "Holding Company")
Number of common stocks sold	109,450

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
OPERATING ACTIVITIES
Net income	$ 741	$ 722
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	300	270
Deferred income tax expense (benefit)	(1,003)	158
Realized losses on sales of:
Available-for-sale investment securities		2
Change in fair value on equity securities	51	(3)
Depreciation	469	523
Amortization of intangible asset	32	32
Amortization of fair value adjustment to purchased loan portfolio	(34)	(34)
ESOP expense	27	23
Stock-based compensation	23
Amortization of deferred loan costs	52	46
Earnings on bank-owned life insurance	(53)	(59)
Change in pension plan assets	(834)	(779)
Net amortization of premiums and discounts on investment securities	143	121
Net change in accrued interest receivable	87	(105)
Net change in other assets and liabilities	1,472	1,237
Net cash provided by operating activities	1,473	2,154
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(2,577)	(22,968)
Net proceeds from the redemption of Federal Home Loan Bank stock	233	309
Proceeds from maturities and principal reductions of:
Available-for-sale investment securities	1,112	2,721
Held-to-maturity investment securities	109	168
Proceeds from sale of:
Available-for-sale investment securities		2,011
Real estate and repossessed assets acquired	27	55
Premises and equipment		69
Net change in loans	(3,206)	(2,048)
Purchase of premises and equipment	(202)	(209)
Net cash used in investing activities	(4,504)	(19,892)
FINANCING ACTIVITIES
Net change in demand deposits, savings accounts, and money market accounts	2,120	2,313
Net change in time deposits	(2,615)	(1,398)
Payments on long-term borrowings	(3,532)	(5,550)
Repayment from subordinated debt offering		(1,235)
Purchase of common stock for directors retirement plan	(13)
Purchase of common stock of SERP	(31)
Net proceeds from stock offering and conversion		13,151
Effect of stock repurchase plan	(940)
Purchase of common stock for ESOP		(1,104)
Net cash provided by financing activities	(5,011)	6,177
Net change in cash and cash equivalents	(8,042)	(11,561)
Cash and cash equivalents at beginning of period	20,997	26,830
Cash and cash equivalents at end of period	12,955	15,269
Supplemental Cash Flows Information
Interest	699	912
Transfer of loans to foreclosed real estate and repossessed assets	$ 69	$ 38

Nature of Operations

Nature of Operations	6 Months Ended
Nature of Operations	Jun. 30, 2022
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”), which 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 federally chartered 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, in addition to seven full-service offices and one drive-through facility located Auburn, Farmington, Geneva, Medina, Phelps, Union Springs, and Waterloo, 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. Interim Financial Statements The interim condensed consolidated financial statements as of June 30, 2022, and for the three and six months ended June 30, 2022 and 2021, are unaudited and reflect all normal recurring adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. Such adjustments are the only adjustments contained in these unaudited consolidated financial statements. These unaudited condensed consolidated financial statements have been prepared according to the rules and regulations of the Securities and Exchange Commission, and therefore certain information and footnote disclosures normally included in the financial statements prepared in accordance with generally accepted accounting principles in the United States of America (“GAAP”) have been omitted. The results of operations for the three and six months ended June 30, 2022 are not necessarily indicative of the results to be achieved for the remainder of the year ending December 31, 2022, 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, 2021 included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021. 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, 2021.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	6 Months Ended
Accumulated Other Comprehensive Loss	Jun. 30, 2022
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Loss	2. Accumulated Other Comprehensive Loss The balances and changes in the components of accumulated other comprehensive loss, net of tax, are as follows: Unrealized Accumulated (Losses) Gains Defined Other Three Months Ended June 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, March 31, 2022 $ (1,559) $ (1,181) $ (2,740) Other comprehensive loss before reclassifications (2,484) — (2,484) Net current-period other comprehensive loss (2,484) — (2,484) Balance, June 30, 2022 $ (4,043) $ (1,181) $ (5,224) Balance, March 31, 2021 $ 710 $ (2,115) $ (1,405) Other comprehensive income before reclassifications 170 — 170 Amounts reclassified from AOCI to the income statement 2 22 24 Net current-period other comprehensive income 172 22 194 Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) Unrealized Accumulated (Losses) Gains Defined Other Six Months Ended June 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, January 1, 2022 $ 215 $ (1,181) $ (966) Other comprehensive loss before reclassifications (4,258) — (4,258) Net current-period other comprehensive loss (4,258) — (4,258) Balance, June 30, 2022 $ (4,043) $ (1,181) $ (5,224) Balance, January 1, 2021 $ 723 $ (2,138) $ (1,415) Other comprehensive income before reclassifications 157 — 157 Amounts reclassified from AOCI to the income statement 2 45 47 Net current-period other comprehensive income 159 45 204 Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss: Three months ended June 30, Six months ended June 30, Affected Line Item in the (In thousands) 2022 2021 2022 2021 Statement of Income Available-for-sale securities: Realized loss on sale of securities $ — $ (2) $ — $ (2) Net loss on sale of securities $ — $ (2) $ — $ (2) Net income Defined benefit pension plan: Retirement plan net losses recognized in net periodic pension cost $ — $ 28 $ — $ 57 Compensation and benefits Tax effect — (6) — (12) Income tax expense $ — $ 22 $ — $ 45 Net income

Earnings Per Common Share

Earnings Per Common Share	6 Months Ended
Earnings Per Common Share	Jun. 30, 2022
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. Diluted earnings per share is calculated in a manner similar to that of basic earnings per share except that the weighted-average number of common shares outstanding is increased to include the number of incremental common shares that would have been outstanding under the treasury stock method if all potentially dilutive common shares (such as stock options) issued became vested during the period. Based on the calculation, there was no impact on earnings per share as the stock options were considered anti-dilutive for the three and six months ended June 30, 2022. On March 28, 2022, the Board of Directors authorized a stock repurchase program to repurchase approximately 83,300 shares, or approximately 3.4%, of the Company’s outstanding common stock. On May 19, 2022, the 2022 Equity Incentive Plan (the “Plan”) which include initial grants of restricted stock and stock options to outside directors, was approved by the Company’s stockholders. On June 14, 2022, the Board of Directors of the Company approved restricted stock and stock option grants to senior management. An aggregate of 132,977 stock options and 53,191 shares of restricted stock were granted to directors and senior management during the period ended June 30, 2022. The grants to directors and senior management vest over a five-year period in equal annual installments, with the first installment vesting on the first anniversary date of the grant and succeeding installments on each anniversary thereafter, through 2027. Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating basic earnings per common share until they are committed to be released. The following tables set forth the calculation of basic and diluted earnings per share. Three Months Ended June 30, (In thousands, except per share data) 2022 2021 Net income available to common stockholders $ 345 $ 369 Weighted-average common shares outstanding 2,333 2,347 Earnings per common share - basic and diluted $ 0.15 $ 0.16 Six Months Ended June 30, (In thousands, except per share data) 2022 2021 Net income available to common stockholders $ 741 $ 722 Weighted-average common shares outstanding 2,342 2,354 Earnings per common share - basic and diluted $ 0.32 $ 0.31

Securities

Securities	6 Months Ended
Securities	Jun. 30, 2022
Securities
Securities	4. Securities Investments in securities available-for-sale, held-to-maturity, and equity are summarized as follows: At June 30, 2022 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and Government Sponsored Enterprise ("GSE") $ 28 $ — $ (1) $ 27 Corporate bonds 20,953 — (3,226) 17,727 State and political subdivisions 17,047 5 (1,896) 15,156 Total securities available-for-sale $ 38,028 $ 5 $ (5,123) $ 32,910 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,016 $ 4 $ (16) $ 1,004 Total securities held-to-maturity $ 1,016 $ 4 $ (16) $ 1,004 Equity securities: Large cap equity mutual fund $ 37 $ 37 Other mutual funds 262 262 Total of equity securities $ 299 $ 299 At December 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 33 $ 1 $ (1) $ 33 Corporate bonds 18,589 266 (812) 18,043 State and political subdivisions 18,081 887 (69) 18,899 Total securities available-for-sale $ 36,703 $ 1,154 $ (882) $ 36,975 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,128 $ 25 $ (3) $ 1,150 Total securities held-to-maturity $ 1,128 $ 25 $ (3) $ 1,150 Equity securities: Large cap equity mutual fund $ 45 $ 45 Other mutual funds 305 305 Total of equity securities $ 350 $ 350 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: At June 30, 2022 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 $ — $ — $ 21 $ (1) $ 21 $ (1) Corporate bonds 16,459 (2,725) 1,045 (501) 17,504 (3,226) State and political subdivisions 10,729 (1,230) 3,609 (666) 14,338 (1,896) Total securities available-for-sale $ 27,188 $ (3,955) $ 4,675 $ (1,168) $ 31,863 $ (5,123) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 363 $ (11) $ 230 $ (5) $ 593 $ (16) Total securities held-to-maturity $ 363 $ (11) $ 230 $ (5) $ 593 $ (16) At December 31, 2021 12 Months or Less More than 12 Months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ — $ — $ 23 $ (1) $ 23 $ (1) Corporate bonds 9,925 (812) — — 9,925 (812) State and political subdivisions 4,774 (69) — — 4,774 (69) Total securities available-for-sale $ 14,699 $ (881) $ 23 $ (1) $ 14,722 $ (882) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ — $ — $ 156 $ (3) $ 156 $ (3) Total securities held-to-maturity $ — $ — $ 156 $ (3) $ 156 $ (3) 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 income on a gross basis, including both the portion recognized in earnings as well as the portion recorded in other comprehensive income. Sixteen government agency and government sponsored enterprise (“GSE”) residential mortgage-backed security holdings have an unrealized loss as of June 30, 2022. 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 $4,700 or less. There are 105 bond issues held by the Bank that have an unrealized loss as of June 30, 2022. 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. Within this portfolio are seven bonds issued by corporate entities that have an aggregate loss of $1.9 million. These bonds have variable rates and reprice based upon the spread between intermediate Treasury bond yields and long-term Treasury bond yields and will respond positively with the steepening of the Treasury yield curve. We anticipate full recovery of our investment over time and have no plans to sell the securities in the near term. Market values of the securities fluctuate in reaction to the uncertainty of the economy. Principal and interest continue to be received on all securities as anticipated. The Company has the ability and intent to hold the securities through maturity or recovery of its amortized cost basis. With the government guarantees in place, management does not expect losses on these securities. No OTTI is deemed present on these securities. The following is a summary of the amortized cost and estimated fair values of debt securities at June 30, 2022, 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. At June 30, 2022 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 $ 433 $ 428 $ — $ — Due over one year through five years 3,089 2,983 — — Due over five through ten years 4,329 3,655 — — Due after ten years 30,149 25,817 — — 38,000 32,883 — — Residential mortgage-backed securities 28 27 1,016 1,004 Total $ 38,028 $ 32,910 $ 1,016 $ 1,004 There were no gross realized gains or losses on sales and redemptions of available-for-sale securities for the three and six months ended June 30, 2022. There were no gross realized gains and $2,000 in losses on sales and redemptions of available-for-sale securities for the three and six months ended June 30, 2021. 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 $7,772,896 and $8,775,255 were pledged to collateralize certain deposit arrangements at June 30, 2022 and December 31, 2021 respectively.

