AmeriServ Financial (ASRV) 10-Q10 Nov 222022 Q3 Quarterly reportFinancial data

Company Profile

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
Document And Entity Information - shares	Sep. 30, 2022	Nov. 01, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2022
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	0-11204
Entity Registrant Name	AMERISERV FINANCIAL INC /PA/
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	25-1424278
Entity Address, Address Line One	Main & Franklin Streets
Entity Address, Address Line Two	P.O. Box 430
Entity Address, City or Town	Johnstown
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	15907-0430
City Area Code	(814)
Local Phone Number	533-5300
Title of 12(b) Security	Common Stock
Trading Symbol	ASRV
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		17,114,617
Entity Central Index Key	0000707605
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($)	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from depository institutions	$ 24,383,000	$ 24,748,000
Interest bearing deposits	4,133,000	10,942,000
Short-term investments		5,411,000
Cash and cash equivalents	28,516,000	41,101,000
Investment securities:
Available for sale, at fair value	174,300,000	163,171,000
Held to maturity (fair value $55,788 on September 30, 2022 and $55,516 on December 31, 2021)	62,567,000	53,751,000
Loans held for sale		983,000
Loans	979,843,000	985,880,000
Less: Unearned income	393,000	826,000
Less: Allowance for loan losses	10,672,000	12,398,000
Net loans	968,778,000	972,656,000
Premises and equipment:
Operating lease right-of-use asset	645,000	667,000
Financing lease right-of-use asset	2,480,000	2,684,000
Other premises and equipment, net	14,450,000	14,082,000
Accrued interest income receivable	4,620,000	3,984,000
Goodwill	13,611,000	13,611,000
Core deposit intangible	135,000	158,000
Bank owned life insurance	39,016,000	38,842,000
Net deferred tax asset	4,339,000
Federal Home Loan Bank stock	3,907,000	2,692,000
Federal Reserve Bank stock	2,125,000	2,125,000
Other assets	30,559,000	25,053,000
TOTAL ASSETS	1,350,048,000	1,335,560,000
LIABILITIES
Non-interest bearing deposits	214,547,000	211,106,000
Interest bearing deposits	938,266,000	928,272,000
Total deposits	1,152,813,000	1,139,378,000
Short-term borrowings	26,274,000	0
Advances from Federal Home Loan Bank	28,522,000	42,653,000
Operating lease liabilities	658,000	682,000
Financing lease liabilities	2,736,000	2,899,000
Subordinated debt	26,634,000	26,603,000
Total borrowed funds	84,824,000	72,837,000
Net deferred tax liability		934,000
Other liabilities	10,824,000	5,862,000
TOTAL LIABILITIES	1,248,461,000	1,219,011,000
SHAREHOLDERS' EQUITY
Common stock, par value $0.01 per share; 30,000,000 shares authorized; 26,741,436 shares issued and 17,112,617 shares outstanding on September 30, 2022; 26,710,319 shares issued and 17,081,500 shares outstanding on December 31, 2021	267,000	267,000
Treasury stock at cost, 9,628,819 shares on September 30, 2022 and December 31, 2021	(83,280,000)	(83,280,000)
Capital surplus	146,198,000	146,069,000
Retained earnings	65,052,000	60,005,000
Accumulated other comprehensive loss, net	(26,650,000)	(6,512,000)
TOTAL SHAREHOLDERS' EQUITY	101,587,000	116,549,000
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,350,048,000	$ 1,335,560,000

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
CONSOLIDATED BALANCE SHEETS
Held to maturity securities, fair value	$ 55,788	$ 55,516
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	30,000,000	30,000,000
Common stock, shares issued	26,741,436	26,710,319
Common stock, shares outstanding	17,112,617	17,081,500
Treasury stock, shares	9,628,819	9,628,819

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
INTEREST INCOME
Interest and fees on loans	$ 10,691,000	$ 9,830,000	$ 29,912,000	$ 30,440,000
Interest bearing deposits	9,000	2,000	11,000	6,000
Short-term investments	63,000	26,000	143,000	41,000
Investment securities:
Available for sale	1,490,000	1,133,000	3,917,000	3,392,000
Held to maturity	447,000	381,000	1,272,000	1,100,000
Total Interest Income	12,700,000	11,372,000	35,255,000	34,979,000
INTEREST EXPENSE
Deposits	1,720,000	1,189,000	3,472,000	3,897,000
Short-term borrowings	36,000		39,000	1,000
Advances from Federal Home Loan Bank	127,000	217,000	459,000	681,000
Financing lease liabilities	25,000	26,000	76,000	80,000
Guaranteed junior subordinated deferrable interest debentures		383,000		944,000
Subordinated debt	263,000	331,000	789,000	591,000
Total Interest Expense	2,171,000	2,146,000	4,835,000	6,194,000
Net Interest Income	10,529,000	9,226,000	30,420,000	28,785,000
Provision (credit) for loan losses	500,000	350,000	(225,000)	850,000
Net Interest Income after Provision (Credit) for Loan Losses	10,029,000	8,876,000	30,645,000	27,935,000
NON-INTEREST INCOME
Non-interest income	3,640,000	3,945,000	11,299,000	11,226,000
Net gains on loans held for sale	53,000	15,000	183,000	632,000
Mortgage related fees	27,000	81,000	92,000	310,000
Net realized gains on investment securities				84,000
Bank owned life insurance	329,000	221,000	769,000	771,000
Other income	815,000	702,000	1,977,000	1,916,000
Total Non-Interest Income	4,326,000	4,416,000	12,799,000	13,429,000
NON-INTEREST EXPENSE
Salaries and employee benefits	7,071,000	6,910,000	21,439,000	20,718,000
Net occupancy expense	698,000	651,000	2,136,000	1,980,000
Equipment expense	393,000	390,000	1,205,000	1,183,000
Professional fees	1,656,000	1,379,000	4,490,000	4,089,000
Supplies, postage and freight	172,000	158,000	481,000	486,000
Miscellaneous taxes and insurance	350,000	318,000	1,022,000	922,000
Federal deposit insurance expense	125,000	170,000	400,000	480,000
Branch acquisition costs		87,000		390,000
Other expense	1,262,000	1,457,000	4,143,000	4,615,000
Total Non-Interest Expense	11,727,000	11,520,000	35,316,000	34,863,000
PRETAX INCOME	2,628,000	1,772,000	8,128,000	6,501,000
Provision for income taxes	526,000	341,000	1,627,000	1,281,000
NET INCOME	$ 2,102,000	$ 1,431,000	$ 6,501,000	$ 5,220,000
Basic:
Net income	$ 0.12	$ 0.08	$ 0.38	$ 0.31
Average number of shares outstanding	17,111	17,075	17,105	17,071
Diluted:
Net income	$ 0.12	$ 0.08	$ 0.38	$ 0.31
Average number of shares outstanding	17,145	17,114	17,146	17,114
Wealth management fees.
NON-INTEREST INCOME
Non-interest income	$ 2,813,000	$ 3,137,000	$ 8,954,000	$ 9,031,000
Service charges on deposit accounts
NON-INTEREST INCOME
Non-interest income	$ 289,000	$ 260,000	$ 824,000	$ 685,000

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
COMPREHENSIVE (LOSS) INCOME
Net income	$ 2,102	$ 1,431	$ 6,501	$ 5,220
Other comprehensive (loss) income
Pension obligation change for defined benefit plan	(59)	2,422	(4,577)	8,190
Income tax effect	12	(509)	961	(1,720)
Unrealized holding losses on available for sale securities arising during period	(8,064)	(589)	(20,915)	(1,362)
Income tax effect	1,694	123	4,393	286
Reclassification adjustment for net realized gains on available for sale securities included in net income				(84)
Income tax effect				18
Other comprehensive (loss) income	(6,417)	1,447	(20,138)	5,328
Comprehensive (loss) income	$ (4,315)	$ 2,878	$ (13,637)	$ 10,548

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' 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, 2020	$ 267	$ (83,280)	$ 145,969	$ 54,641	$ (13,198)
New common shares issued for exercise of stock options			39
Stock option expense			30
Net income				5,220		$ 5,220
Cash dividend declared on common stock				(1,280)
Other comprehensive (loss) income					5,328	5,328
Balance at end of period at Sep. 30, 2021	267	(83,280)	146,038	58,581	(7,870)	113,736
Balance at beginning of period at Jun. 30, 2021	267	(83,280)	146,025	57,577	(9,317)
Stock option expense			13
Net income				1,431		1,431
Cash dividend declared on common stock				(427)
Other comprehensive (loss) income					1,447	1,447
Balance at end of period at Sep. 30, 2021	267	(83,280)	146,038	58,581	(7,870)	113,736
Balance at beginning of period at Dec. 31, 2021	267	(83,280)	146,069	60,005	(6,512)	116,549
New common shares issued for exercise of stock options			91
Stock option expense			38
Net income				6,501		6,501
Cash dividend declared on common stock				(1,454)
Other comprehensive (loss) income					(20,138)	(20,138)
Balance at end of period at Sep. 30, 2022	267	(83,280)	146,198	65,052	(26,650)	101,587
Balance at beginning of period at Jun. 30, 2022	267	(83,280)	146,175	63,463	(20,233)
New common shares issued for exercise of stock options			11
Stock option expense			12
Net income				2,102		2,102
Cash dividend declared on common stock				(513)
Other comprehensive (loss) income					(6,417)	(6,417)
Balance at end of period at Sep. 30, 2022	$ 267	$ (83,280)	$ 146,198	$ 65,052	$ (26,650)	$ 101,587

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
COMMON STOCK
New common shares issued for exercise of stock options, shares	3,520		31,117	14,856
CAPITAL SURPLUS
New common shares issued for exercise of stock options, shares	3,520		31,117	14,856
RETAINED EARNINGS
Cash dividend declared per common share	$ 0.030	$ 0.025	$ 0.085	$ 0.075

