AmeriServ Financial (ASRV) 10-Q 10 Aug 20 2020 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2020	Aug. 01, 2020
Document Information [Line Items]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q2
Entity Registrant Name	AMERISERV FINANCIAL INC /PA/
Entity Central Index Key	0000707605
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Current Reporting Status	Yes
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding		17,058,644
COMMON STOCK
Document Information [Line Items]
Trading Symbol	ASRV
Title of 12(b) Security	Common Stock
Security Exchange Name	NASDAQ
Beneficial Unsecured Securities
Document Information [Line Items]
Trading Symbol	ASRVP
Title of 12(b) Security	Beneficial Unsecured Securities
Security Exchange Name	NASDAQ

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from depository institutions	$ 16,521	$ 15,642
Interest bearing deposits	2,779	2,755
Short-term investments	27,440	3,771
Total cash and cash equivalents	46,740	22,168
Investment securities:
Available for sale, at fair value	143,359	141,749
Held to maturity (fair value $43,989 on June 30, 2020 and $41,082 on December 31, 2019)	41,549	39,936
Loans held for sale	8,189	4,868
Loans	921,730	883,090
Less: Unearned income	1,569	384
Allowance for loan losses	9,699	9,279
Net loans	910,462	873,427
Premises and equipment:
Operating lease right-of-use asset	803	846
Financing lease right-of-use asset	3,006	3,078
Other premises and equipment, net	14,572	14,643
Accrued interest income receivable	4,647	3,449
Goodwill	11,944	11,944
Bank owned life insurance	39,193	38,916
Net deferred tax asset	3,151	3,976
Federal Home Loan Bank stock	3,818	3,985
Federal Reserve Bank stock	2,125	2,125
Other assets	8,516	6,074
TOTAL ASSETS	1,242,074	1,171,184
LIABILITIES
Non-interest bearing deposits	189,013	136,462
Interest bearing deposits	844,020	824,051
Total deposits	1,033,033	960,513
Short-term borrowings	7,558	22,412
Advances from Federal Home Loan Bank	62,336	53,668
Operating lease liabilities	821	865
Financing lease liabilities	3,126	3,163
Guaranteed junior subordinated deferrable interest debentures, net	12,962	12,955
Subordinated debt, net	7,522	7,511
Total borrowed funds	94,325	100,574
Other liabilities	12,112	11,483
TOTAL LIABILITIES	1,139,470	1,072,570
SHAREHOLDERS' EQUITY
Common stock, par value $0.01 per share; 30,000,000 shares authorized; 26,687,463 shares issued and 17,058,644 shares outstanding on June 30, 2020; 26,650,728 shares issued and 17,057,871 shares outstanding on December 31, 2019	267	267
Treasury stock at cost, 9,628,819 shares on June 30, 2020 and 9,592,857 shares on December 31, 2019	(83,280)	(83,129)
Capital surplus	145,965	145,888
Retained earnings	53,723	51,759
Accumulated other comprehensive loss, net	(14,071)	(16,171)
TOTAL SHAREHOLDERS' EQUITY	102,604	98,614
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,242,074	$ 1,171,184

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
CONSOLIDATED BALANCE SHEETS
Held to maturity securities, fair value	$ 43,989	$ 41,082
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	30,000,000	30,000,000
Common stock, shares issued	26,687,463	26,650,728
Common stock, shares outstanding	17,058,644	17,057,871
Treasury stock, shares	9,628,819	9,592,857

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
INTEREST INCOME
Interest and fees on loans	$ 10,448	$ 10,994	$ 20,780	$ 21,412
Interest bearing deposits	3	7	7	13
Short-term investments	96	59	168	128
Investment securities:
Available for sale	1,159	1,314	2,342	2,633
Held to maturity	355	391	708	743
Total Interest Income	12,061	12,765	24,005	24,929
INTEREST EXPENSE
Deposits	1,869	2,867	4,327	5,597
Short-term borrowings	4	136	16	238
Advances from Federal Home Loan Bank	276	261	560	496
Financing lease liabilities	28	29	57	59
Guaranteed junior subordinated deferrable interest debentures	281	281	561	561
Subordinated debt	130	130	260	260
Total Interest Expense	2,588	3,704	5,781	7,211
NET INTEREST INCOME	9,473	9,061	18,224	17,718
Provision (credit) for loan losses	450	0	625	(400)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	9,023	9,061	17,599	18,118
NON-INTEREST INCOME
Wealth management fees	2,471	2,419	5,025	4,815
Service charges on deposit accounts	176	317	462	627
Net gains on sale of loans	335	107	572	169
Mortgage related fees	145	77	271	121
Net realized gains on investment securities	0	30	0	30
Bank owned life insurance	152	129	277	257
Other income	488	578	992	1,243
Total Non-Interest Income	3,767	3,657	7,599	7,262
NON-INTEREST EXPENSE
Salaries and employee benefits	6,619	6,348	13,323	12,649
Net occupancy expense	606	622	1,277	1,280
Equipment expense	389	387	784	748
Professional fees	1,331	1,249	2,485	2,369
Supplies, postage and freight	222	140	401	313
Miscellaneous taxes and insurance	289	294	564	571
Federal deposit insurance expense	130	80	156	160
Other expense	1,420	1,336	2,649	2,659
Total Non-Interest Expense	11,006	10,456	21,639	20,749
PRETAX INCOME	1,784	2,262	3,559	4,631
Provision for income tax expense	365	470	731	961
NET INCOME	$ 1,419	$ 1,792	$ 2,828	$ 3,670
Basic:
Net income	$ 0.08	$ 0.10	$ 0.17	$ 0.21
Average number of shares outstanding	17,052	17,476	17,047	17,527
Diluted:
Net income	$ 0.08	$ 0.10	$ 0.17	$ 0.21
Average number of shares outstanding	17,056	17,560	17,070	17,611

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
COMPREHENSIVE INCOME
Net income	$ 1,419	$ 1,792	$ 2,828	$ 3,670
Other comprehensive income (loss), before tax:
Pension obligation change for defined benefit plan	0	403	528	(1,433)
Income tax effect	0	(85)	(111)	301
Unrealized holding gains on available for sale securities arising during period	961	1,820	2,131	3,583
Income tax effect	(202)	(382)	(448)	(752)
Reclassification adjustment for gains on available for sale securities included in net income	0	(30)	0	(30)
Income tax effect	0	6	0	6
Other comprehensive income	759	1,732	2,100	1,675
Comprehensive income	$ 2,178	$ 3,524	$ 4,928	$ 5,345

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	COMMON STOCK	TREASURY STOCK	CAPITAL SURPLUS	RETAINED EARNINGS	ACCUMULATED OTHER COMPREHENSIVE LOSS, NET	Total
Balance at beginning of period at Dec. 31, 2018	$ 266	$ (80,579)	$ 145,782	$ 46,733	$ (14,225)
New common shares issued for exercise of stock options	0		96
Treasury stock, purchased at cost (161,554 shares for the three months ended June 30, 2019 and 35,962 and 273,865 shares for the six months ended June 30, 2020 and 2019, respectively)		(1,162)
Stock option expense			5
Net income				3,670		$ 3,670
Cash dividend declared on common stock ($0.025 per share for the three months ended June 30, 2020 and 2019 and $0.050 and $0.045 per share for the six months ended June 30, 2020 and 2019, respectively)				(785)
Other comprehensive income					1,675	1,675
Balance at end of period at Jun. 30, 2019	266	(81,741)	145,883	49,618	(12,550)	101,476
Balance at beginning of period at Mar. 31, 2019	266	(81,055)	145,870	48,262	(14,282)
New common shares issued for exercise of stock options	0		11
Treasury stock, purchased at cost (161,554 shares for the three months ended June 30, 2019 and 35,962 and 273,865 shares for the six months ended June 30, 2020 and 2019, respectively)		(686)
Stock option expense			2
Net income				1,792		1,792
Cash dividend declared on common stock ($0.025 per share for the three months ended June 30, 2020 and 2019 and $0.050 and $0.045 per share for the six months ended June 30, 2020 and 2019, respectively)				(436)
Other comprehensive income					1,732	1,732
Balance at end of period at Jun. 30, 2019	266	(81,741)	145,883	49,618	(12,550)	101,476
Balance at beginning of period at Dec. 31, 2019	267	(83,129)	145,888	51,759	(16,171)	98,614
New common shares issued for exercise of stock options	0		75
Treasury stock, purchased at cost (161,554 shares for the three months ended June 30, 2019 and 35,962 and 273,865 shares for the six months ended June 30, 2020 and 2019, respectively)		(151)
Stock option expense			2
Net income				2,828		2,828
Cash dividend declared on common stock ($0.025 per share for the three months ended June 30, 2020 and 2019 and $0.050 and $0.045 per share for the six months ended June 30, 2020 and 2019, respectively)				(864)
Other comprehensive income					2,100	2,100
Balance at end of period at Jun. 30, 2020	267	(83,280)	145,965	53,723	(14,071)	102,604
Balance at beginning of period at Mar. 31, 2020	267	(83,280)	145,938	52,745	(14,830)
New common shares issued for exercise of stock options	0		26
Treasury stock, purchased at cost (161,554 shares for the three months ended June 30, 2019 and 35,962 and 273,865 shares for the six months ended June 30, 2020 and 2019, respectively)		0
Stock option expense			1
Net income				1,419		1,419
Cash dividend declared on common stock ($0.025 per share for the three months ended June 30, 2020 and 2019 and $0.050 and $0.045 per share for the six months ended June 30, 2020 and 2019, respectively)				(441)
Other comprehensive income					759	759
Balance at end of period at Jun. 30, 2020	$ 267	$ (83,280)	$ 145,965	$ 53,723	$ (14,071)	$ 102,604

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Treasury stock, purchased at cost, shares		161,554
COMMON STOCK
New common shares issued for exercise of stock options, shares	15,000	5,233	36,735	38,917
TREASURY STOCK
Treasury stock, purchased at cost, shares			35,962	273,865
CAPITAL SURPLUS
New common shares issued for exercise of stock options, shares	15,000	5,233	36,735	38,917
RETAINED EARNINGS
Cash dividend declared per common share	$ 0.025	$ 0.025	$ 0.050	$ 0.045

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
OPERATING ACTIVITIES
Net income	$ 2,828	$ 3,670
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision (credit) for loan losses	625	(400)
Depreciation and amortization expense	993	927
Net amortization of investment securities	120	133
Net realized gains on investment securities - available for sale	0	(30)
Net gains on loans held for sale	(572)	(169)
Amortization of deferred loan fees	(149)	(60)
Origination of mortgage loans held for sale	(44,171)	(11,437)
Sales of mortgage loans held for sale	41,422	11,129
Increase in accrued interest receivable	(1,198)	(427)
Increase (decrease) in accrued interest payable	(347)	167
Earnings on bank owned life insurance	(277)	(257)
Deferred income taxes	704	685
Stock compensation expense	2	5
Net change in operating leases	(44)	(25)
Other, net	(1,378)	214
Net cash provided by (used in) operating activities	(1,442)	4,125
INVESTING ACTIVITIES
Purchase of investment securities - available for sale	(16,229)	(10,663)
Purchase of investment securities - held to maturity	(3,268)	0
Proceeds from sales of investment securities - available for sale	0	530
Proceeds from maturities of investment securities - available for sale	16,664	9,263
Proceeds from maturities of investment securities - held to maturity	1,620	971
Purchase of regulatory stock	(4,635)	(8,977)
Proceeds from redemption of regulatory stock	4,802	8,734
Long-term loans originated	(147,844)	(126,641)
Principal collected on long-term loans	110,333	99,982
Proceeds from sale of other real estate owned	21	198
Purchase of premises and equipment	(744)	(2,214)
Net cash used in investing activities	(39,280)	(28,817)
FINANCING ACTIVITIES
Net increase in deposit balances	72,520	19,309
Net decrease in other short-term borrowings	(14,854)	(5,839)
Principal borrowings on advances from Federal Home Loan Bank	19,210	8,403
Principal repayments on advances from Federal Home Loan Bank	(10,542)	(2,000)
Principal payments on financing lease liabilities	(100)	(83)
Stock options exercised	75	96
Purchase of treasury stock	(151)	(1,162)
Common stock dividends	(864)	(785)
Net cash provided by financing activities	65,294	17,939
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	24,572	(6,753)
CASH AND CASH EQUIVALENTS AT JANUARY 1	22,168	34,894
CASH AND CASH EQUIVALENTS AT JUNE 30	$ 46,740	$ 28,141

Principles of Consolidation

Principles of Consolidation	6 Months Ended
	Jun. 30, 2020
Principles of Consolidation
Principles of Consolidation	1. Principles of Consolidation The accompanying consolidated financial statements include the accounts of AmeriServ Financial, Inc. (the Company) and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), AmeriServ Trust and Financial Services Company (the Trust Company), and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a Pennsylvania state-chartered full service bank with 15 locations in Pennsylvania and 1 location in Maryland. The Trust Company offers a complete range of trust and financial services and administers assets valued at $2.2 billion that are not reported on the Company’s Consolidated Balance Sheets at June 30, 2020. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance. In addition, the Parent Company is an administrative group that provides support in such areas as audit, finance, investments, loan review, general services, and marketing. Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company’s most significant estimates relate to the allowance for loan losses, goodwill, income taxes, investment securities, pension, and the fair value of financial instruments.

Basis of Preparation

Basis of Preparation	6 Months Ended
	Jun. 30, 2020
Basis of Preparation
Basis of Preparation	2. Basis of Preparation The unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information. In the opinion of management, all adjustments consisting of normal recurring entries considered necessary for a fair presentation have been included. They are not, however, necessarily indicative of the results of consolidated operations for a full-year. For further information, refer to the consolidated financial statements and accompanying notes included in the Company’s Annual Report on Form 10‑K for the year ended December 31, 2019.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	6 Months Ended
	Jun. 30, 2020
Recent Accounting Pronouncements
Recent Accounting Pronouncements	3. Recent Accounting Pronouncements In June 2016, the FASB issued ASU 2016‑13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments (ASU 2016‑13), which changes the impairment model for most financial assets. This Update is intended to improve financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by financial institutions and other organizations. The underlying premise of the Update is that financial assets measured at amortized cost should be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The allowance for credit losses should reflect management’s current estimate of credit losses that are expected to occur over the remaining life of a financial asset. The income statement will be affected for the measurement of credit losses for newly recognized financial assets, as well as the expected increases or decreases of expected credit losses that have taken place during the period. With certain exceptions, transition to the new requirements will be through a cumulative effect adjustment to opening retained earnings as of the beginning of the first reporting period in which the guidance is adopted. In November 2019, the FASB issued ASU 2019-10, Financial Instruments - Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) . This update defers the effective date of ASU 2016-13 for SEC filers that are eligible to be smaller reporting companies , non-SEC filers, and all other companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. The Company, as a smaller reporting company, continues to evaluate the impact that the Update will have on our consolidated financial statements. We are currently working with an industry leading third-party consultant and software provider to assist us in the implementation of this standard. We expect to recognize a one-time cumulative effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated financial statements. The overall impact of the amendment will be affected by the portfolio composition and quality at the adoption date as well as economic conditions and forecasts at that time.

Revenue Recognition

Revenue Recognition	6 Months Ended
	Jun. 30, 2020
Revenue Recognition
Revenue Recognition	4. Revenue Recognition ASU 2014-09, Revenue from Contracts with Customers – Topic 606 , requires the Company to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers at the time the transfer of goods or services takes place. Management determined that the primary sources of revenue associated with financial instruments, including interest and fee income on loans and interest on investments, along with certain noninterest revenue sources including net realized gains (losses) on investment securities, mortgage related fees, net gains on loans held for sale, and bank owned life insurance are not within the scope of Topic 606. These sources of revenue cumulatively comprise 80.2% of the total revenue of the Company. Non-interest income within the scope of Topic 606 are as follows: · Wealth management fees - Wealth management fee income is primarily comprised of fees earned from the management and administration of trusts and customer investment portfolios. The Company’s performance obligation is generally satisfied over a period of time and the resulting fees are billed monthly or quarterly, based upon the month end market value of the assets under management. Payment is generally received after month end through a direct charge to customers’ accounts. Due to this delay in payment, a receivable of $825,000 has been established as of June 30, 2020 and is included in other assets on the Consolidated Balance Sheets in order to properly recognize the revenue earned but not yet received. Other performance obligations (such as delivery of account statements to customers) are generally considered immaterial to the overall transactions’ price. Commissions on transactions are recognized on a trade-date basis as the performance obligation is satisfied at the point in time in which the trade is processed. Also included within wealth management fees are commissions from the sale of mutual funds, annuities, and life insurance products. Commissions on the sale of mutual funds, annuities, and life insurance products are recognized when sold, which is when the Company has satisfied its performance obligation. · Service charges on deposit accounts - The Company has contracts with its deposit account customers where fees are charged for certain items or services. Service charges include account analysis fees, monthly service fees, overdraft fees, and other deposit account related fees. Revenue related to account analysis fees and service fees is recognized on a monthly basis as the Company has an unconditional right to the fee consideration. Fees attributable to specific performance obligations of the Company (i.e. overdraft fees, etc.) are recognized at a defined point in time based on completion of the requested service or transaction. · Other non-interest income - Other non-interest income consists of other recurring revenue streams such as safe deposit box rental fees, gain (loss) on sale of other real estate owned and other miscellaneous revenue streams. Safe deposit box rental fees are charged to the customer on an annual basis and recognized when billed. However, if the safe deposit box rental fee is prepaid (i.e. paid prior to issuance of annual bill), the revenue is recognized upon receipt of payment. The Company has determined that since rentals and renewals occur consistently over time, revenue is recognized on a basis consistent with the duration of the performance obligation. Gains and losses on the sale of other real estate owned are recognized at the completion of the property sale when the buyer obtains control of the real estate and all the performance obligations of the Company have been satisfied. The following presents non-interest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three and six month periods ending June 30, 2020 and 2019 (in thousands). Three months ended Six months ended June 30, June 30, 2020 2019 2020 2019 Non-interest income: In-scope of Topic 606 Wealth management fees $ 2,471 $ 2,419 $ 5,025 $ 4,815 Service charges on deposit accounts 176 317 462 627 Other 396 435 786 854 Non-interest income (in-scope of Topic 606) 3,043 3,171 6,273 6,296 Non-interest income (out-of-scope of Topic 606) 724 486 1,326 966 Total non-interest income $ 3,767 $ 3,657 $ 7,599 $ 7,262

Earnings Per Common Share

Earnings Per Common Share	6 Months Ended
	Jun. 30, 2020
Earnings Per Common Share
Earnings Per Common Share	5. Earnings Per Common Share Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are excluded for earnings per share purposes. For the three month periods ending June 30, 2020 and 2019, options to purchase 216,759 common shares, with an exercise price of $2.96 to $4.22, and options to purchase 12,000 common shares, with an exercise price of $4.19 to $4.22, respectively, were outstanding but were not included in the computation of diluted earnings per common share because to do so would be antidilutive. For the six month periods ending June 30, 2020 and 2019, options to purchase 29,500 common shares, with an exercise price of $3.90 to $4.22, and options to purchase 12,000 common shares, with an exercise price of $4.19 to $4.22, respectively, were outstanding but were not included in the computation of diluted earnings per common share because to do so would be antidilutive. Three months ended Six months ended June 30, June 30, 2020 2019 2020 2019 (In thousands, except per share data) Numerator: Net income $ 1,419 $ 1,792 $ 2,828 $ 3,670 Denominator: Weighted average common shares outstanding (basic) 17,052 17,476 17,047 17,527 Effect of stock options 4 84 23 84 Weighted average common shares outstanding (diluted) 17,056 17,560 17,070 17,611 Earnings per common share: Basic $ 0.08 $ 0.10 $ 0.17 $ 0.21 Diluted 0.08 0.10 0.17 0.21

Consolidated Statement of Cash

Consolidated Statement of Cash Flows	6 Months Ended
	Jun. 30, 2020
Consolidated Statement of Cash Flows.
Consolidated Statement of Cash Flows	6. Consolidated Statement of Cash Flows On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits and short-term investments in both money market funds and commercial paper. The Company made no income tax payments in the first six months of 2020 and $300,000 in the same 2019 period. The Company made total interest payments of $6,128,000 in the first six months of 2020 compared to $7,044,000 in the same 2019 period. The Company had no non-cash transfers to other real estate owned (OREO) in the first six months of 2020 compared to $75,000 non-cash transfers in the same 2019 period. During the first six months of 2020, the Company entered into a new financing lease related to office equipment and recorded a right-of-use asset and lease liability of $63,000. As a result of the adoption of ASU 2016-02, Leases (Topic 842) as of January 1, 2019, the Company had non-cash transactions associated with the recognition of the right-of-use assets and lease liabilities. Specifically, the Company recognized a right-of-use asset and lease liability of $932,000 related to operating leases and a right-of-use asset and lease liability of $3.3 million related to financing leases during the first six months of 2019.