Loans Receivable

Loans Receivable	6 Months Ended
Loans Receivable	Jun. 30, 2022
Loans Receivable
Loans Receivable	5. Loans Receivable Major classifications of loans are as follows: At June 30, At December 31, (In thousands) 2022 2021 Originated Loans: Residential mortgages: One- to four-family $ 109,047 $ 102,766 109,047 102,766 Commercial loans: Real estate - nonresidential 16,174 19,734 Multi-family 449 456 Commercial business 11,287 12,366 27,910 32,556 Consumer: Home equity and junior liens 10,118 8,840 Manufactured homes 49,247 47,717 Automobile 22,569 22,666 Student 2,042 2,096 Recreational vehicle 28,059 29,463 Other consumer 6,749 5,408 118,784 116,190 Total originated loans 255,741 251,512 Net deferred loan costs 15,742 15,650 Less allowance for loan losses (2,188) (1,841) Net originated loans $ 269,295 $ 265,321 At June 30, At December 31, (In thousands) 2022 2021 Acquired Loans: Residential mortgages: One- to four-family $ 9,407 $ 10,295 9,407 10,295 Commercial loans: Real estate - nonresidential 1,655 1,744 Commercial business 118 162 1,773 1,906 Consumer: Home equity and junior liens 711 861 Other consumer 62 84 773 945 Total acquired loans 11,953 13,146 Net deferred loan costs (57) (60) Fair value credit and yield adjustment (252) (287) Net acquired loans $ 11,644 $ 12,799 At June 30, At December 31, (In thousands) 2022 2021 Total Loans: Residential mortgages: One- to four-family $ 118,454 $ 113,061 118,454 113,061 Commercial loans: Real estate - nonresidential 17,829 21,478 Multi-family 449 456 Commercial business 11,405 12,528 29,683 34,462 Consumer: Home equity and junior liens 10,829 9,701 Manufactured homes 49,247 47,717 Automobile 22,569 22,666 Student 2,042 2,096 Recreational vehicle 28,059 29,463 Other consumer 6,811 5,492 119,557 117,135 Total Loans 267,694 264,658 Net deferred loan costs 15,685 15,590 Fair value credit and yield adjustment (252) (287) Less allowance for loan losses (2,188) (1,841) Loans receivable, net $ 280,939 $ 278,120 The Company grants residential mortgage, commercial, and consumer loans to customers, principally located in the Finger Lakes Region of New York State and extending north to Orleans County. 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. Risk ratings are also reviewed when 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: At June 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 105,685 $ 1,043 $ 2,319 $ — $ 109,047 105,685 1,043 2,319 — 109,047 Commercial loans: Real estate - nonresidential 13,684 354 2,136 — 16,174 Multi-family 449 — — — 449 Commercial business 8,006 2,420 861 — 11,287 22,139 2,774 2,997 — 27,910 Consumer: Home equity and junior liens 9,986 50 82 — 10,118 Manufactured homes 48,893 239 115 — 49,247 Automobile 22,406 84 79 — 22,569 Student 1,948 — 94 — 2,042 Recreational vehicle 27,971 17 71 — 28,059 Other consumer 6,698 51 — — 6,749 117,902 441 441 — 118,784 Total originated loans $ 245,726 $ 4,258 $ 5,757 $ — $ 255,741 At June 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 9,173 $ 37 $ 197 $ — $ 9,407 9,173 37 197 — 9,407 Commercial loans: Real estate - nonresidential 1,655 — — — 1,655 Commercial business 118 — — — 118 1,773 — — — 1,773 Consumer: Home equity and junior liens 676 35 — — 711 Other consumer 62 — — — 62 738 35 — — 773 Total acquired loans $ 11,684 $ 72 $ 197 $ — $ 11,953 At June 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 114,858 $ 1,080 $ 2,516 $ — $ 118,454 114,858 1,080 2,516 — 118,454 Commercial loans: Real estate - nonresidential 15,339 354 2,136 — 17,829 Multi-family 449 — — — 449 Commercial business 8,124 2,420 861 — 11,405 23,912 2,774 2,997 — 29,683 Consumer: Home equity and junior liens 10,662 85 82 — 10,829 Manufactured homes 48,893 239 115 — 49,247 Automobile 22,406 84 79 — 22,569 Student 1,948 — 94 — 2,042 Recreational vehicle 27,971 17 71 — 28,059 Other consumer 6,760 51 — — 6,811 118,640 476 441 — 119,557 Total loans $ 257,410 $ 4,330 $ 5,954 $ — $ 267,694 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 99,294 $ 1,110 $ 2,362 $ — $ 102,766 99,294 1,110 2,362 — 102,766 Commercial loans: Real estate - nonresidential 14,464 3,045 2,225 — 19,734 Multi-family 456 — — — 456 Commercial business 10,256 1,112 998 — 12,366 25,176 4,157 3,223 — 32,556 Consumer: Home equity and junior liens 8,753 41 46 — 8,840 Manufactured homes 47,717 — — — 47,717 Automobile 22,558 64 44 — 22,666 Student 2,096 — — — 2,096 Recreational vehicle 29,424 39 — — 29,463 Other consumer 5,376 32 — — 5,408 115,924 176 90 — 116,190 Total originated loans $ 240,394 $ 5,443 $ 5,675 $ — $ 251,512 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 10,038 $ 42 $ 215 $ — $ 10,295 10,038 42 215 — 10,295 Commercial loans: Real estate - nonresidential 1,744 — — — 1,744 Commercial business 162 — — — 162 1,906 — — — 1,906 Consumer: Home equity and junior liens 841 — 20 — 861 Other consumer 84 — — — 84 925 — 20 — 945 Total acquired loans $ 12,869 $ 42 $ 235 $ — $ 13,146 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 109,332 $ 1,152 $ 2,577 $ — $ 113,061 109,332 1,152 2,577 — 113,061 Commercial loans: Real estate - nonresidential 16,208 3,045 2,225 — 21,478 Multi-family 456 — — — 456 Commercial business 10,418 1,112 998 — 12,528 27,082 4,157 3,223 — 34,462 Consumer: Home equity and junior liens 9,594 41 66 — 9,701 Manufactured homes 47,717 — — — 47,717 Automobile 22,558 64 44 — 22,666 Student 2,096 — — — 2,096 Recreational vehicle 29,424 39 — — 29,463 Other consumer 5,460 32 — — 5,492 116,849 176 110 — 117,135 Total loans $ 253,263 $ 5,485 $ 5,910 $ — $ 264,658 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 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: At June 30, 2022 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 $ 2,884 $ 806 $ 2,108 $ 5,798 $ 103,249 $ 109,047 2,884 806 2,108 5,798 103,249 109,047 Commercial loans: Real estate - nonresidential — — 416 416 15,758 16,174 Multi-family — — — — 449 449 Commercial business — 50 118 168 11,119 11,287 — 50 534 584 27,326 27,910 Consumer loans: Home equity and junior liens 74 19 82 175 9,943 10,118 Manufactured homes 640 239 115 994 48,253 49,247 Automobile 145 84 79 308 22,261 22,569 Student — — 94 94 1,948 2,042 Recreational vehicle 675 17 71 763 27,296 28,059 Other consumer 90 51 — 141 6,608 6,749 1,624 410 441 2,475 116,309 118,784 Total originated loans $ 4,508 $ 1,266 $ 3,083 $ 8,857 $ 246,884 $ 255,741 At June 30, 2022 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 $ 149 $ 72 $ 197 $ 418 $ 8,989 $ 9,407 149 72 197 418 8,989 9,407 Commercial loans: Real estate - nonresidential — — — — 1,655 1,655 Commercial business — — — — 118 118 — — — — 1,773 1,773 Consumer loans: Home equity and junior liens — 35 — 35 676 711 Other consumer — — — — 62 62 — 35 — 35 738 773 Total acquired loans $ 149 $ 107 $ 197 $ 453 $ 11,500 $ 11,953 At June 30, 2022 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: Residential mortgage loans: One- to four-family $ 3,033 $ 878 $ 2,305 $ 6,216 $ 112,238 $ 118,454 3,033 878 2,305 6,216 112,238 118,454 Commercial loans: Real estate - nonresidential — — 416 416 17,413 17,829 Multi-family — — — — 449 449 Commercial business — 50 118 168 11,237 11,405 — 50 534 584 29,099 29,683 Consumer loans: Home equity and junior liens 74 54 82 210 10,619 10,829 Manufactured homes 640 239 115 994 48,253 49,247 Automobile 145 84 79 308 22,261 22,569 Student — — 94 94 1,948 2,042 Recreational vehicle 675 17 71 763 27,296 28,059 Other consumer 90 51 — 141 6,670 6,811 1,624 445 441 2,510 117,047 119,557 Total loans $ 4,657 $ 1,373 $ 3,280 $ 9,310 $ 258,384 $ 267,694 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans: Residential mortgage loans: One- to four-family $ 3,137 $ 757 $ 2,362 $ 6,256 $ 96,510 $ 102,766 3,137 757 2,362 6,256 96,510 102,766 Commercial loans: Real estate - nonresidential 389 — 416 805 18,929 19,734 Multi-family — — — — 456 456 Commercial business — 8 161 169 12,197 12,366 389 8 577 974 31,582 32,556 Consumer loans: Home equity and junior liens 149 31 46 226 8,614 8,840 Manufactured homes 922 615 — 1,537 46,180 47,717 Automobile 168 64 44 276 22,390 22,666 Student 95 — — 95 2,001 2,096 Recreational vehicle 605 39 — 644 28,819 29,463 Other consumer 75 32 — 107 5,301 5,408 2,014 781 90 2,885 113,305 116,190 Total originated loans $ 5,540 $ 1,546 $ 3,029 $ 10,115 $ 241,397 $ 251,512 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans: Residential mortgage loans: One- to four-family $ 318 $ 68 $ 215 $ 601 $ 9,694 $ 10,295 318 68 215 601 9,694 10,295 Commercial loans: Real estate - nonresidential — — — — 1,744 1,744 Commercial business 27 — — 27 135 162 27 — — 27 1,879 1,906 Consumer loans: Home equity and junior liens — — 20 20 841 861 Other consumer — — — — 84 84 — — 20 20 925 945 Total acquired loans $ 345 $ 68 $ 235 $ 648 $ 12,498 $ 13,146 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: Residential mortgage loans: One- to four-family $ 3,455 $ 825 $ 2,577 $ 6,857 $ 106,204 $ 113,061 3,455 825 2,577 6,857 106,204 113,061 Commercial loans: Real estate - nonresidential 389 — 416 805 20,673 21,478 Multi-family — — — — 456 456 Commercial business 27 8 161 196 12,332 12,528 416 8 577 1,001 33,461 34,462 Consumer loans: Home equity and junior liens 149 31 66 246 9,455 9,701 Manufactured homes 922 615 — 1,537 46,180 47,717 Automobile 168 64 44 276 22,390 22,666 Student 95 — — 95 2,001 2,096 Recreational vehicle 605 39 — 644 28,819 29,463 Other consumer 75 32 — 107 5,385 5,492 2,014 781 110 2,905 114,230 117,135 Total loans $ 5,885 $ 1,614 $ 3,264 $ 10,763 $ 253,895 $ 264,658 Non-accrual loans, segregated by class of loan, were as follows: At June 30, At December 31, (In thousands) 2022 2021 Residential mortgage loans: One- to four-family $ 2,305 $ 2,577 2,305 2,577 Commercial loans: Real estate - nonresidential 416 416 Commercial business 118 161 534 577 Consumer loans: Home equity and junior liens 82 46 Manufactured homes 115 — Automobile 79 44 Student 94 — Recreational vehicle 71 — 441 110 Total non-accrual loans $ 3,280 $ 3,264 There were no loans past due more than ninety days and still accruing interest at June 30, 2022 and December 31, 2021. 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. There were no loans that had been modified as a TDR during the three and six months ended June 30, 2022 and for the three months ended June 30, 2021. There were seven loans that had been modified as a TDR during the six months ended June 30, 2021. During the six months ended June 30, 2022 and 2021, there were no defaults on TDRs that were modified within the twelve months prior to the default date. A default for these purposes is defined as a loan that reaches 90 days past due. The table below details loans that have been modified as a troubled debt restructuring for the six months ended June 30, 2021. Six Months Ended June 30, 2021 Post- Pre-Modification Modification Current Outstanding Outstanding Outstanding Number of Recorded Recorded Recorded Contracts Investment Investment Investment One- to four-family residential mortgages 4 $ 336 $ 336 $ — Commercial business 3 46 46 — The TDR loans that were modified during the six months ended June 30, 2021 paid off during the three months ended June 30, 2022. At June 30 2022, there were nine TDR 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. There were two TDRs totaling $14,000 in non-accrual status due to delinquency greater than 90 days. All other TDR loans continue to accrue interest. At December 31, 2021, the Company had 15 TDR loans with an outstanding balance of $3.0 million in the portfolio. 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: At June 30, 2022 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,445 $ 2,525 $ — Commercial real estate - nonresidential 416 516 — Commercial business 113 126 — Home equity and junior liens 82 82 — With an allowance recorded: One- to four-family residential mortgages 72 72 1 Total: One- to four-family residential mortgages 2,517 2,597 1 Commercial real estate - nonresidential 416 516 — Commercial business 113 126 — Home equity and junior liens 82 82 — $ 3,128 $ 3,321 $ 1 At December 31, 2021 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,352 $ 2,423 $ — Commercial real estate - nonresidential 416 516 — Commercial business 73 73 — Home equity and junior liens 67 67 — With an allowance recorded: One- to four-family residential mortgages 224 224 7 Commercial business 55 55 12 Total: One- to four-family residential mortgages 2,576 2,647 7 Commercial real estate - nonresidential 416 516 — Commercial business 128 128 12 Home equity and junior liens 67 67 — $ 3,187 $ 3,358 $ 19 The following table presents the average recorded investment in impaired loans: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2022 2021 2022 2021 One- to four-family residential mortgages $ 2,518 $ 2,737 $ 2,527 $ 2,750 Commercial real estate - nonresidential 416 1,217 416 1,218 Commercial business 114 509 121 519 Home equity and junior liens 82 139 82 140 Other consumer — 3 — 3 3,130 $ 4,605 3,146 $ 4,630 The following table presents interest income recognized on impaired loans: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2022 2021 2022 2021 One- to four-family residential mortgages $ 13 $ 20 $ 31 $ 44 Commercial real estate - nonresidential — 10 — 10 Commercial business — 1 1 2 $ 13 $ 31 $ 32 $ 56 Income recognized on a cash basis was not materially different than interest income recognized on an accrual basis for the periods.

Allowance for Loan Loss

Allowance for Loan Loss	6 Months Ended
Allowance for Loan Loss	Jun. 30, 2022
Allowance for Loan Loss
Allowance for Loan Loss	6. Allowance for Loan Loss Changes in the allowance for loan losses and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class are summarized as follows: Three Months Ended June 30, 2022 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 $ 739 $ — $ 644 $ 3 $ — $ 209 Charge-offs (26) — — — — (12) Recoveries 1 — — — — — Provision (credit) for loan losses (24) — (128) (1) — 43 Ending balance $ 690 $ — $ 516 $ 2 $ — $ 240 Three Months Ended June 30, 2022 (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 $ 43 $ 116 $ 107 $ 64 $ — $ 49 $ — $ 1,974 Charge-offs — — — — — — — (38) Recoveries — — 99 — — 2 — 102 Provision (credit) for loan losses 6 (12) (80) (2) 347 1 — 150 Ending balance $ 49 $ 104 $ 126 $ 62 $ 347 $ 52 $ — $ 2,188 Three Months Ended June 30, 2021 One- to four- Construction Commercial Commercial family residential real estate real estate Construction Commercial (In thousands) residential mortgage nonresidential multi-family commercial business Allowance for loan losses: Beginning Balance $ 540 $ — $ 388 $ 11 $ — $ 530 Charge-offs (74) — — — — — Recoveries 1 — 16 6 — — Provision (credit) for loan losses 144 — (28) (15) — 33 Ending balance $ 611 $ — $ 376 $ 2 $ — $ 563 Three Months Ended June 30, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 48 $ 81 $ 137 $ 71 $ — $ 75 $ — $ 1,881 Charge-offs — — (4) — — (3) — (81) Recoveries — — 15 — — 3 — 41 Provision (credit) for loan losses (2) 1 (5) (2) — 9 — 135 Ending balance $ 46 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Six Months Ended June 30, 2022 One- to four- Construction family residential Real estate Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: Beginning balance $ 688 $ — $ 630 $ 2 $ — $ 161 Charge-offs (36) — — — — (12) Recoveries 16 — — — — — Provision (credit) for loan losses 22 — (114) — — 91 Ending balance $ 690 $ — $ 516 $ 2 $ — $ 240 Ending balance: related to loans individually evaluated for impairment $ 1 $ — $ — $ — $ — $ — Ending balance: related to loans collectively evaluated for impairment $ 689 $ — $ 516 $ 2 $ — $ 240 Loans receivable: Ending balance $ 118,454 $ — $ 17,829 $ 449 $ — $ 11,405 Ending balance: individually evaluated for impairment $ 2,517 $ — $ 416 $ — $ — $ 113 Ending balance: collectively evaluated for impairment $ 115,937 $ — $ 17,413 $ 449 $ — $ 11,292 Six Months Ended June 30, 2022 (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 $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,841 Charge-offs — — (40) — — — — (88) Recoveries — — 116 1 — 2 — 135 Provision (credit) for loan losses 10 2 (57) (3) 347 2 — 300 Ending balance $ 49 $ 104 $ 126 $ 62 $ 347 $ 52 $ — $ 2,188 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ 1 Ending balance: related to loans collectively evaluated for impairment $ 49 $ 104 $ 126 $ 62 $ 347 $ 52 $ — $ 2,187 Loans receivable: Ending balance $ 10,829 $ 49,247 $ 22,569 $ 2,042 $ 28,059 $ 6,811 $ — $ 267,694 Ending balance: individually evaluated for impairment $ 82 $ — $ — $ — $ — $ — $ — $ 3,128 Ending balance: collectively evaluated for impairment $ 10,747 $ 49,247 $ 22,569 $ 2,042 $ 28,059 $ 6,811 $ — $ 264,566 Six Months Ended June 30, 2021 One- to four- Construction family residential Real estate Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: Beginning balance $ 457 $ — $ 319 $ 26 $ — $ 617 Charge-offs (77) — (51) — — (17) Recoveries 2 — 16 12 — 7 Provision (credit) for loan losses 229 — 92 (36) — (44) Ending balance $ 611 $ — $ 376 $ 2 $ — $ 563 Ending balance: related to loans individually evaluated for impairment $ 15 $ — $ — $ — $ — $ 194 Ending balance: related to loans collectively evaluated for impairment $ 596 $ — $ 376 $ 2 $ — $ 369 Loans receivable: Ending balance $ 119,557 $ — $ 22,677 $ 405 $ — $ 18,564 Ending balance: individually evaluated for impairment $ 2,613 $ — $ 862 $ — $ — $ 502 Ending balance: collectively evaluated for impairment $ 116,944 $ — $ 21,815 $ 405 $ — $ 18,062 Six Months Ended June 30, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Charge-offs (2) — (6) — — (36) — (189) Recoveries — — 25 1 7 4 — 74 Provision (credit) for loan losses 2 6 (3) (1) (7) 32 — 270 Ending balance $ 46 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ 2 $ — $ 211 Ending balance: related to loans collectively evaluated for impairment $ 46 $ 82 $ 143 $ 69 $ — $ 82 $ — $ 1,765 Loans receivable: Ending balance $ 9,896 $ 48,055 $ 22,964 $ 2,258 $ 25,291 $ 5,169 $ — $ 274,836 Ending balance: individually evaluated for impairment $ 139 $ — $ — $ — $ — $ 3 $ — $ 4,119 Ending balance: collectively evaluated for impairment $ 9,757 $ 48,055 $ 22,964 $ 2,258 $ 25,291 $ 5,166 $ — $ 270,717 Year Ended December 31, 2021 One- to four- Construction family residential 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) — (386) — — (84) Recoveries 28 — 16 12 — 7 Provision (credit) for loan losses 320 — 681 (36) — (379) Ending balance $ 688 $ — $ 630 $ 2 $ — $ 161 Ending balance: related to loans individually evaluated for impairment $ 7 $ — $ — $ — $ — $ 12 Ending balance: related to loans collectively evaluated for impairment $ 681 $ — $ 630 $ 2 $ — $ 149 Loans receivable: Ending balance $ 113,061 $ — $ 21,478 $ 456 $ — $ 12,528 Ending balance: individually evaluated for impairment $ 2,576 $ — $ 416 $ — $ — $ 128 Ending balance: collectively evaluated for impairment $ 110,485 $ — $ 21,062 $ 456 $ — $ 12,400 Year Ended December 31, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Charge-offs (2) — (12) — (1) (45) — (647) Recoveries — — 48 3 8 5 — 127 Provision (credit) for loan losses (5) 26 (56) (8) (7) 4 — 540 Ending balance $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,841 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ 19 Ending balance: related to loans collectively evaluated for impairment $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,822 Loans receivable: Ending balance $ 9,701 $ 47,717 $ 22,666 $ 2,096 $ 29,463 $ 5,492 $ — $ 264,658 Ending balance: individually evaluated for impairment $ 67 $ — $ — $ — $ — $ — $ — $ 3,187 Ending balance: collectively evaluated for impairment $ 9,634 $ 47,717 $ 22,666 $ 2,096 $ 29,463 $ 5,492 $ — $ 261,471 The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the consolidated statement of financial condition date and is recorded as a reduction of loans. The allowance for loan losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable is charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Consumer loans not secured by residential real estate are generally charged off no later than 90 days past due on a contractual basis, earlier in the event of bankruptcy, or if there is an amount deemed uncollectible. Because all identified losses are immediately charged off, no portion of the allowance for loan losses is restricted to any individual loan or groups of loans, and the entire allowance is available to absorb any and all loan losses. The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying amount of that loan. The general component covers pools of loans by loan class including commercial loans not considered impaired, automobile loans identified in pools by product and underwriting standards, as well as smaller balance homogeneous consumer loans. These pools of loans are evaluated for loss exposure based upon historical loss rates for each of these categories of loans, adjusted for qualitative risk factors. These qualitative risk factors include: ● Asset quality trends ● The trend in loan growth and portfolio mix ● Regional and local economic conditions ● Historical loan loss experience ● Underlying credit quality Each factor is assigned a value to reflect improving, stable, or declining conditions based on management's best judgment using relevant information available at the time of the evaluation. The risk characteristics within the loan portfolio vary depending on the loan segment. Consumer loans generally are repaid from personal sources of income. Risks associated with consumer loans primarily include general economic risks such as declines in the local economy creating higher rates of unemployment. Those conditions may also lead to a decline in collateral values should the Company be required to repossess the collateral securing consumer loans. These economic risks also impact the commercial loan segment, however, commercial loans are considered to have greater risk than consumer loans as the primary source of repayment is from the cash flow of the business customer. Loans secured by real estate provide the best collateral protection and thus significantly reduce the inherent risk in the portfolio.

Employee Benefit Plans

Employee Benefit Plans	6 Months Ended
Employee Benefit Plans	Jun. 30, 2022
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’ net periodic pension benefit: Generations Bank Plan: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2022 2021 2022 2021 Net periodic expenses recognized in income: Service cost $ 108 $ 114 $ 216 $ 229 Interest cost 103 105 205 210 Expected return on plan assets (384) (370) (768) (740) Amortization of net losses — 29 — 57 Net periodic pension benefit $ (173) $ (122) $ (347) $ (244) Medina Savings and Loan Plan: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2022 2021 2022 2021 Net periodic expenses recognized in income: Service cost $ 8 $ 7 $ 16 $ 15 Interest cost 27 33 55 65 Expected return on plan assets (115) (116) (230) (232) Net periodic pension benefit $ (80) $ (76) $ (159) $ (152)

Stock-Based Compensation

Stock-Based Compensation	6 Months Ended
Stock-Based Compensation	Jun. 30, 2022
Stock-Based Compensation
Stock-Based Compensation	8. Stock-Based Compensation A summary of the Company’s stock option activity and Three Months Ended June 30, 2022 Weighted Average Exercise Price Per Options Share Outstanding at beginning of year — $ — Grants 132,977 11.61 Exercised — — Outstanding at quarter end 132,977 $ 11.61 Exercisable at quarter end — $ — Six Months Ended June 30, 2022 Weighted Average Exercise Price Per Options Share Outstanding at beginning of year — $ — Grants 132,977 11.61 Exercised — — Outstanding at quarter end 132,977 $ 11.61 Exercisable at quarter end — $ — There were no stock options granted for the three and six month periods ended June 30, 2021. The grants The compensation expense of the awards is based on the fair value of the instruments on the date of grant. The Company recorded compensation expense in the amount of $11,000 for the three and six months ended June 30, 2022. An aggregate of 53,191 shares of restricted stock were granted to directors and senior management during the period ended June 30, 2022. These shares of restricted stock vest in the same manner as the stock options described above. The Company recorded compensation expense in the amount of $12,000 for the three and six months ended June 30, 2022.