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	9 Months Ended
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	Sep. 30, 2022	Sep. 30, 2021
OPERATING ACTIVITIES
Net income	$ 6,501,000	$ 5,220,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision (credit) for loan losses	(225,000)	850,000
Depreciation and amortization expense	1,531,000	1,508,000
Amortization expense of core deposit intangible	23,000	11,000
Amortization of fair value adjustment on acquired time deposits	(83,000)	(58,000)
Net amortization of investment securities	98,000	189,000
Net realized gains on investment securities - available for sale		(84,000)
Net gains on loans held for sale	(183,000)	(632,000)
Net amortization of deferred loan fees	(486,000)	(967,000)
Origination of mortgage loans held for sale	(8,239,000)	(10,467,000)
Sales of mortgage loans held for sale	9,405,000	17,349,000
(Increase) decrease in accrued interest receivable	(636,000)	148,000
Decrease in accrued interest payable	(571,000)	(731,000)
Earnings on bank-owned life insurance	(769,000)	(771,000)
Deferred income taxes	601,000	1,023,000
Stock compensation expense	38,000	30,000
Net change in operating leases	(69,000)	(71,000)
Other, net	(5,082,000)	(4,968,000)
Net cash provided by operating activities	1,854,000	7,579,000
INVESTING ACTIVITIES
Purchase of investment securities - available for sale	(49,372,000)	(48,951,000)
Purchase of investment securities - held to maturity	(11,104,000)	(15,272,000)
Proceeds from maturities of investment securities - available for sale	15,755,000	30,314,000
Proceeds from maturities of investment securities - held to maturity	2,244,000	5,490,000
Proceeds from sales of investment securities - available for sale	1,519,000	960,000
Purchase of regulatory stock	(4,405,000)	(1,245,000)
Proceeds from redemption of regulatory stock	3,190,000	2,842,000
Long-term loans originated	(163,679,000)	(232,781,000)
Principal collected on long-term loans	168,215,000	209,771,000
Purchases of premises and equipment	(1,621,000)	(834,000)
Proceeds from sale of other real estate owned and repossessed assets	14,000
Cash acquired in branch acquisition, net		40,431,000
Proceeds from life insurance policies	670,000	645,000
Net cash used in investing activities	(38,574,000)	(8,630,000)
FINANCING ACTIVITIES
Net increase in deposit balances	13,518,000	47,097,000
Net increase (decrease) in other short-term borrowings	26,274,000	(24,702,000)
Principal repayments on advances from Federal Home Loan Bank	(14,131,000)	(21,336,000)
Principal payments on financing lease liabilities	(163,000)	(156,000)
Redemption of guaranteed junior subordinated deferrable interest debentures		(13,085,000)
Subordinated debt issuance, net		26,597,000
Redemption of subordinated debt		(7,650,000)
Stock options exercised	91,000	39,000
Common stock dividend paid	(1,454,000)	(1,280,000)
Net cash provided by financing activities	24,135,000	5,524,000
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(12,585,000)	4,473,000
CASH AND CASH EQUIVALENTS AT JANUARY 1	41,101,000	31,504,000
CASH AND CASH EQUIVALENTS AT SEPTEMBER 30	$ 28,516,000	$ 35,977,000

Principles of Consolidation

Principles of Consolidation	9 Months Ended
Principles of Consolidation	Sep. 30, 2022
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) and AmeriServ Trust and Financial Services Company (the Trust Company). The Bank is a Pennsylvania state-chartered full service bank with 16 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 $2.3 billion and $2.7 billion that are not reported on the Company’s Consolidated Balance Sheets at September 30, 2022 and December 31, 2021, respectively. 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, intangible assets, income taxes, investment securities, pension, and the fair value of financial instruments.

Basis of Preparation

Basis of Preparation	9 Months Ended
Basis of Preparation	Sep. 30, 2022
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, 2021.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	9 Months Ended
Recent Accounting Pronouncements	Sep. 30, 2022
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 The Company, as a smaller reporting company, continues to evaluate the impact that ASU 2016-13 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 ASU 2016-13. Our implementation plan includes assessment and documentation of processes, internal controls and data sources; model development, documentation and validation, including loan segmentation procedures and analyzing the methodology options; and system configuration, among other things. The Company intends to adopt ASU 2016-13 effective January 1, 2023. The allowance for credit losses (ACL) will be based on our historical loss experience, borrower characteristics, reasonable and supportable forecasts of future economic conditions, and other relevant factors. We will also apply qualitative factors to account for information that may not be reflected in quantitatively derived results to ensure that the ACL reflects the best estimate of current expected credit losses. Our team, under the direction of senior management, has completed the initial data gap assessment, enhancement of existing data, finalizing the loan segmentation selections, and analyzing the methodology options regarding the calculation of expected credit losses. After analyzing our data and the nature of our portfolio in relation to the CECL transition, the team agreed to utilize the static pool analysis (cohort) method. This methodology most closely aligns with the Company’s current methodology leveraged in our incurred loss model calculation. The Company’s current methodology will be adjusted to appropriately incorporate and comply with ASU 2016-13 and, thus, offers an effective and efficient path to CECL compliance. The static pool analysis methodology captures loans that qualify for a segment (i.e. balance of a pool of loans with similar risk characteristics) as of a point in time to form a cohort, then tracks that cohort over their remaining lives to determine their loss behavior. The remaining lifetime loss rate is then applied to current loans that qualify for the same segmentation criteria to form a remaining life expectation on current loans. Based on a preliminary parallel calculation as of September 30, 2022, the Company believes that the adoption of ASU 2016-13 will not have a significant impact on our financial statements. The allowance of credit losses under the CECL methodology is estimated to be between $11.0 million and $13.0 million. However, such estimates are subject to significant change as we continue to finalize the judgmental qualitative factors. The Company will continue to make refinements to its expected credit loss estimates throughout the remainder of 2022. Furthermore, ASU 2016-13 will necessitate that we establish an allowance for expected credit losses for held to maturity (HTM) debt securities. Based on the credit quality of the Company’s HTM debt securities portfolio, we do not expect the ACL to be significant. The ultimate impact of adoption on January 1, 2023 could be significantly different than our current expectation as our modeling processes will be significantly influenced by the composition, characteristics and quality of our loan and HTM securities portfolios as well as the prevailing economic conditions and forecasts at that time. In March 2022, the FASB issued ASU 2022-02, Financial Instruments – Credit Losses (ASC 326): Troubled Debt Restructurings (TDRs) and Vintage Disclosures . The guidance amends ASC 326 to eliminate the accounting guidance for TDRs by creditors, while enhancing disclosure requirements for certain loan refinancing and restructuring activities by creditors when a borrower is experiencing financial difficulty. Specifically, rather than applying TDR recognition and measurement guidance, creditors will determine whether a modification results in a new loan or continuation of an existing loan. These amendments are intended to enhance existing disclosure requirements and introduce new requirements related to certain modifications of receivables made to borrowers experiencing financial difficulty. Additionally, the amendments of ASC 326 require that an entity disclose current-period gross writeoffs by year of origination within the vintage disclosures, which requires that an entity disclose the amortized cost basis of financing receivables by credit quality indicator and class of financing receivable by year of origination. The guidance is only for entities that have adopted the amendments of ASU 2016-13 for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2022. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations which will be adopted with ASU 2016-13 effective January 1, 2023.

Revenue Recognition

Revenue Recognition	9 Months Ended
Revenue Recognition	Sep. 30, 2022
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 non-interest 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 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 $850,000 has been established as of September 30, 2022 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, ATM and VISA debit card fees, 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 Company offers ATM and VISA debit cards to deposit account holders which allows our customers to access their account electronically at ATMs and POS terminals. Fees related to ATM and VISA debit card transactions are recognized when the transactions are completed and the Company has satisfied its performance obligation. The following presents non-interest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three and nine month periods ending September 30, 2022 and 2021 (in thousands). Three months ended Nine months ended September 30, September 30, 2022 2021 2022 2021 Non-interest income: In-scope of Topic 606 Wealth management fees $ 2,813 $ 3,137 $ 8,954 $ 9,031 Service charges on deposit accounts 289 260 824 685 Other 538 548 1,521 1,510 Non-interest income (in-scope of topic 606) 3,640 3,945 11,299 11,226 Non-interest income (out-of-scope of topic 606) 686 471 1,500 2,203 Total non-interest income $ 4,326 $ 4,416 $ 12,799 $ 13,429

Earnings Per Common Share

Earnings Per Common Share	9 Months Ended
Earnings Per Common Share	Sep. 30, 2022
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 September 30, 2022 and 2021, options to purchase 22,000 common shares, with an exercise price of $4.00 to $4.22, were outstanding but were not included in the computation of diluted earnings per common share because to do so would be antidilutive. For the nine month periods ending September 30, 2022 and 2021, options to purchase 12,000 common shares, with an exercise price of $4.19 to $4.22, and options to purchase 22,000 common shares, with an exercise price of $4.00 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 Nine months ended September 30, September 30, 2022 2021 2022 2021 (In thousands, except per share data) Numerator: Net income $ 2,102 $ 1,431 $ 6,501 $ 5,220 Denominator: Weighted average common shares outstanding (basic) 17,111 17,075 17,105 17,071 Effect of stock options 34 39 41 43 Weighted average common shares outstanding (diluted) 17,145 17,114 17,146 17,114 Earnings per common share Basic $ 0.12 $ 0.08 $ 0.38 $ 0.31 Diluted 0.12 0.08 0.38 0.31

Consolidated Statement of Cash

Consolidated Statement of Cash Flows	9 Months Ended
Consolidated Statement of Cash Flows	Sep. 30, 2022
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 $950,000 in income tax payments in the first nine months of 2022 compared to $200,000 in the same 2021 period. The Company made total interest payments of $5,407,000 in the first nine months of 2022 compared to $6,898,000 in the same 2021 period. The Company had $53,000 non-cash transfers to other real estate owned (OREO) and repossessed assets in the first nine months of 2022 compared to $8,000 non-cash transfers in the same 2021 period. During the first nine months of 2022, the Company entered into a new operating lease related to an office location and recorded a right-of-use asset and lease liability . During the first nine months of 2021, the Company did not enter into any new lease agreements.