Investment Securities

Investment Securities	6 Months Ended
	Jun. 30, 2020
Investment Securities
Investment Securities	7. Investment Securities The cost basis and fair values of investment securities are summarized as follows (in thousands): Investment securities available for sale (AFS): June 30, 2020 Gross Gross Cost Unrealized Unrealized Fair Basis Gains Losses Value US Agency $ 3,175 $ 182 $ — $ 3,357 US Agency mortgage- backed securities 72,802 3,238 (2) 76,038 Municipal 15,222 1,086 — 16,308 Corporate bonds 47,857 443 (644) 47,656 Total $ 139,056 $ 4,949 $ (646) $ 143,359 Investment securities held to maturity (HTM): June 30, 2020 Gross Gross Cost Unrealized Unrealized Fair Basis Gains Losses Value US Agency mortgage- backed securities $ 9,852 $ 472 $ — $ 10,324 Municipal 25,668 1,918 (51) 27,535 Corporate bonds and other securities 6,029 107 (6) 6,130 Total $ 41,549 $ 2,497 $ (57) $ 43,989 Investment securities available for sale (AFS): December 31, 2019 Gross Gross Cost Unrealized Unrealized Fair Basis Gains Losses Value US Agency $ 5,084 $ $ — $ 5,116 US Agency mortgage- backed securities 80,046 1,681 (94) 81,633 Municipal 14,678 509 (17) 15,170 Corporate bonds 39,769 342 (281) 39,830 Total $ 139,577 $ 2,564 $ (392) $ 141,749 Investment securities held to maturity (HTM): December 31, 2019 Gross Gross Cost Unrealized Unrealized Fair Basis Gains Losses Value US Agency mortgage- backed securities $ 9,466 $ 251 $ (4) $ 9,713 Municipal 24,438 941 (53) 25,326 Corporate bonds and other securities 6,032 58 (47) 6,043 Total $ 39,936 $ 1,250 $ (104) $ 41,082 Maintaining investment quality is a primary objective of the Company’s investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody’s Investor’s Service or Standard & Poor’s rating of “A.” At June 30, 2020, 48.2% of the portfolio was rated “AAA” as compared to 53.4% at December 31, 2019. Approximately 13.8% of the portfolio was either rated below “A” or unrated at June 30, 2020 as compared to 9.1% at December 31, 2019. The Company sold no AFS securities during the second quarter or first six months of 2020. Total proceeds from the sale of AFS securities for the second quarter and first six months of 2019 were $530,000 resulting in $30,000 of gross investment security gains. The carrying value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits was $115,585,000 at June 30, 2020 and $117,076,000 at December 31, 2019. The following tables present information concerning investments with unrealized losses as of June 30, 2020 and December 31, 2019 (in thousands): Total investment securities: June 30, 2020 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses US Agency $ — $ — $ — $ — $ — $ — US Agency mortgage-backed securities 559 (1) 151 (1) 710 (2) Municipal — — 754 (51) 754 (51) Corporate bonds and other securities 17,591 (487) 6,337 (163) 23,928 (650) Total $ 18,150 $ (488) $ 7,242 $ (215) $ 25,392 $ (703) Total investment securities: December 31, 2019 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses US Agency $ — $ — $ — $ — $ — $ — US Agency mortgage-backed securities 7,084 (23) 8,562 (75) 15,646 (98) Municipal 2,269 (18) 1,123 (52) 3,392 (70) Corporate bonds and other securities 7,797 (85) 11,783 (243) 19,580 (328) Total $ 17,150 $ (126) $ 21,468 $ (370) $ 38,618 $ (496) The unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. There are 34 positions that are considered temporarily impaired at June 30, 2020. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value or mature. Contractual maturities of securities at June 30, 2020 are shown below (in thousands). Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without prepayment penalties. The weighted average duration of the total investment securities portfolio at June 30, 2020 is 23.0 months and is lower than the duration at December 31, 2019 which was 36.9 months. The duration remains within our internally established guideline to not exceed 60 months which we believe is appropriate to maintain proper levels of liquidity, interest rate risk, market valuation sensitivity and profitability. Total investment securities: June 30, 2020 Available for sale Held to maturity Cost Fair Cost Fair Basis Value Basis Value Within 1 year $ 3,502 $ 3,511 $ 400 $ 405 After 1 year but within 5 years 22,384 22,576 7,968 8,227 After 5 years but within 10 years 46,234 47,401 19,486 20,957 After 10 years but within15 years 20,122 21,076 7,493 7,962 Over 15 years 46,814 48,795 6,202 6,438 Total $ 139,056 $ 143,359 $ 41,549 $ 43,989 As of June 30, 2020 and December 31, 2019, the Company reported $391,000 and $366,000, respectively, of equity securities within other assets on the Consolidated Balance Sheets. These equity securities are held within a nonqualified deferred compensation plan in which a select group of executives of the Company can participate. An eligible executive can defer a certain percentage of their current salary to be placed into the plan and held within a rabbi trust. The assets of the rabbi trust are invested in various publicly listed mutual funds. The gain or loss on the equity securities (both realized and unrealized) is reported within other income on the Consolidated Statements of Operations. For the second quarter and first six months of 2020, the Company recorded a realized loss of $21,000 and $15,000, respectively, and an unrealized gain was recognized in income on these equity securities of $9,000 and $3,000, respectively. No gain or loss on equity securities (both realized and unrealized) was recognized during the second quarter or first six months of 2019. Additionally, the Company has recognized a deferred compensation liability, which is equal to the balance of the equity securities and is reported within other liabilities on the Consolidated Balance Sheets .

Loans

Loans	6 Months Ended
	Jun. 30, 2020
Loans
Loans	8. Loans The loan portfolio of the Company consists of the following (in thousands): June 30, December 31, 2020 2019 Commercial: Commercial and industrial (non-PPP) $ 154,379 $ 173,922 Paycheck Protection Program (PPP) 66,933 — Commercial loans secured by owner occupied real estate 86,080 91,655 Commercial loans secured by non-owner occupied real estate 365,250 363,635 Real estate – residential mortgage 230,509 235,239 Consumer 17,010 18,255 Loans, net of unearned income $ 920,161 $ 882,706 Loan balances at June 30, 2020 and December 31, 2019 are net of unearned income of $1,569,000 and $384,000, respectively. The unearned income balance at June 30, 2020 includes $1,184,000 of unrecognized fee income from the PPP loan originations. Real estate construction loans comprised 5.6% and 4.9% of total loans, net of unearned income at June 30, 2020 and December 31, 2019, respectively. The second quarter of 2020 represented the first full quarter’s impact of the COVID-19 pandemic. Certain loans within our commercial and commercial real estate portfolios have been disproportionately adversely affected by the pandemic. Due to mandatory lockdowns and travel restrictions, certain industries, such as hospitality, travel, food service and restaurants and bars, have suffered as a result of COVID-19. The following table provides information regarding our potential COVID-19 risk concentrations for commercial and commercial real estate loans by industry type at June 30, 2020 (in thousands). Paycheck Commercial loans Commercial loans Commercial Protection secured by owner secured by non-owner and industrial Program occupied real estate occupied real estate Total 1-4 unit residential $ 1,528 $ — $ 195 $ 4,782 $ 6,505 Multifamily/apartments/student housing — — 309 50,826 51,135 Office 32,380 9,545 9,791 37,171 88,887 Retail 8,406 1,782 19,629 105,085 134,902 Industrial/manufacturing/warehouse 90,727 28,618 17,408 40,112 176,865 Hotels 440 1,287 - 45,721 47,448 Eating and drinking places 878 13,608 4,430 575 19,491 Amusement and recreation 218 100 3,363 52 3,733 Mixed use - - 2,798 65,952 68,750 Other 19,802 11,993 28,157 14,974 74,926 Total $ 154,379 $ 66,933 $ 86,080 $ 365,250 $ 672,642 The significant increase from the prior quarter in the concentration within several industries (i.e. hotels, eating and drinking places, retail, office, and industrial/manufacturing/warehouse) relates, primarily, to the origination of Paycheck Protection Program loans to assist businesses within these hardest hit industries. Paycheck Protection Program The Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, was signed into law on March 27, 2020, and provides emergency economic relief to individuals and businesses impacted by the COVID-19 pandemic. The CARES Act authorized the Small Business Administration (SBA) to temporarily guarantee loans under a new 7(a) program called the Paycheck Protection Program (PPP). As a qualified SBA lender, the Company was automatically authorized to originate PPP loans. An eligible business can apply for a PPP loan up to the lesser of: (1) 2.5 times its average monthly “payroll costs;” or (2) $10.0 million. PPP loans will have: (a) an interest rate of 1.0%, (b) a two-year (if originated prior to June 5, 2020) or five-year (if originated after June 5, 2020) loan term to maturity; and (c) principal and interest payments deferred for six months from the date of disbursement. The SBA will guarantee 100% of the PPP loans made to eligible borrowers pursuant to standards as defined by the SBA. The entire principal amount of the borrower’s PPP loan, including any accrued interest, is eligible to be reduced by the loan forgiveness amount under the PPP so long as employee and compensation levels of the business are maintained and at least 60% of the loan proceeds are used for payroll expenses, with the remaining loan proceeds being used for other qualifying expenses such as interest on mortgages, rent, and utilities. As of June 30, 2020, the Company has originated 437 PPP loans totaling $66.9 million and has recorded a total of $1.0 million of processing fee income and interest income from PPP lending activity.

Allowance for Loan Losses

Allowance for Loan Losses	6 Months Ended
	Jun. 30, 2020
Allowance for Loan Losses
Allowance for Loan Losses	9. Allowance for Loan Losses The following tables summarize the rollforward of the allowance for loan losses by portfolio segment for the three and six month periods ending June 30, 2020 and 2019 (in thousands). Three months ended June 30, 2020 Balance at Balance at March 31, Charge- Provision June 30, 2020 Offs Recoveries (Credit) 2020 Commercial $ 3,860 $ — $ — $ (76) $ 3,784 Commercial loans secured by non-owner occupied real estate 3,288 — 7 324 3,619 Real estate-residential mortgage 1,141 (90) 16 149 1,216 Consumer 120 (29) 11 17 119 Allocation for general risk 925 — — 36 961 Total $ 9,334 $ (119) $ 34 $ 450 $ 9,699 Three months ended June 30, 2019 Balance at Balance at March 31, Charge- Provision June 30, 2019 Offs Recoveries (Credit) 2019 Commercial $ 2,614 $ — $ — $ (76) $ 2,538 Commercial loans secured by non-owner occupied real estate 3,373 — 13 39 3,425 Real estate-residential mortgage 1,213 (10) 68 (53) 1,218 Consumer 125 (88) 12 75 124 Allocation for general risk 782 — — 15 797 Total $ 8,107 $ (98) $ 93 $ — $ 8,102 Six months ended June 30, 2020 Balance at Balance at December 31, Charge- Provision June 30, 2019 Offs Recoveries (Credit) 2020 Commercial $ 3,951 $ — $ — $ (167) $ 3,784 Commercial loans secured by non-owner occupied real estate 3,119 — 21 479 3,619 Real estate–residential mortgage 1,159 (182) 22 217 1,216 Consumer 126 (91) 25 59 119 Allocation for general risk 924 — — 37 961 Total $ 9,279 $ (273) $ 68 $ 625 $ 9,699 Six months ended June 30, 2019 Balance at Balance at December 31, Charge- Provision June 30, 2018 Offs Recoveries (Credit) 2019 Commercial $ 3,057 $ — $ 5 $ (524) $ 2,538 Commercial loans secured by non-owner occupied real estate 3,389 (63) 24 75 3,425 Real estate – residential mortgage 1,235 (71) 76 (22) 1,218 Consumer 127 (170) 30 137 124 Allocation for general risk 863 — — (66) 797 Total $ 8,671 $ (304) $ 135 $ (400) $ 8,102 The Company recorded a $450,000 provision expense for loan losses in the second quarter of 2020 compared to a zero provision recorded in the second quarter of 2019. For the first six months of 2020, the Company recorded a $625,000 provision expense for loan losses compared to a $400,000 provision recovery recorded in the first six months of 2019, which represents a net unfavorable shift of $1,025,000. The 2020 provision reflects management’s decision to strengthen certain qualitative factors within our allowance for loan losses calculation due to the economic uncertainty caused by the COVID-19 pandemic. The increase in the allowance for the commercial loans secured by non-owner occupied real estate portfolio for both the three and six months ended June 30, 2020 stems from the risk rating downgrades of several hospitality related credits, which have been most significantly impacted by COVID-19. In addition, the growth in the allowance balance for residential mortgage loans is the result of the increased origination activity experienced within this portfolio given the lower interest rate environment. It should be noted that the 100% SBA guarantee on PPP loans minimizes the level of credit risk associated with the loans. As a result, such loans are assigned a 0% risk weight for purposes of calculating the Bank’s risk-based capital ratios. Therefore, it was deemed appropriate to not allocate any portion of the loan loss reserve for the PPP loans for the second quarter of 2020. For the first six months of 2020, the Company experienced net loan charge-offs of $205,000, or 0.05% of total loans, compared to net loan charge-offs of $169,000, or 0.04% of total loans, in the first six months of 2019. Overall, the Company’s asset quality remains strong as its non-performing assets totaled $3.1 million, or only 0.34% of total loans, at June 30, 2020 and are below industry levels. The allowance for loan losses provided 311% coverage of non-performing assets, and 1.04% of total loans, at June 30, 2020, compared to 397% coverage of non-performing assets, and 1.05% of total loans, at December 31, 2019. The reserve coverage of total loans, excluding PPP loans, is 1.13% (non-GAAP) at June 30, 2020, as compared to 0.91% at June 30, 2019. See the reconciliation of the non-GAAP measure of the reserve coverage of total loans, excluding PPP loans, within the Allowance for Loan Losses section of the MD&A. The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio (in thousands). At June 30, 2020 Commercial Loans Real Secured by Non- Estate- Owner Residential Allocation for Commercial Occupied Real Estate Mortgage Consumer General Risk Total Loans: Individually evaluated for impairment $ 818 $ 8 $ — $ — $ 826 Collectively evaluated for impairment 306,574 365,242 230,509 17,010 919,335 Total loans $ 307,392 $ 365,250 $ 230,509 $ 17,010 $ 920,161 Allowance for loan losses: Specific reserve allocation $ 78 $ 8 $ — $ — $ — $ 86 General reserve allocation 3,706 3,611 1,216 119 961 9,613 Total allowance for loan losses $ 3,784 $ 3,619 $ 1,216 $ 119 $ 961 $ 9,699 At December 31, 2019 Commercial Loans Real Secured by Non- Estate- Owner Residential Allocation for Commercial Occupied Real Estate Mortgage Consumer General Risk Total Loans: Individually evaluated for impairment $ 816 $ 8 $ — $ — $ 824 Collectively evaluated for impairment 264,761 363,627 235,239 18,255 881,882 Total loans $ 265,577 $ 363,635 $ 235,239 $ 18,255 $ 882,706 Allowance for loan losses: Specific reserve allocation $ 84 $ 8 $ — $ — $ — $ 92 General reserve allocation 3,867 3,111 1,159 126 924 9,187 Total allowance for loan losses $ 3,951 $ 3,119 $ 1,159 $ 126 $ 924 $ 9,279 The segments of the Company’s loan portfolio are disaggregated into classes that allows management to monitor risk and performance. The loan classes used are consistent with the internal reports evaluated by the Company’s management and Board of Directors to monitor risk and performance within various segments of its loan portfolio. The commercial loan segment includes both the commercial and industrial and the owner occupied commercial real estate loan classes while the remaining segments are not separated into classes as management monitors risk in these loans at the segment level. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans secured by residential real estate. The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts. Management evaluates for possible impairment any individual loan in the commercial or commercial real estate segment that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). In addition, consumer and residential mortgage loans with a balance of $150,000 or more are evaluated for impairment. Loans are considered to be 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 evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. 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 reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan’s effective interest rate; (b) the loan’s observable market price; or (c) the fair value of the collateral less selling costs for collateral dependent loans. The method is selected on a loan-by-loan basis, with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company’s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition. The need for an updated appraisal on collateral dependent loans is determined on a case-by-case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank’s internal Assigned Risk Department to support the value of the property. When reviewing an appraisal associated with an existing real estate collateral dependent transaction, the Bank’s internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include: · the passage of time; · the volatility of the local market; · the availability of financing; · natural disasters; · the inventory of competing properties; · new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank; · changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or · environmental contamination. The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank’s Assigned Risk Department personnel, rests with the Assigned Risk Department and not the originating account officer. The following tables present impaired loans by portfolio segment, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary (in thousands). June 30, 2020 Impaired Loans with Impaired Loans with no Specific Specific Allowance Allowance Total Impaired Loans Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance Commercial $ 818 $ 78 $ — $ 818 $ 818 Commercial loans secured by non-owner occupied real estate 8 8 — 8 30 Total impaired loans $ 826 $ 86 $ — $ 826 $ 848 December 31, 2019 Impaired Loans with Impaired Loans with no Specific Specific Allowance Allowance Total Impaired Loans Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance Commercial $ 816 $ 84 $ — $ 816 $ 816 Commercial loans secured by non-owner occupied real estate 8 8 — 8 30 Total impaired loans $ 824 $ 92 $ — $ 824 $ 846 The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated (in thousands). Three months ended Six months ended June 30, June 30, 2020 2019 2020 2019 Average loan balance: Commercial $ 826 $ 375 $ 822 $ 250 Commercial loans secured by non-owner occupied real estate 8 11 8 11 Average investment in impaired loans $ 834 $ 386 $ 830 $ 261 Interest income recognized: Commercial $ 10 $ 4 $ 22 $ 4 Commercial loans secured by non-owner occupied real estate — — — — Interest income recognized on a cash basis on impaired loans $ 10 $ 4 $ 22 $ 4 Management uses a nine-point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized. The first five “Pass” categories are aggregated, while the Pass‑6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than 90 days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful. To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $1,000,000 within a 12‑month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company’s commercial relationship managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company’s internal Loan Review Department. The Loan Review Department is an experienced, independent function which reports directly to the Board’s Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2020 requires review of a minimum of 40% of the commercial loan portfolio. In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass‑6 with aggregate balances greater than $2,000,000, all credits rated Special Mention or Substandard with aggregate balances greater than $250,000, and all credits rated Doubtful with aggregate balances greater than $100,000 on an individual basis to the Company’s Loan Loss Reserve Committee on a quarterly basis. Additionally, the Asset Quality Task Force, which is a group comprised of senior level personnel, meets monthly to monitor the status of problem loans. The following table presents the classes of the commercial and commercial real estate loan portfolios summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system (in thousands). June 30, 2020 Special Pass Mention Substandard Doubtful Total Commercial and industrial $ 209,144 $ 725 $ 11,443 $ — $ 221,312 Commercial loans secured by owner occupied real estate 83,485 1,306 1,289 — 86,080 Commercial loans secured by non-owner occupied real estate 363,682 — 1,560 8 365,250 Total $ 656,311 $ 2,031 $ 14,292 $ 8 $ 672,642 December 31, 2019 Special Pass Mention Substandard Doubtful Total Commercial and industrial $ 161,147 $ 853 $ 11,922 $ — $ 173,922 Commercial loans secured by owner occupied real estate 88,942 1,384 1,329 — 91,655 Commercial loans secured by non-owner occupied real estate 362,027 — 1,600 8 363,635 Total $ 612,116 $ 2,237 $ 14,851 $ 8 $ 629,212 It is generally the policy of the Bank that the outstanding balance of any residential mortgage loan that exceeds 90‑days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs, unless the balance is minor. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is generally the policy of the Bank that the outstanding balance of any consumer loan that exceeds 90‑days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolio classes (in thousands). June 30, 2020 Performing Non-Performing Total Real estate – residential mortgage $ 228,213 $ 2,296 $ 230,509 Consumer 17,010 — 17,010 Total $ 245,223 $ 2,296 $ 247,519 December 31, 2019 Performing Non-Performing Total Real estate – residential mortgage $ 233,760 $ 1,479 $ 235,239 Consumer 18,255 — 18,255 Total $ 252,015 $ 1,479 $ 253,494 Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and non-accrual loans (in thousands). June 30, 2020 90 Days 30 – 59 60 – 89 Past Due Days Days 90 Days Total Total and Still Current Past Due Past Due Past Due Past Due Loans Accruing Commercial and industrial $ 221,251 $ 40 $ 21 $ — $ 61 $ 221,312 $ — Commercial loans secured by owner occupied real estate 85,267 — 813 — 813 86,080 — Commercial loans secured by non-owner occupied real estate 365,250 — — — — 365,250 — Real estate – residential mortgage 224,654 1,792 967 3,096 5,855 230,509 1,581 Consumer 16,988 17 5 — 22 17,010 — Total $ 913,410 $ 1,849 $ 1,806 $ 3,096 $ 6,751 $ 920,161 $ 1,581 December 31, 2019 90 Days 30 – 59 60 – 89 Past Due Days Days 90 Days Total Total and Still Current Past Due Past Due Past Due Past Due Loans Accruing Commercial and industrial $ 173,922 $ — $ — $ — $ — $ 173,922 $ — Commercial loans secured by owner occupied real estate 91,538 117 — — 117 91,655 — Commercial loans secured by non-owner occupied real estate 363,635 — — — — 363,635 — Real estate – residential mortgage 231,022 2,331 864 1,022 4,217 235,239 — Consumer 18,190 42 23 — 65 18,255 — Total $ 878,307 $ 2,490 $ 887 $ 1,022 $ 4,399 $ 882,706 $ — An allowance for loan losses (“ALL”) is maintained to support loan growth and cover charge-offs from the loan portfolio. The ALL is based on management’s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans. Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors. Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer, residential mortgage and small business portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer, residential mortgage and small business portfolios are based on a three-year historical average of actual loss experience. The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of three elements: (1) an allowance established on specifically identified problem loans, (2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and (3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company’s loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company’s management to establish allocations which accommodate each of the listed risk factors. “Pass” rated credits are segregated from “Criticized” and “Classified” credits for the application of qualitative factors. Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL.