Regulatory Capital

Regulatory Capital	6 Months Ended
Regulatory Capital	Jun. 30, 2022
Regulatory Capital
Regulatory Capital	9. 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). Under applicable regulation, the Bank must hold a 2.50% capital conservation buffer above the adequately capitalized risk-based capital ratios. The net unrealized gain or loss on available-for-sale securities is not included in computing regulatory capital. Management believes as of June 30, 2022 and December 31, 2021, the Bank meets all capital adequacy requirements to which it is subject. The Bank’s actual capital amounts and ratios are as follows: Minimum To Be "Well- Minimum Capitalized" For Capital Under Prompt Actual Adequacy Purposes Corrective Provisions (in thousands) Amount Ratio Amount Ratio Amount Ratio As of June 30, 2022 Common Equity Tier 1 Capital $ 40,775 14.45 % $ 12,697 4.50 % $ 18,340 6.50 % Total Capital (to Risk-Weighted Assets) $ 42,963 15.23 % $ 22,572 8.00 % $ 28,216 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 40,775 14.45 % $ 16,929 6.00 % $ 22,572 8.00 % Tier 1 Capital (to Total Adjusted Assets) $ 40,775 11.02 % $ 14,801 4.00 % $ 18,501 5.00 % As of December 31, 2021: Common Equity Tier 1 Capital $ 41,287 14.82 % $ 12,534 4.50 % $ 18,104 6.50 % Total Capital (to Risk-Weighted Assets) $ 43,128 15.48 % $ 22,282 8.00 % $ 27,853 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 41,287 14.82 % $ 16,712 6.00 % $ 22,282 8.00 % Tier 1 Capital (to Total Adjusted Assets) $ 41,287 10.99 % $ 15,034 4.00 % $ 18,792 5.00 % The Company’s goal is to maintain a strong capital position, consistent with the risk profile of its subsidiary bank that supports growth and expansion activities while at the same time exceeding regulatory standards. At June 30, 2022 and December 31, 2021, 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 5.00%, 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 10.00%. 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 8.00% and a total capital ratio of 12.00%. The individual minimum capital ratios will remain in effect until terminated, modified, or suspended in writing by the OCC.

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
Commitments and Contingencies	Jun. 30, 2022
Commitments and Contingencies
Commitments and Contingencies	10. Commitments and Contingencies Credit Commitments The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit, which involve, to varying degrees, elements of credit, interest rate, or liquidity risk in excess of the amount recognized in the consolidated statements of financial condition. The Bank’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amounts of those instruments. The Bank has experienced minimal credit losses to date on its financial instruments with off-balance sheet risk and management does not anticipate any significant losses on its commitments to extend credit outstanding at June 30, 2022. Financial instruments whose contract amounts represent credit risk consist of the following: At June 30, At December 31, (In thousands) 2022 2021 Commitments to grant loans $ 9,771 $ 3,524 Unfunded commitments under lines of credit 18,834 15,568 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitment amounts are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counter party. Collateral held varies but may include residential real estate and income-producing commercial properties. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at June 30, 2022 with fixed interest rates amounted to approximately $11.6 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at June 30, 2022 with variable interest rates amounted to approximately $17.0 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2021 with fixed interest rates amounted to approximately $3.8 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2021 with variable interest rates amounted to approximately $15.3 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 $9.2 million at June 30, 2022. 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 $707,000 at June 30, 2022. 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 was $90,000 at June 30, 2022. 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 $0 and $19,000 for the six-month periods ended June 30, 2022 and 2021, respectively, and $19,000 for the year ending December 31, 2021. There are no future minimum lease commitments at June 30, 2022.

Revenue from Contracts with Cus

Revenue from Contracts with Customers	6 Months Ended
Revenue from Contracts with Customers	Jun. 30, 2022
Revenue from Contracts with Customers
Revenue from Contracts with Customers	11. 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 June 30, Six Months Ended June 30, (In thousands) 2022 2021 2022 2021 Service charges on deposit accounts $ 158 $ 131 $ 308 $ 266 Debit card interchange and surcharge income 194 232 382 443 Insurance commissions 101 201 298 375 Loan servicing fees 72 33 107 59 $ 525 $ 597 $ 1,095 $ 1,143 Service charges on deposit accounts Debit card interchange and surcharge income Insurance commissions Loan servicing fees

Fair Value Disclosures

Fair Value Disclosures	6 Months Ended
Fair Value Disclosures	Jun. 30, 2022
Fair Value Disclosures
Fair Value Disclosures	12. Fair Value Disclosures Management uses its best judgment in estimating the fair value of the Company’s financial assets and liabilities; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial assets and liabilities, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective reporting dates and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial assets and liabilities subsequent to the respective reporting dates may be different from the amounts reported at each reporting date. The Company uses fair value measurements to record fair value adjustments to certain financial assets and liabilities and to determine fair value disclosures. The fair value of a financial asset or liability is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in some instances, there may be no quoted market prices for the Company’s various financial assets and liabilities. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the financial asset or liability. Fair value measurement guidance established a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy are as follows: Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date of identical, unrestricted assets or liabilities. Level 2: Quoted prices in markets that are not active, or inputs that are observable directly or indirectly, for substantially the full term of the asset or liability. Level 3: Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported with little or no market activity). An asset or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. There have been no changes in valuation techniques during the periods ended June 30, 2022 and December 31, 2021. The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparison between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Company’s assets and liabilities at June 30, 2022 and December 31, 2021. Cash and due from banks Interest-earning deposits Investment securities Sensitivity of significant unobservable inputs Municipal bonds Federal Home Loan Bank (“FHLB”) stock Loans receivable Impaired loans Deposits Accrued interest Long-term borrowings The following table presents a comparison of the carrying amount and estimated fair value of the Company’s financial instruments: At June 30, 2022 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 12,955 $ 12,955 $ — $ — $ 12,955 Interest-bearing time deposits in banks 650 — 650 — 650 Securities available-for-sale 32,910 — 31,058 1,852 32,910 Securities held-to-maturity 1,016 — 1,004 — 1,004 Equity securities 299 299 — — 299 Loans receivable 280,939 — — 279,948 279,948 FHLB stock 1,217 — 1,217 — 1,217 Accrued interest receivable 1,162 1,162 — — 1,162 Financial liabilities: Deposits $ 311,554 $ 94,088 $ — $ 208,733 $ 302,821 Long-term borrowings 14,228 — 19,623 — 19,623 Accrued interest payable 37 37 — — 37 At December 31, 2021 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 20,997 $ 20,997 $ — $ — $ 20,997 Interest-bearing time deposits in banks 650 — 650 — 650 Securities available-for-sale 36,975 — 33,965 3,010 36,975 Securities held-to-maturity 1,128 — 1,150 — 1,150 Equity securities 350 350 — — 350 Loans receivable 278,120 — — 281,502 281,502 FHLB stock 1,450 — 1,450 — 1,450 Accrued interest receivable 1,249 1,249 — — 1,249 Financial liabilities: Deposits $ 312,049 $ 94,709 $ — $ 219,261 $ 313,970 Long-term borrowings 17,760 — 21,985 — 21,985 Accrued interest payable 35 35 — — 35 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: At June 30, 2022 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 $ — $ 27 $ — $ 27 Corporate bonds — 17,727 — 17,727 Municipal bonds — 13,304 1,852 15,156 Equity investment securities: Large cap equity mutual fund 37 — — 37 Other mutual funds 262 — — 262 Total investment securities $ 299 $ 31,058 $ 1,852 $ 33,209 At December 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: Debt investment securities: Residential mortgage-backed - US agency and GSEs $ — $ 33 $ — $ 33 Corporate bonds — 18,043 — 18,043 Municipal bonds — 15,889 3,010 18,899 Equity investment securities: Large cap equity mutual fund 45 — — 45 Other mutual funds 305 — — 305 Total investment securities $ 350 $ 33,965 $ 3,010 $ 37,325 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, 2022 $ 3,010 Total gains realized/unrealized: Included in other comprehensive loss (236) Purchases 85 Principal payments/maturities (1,007) Balance - June 30, 2022 $ 1,852 Investment (In thousands) Securities Balance - January 1, 2021 $ 3,174 Total gains realized/unrealized: Included in other comprehensive income 197 Purchases 826 Principal payments/maturities (1,017) Balance - June 30, 2021 $ 3,180 Certain assets and liabilities are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following tables summarize assets measured at fair value on a nonrecurring basis segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: At June 30, 2022 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 72 $ 72 Foreclosed real estate & repossessed assets — — 69 69 At December 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 279 $ 279 Foreclosed real estate & repossessed assets — — 27 27 There have been no transfers of assets in or out of any fair value measurement level. The following table presents additional quantitative information about assets measured at fair value on a recurring basis and for which Level 3 inputs were used to determine fair value: Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) Investment type- Other Investments Scheduled principal Cost to Sell 0% and interest payments Carrying value 100% The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis at June 30, 2022 and December 31, 2021: 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)% Commercial business Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)% 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 loan disclosures above, fair value is commonly based on recent real estate appraisals, or estimated value from auction house or qualified dealer, and adjusted as deemed necessary by independent appraisers and management and estimated costs to sell resulting in a level 3 fair value classification. Foreclosed and repossessed assets are evaluated on a monthly basis to determine whether an additional reduction in the fair value less estimated costs to sell should be recorded.

Segment Information

Segment Information	6 Months Ended
Segment Information	Jun. 30, 2022
Segment Information
Segment Information	13. 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 and service fees on deposit accounts. 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. Pursuant to a Management Agreement, which became effective on April 1, 2022, personnel and office support charges were assumed by Northwoods. 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 rent and support charges for using the assets and technology of the Bank. Information about the segments is presented in the following tables as of and for the periods as noted: Three Months Ended June 30, 2022 2021 Community Municipal Community Municipal Banking Insurance Banking Banking Insurance Banking (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income $ 2,757 $ — $ 65 $ 2,822 $ 2,866 $ — $ 63 $ 2,929 Provision for loan losses 150 — — 150 135 — — 135 Net interest income after provision for loan losses 2,607 — 65 2,672 2,731 — 63 2,794 Total noninterest income 469 98 — 567 508 212 — 720 Compensation and benefits (1,144) (19) — (1,163) (1,252) (90) — (1,342) Other noninterest expense (1,642) (3) (19) (1,664) (1,661) (31) (32) (1,724) Income before income tax expense 290 76 46 412 326 91 31 448 Income tax expense 60 — 7 67 73 — 6 79 Net income $ 230 $ 76 $ 39 $ 345 $ 253 $ 91 $ 25 $ 369 Six Months Ended June 30, 2022 2021 Community Municipal Community Municipal Banking Insurance Banking Banking Insurance Banking (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income $ 5,592 $ — $ 125 $ 5,717 $ 5,646 $ — $ 126 $ 5,772 Provision for loan losses 300 — — 300 270 — — 270 Net interest income after provision for loan losses 5,292 — 125 5,417 5,376 — 126 5,502 Total noninterest income 890 293 — 1,183 947 385 — 1,332 Compensation and benefits (2,293) (105) — (2,398) (2,410) (191) — (2,601) Other noninterest expense (3,246) (33) (40) (3,319) (3,222) (68) (63) (3,353) Income before income tax expense (benefit) 643 155 85 883 691 126 63 880 Income tax expense (benefit) 128 — 14 142 145 — 13 158 Net income $ 515 $ 155 $ 71 $ 741 $ 546 $ 126 $ 50 $ 722 The following represents a reconciliation of the Company’s reported segment assets: At June 30, At December 31, (In thousands) 2022 2021 Total assets for reportable segments $ 384,019 $ 395,225 Elimination of intercompany balances (14,347) (16,276) Consolidated total assets $ 369,672 $ 378,949 The accounting policies of each segment are the same as those described in the summary of significant accounting policies.

Recently Issued Accounting Pron

Recently Issued Accounting Pronouncements	6 Months Ended
Recently Issued Accounting Pronouncements	Jun. 30, 2022
Recently Issued Accounting Pronouncements
Recently Issued Accounting Pronouncements	14. Recently Issued Accounting Pronouncements ASU No. 2016-13 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 Board of Directors 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. ASU No. 2022-02 In March 2022, the FASB issued ASU No. 2022-02, amendments related to Troubled Debt Restructurings (TDRs) for all entities after they adopt 2016-13 and amendments related to vintage disclosures that affect public business entities with investments in financing receivables, under Financial Instruments-Credit Losses (Topic 326). The amendments in the accounting guidance for TDRs by credits eliminates the recognition and measurement guidance for TDRs in Subtopic 310-40. The effective dates for the amendments in this Update are the same as the effective dates in Update 2016-13. The amendments in this update should be applied prospectively, except for the transition method related to the recognition and measurement of TDRs, an entity as the option to apply a modified retrospective transition method, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. ASU No. 2022-03 In June 2022, the FASB issued ASU No. 2022-03, to update guidance intended to increase the comparability of financial information across reporting entities that have investments in equity securities measured at fair value that are subject to contractual restrictions preventing the sale of those securities. The updated guidance clarifies that a contractual restriction on the sale of an equity security is not considered part of the unit of account of the equity security and, as a result, should not be considered in measuring fair value. In addition, new disclosures are required about the nature of the restrictions and their remaining duration. The updated guidance is effective for interim and annual reporting periods beginning after December 15, 2023, with early adoption permitted. The Company does not expect the adoption of this guidance to impact its condensed consolidated financial statements.

Subsequent Events

Subsequent Events	6 Months Ended
Subsequent Events	Jun. 30, 2022
Subsequent Events
Subsequent Events	15. Subsequent Events The Company has evaluated subsequent events through August 5, 2022, which is the date the consolidated financial statements were issued.

Nature of Operations (Policies)

Nature of Operations (Policies)	6 Months Ended
Nature of Operations (Policies)	Jun. 30, 2022
Nature of Operations
Interim Financial Statements	Interim Financial Statements The interim condensed consolidated financial statements as of June 30, 2022, and for the three and six months ended June 30, 2022 and 2021, are unaudited and reflect all normal recurring adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. Such adjustments are the only adjustments contained in these unaudited consolidated financial statements. These unaudited condensed consolidated financial statements have been prepared according to the rules and regulations of the Securities and Exchange Commission, and therefore certain information and footnote disclosures normally included in the financial statements prepared in accordance with generally accepted accounting principles in the United States of America (“GAAP”) have been omitted. The results of operations for the three and six months ended June 30, 2022 are not necessarily indicative of the results to be achieved for the remainder of the year ending December 31, 2022, 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, 2021 included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021. 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, 2021.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	6 Months Ended
Accumulated Other Comprehensive Loss (Tables)	Jun. 30, 2022
Accumulated Other Comprehensive Loss
Schedule of Other comprehensive loss information	Unrealized Accumulated (Losses) Gains Defined Other Three Months Ended June 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, March 31, 2022 $ (1,559) $ (1,181) $ (2,740) Other comprehensive loss before reclassifications (2,484) — (2,484) Net current-period other comprehensive loss (2,484) — (2,484) Balance, June 30, 2022 $ (4,043) $ (1,181) $ (5,224) Balance, March 31, 2021 $ 710 $ (2,115) $ (1,405) Other comprehensive income before reclassifications 170 — 170 Amounts reclassified from AOCI to the income statement 2 22 24 Net current-period other comprehensive income 172 22 194 Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211) Unrealized Accumulated (Losses) Gains Defined Other Six Months Ended June 30, on Securities Benefit Comprehensive (In thousands) Available-for-Sale Pension Plan Loss Balance, January 1, 2022 $ 215 $ (1,181) $ (966) Other comprehensive loss before reclassifications (4,258) — (4,258) Net current-period other comprehensive loss (4,258) — (4,258) Balance, June 30, 2022 $ (4,043) $ (1,181) $ (5,224) Balance, January 1, 2021 $ 723 $ (2,138) $ (1,415) Other comprehensive income before reclassifications 157 — 157 Amounts reclassified from AOCI to the income statement 2 45 47 Net current-period other comprehensive income 159 45 204 Balance, June 30, 2021 $ 882 $ (2,093) $ (1,211)
Reclassified out of each component of accumulated other comprehensive loss	Three months ended June 30, Six months ended June 30, Affected Line Item in the (In thousands) 2022 2021 2022 2021 Statement of Income Available-for-sale securities: Realized loss on sale of securities $ — $ (2) $ — $ (2) Net loss on sale of securities $ — $ (2) $ — $ (2) Net income Defined benefit pension plan: Retirement plan net losses recognized in net periodic pension cost $ — $ 28 $ — $ 57 Compensation and benefits Tax effect — (6) — (12) Income tax expense $ — $ 22 $ — $ 45 Net income