Investment Securities

Investment Securities	9 Months Ended
Investment Securities	Sep. 30, 2022
Investment Securities
Investment Securities	7. Investment Securities The cost basis and fair values of investment securities are summarized as follows: Investment securities available for sale (AFS): September 30, 2022 GROSS GROSS UNREALIZED UNREALIZED FAIR COST BASIS GAINS LOSSES VALUE (IN THOUSANDS) U.S. Agency $ 11,349 $ — $ (1,312) $ 10,037 U.S. Agency mortgage-backed securities 101,389 14 (13,377) 88,026 Municipal 21,438 — (1,799) 19,639 Corporate bonds 59,284 36 (2,722) 56,598 Total $ 193,460 $ 50 $ (19,210) $ 174,300 Investment securities held to maturity (HTM): September 30, 2022 GROSS GROSS UNREALIZED UNREALIZED FAIR COST BASIS GAINS LOSSES VALUE (IN THOUSANDS) U.S. Agency $ 2,500 $ — $ (439) $ 2,061 U.S. Agency mortgage-backed securities 19,354 11 (2,343) 17,022 Municipal 34,206 6 (3,818) 30,394 Corporate bonds and other securities 6,507 — (196) 6,311 Total $ 62,567 $ 17 $ (6,796) $ 55,788 Investment securities available for sale (AFS): December 31, 2021 GROSS GROSS UNREALIZED UNREALIZED FAIR COST BASIS GAINS LOSSES VALUE (IN THOUSANDS) U.S. Agency $ 7,371 $ 86 $ (70) $ 7,387 U.S. Agency mortgage-backed securities 80,136 1,202 (1,171) 80,167 Municipal 20,066 851 (25) 20,892 Corporate bonds 53,843 1,028 (146) 54,725 Total $ 161,416 $ 3,167 $ (1,412) $ 163,171 Investment securities held to maturity (HTM): December 31, 2021 GROSS GROSS UNREALIZED UNREALIZED FAIR COST BASIS GAINS LOSSES VALUE (IN THOUSANDS) U.S. Agency $ 2,500 $ — $ (11) $ 2,489 U.S. Agency mortgage-backed securities 10,556 203 (115) 10,644 Municipal 33,188 1,734 (103) 34,819 Corporate bonds and other securities 7,507 64 (7) 7,564 Total $ 53,751 $ 2,001 $ (236) $ 55,516 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 September 30, 2022, 52.9% of the portfolio was rated “AAA” as compared to 47.1% at December 31, 2021. Approximately 13.9% of the portfolio was either rated below “A” or unrated at September 30, 2022 as compared to 14.7% at December 31, 2021. The Company sold $1.5 million AFS securities during the third quarter and first nine months of 2022 resulting in $5,000 of gross investment security gains and $5,000 of gross investment security losses. The Company sold no AFS securities during the third quarter of 2021. Total proceeds from the sale of AFS securities for the first nine months of 2021 were $960,000 resulting in $84,000 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 $129,517,000 at September 30, 2022 and $122,574,000 at December 31, 2021. The following tables present information concerning investments with unrealized losses as of September 30, 2022 and December 31, 2021 (in thousands): Total investment securities: September 30, 2022 LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED VALUE LOSSES VALUE LOSSES VALUE LOSSES U.S. Agency $ 5,917 $ (432) $ 6,181 $ (1,319) $ 12,098 $ (1,751) U.S. Agency mortgage-backed securities 65,965 (6,084) 37,261 (9,636) 103,226 (15,720) Municipal 43,069 (4,327) 5,796 (1,290) 48,865 (5,617) Corporate bonds and other securities 46,988 (2,416) 5,898 (502) 52,886 (2,918) Total $ 161,939 $ (13,259) $ 55,136 $ (12,747) $ 217,075 $ (26,006) Total investment securities: December 31, 2021 LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED VALUE LOSSES VALUE LOSSES VALUE LOSSES U.S. Agency $ 7,419 $ (81) $ — $ — $ 7,419 $ (81) U.S. Agency mortgage-backed securities 45,422 (972) 6,691 (314) 52,113 (1,286) Municipal 7,832 (128) — — 7,832 (128) Corporate bonds and other securities 14,558 (92) 2,439 (61) 16,997 (153) Total $ 75,231 $ (1,273) $ 9,130 $ (375) $ 84,361 $ (1,648) 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 423 positions that are considered temporarily impaired at September 30, 2022. 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. The interest rate environment and market yields can also have a significant impact on the yield earned on mortgage-backed securities (MBS). Prepayment speed assumptions are an important factor to consider when evaluating the returns on an MBS. Generally, as interest rates decline, borrowers have more incentive to refinance into a lower rate, so prepayments will rise. Conversely, as interest rates increase, prepayments will decline. When an MBS is purchased at a premium, the yield will decrease as prepayments increase and the yield will increase as prepayments decrease. As of September 30, 2022, the Company had low premium risk as the book value of our mortgage-backed securities purchased at a premium was only Contractual maturities of securities at September 30, 2022 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 September 30, 2022 is 58.2 months and is higher than the duration at December 31, 2021 which was 41.5 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: September 30, 2022 Available for sale Held to maturity Cost Basis Fair Value Cost Basis Fair Value Within 1 year $ 7,265 $ 7,234 $ 2,200 $ 2,132 After 1 year but within 5 years 40,696 39,101 12,136 11,620 After 5 years but within 10 years 49,071 44,735 24,434 21,526 Over 10 years 96,428 83,230 23,797 20,510 Total $ 193,460 $ 174,300 $ 62,567 $ 55,788

Loans

Loans	9 Months Ended
Loans	Sep. 30, 2022
Loans
Loans	8. Loans The loan portfolio of the Company consists of the following (in thousands): September 30, 2022 December 31, 2021 Commercial: Commercial and industrial $ 128,116 $ 134,182 Paycheck Protection Program (PPP) 24 17,311 Commercial loans secured by owner occupied real estate (1) 80,247 99,644 Commercial loans secured by non-owner occupied real estate (1) 459,943 430,825 Real estate − residential mortgage (1) 297,384 287,996 Consumer 13,736 15,096 Loans, net of unearned income $ 979,450 $ 985,054 (1) Real estate construction loans constituted 4.5% and 5.6% of the Company’s total loans, net of unearned income as of September 30, 2022 and December 31, 2021, respectively. Loan balances at September 30, 2022 and December 31, 2021 are net of unearned income of $393,000 and $826,000 , respectively. The unearned income balance at September 30, 2022 includes The ongoing COVID-19 pandemic is a fluid situation and continues to evolve, impacting the way many businesses operate. The pandemic and its associated impacts on trade (including supply chains and export levels), travel, employee productivity, unemployment, inflation, and consumer spending has resulted in less economic activity and significant volatility and disruption. Certain loans within our commercial and commercial real estate portfolios have been disproportionately adversely affected by the pandemic. The following table provides information regarding our potential COVID-19 risk concentrations for commercial and commercial real estate loans by industry type at September 30, 2022 and December 31, 2021 (in thousands). September 30, 2022 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 $ 5 $ — $ — $ 8,778 $ 8,783 Multifamily/apartments/student housing — — 267 82,181 82,448 Office 37,622 — 8,059 24,081 69,762 Retail 7,030 — 17,348 154,010 178,388 Industrial/manufacturing/warehouse 64,321 — 11,442 77,368 153,131 Hotels — — — 41,162 41,162 Eating and drinking places 303 24 4,656 1,363 6,346 Personal care 959 — — 2,666 3,625 Amusement and recreation 77 — 3,819 3 3,899 Mixed use — — 4,181 49,833 54,014 Other 17,799 — 30,475 18,498 66,772 Total $ 128,116 $ 24 $ 80,247 $ 459,943 $ 668,330 December 31, 2021 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 $ 1,246 $ — $ 96 $ 8,565 $ 9,907 Multifamily/apartments/student housing — — 245 73,912 74,157 Office 37,386 203 8,644 28,500 74,733 Retail 7,253 444 20,439 148,668 176,804 Industrial/manufacturing/warehouse 74,508 5,940 21,468 44,316 146,232 Hotels 154 1,764 — 42,425 44,343 Eating and drinking places 484 6,591 4,537 1,752 13,364 Personal care 1,197 173 — 4,315 5,685 Amusement and recreation 92 53 5,402 12 5,559 Mixed use — — 4,031 62,088 66,119 Other 11,862 2,143 34,782 16,272 65,059 Total $ 134,182 $ 17,311 $ 99,644 $ 430,825 $ 681,962 Paycheck Protection Program The Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, was signed into law on March 27, 2020, and provided emergency economic relief to individuals and businesses impacted by the COVID-19 pandemic. The CARES Act and subsequent legislation 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 could 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 have: (a) an interest rate of (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 In addition, PPP allowed certain eligible borrowers that previously received a PPP loan to apply for a second draw loan with the same general loans terms described above. The maximum loan amount of a second draw PPP loan was 2.5 times, or 3.5 times for borrowers within the hospitality industry, the average monthly 2019 or 2020 payroll costs up to $2.0 million. Eligibility for a second draw PPP loan was based on the following criteria: (a) borrower previously received a first draw PPP loan and used the full amount for only authorized expenditures; (b) borrower has 300 or less employees; and (c) borrower can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020. The PPP loan program expired on May 31, 2021 for originating new loans. As of September 30, 2022, the Company had 1 PPP loan outstanding totaling $24,000 and has recorded a total of $58,000 and $433,000 of processing fee income and interest income from PPP lending activity in the third quarter and first nine months of 2022, respectively.