Non-Performing Assets Including

Non-Performing Assets Including Troubled Debt Restructurings (TDR)	6 Months Ended
	Jun. 30, 2020
Non-Performing Assets Including Troubled Debt Restructurings (TDR)
Non-Performing Assets Including Troubled Debt Restructurings (TDR)	10. Non-Performing Assets Including Troubled Debt Restructurings (TDR) The following table presents information concerning non-performing assets including TDR (in thousands, except percentages): June 30, December 31, 2020 2019 Non-accrual loans Commercial and industrial $ 21 $ — Commercial loans secured by non-owner occupied real estate 8 8 Real estate-residential mortgage 2,296 1,479 Total 2,325 1,487 Other real estate owned Real estate-residential mortgage — 37 Total — 37 TDR’s not in non-accrual Commercial and industrial 797 815 Total 797 815 Total non-performing assets including TDR $ 3,122 $ 2,339 Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned 0.34 % 0.26 % The Company had $1,581,000 of loans at June 30, 2020 compared to no loans at December 31, 2019 past due 90 days or more which were accruing interest. The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans (in thousands). Three months Six months ended ended June 30, June 30, 2020 2019 2020 2019 Interest income due in accordance with original terms $ 21 $ 14 $ 38 $ 29 Interest income recorded — — — — Net reduction in interest income $ 21 $ 14 $ 38 $ 29 Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank’s objective in offering a TDR is to increase the probability of repayment of the borrower’s loan. The Company had no loans modified as TDRs during the three-month period ending June 30, 2020. The following table details the loan modified as a TDR during the six-month period ended June 30, 2020 (dollars in thousands). Loans in accrual status # of Loans Current Balance Concession Granted Commercial and industrial 1 $ 750 Subsequent modification of a TDR - extension of maturity date with a below market interest rate The following table details the loan modified as a TDR during the three and six month periods ended June 30, 2019 (dollars in thousands). Loans in accrual status # of Loans Current Balance Concession Granted Commercial and industrial 1 $ 750 Extension of maturity date with a below market interest rate All TDRs are individually evaluated for impairment and a related allowance is recorded, as needed. The specific ALL reserve for loans modified as TDRs was $84,000 and $92,000 as of June 30, 2020 and December 31, 2019, respectively. The Company had no loans that were classified as TDRs or were subsequently modified during each 12-month period prior to the current reporting periods, which begin January 1, 2019 and 2018 (six month periods) and April 1, 2019 and 2018 (three month periods), respectively, and that subsequently defaulted during these reporting periods. The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. Loan Modifications Related to COVID-19 Under section 4013 of the CARES Act, loans less than 30 days past due as of December 31, 2019 will be considered current for COVID-19 modifications. A financial institution can then suspend the requirements under GAAP for loan modifications related to COVID-19 that would otherwise be categorized as a TDR, and suspend any determination of a loan modified as a result of COVID-19 as being a TDR, including the requirement to determine impairment for accounting purposes and reporting the loan as past due. Financial institutions wishing to utilize this authority must make a policy election, which applies to any COVID-19 modification made between March 1, 2020 and the earlier of either December 31, 2020 or the 60th day after the end of the COVID-19 national emergency. Similarly, the Financial Accounting Standards Board has confirmed that short-term modifications made on a good-faith basis in response to COVID-19 to loan customers who were current prior to any relief are not TDRs. In response to the COVID-19 pandemic, the Company has prudently executed loan modifications for existing loan customers. The following table presents information regarding loans which were subject to a loan modification related to COVID-19, as of June 30, 2020. Note that the percentage of outstanding loans presented below was calculated based on loan totals excluding PPP loans. Management believes that this method more accurately reflects the concentration of COVID-19 related modifications within the loan portfolio. % of Balance Outstanding Non-PPP (in thousands) Loans CRE/Commercial $ 190,276 30.4 % Home Equity/Consumer 5,890 6.0 Residential Mortgage 3,839 2.8 Total $ 200,005 23.2 The balance of loan modifications related to COVID-19 at June 30, 2020 represents a decrease of $11.2 million, or 5.3%, from the balance of loans modified for COVID-19 reported in the first quarter 2020 10-Q which totaled $211 million. Requested modifications primarily consist of the deferral of principal and/or interest payments for a period of three to six months and maturity date extensions. The following table presents the composition of the types of payment relief that have been granted. Number Balance of Loans (in thousands) Type of Payment Relief Interest only payments 83 $ 87,881 Complete payment deferrals 296 103,378 Maturity date extensions 4 8,746 Total 383 $ 200,005 Management is carefully monitoring asset quality with a particular focus on customers that have requested payment deferrals during this difficult economic time. The Asset Quality Task Force is meeting monthly to review these particular relationships, receiving input from the business lenders regarding their ongoing discussions with the borrowers.

Federal Home Loan Bank Borrowin

Federal Home Loan Bank Borrowings	6 Months Ended
	Jun. 30, 2020
Federal Home Loan Bank Borrowing
Federal Home Loan Bank Borrowings	11. Federal Home Loan Bank Borrowings Total Federal Home Loan Bank (FHLB) borrowings and advances consist of the following (in thousands, except percentages): At June 30, 2020 Weighted Type Maturing Amount Average Rate Open Repo Plus Overnight $ 7,558 0.39 % Advances 2020 10,187 1.45 2021 11,496 1.92 2022 20,888 2.03 2023 15,568 1.59 2024 4,197 1.19 Total advances 62,336 1.75 Total FHLB borrowings $ 69,894 1.60 % At December 31, 2019 Weighted Type Maturing Amount Average Rate Open Repo Plus Overnight $ 22,412 1.81 % Advances 2020 18,729 1.75 2021 9,496 2.28 2022 17,838 2.21 2023 5,568 2.48 2024 2,037 1.86 Total advances 53,668 2.08 Total FHLB borrowings $ 76,080 2.00 % The rate on Open Repo Plus advances can change daily, while the rates on the advances are fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage, commercial real estate, and commercial and industrial loans with an aggregate statutory value equal to the amount of the advances are pledged as collateral to the FHLB of Pittsburgh to support these borrowings.

Lease Commitments

Lease Commitments	6 Months Ended
	Jun. 30, 2020
Lease Commitments
Lease Commitments	12. Lease Commitments The Company has operating and financing leases for several office locations and equipment. Several assumptions and judgments were made when applying the requirements of ASU 2016-02, Leases (Topic 842) to the Company's lease commitments, including the allocation of consideration in the contracts between lease and non-lease components, determination of the lease term, and determination of the discount rate used in calculating the present value of the lease payments. Many of our leases include both lease (e.g., minimum rent payments) and non-lease components, such as common area maintenance charges, utilities, real estate taxes, and insurance. The Company has elected to account for the variable non-lease components separately from the lease component. Such variable non-lease components are reported in net occupancy expense on the Consolidated Statements of Operations when incurred. These variable non-lease components were excluded from the calculation of the present value of the remaining lease payments, therefore, they are not included in the right-of-use assets and lease liabilities reported on the Consolidated Balance Sheets. The following table presents the lease cost associated with both operating and financing leases for the three and six month periods ending June 30, 2020 and 2019 (in thousands). Three months ended Six months ended June 30, June 30, Lease cost 2020 2019 2020 2019 Financing lease cost: Amortization of right-of-use asset $ 68 $ $ 135 $ 129 Interest expense 28 57 59 Operating lease cost 29 58 58 Total lease cost $ 125 $ $ 250 $ 246 Certain of the Company's leases contain options to renew the lease after the initial term. Management considers the Company's historical pattern of exercising renewal options on leases and the performance of the leased locations, when determining whether it is reasonably certain that the leases will be renewed. If management concludes that there is reasonable certainty about the renewal option, it is included in the calculation of the remaining term of each applicable lease. The discount rate utilized in calculating the present value of the remaining lease payments for each lease was the Federal Home Loan Bank of Pittsburgh advance rate corresponding to the remaining maturity of the lease. The following table presents the weighted-average remaining lease term and discount rate for the leases outstanding at June 30, 2020 and December 31, 2019. June 30, 2020 December 31, 2019 Operating Financing Operating Financing Weighted-average remaining term (years) 11.6 16.6 11.9 17.1 Weighted-average discount rate 3.47 % 3.58 % 3.46 % 3.60 % The following table presents the undiscounted cash flows due related to operating and financing leases, along with a reconciliation to the discounted amount recorded on the Consolidated Balance Sheets (in thousands). June 30, 2020 Undiscounted cash flows due: Operating Financing Within 1 year $ 119 $ 295 After 1 year but within 2 years 117 289 After 2 years but within 3 years 75 291 After 3 years but within 4 years 69 264 After 4 years but within 5 years 69 252 After 5 years 556 2,882 Total undiscounted cash flows 1,005 4,273 Discount on cash flows (184) (1,147) Total lease liabilities $ 821 $ 3,126 December 31, 2019 Undiscounted cash flows due: Operating Financing Within 1 year $ 118 $ 296 After 1 year but within 2 years 120 275 After 2 years but within 3 years 98 277 After 3 years but within 4 years 69 274 After 4 years but within 5 years 69 236 After 5 years 589 3,007 Total undiscounted cash flows 1,063 4,365 Discount on cash flows (198) (1,202) Total lease liabilities $ 865 $ 3,163 Under Topic 842, the lessee can elect to not record on the Consolidated Balance Sheets a lease whose term is twelve months or less and does not include a purchase option that the lessee is reasonably certain to exercise. As of June 30, 2020, the Company had no short-term leases. As of December 31, 2019, the Company had one short-term equipment lease which it elected to not record on the Consolidated Balance Sheets.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	6 Months Ended
	Jun. 30, 2020
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Loss	13. Accumulated Other Comprehensive Loss The following table presents the changes in each component of accumulated other comprehensive loss, net of tax, for the three and six months ended June 30, 2020 and 2019 (in thousands): Three months ended Three months ended June 30, 2020 June 30, 2019 Net Net Unrealized Unrealized Gains and Gains and (Losses) on Defined (Losses) on Defined Investment Benefit Investment Benefit Securities Pension Securities Pension AFS (1) Items (1) Total (1) AFS (1) Items (1) Total (1) Beginning balance $ 2,639 $ (17,469) $ (14,830) $ (16) $ (14,266) $ (14,282) Other comprehensive income (loss) before reclassifications 759 (512) 247 1,438 29 1,467 Amounts reclassified from accumulated other comprehensive loss — 512 512 (24) 289 265 Net current period other comprehensive income 759 — 759 1,414 318 1,732 Ending balance $ 3,398 $ (17,469) $ (14,071) $ 1,398 $ (13,948) $ (12,550) (1) Amounts in parentheses indicate debits on the Consolidated Balance Sheets. Six months ended Six months ended June 30, 2020 June 30, 2019 Net Net Unrealized Unrealized Gains and Gains and (Losses) on Defined (Losses) on Defined Investment Benefit Investment Benefit Securities Pension Securities Pension AFS (1) Items (1) Total (1) AFS (1) Items (1) Total (1) Beginning balance $ 1,715 $ (17,886) $ (16,171) $ (1,409) $ (12,816) $ (14,225) Other comprehensive income (loss) before reclassifications 1,683 (607) 1,076 2,831 (1,710) 1,121 Amounts reclassified from accumulated other comprehensive loss — 1,024 1,024 (24) 578 554 Net current period other comprehensive income (loss) 1,683 417 2,100 2,807 (1,132) 1,675 Ending balance $ 3,398 $ (17,469) $ (14,071) $ 1,398 $ (13,948) $ (12,550) (1) Amounts in parentheses indicate debits on the Consolidated Balance Sheets. The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the three and six months ended June 30, 2020 and 2019 (in thousands): Amount reclassified from accumulated other comprehensive loss (1) For the For the three months three months ended ended June 30, June 30, Affected line item in the Details about accumulated other comprehensive loss components 2020 2019 consolidated statement of operations Realized gains on sale of securities $ — $ (30) Net realized gains on investment securities — 6 Provision for income tax expense $ — $ (24) Net of tax Amortization of estimated defined benefit pension plan loss (2) $ 648 $ 366 Other expense (136) (77) Provision for income tax expense $ 512 $ 289 Net of tax Total reclassifications for the period $ 512 $ 265 Net income (1) Amounts in parentheses indicate credits. (2) These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 18 for additional details). Amount reclassified from accumulated other comprehensive loss (1) For the For the six months six months ended ended June 30, June 30, Affected line item in the Details about accumulated other comprehensive loss components 2020 2019 consolidated statement of operations Realized gains on sale of securities $ — $ (30) Net realized gains on investment securities — 6 Provision for income tax expense $ — $ (24) Net of tax Amortization of estimated defined benefit pension plan loss (2) $ 1,296 $ 732 Other expense (272) (154) Provision for income tax expense $ 1,024 $ 578 Net of tax Total reclassifications for the period $ 1,024 $ 554 Net income (1) Amounts in parentheses indicate credits. (2) These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 18 for additional details).

Regulatory Capital

Regulatory Capital	6 Months Ended
	Jun. 30, 2020
Regulatory Capital
Regulatory Capital	14. Regulatory Capital The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. 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 consolidated financial statements. For a more detailed discussion, see the Capital Resources section of Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A). Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total, common equity tier 1, and tier 1 capital to risk-weighted assets (as defined) and tier 1 capital to average assets. Additionally, under Basel III rules, the decision was made to opt-out of including accumulated other comprehensive income in regulatory capital. As of June 30, 2020, the Bank was categorized as “well capitalized” under the regulatory framework for prompt corrective action promulgated by the Federal Reserve. The Company believes that no conditions or events have occurred that would change this conclusion as of such date. To be categorized as well capitalized, the Bank must maintain minimum total capital, common equity tier 1 capital, tier 1 capital, and tier 1 leverage ratios as set forth in the table (in thousands, except ratios). At June 30, 2020 MINIMUM TO BE WELL REQUIRED CAPITALIZED FOR UNDER PROMPT CAPITAL CORRECTIVE ADEQUACY ACTION COMPANY BANK PURPOSES REGULATIONS* AMOUNT RATIO AMOUNT RATIO RATIO RATIO Total Capital (To Risk Weighted Assets) $ 134,705 13.19 % $ 122,010 12.01 % 8.00 % 10.00 % Common Equity Tier 1 (To Risk Weighted Assets) 104,731 10.26 111,453 10.97 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 116,626 11.42 111,453 10.97 6.00 8.00 Tier 1 Capital (To Average Assets) 116,626 9.54 111,453 9.22 4.00 5.00 At December 31, 2019 MINIMUM TO BE WELL REQUIRED CAPITALIZED FOR UNDER PROMPT CAPITAL CORRECTIVE ADEQUACY ACTION COMPANY BANK PURPOSES REGULATIONS* AMOUNT RATIO AMOUNT RATIO RATIO RATIO Total Capital (To Risk Weighted Assets) $ 132,544 13.49 % $ 119,477 12.23 % 8.00 % 10.00 % Common Equity Tier 1 (To Risk Weighted Assets) 102,841 10.47 109,173 11.17 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 114,729 11.68 109,173 11.17 6.00 8.00 Tier 1 Capital (To Average Assets) 114,729 9.87 109,173 9.50 4.00 5.00 * Additionally, while not a regulatory capital ratio, the Company’s tangible common equity ratio was 7.37% (non-GAAP) at June 30, 2020. See the reconciliation of the tangible common equity ratio under the Balance Sheet section of the MD&A.