Earning Per Common Share (Table

Earning Per Common Share (Tables)	6 Months Ended
Earning Per Common Share (Tables)	Jun. 30, 2022
Earnings Per Common Share
Schedule of calculation of basic and diluted earnings per share	Three Months Ended June 30, (In thousands, except per share data) 2022 2021 Net income available to common stockholders $ 345 $ 369 Weighted-average common shares outstanding 2,333 2,347 Earnings per common share - basic and diluted $ 0.15 $ 0.16 Six Months Ended June 30, (In thousands, except per share data) 2022 2021 Net income available to common stockholders $ 741 $ 722 Weighted-average common shares outstanding 2,342 2,354 Earnings per common share - basic and diluted $ 0.32 $ 0.31

Securities (Tables)

Securities (Tables)	6 Months Ended
Securities (Tables)	Jun. 30, 2022
Securities
Schedule of investments in securities available-for-sale and held-to-maturity	At June 30, 2022 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and Government Sponsored Enterprise ("GSE") $ 28 $ — $ (1) $ 27 Corporate bonds 20,953 — (3,226) 17,727 State and political subdivisions 17,047 5 (1,896) 15,156 Total securities available-for-sale $ 38,028 $ 5 $ (5,123) $ 32,910 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,016 $ 4 $ (16) $ 1,004 Total securities held-to-maturity $ 1,016 $ 4 $ (16) $ 1,004 Equity securities: Large cap equity mutual fund $ 37 $ 37 Other mutual funds 262 262 Total of equity securities $ 299 $ 299 At December 31, 2021 Gross Gross Amortized Unrealized Unrealized Fair (in thousands) Cost Gains Losses Value Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ 33 $ 1 $ (1) $ 33 Corporate bonds 18,589 266 (812) 18,043 State and political subdivisions 18,081 887 (69) 18,899 Total securities available-for-sale $ 36,703 $ 1,154 $ (882) $ 36,975 Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 1,128 $ 25 $ (3) $ 1,150 Total securities held-to-maturity $ 1,128 $ 25 $ (3) $ 1,150 Equity securities: Large cap equity mutual fund $ 45 $ 45 Other mutual funds 305 305 Total of equity securities $ 350 $ 350
Schedule of gross unrealized losses on investment securities and the fair value of the related securities	At June 30, 2022 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 $ — $ — $ 21 $ (1) $ 21 $ (1) Corporate bonds 16,459 (2,725) 1,045 (501) 17,504 (3,226) State and political subdivisions 10,729 (1,230) 3,609 (666) 14,338 (1,896) Total securities available-for-sale $ 27,188 $ (3,955) $ 4,675 $ (1,168) $ 31,863 $ (5,123) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ 363 $ (11) $ 230 $ (5) $ 593 $ (16) Total securities held-to-maturity $ 363 $ (11) $ 230 $ (5) $ 593 $ (16) At December 31, 2021 12 Months or Less More than 12 Months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (in thousands) Value Losses Value Losses Value Losses Securities available-for-sale: Residential mortgage-backed - US agency and GSEs $ — $ — $ 23 $ (1) $ 23 $ (1) Corporate bonds 9,925 (812) — — 9,925 (812) State and political subdivisions 4,774 (69) — — 4,774 (69) Total securities available-for-sale $ 14,699 $ (881) $ 23 $ (1) $ 14,722 $ (882) Securities held-to-maturity: Residential mortgage-backed - US agency and GSEs $ — $ — $ 156 $ (3) $ 156 $ (3) Total securities held-to-maturity $ — $ — $ 156 $ (3) $ 156 $ (3)
Summary of the amortized cost and estimated fair values of debt securities	At June 30, 2022 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 $ 433 $ 428 $ — $ — Due over one year through five years 3,089 2,983 — — Due over five through ten years 4,329 3,655 — — Due after ten years 30,149 25,817 — — 38,000 32,883 — — Residential mortgage-backed securities 28 27 1,016 1,004 Total $ 38,028 $ 32,910 $ 1,016 $ 1,004

Loans Receivable (Tables)

Loans Receivable (Tables)	6 Months Ended
Loans Receivable (Tables)	Jun. 30, 2022
Loans Receivable
Schedule of major classifications of loans	At June 30, At December 31, (In thousands) 2022 2021 Originated Loans: Residential mortgages: One- to four-family $ 109,047 $ 102,766 109,047 102,766 Commercial loans: Real estate - nonresidential 16,174 19,734 Multi-family 449 456 Commercial business 11,287 12,366 27,910 32,556 Consumer: Home equity and junior liens 10,118 8,840 Manufactured homes 49,247 47,717 Automobile 22,569 22,666 Student 2,042 2,096 Recreational vehicle 28,059 29,463 Other consumer 6,749 5,408 118,784 116,190 Total originated loans 255,741 251,512 Net deferred loan costs 15,742 15,650 Less allowance for loan losses (2,188) (1,841) Net originated loans $ 269,295 $ 265,321 At June 30, At December 31, (In thousands) 2022 2021 Acquired Loans: Residential mortgages: One- to four-family $ 9,407 $ 10,295 9,407 10,295 Commercial loans: Real estate - nonresidential 1,655 1,744 Commercial business 118 162 1,773 1,906 Consumer: Home equity and junior liens 711 861 Other consumer 62 84 773 945 Total acquired loans 11,953 13,146 Net deferred loan costs (57) (60) Fair value credit and yield adjustment (252) (287) Net acquired loans $ 11,644 $ 12,799 At June 30, At December 31, (In thousands) 2022 2021 Total Loans: Residential mortgages: One- to four-family $ 118,454 $ 113,061 118,454 113,061 Commercial loans: Real estate - nonresidential 17,829 21,478 Multi-family 449 456 Commercial business 11,405 12,528 29,683 34,462 Consumer: Home equity and junior liens 10,829 9,701 Manufactured homes 49,247 47,717 Automobile 22,569 22,666 Student 2,042 2,096 Recreational vehicle 28,059 29,463 Other consumer 6,811 5,492 119,557 117,135 Total Loans 267,694 264,658 Net deferred loan costs 15,685 15,590 Fair value credit and yield adjustment (252) (287) Less allowance for loan losses (2,188) (1,841) Loans receivable, net $ 280,939 $ 278,120
Summary of loan portfolio by Company's internal risk rating system	At June 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 105,685 $ 1,043 $ 2,319 $ — $ 109,047 105,685 1,043 2,319 — 109,047 Commercial loans: Real estate - nonresidential 13,684 354 2,136 — 16,174 Multi-family 449 — — — 449 Commercial business 8,006 2,420 861 — 11,287 22,139 2,774 2,997 — 27,910 Consumer: Home equity and junior liens 9,986 50 82 — 10,118 Manufactured homes 48,893 239 115 — 49,247 Automobile 22,406 84 79 — 22,569 Student 1,948 — 94 — 2,042 Recreational vehicle 27,971 17 71 — 28,059 Other consumer 6,698 51 — — 6,749 117,902 441 441 — 118,784 Total originated loans $ 245,726 $ 4,258 $ 5,757 $ — $ 255,741 At June 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 9,173 $ 37 $ 197 $ — $ 9,407 9,173 37 197 — 9,407 Commercial loans: Real estate - nonresidential 1,655 — — — 1,655 Commercial business 118 — — — 118 1,773 — — — 1,773 Consumer: Home equity and junior liens 676 35 — — 711 Other consumer 62 — — — 62 738 35 — — 773 Total acquired loans $ 11,684 $ 72 $ 197 $ — $ 11,953 At June 30, 2022 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 114,858 $ 1,080 $ 2,516 $ — $ 118,454 114,858 1,080 2,516 — 118,454 Commercial loans: Real estate - nonresidential 15,339 354 2,136 — 17,829 Multi-family 449 — — — 449 Commercial business 8,124 2,420 861 — 11,405 23,912 2,774 2,997 — 29,683 Consumer: Home equity and junior liens 10,662 85 82 — 10,829 Manufactured homes 48,893 239 115 — 49,247 Automobile 22,406 84 79 — 22,569 Student 1,948 — 94 — 2,042 Recreational vehicle 27,971 17 71 — 28,059 Other consumer 6,760 51 — — 6,811 118,640 476 441 — 119,557 Total loans $ 257,410 $ 4,330 $ 5,954 $ — $ 267,694 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Originated Loans: Residential mortgages: One- to four-family $ 99,294 $ 1,110 $ 2,362 $ — $ 102,766 99,294 1,110 2,362 — 102,766 Commercial loans: Real estate - nonresidential 14,464 3,045 2,225 — 19,734 Multi-family 456 — — — 456 Commercial business 10,256 1,112 998 — 12,366 25,176 4,157 3,223 — 32,556 Consumer: Home equity and junior liens 8,753 41 46 — 8,840 Manufactured homes 47,717 — — — 47,717 Automobile 22,558 64 44 — 22,666 Student 2,096 — — — 2,096 Recreational vehicle 29,424 39 — — 29,463 Other consumer 5,376 32 — — 5,408 115,924 176 90 — 116,190 Total originated loans $ 240,394 $ 5,443 $ 5,675 $ — $ 251,512 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Acquired Loans: Residential mortgages: One- to four-family $ 10,038 $ 42 $ 215 $ — $ 10,295 10,038 42 215 — 10,295 Commercial loans: Real estate - nonresidential 1,744 — — — 1,744 Commercial business 162 — — — 162 1,906 — — — 1,906 Consumer: Home equity and junior liens 841 — 20 — 861 Other consumer 84 — — — 84 925 — 20 — 945 Total acquired loans $ 12,869 $ 42 $ 235 $ — $ 13,146 At December 31, 2021 Special (In thousands) Pass Mention Substandard Doubtful Total Total Loans: Residential mortgages: One- to four-family $ 109,332 $ 1,152 $ 2,577 $ — $ 113,061 109,332 1,152 2,577 — 113,061 Commercial loans: Real estate - nonresidential 16,208 3,045 2,225 — 21,478 Multi-family 456 — — — 456 Commercial business 10,418 1,112 998 — 12,528 27,082 4,157 3,223 — 34,462 Consumer: Home equity and junior liens 9,594 41 66 — 9,701 Manufactured homes 47,717 — — — 47,717 Automobile 22,558 64 44 — 22,666 Student 2,096 — — — 2,096 Recreational vehicle 29,424 39 — — 29,463 Other consumer 5,460 32 — — 5,492 116,849 176 110 — 117,135 Total loans $ 253,263 $ 5,485 $ 5,910 $ — $ 264,658
Schedule of age analysis of past due loans, segregated by class of loans	At June 30, 2022 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 $ 2,884 $ 806 $ 2,108 $ 5,798 $ 103,249 $ 109,047 2,884 806 2,108 5,798 103,249 109,047 Commercial loans: Real estate - nonresidential — — 416 416 15,758 16,174 Multi-family — — — — 449 449 Commercial business — 50 118 168 11,119 11,287 — 50 534 584 27,326 27,910 Consumer loans: Home equity and junior liens 74 19 82 175 9,943 10,118 Manufactured homes 640 239 115 994 48,253 49,247 Automobile 145 84 79 308 22,261 22,569 Student — — 94 94 1,948 2,042 Recreational vehicle 675 17 71 763 27,296 28,059 Other consumer 90 51 — 141 6,608 6,749 1,624 410 441 2,475 116,309 118,784 Total originated loans $ 4,508 $ 1,266 $ 3,083 $ 8,857 $ 246,884 $ 255,741 At June 30, 2022 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 $ 149 $ 72 $ 197 $ 418 $ 8,989 $ 9,407 149 72 197 418 8,989 9,407 Commercial loans: Real estate - nonresidential — — — — 1,655 1,655 Commercial business — — — — 118 118 — — — — 1,773 1,773 Consumer loans: Home equity and junior liens — 35 — 35 676 711 Other consumer — — — — 62 62 — 35 — 35 738 773 Total acquired loans $ 149 $ 107 $ 197 $ 453 $ 11,500 $ 11,953 At June 30, 2022 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: Residential mortgage loans: One- to four-family $ 3,033 $ 878 $ 2,305 $ 6,216 $ 112,238 $ 118,454 3,033 878 2,305 6,216 112,238 118,454 Commercial loans: Real estate - nonresidential — — 416 416 17,413 17,829 Multi-family — — — — 449 449 Commercial business — 50 118 168 11,237 11,405 — 50 534 584 29,099 29,683 Consumer loans: Home equity and junior liens 74 54 82 210 10,619 10,829 Manufactured homes 640 239 115 994 48,253 49,247 Automobile 145 84 79 308 22,261 22,569 Student — — 94 94 1,948 2,042 Recreational vehicle 675 17 71 763 27,296 28,059 Other consumer 90 51 — 141 6,670 6,811 1,624 445 441 2,510 117,047 119,557 Total loans $ 4,657 $ 1,373 $ 3,280 $ 9,310 $ 258,384 $ 267,694 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Originated Loans: Residential mortgage loans: One- to four-family $ 3,137 $ 757 $ 2,362 $ 6,256 $ 96,510 $ 102,766 3,137 757 2,362 6,256 96,510 102,766 Commercial loans: Real estate - nonresidential 389 — 416 805 18,929 19,734 Multi-family — — — — 456 456 Commercial business — 8 161 169 12,197 12,366 389 8 577 974 31,582 32,556 Consumer loans: Home equity and junior liens 149 31 46 226 8,614 8,840 Manufactured homes 922 615 — 1,537 46,180 47,717 Automobile 168 64 44 276 22,390 22,666 Student 95 — — 95 2,001 2,096 Recreational vehicle 605 39 — 644 28,819 29,463 Other consumer 75 32 — 107 5,301 5,408 2,014 781 90 2,885 113,305 116,190 Total originated loans $ 5,540 $ 1,546 $ 3,029 $ 10,115 $ 241,397 $ 251,512 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Acquired Loans: Residential mortgage loans: One- to four-family $ 318 $ 68 $ 215 $ 601 $ 9,694 $ 10,295 318 68 215 601 9,694 10,295 Commercial loans: Real estate - nonresidential — — — — 1,744 1,744 Commercial business 27 — — 27 135 162 27 — — 27 1,879 1,906 Consumer loans: Home equity and junior liens — — 20 20 841 861 Other consumer — — — — 84 84 — — 20 20 925 945 Total acquired loans $ 345 $ 68 $ 235 $ 648 $ 12,498 $ 13,146 At December 31, 2021 90 Days 30-59 Days 60-89 Days or More Total Total Loans Total Loans (In thousands) Past Due Past Due Past Due Past Due Current Receivable Total Loans: Residential mortgage loans: One- to four-family $ 3,455 $ 825 $ 2,577 $ 6,857 $ 106,204 $ 113,061 3,455 825 2,577 6,857 106,204 113,061 Commercial loans: Real estate - nonresidential 389 — 416 805 20,673 21,478 Multi-family — — — — 456 456 Commercial business 27 8 161 196 12,332 12,528 416 8 577 1,001 33,461 34,462 Consumer loans: Home equity and junior liens 149 31 66 246 9,455 9,701 Manufactured homes 922 615 — 1,537 46,180 47,717 Automobile 168 64 44 276 22,390 22,666 Student 95 — — 95 2,001 2,096 Recreational vehicle 605 39 — 644 28,819 29,463 Other consumer 75 32 — 107 5,385 5,492 2,014 781 110 2,905 114,230 117,135 Total loans $ 5,885 $ 1,614 $ 3,264 $ 10,763 $ 253,895 $ 264,658
Non-accrual loans, segregated by class of loan	At June 30, At December 31, (In thousands) 2022 2021 Residential mortgage loans: One- to four-family $ 2,305 $ 2,577 2,305 2,577 Commercial loans: Real estate - nonresidential 416 416 Commercial business 118 161 534 577 Consumer loans: Home equity and junior liens 82 46 Manufactured homes 115 — Automobile 79 44 Student 94 — Recreational vehicle 71 — 441 110 Total non-accrual loans $ 3,280 $ 3,264
Schedule of loans modified as troubled debt restructuring	Six Months Ended June 30, 2021 Post- Pre-Modification Modification Current Outstanding Outstanding Outstanding Number of Recorded Recorded Recorded Contracts Investment Investment Investment One- to four-family residential mortgages 4 $ 336 $ 336 $ — Commercial business 3 46 46 —
Summary of impaired loans information by portfolio class	At June 30, 2022 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,445 $ 2,525 $ — Commercial real estate - nonresidential 416 516 — Commercial business 113 126 — Home equity and junior liens 82 82 — With an allowance recorded: One- to four-family residential mortgages 72 72 1 Total: One- to four-family residential mortgages 2,517 2,597 1 Commercial real estate - nonresidential 416 516 — Commercial business 113 126 — Home equity and junior liens 82 82 — $ 3,128 $ 3,321 $ 1 At December 31, 2021 Unpaid Recorded Principal Related (In thousands) Investment Balance Allowance With no related allowance recorded: One- to four-family residential mortgages $ 2,352 $ 2,423 $ — Commercial real estate - nonresidential 416 516 — Commercial business 73 73 — Home equity and junior liens 67 67 — With an allowance recorded: One- to four-family residential mortgages 224 224 7 Commercial business 55 55 12 Total: One- to four-family residential mortgages 2,576 2,647 7 Commercial real estate - nonresidential 416 516 — Commercial business 128 128 12 Home equity and junior liens 67 67 — $ 3,187 $ 3,358 $ 19 The following table presents the average recorded investment in impaired loans: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2022 2021 2022 2021 One- to four-family residential mortgages $ 2,518 $ 2,737 $ 2,527 $ 2,750 Commercial real estate - nonresidential 416 1,217 416 1,218 Commercial business 114 509 121 519 Home equity and junior liens 82 139 82 140 Other consumer — 3 — 3 3,130 $ 4,605 3,146 $ 4,630 The following table presents interest income recognized on impaired loans: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2022 2021 2022 2021 One- to four-family residential mortgages $ 13 $ 20 $ 31 $ 44 Commercial real estate - nonresidential — 10 — 10 Commercial business — 1 1 2 $ 13 $ 31 $ 32 $ 56