Allowance for Loan Losses

Allowance for Loan Losses	9 Months Ended
Allowance for Loan Losses	Sep. 30, 2022
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 nine month periods ending September 30, 2022 and 2021 (in thousands). Three months ended September 30, 2022 Balance at Charge- Provision Balance at June 30, 2022 Offs Recoveries (Credit) September 30, 2022 Commercial $ 3,158 $ — $ 4 $ (406) $ 2,756 Commercial loans secured by non-owner occupied real estate 5,716 (1,390) 13 1,093 5,432 Real estate-residential mortgage 1,473 (9) 2 (89) 1,377 Consumer 102 (24) 8 1 87 Allocation for general risk 1,119 — — (99) 1,020 Total $ 11,568 $ (1,423) $ 27 $ 500 $ 10,672 Three months ended September 30, 2021 Balance at Charge- Provision Balance at June 30, 2021 Offs Recoveries (Credit) September 30, 2021 Commercial $ 3,534 $ — $ 35 $ (445) $ 3,124 Commercial loans secured by non-owner occupied real estate 5,535 — 13 670 6,218 Real estate-residential mortgage 1,388 — 8 61 1,457 Consumer 123 (50) 16 28 117 Allocation for general risk 1,172 — — 36 1,208 Total $ 11,752 $ (50) $ 72 $ 350 $ 12,124 Nine months ended September 30, 2022 Balance at Charge- Provision Balance at December 31, 2021 Offs Recoveries (Credit) September 30, 2022 Commercial $ 3,071 $ (72) $ 4 $ (247) $ 2,756 Commercial loans secured by non-owner occupied real estate 6,392 (1,390) 39 391 5,432 Real estate-residential mortgage 1,590 (32) 14 (195) 1,377 Consumer 113 (110) 46 38 87 Allocation for general risk 1,232 — — (212) 1,020 Total $ 12,398 $ (1,604) $ 103 $ (225) $ 10,672 Nine months ended September 30, 2021 Balance at Charge- Provision Balance at December 31, 2020 Offs Recoveries (Credit) September 30, 2021 Commercial $ 3,472 $ (147) $ 52 $ (253) $ 3,124 Commercial loans secured by non-owner occupied real estate 5,373 — 37 808 6,218 Real estate-residential mortgage 1,292 (17) 42 140 1,457 Consumer 115 (85) 47 40 117 Allocation for general risk 1,093 — — 115 1,208 Total $ 11,345 $ (249) $ 178 $ 850 $ 12,124 The Company recorded a $500,000 loan loss provision in the third quarter of 2022 as compared to a $350,000 provision expense recorded in the third quarter of 2021. For the first nine months of 2022, the Company recorded a $225,000 provision recovery compared to an $850,000 provision expense recorded in the first nine months of 2021, representing a $1.1 million favorable shift between years. The increased third quarter 2022 provision expense reflects the partial charge-down and transfer of one non-owner occupied commercial real estate loan relationship into non-accrual status while the borrower pursues the sale of the property. However, the provision recovery for the nine-month time period in 2022 reflects improved credit quality for the overall portfolio due to several loan upgrades and increased payoff and paydown activity including two substandard credits. As demonstrated historically, the Company continues its strategic conviction that a strong allowance for loan losses is needed, which has proven to be essential given the support provided to certain borrowers as they fully recover from the COVID-19 pandemic. Even with the third quarter increase, overall non-performing assets remain well controlled, and such assets totaled $4.6 million, or 0.47% of total loans, at September 30, 2022 compared to $3.3 million, or 0.34% of total loans, at December 31, 2021. 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. Due primarily to the partial charge-down described above, the Company experienced net loan charge-offs of $1.5 million, or 0.21% of total average loans, in the nine months of 2022 which is considerably higher than the net loan charge-offs of $71,000, or 0.01% of total average loans, in the nine months of 2021. The allowance for loan losses provided 232% coverage of non-performing assets, and 1.09% of total loans, at September 30, 2022, compared to 373% coverage of non-performing assets, and 1.26% of total loans, at December 31, 2021. The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio (in thousands). At September 30, 2022 Commercial Loans Secured by Non-Owner Real Estate- Occupied Residential Allocation for Commercial Real Estate Mortgage Consumer General Risk Total Loans: Individually evaluated for impairment $ 2,045 $ 1,623 $ — $ — $ 3,668 Collectively evaluated for impairment 206,342 458,320 297,384 13,736 975,782 Total loans $ 208,387 $ 459,943 $ 297,384 $ 13,736 $ 979,450 Allowance for loan losses: Specific reserve allocation $ 567 $ 3 $ — $ — $ — $ 570 General reserve allocation 2,189 5,429 1,377 87 1,020 10,102 Total allowance for loan losses $ 2,756 $ 5,432 $ 1,377 $ 87 $ 1,020 $ 10,672 At December 31, 2021 Commercial Loans Secured by Non-Owner Real Estate- Occupied Residential Allocation for Commercial Real Estate Mortgage Consumer General Risk Total Loans: Individually evaluated for impairment $ 2,165 $ 5 $ — $ — $ 2,170 Collectively evaluated for impairment 248,972 430,820 287,996 15,096 982,884 Total loans $ 251,137 $ 430,825 $ 287,996 $ 15,096 $ 985,054 Allowance for loan losses: Specific reserve allocation $ 628 $ 5 $ — $ — $ — $ 633 General reserve allocation 2,443 6,387 1,590 113 1,232 11,765 Total allowance for loan losses $ 3,071 $ 6,392 $ 1,590 $ 113 $ 1,232 $ 12,398 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 non-accrual 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 either the discounted cash flows or 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 Collections and 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 Collections and 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 Collections and 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 Collections and Assigned Risk Department personnel, rests with the Collections and 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. At September 30, 2022 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 (IN THOUSANDS) Commercial $ 2,045 $ 567 $ — $ 2,045 $ 2,251 Commercial loans secured by non-owner occupied real estate 3 3 1,620 1,623 1,645 Total impaired loans $ 2,048 $ 570 $ 1,620 $ 3,668 $ 3,896 At December 31, 2021 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 (IN THOUSANDS) Commercial $ 2,165 $ 628 $ — $ 2,165 $ 2,260 Commercial loans secured by non-owner occupied real estate 5 5 — 5 27 Total impaired loans $ 2,170 $ 633 $ — $ 2,170 $ 2,287 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 Nine months ended September 30, September 30, 2022 2021 2022 2021 Average impaired balance: Commercial $ 2,066 $ 2,233 $ 2,106 $ 1,972 Commercial loans secured by non-owner occupied real estate 814 7 410 7 Average investment in impaired loans $ 2,880 $ 2,240 $ 2,516 $ 1,979 Interest income recognized: Commercial $ — $ 3 $ — $ 15 Commercial loans secured by non-owner occupied real estate — — — — Interest income recognized on a cash basis on impaired loans $ — $ 3 $ — $ 15 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 the year ending December 31, 2022 requires review of approximately 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 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. At September 30, 2022 SPECIAL PASS MENTION SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial and industrial $ 122,959 $ — $ 5,157 $ — $ 128,116 Paycheck Protection Program (PPP) 24 — — — 24 Commercial loans secured by owner occupied real estate 79,257 — 990 — 80,247 Commercial loans secured by non-owner occupied real estate 436,874 13,801 9,265 3 459,943 Total $ 639,114 $ 13,801 $ 15,412 $ 3 $ 668,330 At December 31, 2021 SPECIAL PASS MENTION SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial and industrial $ 125,079 $ 6,722 $ 738 $ 1,643 $ 134,182 Paycheck Protection Program (PPP) 17,311 — — — 17,311 Commercial loans secured by owner occupied real estate 98,271 297 1,076 — 99,644 Commercial loans secured by non-owner occupied real estate 399,104 19,322 12,394 5 430,825 Total $ 639,765 $ 26,341 $ 14,208 $ 1,648 $ 681,962 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. At September 30, 2022 NON- PERFORMING PERFORMING TOTAL (IN THOUSANDS) Real estate – residential mortgage $ 296,495 $ 889 $ 297,384 Consumer 13,736 — 13,736 Total $ 310,231 $ 889 $ 311,120 At December 31, 2021 NON- PERFORMING PERFORMING TOTAL (IN THOUSANDS) Real estate – residential mortgage $ 286,843 $ 1,153 $ 287,996 Consumer 15,096 — 15,096 Total $ 301,939 $ 1,153 $ 303,092 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. At September 30, 2022 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 (IN THOUSANDS) Commercial and industrial $ 127,634 $ 402 $ 80 $ — $ 482 $ 128,116 $ — Paycheck Protection Program (PPP) 24 — — — — 24 — Commercial loans secured by owner occupied real estate 80,247 — — — — 80,247 — Commercial loans secured by non-owner occupied real estate 459,943 — — — — 459,943 — Real estate – residential mortgage 294,977 584 995 828 2,407 297,384 — Consumer 13,441 289 6 — 295 13,736 — Total $ 976,266 $ 1,275 $ 1,081 $ 828 $ 3,184 $ 979,450 $ — At December 31, 2021 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 (IN THOUSANDS) Commercial and industrial $ 133,918 $ 14 $ 250 $ — $ 264 $ 134,182 $ — Paycheck Protection Program (PPP) 17,311 — — — — 17,311 — Commercial loans secured by owner occupied real estate 99,454 — 190 — 190 99,644 — Commercial loans secured by non-owner occupied real estate 428,790 2,035 — — 2,035 430,825 — Real estate – residential mortgage 283,178 2,449 1,240 1,129 4,818 287,996 — Consumer 14,938 151 7 — 158 15,096 — Total $ 977,589 $ 4,649 $ 1,687 $ 1,129 $ 7,465 $ 985,054 $ — 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 is 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)	9 Months Ended
	Sep. 30, 2022
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): September 30, 2022 December 31, 2021 Non-accrual loans: Commercial and industrial $ 2,045 $ 2,165 Commercial loans secured by non-owner occupied real estate 1,623 5 Real estate – residential mortgage 889 1,153 Total 4,557 3,323 Other real estate owned and repossessed assets: Real estate – residential mortgage 38 — Consumer 1 — Total 39 — Total non-performing assets including TDR $ 4,596 $ 3,323 Total non-performing assets as a percent of loans, net of unearned income, other real estate owned and repossessed assets 0.47 % 0.34 % The Company had no loans past due 90 days or more for the periods presented which were accruing interest. 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 following table details the loan modified as a TDR during the three-month period ended September 30, 2022 (dollars in thousands). Loans in non-accrual status # of Loans Current Balance Concession Granted Commercial loans secured by non-owner occupied real estate 1 $ 1,620 Extension of maturity date with an interest only period at below market interest rate The following table details the loans modified as TDRs during the nine-month period ended September 30, 2022 (dollars in thousands). Loans in non-accrual status # of Loans Current Balance Concession Granted Commercial and industrial 1 $ 458 Subsequent modification of a TDR - Extension of maturity date with a below market interest rate Commercial loans secured by non-owner occupied real estate 1 $ 1,620 Extension of maturity date with an interest only period at below market interest rate The Company had no loans modified as TDRs during the three-month period ended September 30, 2021. The following table details the loan modified as a TDR during the nine-month period ended September 30, 2021 (dollars in thousands). Loans in non-accrual status # of Loans Current Balance Concession Granted Commercial and industrial 1 $ 480 Subsequent modification of a TDR - 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 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, 2021 and 2020 (nine-month periods) and July 1, 2021 and 2020 (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 so long as the loan was current on payments as of December 31, 2019. The suspension of TDR identification and accounting triggered by the effects of the COVID-19 pandemic was extended by the Consolidated Appropriations Act, 2021, signed into law on December 27, 2020. The period established by Section 4013 of the CARES Act was extended to the earlier of January 1, 2022 or 60 days after the date on which the national COVID-19 emergency terminates. Additionally, 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 remains committed to prudently working with and supporting our borrowers that have been hardest hit by the pandemic by granting them loan payment modifications. The following table presents information comparing loans which were subject to a loan modification related to COVID-19, as of September 30, 2022 and December 31, 2021. 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. At September 30, 2022 At December 31, 2021 % of Outstanding % of Outstanding Balance Non-PPP Loans Balance Non-PPP Loans (in thousands) (in thousands) CRE/Commercial $ 3,919 0.6 % $ 7,488 1.1 % Home Equity/Consumer — — 57 0.1 Residential Mortgage 248 0.1 203 0.1 Total $ 4,167 0.4 $ 7,748 0.8 The balance of loan modifications related to COVID-19 at September 30, 2022 represents a decrease of $3.6 million, or 46.2%, from the balance of loans modified for COVID-19 at December 31, 2021. In addition, this current level of borrowers requesting payment deferrals is down sharply from its peak level of approximately $200 million that occurred at June 30, 2020. As a result of these loan modifications, the Company has recorded $503,000 of accrued interest income that has not been received as of September 30, 2022. Borrower requested modifications primarily consist of the deferral of principal and/or interest payments. The following table presents the composition of the types of payment relief that have been granted. At September 30, 2022 At December 31, 2021 Number of Loans Balance Number of Loans Balance (in thousands) (in thousands) Type of Payment Relief Interest only payments 2 $ 3,919 6 $ 3,768 Complete payment deferrals 2 248 5 3,980 Total 4 $ 4,167 11 $ 7,748 Management continues to carefully monitor asset quality with a particular focus on customers that have requested payment deferrals during this difficult economic time. Deferral extension requests were considered based upon the customer’s needs and their impacted industry, borrower and guarantor capacity to service debt, and issued regulatory guidance. At September 30, 2022, the COVID-19 related modifications within the commercial real estate and commercial loan portfolios are to two borrowers in the hospitality and personal care industries, with loans totaling approximately $3.9 million. In order to properly monitor the increased credit risk associated with the modified loans, the Asset Quality Task Force is meeting periodically to review these particular relationships, receiving input from the business lenders regarding their ongoing discussions with the borrowers.