Derivative Hedging Instruments

Derivative Hedging Instruments	6 Months Ended
	Jun. 30, 2020
Derivative Hedging Instruments
Derivative Hedging Instruments	15. Derivative Hedging Instruments The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates. To accommodate the needs of our customers and support the Company’s asset/liability positioning, we may enter into interest rate swap agreements with customers and a large financial institution that specializes in these types of transactions. These arrangements involve the exchange of interest payments based on the notional amounts. The Company entered into floating rate loans and fixed rate swaps with our customers. Simultaneously, the Company entered into offsetting fixed rate swaps with Pittsburgh National Bank (PNC). In connection with each swap transaction, the Company agrees to pay interest to the customer on a notional amount at a variable interest rate and receive interest from the customer on the same notional amount at a fixed interest rate. At the same time, the Company agrees to pay PNC the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. These transactions allow the Company’s customers to effectively convert a variable rate loan to a fixed rate. Because the Company acts as an intermediary for its customers, changes in the fair value of the underlying derivative contracts offset each other and do not significantly impact the Company’s results of operations. These swaps are considered free-standing derivatives and are reported at fair value within other assets and other liabilities on the Consolidated Balance Sheets. Disclosures related to the fair value of the swap transactions can be found in Note 19. The following table summarizes the interest rate swap transactions that impacted the Company’s first six months of 2020 and 2019 performance (in thousands, except percentages). At June 30, 2020 INCREASE AGGREGATE WEIGHTED (DECREASE) HEDGE NOTIONAL AVERAGE RATE REPRICING IN INTEREST TYPE AMOUNT RECEIVED/(PAID) FREQUENCY EXPENSE SWAP ASSETS FAIR VALUE $ 32,866 3.37 % MONTHLY $ (179) SWAP LIABILITIES FAIR VALUE (32,866) (3.37) MONTHLY 179 NET EXPOSURE — — — At June 30, 2019 INCREASE AGGREGATE WEIGHTED (DECREASE) HEDGE NOTIONAL AVERAGE RATE REPRICING IN INTEREST TYPE AMOUNT RECEIVED/(PAID) FREQUENCY EXPENSE SWAP ASSETS FAIR VALUE $ 22,628 4.78 % MONTHLY $ 16 SWAP LIABILITIES FAIR VALUE (22,628) (4.78) MONTHLY (16) NET EXPOSURE — — — The Company monitors and controls all derivative products with a comprehensive Board of Directors approved Hedging Policy. This policy permits a total maximum notional amount outstanding of $500 million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board of Directors, unless otherwise approved, as per the terms, within the Board of Directors approved Hedging Policy. The Company had no caps or floors outstanding at June 30, 2020 and 2019. None of the Company's derivatives are designated as hedging instruments.

Segment Results

Segment Results	6 Months Ended
	Jun. 30, 2020
Segment Results
Segment Results	16. Segment Results The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company’s major business units include community banking, wealth management, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent business segment. The key performance measure the Company focuses on for each business segment is net income contribution. The community banking segment includes both retail and commercial banking activities. Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, business services, and CRE loans. The wealth management segment includes the Trust Company, West Chester Capital Advisors (WCCA), our registered investment advisory firm, and Financial Services. Wealth management activities include personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial Services include the sale of mutual funds, annuities, and insurance products. The wealth management businesses also include the union collective investment funds, primarily the ERECT funds which are designed to use union pension dollars in construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on corporate debt, and centralized interest rate risk management. Inter-segment revenues were not material. The contribution of the major business segments to the Consolidated Statements of Operations for the three and six months ended June 30, 2020 and 2019 were as follows (in thousands): Three months ended Six months ended June 30, 2020 June 30, 2020 Total Net Total Net revenue income (loss) revenue income (loss) Community banking $ 12,385 $ 2,755 $ 23,833 $ 5,279 Wealth management 2,484 476 5,052 963 Investment/Parent (1,629) (1,812) (3,062) (3,414) Total $ 13,240 $ 1,419 $ 25,823 $ 2,828 Three months ended Six months ended June 30, 2019 June 30, 2019 Total Net Total Net revenue income (loss) revenue income (loss) Community banking $ 11,535 $ 2,882 $ 22,628 $ 5,830 Wealth management 2,440 444 4,857 888 Investment/Parent (1,257) (1,534) (2,505) (3,048) Total $ 12,718 $ 1,792 $ 24,980 $ 3,670

Commitments and Contingent Liab

Commitments and Contingent Liabilities	6 Months Ended
	Jun. 30, 2020
Commitments and Contingent Liabilities
Commitments and Contingent Liabilities	17. Commitments and Contingent Liabilities The Company had various outstanding commitments to extend credit approximating $237.7 million and $195.5 million along with standby letters of credit of $13.7 million and $14.7 million as of June 30, 2020 and December 31, 2019, respectively. The Company’s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Bank uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse effect on the Company’s consolidated financial position, results of operations or cash flows.

Pension Benefits

Pension Benefits	6 Months Ended
	Jun. 30, 2020
Pension Benefits
Pension Benefits	18. Pension Benefits The Company has a noncontributory defined benefit pension plan covering certain employees who work at least 1,000 hours per year. The participants have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee’s years of service and average annual earnings for the highest five consecutive calendar years during the final ten-year period of employment. Plan assets are primarily debt securities (including US Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of AmeriServ Financial, Inc. common stock which is limited to 10% of the plan’s assets), mutual funds, and short-term cash equivalent instruments. The net periodic pension cost for the three and six months ended June 30, 2020 and 2019 were as follows (in thousands): Three months ended Six months ended June 30, June 30, 2020 2019 2020 2019 Components of net periodic benefit cost Service cost $ 441 $ 374 $ 882 $ 748 Interest cost 319 402 638 804 Expected return on plan assets (817) (762) (1,634) (1,524) Recognized net actuarial loss 648 366 1,296 732 Net periodic pension cost $ 591 $ 380 $ 1,182 $ 760 The service cost component of net periodic benefit cost is included in “Salaries and employee benefits” and all other components of net periodic benefit cost are included in “Other expense” in the Consolidated Statements of Operations. The Company implemented a soft freeze of its defined benefit pension plan to provide that non-union employees hired on or after January 1, 2013 and union employees hired on or after January 1, 2014 are not eligible to participate in the pension plan. Instead, such employees are eligible to participate in a qualified 401(k) plan. This change was made to help reduce pension costs in future periods.

Disclosures about Fair Value Me

Disclosures about Fair Value Measurements and Financial Instruments	6 Months Ended
	Jun. 30, 2020
Disclosures about Fair Value Measurements and Financial Instruments
Disclosures about Fair Value Measurements and Financial Instruments	19. Disclosures about Fair Value Measurements and Financial Instruments The following disclosures establish a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. The three broad levels defined within this hierarchy are as follows: Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed. Level III: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation. Assets and Liability Measured and Recorded on a Recurring Basis Equity securities are reported at fair value utilizing Level 1 inputs. These securities are mutual funds held within a rabbi trust for the Company's executive deferred compensation plan. The mutual funds held are open-end funds that are registered with the Securities and Exchange Commission. These funds are required to publish their daily net asset value and to transact at that price. Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. The fair values of the interest rate swaps used for interest rate risk management are based on an external derivative valuation model using data inputs from similar transactions as of the valuation date and classified Level 2. The following table presents the assets and liability measured and reported on the Consolidated Balance Sheets on a recurring basis at their fair value as of June 30, 2020 and December 31, 2019, by level within the fair value hierarchy (in thousands). Fair Value Measurements at June 30, 2020 Total (Level 1) (Level 2) (Level 3) Equity securities $ 391 $ 391 $ — $ — Available for sale securities: US Agency 3,357 — 3,357 — US Agency mortgage-backed securities 76,038 — 76,038 — Municipal 16,308 — 16,308 — Corporate bonds 47,656 — 47,656 — Fair value swap assets 3,785 — 3,785 — Fair value swap liabilities (3,785) — (3,785) — Fair Value Measurements at December 31, 2019 Total (Level 1) (Level 2) (Level 3) Equity securities $ 366 $ 366 $ — $ — Available for sale securities: US Agency 5,116 — 5,116 — US Agency mortgage-backed securities 81,633 — 81,633 — Municipal 15,170 — 15,170 — Corporate bonds 39,830 — 39,830 — Fair value swap assets 959 — 959 — Fair value swap liabilities (959) — (959) — Assets Measured and Recorded on a Non-Recurring Basis Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are reported at the fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted using unobservable inputs. At June 30, 2020, impaired loans with a carrying value of $266,000 were reduced by a specific valuation allowance totaling $8,000 resulting in a net fair value of $258,000. At December 31, 2019, impaired loans with a carrying value of $263,000 were reduced by a specific valuation allowance totaling $8,000 resulting in a net fair value of $255,000. Other real estate owned is measured at fair value based on appraisals, less estimated costs to sell at the date of foreclosure. Valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO. Assets measured and recorded at fair value on a non-recurring basis are summarized below (in thousands, except range data): Fair Value Measurements at June 30, 2020 Total (Level 1) (Level 2) (Level 3) Impaired loans $ 258 $ — $ — $ 258 Fair Value Measurements at December 31, 2019 Total (Level 1) (Level 2) (Level 3) Impaired loans $ 255 $ — $ — $ 255 Other real estate owned 37 — — 37 Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Unobservable Range June 30, 2020 Estimate Techniques Input (Wgtd Avg) Impaired loans $ 258 Appraisal of collateral (1) Appraisal adjustments(2) 0% to 100% (3%) Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Unobservable Range December 31, 2019 Estimate Techniques Input (Wgtd Avg) Impaired loans $ 255 Appraisal of collateral(1) Appraisal adjustments(2) 0% to 100% (3%) Other real estate owned 37 Appraisal of collateral (1) Appraisal adjustments (2) Liquidation expenses 0% to 57% (38%) 21% to 134% (30%) (1) Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable. Also includes qualitative adjustments by management and estimated liquidation expenses. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions. FAIR VALUE OF FINANCIAL INSTRUMENTS For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company’s financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure. Fair values have been determined by the Company using independent third party valuations that use the best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, bank owned life insurance, regulatory stock, accrued interest receivable and payable, and short-term borrowings have fair values which approximate the recorded carrying values. The fair value measurements for all of these financial instruments are Level 1 measurements. The estimated fair values based on US GAAP measurements and recorded carrying values at June 30, 2020 and December 31, 2019, for the remaining financial instruments not required to be measured or reported at fair value were as follows (in thousands): June 30, 2020 Carrying Fair Value Value (Level 1) (Level 2) (Level 3) FINANCIAL ASSETS: Investment securities – HTM $ 41,549 $ 43,989 $ — $ 40,995 $ 2,994 Loans held for sale 8,189 8,359 8,359 — — Loans, net of allowance for loan loss and unearned income 910,462 919,636 — — 919,636 FINANCIAL LIABILITIES: Deposits with no stated maturities $ 717,252 $ 729,128 $ — $ — $ 729,128 Deposits with stated maturities 315,781 319,744 — — 319,744 All other borrowings (1) 82,820 89,225 — — 89,225 December 31, 2019 Carrying Fair Value Value (Level 1) (Level 2) (Level 3) FINANCIAL ASSETS: Investment securities – HTM $ 39,936 $ 41,082 $ — $ 38,129 $ 2,953 Loans held for sale 4,868 4,970 4,970 — — Loans, net of allowance for loan loss and unearned income 873,427 873,908 — — 873,908 FINANCIAL LIABILITIES: Deposits with no stated maturities $ 651,469 $ 631,023 $ — $ — $ 631,023 Deposits with stated maturities 309,044 310,734 — — 310,734 All other borrowings (1) 74,134 76,323 — — 76,323 (1) All other borrowings include advances from Federal Home Loan Bank, guaranteed junior subordinated deferrable interest debentures, and subordinated debt. Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company’s remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting.

Risks and Uncertainties

Risks and Uncertainties	6 Months Ended
	Jun. 30, 2020
Risks and Uncertainties
Risks and Uncertainties	20. Risks and Uncertainties The impact of the COVID-19 pandemic is fluid and continues to evolve, adversely affecting many of the Company’s customers. The pandemic and its associated impacts on trade (including supply chains and export levels), travel, employee productivity, unemployment, and consumer spending has resulted in less economic activity, lower equity market valuations, and significant volatility and disruption in the financial markets. The ultimate extent of the impact of the COVID-19 pandemic on the Company’s business, financial condition, and results of operations is currently uncertain and will depend on various developments and other factors, including, among others, the duration and scope of the pandemic, as well as governmental, regulatory, and private sector responses to the pandemic, and the associated impacts on the economy, financial markets and our customers, employees, and vendors. While the full effects of the pandemic remain unknown, the Company is committed to supporting its customers, employees, and communities during this difficult time.

Revenue Recognition (Tables)

Revenue Recognition (Tables)	6 Months Ended
	Jun. 30, 2020
Revenue Recognition
Schedule of non-interest income, segregated by revenue	The following presents non-interest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three and six month periods ending June 30, 2020 and 2019 (in thousands). Three months ended Six months ended June 30, June 30, 2020 2019 2020 2019 Non-interest income: In-scope of Topic 606 Wealth management fees $ 2,471 $ 2,419 $ 5,025 $ 4,815 Service charges on deposit accounts 176 317 462 627 Other 396 435 786 854 Non-interest income (in-scope of Topic 606) 3,043 3,171 6,273 6,296 Non-interest income (out-of-scope of Topic 606) 724 486 1,326 966 Total non-interest income $ 3,767 $ 3,657 $ 7,599 $ 7,262

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	6 Months Ended
	Jun. 30, 2020
Earnings Per Common Share
Schedule of Earnings Per Common Share	Three months ended Six months ended June 30, June 30, 2020 2019 2020 2019 (In thousands, except per share data) Numerator: Net income $ 1,419 $ 1,792 $ 2,828 $ 3,670 Denominator: Weighted average common shares outstanding (basic) 17,052 17,476 17,047 17,527 Effect of stock options 4 84 23 84 Weighted average common shares outstanding (diluted) 17,056 17,560 17,070 17,611 Earnings per common share: Basic $ 0.08 $ 0.10 $ 0.17 $ 0.21 Diluted 0.08 0.10 0.17 0.21

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2020
Investment Securities
Schedule of cost basis and fair values of investment securities	June 30, 2020 Gross Gross Cost Unrealized Unrealized Fair Basis Gains Losses Value US Agency $ 3,175 $ 182 $ — $ 3,357 US Agency mortgage- backed securities 72,802 3,238 (2) 76,038 Municipal 15,222 1,086 — 16,308 Corporate bonds 47,857 443 (644) 47,656 Total $ 139,056 $ 4,949 $ (646) $ 143,359 Investment securities held to maturity (HTM): June 30, 2020 Gross Gross Cost Unrealized Unrealized Fair Basis Gains Losses Value US Agency mortgage- backed securities $ 9,852 $ 472 $ — $ 10,324 Municipal 25,668 1,918 (51) 27,535 Corporate bonds and other securities 6,029 107 (6) 6,130 Total $ 41,549 $ 2,497 $ (57) $ 43,989 Investment securities available for sale (AFS): December 31, 2019 Gross Gross Cost Unrealized Unrealized Fair Basis Gains Losses Value US Agency $ 5,084 $ $ — $ 5,116 US Agency mortgage- backed securities 80,046 1,681 (94) 81,633 Municipal 14,678 509 (17) 15,170 Corporate bonds 39,769 342 (281) 39,830 Total $ 139,577 $ 2,564 $ (392) $ 141,749 Investment securities held to maturity (HTM): December 31, 2019 Gross Gross Cost Unrealized Unrealized Fair Basis Gains Losses Value US Agency mortgage- backed securities $ 9,466 $ 251 $ (4) $ 9,713 Municipal 24,438 941 (53) 25,326 Corporate bonds and other securities 6,032 58 (47) 6,043 Total $ 39,936 $ 1,250 $ (104) $ 41,082
Schedule of investments with unrealized losses	The following tables present information concerning investments with unrealized losses as of June 30, 2020 and December 31, 2019 (in thousands): Total investment securities: June 30, 2020 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses US Agency $ — $ — $ — $ — $ — $ — US Agency mortgage-backed securities 559 (1) 151 (1) 710 (2) Municipal — — 754 (51) 754 (51) Corporate bonds and other securities 17,591 (487) 6,337 (163) 23,928 (650) Total $ 18,150 $ (488) $ 7,242 $ (215) $ 25,392 $ (703) Total investment securities: December 31, 2019 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses US Agency $ — $ — $ — $ — $ — $ — US Agency mortgage-backed securities 7,084 (23) 8,562 (75) 15,646 (98) Municipal 2,269 (18) 1,123 (52) 3,392 (70) Corporate bonds and other securities 7,797 (85) 11,783 (243) 19,580 (328) Total $ 17,150 $ (126) $ 21,468 $ (370) $ 38,618 $ (496)
Schedule of investment securities	Total investment securities: June 30, 2020 Available for sale Held to maturity Cost Fair Cost Fair Basis Value Basis Value Within 1 year $ 3,502 $ 3,511 $ 400 $ 405 After 1 year but within 5 years 22,384 22,576 7,968 8,227 After 5 years but within 10 years 46,234 47,401 19,486 20,957 After 10 years but within15 years 20,122 21,076 7,493 7,962 Over 15 years 46,814 48,795 6,202 6,438 Total $ 139,056 $ 143,359 $ 41,549 $ 43,989

Loans (Tables)

Loans (Tables)	6 Months Ended
	Jun. 30, 2020
Loans
Schedule of loan portfolio	The loan portfolio of the Company consists of the following (in thousands): June 30, December 31, 2020 2019 Commercial: Commercial and industrial (non-PPP) $ 154,379 $ 173,922 Paycheck Protection Program (PPP) 66,933 — Commercial loans secured by owner occupied real estate 86,080 91,655 Commercial loans secured by non-owner occupied real estate 365,250 363,635 Real estate – residential mortgage 230,509 235,239 Consumer 17,010 18,255 Loans, net of unearned income $ 920,161 $ 882,706
Summary of risk concentrations for commercial and commercial real estate loans by industry type	The following table provides information regarding our potential COVID-19 risk concentrations for commercial and commercial real estate loans by industry type at June 30, 2020 (in thousands). Paycheck Commercial loans Commercial loans Commercial Protection secured by owner secured by non-owner and industrial Program occupied real estate occupied real estate Total 1-4 unit residential $ 1,528 $ — $ 195 $ 4,782 $ 6,505 Multifamily/apartments/student housing — — 309 50,826 51,135 Office 32,380 9,545 9,791 37,171 88,887 Retail 8,406 1,782 19,629 105,085 134,902 Industrial/manufacturing/warehouse 90,727 28,618 17,408 40,112 176,865 Hotels 440 1,287 - 45,721 47,448 Eating and drinking places 878 13,608 4,430 575 19,491 Amusement and recreation 218 100 3,363 52 3,733 Mixed use - - 2,798 65,952 68,750 Other 19,802 11,993 28,157 14,974 74,926 Total $ 154,379 $ 66,933 $ 86,080 $ 365,250 $ 672,642