Allowance for Loan Loss (Tables

Allowance for Loan Loss (Tables)	6 Months Ended
Allowance for Loan Loss (Tables)	Jun. 30, 2022
Allowance for Loan Loss
Changes in the allowance for loan losses	Three Months Ended June 30, 2022 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 $ 739 $ — $ 644 $ 3 $ — $ 209 Charge-offs (26) — — — — (12) Recoveries 1 — — — — — Provision (credit) for loan losses (24) — (128) (1) — 43 Ending balance $ 690 $ — $ 516 $ 2 $ — $ 240 Three Months Ended June 30, 2022 (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 $ 43 $ 116 $ 107 $ 64 $ — $ 49 $ — $ 1,974 Charge-offs — — — — — — — (38) Recoveries — — 99 — — 2 — 102 Provision (credit) for loan losses 6 (12) (80) (2) 347 1 — 150 Ending balance $ 49 $ 104 $ 126 $ 62 $ 347 $ 52 $ — $ 2,188 Three Months Ended June 30, 2021 One- to four- Construction Commercial Commercial family residential real estate real estate Construction Commercial (In thousands) residential mortgage nonresidential multi-family commercial business Allowance for loan losses: Beginning Balance $ 540 $ — $ 388 $ 11 $ — $ 530 Charge-offs (74) — — — — — Recoveries 1 — 16 6 — — Provision (credit) for loan losses 144 — (28) (15) — 33 Ending balance $ 611 $ — $ 376 $ 2 $ — $ 563 Three Months Ended June 30, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 48 $ 81 $ 137 $ 71 $ — $ 75 $ — $ 1,881 Charge-offs — — (4) — — (3) — (81) Recoveries — — 15 — — 3 — 41 Provision (credit) for loan losses (2) 1 (5) (2) — 9 — 135 Ending balance $ 46 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Six Months Ended June 30, 2022 One- to four- Construction family residential Real estate Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: Beginning balance $ 688 $ — $ 630 $ 2 $ — $ 161 Charge-offs (36) — — — — (12) Recoveries 16 — — — — — Provision (credit) for loan losses 22 — (114) — — 91 Ending balance $ 690 $ — $ 516 $ 2 $ — $ 240 Ending balance: related to loans individually evaluated for impairment $ 1 $ — $ — $ — $ — $ — Ending balance: related to loans collectively evaluated for impairment $ 689 $ — $ 516 $ 2 $ — $ 240 Loans receivable: Ending balance $ 118,454 $ — $ 17,829 $ 449 $ — $ 11,405 Ending balance: individually evaluated for impairment $ 2,517 $ — $ 416 $ — $ — $ 113 Ending balance: collectively evaluated for impairment $ 115,937 $ — $ 17,413 $ 449 $ — $ 11,292 Six Months Ended June 30, 2022 (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 $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,841 Charge-offs — — (40) — — — — (88) Recoveries — — 116 1 — 2 — 135 Provision (credit) for loan losses 10 2 (57) (3) 347 2 — 300 Ending balance $ 49 $ 104 $ 126 $ 62 $ 347 $ 52 $ — $ 2,188 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ 1 Ending balance: related to loans collectively evaluated for impairment $ 49 $ 104 $ 126 $ 62 $ 347 $ 52 $ — $ 2,187 Loans receivable: Ending balance $ 10,829 $ 49,247 $ 22,569 $ 2,042 $ 28,059 $ 6,811 $ — $ 267,694 Ending balance: individually evaluated for impairment $ 82 $ — $ — $ — $ — $ — $ — $ 3,128 Ending balance: collectively evaluated for impairment $ 10,747 $ 49,247 $ 22,569 $ 2,042 $ 28,059 $ 6,811 $ — $ 264,566 Six Months Ended June 30, 2021 One- to four- Construction family residential Real estate Construction Commercial (In thousands) residential mortgage nonresidential Multi-family commercial business Allowance for loan losses: Beginning balance $ 457 $ — $ 319 $ 26 $ — $ 617 Charge-offs (77) — (51) — — (17) Recoveries 2 — 16 12 — 7 Provision (credit) for loan losses 229 — 92 (36) — (44) Ending balance $ 611 $ — $ 376 $ 2 $ — $ 563 Ending balance: related to loans individually evaluated for impairment $ 15 $ — $ — $ — $ — $ 194 Ending balance: related to loans collectively evaluated for impairment $ 596 $ — $ 376 $ 2 $ — $ 369 Loans receivable: Ending balance $ 119,557 $ — $ 22,677 $ 405 $ — $ 18,564 Ending balance: individually evaluated for impairment $ 2,613 $ — $ 862 $ — $ — $ 502 Ending balance: collectively evaluated for impairment $ 116,944 $ — $ 21,815 $ 405 $ — $ 18,062 Six Months Ended June 30, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Charge-offs (2) — (6) — — (36) — (189) Recoveries — — 25 1 7 4 — 74 Provision (credit) for loan losses 2 6 (3) (1) (7) 32 — 270 Ending balance $ 46 $ 82 $ 143 $ 69 $ — $ 84 $ — $ 1,976 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ 2 $ — $ 211 Ending balance: related to loans collectively evaluated for impairment $ 46 $ 82 $ 143 $ 69 $ — $ 82 $ — $ 1,765 Loans receivable: Ending balance $ 9,896 $ 48,055 $ 22,964 $ 2,258 $ 25,291 $ 5,169 $ — $ 274,836 Ending balance: individually evaluated for impairment $ 139 $ — $ — $ — $ — $ 3 $ — $ 4,119 Ending balance: collectively evaluated for impairment $ 9,757 $ 48,055 $ 22,964 $ 2,258 $ 25,291 $ 5,166 $ — $ 270,717 Year Ended December 31, 2021 One- to four- Construction family residential 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) — (386) — — (84) Recoveries 28 — 16 12 — 7 Provision (credit) for loan losses 320 — 681 (36) — (379) Ending balance $ 688 $ — $ 630 $ 2 $ — $ 161 Ending balance: related to loans individually evaluated for impairment $ 7 $ — $ — $ — $ — $ 12 Ending balance: related to loans collectively evaluated for impairment $ 681 $ — $ 630 $ 2 $ — $ 149 Loans receivable: Ending balance $ 113,061 $ — $ 21,478 $ 456 $ — $ 12,528 Ending balance: individually evaluated for impairment $ 2,576 $ — $ 416 $ — $ — $ 128 Ending balance: collectively evaluated for impairment $ 110,485 $ — $ 21,062 $ 456 $ — $ 12,400 Year Ended December 31, 2021 (cont'd) Home equity Manufactured Recreational Other (In thousands) and junior liens homes Automobile Student vehicle consumer Unallocated Total Allowance for loan losses: Beginning balance $ 46 $ 76 $ 127 $ 69 $ — $ 84 $ — $ 1,821 Charge-offs (2) — (12) — (1) (45) — (647) Recoveries — — 48 3 8 5 — 127 Provision (credit) for loan losses (5) 26 (56) (8) (7) 4 — 540 Ending balance $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,841 Ending balance: related to loans individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — $ 19 Ending balance: related to loans collectively evaluated for impairment $ 39 $ 102 $ 107 $ 64 $ — $ 48 $ — $ 1,822 Loans receivable: Ending balance $ 9,701 $ 47,717 $ 22,666 $ 2,096 $ 29,463 $ 5,492 $ — $ 264,658 Ending balance: individually evaluated for impairment $ 67 $ — $ — $ — $ — $ — $ — $ 3,187 Ending balance: collectively evaluated for impairment $ 9,634 $ 47,717 $ 22,666 $ 2,096 $ 29,463 $ 5,492 $ — $ 261,471

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	6 Months Ended
Employee Benefit Plans (Tables)	Jun. 30, 2022
Employee Benefit Plans
Schedule of net periodic expenses recognized in income	Generations Bank Plan: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2022 2021 2022 2021 Net periodic expenses recognized in income: Service cost $ 108 $ 114 $ 216 $ 229 Interest cost 103 105 205 210 Expected return on plan assets (384) (370) (768) (740) Amortization of net losses — 29 — 57 Net periodic pension benefit $ (173) $ (122) $ (347) $ (244) Medina Savings and Loan Plan: Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2022 2021 2022 2021 Net periodic expenses recognized in income: Service cost $ 8 $ 7 $ 16 $ 15 Interest cost 27 33 55 65 Expected return on plan assets (115) (116) (230) (232) Net periodic pension benefit $ (80) $ (76) $ (159) $ (152)

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	6 Months Ended
Stock-Based Compensation (Tables)	Jun. 30, 2022
Stock-Based Compensation
Schedule of the Company's stock option activity and related information for its option plans	Three Months Ended June 30, 2022 Weighted Average Exercise Price Per Options Share Outstanding at beginning of year — $ — Grants 132,977 11.61 Exercised — — Outstanding at quarter end 132,977 $ 11.61 Exercisable at quarter end — $ — Six Months Ended June 30, 2022 Weighted Average Exercise Price Per Options Share Outstanding at beginning of year — $ — Grants 132,977 11.61 Exercised — — Outstanding at quarter end 132,977 $ 11.61 Exercisable at quarter end — $ —

Regulatory Capital (Tables)

Regulatory Capital (Tables)	6 Months Ended
Regulatory Capital (Tables)	Jun. 30, 2022
Regulatory Capital
Summary of actual capital amounts and ratios	Minimum To Be "Well- Minimum Capitalized" For Capital Under Prompt Actual Adequacy Purposes Corrective Provisions (in thousands) Amount Ratio Amount Ratio Amount Ratio As of June 30, 2022 Common Equity Tier 1 Capital $ 40,775 14.45 % $ 12,697 4.50 % $ 18,340 6.50 % Total Capital (to Risk-Weighted Assets) $ 42,963 15.23 % $ 22,572 8.00 % $ 28,216 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 40,775 14.45 % $ 16,929 6.00 % $ 22,572 8.00 % Tier 1 Capital (to Total Adjusted Assets) $ 40,775 11.02 % $ 14,801 4.00 % $ 18,501 5.00 % As of December 31, 2021: Common Equity Tier 1 Capital $ 41,287 14.82 % $ 12,534 4.50 % $ 18,104 6.50 % Total Capital (to Risk-Weighted Assets) $ 43,128 15.48 % $ 22,282 8.00 % $ 27,853 10.00 % Tier 1 Capital (to Risk-Weighted Assets) $ 41,287 14.82 % $ 16,712 6.00 % $ 22,282 8.00 % Tier 1 Capital (to Total Adjusted Assets) $ 41,287 10.99 % $ 15,034 4.00 % $ 18,792 5.00 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	6 Months Ended
Commitments and Contingencies (Tables)	Jun. 30, 2022
Commitments and Contingencies
Financial instruments whose contract amounts represent credit risk	At June 30, At December 31, (In thousands) 2022 2021 Commitments to grant loans $ 9,771 $ 3,524 Unfunded commitments under lines of credit 18,834 15,568

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	6 Months Ended
Revenue from Contracts with Customers (Tables)	Jun. 30, 2022
Revenue from Contracts with Customers
Schedule of disaggregation of revenue	Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2022 2021 2022 2021 Service charges on deposit accounts $ 158 $ 131 $ 308 $ 266 Debit card interchange and surcharge income 194 232 382 443 Insurance commissions 101 201 298 375 Loan servicing fees 72 33 107 59 $ 525 $ 597 $ 1,095 $ 1,143

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	6 Months Ended
Fair Value Disclosures (Tables)	Jun. 30, 2022
Fair Value Disclosures
Schedule of carrying amount and estimated fair value of the Company's financial instrument	At June 30, 2022 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 12,955 $ 12,955 $ — $ — $ 12,955 Interest-bearing time deposits in banks 650 — 650 — 650 Securities available-for-sale 32,910 — 31,058 1,852 32,910 Securities held-to-maturity 1,016 — 1,004 — 1,004 Equity securities 299 299 — — 299 Loans receivable 280,939 — — 279,948 279,948 FHLB stock 1,217 — 1,217 — 1,217 Accrued interest receivable 1,162 1,162 — — 1,162 Financial liabilities: Deposits $ 311,554 $ 94,088 $ — $ 208,733 $ 302,821 Long-term borrowings 14,228 — 19,623 — 19,623 Accrued interest payable 37 37 — — 37 At December 31, 2021 Carrying Fair (In thousands) Amount Level 1 Level 2 Level 3 Value Financial assets: Cash and cash equivalents $ 20,997 $ 20,997 $ — $ — $ 20,997 Interest-bearing time deposits in banks 650 — 650 — 650 Securities available-for-sale 36,975 — 33,965 3,010 36,975 Securities held-to-maturity 1,128 — 1,150 — 1,150 Equity securities 350 350 — — 350 Loans receivable 278,120 — — 281,502 281,502 FHLB stock 1,450 — 1,450 — 1,450 Accrued interest receivable 1,249 1,249 — — 1,249 Financial liabilities: Deposits $ 312,049 $ 94,709 $ — $ 219,261 $ 313,970 Long-term borrowings 17,760 — 21,985 — 21,985 Accrued interest payable 35 35 — — 35
Schedule of assets measured at fair value on a recurring basis	At June 30, 2022 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 $ — $ 27 $ — $ 27 Corporate bonds — 17,727 — 17,727 Municipal bonds — 13,304 1,852 15,156 Equity investment securities: Large cap equity mutual fund 37 — — 37 Other mutual funds 262 — — 262 Total investment securities $ 299 $ 31,058 $ 1,852 $ 33,209 At December 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Securities available-for-sale: Debt investment securities: Residential mortgage-backed - US agency and GSEs $ — $ 33 $ — $ 33 Corporate bonds — 18,043 — 18,043 Municipal bonds — 15,889 3,010 18,899 Equity investment securities: Large cap equity mutual fund 45 — — 45 Other mutual funds 305 — — 305 Total investment securities $ 350 $ 33,965 $ 3,010 $ 37,325
Schedule of changes in Level 3 assets measured at estimated fair value on a recurring basis	Investment (In thousands) Securities Balance - January 1, 2022 $ 3,010 Total gains realized/unrealized: Included in other comprehensive loss (236) Purchases 85 Principal payments/maturities (1,007) Balance - June 30, 2022 $ 1,852 Investment (In thousands) Securities Balance - January 1, 2021 $ 3,174 Total gains realized/unrealized: Included in other comprehensive income 197 Purchases 826 Principal payments/maturities (1,017) Balance - June 30, 2021 $ 3,180
Schedule of assets measured at fair value on a nonrecurring basis	At June 30, 2022 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 72 $ 72 Foreclosed real estate & repossessed assets — — 69 69 At December 31, 2021 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ — $ — $ 279 $ 279 Foreclosed real estate & repossessed assets — — 27 27
Schedule of quantitative Information about Level 3 Fair Value Measurements	The following table presents additional quantitative information about assets measured at fair value on a recurring basis and for which Level 3 inputs were used to determine fair value: Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) Investment type- Other Investments Scheduled principal Cost to Sell 0% and interest payments Carrying value 100% The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis at June 30, 2022 and December 31, 2021: 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)% Commercial business Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)% Foreclosed real estate and repossessed assets Appraisal of collateral Appraisal Adjustments 5% - 35% (25)% Changes in property condition 10% - 20% (15)% Costs to Sell 5% - 15% (10)%

Segment Information (Tables)

Segment Information (Tables)	6 Months Ended
Segment Information (Tables)	Jun. 30, 2022
Segment Information
Summary of information about segments	Three Months Ended June 30, 2022 2021 Community Municipal Community Municipal Banking Insurance Banking Banking Insurance Banking (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income $ 2,757 $ — $ 65 $ 2,822 $ 2,866 $ — $ 63 $ 2,929 Provision for loan losses 150 — — 150 135 — — 135 Net interest income after provision for loan losses 2,607 — 65 2,672 2,731 — 63 2,794 Total noninterest income 469 98 — 567 508 212 — 720 Compensation and benefits (1,144) (19) — (1,163) (1,252) (90) — (1,342) Other noninterest expense (1,642) (3) (19) (1,664) (1,661) (31) (32) (1,724) Income before income tax expense 290 76 46 412 326 91 31 448 Income tax expense 60 — 7 67 73 — 6 79 Net income $ 230 $ 76 $ 39 $ 345 $ 253 $ 91 $ 25 $ 369 Six Months Ended June 30, 2022 2021 Community Municipal Community Municipal Banking Insurance Banking Banking Insurance Banking (In thousands) Activities Activities Activities Total Activities Activities Activities Total Net interest income $ 5,592 $ — $ 125 $ 5,717 $ 5,646 $ — $ 126 $ 5,772 Provision for loan losses 300 — — 300 270 — — 270 Net interest income after provision for loan losses 5,292 — 125 5,417 5,376 — 126 5,502 Total noninterest income 890 293 — 1,183 947 385 — 1,332 Compensation and benefits (2,293) (105) — (2,398) (2,410) (191) — (2,601) Other noninterest expense (3,246) (33) (40) (3,319) (3,222) (68) (63) (3,353) Income before income tax expense (benefit) 643 155 85 883 691 126 63 880 Income tax expense (benefit) 128 — 14 142 145 — 13 158 Net income $ 515 $ 155 $ 71 $ 741 $ 546 $ 126 $ 50 $ 722
Schedule of reconciliation of the Company's reported segment assets	At June 30, At December 31, (In thousands) 2022 2021 Total assets for reportable segments $ 384,019 $ 395,225 Elimination of intercompany balances (14,347) (16,276) Consolidated total assets $ 369,672 $ 378,949