Short-Term Borrowings and Advan

Short-Term Borrowings and Advances from Federal Home Loan Bank	9 Months Ended
	Sep. 30, 2022
Short-Term Borrowings and Advances from Federal Home Loan Bank
Short-Term Borrowings and Advances from Federal Home Loan Bank	11. Short-Term Borrowings and Advances from Federal Home Loan Bank Total short-term and Federal Home Loan Bank (FHLB) borrowings and advances consist of the following (in thousands, except percentages): At September 30, 2022 Weighted Type Maturing Amount Average Rate Open Repo Plus Overnight $ 26,274 3.11 % FHLB Advances 2022 8,757 1.79 2023 15,568 1.59 2024 4,197 1.19 Total FHLB advances 28,522 1.59 Total short-term and FHLB borrowings $ 54,796 2.32 % At December 31, 2021 Weighted Type Maturing Amount Average Rate Open Repo Plus Overnight $ — — % FHLB Advances 2022 22,888 1.88 2023 15,568 1.59 2024 4,197 1.19 Total FHLB advances 42,653 1.71 Total short-term and FHLB borrowings $ 42,653 1.71 % 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.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	9 Months Ended
Accumulated Other Comprehensive Loss	Sep. 30, 2022
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Loss	12. 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 nine months ended September 30, 2022 and 2021 (in thousands): Three months ended September 30, 2022 Three months ended September 30, 2021 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 $ (8,766) $ (11,467) $ (20,233) $ 2,863 $ (12,180) $ (9,317) Other comprehensive income (loss) before reclassifications (6,370) (498) (6,868) (466) 1,219 753 Amounts reclassified from accumulated other comprehensive loss — 451 451 — 694 694 Net current period other comprehensive income (loss) (6,370) (47) (6,417) (466) 1,913 1,447 Ending balance $ (15,136) $ (11,514) $ (26,650) $ 2,397 $ (10,267) $ (7,870) (1) Amounts in parentheses indicate debits on the Consolidated Balance Sheets. Nine months ended September 30, 2022 Nine months ended September 30, 2021 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 $ 1,386 $ (7,898) $ (6,512) $ 3,539 $ (16,737) $ (13,198) Other comprehensive income (loss) before reclassifications (16,522) (5,408) (21,930) (1,076) 4,140 3,064 Amounts reclassified from accumulated other comprehensive loss — 1,792 1,792 (66) 2,330 2,264 Net current period other comprehensive income (loss) (16,522) (3,616) (20,138) (1,142) 6,470 5,328 Ending balance $ (15,136) $ (11,514) $ (26,650) $ 2,397 $ (10,267) $ (7,870) (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 nine months ended September 30, 2022 and 2021 (in thousands): Amount reclassified from accumulated other comprehensive loss (1) For the three For the three Details about accumulated other months ended months ended Affected line item in the comprehensive loss components September 30, 2022 September 30, 2021 statement of operations Amortization of estimated defined benefit pension plan loss (2) $ 571 $ 879 Other expense (120) (185) Provision for income taxes $ 451 $ 694 Total reclassifications for the period $ 451 $ 694 (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 17 for additional details). Amount reclassified from accumulated other comprehensive loss (1) For the nine For the nine Details about accumulated other months ended months ended Affected line item in the comprehensive loss components September 30, 2022 September 30, 2021 statement of operations Realized gains on sale of securities $ — $ (84) Net realized gains on investment securities — 18 Provision for income taxes $ — $ (66) Amortization of estimated defined benefit pension plan loss (2) $ 2,268 $ 2,949 Other expense (476) (619) Provision for income taxes $ 1,792 $ 2,330 Total reclassifications for the period $ 1,792 $ 2,264 (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 17 for additional details).

Regulatory Capital

Regulatory Capital	9 Months Ended
Regulatory Capital	Sep. 30, 2022
Regulatory Capital
Regulatory Capital	13. 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 September 30, 2022, 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. At September 30, 2022 TO BE WELL MINIMUM CAPITALIZED REQUIRED UNDER FOR PROMPT CAPITAL CORRECTIVE ADEQUACY ACTION COMPANY BANK PURPOSES REGULATIONS* AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 152,571 13.92 % $ 136,390 12.49 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) 114,491 10.44 124,944 11.45 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 114,491 10.44 124,944 11.45 6.00 8.00 Tier 1 Capital (To Average Assets) 114,491 8.56 124,944 9.44 4.00 5.00 At December 31, 2021 TO BE WELL MINIMUM CAPITALIZED REQUIRED UNDER FOR PROMPT CAPITAL CORRECTIVE ADEQUACY ACTION COMPANY BANK PURPOSES REGULATIONS* AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 149,177 14.04 % $ 133,881 12.66 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) 109,292 10.29 120,656 11.41 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 109,292 10.29 120,656 11.41 6.00 8.00 Tier 1 Capital (To Average Assets) 109,292 8.17 120,656 9.12 4.00 5.00 * Applies to the Bank only.

Derivative Hedging Instruments

Derivative Hedging Instruments	9 Months Ended
Derivative Hedging Instruments	Sep. 30, 2022
Derivative Hedging Instruments
Derivative Hedging Instruments	14. 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. Interest Rate Swap Agreements 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 this large financial institution. 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 the large financial institution 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 18. The following table summarizes the interest rate swap transactions that impacted the Company’s first nine months of 2022 and 2021 performance (in thousands, except percentages). At September 30, 2022 INCREASE AGGREGATE WEIGHTED (DECREASE) NOTIONAL AVERAGE RATE REPRICING IN INTEREST HEDGE TYPE AMOUNT RECEIVED/(PAID) FREQUENCY EXPENSE Swap assets N/A $ 64,624 3.54 % Monthly $ (306) Swap liabilities N/A (64,624) (3.54) Monthly 306 Net exposure — — — At September 30, 2021 INCREASE AGGREGATE WEIGHTED (DECREASE) NOTIONAL AVERAGE RATE REPRICING IN INTEREST HEDGE TYPE AMOUNT RECEIVED/(PAID) FREQUENCY EXPENSE Swap assets N/A $ 55,061 2.59 % Monthly $ (602) Swap liabilities N/A (55,061) (2.59) Monthly 602 Net exposure — — — Risk Participation Agreement The Company entered into a risk participation agreement (RPA) with the lead bank of a commercial real estate loan arrangement. As a participating bank, the Company guarantees the performance on a borrower-related interest rate swap contract. The Company has no obligations under the RPA unless the borrower defaults on their swap transaction with the lead bank and the swap is a liability to the borrower. In that instance, the Company has agreed to pay the lead bank a pre-determined percentage of the swap’s value at the time of default. In exchange for providing the guarantee, the Company received an upfront fee from the lead bank. RPAs are derivative financial instruments and are recorded at fair value. These derivatives are not designated as hedges and therefore, changes in fair value are recognized in earnings with a corresponding offset within other liabilities. Disclosures related to the fair value of the RPA can be found in Note 18. The notional amount of the risk participation agreement outstanding at September 30, 2022 and 2021 was $2.2 million and $2.6 million, respectively. 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 September 30, 2022 and 2021. None of the Company's derivatives are designated as hedging instruments.

Segment Results

Segment Results	9 Months Ended
Segment Results	Sep. 30, 2022
Segment Results
Segment Results	15. 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 (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 nine months ended September 30, 2022 and 2021 were as follows (in thousands): Three months ended Nine months ended September 30, 2022 September 30, 2022 Total revenue Net income (loss) Total revenue Net income (loss) Community banking $ 13,341 $ 3,359 $ 37,912 $ 9,493 Wealth management 2,827 425 9,006 1,658 Investment/Parent (1,313) (1,682) (3,699) (4,650) Total $ 14,855 $ 2,102 $ 43,219 $ 6,501 Three months ended Nine months ended September 30, 2021 September 30, 2021 Total revenue Net income (loss) Total revenue Net income (loss) Community banking $ 12,515 $ 2,801 $ 38,605 $ 9,059 Wealth management 3,154 831 9,082 2,227 Investment/Parent (2,027) (2,201) (5,473) (6,066) Total $ 13,642 $ 1,431 $ 42,214 $ 5,220