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	6 Months Ended
	Jun. 30, 2020
Allowance for Loan Losses
Schedule of Loan losses by portfolio segment	The following tables summarize the rollforward of the allowance for loan losses by portfolio segment for the three and six month periods ending June 30, 2020 and 2019 (in thousands). Three months ended June 30, 2020 Balance at Balance at March 31, Charge- Provision June 30, 2020 Offs Recoveries (Credit) 2020 Commercial $ 3,860 $ — $ — $ (76) $ 3,784 Commercial loans secured by non-owner occupied real estate 3,288 — 7 324 3,619 Real estate-residential mortgage 1,141 (90) 16 149 1,216 Consumer 120 (29) 11 17 119 Allocation for general risk 925 — — 36 961 Total $ 9,334 $ (119) $ 34 $ 450 $ 9,699 Three months ended June 30, 2019 Balance at Balance at March 31, Charge- Provision June 30, 2019 Offs Recoveries (Credit) 2019 Commercial $ 2,614 $ — $ — $ (76) $ 2,538 Commercial loans secured by non-owner occupied real estate 3,373 — 13 39 3,425 Real estate-residential mortgage 1,213 (10) 68 (53) 1,218 Consumer 125 (88) 12 75 124 Allocation for general risk 782 — — 15 797 Total $ 8,107 $ (98) $ 93 $ — $ 8,102 Six months ended June 30, 2020 Balance at Balance at December 31, Charge- Provision June 30, 2019 Offs Recoveries (Credit) 2020 Commercial $ 3,951 $ — $ — $ (167) $ 3,784 Commercial loans secured by non-owner occupied real estate 3,119 — 21 479 3,619 Real estate–residential mortgage 1,159 (182) 22 217 1,216 Consumer 126 (91) 25 59 119 Allocation for general risk 924 — — 37 961 Total $ 9,279 $ (273) $ 68 $ 625 $ 9,699 Six months ended June 30, 2019 Balance at Balance at December 31, Charge- Provision June 30, 2018 Offs Recoveries (Credit) 2019 Commercial $ 3,057 $ — $ 5 $ (524) $ 2,538 Commercial loans secured by non-owner occupied real estate 3,389 (63) 24 75 3,425 Real estate – residential mortgage 1,235 (71) 76 (22) 1,218 Consumer 127 (170) 30 137 124 Allocation for general risk 863 — — (66) 797 Total $ 8,671 $ (304) $ 135 $ (400) $ 8,102
Schedule of Loan loss by the primary segments	The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio (in thousands). At June 30, 2020 Commercial Loans Real Secured by Non- Estate- Owner Residential Allocation for Commercial Occupied Real Estate Mortgage Consumer General Risk Total Loans: Individually evaluated for impairment $ 818 $ 8 $ — $ — $ 826 Collectively evaluated for impairment 306,574 365,242 230,509 17,010 919,335 Total loans $ 307,392 $ 365,250 $ 230,509 $ 17,010 $ 920,161 Allowance for loan losses: Specific reserve allocation $ 78 $ 8 $ — $ — $ — $ 86 General reserve allocation 3,706 3,611 1,216 119 961 9,613 Total allowance for loan losses $ 3,784 $ 3,619 $ 1,216 $ 119 $ 961 $ 9,699 At December 31, 2019 Commercial Loans Real Secured by Non- Estate- Owner Residential Allocation for Commercial Occupied Real Estate Mortgage Consumer General Risk Total Loans: Individually evaluated for impairment $ 816 $ 8 $ — $ — $ 824 Collectively evaluated for impairment 264,761 363,627 235,239 18,255 881,882 Total loans $ 265,577 $ 363,635 $ 235,239 $ 18,255 $ 882,706 Allowance for loan losses: Specific reserve allocation $ 84 $ 8 $ — $ — $ — $ 92 General reserve allocation 3,867 3,111 1,159 126 924 9,187 Total allowance for loan losses $ 3,951 $ 3,119 $ 1,159 $ 126 $ 924 $ 9,279
Schedule of Present impaired loans by portfolio segment	The following tables present impaired loans by portfolio segment, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary (in thousands). June 30, 2020 Impaired Loans with Impaired Loans with no Specific Specific Allowance Allowance Total Impaired Loans Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance Commercial $ 818 $ 78 $ — $ 818 $ 818 Commercial loans secured by non-owner occupied real estate 8 8 — 8 30 Total impaired loans $ 826 $ 86 $ — $ 826 $ 848 December 31, 2019 Impaired Loans with Impaired Loans with no Specific Specific Allowance Allowance Total Impaired Loans Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance Commercial $ 816 $ 84 $ — $ 816 $ 816 Commercial loans secured by non-owner occupied real estate 8 8 — 8 30 Total impaired loans $ 824 $ 92 $ — $ 824 $ 846
Schedule of Investment in impaired loans and related interest income	The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated (in thousands). Three months ended Six months ended June 30, June 30, 2020 2019 2020 2019 Average loan balance: Commercial $ 826 $ 375 $ 822 $ 250 Commercial loans secured by non-owner occupied real estate 8 11 8 11 Average investment in impaired loans $ 834 $ 386 $ 830 $ 261 Interest income recognized: Commercial $ 10 $ 4 $ 22 $ 4 Commercial loans secured by non-owner occupied real estate — — — — Interest income recognized on a cash basis on impaired loans $ 10 $ 4 $ 22 $ 4
Schedule of Commercial and commercial real estate loan portfolios	The following table presents the classes of the commercial and commercial real estate loan portfolios summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system (in thousands). June 30, 2020 Special Pass Mention Substandard Doubtful Total Commercial and industrial $ 209,144 $ 725 $ 11,443 $ — $ 221,312 Commercial loans secured by owner occupied real estate 83,485 1,306 1,289 — 86,080 Commercial loans secured by non-owner occupied real estate 363,682 — 1,560 8 365,250 Total $ 656,311 $ 2,031 $ 14,292 $ 8 $ 672,642 December 31, 2019 Special Pass Mention Substandard Doubtful Total Commercial and industrial $ 161,147 $ 853 $ 11,922 $ — $ 173,922 Commercial loans secured by owner occupied real estate 88,942 1,384 1,329 — 91,655 Commercial loans secured by non-owner occupied real estate 362,027 — 1,600 8 363,635 Total $ 612,116 $ 2,237 $ 14,851 $ 8 $ 629,212
Schedule of Residential and consumer portfolio	The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolio classes (in thousands). June 30, 2020 Performing Non-Performing Total Real estate – residential mortgage $ 228,213 $ 2,296 $ 230,509 Consumer 17,010 — 17,010 Total $ 245,223 $ 2,296 $ 247,519 December 31, 2019 Performing Non-Performing Total Real estate – residential mortgage $ 233,760 $ 1,479 $ 235,239 Consumer 18,255 — 18,255 Total $ 252,015 $ 1,479 $ 253,494
Schedule of Credit quality of the loan portfolio	The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and non-accrual loans (in thousands). June 30, 2020 90 Days 30 – 59 60 – 89 Past Due Days Days 90 Days Total Total and Still Current Past Due Past Due Past Due Past Due Loans Accruing Commercial and industrial $ 221,251 $ 40 $ 21 $ — $ 61 $ 221,312 $ — Commercial loans secured by owner occupied real estate 85,267 — 813 — 813 86,080 — Commercial loans secured by non-owner occupied real estate 365,250 — — — — 365,250 — Real estate – residential mortgage 224,654 1,792 967 3,096 5,855 230,509 1,581 Consumer 16,988 17 5 — 22 17,010 — Total $ 913,410 $ 1,849 $ 1,806 $ 3,096 $ 6,751 $ 920,161 $ 1,581 December 31, 2019 90 Days 30 – 59 60 – 89 Past Due Days Days 90 Days Total Total and Still Current Past Due Past Due Past Due Past Due Loans Accruing Commercial and industrial $ 173,922 $ — $ — $ — $ — $ 173,922 $ — Commercial loans secured by owner occupied real estate 91,538 117 — — 117 91,655 — Commercial loans secured by non-owner occupied real estate 363,635 — — — — 363,635 — Real estate – residential mortgage 231,022 2,331 864 1,022 4,217 235,239 — Consumer 18,190 42 23 — 65 18,255 — Total $ 878,307 $ 2,490 $ 887 $ 1,022 $ 4,399 $ 882,706 $ —

Non-Performing Assets Includi_2

Non-Performing Assets Including Troubled Debt Restructurings (TDR) (Tables)	6 Months Ended
	Jun. 30, 2020
Non-Performing Assets Including Troubled Debt Restructurings (TDR)
Schedule of nonperforming assets including trouble debt restructurings	The following table presents information concerning non-performing assets including TDR (in thousands, except percentages): June 30, December 31, 2020 2019 Non-accrual loans Commercial and industrial $ 21 $ — Commercial loans secured by non-owner occupied real estate 8 8 Real estate-residential mortgage 2,296 1,479 Total 2,325 1,487 Other real estate owned Real estate-residential mortgage — 37 Total — 37 TDR’s not in non-accrual Commercial and industrial 797 815 Total 797 815 Total non-performing assets including TDR $ 3,122 $ 2,339 Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned 0.34 % 0.26 %
Schedule of interest income on non accrual loans	The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans (in thousands). Three months Six months ended ended June 30, June 30, 2020 2019 2020 2019 Interest income due in accordance with original terms $ 21 $ 14 $ 38 $ 29 Interest income recorded — — — — Net reduction in interest income $ 21 $ 14 $ 38 $ 29
Schedule of troubled debt restructurings on financing receivables	The following table details the loan modified as a TDR during the six-month period ended June 30, 2020 (dollars in thousands). Loans in accrual status # of Loans Current Balance Concession Granted Commercial and industrial 1 $ 750 Subsequent modification of a TDR - extension of maturity date with a below market interest rate The following table details the loan modified as a TDR during the three and six month periods ended June 30, 2019 (dollars in thousands). Loans in accrual status # of Loans Current Balance Concession Granted Commercial and industrial 1 $ 750 Extension of maturity date with a below market interest rate
Summary of loans for which payment relief has been requested related to COVID-19	% of Balance Outstanding Non-PPP (in thousands) Loans CRE/Commercial $ 190,276 30.4 % Home Equity/Consumer 5,890 6.0 Residential Mortgage 3,839 2.8 Total $ 200,005 23.2
Summary of deferral of principal and interest payments	Number Balance of Loans (in thousands) Type of Payment Relief Interest only payments 83 $ 87,881 Complete payment deferrals 296 103,378 Maturity date extensions 4 8,746 Total 383 $ 200,005

Federal Home Loan Bank Borrow_2

Federal Home Loan Bank Borrowings (Tables)	6 Months Ended
	Jun. 30, 2020
Federal Home Loan Bank Borrowing
Schedule of federal home loan bank borrowings	Total Federal Home Loan Bank (FHLB) borrowings and advances consist of the following (in thousands, except percentages): At June 30, 2020 Weighted Type Maturing Amount Average Rate Open Repo Plus Overnight $ 7,558 0.39 % Advances 2020 10,187 1.45 2021 11,496 1.92 2022 20,888 2.03 2023 15,568 1.59 2024 4,197 1.19 Total advances 62,336 1.75 Total FHLB borrowings $ 69,894 1.60 % At December 31, 2019 Weighted Type Maturing Amount Average Rate Open Repo Plus Overnight $ 22,412 1.81 % Advances 2020 18,729 1.75 2021 9,496 2.28 2022 17,838 2.21 2023 5,568 2.48 2024 2,037 1.86 Total advances 53,668 2.08 Total FHLB borrowings $ 76,080 2.00 %

Lease Commitments (Tables)

Lease Commitments (Tables)	6 Months Ended
	Jun. 30, 2020
Lease Commitments
Schedule of lease cost associated with both operating and financing leases	The following table presents the lease cost associated with both operating and financing leases for the three and six month periods ending June 30, 2020 and 2019 (in thousands). Three months ended Six months ended June 30, June 30, Lease cost 2020 2019 2020 2019 Financing lease cost: Amortization of right-of-use asset $ 68 $ $ 135 $ 129 Interest expense 28 57 59 Operating lease cost 29 58 58 Total lease cost $ 125 $ $ 250 $ 246
Schedule of weighted average discount rates and the remaining term of the leases	The following table presents the weighted-average remaining lease term and discount rate for the leases outstanding at June 30, 2020 and December 31, 2019. June 30, 2020 December 31, 2019 Operating Financing Operating Financing Weighted-average remaining term (years) 11.6 16.6 11.9 17.1 Weighted-average discount rate 3.47 % 3.58 % 3.46 % 3.60 %
Schedule of reconciliation to the discounted amount recorded on the consolidated balance sheets	The following table presents the undiscounted cash flows due related to operating and financing leases, along with a reconciliation to the discounted amount recorded on the Consolidated Balance Sheets (in thousands). June 30, 2020 Undiscounted cash flows due: Operating Financing Within 1 year $ 119 $ 295 After 1 year but within 2 years 117 289 After 2 years but within 3 years 75 291 After 3 years but within 4 years 69 264 After 4 years but within 5 years 69 252 After 5 years 556 2,882 Total undiscounted cash flows 1,005 4,273 Discount on cash flows (184) (1,147) Total lease liabilities $ 821 $ 3,126 December 31, 2019 Undiscounted cash flows due: Operating Financing Within 1 year $ 118 $ 296 After 1 year but within 2 years 120 275 After 2 years but within 3 years 98 277 After 3 years but within 4 years 69 274 After 4 years but within 5 years 69 236 After 5 years 589 3,007 Total undiscounted cash flows 1,063 4,365 Discount on cash flows (198) (1,202) Total lease liabilities $ 865 $ 3,163

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	6 Months Ended
	Jun. 30, 2020
Accumulated Other Comprehensive Loss
Schedule of accumulated other comprehensive loss, net of tax	The following table presents the changes in each component of accumulated other comprehensive loss, net of tax, for the three and six months ended June 30, 2020 and 2019 (in thousands): Three months ended Three months ended June 30, 2020 June 30, 2019 Net Net Unrealized Unrealized Gains and Gains and (Losses) on Defined (Losses) on Defined Investment Benefit Investment Benefit Securities Pension Securities Pension AFS (1) Items (1) Total (1) AFS (1) Items (1) Total (1) Beginning balance $ 2,639 $ (17,469) $ (14,830) $ (16) $ (14,266) $ (14,282) Other comprehensive income (loss) before reclassifications 759 (512) 247 1,438 29 1,467 Amounts reclassified from accumulated other comprehensive loss — 512 512 (24) 289 265 Net current period other comprehensive income 759 — 759 1,414 318 1,732 Ending balance $ 3,398 $ (17,469) $ (14,071) $ 1,398 $ (13,948) $ (12,550) (1) Amounts in parentheses indicate debits on the Consolidated Balance Sheets. Six months ended Six months ended June 30, 2020 June 30, 2019 Net Net Unrealized Unrealized Gains and Gains and (Losses) on Defined (Losses) on Defined Investment Benefit Investment Benefit Securities Pension Securities Pension AFS (1) Items (1) Total (1) AFS (1) Items (1) Total (1) Beginning balance $ 1,715 $ (17,886) $ (16,171) $ (1,409) $ (12,816) $ (14,225) Other comprehensive income (loss) before reclassifications 1,683 (607) 1,076 2,831 (1,710) 1,121 Amounts reclassified from accumulated other comprehensive loss — 1,024 1,024 (24) 578 554 Net current period other comprehensive income (loss) 1,683 417 2,100 2,807 (1,132) 1,675 Ending balance $ 3,398 $ (17,469) $ (14,071) $ 1,398 $ (13,948) $ (12,550) Amounts in parentheses indicate debits on the Consolidated Balance Sheets.
Schedule of reclassification out of accumulated other comprehensive loss	The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the three and six months ended June 30, 2020 and 2019 (in thousands): Amount reclassified from accumulated other comprehensive loss (1) For the For the three months three months ended ended June 30, June 30, Affected line item in the Details about accumulated other comprehensive loss components 2020 2019 consolidated statement of operations Realized gains on sale of securities $ — $ (30) Net realized gains on investment securities — 6 Provision for income tax expense $ — $ (24) Net of tax Amortization of estimated defined benefit pension plan loss (2) $ 648 $ 366 Other expense (136) (77) Provision for income tax expense $ 512 $ 289 Net of tax Total reclassifications for the period $ 512 $ 265 Net income (1) Amounts in parentheses indicate credits. (2) These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 18 for additional details). Amount reclassified from accumulated other comprehensive loss (1) For the For the six months six months ended ended June 30, June 30, Affected line item in the Details about accumulated other comprehensive loss components 2020 2019 consolidated statement of operations Realized gains on sale of securities $ — $ (30) Net realized gains on investment securities — 6 Provision for income tax expense $ — $ (24) Net of tax Amortization of estimated defined benefit pension plan loss (2) $ 1,296 $ 732 Other expense (272) (154) Provision for income tax expense $ 1,024 $ 578 Net of tax Total reclassifications for the period $ 1,024 $ 554 Net income

Regulatory Capital (Tables)

Regulatory Capital (Tables)	6 Months Ended
	Jun. 30, 2020
Regulatory Capital
Schedule of compliance with regulatory capital requirements under banking regulations	The Company believes that no conditions or events have occurred that would change this conclusion as of such date. To be categorized as well capitalized, the Bank must maintain minimum total capital, common equity tier 1 capital, tier 1 capital, and tier 1 leverage ratios as set forth in the table (in thousands, except ratios). At June 30, 2020 MINIMUM TO BE WELL REQUIRED CAPITALIZED FOR UNDER PROMPT CAPITAL CORRECTIVE ADEQUACY ACTION COMPANY BANK PURPOSES REGULATIONS* AMOUNT RATIO AMOUNT RATIO RATIO RATIO Total Capital (To Risk Weighted Assets) $ 134,705 13.19 % $ 122,010 12.01 % 8.00 % 10.00 % Common Equity Tier 1 (To Risk Weighted Assets) 104,731 10.26 111,453 10.97 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 116,626 11.42 111,453 10.97 6.00 8.00 Tier 1 Capital (To Average Assets) 116,626 9.54 111,453 9.22 4.00 5.00 At December 31, 2019 MINIMUM TO BE WELL REQUIRED CAPITALIZED FOR UNDER PROMPT CAPITAL CORRECTIVE ADEQUACY ACTION COMPANY BANK PURPOSES REGULATIONS* AMOUNT RATIO AMOUNT RATIO RATIO RATIO Total Capital (To Risk Weighted Assets) $ 132,544 13.49 % $ 119,477 12.23 % 8.00 % 10.00 % Common Equity Tier 1 (To Risk Weighted Assets) 102,841 10.47 109,173 11.17 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 114,729 11.68 109,173 11.17 6.00 8.00 Tier 1 Capital (To Average Assets) 114,729 9.87 109,173 9.50 4.00 5.00 *