Nature of Operations (Details)

Nature of Operations (Details) $ in Millions		6 Months Ended
Nature of Operations (Details) $ in Millions	Jan. 13, 2021 USD ($) shares	Jun. 30, 2021 shares	Jun. 30, 2022 Office facility	Jul. 31, 2020
Related Party Transaction [Line Items]
Number of common stocks sold	1,477,575	1,477,575
Exchange ratio of shares	0.9980
Gross offering proceeds from sale of stocks \| $	$ 14.8
Net proceeds from sale \| $	$ 13.2
Number of full-service office \| Office			7
Number of drive-thru facility \| facility			1
Seneca-Cayuga Bancorp, Inc. (the "Holding Company")
Related Party Transaction [Line Items]
Number of common stocks sold		109,450
ESOP shares committed to be released (in shares)	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 - Components (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	$ 42,115	$ 41,947	$ 43,479	$ 29,886
Net current-period other comprehensive income (loss)	(2,484)	194	(4,258)	204
Ending balance	39,028	42,545	39,028	42,545
Securities Available-for-Sale
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	(1,559)	710	215	723
Other comprehensive income (loss) before reclassifications	(2,484)	170	(4,258)	157
Amounts reclassified from AOCI to the income statement		2		2
Net current-period other comprehensive income (loss)	(2,484)	172	(4,258)	159
Ending balance	(4,043)	882	(4,043)	882
Defined Benefit Pension Plan
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	(1,181)	(2,115)	(1,181)	(2,138)
Amounts reclassified from AOCI to the income statement		22		45
Net current-period other comprehensive income (loss)		22		45
Ending balance	(1,181)	(2,093)	(1,181)	(2,093)
Accumulated Other Comprehensive Income (Loss)
Changes in the components of accumulated other comprehensive loss, net of tax
Beginning balance	(2,740)	(1,405)	(966)	(1,415)
Other comprehensive income (loss) before reclassifications	(2,484)	170	(4,258)	157
Amounts reclassified from AOCI to the income statement		24		47
Net current-period other comprehensive income (loss)	(2,484)	194	(4,258)	204
Ending balance	$ (5,224)	$ (1,211)	$ (5,224)	$ (1,211)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss - Reclassification (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Retirement plan net losses recognized in net periodic pension cost	$ 1,163	$ 1,342	$ 2,398	$ 2,601
Tax effect	$ 67	79	$ 142	158
Amounts Reclassified From AOCI \| Securities Available-for-Sale
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Realized loss on sale of securities		(2)		(2)
Net income		(2)		(2)
Amounts Reclassified From AOCI \| Defined Benefit Pension Plan
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Retirement plan net losses recognized in net periodic pension cost		28		57
Tax effect		(6)		(12)
Net income		$ 22		$ 45

Earnings Per Common Share - Add

Earnings Per Common Share - Additional information (Details) - shares		3 Months Ended		6 Months Ended
	Mar. 28, 2022	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchased (in share)	83,300
Stock repurchased (as a percent)	3.40%
Stock option granted to directors		132,977	0	132,977	0
Vesting period for directors				5 years
Restricted shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares granted to directors				53,191

Earnings Per Common Share - Cal

Earnings Per Common Share - Calculation of basic and diluted earnings per share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Earnings Per Common Share
Net income available to common shareholders	$ 345	$ 369	$ 741	$ 722
Weighted-average number of common shares outstanding, basic	2,333	2,347	2,342	2,354
Weighted-average number of common shares outstanding, diluted	2,333	2,347	2,342	2,354
Basic earnings per common share (in dollar per share)	$ 0.15	$ 0.16	$ 0.32	$ 0.31
Diluted earnings per common share	$ 0.15	$ 0.16	$ 0.32	$ 0.31

Securities - Securities availab

Securities - Securities available-for-sale, held-to-maturity, equity (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Securities available-for-sale:
Amortized Cost	$ 38,028	$ 36,703
Gross Unrealized Gains	5	1,154
Gross Unrealized Losses	(5,123)	(882)
Fair Value	32,910	36,975
Securities held-to-maturity:
Amortized Cost	1,016	1,128
Gross Unrealized Gains	4	25
Gross Unrealized Losses	(16)	(3)
Fair Value	1,004	1,150
Equity securities:
Amortized Cost	299	350
Fair Value	299	350
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Amortized Cost	28	33
Gross Unrealized Gains		1
Gross Unrealized Losses	(1)	(1)
Fair Value	27	33
Securities held-to-maturity:
Amortized Cost	1,016	1,128
Gross Unrealized Gains	4	25
Gross Unrealized Losses	(16)	(3)
Fair Value	1,004	1,150
Corporate bonds
Securities available-for-sale:
Amortized Cost	20,953	18,589
Gross Unrealized Gains		266
Gross Unrealized Losses	(3,226)	(812)
Fair Value	17,727	18,043
State and political subdivisions
Securities available-for-sale:
Amortized Cost	17,047	18,081
Gross Unrealized Gains	5	887
Gross Unrealized Losses	(1,896)	(69)
Fair Value	15,156	18,899
Large cap equity mutual fund
Equity securities:
Amortized Cost	37	45
Fair Value	37	45
Other mutual funds
Equity securities:
Amortized Cost	262	305
Fair Value	$ 262	$ 305

Securities - Gross unrealized l

Securities - Gross unrealized losses on investment securities and the fair value (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	$ 27,188	$ 14,699
Fair Value of more than 12 months	4,675	23
Total Fair Value	31,863	14,722
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(3,955)	(881)
Gross unrealized losses more than 12 months	(1,168)	(1)
Total Gross unrealized losses	(5,123)	(882)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less	363
Fair Value more than 12 months	230	156
Total Fair Value	593	156
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less	(11)
Gross unrealized losses more than 12 months	(5)	(3)
Total Gross unrealized losses	(16)	(3)
Residential mortgage-backed - US agency and GSEs
Fair value of debt securities available-for-sale:
Fair Value of more than 12 months	21	23
Total Fair Value	21	23
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses more than 12 months	(1)	(1)
Total Gross unrealized losses	(1)	(1)
Fair value of debt securities held-to-maturity:
Fair Value 12 months or less	363
Fair Value more than 12 months	230	156
Total Fair Value	593	156
Gross unrealized losses of debt securities held-to-maturity:
Gross unrealized losses 12 months or less	(11)
Gross unrealized losses more than 12 months	(5)	(3)
Total Gross unrealized losses	(16)	(3)
Corporate bonds
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	16,459	9,925
Fair Value of more than 12 months	1,045
Total Fair Value	17,504	9,925
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(2,725)	(812)
Gross unrealized losses more than 12 months	(501)
Total Gross unrealized losses	(3,226)	(812)
State and political subdivisions
Fair value of debt securities available-for-sale:
Fair Value of 12 months or less	10,729	4,774
Fair Value of more than 12 months	3,609
Total Fair Value	14,338	4,774
Gross unrealized losses of debt securities available-for-sale:
Gross unrealized losses 12 months or less	(1,230)	(69)
Gross unrealized losses more than 12 months	(666)
Total Gross unrealized losses	$ (1,896)	$ (69)

Securities - Narrative (Details

Securities - Narrative (Details)	6 Months Ended
Securities - Narrative (Details)	Jun. 30, 2022 USD ($) security
Debt Securities, Available-for-sale [Line Items]
Minimum contractual maturity of mortgage back securities (in years)	20 years
Residential mortgage-backed - US agency and GSEs
Debt Securities, Available-for-sale [Line Items]
Number of securities	16
Each government-backed securities \| Maximum
Debt Securities, Available-for-sale [Line Items]
Unrealized loss \| $	$ 4,700
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Number of securities	105
Bonds issued by corporate entities
Debt Securities, Available-for-sale [Line Items]
Number of securities	7
Aggregate loss \| $	$ 1,900,000

Securities - Amortized cost and

Securities - Amortized cost and estimated fair values of debt securities (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Securities Available-for-Sale, Amortized Cost, Maturity
Due in one year or less	$ 433
Due over one year through five years	3,089
Due over five through ten years	4,329
Due after ten years	30,149
Total	38,000
Residential mortgage-backed securities	28
Total	38,028	$ 36,703
Securities Available-for-Sale, Estimated Fair Value, Maturity
Due in one year or less	428
Due over one year through five years	2,983
Due over five through ten years	3,655
Due after ten years	25,817
Total	32,883
Residential mortgage-backed securities	27
Fair Value	32,910	36,975
Securities Available-for-Sale, Held-to-Maturity, Maturity
Residential mortgage-backed securities	1,016
Debt Securities, Held-to-maturity, Total	1,016	1,128
Securities Held-to-Maturity, Estimated Fair Value, Maturity
Residential mortgage-backed securities	1,004
Fair Value	$ 1,004	$ 1,150

Securities - Gross realized gai

Securities - Gross realized gains (losses) on sales and redemptions (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Securities
Gross realized gains (losses) on sales and redemptions	$ 0	$ 0	$ 0	$ (2,000)
Fair value of securities pledged as collateral	$ 7,772,896		$ 7,772,896		$ 8,775,255

Loans Receivable - Major classi

Loans Receivable - Major classifications of loans (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 267,694		$ 264,658	$ 274,836
Net deferred loan costs	15,685		15,590
Fair value credit and yield adjustment	(252)		(287)
Less: Allowance for loan losses	(2,188)	$ (1,974)	(1,841)	(1,976)	$ (1,881)	$ (1,821)
Loans receivable, net	280,939		278,120
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,454		113,061
Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,454		113,061	119,557
Less: Allowance for loan losses	(690)	(739)	(688)	(611)	(540)	(457)
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	29,683		34,462
Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,829		21,478	22,677
Less: Allowance for loan losses	(516)	(644)	(630)	(376)	(388)	(319)
Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	449		456	405
Less: Allowance for loan losses	(2)	(3)	(2)	(2)	(11)	(26)
Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,405		12,528	18,564
Less: Allowance for loan losses	(240)	(209)	(161)	(563)	(530)	(617)
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	119,557		117,135
Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,829		9,701	9,896
Less: Allowance for loan losses	(49)	(43)	(39)	(46)	(48)	(46)
Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	49,247		47,717	48,055
Less: Allowance for loan losses	(104)	(116)	(102)	(82)	(81)	(76)
Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,569		22,666	22,964
Less: Allowance for loan losses	(126)	(107)	(107)	(143)	(137)	(127)
Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,042		2,096	2,258
Less: Allowance for loan losses	(62)	(64)	(64)	(69)	(71)	(69)
Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	28,059		29,463	25,291
Less: Allowance for loan losses	(347)
Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,811		5,492	5,169
Less: Allowance for loan losses	(52)	$ (49)	(48)	$ (84)	$ (75)	$ (84)
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	255,741		251,512
Net deferred loan costs	15,742		15,650
Less: Allowance for loan losses	(2,188)		(1,841)
Loans receivable, net	269,295		265,321
Originated \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	109,047		102,766
Originated \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	109,047		102,766
Originated \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,910		32,556
Originated \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	16,174		19,734
Originated \| Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	449		456
Originated \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,287		12,366
Originated \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,784		116,190
Originated \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,118		8,840
Originated \| Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	49,247		47,717
Originated \| Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,569		22,666
Originated \| Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,042		2,096
Originated \| Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	28,059		29,463
Originated \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,749		5,408
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,953		13,146
Net deferred loan costs	(57)		(60)
Fair value credit and yield adjustment	(252)		(287)
Loans receivable, net	11,644		12,799
Acquired \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,407		10,295
Acquired \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,407		10,295
Acquired \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,773		1,906
Acquired \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,655		1,744
Acquired \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118		162
Acquired \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	773		945
Acquired \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	711		861
Acquired \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 62		$ 84

Loans Receivable - Loan portfol

Loans Receivable - Loan portfolio (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021	Jun. 30, 2021
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 267,694	$ 264,658	$ 274,836
Loans past due after interest is not received	30 days
Period past due when interest is discontinued	90 days
Contractual performance period of nonaccrual loans to be restored to accrual status	6 months
Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 257,410	253,263
Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,330	5,485
Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,954	5,910
Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,454	113,061
Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	114,858	109,332
Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,080	1,152
Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,516	2,577
Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,454	113,061	119,557
Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	114,858	109,332
Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,080	1,152
Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,516	2,577
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	29,683	34,462
Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	23,912	27,082
Commercial \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,774	4,157
Commercial \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,997	3,223
Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17,829	21,478	22,677
Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	15,339	16,208
Commercial \| Real estate - nonresidential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	354	3,045
Commercial \| Real estate - nonresidential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,136	2,225
Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	449	456	405
Commercial \| Multi-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	449	456
Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,405	12,528	18,564
Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,124	10,418
Commercial \| Commercial business \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,420	1,112
Commercial \| Commercial business \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	861	998
Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	119,557	117,135
Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,640	116,849
Consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	476	176
Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	441	110
Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,829	9,701	9,896
Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,662	9,594
Consumer \| Home equity and junior liens \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	85	41
Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	82	66
Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	49,247	47,717	48,055
Consumer \| Manufactured homes \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,893	47,717
Consumer \| Manufactured homes \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	239
Consumer \| Manufactured homes \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	115
Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,569	22,666	22,964
Consumer \| Automobile \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,406	22,558
Consumer \| Automobile \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	84	64
Consumer \| Automobile \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	79	44
Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,042	2,096	2,258
Consumer \| Student \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,948	2,096
Consumer \| Student \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	94
Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	28,059	29,463	25,291
Consumer \| Recreational Vehicle \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,971	29,424
Consumer \| Recreational Vehicle \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17	39
Consumer \| Recreational Vehicle \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	71
Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,811	5,492	$ 5,169
Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,760	5,460
Consumer \| Other consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	51	32
Originated
Loans and Leases Receivable Disclosure [Line Items]
Total loans	255,741	251,512
Originated \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	245,726	240,394
Originated \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	4,258	5,443
Originated \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	5,757	5,675
Originated \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	109,047	102,766
Originated \| Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	105,685	99,294
Originated \| Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,043	1,110
Originated \| Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,319	2,362
Originated \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	109,047	102,766
Originated \| Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	105,685	99,294
Originated \| Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,043	1,110
Originated \| Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,319	2,362
Originated \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,910	32,556
Originated \| Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,139	25,176
Originated \| Commercial \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,774	4,157
Originated \| Commercial \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,997	3,223
Originated \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	16,174	19,734
Originated \| Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	13,684	14,464
Originated \| Commercial \| Real estate - nonresidential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	354	3,045
Originated \| Commercial \| Real estate - nonresidential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,136	2,225
Originated \| Commercial \| Multi-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	449	456
Originated \| Commercial \| Multi-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	449	456
Originated \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,287	12,366
Originated \| Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	8,006	10,256
Originated \| Commercial \| Commercial business \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,420	1,112
Originated \| Commercial \| Commercial business \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	861	998
Originated \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118,784	116,190
Originated \| Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	117,902	115,924
Originated \| Consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	441	176
Originated \| Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	441	90
Originated \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	10,118	8,840
Originated \| Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,986	8,753
Originated \| Consumer \| Home equity and junior liens \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	50	41
Originated \| Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	82	46
Originated \| Consumer \| Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Total loans	49,247	47,717
Originated \| Consumer \| Manufactured homes \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	48,893	47,717
Originated \| Consumer \| Manufactured homes \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	239
Originated \| Consumer \| Manufactured homes \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	115
Originated \| Consumer \| Automobile
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,569	22,666
Originated \| Consumer \| Automobile \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	22,406	22,558
Originated \| Consumer \| Automobile \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	84	64
Originated \| Consumer \| Automobile \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	79	44
Originated \| Consumer \| Student
Loans and Leases Receivable Disclosure [Line Items]
Total loans	2,042	2,096
Originated \| Consumer \| Student \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,948	2,096
Originated \| Consumer \| Student \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	94
Originated \| Consumer \| Recreational Vehicle
Loans and Leases Receivable Disclosure [Line Items]
Total loans	28,059	29,463
Originated \| Consumer \| Recreational Vehicle \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	27,971	29,424
Originated \| Consumer \| Recreational Vehicle \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	17	39
Originated \| Consumer \| Recreational Vehicle \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	71
Originated \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,749	5,408
Originated \| Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	6,698	5,376
Originated \| Consumer \| Other consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	51	32
Acquired
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,953	13,146
Acquired \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	11,684	12,869
Acquired \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	72	42
Acquired \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	197	235
Acquired \| Residential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,407	10,295
Acquired \| Residential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,173	10,038
Acquired \| Residential \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	37	42
Acquired \| Residential \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	197	215
Acquired \| Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,407	10,295
Acquired \| Residential \| One- to four-family \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	9,173	10,038
Acquired \| Residential \| One- to four-family \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	37	42
Acquired \| Residential \| One- to four-family \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans	197	215
Acquired \| Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,773	1,906
Acquired \| Commercial \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,773	1,906
Acquired \| Commercial \| Real estate - nonresidential
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,655	1,744
Acquired \| Commercial \| Real estate - nonresidential \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	1,655	1,744
Acquired \| Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118	162
Acquired \| Commercial \| Commercial business \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	118	162
Acquired \| Consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	773	945
Acquired \| Consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	738	925
Acquired \| Consumer \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	35
Acquired \| Consumer \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans		20
Acquired \| Consumer \| Home equity and junior liens
Loans and Leases Receivable Disclosure [Line Items]
Total loans	711	861
Acquired \| Consumer \| Home equity and junior liens \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	676	841
Acquired \| Consumer \| Home equity and junior liens \| Special Mention
Loans and Leases Receivable Disclosure [Line Items]
Total loans	35
Acquired \| Consumer \| Home equity and junior liens \| Substandard
Loans and Leases Receivable Disclosure [Line Items]
Total loans		20
Acquired \| Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Total loans	62	84
Acquired \| Consumer \| Other consumer \| Pass
Loans and Leases Receivable Disclosure [Line Items]
Total loans	$ 62	$ 84