Commitments and Contingent Liab

Commitments and Contingent Liabilities	9 Months Ended
Commitments and Contingent Liabilities	Sep. 30, 2022
Commitments and Contingent Liabilities
Commitments and Contingent Liabilities	16. Commitments and Contingent Liabilities The Company had various outstanding commitments to extend credit approximating $239.5 million and $216.6 million along with standby letters of credit of $12.0 million and $13.1 million as of September 30, 2022 and December 31, 2021, 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. The carrying amount of the reserves for AmeriServ obiligations related to unfunded commitments and standby letters of credit was $774,000 at September 30, 2022 and $989,000 at December 31, 2021. 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	9 Months Ended
Pension Benefits	Sep. 30, 2022
Pension Benefits
Pension Benefits	17. 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 U.S. 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 nine months ended September 30, 2022 and 2021 were as follows (in thousands): Three months ended Nine months ended September 30, September 30, 2022 2021 2022 2021 COMPONENTS OF NET PERIODIC BENEFIT COST: Service cost $ 358 $ 429 $ 1,073 $ 1,287 Interest cost 365 221 1,094 664 Expected return on plan assets (1,052) (1,004) (3,156) (3,012) Amortization of net loss 341 610 1,024 1,829 Settlement charge 230 269 1,244 1,120 Net periodic pension cost $ 242 $ 525 $ 1,279 $ 1,888 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 on the Consolidated Statements of Operations. The Company recognized a $230,000 and $1.2 million settlement charge in connection with its defined benefit pension plan in the third quarter and first nine months of 2022, respectively. This compares to a $269,000 and $1.1 million settlement charge recognized in the third quarter and first nine months of 2021, respectively. A settlement charge must be recognized when the total dollar amount of lump sum distributions paid from the pension plan to retired employees exceeds a threshold of expected annual service and interest costs in the current year. So far in 2022, a vast majority of employees that retired have elected to take a lump sum distribution as opposed to collecting future monthly annuity payments since the value of the lump sums continued to be elevated this year due to the low level of interest rates in late 2021 when these lump sums were calculated. It is anticipated that the Company will be required to recognize additional settlement charges through year end as more people retire. However, the amount of these future settlement charges are difficult to estimate. It is important to note that since the retired employees have chosen to take the lump sum payments, these individuals are no longer included in the pension plan. Therefore, we expect that the Company’s normal annual pension expense should be lower in the future, which has been evident so far in 2022 as the normal amount of pension expense required to be recognized is lower than the 2021 level. The accrued pension liability, which had a positive (debit) balance of $17.6 million and $19.5 million, was reclassified to other assets on the Consolidated Balance Sheets as of September 30, 2022 and December 31, 2021, respectively. The balance of the accrued pension liability continues to be a positive value as a result of Company contributions to the plan and the revaluation of the obligation due to the recognition of the settlement charge. 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	9 Months Ended
	Sep. 30, 2022
Disclosures about Fair Value Measurements and Financial Instruments
Disclosures about Fair Value Measurements and Financial Instruments	18. 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 Liabilities 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 U.S. 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 and the risk participation agreement associated with a commercial real estate loan 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 liabilities measured and reported on the Consolidated Balance Sheets on a recurring basis at their fair value as of September 30, 2022 and December 31, 2021, by level within the fair value hierarchy (in thousands). Fair Value Measurements at September 30, 2022 TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Equity securities $ 491 $ 491 $ — $ — Available for sale securities: U.S. Agency 10,037 — 10,037 — U.S. Agency mortgage-backed securities 88,026 — 88,026 — Municipal 19,639 — 19,639 — Corporate bonds 56,598 — 56,598 — Interest rate swap asset 7,518 — 7,518 — Interest rate swap liability (7,367) — (7,367) — Risk participation agreement — — — — Fair Value Measurements at December 31, 2021 TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Equity securities $ 526 $ 526 $ — $ — Available for sale securities: U.S. Agency 7,387 — 7,387 — U.S. Agency mortgage-backed securities 80,167 — 80,167 — Municipal 20,892 — 20,892 — Corporate bonds 54,725 — 54,725 — Interest rate swap asset 1,226 — 1,226 — Interest rate swap liability (1,226) — (1,226) — Risk participation agreement — — — — (1) Included within other assets on the Consolidated Balance Sheets. (2) Included within other liabilities on the Consolidated Balance Sheets. 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 September 30, 2022, impaired loans evaluated using the collateral method with a carrying value of $1.6 million were reduced by a specific valuation allowance totaling $3,000 resulting in a net fair value of $1.6 million. At December 31, 2021, impaired loans evaluated using the collateral method with a carrying value of $5,000 were reduced by a specific valuation allowance totaling $5,000 resulting in a net fair value of zero. Other real estate owned is measured at fair value based on appraisals, less estimated costs to sell at the date of foreclosure. The Bank’s internal Collections and Assigned Risk Department estimates the fair value of repossessed assets, such as vehicles and equipment, using a formula driven analysis based on automobile or other industry data, less estimated costs to sell at the time of repossession. 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 and repossessed assets. Assets measured and recorded at fair value on a non-recurring basis are summarized below (in thousands, except range data): Fair Value Measurements September 30, 2022 TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Impaired loans $ 1,620 $ — $ — $ 1,620 Other real estate owned and repossessed assets 39 — — 39 Fair Value Measurements December 31, 2021 TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Impaired loans $ — $ — $ — $ — Quantitative Information About Level 3 Fair Value Measurements Valuation Unobservable September 30, 2022 Fair Value Techniques Input Range (Wgtd Avg) Impaired loans $ 1,620 Appraisal of Appraisal 0% to 100% ( 0% ) collateral adjustments Other real estate owned and repossessed assets 39 Appraisal of Appraisal 52% ( 52% ) collateral adjustments Liquidation 10% to 39% ( 11% ) expenses Quantitative Information About Level 3 Fair Value Measurements Valuation Unobservable December 31, 2021 Fair Value Techniques Input Range (Wgtd Avg) Impaired loans $ — Appraisal of Appraisal 100% (100%) collateral adjustments (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, deposits with no stated maturities, 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 U.S. GAAP measurements and recorded carrying values at September 30, 2022 and December 31, 2021 for the remaining financial instruments not required to be measured or reported at fair value were as follows: September 30, 2022 Carrying Value Fair Value (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Investment securities – HTM $ 62,567 $ 55,788 $ — $ 52,936 $ 2,852 Loans, net of allowance for loan loss and unearned income 968,778 910,169 — — 910,169 FINANCIAL LIABILITIES: Deposits with stated maturities 283,640 279,204 — — 279,204 All other borrowings (1) 55,156 52,845 — — 52,845 December 31, 2021 Carrying Value Fair Value (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Investment securities – HTM $ 53,751 $ 55,516 $ — $ 52,523 $ 2,993 Loans held for sale 983 1,022 1,022 — — Loans, net of allowance for loan loss and unearned income 972,656 969,681 — — 969,681 FINANCIAL LIABILITIES: Deposits with stated maturities 292,325 294,280 — — 294,280 All other borrowings (1) 69,256 69,506 — — 69,506 (1) All other borrowings include advances from Federal Home Loan Bank 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.

Revenue Recognition (Tables)

Revenue Recognition (Tables)	9 Months Ended
Revenue Recognition (Tables)	Sep. 30, 2022
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 nine month periods ending September 30, 2022 and 2021 (in thousands). Three months ended Nine months ended September 30, September 30, 2022 2021 2022 2021 Non-interest income: In-scope of Topic 606 Wealth management fees $ 2,813 $ 3,137 $ 8,954 $ 9,031 Service charges on deposit accounts 289 260 824 685 Other 538 548 1,521 1,510 Non-interest income (in-scope of topic 606) 3,640 3,945 11,299 11,226 Non-interest income (out-of-scope of topic 606) 686 471 1,500 2,203 Total non-interest income $ 4,326 $ 4,416 $ 12,799 $ 13,429

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	9 Months Ended
Earnings Per Common Share (Tables)	Sep. 30, 2022
Earnings Per Common Share
Schedule of Earnings Per Common Share	Three months ended Nine months ended September 30, September 30, 2022 2021 2022 2021 (In thousands, except per share data) Numerator: Net income $ 2,102 $ 1,431 $ 6,501 $ 5,220 Denominator: Weighted average common shares outstanding (basic) 17,111 17,075 17,105 17,071 Effect of stock options 34 39 41 43 Weighted average common shares outstanding (diluted) 17,145 17,114 17,146 17,114 Earnings per common share Basic $ 0.12 $ 0.08 $ 0.38 $ 0.31 Diluted 0.12 0.08 0.38 0.31

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
Investment Securities (Tables)	Sep. 30, 2022
Investment Securities
Schedule of cost basis and fair values of investment securities	The cost basis and fair values of investment securities are summarized as follows: Investment securities available for sale (AFS): September 30, 2022 GROSS GROSS UNREALIZED UNREALIZED FAIR COST BASIS GAINS LOSSES VALUE (IN THOUSANDS) U.S. Agency $ 11,349 $ — $ (1,312) $ 10,037 U.S. Agency mortgage-backed securities 101,389 14 (13,377) 88,026 Municipal 21,438 — (1,799) 19,639 Corporate bonds 59,284 36 (2,722) 56,598 Total $ 193,460 $ 50 $ (19,210) $ 174,300 Investment securities held to maturity (HTM): September 30, 2022 GROSS GROSS UNREALIZED UNREALIZED FAIR COST BASIS GAINS LOSSES VALUE (IN THOUSANDS) U.S. Agency $ 2,500 $ — $ (439) $ 2,061 U.S. Agency mortgage-backed securities 19,354 11 (2,343) 17,022 Municipal 34,206 6 (3,818) 30,394 Corporate bonds and other securities 6,507 — (196) 6,311 Total $ 62,567 $ 17 $ (6,796) $ 55,788 Investment securities available for sale (AFS): December 31, 2021 GROSS GROSS UNREALIZED UNREALIZED FAIR COST BASIS GAINS LOSSES VALUE (IN THOUSANDS) U.S. Agency $ 7,371 $ 86 $ (70) $ 7,387 U.S. Agency mortgage-backed securities 80,136 1,202 (1,171) 80,167 Municipal 20,066 851 (25) 20,892 Corporate bonds 53,843 1,028 (146) 54,725 Total $ 161,416 $ 3,167 $ (1,412) $ 163,171 Investment securities held to maturity (HTM): December 31, 2021 GROSS GROSS UNREALIZED UNREALIZED FAIR COST BASIS GAINS LOSSES VALUE (IN THOUSANDS) U.S. Agency $ 2,500 $ — $ (11) $ 2,489 U.S. Agency mortgage-backed securities 10,556 203 (115) 10,644 Municipal 33,188 1,734 (103) 34,819 Corporate bonds and other securities 7,507 64 (7) 7,564 Total $ 53,751 $ 2,001 $ (236) $ 55,516
Schedule of investments with unrealized losses	The following tables present information concerning investments with unrealized losses as of September 30, 2022 and December 31, 2021 (in thousands): Total investment securities: September 30, 2022 LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED VALUE LOSSES VALUE LOSSES VALUE LOSSES U.S. Agency $ 5,917 $ (432) $ 6,181 $ (1,319) $ 12,098 $ (1,751) U.S. Agency mortgage-backed securities 65,965 (6,084) 37,261 (9,636) 103,226 (15,720) Municipal 43,069 (4,327) 5,796 (1,290) 48,865 (5,617) Corporate bonds and other securities 46,988 (2,416) 5,898 (502) 52,886 (2,918) Total $ 161,939 $ (13,259) $ 55,136 $ (12,747) $ 217,075 $ (26,006) Total investment securities: December 31, 2021 LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED VALUE LOSSES VALUE LOSSES VALUE LOSSES U.S. Agency $ 7,419 $ (81) $ — $ — $ 7,419 $ (81) U.S. Agency mortgage-backed securities 45,422 (972) 6,691 (314) 52,113 (1,286) Municipal 7,832 (128) — — 7,832 (128) Corporate bonds and other securities 14,558 (92) 2,439 (61) 16,997 (153) Total $ 75,231 $ (1,273) $ 9,130 $ (375) $ 84,361 $ (1,648)
Schedule of investment securities	September 30, 2022 Available for sale Held to maturity Cost Basis Fair Value Cost Basis Fair Value Within 1 year $ 7,265 $ 7,234 $ 2,200 $ 2,132 After 1 year but within 5 years 40,696 39,101 12,136 11,620 After 5 years but within 10 years 49,071 44,735 24,434 21,526 Over 10 years 96,428 83,230 23,797 20,510 Total $ 193,460 $ 174,300 $ 62,567 $ 55,788

Loans (Tables)

Loans (Tables)	9 Months Ended
Loans (Tables)	Sep. 30, 2022
Loans
Schedule of loan portfolio	The loan portfolio of the Company consists of the following (in thousands): September 30, 2022 December 31, 2021 Commercial: Commercial and industrial $ 128,116 $ 134,182 Paycheck Protection Program (PPP) 24 17,311 Commercial loans secured by owner occupied real estate (1) 80,247 99,644 Commercial loans secured by non-owner occupied real estate (1) 459,943 430,825 Real estate − residential mortgage (1) 297,384 287,996 Consumer 13,736 15,096 Loans, net of unearned income $ 979,450 $ 985,054 (1) Real estate construction loans constituted 4.5% and 5.6% of the Company’s total loans, net of unearned income as of September 30, 2022 and December 31, 2021, respectively.
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 September 30, 2022 and December 31, 2021 (in thousands). September 30, 2022 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 $ 5 $ — $ — $ 8,778 $ 8,783 Multifamily/apartments/student housing — — 267 82,181 82,448 Office 37,622 — 8,059 24,081 69,762 Retail 7,030 — 17,348 154,010 178,388 Industrial/manufacturing/warehouse 64,321 — 11,442 77,368 153,131 Hotels — — — 41,162 41,162 Eating and drinking places 303 24 4,656 1,363 6,346 Personal care 959 — — 2,666 3,625 Amusement and recreation 77 — 3,819 3 3,899 Mixed use — — 4,181 49,833 54,014 Other 17,799 — 30,475 18,498 66,772 Total $ 128,116 $ 24 $ 80,247 $ 459,943 $ 668,330 December 31, 2021 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 $ 1,246 $ — $ 96 $ 8,565 $ 9,907 Multifamily/apartments/student housing — — 245 73,912 74,157 Office 37,386 203 8,644 28,500 74,733 Retail 7,253 444 20,439 148,668 176,804 Industrial/manufacturing/warehouse 74,508 5,940 21,468 44,316 146,232 Hotels 154 1,764 — 42,425 44,343 Eating and drinking places 484 6,591 4,537 1,752 13,364 Personal care 1,197 173 — 4,315 5,685 Amusement and recreation 92 53 5,402 12 5,559 Mixed use — — 4,031 62,088 66,119 Other 11,862 2,143 34,782 16,272 65,059 Total $ 134,182 $ 17,311 $ 99,644 $ 430,825 $ 681,962