Derivative Hedging Instruments

Derivative Hedging Instruments (Tables)	6 Months Ended
	Jun. 30, 2020
Derivative Hedging Instruments
Schedule of interest rate swap transactions	The following table summarizes the interest rate swap transactions that impacted the Company’s first six months of 2020 and 2019 performance (in thousands, except percentages). At June 30, 2020 INCREASE AGGREGATE WEIGHTED (DECREASE) HEDGE NOTIONAL AVERAGE RATE REPRICING IN INTEREST TYPE AMOUNT RECEIVED/(PAID) FREQUENCY EXPENSE SWAP ASSETS FAIR VALUE $ 32,866 3.37 % MONTHLY $ (179) SWAP LIABILITIES FAIR VALUE (32,866) (3.37) MONTHLY 179 NET EXPOSURE — — — At June 30, 2019 INCREASE AGGREGATE WEIGHTED (DECREASE) HEDGE NOTIONAL AVERAGE RATE REPRICING IN INTEREST TYPE AMOUNT RECEIVED/(PAID) FREQUENCY EXPENSE SWAP ASSETS FAIR VALUE $ 22,628 4.78 % MONTHLY $ 16 SWAP LIABILITIES FAIR VALUE (22,628) (4.78) MONTHLY (16) NET EXPOSURE — — —

Segment Results (Tables)

Segment Results (Tables)	6 Months Ended
	Jun. 30, 2020
Segment Results
Schedule of business segments	The contribution of the major business segments to the Consolidated Statements of Operations for the three and six months ended June 30, 2020 and 2019 were as follows (in thousands): Three months ended Six months ended June 30, 2020 June 30, 2020 Total Net Total Net revenue income (loss) revenue income (loss) Community banking $ 12,385 $ 2,755 $ 23,833 $ 5,279 Wealth management 2,484 476 5,052 963 Investment/Parent (1,629) (1,812) (3,062) (3,414) Total $ 13,240 $ 1,419 $ 25,823 $ 2,828 Three months ended Six months ended June 30, 2019 June 30, 2019 Total Net Total Net revenue income (loss) revenue income (loss) Community banking $ 11,535 $ 2,882 $ 22,628 $ 5,830 Wealth management 2,440 444 4,857 888 Investment/Parent (1,257) (1,534) (2,505) (3,048) Total $ 12,718 $ 1,792 $ 24,980 $ 3,670

Pension Benefits (Tables)

Pension Benefits (Tables)	6 Months Ended
	Jun. 30, 2020
Pension Benefits
Schedule of net periodic pension cost	The net periodic pension cost for the three and six months ended June 30, 2020 and 2019 were as follows (in thousands): Three months ended Six months ended June 30, June 30, 2020 2019 2020 2019 Components of net periodic benefit cost Service cost $ 441 $ 374 $ 882 $ 748 Interest cost 319 402 638 804 Expected return on plan assets (817) (762) (1,634) (1,524) Recognized net actuarial loss 648 366 1,296 732 Net periodic pension cost $ 591 $ 380 $ 1,182 $ 760

Disclosures about Fair Value _2

Disclosures about Fair Value Measurements and Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2020
Disclosures about Fair Value Measurements and Financial Instruments
Schedule of assets and liabilities measured and recorded at fair value on a recurring basis	The fair values of the interest rate swaps used for interest rate risk management are based on an external derivative valuation model using data inputs from similar transactions as of the valuation date and classified Level 2. The following table presents the assets and liability measured and reported on the Consolidated Balance Sheets on a recurring basis at their fair value as of June 30, 2020 and December 31, 2019, by level within the fair value hierarchy (in thousands). Fair Value Measurements at June 30, 2020 Total (Level 1) (Level 2) (Level 3) Equity securities $ 391 $ 391 $ — $ — Available for sale securities: US Agency 3,357 — 3,357 — US Agency mortgage-backed securities 76,038 — 76,038 — Municipal 16,308 — 16,308 — Corporate bonds 47,656 — 47,656 — Fair value swap assets 3,785 — 3,785 — Fair value swap liabilities (3,785) — (3,785) — Fair Value Measurements at December 31, 2019 Total (Level 1) (Level 2) (Level 3) Equity securities $ 366 $ 366 $ — $ — Available for sale securities: US Agency 5,116 — 5,116 — US Agency mortgage-backed securities 81,633 — 81,633 — Municipal 15,170 — 15,170 — Corporate bonds 39,830 — 39,830 — Fair value swap assets 959 — 959 — Fair value swap liabilities (959) — (959) —
Schedule of assets measured and recorded at fair value on a non-recurring basis	Assets measured and recorded at fair value on a non-recurring basis are summarized below (in thousands, except range data): Fair Value Measurements at June 30, 2020 Total (Level 1) (Level 2) (Level 3) Impaired loans $ 258 $ — $ — $ 258 Fair Value Measurements at December 31, 2019 Total (Level 1) (Level 2) (Level 3) Impaired loans $ 255 $ — $ — $ 255 Other real estate owned 37 — — 37 Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Unobservable Range June 30, 2020 Estimate Techniques Input (Wgtd Avg) Impaired loans $ 258 Appraisal of collateral (1) Appraisal adjustments(2) 0% to 100% (3%) Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Unobservable Range December 31, 2019 Estimate Techniques Input (Wgtd Avg) Impaired loans $ 255 Appraisal of collateral(1) Appraisal adjustments(2) 0% to 100% (3%) Other real estate owned 37 Appraisal of collateral (1) Appraisal adjustments (2) Liquidation expenses 0% to 57% (38%) 21% to 134% (30%) (1) Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable. Also includes qualitative adjustments by management and estimated liquidation expenses. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions.
Schedule of estimated fair value and recorded carrying value	The estimated fair values based on US GAAP measurements and recorded carrying values at June 30, 2020 and December 31, 2019, for the remaining financial instruments not required to be measured or reported at fair value were as follows (in thousands): June 30, 2020 Carrying Fair Value Value (Level 1) (Level 2) (Level 3) FINANCIAL ASSETS: Investment securities – HTM $ 41,549 $ 43,989 $ — $ 40,995 $ 2,994 Loans held for sale 8,189 8,359 8,359 — — Loans, net of allowance for loan loss and unearned income 910,462 919,636 — — 919,636 FINANCIAL LIABILITIES: Deposits with no stated maturities $ 717,252 $ 729,128 $ — $ — $ 729,128 Deposits with stated maturities 315,781 319,744 — — 319,744 All other borrowings (1) 82,820 89,225 — — 89,225 December 31, 2019 Carrying Fair Value Value (Level 1) (Level 2) (Level 3) FINANCIAL ASSETS: Investment securities – HTM $ 39,936 $ 41,082 $ — $ 38,129 $ 2,953 Loans held for sale 4,868 4,970 4,970 — — Loans, net of allowance for loan loss and unearned income 873,427 873,908 — — 873,908 FINANCIAL LIABILITIES: Deposits with no stated maturities $ 651,469 $ 631,023 $ — $ — $ 631,023 Deposits with stated maturities 309,044 310,734 — — 310,734 All other borrowings (1) 74,134 76,323 — — 76,323 (1) All other borrowings include advances from Federal Home Loan Bank, guaranteed junior subordinated deferrable interest debentures, and subordinated debt.

Principles of Consolidation (De

Principles of Consolidation (Details) $ in Billions	Jun. 30, 2020USD ($)location
Assets under Management, Carrying Amount | $	$ 2.2
Pennsylvania
Number of locations	15
Maryland
Number of locations	1

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Revenue Recognition
Wealth management fees	$ 2,471	$ 2,419	$ 5,025	$ 4,815
Service charges on deposit accounts	176	317	462	627
Other	396	435	786	854
Non-interest income (in-scope of Topic 606)	3,043	3,171	6,273	6,296
Non-interest income (out-of-scope of Topic 606)	724	486	1,326	966
Total Non-Interest Income	$ 3,767	$ 3,657	$ 7,599	$ 7,262

Revenue Recognition - Additiona

Revenue Recognition - Additional information (Details)	6 Months Ended
	Jun. 30, 2020USD ($)
Percentage Of Entity Revenue	80.20%
Other assets
Wealth management fees receivable	$ 825,000

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Numerator:
Net income	$ 1,419	$ 1,792	$ 2,828	$ 3,670
Denominator:
Weighted average common shares outstanding (basic)	17,052	17,476	17,047	17,527
Effect of stock options	4	84	23	84
Weighted average common shares outstanding (diluted)	17,056	17,560	17,070	17,611
Earnings per common share:
Basic	$ 0.08	$ 0.10	$ 0.17	$ 0.21
Diluted	$ 0.08	$ 0.10	$ 0.17	$ 0.21

Earnings Per Common Share - Add

Earnings Per Common Share - Additional information (Details) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	216,759	12,000	29,500	12,000
Maximum
Exercise price	$ 4.22	$ 4.22	$ 4.22	$ 4.22
Minimum
Exercise price	$ 2.96	$ 4.19	$ 3.90	$ 4.19

Consolidated Statement of Cas_2

Consolidated Statement of Cash Flows (Details) - USD ($)	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Income tax payments	$ 0	$ 300,000
Total interest payments	6,128,000	7,044,000
Non-cash transfers to other real estate owned	0	75,000
Operating Lease, Asset	803,000		$ 846,000
Operating Lease, Liability	821,000		865,000
Finance Lease, Asset	3,006,000		3,078,000
Finance Lease, Liability	3,126,000		$ 3,163,000
Office equipment leased
Finance Lease, Asset	63,000
Finance Lease, Liability	$ 63,000
Cumulative Effect, Period of Adoption, Adjustment [Member] | ASU 2016-02
Operating Lease, Asset		932,000
Operating Lease, Liability		932,000
Finance Lease, Asset		3,300,000
Finance Lease, Liability		$ 3,300,000

Investment Securities - Cost ba

Investment Securities - Cost basis and fair values of investment securities (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Information concerning investments with unrealized gains and losses
Investment securities available for sale, Cost Basis	$ 139,056	$ 139,577
Investment securities available for sale, Gross Unrealized Gains	4,949	2,564
Investment securities available for sale, Gross Unrealized Losses	(646)	(392)
Available for Sale, Fair Value, Total	143,359	141,749
Investment securities held to maturity, Cost Basis	41,549	39,936
Investment securities held to maturity, Gross Unrealized Gains	2,497	1,250
Investment securities held to maturity, Gross Unrealized Losses	(57)	(104)
Held to Maturity, Fair Value, Total	43,989	41,082
U.S. Agency
Information concerning investments with unrealized gains and losses
Investment securities available for sale, Cost Basis	3,175	5,084
Investment securities available for sale, Gross Unrealized Gains	182	32
Investment securities available for sale, Gross Unrealized Losses	0	0
Available for Sale, Fair Value, Total	3,357	5,116
U.S. Agency mortgage-backed securities
Information concerning investments with unrealized gains and losses
Investment securities available for sale, Cost Basis	72,802	80,046
Investment securities available for sale, Gross Unrealized Gains	3,238	1,681
Investment securities available for sale, Gross Unrealized Losses	(2)	(94)
Available for Sale, Fair Value, Total	76,038	81,633
Investment securities held to maturity, Cost Basis	9,852	9,466
Investment securities held to maturity, Gross Unrealized Gains	472	251
Investment securities held to maturity, Gross Unrealized Losses	0	(4)
Held to Maturity, Fair Value, Total	10,324	9,713
Municipal
Information concerning investments with unrealized gains and losses
Investment securities available for sale, Cost Basis	15,222	14,678
Investment securities available for sale, Gross Unrealized Gains	1,086	509
Investment securities available for sale, Gross Unrealized Losses	0	(17)
Available for Sale, Fair Value, Total	16,308	15,170
Investment securities held to maturity, Cost Basis	25,668	24,438
Investment securities held to maturity, Gross Unrealized Gains	1,918	941
Investment securities held to maturity, Gross Unrealized Losses	(51)	(53)
Held to Maturity, Fair Value, Total	27,535	25,326
Corporate bonds
Information concerning investments with unrealized gains and losses
Investment securities available for sale, Cost Basis	47,857	39,769
Investment securities available for sale, Gross Unrealized Gains	443	342
Investment securities available for sale, Gross Unrealized Losses	(644)	(281)
Available for Sale, Fair Value, Total	47,656	39,830
Corporate bonds and other securities
Information concerning investments with unrealized gains and losses
Investment securities held to maturity, Cost Basis	6,029	6,032
Investment securities held to maturity, Gross Unrealized Gains	107	58
Investment securities held to maturity, Gross Unrealized Losses	(6)	(47)
Held to Maturity, Fair Value, Total	$ 6,130	$ 6,043

Investment Securities - Informa

Investment Securities - Information concerning investments with unrealized losses (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Less than 12 months, Fair Value	$ 18,150	$ 17,150
Less than 12 months, Unrealized Losses	(488)	(126)
12 months or longer, Fair Value	7,242	21,468
12 months or longer, Unrealized Losses	(215)	(370)
Total, Fair Value	25,392	38,618
Total, Unrealized Losses	(703)	(496)
U.S. Agency
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Less than 12 months, Fair Value	0	0
Less than 12 months, Unrealized Losses	0	0
12 months or longer, Fair Value	0	0
12 months or longer, Unrealized Losses	0	0
Total, Fair Value	0	0
Total, Unrealized Losses	0	0
U.S. Agency mortgage-backed securities
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Less than 12 months, Fair Value	559	7,084
Less than 12 months, Unrealized Losses	(1)	(23)
12 months or longer, Fair Value	151	8,562
12 months or longer, Unrealized Losses	(1)	(75)
Total, Fair Value	710	15,646
Total, Unrealized Losses	(2)	(98)
Municipal
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Less than 12 months, Fair Value	0	2,269
Less than 12 months, Unrealized Losses	0	(18)
12 months or longer, Fair Value	754	1,123
12 months or longer, Unrealized Losses	(51)	(52)
Total, Fair Value	754	3,392
Total, Unrealized Losses	(51)	(70)
Corporate bonds and other securities
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Less than 12 months, Fair Value	17,591	7,797
Less than 12 months, Unrealized Losses	(487)	(85)
12 months or longer, Fair Value	6,337	11,783
12 months or longer, Unrealized Losses	(163)	(243)
Total, Fair Value	23,928	19,580
Total, Unrealized Losses	$ (650)	$ (328)

Investment Securities - Total i

Investment Securities - Total investment securities (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Contractual maturities of securities
Available for Sale, Cost Basis, Within 1 year	$ 3,502
Available for Sale, Cost Basis, After 1 year but within 5 years	22,384
Available for Sale, Cost Basis, After 5 years but within 10 years	46,234
Available for Sale, Cost Basis, After 10 years but within 15 years	20,122
Available for Sale, Cost Basis, Over 15 years	46,814
Available for Sale, Cost Basis, Total	139,056	$ 139,577
Available for Sale, Fair Value, Within 1 year	3,511
Available for Sale, Fair Value, After 1 year but within 5 years	22,576
Available for Sale, Fair Value, After 5 years but within 10 years	47,401
Available for Sale, Fair Value, After 10 years but within 15 years	21,076
Available for Sale, Fair Value, Over 15 years	48,795
Available for Sale, Fair Value, Total	143,359	141,749
Held to Maturity, Cost Basis, Within 1 year	400
Held to Maturity, Cost Basis, After 1 year but within 5 years	7,968
Held to Maturity, Cost Basis, After 5 years but within 10 years	19,486
Held to Maturity, Cost Basis, After 10 years but within 15 years	7,493
Held to Maturity, Cost Basis, Over 15 years	6,202
Held to Maturity, Cost Basis, Total	41,549	39,936
Held to Maturity, Fair Value, Within 1 year	405
Held to Maturity, Fair Value, After 1 year but within 5 years	8,227
Held to Maturity, Fair Value, After 5 years but within 10 years	20,957
Held to Maturity, Fair Value, After 10 years but within 15 years	7,962
Held to Maturity, Fair Value, Over 15 years	6,438
Held to Maturity, Fair Value, Total	$ 43,989	$ 41,082

Investment Securities - Additio

Investment Securities - Additional information (Details)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2020USD ($)position	Jun. 30, 2019USD ($)	Jun. 30, 2020USD ($)position	Jun. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Investment Securities:
Consolidated investment securities portfolio modified, years			23 months		36 months 27 days
Proceeds from sales of investment securities - available for sale	$ 0		$ 0	$ 530,000
Book value of securities available for sale and held to maturity	$ 115,585,000		$ 115,585,000		$ 117,076,000
Gross investment gains		$ 30,000		30,000
Available-for-sale, Securities and Held To Maturity Securities in Unrealized Loss Positions | position	34		34
Debt and Equity Securities, Gain (Loss)	$ 0	30,000	$ 0	30,000
Standard & Poor's, AAA Rating [Member]
INVESTMENT SECURITIES
Portfolio rated	48.20%		48.20%		53.40%
Securities rated below A [Member]
INVESTMENT SECURITIES
Portfolio rated	13.80%		13.80%		9.10%
Deferred Compensation, Share-based Payments [Member] | Assets Held With Rabbi Trust [Member]
Investment Securities:
Equity Securities, FV-NI	$ 391,000		$ 391,000		$ 366,000
Debt and Equity Securities, Gain (Loss)		$ 0		$ 0
Equity securities, realized loss	(21,000)		(15,000)
Equity securities, unrealized gain	$ 9,000		$ 3,000
Maximum
Investment Securities:
Consolidated investment securities portfolio modified, years			60 months

Loans - loan portfolio (Details

Loans - loan portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
LOANS
Loans, net of unearned income	$ 920,161	$ 882,706
Commercial and Industrial
LOANS
Loans, net of unearned income	154,379	173,922
Paycheck Protection Program (PPP)
LOANS
Loans, net of unearned income	66,933	0
Commercial loans secured by owner occupied real estate [Member]
LOANS
Loans, net of unearned income	86,080	91,655
Commercial loans secured by non-owner occupied real estate
LOANS
Loans, net of unearned income	365,250	363,635
Real estate-residential mortgage
LOANS
Loans, net of unearned income	230,509	235,239
Consumer [Member]
LOANS
Loans, net of unearned income	$ 17,010	$ 18,255