Loans Receivable - Non-accrual

Loans Receivable - Non-accrual and Past Due Loans (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021	Jun. 30, 2021
Financing Receivable, Past Due [Line Items]
Loans past due after interest is not received	30 days
Period past due when interest is discontinued	90 days
Contractual performance period of nonaccrual loans to be restored to accrual status	6 months
Total loans	$ 267,694	$ 264,658	$ 274,836
Non-accrual loans	3,280	3,264
Number of loans past due more than ninety days and still accruing	0	0
Total outstanding TDR	2,500	3,000
Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	9,310	10,763
30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	4,657	5,885
60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,373	1,614
90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,280	3,264
Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	258,384	253,895
Residential
Financing Receivable, Past Due [Line Items]
Total loans	118,454	113,061
Non-accrual loans	2,305	2,577
Residential \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,216	6,857
Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,033	3,455
Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	878	825
Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,305	2,577
Residential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	112,238	106,204
Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total loans	118,454	113,061	119,557
Residential \| One- to four-family \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,216	6,857
Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,033	3,455
Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	878	825
Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,305	2,577
Residential \| One- to four-family \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	112,238	106,204
Residential \| 1-4 family first-lien
Financing Receivable, Past Due [Line Items]
Non-accrual loans	2,305	2,577
Commercial
Financing Receivable, Past Due [Line Items]
Total loans	29,683	34,462
Non-accrual loans	534	577
Commercial \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	584	1,001
Commercial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		416
Commercial \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	50	8
Commercial \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	534	577
Commercial \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	29,099	33,461
Commercial \| Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total loans	17,829	21,478	22,677
Non-accrual loans	416	416
Commercial \| Real estate - nonresidential \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	416	805
Commercial \| Real estate - nonresidential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		389
Commercial \| Real estate - nonresidential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	416	416
Commercial \| Real estate - nonresidential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	17,413	20,673
Commercial \| Multi-family
Financing Receivable, Past Due [Line Items]
Total loans	449	456	405
Commercial \| Multi-family \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	449	456
Commercial \| Commercial business
Financing Receivable, Past Due [Line Items]
Total loans	11,405	12,528	18,564
Non-accrual loans	118	161
Commercial \| Commercial business \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	168	196
Commercial \| Commercial business \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Commercial \| Commercial business \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	50	8
Commercial \| Commercial business \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	118	161
Commercial \| Commercial business \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	11,237	12,332
Consumer
Financing Receivable, Past Due [Line Items]
Total loans	119,557	117,135
Non-accrual loans	441	110
Consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,510	2,905
Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,624	2,014
Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	445	781
Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	441	110
Consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	117,047	114,230
Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total loans	10,829	9,701	9,896
Non-accrual loans	82	46
Consumer \| Home equity and junior liens \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	210	246
Consumer \| Home equity and junior liens \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	74	149
Consumer \| Home equity and junior liens \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	54	31
Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	82	66
Consumer \| Home equity and junior liens \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	10,619	9,455
Consumer \| Manufactured homes
Financing Receivable, Past Due [Line Items]
Total loans	49,247	47,717	48,055
Non-accrual loans	115
Consumer \| Manufactured homes \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	994	1,537
Consumer \| Manufactured homes \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	640	922
Consumer \| Manufactured homes \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	239	615
Consumer \| Manufactured homes \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	115
Consumer \| Manufactured homes \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	48,253	46,180
Consumer \| Automobile
Financing Receivable, Past Due [Line Items]
Total loans	22,569	22,666	22,964
Non-accrual loans	79	44
Consumer \| Automobile \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	308	276
Consumer \| Automobile \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	145	168
Consumer \| Automobile \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	84	64
Consumer \| Automobile \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	79	44
Consumer \| Automobile \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	22,261	22,390
Consumer \| Student
Financing Receivable, Past Due [Line Items]
Total loans	2,042	2,096	2,258
Non-accrual loans	94
Consumer \| Student \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	94	95
Consumer \| Student \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		95
Consumer \| Student \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	94
Consumer \| Student \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,948	2,001
Consumer \| Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total loans	28,059	29,463	25,291
Non-accrual loans	71
Consumer \| Recreational Vehicle \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	763	644
Consumer \| Recreational Vehicle \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	675	605
Consumer \| Recreational Vehicle \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	17	39
Consumer \| Recreational Vehicle \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	71
Consumer \| Recreational Vehicle \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	27,296	28,819
Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total loans	6,811	5,492	$ 5,169
Consumer \| Other consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	141	107
Consumer \| Other consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	90	75
Consumer \| Other consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	51	32
Consumer \| Other consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	6,670	5,385
Originated
Financing Receivable, Past Due [Line Items]
Total loans	255,741	251,512
Originated \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	8,857	10,115
Originated \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	4,508	5,540
Originated \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,266	1,546
Originated \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,083	3,029
Originated \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	246,884	241,397
Originated \| Residential
Financing Receivable, Past Due [Line Items]
Total loans	109,047	102,766
Originated \| Residential \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	5,798	6,256
Originated \| Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,884	3,137
Originated \| Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	806	757
Originated \| Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,108	2,362
Originated \| Residential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	103,249	96,510
Originated \| Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total loans	109,047	102,766
Originated \| Residential \| One- to four-family \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	5,798	6,256
Originated \| Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,884	3,137
Originated \| Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	806	757
Originated \| Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,108	2,362
Originated \| Residential \| One- to four-family \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	103,249	96,510
Originated \| Commercial
Financing Receivable, Past Due [Line Items]
Total loans	27,910	32,556
Originated \| Commercial \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	584	974
Originated \| Commercial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		389
Originated \| Commercial \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	50	8
Originated \| Commercial \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	534	577
Originated \| Commercial \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	27,326	31,582
Originated \| Commercial \| Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total loans	16,174	19,734
Originated \| Commercial \| Real estate - nonresidential \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	416	805
Originated \| Commercial \| Real estate - nonresidential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		389
Originated \| Commercial \| Real estate - nonresidential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	416	416
Originated \| Commercial \| Real estate - nonresidential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	15,758	18,929
Originated \| Commercial \| Multi-family
Financing Receivable, Past Due [Line Items]
Total loans	449	456
Originated \| Commercial \| Multi-family \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	449	456
Originated \| Commercial \| Commercial business
Financing Receivable, Past Due [Line Items]
Total loans	11,287	12,366
Originated \| Commercial \| Commercial business \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	168	169
Originated \| Commercial \| Commercial business \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	50	8
Originated \| Commercial \| Commercial business \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	118	161
Originated \| Commercial \| Commercial business \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	11,119	12,197
Originated \| Consumer
Financing Receivable, Past Due [Line Items]
Total loans	118,784	116,190
Originated \| Consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,475	2,885
Originated \| Consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,624	2,014
Originated \| Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	410	781
Originated \| Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	441	90
Originated \| Consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	116,309	113,305
Originated \| Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total loans	10,118	8,840
Originated \| Consumer \| Home equity and junior liens \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	175	226
Originated \| Consumer \| Home equity and junior liens \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	74	149
Originated \| Consumer \| Home equity and junior liens \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	19	31
Originated \| Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	82	46
Originated \| Consumer \| Home equity and junior liens \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	9,943	8,614
Originated \| Consumer \| Manufactured homes
Financing Receivable, Past Due [Line Items]
Total loans	49,247	47,717
Originated \| Consumer \| Manufactured homes \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	994	1,537
Originated \| Consumer \| Manufactured homes \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	640	922
Originated \| Consumer \| Manufactured homes \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	239	615
Originated \| Consumer \| Manufactured homes \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	115
Originated \| Consumer \| Manufactured homes \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	48,253	46,180
Originated \| Consumer \| Automobile
Financing Receivable, Past Due [Line Items]
Total loans	22,569	22,666
Originated \| Consumer \| Automobile \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	308	276
Originated \| Consumer \| Automobile \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	145	168
Originated \| Consumer \| Automobile \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	84	64
Originated \| Consumer \| Automobile \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	79	44
Originated \| Consumer \| Automobile \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	22,261	22,390
Originated \| Consumer \| Student
Financing Receivable, Past Due [Line Items]
Total loans	2,042	2,096
Originated \| Consumer \| Student \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	94	95
Originated \| Consumer \| Student \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		95
Originated \| Consumer \| Student \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	94
Originated \| Consumer \| Student \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,948	2,001
Originated \| Consumer \| Recreational Vehicle
Financing Receivable, Past Due [Line Items]
Total loans	28,059	29,463
Originated \| Consumer \| Recreational Vehicle \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	763	644
Originated \| Consumer \| Recreational Vehicle \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	675	605
Originated \| Consumer \| Recreational Vehicle \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	17	39
Originated \| Consumer \| Recreational Vehicle \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	71
Originated \| Consumer \| Recreational Vehicle \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	27,296	28,819
Originated \| Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total loans	6,749	5,408
Originated \| Consumer \| Other consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	141	107
Originated \| Consumer \| Other consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	90	75
Originated \| Consumer \| Other consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	51	32
Originated \| Consumer \| Other consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	6,608	5,301
Acquired
Financing Receivable, Past Due [Line Items]
Total loans	11,953	13,146
Acquired \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	453	648
Acquired \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	149	345
Acquired \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	107	68
Acquired \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	197	235
Acquired \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	11,500	12,498
Acquired \| Residential
Financing Receivable, Past Due [Line Items]
Total loans	9,407	10,295
Acquired \| Residential \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	418	601
Acquired \| Residential \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	149	318
Acquired \| Residential \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	72	68
Acquired \| Residential \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	197	215
Acquired \| Residential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	8,989	9,694
Acquired \| Residential \| One- to four-family
Financing Receivable, Past Due [Line Items]
Total loans	9,407	10,295
Acquired \| Residential \| One- to four-family \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	418	601
Acquired \| Residential \| One- to four-family \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	149	318
Acquired \| Residential \| One- to four-family \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	72	68
Acquired \| Residential \| One- to four-family \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans	197	215
Acquired \| Residential \| One- to four-family \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	8,989	9,694
Acquired \| Commercial
Financing Receivable, Past Due [Line Items]
Total loans	1,773	1,906
Acquired \| Commercial \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired \| Commercial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired \| Commercial \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,773	1,879
Acquired \| Commercial \| Real estate - nonresidential
Financing Receivable, Past Due [Line Items]
Total loans	1,655	1,744
Acquired \| Commercial \| Real estate - nonresidential \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	1,655	1,744
Acquired \| Commercial \| Commercial business
Financing Receivable, Past Due [Line Items]
Total loans	118	162
Acquired \| Commercial \| Commercial business \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired \| Commercial \| Commercial business \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans		27
Acquired \| Commercial \| Commercial business \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	118	135
Acquired \| Consumer
Financing Receivable, Past Due [Line Items]
Total loans	773	945
Acquired \| Consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	35	20
Acquired \| Consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	35
Acquired \| Consumer \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans		20
Acquired \| Consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	738	925
Acquired \| Consumer \| Home equity and junior liens
Financing Receivable, Past Due [Line Items]
Total loans	711	861
Acquired \| Consumer \| Home equity and junior liens \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans	35	20
Acquired \| Consumer \| Home equity and junior liens \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	35
Acquired \| Consumer \| Home equity and junior liens \| 90 Days or More Past Due
Financing Receivable, Past Due [Line Items]
Loans		20
Acquired \| Consumer \| Home equity and junior liens \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	676	841
Acquired \| Consumer \| Other consumer
Financing Receivable, Past Due [Line Items]
Total loans	62	84
Acquired \| Consumer \| Other consumer \| Total Loans Current
Financing Receivable, Past Due [Line Items]
Loans	$ 62	$ 84

Loans Receivable - Troubled Deb

Loans Receivable - Troubled Debt Restructurings (Details)	3 Months Ended		6 Months Ended
Loans Receivable - Troubled Debt Restructurings (Details)	Jun. 30, 2022 USD ($) loan	Jun. 30, 2021 loan	Jun. 30, 2022 USD ($) loan	Jun. 30, 2021 USD ($) loan	Dec. 31, 2021 USD ($) loan
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts modified as TDR \| loan	0	0	0	7
Current outstanding recorded investment \| $	$ 2,500,000		$ 2,500,000		$ 3,000,000
TDR loans \| loan	9		9		15
Number of Contracts, subsequent default \| loan			0	0
Number of contracts in non-accrual status \| loan			2
Amount of contracts in non-accrual status \| $	$ 14,000		$ 14,000
Residential \| One- to four-family
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts modified as TDR \| loan				4
Pre-Modification outstanding recorded investment \| $				$ 336,000
Post-Modification outstanding recorded investment \| $				$ 336,000
Commercial \| Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts modified as TDR \| loan				3
Pre-Modification outstanding recorded investment \| $				$ 46,000
Post-Modification outstanding recorded investment \| $				$ 46,000

Loans Receivable - Impaired Loa

Loans Receivable - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Recorded Investment
Total:	$ 3,128		$ 3,128		$ 3,187
Unpaid Principal Balance
Total:	3,321		3,321		3,358
Related Allowance	1		1		19
Average Recorded Investment
Total:	3,130	$ 4,605	3,146	$ 4,630
Interest recognized on cash basis	13	31	32	56
Residential \| One- to four-family
Recorded Investment
With no related allowance recorded:	2,445		2,445		2,352
With an allowance recorded:	72		72		224
Total:	2,517		2,517		2,576
Unpaid Principal Balance
With no related allowance recorded:	2,525		2,525		2,423
With an allowance recorded:	72		72		224
Total:	2,597		2,597		2,647
Related Allowance	1		1		7
Average Recorded Investment
Total:	2,518	2,737	2,527	2,750
Interest recognized on cash basis	13	20	31	44
Commercial \| Real estate - nonresidential
Recorded Investment
With no related allowance recorded:	416		416		416
Total:	416		416		416
Unpaid Principal Balance
With no related allowance recorded:	516		516		516
Total:	516		516		516
Average Recorded Investment
Total:	416	1,217	416	1,218
Interest recognized on cash basis		10		10
Commercial \| Commercial business
Recorded Investment
With no related allowance recorded:	113		113		73
With an allowance recorded:					55
Total:	113		113		128
Unpaid Principal Balance
With no related allowance recorded:	126		126		73
With an allowance recorded:					55
Total:	126		126		128
Related Allowance					12
Average Recorded Investment
Total:	114	509	121	519
Interest recognized on cash basis		1	1	2
Consumer \| Home equity and junior liens
Recorded Investment
With no related allowance recorded:	82		82		67
Total:	82		82		67
Unpaid Principal Balance
With no related allowance recorded:	82		82		67
Total:	82		82		$ 67
Average Recorded Investment
Total:	$ 82	139	$ 82	140
Consumer \| Other consumer
Average Recorded Investment
Total:		$ 3		$ 3