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	9 Months Ended
Allowance for Loan Losses (Tables)	Sep. 30, 2022
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 nine month periods ending September 30, 2022 and 2021 (in thousands). Three months ended September 30, 2022 Balance at Charge- Provision Balance at June 30, 2022 Offs Recoveries (Credit) September 30, 2022 Commercial $ 3,158 $ — $ 4 $ (406) $ 2,756 Commercial loans secured by non-owner occupied real estate 5,716 (1,390) 13 1,093 5,432 Real estate-residential mortgage 1,473 (9) 2 (89) 1,377 Consumer 102 (24) 8 1 87 Allocation for general risk 1,119 — — (99) 1,020 Total $ 11,568 $ (1,423) $ 27 $ 500 $ 10,672 Three months ended September 30, 2021 Balance at Charge- Provision Balance at June 30, 2021 Offs Recoveries (Credit) September 30, 2021 Commercial $ 3,534 $ — $ 35 $ (445) $ 3,124 Commercial loans secured by non-owner occupied real estate 5,535 — 13 670 6,218 Real estate-residential mortgage 1,388 — 8 61 1,457 Consumer 123 (50) 16 28 117 Allocation for general risk 1,172 — — 36 1,208 Total $ 11,752 $ (50) $ 72 $ 350 $ 12,124 Nine months ended September 30, 2022 Balance at Charge- Provision Balance at December 31, 2021 Offs Recoveries (Credit) September 30, 2022 Commercial $ 3,071 $ (72) $ 4 $ (247) $ 2,756 Commercial loans secured by non-owner occupied real estate 6,392 (1,390) 39 391 5,432 Real estate-residential mortgage 1,590 (32) 14 (195) 1,377 Consumer 113 (110) 46 38 87 Allocation for general risk 1,232 — — (212) 1,020 Total $ 12,398 $ (1,604) $ 103 $ (225) $ 10,672 Nine months ended September 30, 2021 Balance at Charge- Provision Balance at December 31, 2020 Offs Recoveries (Credit) September 30, 2021 Commercial $ 3,472 $ (147) $ 52 $ (253) $ 3,124 Commercial loans secured by non-owner occupied real estate 5,373 — 37 808 6,218 Real estate-residential mortgage 1,292 (17) 42 140 1,457 Consumer 115 (85) 47 40 117 Allocation for general risk 1,093 — — 115 1,208 Total $ 11,345 $ (249) $ 178 $ 850 $ 12,124
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 September 30, 2022 Commercial Loans Secured by Non-Owner Real Estate- Occupied Residential Allocation for Commercial Real Estate Mortgage Consumer General Risk Total Loans: Individually evaluated for impairment $ 2,045 $ 1,623 $ — $ — $ 3,668 Collectively evaluated for impairment 206,342 458,320 297,384 13,736 975,782 Total loans $ 208,387 $ 459,943 $ 297,384 $ 13,736 $ 979,450 Allowance for loan losses: Specific reserve allocation $ 567 $ 3 $ — $ — $ — $ 570 General reserve allocation 2,189 5,429 1,377 87 1,020 10,102 Total allowance for loan losses $ 2,756 $ 5,432 $ 1,377 $ 87 $ 1,020 $ 10,672 At December 31, 2021 Commercial Loans Secured by Non-Owner Real Estate- Occupied Residential Allocation for Commercial Real Estate Mortgage Consumer General Risk Total Loans: Individually evaluated for impairment $ 2,165 $ 5 $ — $ — $ 2,170 Collectively evaluated for impairment 248,972 430,820 287,996 15,096 982,884 Total loans $ 251,137 $ 430,825 $ 287,996 $ 15,096 $ 985,054 Allowance for loan losses: Specific reserve allocation $ 628 $ 5 $ — $ — $ — $ 633 General reserve allocation 2,443 6,387 1,590 113 1,232 11,765 Total allowance for loan losses $ 3,071 $ 6,392 $ 1,590 $ 113 $ 1,232 $ 12,398
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. At September 30, 2022 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 (IN THOUSANDS) Commercial $ 2,045 $ 567 $ — $ 2,045 $ 2,251 Commercial loans secured by non-owner occupied real estate 3 3 1,620 1,623 1,645 Total impaired loans $ 2,048 $ 570 $ 1,620 $ 3,668 $ 3,896 At December 31, 2021 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 (IN THOUSANDS) Commercial $ 2,165 $ 628 $ — $ 2,165 $ 2,260 Commercial loans secured by non-owner occupied real estate 5 5 — 5 27 Total impaired loans $ 2,170 $ 633 $ — $ 2,170 $ 2,287
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 Nine months ended September 30, September 30, 2022 2021 2022 2021 Average impaired balance: Commercial $ 2,066 $ 2,233 $ 2,106 $ 1,972 Commercial loans secured by non-owner occupied real estate 814 7 410 7 Average investment in impaired loans $ 2,880 $ 2,240 $ 2,516 $ 1,979 Interest income recognized: Commercial $ — $ 3 $ — $ 15 Commercial loans secured by non-owner occupied real estate — — — — Interest income recognized on a cash basis on impaired loans $ — $ 3 $ — $ 15
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. At September 30, 2022 SPECIAL PASS MENTION SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial and industrial $ 122,959 $ — $ 5,157 $ — $ 128,116 Paycheck Protection Program (PPP) 24 — — — 24 Commercial loans secured by owner occupied real estate 79,257 — 990 — 80,247 Commercial loans secured by non-owner occupied real estate 436,874 13,801 9,265 3 459,943 Total $ 639,114 $ 13,801 $ 15,412 $ 3 $ 668,330 At December 31, 2021 SPECIAL PASS MENTION SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial and industrial $ 125,079 $ 6,722 $ 738 $ 1,643 $ 134,182 Paycheck Protection Program (PPP) 17,311 — — — 17,311 Commercial loans secured by owner occupied real estate 98,271 297 1,076 — 99,644 Commercial loans secured by non-owner occupied real estate 399,104 19,322 12,394 5 430,825 Total $ 639,765 $ 26,341 $ 14,208 $ 1,648 $ 681,962
Schedule of Residential and consumer portfolio	The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolio classes. At September 30, 2022 NON- PERFORMING PERFORMING TOTAL (IN THOUSANDS) Real estate – residential mortgage $ 296,495 $ 889 $ 297,384 Consumer 13,736 — 13,736 Total $ 310,231 $ 889 $ 311,120 At December 31, 2021 NON- PERFORMING PERFORMING TOTAL (IN THOUSANDS) Real estate – residential mortgage $ 286,843 $ 1,153 $ 287,996 Consumer 15,096 — 15,096 Total $ 301,939 $ 1,153 $ 303,092
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. At September 30, 2022 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 (IN THOUSANDS) Commercial and industrial $ 127,634 $ 402 $ 80 $ — $ 482 $ 128,116 $ — Paycheck Protection Program (PPP) 24 — — — — 24 — Commercial loans secured by owner occupied real estate 80,247 — — — — 80,247 — Commercial loans secured by non-owner occupied real estate 459,943 — — — — 459,943 — Real estate – residential mortgage 294,977 584 995 828 2,407 297,384 — Consumer 13,441 289 6 — 295 13,736 — Total $ 976,266 $ 1,275 $ 1,081 $ 828 $ 3,184 $ 979,450 $ — At December 31, 2021 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 (IN THOUSANDS) Commercial and industrial $ 133,918 $ 14 $ 250 $ — $ 264 $ 134,182 $ — Paycheck Protection Program (PPP) 17,311 — — — — 17,311 — Commercial loans secured by owner occupied real estate 99,454 — 190 — 190 99,644 — Commercial loans secured by non-owner occupied real estate 428,790 2,035 — — 2,035 430,825 — Real estate – residential mortgage 283,178 2,449 1,240 1,129 4,818 287,996 — Consumer 14,938 151 7 — 158 15,096 — Total $ 977,589 $ 4,649 $ 1,687 $ 1,129 $ 7,465 $ 985,054 $ —

Non-Performing Assets Includi_2

Non-Performing Assets Including Troubled Debt Restructurings (TDR) (Tables)	9 Months Ended
	Sep. 30, 2022
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): September 30, 2022 December 31, 2021 Non-accrual loans: Commercial and industrial $ 2,045 $ 2,165 Commercial loans secured by non-owner occupied real estate 1,623 5 Real estate – residential mortgage 889 1,153 Total 4,557 3,323 Other real estate owned and repossessed assets: Real estate – residential mortgage 38 — Consumer 1 — Total 39 — Total non-performing assets including TDR $ 4,596 $ 3,323 Total non-performing assets as a percent of loans, net of unearned income, other real estate owned and repossessed assets 0.47 % 0.34 %
Schedule of troubled debt restructurings on financing receivables	The following table details the loan modified as a TDR during the three-month period ended September 30, 2022 (dollars in thousands). Loans in non-accrual status # of Loans Current Balance Concession Granted Commercial loans secured by non-owner occupied real estate 1 $ 1,620 Extension of maturity date with an interest only period at below market interest rate The following table details the loans modified as TDRs during the nine-month period ended September 30, 2022 (dollars in thousands). Loans in non-accrual status # of Loans Current Balance Concession Granted Commercial and industrial 1 $ 458 Subsequent modification of a TDR - Extension of maturity date with a below market interest rate Commercial loans secured by non-owner occupied real estate 1 $ 1,620 Extension of maturity date with an interest only period at below market interest rate The Company had no loans modified as TDRs during the three-month period ended September 30, 2021. The following table details the loan modified as a TDR during the nine-month period ended September 30, 2021 (dollars in thousands). Loans in non-accrual status # of Loans Current Balance Concession Granted Commercial and industrial 1 $ 480 Subsequent modification of a TDR - Extension of maturity date with a below market interest rate
Summary of loans for which payment relief has been requested related to COVID-19	At September 30, 2022 At December 31, 2021 % of Outstanding % of Outstanding Balance Non-PPP Loans Balance Non-PPP Loans (in thousands) (in thousands) CRE/Commercial $ 3,919 0.6 % $ 7,488 1.1 % Home Equity/Consumer — — 57 0.1 Residential Mortgage 248 0.1 203 0.1 Total $ 4,167 0.4 $ 7,748 0.8
Summary of deferral of principal and interest payments	At September 30, 2022 At December 31, 2021 Number of Loans Balance Number of Loans Balance (in thousands) (in thousands) Type of Payment Relief Interest only payments 2 $ 3,919 6 $ 3,768 Complete payment deferrals 2 248 5 3,980 Total 4 $ 4,167 11 $ 7,748