Loans - Commercial real estate

Loans - Commercial real estate loans (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
LOANS
Loans, net of unearned income	$ 920,161	$ 882,706
1-4 unit residential
LOANS
Loans, net of unearned income	6,505
Multifamily/apartments/student housing
LOANS
Loans, net of unearned income	51,135
Office
LOANS
Loans, net of unearned income	88,887
Retail
LOANS
Loans, net of unearned income	134,902
Industrial/manufacturing/warehouse
LOANS
Loans, net of unearned income	176,865
Hotels
LOANS
Loans, net of unearned income	47,448
Eating and drinking places
LOANS
Loans, net of unearned income	19,491
Amusement and recreation
LOANS
Loans, net of unearned income	3,733
Mixed use
LOANS
Loans, net of unearned income	68,750
Other
LOANS
Loans, net of unearned income	74,926
Commercial and Industrial
LOANS
Loans, net of unearned income	154,379	173,922
Commercial and Industrial | 1-4 unit residential
LOANS
Loans, net of unearned income	1,528
Commercial and Industrial | Office
LOANS
Loans, net of unearned income	32,380
Commercial and Industrial | Retail
LOANS
Loans, net of unearned income	8,406
Commercial and Industrial | Industrial/manufacturing/warehouse
LOANS
Loans, net of unearned income	90,727
Commercial and Industrial | Hotels
LOANS
Loans, net of unearned income	440
Commercial and Industrial | Eating and drinking places
LOANS
Loans, net of unearned income	878
Commercial and Industrial | Amusement and recreation
LOANS
Loans, net of unearned income	218
Commercial and Industrial | Other
LOANS
Loans, net of unearned income	19,802
Paycheck Protection Program (PPP)
LOANS
Loans, net of unearned income	66,933	0
Paycheck Protection Program (PPP) | Office
LOANS
Loans, net of unearned income	9,545
Paycheck Protection Program (PPP) | Retail
LOANS
Loans, net of unearned income	1,782
Paycheck Protection Program (PPP) | Industrial/manufacturing/warehouse
LOANS
Loans, net of unearned income	28,618
Paycheck Protection Program (PPP) | Hotels
LOANS
Loans, net of unearned income	1,287
Paycheck Protection Program (PPP) | Eating and drinking places
LOANS
Loans, net of unearned income	13,608
Paycheck Protection Program (PPP) | Amusement and recreation
LOANS
Loans, net of unearned income	100
Paycheck Protection Program (PPP) | Other
LOANS
Loans, net of unearned income	11,993
Commercial loans secured by owner occupied real estate [Member]
LOANS
Loans, net of unearned income	86,080	91,655
Commercial loans secured by owner occupied real estate [Member] | 1-4 unit residential
LOANS
Loans, net of unearned income	195
Commercial loans secured by owner occupied real estate [Member] | Multifamily/apartments/student housing
LOANS
Loans, net of unearned income	309
Commercial loans secured by owner occupied real estate [Member] | Office
LOANS
Loans, net of unearned income	9,791
Commercial loans secured by owner occupied real estate [Member] | Retail
LOANS
Loans, net of unearned income	19,629
Commercial loans secured by owner occupied real estate [Member] | Industrial/manufacturing/warehouse
LOANS
Loans, net of unearned income	17,408
Commercial loans secured by owner occupied real estate [Member] | Eating and drinking places
LOANS
Loans, net of unearned income	4,430
Commercial loans secured by owner occupied real estate [Member] | Amusement and recreation
LOANS
Loans, net of unearned income	3,363
Commercial loans secured by owner occupied real estate [Member] | Mixed use
LOANS
Loans, net of unearned income	2,798
Commercial loans secured by owner occupied real estate [Member] | Other
LOANS
Loans, net of unearned income	28,157
Commercial loans secured by non-owner occupied real estate
LOANS
Loans, net of unearned income	365,250	$ 363,635
Commercial loans secured by non-owner occupied real estate | 1-4 unit residential
LOANS
Loans, net of unearned income	4,782
Commercial loans secured by non-owner occupied real estate | Multifamily/apartments/student housing
LOANS
Loans, net of unearned income	50,826
Commercial loans secured by non-owner occupied real estate | Office
LOANS
Loans, net of unearned income	37,171
Commercial loans secured by non-owner occupied real estate | Retail
LOANS
Loans, net of unearned income	105,085
Commercial loans secured by non-owner occupied real estate | Industrial/manufacturing/warehouse
LOANS
Loans, net of unearned income	40,112
Commercial loans secured by non-owner occupied real estate | Hotels
LOANS
Loans, net of unearned income	45,721
Commercial loans secured by non-owner occupied real estate | Eating and drinking places
LOANS
Loans, net of unearned income	575
Commercial loans secured by non-owner occupied real estate | Amusement and recreation
LOANS
Loans, net of unearned income	52
Commercial loans secured by non-owner occupied real estate | Mixed use
LOANS
Loans, net of unearned income	65,952
Commercial loans secured by non-owner occupied real estate | Other
LOANS
Loans, net of unearned income	14,974
Commercial
LOANS
Loans, net of unearned income	$ 672,642

Loans - Additional information

Loans - Additional information (Details)	Mar. 27, 2020USD ($)item	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2019USD ($)
LOANS
Real estate-construction loans, percentage		5.60%		5.60%		4.90%
Loan balances net of unearned income		$ 1,569,000		$ 1,569,000		$ 384,000
Unrecognized fee income from the PPP loan originations		1,184,000		1,184,000
Fee Income from Loans		10,448,000	$ 10,994,000	$ 20,780,000	$ 21,412,000
Paycheck Protection Program (PPP)
LOANS
Number of times of average monthly payroll costs | item	2.5
Loan amount	$ 10,000,000
Interest rate	1.00%
Percentage of guarantee by SBA	100.00%
Percentage of loan proceeds used for payroll expenses	60.00%
Loans Receivable, Number Of Applications Received				437
Loans Receivable, Excess Of Loan Application Received		$ 66,900,000		$ 66,900,000
Fee Income from Loans				$ 1,000,000
Paycheck Protection Program (PPP) | originated prior to June 5, 2020
LOANS
Loan term	2 years
Paycheck Protection Program (PPP) | originated after June 5, 2020
LOANS
Loan term	5 years

Allowance for Loan Losses - Loa

Allowance for Loan Losses - Loan losses by portfolio segment (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	$ 9,334	$ 8,107	$ 9,279	$ 8,671
Charge-Offs	(119)	(98)	(273)	(304)
Recoveries	34	93	68	135
Provision (Credit)	450	0	625	(400)
Balance at End of Period	9,699	8,102	9,699	8,102
Allocation for General Risk [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	925	782	924	863
Charge-Offs	0	0	0	0
Recoveries	0	0	0	0
Provision (Credit)	36	15	37	(66)
Balance at End of Period	961	797	961	797
Commercial | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	3,860	2,614	3,951	3,057
Charge-Offs	0	0	0	0
Recoveries	0	0	0	5
Provision (Credit)	(76)	(76)	(167)	(524)
Balance at End of Period	3,784	2,538	3,784	2,538
Commercial | Commercial loans secured by non-owner occupied real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	3,288	3,373	3,119	3,389
Charge-Offs	0	0	0	(63)
Recoveries	7	13	21	24
Provision (Credit)	324	39	479	75
Balance at End of Period	3,619	3,425	3,619	3,425
Consumer | Real estate-residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	1,141	1,213	1,159	1,235
Charge-Offs	(90)	(10)	(182)	(71)
Recoveries	16	68	22	76
Provision (Credit)	149	(53)	217	(22)
Balance at End of Period	1,216	1,218	1,216	1,218
Consumer | Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	120	125	126	127
Charge-Offs	(29)	(88)	(91)	(170)
Recoveries	11	12	25	30
Provision (Credit)	17	75	59	137
Balance at End of Period	$ 119	$ 124	$ 119	$ 124

Allowance for Loan Losses - L_2

Allowance for Loan Losses - Loan loss by the primary segments (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Loans:
Individually evaluated for impairment	$ 826		$ 824
Collectively evaluated for impairment	919,335		881,882
Total loans	920,161		882,706
Allowance for loan losses:
Specific reserve allocation	86		92
General reserve allocation	9,613		9,187
Total allowance for loan losses	9,699	$ 9,334	9,279	$ 8,102	$ 8,107	$ 8,671
Commercial loans secured by non-owner occupied real estate
Loans:
Total loans	365,250		363,635
Real estate-residential mortgage
Loans:
Total loans	230,509		235,239
Consumer [Member]
Loans:
Total loans	17,010		18,255
Allocation for General Risk [Member]
Loans:
Individually evaluated for impairment	0
Allowance for loan losses:
Specific reserve allocation	0		0
General reserve allocation	961		924
Total allowance for loan losses	961	925	924	797	782	863
Commercial
Loans:
Total loans	672,642		629,212
Commercial | Commercial
Loans:
Individually evaluated for impairment	818		816
Collectively evaluated for impairment	306,574		264,761
Total loans	307,392		265,577
Allowance for loan losses:
Specific reserve allocation	78		84
General reserve allocation	3,706		3,867
Total allowance for loan losses	3,784	3,860	3,951	2,538	2,614	3,057
Commercial | Commercial loans secured by non-owner occupied real estate
Loans:
Individually evaluated for impairment	8		8
Collectively evaluated for impairment	365,242		363,627
Total loans	365,250		363,635
Allowance for loan losses:
Specific reserve allocation	8		8
General reserve allocation	3,611		3,111
Total allowance for loan losses	3,619	3,288	3,119	3,425	3,373	3,389
Consumer
Loans:
Total loans	247,519		253,494
Consumer | Real estate-residential mortgage
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	230,509		235,239
Total loans	230,509		235,239
Allowance for loan losses:
Specific reserve allocation	0		0
General reserve allocation	1,216		1,159
Total allowance for loan losses	1,216	1,141	1,159	1,218	1,213	1,235
Consumer | Consumer [Member]
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	17,010		18,255
Total loans	17,010		18,255
Allowance for loan losses:
Specific reserve allocation	0		0
General reserve allocation	119		126
Total allowance for loan losses	$ 119	$ 120	$ 126	$ 124	$ 125	$ 127

Allowance for Loan Losses - Pre

Allowance for Loan Losses - Present impaired loans by portfolio segment (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	$ 826	$ 824
Related Allowance	8	8
Unpaid Principal Balance	848	846
Impaired Loans with Specific Allowance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	826	824
Related Allowance	86	92
Impaired Loans With No Specific Allowance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	0	0
Commercial | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	818	816
Unpaid Principal Balance	818	816
Commercial | Commercial loans secured by non-owner occupied real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	8	8
Unpaid Principal Balance	30	30
Commercial | Impaired Loans with Specific Allowance | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	818	816
Related Allowance	78	84
Commercial | Impaired Loans with Specific Allowance | Commercial loans secured by non-owner occupied real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	8	8
Related Allowance	8	8
Commercial | Impaired Loans With No Specific Allowance | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	0	0
Commercial | Impaired Loans With No Specific Allowance | Commercial loans secured by non-owner occupied real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	$ 0	$ 0

Allowance for Loan Losses - Inv

Allowance for Loan Losses - Investment in impaired loans and related interest income (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Average loan balance:
Average investment in impaired loans	$ 834	$ 386	$ 830	$ 261
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	10	4	22	4
Commercial | Commercial
Average loan balance:
Average investment in impaired loans	826	375	822	250
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	10	4	22	4
Commercial | Commercial loans secured by non-owner occupied real estate
Average loan balance:
Average investment in impaired loans	8	11	8	11
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	$ 0	$ 0	$ 0	$ 0

Allowance for Loan Losses - Com

Allowance for Loan Losses - Commercial and commercial real estate loan portfolios (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	$ 920,161	$ 882,706
Commercial loans secured by owner occupied real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	86,080	91,655
Commercial loans secured by non-owner occupied real estate
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	365,250	363,635
Commercial
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	672,642	629,212
Commercial | Commercial and Industrial Loan [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	221,312	173,922
Commercial | Commercial loans secured by owner occupied real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	86,080	91,655
Commercial | Commercial loans secured by non-owner occupied real estate
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	365,250	363,635
Commercial | Pass
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	656,311	612,116
Commercial | Pass | Commercial and Industrial Loan [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	209,144	161,147
Commercial | Pass | Commercial loans secured by owner occupied real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	83,485	88,942
Commercial | Pass | Commercial loans secured by non-owner occupied real estate
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	363,682	362,027
Commercial | Special Mention
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	2,031	2,237
Commercial | Special Mention | Commercial and Industrial Loan [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	725	853
Commercial | Special Mention | Commercial loans secured by owner occupied real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	1,306	1,384
Commercial | Special Mention | Commercial loans secured by non-owner occupied real estate
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	0	0
Commercial | Substandard [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	14,292	14,851
Commercial | Substandard [Member] | Commercial and Industrial Loan [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	11,443	11,922
Commercial | Substandard [Member] | Commercial loans secured by owner occupied real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	1,289	1,329
Commercial | Substandard [Member] | Commercial loans secured by non-owner occupied real estate
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	1,560	1,600
Commercial | Doubtful [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	8	8
Commercial | Doubtful [Member] | Commercial and Industrial Loan [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	0	0
Commercial | Doubtful [Member] | Commercial loans secured by owner occupied real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	0	0
Commercial | Doubtful [Member] | Commercial loans secured by non-owner occupied real estate
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	$ 8	$ 8

Allowance for Loan Losses - Res

Allowance for Loan Losses - Residential and consumer portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	$ 920,161	$ 882,706
Consumer
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	247,519	253,494
Real estate-residential mortgage
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	230,509	235,239
Real estate-residential mortgage | Consumer
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	230,509	235,239
Consumer [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	17,010	18,255
Consumer [Member] | Consumer
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	17,010	18,255
Performing [Member] | Consumer
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	245,223	252,015
Performing [Member] | Real estate-residential mortgage | Consumer
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	228,213	233,760
Performing [Member] | Consumer [Member] | Consumer
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	17,010	18,255
Non-Performing [Member] | Consumer
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	2,296	1,479
Non-Performing [Member] | Real estate-residential mortgage | Consumer
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	2,296	1,479
Non-Performing [Member] | Consumer [Member] | Consumer
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	$ 0	$ 0

Allowance for Loan Losses - Cre

Allowance for Loan Losses - Credit quality of the loan portfolio (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	$ 913,410,000	$ 878,307,000
Total Past Due	6,751,000	4,399,000
Total loans	920,161,000	882,706,000
90 Days Past Due and Still Accruing	1,581,000	0
30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	1,849,000	2,490,000
60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	1,806,000	887,000
90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	3,096,000	1,022,000
Commercial and Industrial
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	154,379,000	173,922,000
Commercial loans secured by owner occupied real estate [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	86,080,000	91,655,000
Commercial loans secured by non-owner occupied real estate
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	365,250,000	363,635,000
Real estate-residential mortgage
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	230,509,000	235,239,000
Consumer [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	17,010,000	18,255,000
Commercial
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	672,642,000	629,212,000
Commercial | Commercial and Industrial
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	221,251,000	173,922,000
Total Past Due	61,000	0
Total loans	221,312,000	173,922,000
90 Days Past Due and Still Accruing	0	0
Commercial | Commercial and Industrial | 30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	40,000	0
Commercial | Commercial and Industrial | 60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	21,000	0
Commercial | Commercial and Industrial | 90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	0	0
Commercial | Commercial loans secured by owner occupied real estate [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	85,267,000	91,538,000
Total Past Due	813,000	117,000
Total loans	86,080,000	91,655,000
90 Days Past Due and Still Accruing	0	0
Commercial | Commercial loans secured by owner occupied real estate [Member] | 30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	0	117,000
Commercial | Commercial loans secured by owner occupied real estate [Member] | 60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	813,000	0
Commercial | Commercial loans secured by owner occupied real estate [Member] | 90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	0	0
Commercial | Commercial loans secured by non-owner occupied real estate
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	365,250,000	363,635,000
Total Past Due	0	0
Total loans	365,250,000	363,635,000
90 Days Past Due and Still Accruing	0	0
Commercial | Commercial loans secured by non-owner occupied real estate | 30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	0	0
Commercial | Commercial loans secured by non-owner occupied real estate | 60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	0	0
Commercial | Commercial loans secured by non-owner occupied real estate | 90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	0	0
Consumer
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	247,519,000	253,494,000
Consumer | Real estate-residential mortgage
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	224,654,000	231,022,000
Total Past Due	5,855,000	4,217,000
Total loans	230,509,000	235,239,000
90 Days Past Due and Still Accruing	1,581,000	0
Consumer | Real estate-residential mortgage | 30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	1,792,000	2,331,000
Consumer | Real estate-residential mortgage | 60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	967,000	864,000
Consumer | Real estate-residential mortgage | 90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	3,096,000	1,022,000
Consumer | Consumer [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	16,988,000	18,190,000
Total Past Due	22,000	65,000
Total loans	17,010,000	18,255,000
90 Days Past Due and Still Accruing	0	0
Consumer | Consumer [Member] | 30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	17,000	42,000
Consumer | Consumer [Member] | 60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	5,000	23,000
Consumer | Consumer [Member] | 90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total Past Due	$ 0	$ 0

Allowance for Loan Losses - Add

Allowance for Loan Losses - Additional information (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision expense for loan losses	$ 450,000	$ 0	$ 625,000	$ (400,000)
Net unfavorable shift			$ 1,025,000
Reserve coverage of total loans, excluding PPP loans	1.13%	0.91%	1.13%	0.91%
provision recovery recorded	$ (450,000)	$ 0	$ (625,000)	$ 400,000
Financing Receivable, Individually Evaluated for Impairment	$ 826,000		826,000		$ 824,000
Debt Instrument Non Performing Assets			$ 3,100,000
Percentage Of Allowance For Total Loans	1.04%		1.04%		1.05%
Non-performing assets as a percent of loans	0.34%		0.34%		0.26%
Allowance for Loan and Lease Losses Write-offs, Net			$ 205,000	$ 169,000
Allowance For Loan And Lease Losses Write Off Percentage			0.05%	0.04%
Percentage Of Allowance For Non Performing Assets	311.00%		311.00%		397.00%
Financing Receivable, Recorded Investment, Past Due	$ 6,751,000		$ 6,751,000		$ 4,399,000
Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum individual loan balance requiring quarterly review	2,000,000		2,000,000
Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum individual loan balance requiring quarterly review	250,000		250,000
Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum individual loan balance requiring quarterly review	250,000		250,000
Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum individual loan balance requiring quarterly review	100,000		100,000
Commercial | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
provision recovery recorded	76,000	$ 76,000	167,000	$ 524,000
Financing Receivable, Individually Evaluated for Impairment	818,000		818,000		816,000
Minimum aggregate balances for commercial loan relationship under structure loan rating process	1,000,000		1,000,000
Commercial | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Recorded Investment, Past Due	61,000		$ 61,000		$ 0
Commercial | Minimum | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum percent of portfolio to be reviewed			40.00%
Consumer | Minimum | Consumer and Residential Mortgage Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Individually Evaluated for Impairment	$ 150,000		$ 150,000

Non-Performing Assets Includi_3

Non-Performing Assets Including Troubled Debt Restructurings (TDR) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Non-Performing assets including TDR
Non-accrual loans	$ 2,325	$ 1,487
Other real estate owned	0	37
TDR's not in non-accrual	797	815
Total non-performing assets including TDR	$ 3,122	$ 2,339
Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned	0.34%	0.26%
Commercial | Commercial and Industrial
Non-Performing assets including TDR
Non-accrual loans	$ 21	$ 0
TDR's not in non-accrual	797	815
Commercial | Commercial loans secured by non-owner occupied real estate
Non-Performing assets including TDR
Non-accrual loans	8	8
Consumer | Real estate-residential mortgage
Non-Performing assets including TDR
Non-accrual loans	2,296	1,479
Other real estate owned	$ 0	$ 37

Non-Performing Assets Includi_4

Non-Performing Assets Including Troubled Debt Restructurings (TDR) - Interest income due in accordance (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Schedule of Interest Income
Interest income due in accordance with original terms	$ 21	$ 14	$ 38	$ 29
Interest income recorded	0	0	0	0
Net reduction in interest income	$ 21	$ 14	$ 38	$ 29