Allowance for Loan Loss (Detail

Allowance for Loan Loss (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
Allowance for Loan Loss (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Allowance for loan losses:
Beginning Balance	$ 1,974	$ 1,881	$ 1,841	$ 1,821	$ 1,821
Charge-offs	(38)	(81)	(88)	(189)	(647)
Recoveries	102	41	135	74	127
Provision (credit) for loan losses	150	135	300	270	540
Ending balance	2,188	1,976	2,188	1,976	1,841
Ending balance: related to loans individually evaluated for impairment	1	211	1	211	19
Ending balance: related to loans collectively evaluated for impairment	2,187	1,765	2,187	1,765	1,822
Loans receivable - Ending balance	267,694	274,836	267,694	274,836	264,658
Loans receivable - Ending balance: individually evaluated for impairment	3,128	4,119	3,128	4,119	3,187
Loans receivable - Ending balance: collectively evaluated for impairment	264,566	270,717	264,566	270,717	261,471
Residential
Allowance for loan losses:
Loans receivable - Ending balance	118,454		118,454		113,061
Residential \| One- to four-family
Allowance for loan losses:
Beginning Balance	739	540	688	457	457
Charge-offs	(26)	(74)	(36)	(77)	(117)
Recoveries	1	1	16	2	28
Provision (credit) for loan losses	(24)	144	22	229	320
Ending balance	690	611	690	611	688
Ending balance: related to loans individually evaluated for impairment	1	15	1	15	7
Ending balance: related to loans collectively evaluated for impairment	689	596	689	596	681
Loans receivable - Ending balance	118,454	119,557	118,454	119,557	113,061
Loans receivable - Ending balance: individually evaluated for impairment	2,517	2,613	2,517	2,613	2,576
Loans receivable - Ending balance: collectively evaluated for impairment	115,937	116,944	115,937	116,944	110,485
Commercial
Allowance for loan losses:
Loans receivable - Ending balance	29,683		29,683		34,462
Commercial \| Real estate - nonresidential
Allowance for loan losses:
Beginning Balance	644	388	630	319	319
Charge-offs				(51)	(386)
Recoveries		16		16	16
Provision (credit) for loan losses	(128)	(28)	(114)	92	681
Ending balance	516	376	516	376	630
Ending balance: related to loans collectively evaluated for impairment	516	376	516	376	630
Loans receivable - Ending balance	17,829	22,677	17,829	22,677	21,478
Loans receivable - Ending balance: individually evaluated for impairment	416	862	416	862	416
Loans receivable - Ending balance: collectively evaluated for impairment	17,413	21,815	17,413	21,815	21,062
Commercial \| Multi-family
Allowance for loan losses:
Beginning Balance	3	11	2	26	26
Recoveries		6		12	12
Provision (credit) for loan losses	(1)	(15)		(36)	(36)
Ending balance	2	2	2	2	2
Ending balance: related to loans collectively evaluated for impairment	2	2	2	2	2
Loans receivable - Ending balance	449	405	449	405	456
Loans receivable - Ending balance: collectively evaluated for impairment	449	405	449	405	456
Commercial \| Commercial business
Allowance for loan losses:
Beginning Balance	209	530	161	617	617
Charge-offs	(12)		(12)	(17)	(84)
Recoveries				7	7
Provision (credit) for loan losses	43	33	91	(44)	(379)
Ending balance	240	563	240	563	161
Ending balance: related to loans individually evaluated for impairment		194		194	12
Ending balance: related to loans collectively evaluated for impairment	240	369	240	369	149
Loans receivable - Ending balance	11,405	18,564	11,405	18,564	12,528
Loans receivable - Ending balance: individually evaluated for impairment	113	502	113	502	128
Loans receivable - Ending balance: collectively evaluated for impairment	11,292	18,062	11,292	18,062	12,400
Consumer
Allowance for loan losses:
Loans receivable - Ending balance	119,557		119,557		117,135
Consumer \| Home equity and junior liens
Allowance for loan losses:
Beginning Balance	43	48	39	46	46
Charge-offs				(2)	(2)
Provision (credit) for loan losses	6	(2)	10	2	(5)
Ending balance	49	46	49	46	39
Ending balance: related to loans collectively evaluated for impairment	49	46	49	46	39
Loans receivable - Ending balance	10,829	9,896	10,829	9,896	9,701
Loans receivable - Ending balance: individually evaluated for impairment	82	139	82	139	67
Loans receivable - Ending balance: collectively evaluated for impairment	10,747	9,757	10,747	9,757	9,634
Consumer \| Manufactured homes
Allowance for loan losses:
Beginning Balance	116	81	102	76	76
Provision (credit) for loan losses	(12)	1	2	6	26
Ending balance	104	82	104	82	102
Ending balance: related to loans collectively evaluated for impairment	104	82	104	82	102
Loans receivable - Ending balance	49,247	48,055	49,247	48,055	47,717
Loans receivable - Ending balance: collectively evaluated for impairment	49,247	48,055	49,247	48,055	47,717
Consumer \| Automobile
Allowance for loan losses:
Beginning Balance	107	137	107	127	127
Charge-offs		(4)	(40)	(6)	(12)
Recoveries	99	15	116	25	48
Provision (credit) for loan losses	(80)	(5)	(57)	(3)	(56)
Ending balance	126	143	126	143	107
Ending balance: related to loans collectively evaluated for impairment	126	143	126	143	107
Loans receivable - Ending balance	22,569	22,964	22,569	22,964	22,666
Loans receivable - Ending balance: collectively evaluated for impairment	22,569	22,964	22,569	22,964	22,666
Consumer \| Student
Allowance for loan losses:
Beginning Balance	64	71	64	69	69
Recoveries			1	1	3
Provision (credit) for loan losses	(2)	(2)	(3)	(1)	(8)
Ending balance	62	69	62	69	64
Ending balance: related to loans collectively evaluated for impairment	62	69	62	69	64
Loans receivable - Ending balance	2,042	2,258	2,042	2,258	2,096
Loans receivable - Ending balance: collectively evaluated for impairment	2,042	2,258	2,042	2,258	2,096
Consumer \| Recreational Vehicle
Allowance for loan losses:
Charge-offs					(1)
Recoveries				7	8
Provision (credit) for loan losses	347		347	(7)	(7)
Ending balance	347		347
Ending balance: related to loans collectively evaluated for impairment	347		347
Loans receivable - Ending balance	28,059	25,291	28,059	25,291	29,463
Loans receivable - Ending balance: collectively evaluated for impairment	28,059	25,291	28,059	25,291	29,463
Consumer \| Other consumer
Allowance for loan losses:
Beginning Balance	49	75	48	84	84
Charge-offs		(3)		(36)	(45)
Recoveries	2	3	2	4	5
Provision (credit) for loan losses	1	9	2	32	4
Ending balance	52	84	52	84	48
Ending balance: related to loans individually evaluated for impairment		2		2
Ending balance: related to loans collectively evaluated for impairment	52	82	52	82	48
Loans receivable - Ending balance	6,811	5,169	6,811	5,169	5,492
Loans receivable - Ending balance: individually evaluated for impairment		3		3
Loans receivable - Ending balance: collectively evaluated for impairment	$ 6,811	$ 5,166	$ 6,811	$ 5,166	$ 5,492

Employee Benefit Plans - Define

Employee Benefit Plans - Defined Benefit Plan - Components of net periodic pension benefit (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($) plan	Jun. 30, 2021 USD ($)
Net periodic expenses recognized in income:
Number of benefit pension plans \| plan			2
Generations Bank Plan
Net periodic expenses recognized in income:
Service cost	$ 108	$ 114	$ 216	$ 229
Interest cost	103	105	205	210
Expected return on plan assets	(384)	(370)	(768)	(740)
Amortization of net losses		29		57
Net periodic pension benefit	(173)	(122)	(347)	(244)
Medina Savings and Loan Plan
Net periodic expenses recognized in income:
Service cost	8	7	16	15
Interest cost	27	33	55	65
Expected return on plan assets	(115)	(116)	(230)	(232)
Net periodic pension benefit	$ (80)	$ (76)	$ (159)	$ (152)

Stock-Based Compensation - Stoc

Stock-Based Compensation - Stock option activity (Details) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Grants	132,977	0	132,977	0
Outstanding at quarter end	132,977		132,977
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Grants	$ 11.61		$ 11.61
Outstanding at quarter end	$ 11.61		$ 11.61

Stock-Based Compensation - Addi

Stock-Based Compensation - Additional information (Details) - USD ($)	3 Months Ended	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		5 years
Share-Based Payment Arrangement, Grantee Status [Extensible Enumeration]		us-gaap:ShareBasedPaymentArrangementNonemployeeMember
Stock based compensation expense	$ 11,000	$ 11,000
Restricted shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares granted to directors		53,191
Stock based compensation expense	$ 12,000	$ 12,000

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 10, 2020
Actual amount
Common Equity Tier 1 Capital,	$ 40,775	$ 41,287
Total Capital (to Risk-Weighted Assets)	42,963	43,128
Tier 1 Capital* (to Risk-Weighted Assets)	40,775	41,287
Core Capital (to Total Adjusted Assets)	$ 40,775	$ 41,287
Actual Ratio
Common Equity Tier 1 Capital	14.45	14.82
Total Capital (to Risk-Weighted Assets)	15.23	15.48
Tier 1 Capital* (to Risk-Weighted Assets)	14.45	14.82
Core Capital (to Total Adjusted Assets)	11.02	10.99
Excess capital to risk weighted assets	10	10
Minimum For Capital Adequacy Purposes, Amount
Common Equity Tier 1 Capital,	$ 12,697	$ 12,534
Total Capital (to Risk-Weighted Assets)	22,572	22,282
Tier 1 Capital* (to Risk-Weighted Assets)	16,929	16,712
Core Capital (to Total Adjusted Assets)	$ 14,801	$ 15,034
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,	$ 18,340	$ 18,104
Total Capital (to Risk-Weighted Assets)	28,216	27,853
Tier 1 Capital* (to Risk-Weighted Assets)	22,572	22,282
Core Capital (to Total Adjusted Assets)	$ 18,501	$ 18,792
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	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Commitments and Contingencies
Loan commitments with fixed interest rate	$ 11,600	$ 3,800
Loan commitments with variable interest rate	17,000	15,300
Commitments to grant loans
Commitments and Contingencies
Credit risk for financial instruments	9,771	3,524
Unfunded commitments under lines of credit
Commitments and Contingencies
Credit risk for financial instruments	$ 18,834	$ 15,568

Commitments and Contingencies_2

Commitments and Contingencies - Commitments to Originate (Details) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Commitments and Contingencies
Outstanding principal balance	$ 280,939,000	$ 278,120,000
MPF Program
Commitments and Contingencies
Outstanding principal balance	9,200,000
Recourse back to bank for loans sold	707,000,000,000
First loss account allocated to bank	90,000
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 ($)	6 Months Ended		12 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Commitments and Contingencies
Operating lease expense	$ 0	$ 19,000	$ 19,000
Future minimum lease commitments
Future minimum lease commitments	$ 0

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Revenue from Contracts with Customers
Revenues	$ 525	$ 597	$ 1,095	$ 1,143
Service charges on deposit accounts
Revenue from Contracts with Customers
Revenues	158	131	308	266
Debit card interchange and surcharge income
Revenue from Contracts with Customers
Revenues	194	232	382	443
Insurance commission and fees
Revenue from Contracts with Customers
Revenues	101	201	298	375
Loan servicing fees
Revenue from Contracts with Customers
Revenues	$ 72	$ 33	$ 107	$ 59

Fair Value Disclosures - Carryi

Fair Value Disclosures - Carrying amount and estimated fair value (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Financial assets:
Investment securities available-for-sale, at fair value	$ 32,910	$ 36,975
Securities held-to-maturity	1,004	1,150
Carrying Value
Financial assets:
Cash and cash equivalents	12,955	20,997
Interest-bearing time deposits in banks	650	650
Investment securities available-for-sale, at fair value	32,910	36,975
Securities held-to-maturity	1,016	1,128
Equity securities	299	350
Loans receivable	280,939	278,120
FHLB stock	1,217	1,450
Accrued interest receivable	1,162	1,249
Financial liabilities:
Deposits	311,554	312,049
Long-term borrowings	14,228	17,760
Accrued interest payable	37	35
Fair Value
Financial assets:
Cash and cash equivalents	12,955	20,997
Interest-bearing time deposits in banks	650	650
Investment securities available-for-sale, at fair value	32,910	36,975
Securities held-to-maturity	1,004	1,150
Equity securities	299	350
Loans receivable	279,948	281,502
FHLB stock	1,217	1,450
Accrued interest receivable	1,162	1,249
Financial liabilities:
Deposits	302,821	313,970
Long-term borrowings	19,623	21,985
Accrued interest payable	37	35
Level 1 \| Fair Value
Financial assets:
Cash and cash equivalents	12,955	20,997
Equity securities	299	350
Accrued interest receivable	1,162	1,249
Financial liabilities:
Deposits	94,088	94,709
Accrued interest payable	37	35
Level 2 \| Fair Value
Financial assets:
Interest-bearing time deposits in banks	650	650
Investment securities available-for-sale, at fair value	31,058	33,965
Securities held-to-maturity	1,004	1,150
FHLB stock	1,217	1,450
Financial liabilities:
Long-term borrowings	19,623	21,985
Level 3 \| Fair Value
Financial assets:
Investment securities available-for-sale, at fair value	1,852	3,010
Loans receivable	279,948	281,502
Financial liabilities:
Deposits	$ 208,733	$ 219,261

Fair Value Disclosures - Fair v

Fair Value Disclosures - Fair value on a recurring basis (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Securities available-for-sale:
Debt investment securities	$ 32,910	$ 36,975
Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	27	33
Corporate bonds
Securities available-for-sale:
Debt investment securities	17,727	18,043
Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	33,209	37,325
Recurring \| Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	27	33
Recurring \| Corporate bonds
Securities available-for-sale:
Debt investment securities	17,727	18,043
Recurring \| Municipal bonds
Securities available-for-sale:
Debt investment securities	15,156	18,899
Recurring \| Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	37	45
Recurring \| Other mutual funds
Equity securities:
Equity investment securities, at fair value	262	305
Level 1 \| Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	299	350
Level 1 \| Recurring \| Large cap equity mutual fund
Equity securities:
Equity investment securities, at fair value	37	45
Level 1 \| Recurring \| Other mutual funds
Equity securities:
Equity investment securities, at fair value	262	305
Level 2 \| Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	31,058	33,965
Level 2 \| Recurring \| Residential mortgage-backed - US agency and GSEs
Securities available-for-sale:
Debt investment securities	27	33
Level 2 \| Recurring \| Corporate bonds
Securities available-for-sale:
Debt investment securities	17,727	18,043
Level 2 \| Recurring \| Municipal bonds
Securities available-for-sale:
Debt investment securities	13,304	15,889
Level 3 \| Recurring
Equity securities:
Investments, Fair Value Disclosure, Total	1,852	3,010
Level 3 \| Recurring \| Municipal bonds
Securities available-for-sale:
Debt investment securities	$ 1,852	$ 3,010

Fair Value Disclosures - Change

Fair Value Disclosures - Changes in Level 3 assets measured at estimated fair value on a recurring basis (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Changes in Level 3 assets measured at estimated fair value on a recurring basis
Beginning balance	$ 3,010	$ 3,174
Included in other comprehensive income	(236)	197
Purchases	85	826
Principal payments	(1,007)	(1,017)
Ending balance	$ 1,852	$ 3,180

Fair Value Disclosures - Summar

Fair Value Disclosures - Summarize assets measured at fair value on a nonrecurring basis (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	$ 3,128	$ 3,187
Non - recurring
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	72	279
Foreclosed real estate & repossessed assets	69	27
Non - recurring \| Level 3
Summarize assets measured at fair value on a nonrecurring basis
Impaired loans	72	279
Foreclosed real estate & repossessed assets	$ 69	$ 27

Fair Value Disclosures - Transf

Fair Value Disclosures - Transfers of assets in or out of any fair value measurement level (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
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 - Recurring basis (Details) - Recurring - Weighted Average - Costs to Sell	Jun. 30, 2022	Dec. 31, 2021
Principal and interest payments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other investments	0	0
Carrying value.
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Other investments	1	1

Fair Value Disclosures - Quan_2

Fair Value Disclosures - Quantitative information about Level 3 fair value measurements for assets - Non recurring basis (Details) - Non - recurring - Appraisal of collateral	Jun. 30, 2022	Dec. 31, 2021
Maximum \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.35	0.35
Maximum \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.15	0.15
Maximum \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.20	0.20
Maximum \| Residential \| 1-4 family residential \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.35	0.35
Maximum \| Residential \| 1-4 family residential \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.15	0.15
Maximum \| Commercial and industrial \| Other loans \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.35	0.35
Maximum \| Commercial and industrial \| Other loans \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.15	0.15
Maximum \| Commercial and industrial \| Other loans \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.20	0.20
Minimum \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.05	0.05
Minimum \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.05	0.05
Minimum \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.10	0.10
Minimum \| Residential \| 1-4 family residential \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum \| Residential \| 1-4 family residential \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum \| Commercial and industrial \| Other loans \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum \| Commercial and industrial \| Other loans \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.05	0.05
Minimum \| Commercial and industrial \| Other loans \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.10	0.10
Weighted Average \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.25	0.25
Weighted Average \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.10	0.10
Weighted Average \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate & repossessed assets	0.15	0.15
Weighted Average \| Residential \| 1-4 family residential \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.20	0.20
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
Weighted Average \| Commercial and industrial \| Other loans \| Appraisal Adjustments
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.25	0.25
Weighted Average \| Commercial and industrial \| Other loans \| Costs to Sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.10	0.10
Weighted Average \| Commercial and industrial \| Other loans \| Changes in property condition
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	0.15	0.15

Segment Information (Details)

Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
Segment Information (Details) $ in Thousands	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($) segment	Jun. 30, 2021 USD ($) segment	Dec. 31, 2021 USD ($)
Segment Reporting Information [Line Items]
Number of Reportable Segments \| segment			3	3
Net interest income	$ 2,822	$ 2,929	$ 5,717	$ 5,772
Provision for loan losses	150	135	300	270
Net interest income after provision for loan losses	2,672	2,794	5,417	5,502
Total noninterest income	567	720	1,183	1,332
Compensation and benefits	1,163	1,342	2,398	2,601
Other noninterest expense	(273)	(317)	(576)	(581)
Income before income taxes	412	448	883	880
Income tax expense	67	79	142	158
Net income	345	369	741	722
Total assets	369,672		369,672		$ 378,949
Operating segment
Segment Reporting Information [Line Items]
Net interest income	2,822	2,929	5,717	5,772
Provision for loan losses	150	135	300	270
Net interest income after provision for loan losses	2,672	2,794	5,417	5,502
Total noninterest income	567	720	1,183	1,332
Compensation and benefits	(1,163)	(1,342)	(2,398)	(2,601)
Other noninterest expense	(1,664)	(1,724)	(3,319)	(3,353)
Income before income taxes	412	448	883	880
Income tax expense	67	79	142	158
Net income	345	369	741	722
Total assets	384,019		384,019		395,225
Operating segment \| Community Banking Activities
Segment Reporting Information [Line Items]
Net interest income	2,757	2,866	5,592	5,646
Provision for loan losses	150	135	300	270
Net interest income after provision for loan losses	2,607	2,731	5,292	5,376
Total noninterest income	469	508	890	947
Compensation and benefits	(1,144)	(1,252)	(2,293)	(2,410)
Other noninterest expense	(1,642)	(1,661)	(3,246)	(3,222)
Income before income taxes	290	326	643	691
Income tax expense	60	73	128	145
Net income	230	253	515	546
Operating segment \| Insurance Activities
Segment Reporting Information [Line Items]
Total noninterest income	98	212	293	385
Compensation and benefits	(19)	(90)	(105)	(191)
Other noninterest expense	(3)	(31)	(33)	(68)
Income before income taxes	76	91	155	126
Net income	76	91	155	126
Operating segment \| Municipal Banking Activities
Segment Reporting Information [Line Items]
Net interest income	65	63	125	126
Net interest income after provision for loan losses	65	63	125	126
Other noninterest expense	(19)	(32)	(40)	(63)
Income before income taxes	46	31	85	63
Income tax expense	7	6	14	13
Net income	39	$ 25	71	$ 50
Elimination of intercompany balances
Segment Reporting Information [Line Items]
Total assets	$ (14,347)		$ (14,347)		$ (16,276)