Non-Performing Assets Includi_5

Non-Performing Assets Including Troubled Debt Restructurings (TDR) - Loans in accrual and non-accrual status (Details) - Loans in accrual status [Member] - Commercial and Industrial $ in Thousands	6 Months Ended
	Jun. 30, 2020USD ($)loan	Jun. 30, 2019USD ($)loan
Schedule of TDRs
Number of loans | loan	1	1
Current Balance | $	$ 750	$ 750
Concession Granted	Subsequent modification of a TDR - extension of maturity date with a below market interest rate	Extension of maturity date with a below market interest rate

Non-Performing Assets Includi_6

Non-Performing Assets Including Troubled Debt Restructurings (TDR) - concentration of COVID-19 related modifications within the loan portfolio (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2020USD ($)
Financing Receivable, Modifications [Line Items]
Loans For Which Payment Relief Has Been Requested	$ 200,005
% of Outstanding Non-PPP Loans	23.20%
CRE | Commercial
Financing Receivable, Modifications [Line Items]
Loans For Which Payment Relief Has Been Requested	$ 190,276
% of Outstanding Non-PPP Loans	30.40%
Home Equity | Consumer
Financing Receivable, Modifications [Line Items]
Loans For Which Payment Relief Has Been Requested	$ 5,890
% of Outstanding Non-PPP Loans	6.00%
Real estate-residential mortgage
Financing Receivable, Modifications [Line Items]
Loans For Which Payment Relief Has Been Requested	$ 3,839
% of Outstanding Non-PPP Loans	2.80%

Non-Performing Assets Includi_7

Non-Performing Assets Including Troubled Debt Restructurings (TDR) - types of payment relief that have been granted (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2020USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of loans | loan	383
Payment relief that have been granted | $	$ 200,005
Interest only payments
Financing Receivable, Modifications [Line Items]
Number of loans | loan	83
Payment relief that have been granted | $	$ 87,881
Complete payment deferrals
Financing Receivable, Modifications [Line Items]
Number of loans | loan	296
Payment relief that have been granted | $	$ 103,378
Maturity date extensions
Financing Receivable, Modifications [Line Items]
Number of loans | loan	4
Payment relief that have been granted | $	$ 8,746

Non-Performing Assets Includi_8

Non-Performing Assets Including Troubled Debt Restructurings (TDR) - Additional information (Details) - USD ($)	6 Months Ended
	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Non-Performing Assets Including Troubled Debt Restructurings (TDR)
ALL reserve for TDR's	$ 84,000		$ 92,000
Decrease in loan modifications to COVID-19	$ (11,200,000)
Percentage of decrease in balance of loan modifications	5.30%
Balance of loans modified		$ 211,000,000
Loans 90 Days Past Due accuring interest	$ 1,581,000		$ 0

Federal Home Loan Bank Borrow_3

Federal Home Loan Bank Borrowings (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Federal Home Loan Bank (FHLB) borrowings and advances
Open Repo Plus	$ 7,558	$ 22,412
Advances 2020, Amount	10,187	18,729
Advances 2021, Amount	11,496	9,496
Advances 2022, Amount	20,888	17,838
Advances 2023, Amount	15,568	5,568
Advances 2024, Amount	4,197	2,037
Total advances	62,336	53,668
Total FHLB borrowings, Amount	$ 69,894	$ 76,080
Open Repo Plus Maturity Overnight, Weighted Average Rate	0.39%	1.81%
Advances Maturing 2020, Weighted Average Rate	1.45%	1.75%
Advances Maturing 2021, Weighted Average Rate	1.92%	2.28%
Advances Maturing 2022, Weighted Average Rate	2.03%	2.21%
Advances Maturing 2023, Weighted Average Rate	1.59%	2.48%
Advances Maturing 2024, Weighted Average Rate	1.19%	1.86%
Total advances, Weighted Average Rate	1.75%	2.08%
Total FHLB borrowings, Weighted Average Rate	1.60%	2.00%

Lease Commitments (Details)

Lease Commitments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Lease Commitments
Amortization of right-of-use asset	$ 68	$ 65	$ 135	$ 129
Interest expense	28	29	57	59
Operating lease cost	29	29	58	58
Total lease cost	$ 125	$ 123	$ 250	$ 246

Lease Commitments - Leases outs

Lease Commitments - Leases outstanding - (Details)	Jun. 30, 2020	Dec. 31, 2019
Lease Commitments
Operating Lease, Weighted-average remaining term	11 years 7 months 6 days	11 years 10 months 24 days
Financing Lease, Weighted-average remaining term	16 years 7 months 6 days	17 years 1 month 6 days
Operating Lease, Weighted-average discount rate	3.47%	3.46%
Financing Lease, Weighted-average discount rate	3.58%	3.60%

Lease Commitments - Operating a

Lease Commitments - Operating and financing leases - (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Lease Commitments
Operating lease, Within 1 year	$ 119	$ 118
Operating lease, After 1 year but within 2 years	117	120
Operating lease, After 2 years but within 3 years	75	98
Operating lease, After 3 years but within 4 years	69	69
Operating lease, After 4 years but within 5 years	69	69
Operating lease, After 5 years	556	589
Total undiscounted cash flows	1,005	1,063
Discount on cash flows	(184)	(198)
Total lease liabilities	821	865
Financing lease, Within 1 year	295	296
Financing lease, After 1 year but within 2 years	289	275
Financing lease, After 2 years but within 3 years	291	277
Financing lease, After 3 years but within 4 years	264	274
Financing lease, After 4 years but within 5 years	252	236
Financing lease, After 5 years	2,882	3,007
Total undiscounted cash flows	4,273	4,365
Discount on cash flows	(1,147)	(1,202)
Total lease liabilities	$ 3,126	$ 3,163

Lease Commitments - Additional

Lease Commitments - Additional information (Details)	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Short Term Equipment Under Lease [Member]
Property, Plant and Equipment [Line Items]
Description Of Accounting Treatment For Short Term Operating Lease	As of June 30, 2020, the Company had no short-term leases. As of December 31, 2019, the Company had one short-term equipment lease which it elected to not record on the Consolidated Balance Sheets.	As of June 30, 2020, the Company had no short-term leases. As of December 31, 2019, the Company had one short-term equipment lease which it elected to not record on the Consolidated Balance Sheets.

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	$ (14,830)	$ (14,282)	$ (16,171)	$ (14,225)
Other comprehensive income (loss) before reclassifications	247	1,467	1,076	1,121
Amounts reclassified from accumulated other comprehensive loss	512	265	1,024	554
Net current period other comprehensive income (loss)	759	1,732	2,100	1,675
Ending balance	(14,071)	(12,550)	(14,071)	(12,550)
Net Unrealized Gains and (Losses) on Investment Securities AFS
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	2,639	(16)	1,715	(1,409)
Other comprehensive income (loss) before reclassifications	759	1,438	1,683	2,831
Amounts reclassified from accumulated other comprehensive loss	0	(24)	0	(24)
Net current period other comprehensive income (loss)	759	1,414	1,683	2,807
Ending balance	3,398	1,398	3,398	1,398
Defined Benefit Pension Items
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(17,469)	(14,266)	(17,886)	(12,816)
Other comprehensive income (loss) before reclassifications	(512)	29	(607)	(1,710)
Amounts reclassified from accumulated other comprehensive loss	512	289	1,024	578
Net current period other comprehensive income (loss)	0	318	417	(1,132)
Ending balance	$ (17,469)	$ (13,948)	$ (17,469)	$ (13,948)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss - Reclassification of component (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Realized (gains) losses on sale of securities
Net realized (gains) losses on investment securities	$ 0	$ (30)	$ 0	$ (30)
Provision for income taxes	0	6	0	6
Net of tax	0	(24)	0	(24)
Amortization of estimated defined benefit pension plan loss
Other expense	648	366	1,296	732
Provision for income taxes	(136)	(77)	(272)	(154)
Net of tax	512	289	1,024	578
Total reclassifications for the period	$ 512	$ 265	$ 1,024	$ 554

Regulatory Capital (Details)

Regulatory Capital (Details) - USD ($) $ in Thousands		Jun. 30, 2020	Dec. 31, 2019
Summarized regulatory capital ratio of company
Total Capital (To RWA), Actual Amount		$ 122,010	$ 119,477
Tier 1 Common Equity (To RWA), Actual Amount		111,453	109,173
Tier 1 Capital (To RWA), Actual Amount		111,453	109,173
Tier 1 Capital (To Average Assets), Actual Amount		$ 111,453	$ 109,173
Total Capital (To RWA), Actual Ratio		12.01	12.23
Tier 1 Common Equity (To RWA), Actual Ratio		10.97	11.17
Tier 1 Capital (To RWA), Actual Ratio		10.97	11.17
Tier 1 Capital (To Average Assets), Actual Ratio		9.22	9.50
Total Capital (To RWA), Minimum Required For Capital Adequacy Purpose		8	8
Tier 1 Common Equity (To RWA), Minimum Required For Capital Adequacy Purpose		4.50%	4.50%
Tier 1 Capital (To RWA), Minimum Required For Capital Adequacy Purpose		6	6
Tier 1 Capital (To Average Assets), Minimum Required For Capital Adequacy Purpose		4	4
Total Capital (To RWA), To Be Will Capitalized Under Prompt Corrective Action Regulations	[1]	10	10
Tier 1 Common Equity (To RWA), To Be Will Capitalized Under Prompt Corrective Action Regulations	[1]	6.50%	6.50%
Tier 1 Capital (To RWA), To Be Well Capitalized Under Prompt Corrective Action Regulations	[1]	8	8
Tier 1 Capital (To Average Assets), To Be Will Capitalized Under Prompt Corrective Action Regulations	[1]	5	5
Parent Company [Member]
Summarized regulatory capital ratio of company
Total Capital (To RWA), Actual Amount		$ 134,705	$ 132,544
Tier 1 Common Equity (To RWA), Actual Amount		104,731	102,841
Tier 1 Capital (To RWA), Actual Amount		116,626	114,729
Tier 1 Capital (To Average Assets), Actual Amount		$ 116,626	$ 114,729
Total Capital (To RWA), Actual Ratio		13.19	13.49
Tier 1 Common Equity (To RWA), Actual Ratio		10.26	10.47
Tier 1 Capital (To RWA), Actual Ratio		11.42	11.68
Tier 1 Capital (To Average Assets), Actual Ratio		9.54	9.87
[1]	Applies to the Bank only.

Regulatory Capital - Additional

Regulatory Capital - Additional Information (Details)	Jun. 30, 2020
Regulatory Capital
Tangible Capital to Tangible Assets	7.37

Derivative Hedging Instrument_2

Derivative Hedging Instruments (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Derivative, Notional Amount	$ 0	$ 0
Derivative Instruments Weighted Average Interest Rate Received Paid	0.00%	0.00%
Increase (Decrease) in Interest Expense	$ 0	$ 0
Derivative Financial Instruments, Liabilities [Member] | Swap [Member]
Derivative, Swap Type	FAIR VALUE	FAIR VALUE
Derivative Liability, Notional Amount	$ (32,866)	$ (22,628)
Derivative Instruments Weighted Average Interest Rate Received Paid	(3.37%)	(4.78%)
Derivative Instruments, Repricing Frequency	MONTHLY	MONTHLY
Increase (Decrease) in Interest Expense	$ 179	$ (16)
Derivative Financial Instruments, Assets [Member] | Swap [Member]
Derivative, Swap Type	FAIR VALUE	FAIR VALUE
Derivative Asset, Notional Amount	$ 32,866	$ 22,628
Derivative Instruments Weighted Average Interest Rate Received Paid	3.37%	4.78%
Derivative Instruments, Repricing Frequency	MONTHLY	MONTHLY
Increase (Decrease) in Interest Expense	$ (179)	$ 16

Derivative Hedging Instrument_3

Derivative Hedging Instruments - Additional Information (Details) $ in Millions	Jun. 30, 2020USD ($)
Derivative Hedging Instruments
Derivative Notional Amount Outstanding	$ 500

Segment Results (Details)

Segment Results (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Contribution of segments to the consolidated results of operations
Total revenue	$ 13,240	$ 12,718	$ 25,823	$ 24,980
Net income (loss)	1,419	1,792	2,828	3,670
Community banking
Contribution of segments to the consolidated results of operations
Total revenue	12,385	11,535	23,833	22,628
Net income (loss)	2,755	2,882	5,279	5,830
Wealth management
Contribution of segments to the consolidated results of operations
Total revenue	2,484	2,440	5,052	4,857
Net income (loss)	476	444	963	888
Investment/Parent
Contribution of segments to the consolidated results of operations
Total revenue	(1,629)	(1,257)	(3,062)	(2,505)
Net income (loss)	$ (1,812)	$ (1,534)	$ (3,414)	$ (3,048)

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) - USD ($) $ in Millions	Jun. 30, 2020	Dec. 31, 2019
Commitments to extend credit
Loss Contingencies [Line Items]
Amount of commitment	$ 237.7	$ 195.5
Standby letters of Credit
Loss Contingencies [Line Items]
Amount of commitment	$ 13.7	$ 14.7

Pension Benefits - Component of

Pension Benefits - Component of net periodic benefit cost (Details) - Defined Benefit Pension Items - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Components of net periodic benefit cost
Service cost	$ 441	$ 374	$ 882	$ 748
Interest cost	319	402	638	804
Expected return on plan assets	(817)	(762)	(1,634)	(1,524)
Recognized net actuarial loss	648	366	1,296	732
Net periodic pension cost	$ 591	$ 380	$ 1,182	$ 760

Pension Benefits - Additional i

Pension Benefits - Additional information (Details)	Jun. 30, 2020
Pension Benefits
Minimum number of annual hours	1,000
Maximum percent of plan assets comprised of AmeriServ Financial, Inc. common stock	10.00%

Disclosures about Fair Value _3

Disclosures about Fair Value Measurements and Financial Instruments - Schedule of assets and liability measured and recorded on the Consolidated Balance Sheets (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Equity securities	$ 391	$ 366
Available for sale, at fair value	143,359	141,749
Fair value swap asset	3,785	959
Fair value swap liability	(3,785)	(959)
U.S. Agency
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Available for sale, at fair value	3,357	5,116
U.S. Agency mortgage-backed securities
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Available for sale, at fair value	76,038	81,633
Municipal
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Available for sale, at fair value	16,308	15,170
Corporate bonds
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Available for sale, at fair value	47,656	39,830
Level 1
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Equity securities	391	366
Level 2
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Fair value swap asset	3,785	959
Fair value swap liability	(3,785)	(959)
Level 2 | U.S. Agency
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Available for sale, at fair value	3,357	5,116
Level 2 | U.S. Agency mortgage-backed securities
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Available for sale, at fair value	76,038	81,633
Level 2 | Municipal
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Available for sale, at fair value	16,308	15,170
Level 2 | Corporate bonds
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Available for sale, at fair value	$ 47,656	$ 39,830

Disclosures about Fair Value _4

Disclosures about Fair Value Measurements and Financial Instruments - Schedule of assets measured and recorded at fair value on a non-recurring basis (Details) - USD ($)		6 Months Ended	12 Months Ended
		Jun. 30, 2020	Dec. 31, 2019
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Impaired loan with carrying value		$ 266,000	$ 263,000
Specific valuation allowance		8,000	8,000
Impaired loans		258,000	255,000
Fair Value Measurements, Nonrecurring Basis
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Impaired loans		258,000	255,000
Other real estate owned			37,000
Fair Value Measurements, Nonrecurring Basis | Impaired loans
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Impaired loans		$ 258,000	255,000
Fair Value Measurements, Nonrecurring Basis | Other real estate owned
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Other real estate owned			$ 37,000
Fair Value Measurements, Nonrecurring Basis | Minimum | Impaired loans
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Appraisal adjustments	[1]	0.00%	0.00%
Fair Value Measurements, Nonrecurring Basis | Minimum | Other real estate owned
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Appraisal adjustments	[1]		0.00%
Liquidation expenses			21.00%
Fair Value Measurements, Nonrecurring Basis | Maximum | Impaired loans
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Appraisal adjustments	[1]	100.00%	100.00%
Fair Value Measurements, Nonrecurring Basis | Maximum | Other real estate owned
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Appraisal adjustments	[1]		57.00%
Liquidation expenses			134.00%
Fair Value Measurements, Nonrecurring Basis | Wgtd Ave | Impaired loans
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Appraisal adjustments		3.00%	3.00%
Fair Value Measurements, Nonrecurring Basis | Wgtd Ave | Other real estate owned
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Appraisal adjustments			38.00%
Liquidation expenses			30.00%
Fair Value Measurements, Nonrecurring Basis | Level 1
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Impaired loans		$ 0	$ 0
Other real estate owned			0
Fair Value Measurements, Nonrecurring Basis | Level 2
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Impaired loans		0	0
Other real estate owned			0
Fair Value Measurements, Nonrecurring Basis | Level 3
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Impaired loans		$ 258,000	255,000
Other real estate owned			$ 37,000
Fair Value Measurements, Nonrecurring Basis | Level 3 | Impaired loans
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Valuation Techniques		Appraisal of collateral	Appraisal of collateral
Fair Value Measurements, Nonrecurring Basis | Level 3 | Other real estate owned
DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS
Valuation Techniques			Appraisal of collateral
[1]	Appraisals may be adjusted by management for qualitative factors such as economic conditions.

Disclosures about Fair Value _5

Disclosures about Fair Value Measurements and Financial Instruments - Schedule of estimated fair value and recorded carrying value (Details) - USD ($) $ in Thousands		6 Months Ended
		Jun. 30, 2020	Dec. 31, 2019
FINANCIAL ASSETS: Carrying Value
Investment securities - HTM, Carrying Value		$ 41,549	$ 39,936
Loans held for sale		8,189	4,868
Loans, net of allowance for loan loss and unearned income, Carrying Value		910,462	873,427
Investment securities - HTM, Fair Value		43,989	41,082
Loans held for sale, Fair Value		8,359	4,970
Loans, net of allowance for loan loss and unearned income, Fair Value		919,636	873,908
FINANCIAL LIABILITIES: Carrying Value
Deposits with no stated maturities, Carrying Value		717,252	651,469
Deposits with stated maturities, Carrying Value		315,781	309,044
All other borrowings, Carrying Value	[1]	82,820	74,134
Deposits with no stated maturities, Fair Value		729,128	631,023
Deposits with stated maturities, Fair Value		319,744	310,734
All other borrowings, Fair Value	[1]	$ 89,225	76,323
Assets and liabilities considered financial instruments, percentage		90.00%
Level 1
FINANCIAL ASSETS: Carrying Value
Loans held for sale, Fair Value		$ 8,359	4,970
Level 2
FINANCIAL ASSETS: Carrying Value
Investment securities - HTM, Fair Value		40,995	38,129
Level 3
FINANCIAL ASSETS: Carrying Value
Investment securities - HTM, Fair Value		2,994	2,953
Loans, net of allowance for loan loss and unearned income, Fair Value		919,636	873,908
FINANCIAL LIABILITIES: Carrying Value
Deposits with no stated maturities, Fair Value		729,128	631,023
Deposits with stated maturities, Fair Value		319,744	310,734
All other borrowings, Fair Value	[1]	$ 89,225	$ 76,323
[1]	All other borrowings include advances from Federal Home Loan Bank, guaranteed junior subordinated deferrable interest debentures, and subordinated debt.