Short-Term Borrowings and Adv_2

Short-Term Borrowings and Advances from Federal Home Loan Bank (Tables)	9 Months Ended
	Sep. 30, 2022
Short-Term Borrowings and Advances from Federal Home Loan Bank
Schedule of federal home loan bank borrowings	Total short-term and Federal Home Loan Bank (FHLB) borrowings and advances consist of the following (in thousands, except percentages): At September 30, 2022 Weighted Type Maturing Amount Average Rate Open Repo Plus Overnight $ 26,274 3.11 % FHLB Advances 2022 8,757 1.79 2023 15,568 1.59 2024 4,197 1.19 Total FHLB advances 28,522 1.59 Total short-term and FHLB borrowings $ 54,796 2.32 % At December 31, 2021 Weighted Type Maturing Amount Average Rate Open Repo Plus Overnight $ — — % FHLB Advances 2022 22,888 1.88 2023 15,568 1.59 2024 4,197 1.19 Total FHLB advances 42,653 1.71 Total short-term and FHLB borrowings $ 42,653 1.71 %

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	9 Months Ended
Accumulated Other Comprehensive Loss (Tables)	Sep. 30, 2022
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 nine months ended September 30, 2022 and 2021 (in thousands): Three months ended September 30, 2022 Three months ended September 30, 2021 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 $ (8,766) $ (11,467) $ (20,233) $ 2,863 $ (12,180) $ (9,317) Other comprehensive income (loss) before reclassifications (6,370) (498) (6,868) (466) 1,219 753 Amounts reclassified from accumulated other comprehensive loss — 451 451 — 694 694 Net current period other comprehensive income (loss) (6,370) (47) (6,417) (466) 1,913 1,447 Ending balance $ (15,136) $ (11,514) $ (26,650) $ 2,397 $ (10,267) $ (7,870) (1) Amounts in parentheses indicate debits on the Consolidated Balance Sheets. Nine months ended September 30, 2022 Nine months ended September 30, 2021 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 $ 1,386 $ (7,898) $ (6,512) $ 3,539 $ (16,737) $ (13,198) Other comprehensive income (loss) before reclassifications (16,522) (5,408) (21,930) (1,076) 4,140 3,064 Amounts reclassified from accumulated other comprehensive loss — 1,792 1,792 (66) 2,330 2,264 Net current period other comprehensive income (loss) (16,522) (3,616) (20,138) (1,142) 6,470 5,328 Ending balance $ (15,136) $ (11,514) $ (26,650) $ 2,397 $ (10,267) $ (7,870) (1) 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 nine months ended September 30, 2022 and 2021 (in thousands): Amount reclassified from accumulated other comprehensive loss (1) For the three For the three Details about accumulated other months ended months ended Affected line item in the comprehensive loss components September 30, 2022 September 30, 2021 statement of operations Amortization of estimated defined benefit pension plan loss (2) $ 571 $ 879 Other expense (120) (185) Provision for income taxes $ 451 $ 694 Total reclassifications for the period $ 451 $ 694 (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 17 for additional details). Amount reclassified from accumulated other comprehensive loss (1) For the nine For the nine Details about accumulated other months ended months ended Affected line item in the comprehensive loss components September 30, 2022 September 30, 2021 statement of operations Realized gains on sale of securities $ — $ (84) Net realized gains on investment securities — 18 Provision for income taxes $ — $ (66) Amortization of estimated defined benefit pension plan loss (2) $ 2,268 $ 2,949 Other expense (476) (619) Provision for income taxes $ 1,792 $ 2,330 Total reclassifications for the period $ 1,792 $ 2,264 (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 17 for additional details).

Regulatory Capital (Tables)

Regulatory Capital (Tables)	9 Months Ended
Regulatory Capital (Tables)	Sep. 30, 2022
Regulatory Capital
Schedule of compliance with regulatory capital requirements under banking regulations	At September 30, 2022 TO BE WELL MINIMUM CAPITALIZED REQUIRED UNDER FOR PROMPT CAPITAL CORRECTIVE ADEQUACY ACTION COMPANY BANK PURPOSES REGULATIONS* AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 152,571 13.92 % $ 136,390 12.49 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) 114,491 10.44 124,944 11.45 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 114,491 10.44 124,944 11.45 6.00 8.00 Tier 1 Capital (To Average Assets) 114,491 8.56 124,944 9.44 4.00 5.00 At December 31, 2021 TO BE WELL MINIMUM CAPITALIZED REQUIRED UNDER FOR PROMPT CAPITAL CORRECTIVE ADEQUACY ACTION COMPANY BANK PURPOSES REGULATIONS* AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 149,177 14.04 % $ 133,881 12.66 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) 109,292 10.29 120,656 11.41 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 109,292 10.29 120,656 11.41 6.00 8.00 Tier 1 Capital (To Average Assets) 109,292 8.17 120,656 9.12 4.00 5.00 * Applies to the Bank only.

Derivative Hedging Instruments

Derivative Hedging Instruments (Tables)	9 Months Ended
Derivative Hedging Instruments (Tables)	Sep. 30, 2022
Derivative Hedging Instruments
Schedule of interest rate swap transactions	The following table summarizes the interest rate swap transactions that impacted the Company’s first nine months of 2022 and 2021 performance (in thousands, except percentages). At September 30, 2022 INCREASE AGGREGATE WEIGHTED (DECREASE) NOTIONAL AVERAGE RATE REPRICING IN INTEREST HEDGE TYPE AMOUNT RECEIVED/(PAID) FREQUENCY EXPENSE Swap assets N/A $ 64,624 3.54 % Monthly $ (306) Swap liabilities N/A (64,624) (3.54) Monthly 306 Net exposure — — — At September 30, 2021 INCREASE AGGREGATE WEIGHTED (DECREASE) NOTIONAL AVERAGE RATE REPRICING IN INTEREST HEDGE TYPE AMOUNT RECEIVED/(PAID) FREQUENCY EXPENSE Swap assets N/A $ 55,061 2.59 % Monthly $ (602) Swap liabilities N/A (55,061) (2.59) Monthly 602 Net exposure — — —

Segment Results (Tables)

Segment Results (Tables)	9 Months Ended
Segment Results (Tables)	Sep. 30, 2022
Segment Results
Schedule of business segments	The contribution of the major business segments to the Consolidated Statements of Operations for the three and nine months ended September 30, 2022 and 2021 were as follows (in thousands): Three months ended Nine months ended September 30, 2022 September 30, 2022 Total revenue Net income (loss) Total revenue Net income (loss) Community banking $ 13,341 $ 3,359 $ 37,912 $ 9,493 Wealth management 2,827 425 9,006 1,658 Investment/Parent (1,313) (1,682) (3,699) (4,650) Total $ 14,855 $ 2,102 $ 43,219 $ 6,501 Three months ended Nine months ended September 30, 2021 September 30, 2021 Total revenue Net income (loss) Total revenue Net income (loss) Community banking $ 12,515 $ 2,801 $ 38,605 $ 9,059 Wealth management 3,154 831 9,082 2,227 Investment/Parent (2,027) (2,201) (5,473) (6,066) Total $ 13,642 $ 1,431 $ 42,214 $ 5,220

Pension Benefits (Tables)

Pension Benefits (Tables)	9 Months Ended
Pension Benefits (Tables)	Sep. 30, 2022
Pension Benefits
Schedule of net periodic pension cost	The net periodic pension cost for the three and nine months ended September 30, 2022 and 2021 were as follows (in thousands): Three months ended Nine months ended September 30, September 30, 2022 2021 2022 2021 COMPONENTS OF NET PERIODIC BENEFIT COST: Service cost $ 358 $ 429 $ 1,073 $ 1,287 Interest cost 365 221 1,094 664 Expected return on plan assets (1,052) (1,004) (3,156) (3,012) Amortization of net loss 341 610 1,024 1,829 Settlement charge 230 269 1,244 1,120 Net periodic pension cost $ 242 $ 525 $ 1,279 $ 1,888

Disclosures about Fair Value _2

Disclosures about Fair Value Measurements and Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2022
Disclosures about Fair Value Measurements and Financial Instruments
Schedule of assets and liabilities measured and recorded at fair value on a recurring basis	The following table presents the assets and liabilities measured and reported on the Consolidated Balance Sheets on a recurring basis at their fair value as of September 30, 2022 and December 31, 2021, by level within the fair value hierarchy (in thousands). Fair Value Measurements at September 30, 2022 TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Equity securities $ 491 $ 491 $ — $ — Available for sale securities: U.S. Agency 10,037 — 10,037 — U.S. Agency mortgage-backed securities 88,026 — 88,026 — Municipal 19,639 — 19,639 — Corporate bonds 56,598 — 56,598 — Interest rate swap asset 7,518 — 7,518 — Interest rate swap liability (7,367) — (7,367) — Risk participation agreement — — — — Fair Value Measurements at December 31, 2021 TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Equity securities $ 526 $ 526 $ — $ — Available for sale securities: U.S. Agency 7,387 — 7,387 — U.S. Agency mortgage-backed securities 80,167 — 80,167 — Municipal 20,892 — 20,892 — Corporate bonds 54,725 — 54,725 — Interest rate swap asset 1,226 — 1,226 — Interest rate swap liability (1,226) — (1,226) — Risk participation agreement — — — — (1) Included within other assets on the Consolidated Balance Sheets. (2) Included within other liabilities on the Consolidated Balance Sheets.
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 September 30, 2022 TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Impaired loans $ 1,620 $ — $ — $ 1,620 Other real estate owned and repossessed assets 39 — — 39 Fair Value Measurements December 31, 2021 TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Impaired loans $ — $ — $ — $ — Quantitative Information About Level 3 Fair Value Measurements Valuation Unobservable September 30, 2022 Fair Value Techniques Input Range (Wgtd Avg) Impaired loans $ 1,620 Appraisal of Appraisal 0% to 100% ( 0% ) collateral adjustments Other real estate owned and repossessed assets 39 Appraisal of Appraisal 52% ( 52% ) collateral adjustments Liquidation 10% to 39% ( 11% ) expenses Quantitative Information About Level 3 Fair Value Measurements Valuation Unobservable December 31, 2021 Fair Value Techniques Input Range (Wgtd Avg) Impaired loans $ — Appraisal of Appraisal 100% (100%) collateral adjustments (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	September 30, 2022 Carrying Value Fair Value (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Investment securities – HTM $ 62,567 $ 55,788 $ — $ 52,936 $ 2,852 Loans, net of allowance for loan loss and unearned income 968,778 910,169 — — 910,169 FINANCIAL LIABILITIES: Deposits with stated maturities 283,640 279,204 — — 279,204 All other borrowings (1) 55,156 52,845 — — 52,845 December 31, 2021 Carrying Value Fair Value (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Investment securities – HTM $ 53,751 $ 55,516 $ — $ 52,523 $ 2,993 Loans held for sale 983 1,022 1,022 — — Loans, net of allowance for loan loss and unearned income 972,656 969,681 — — 969,681 FINANCIAL LIABILITIES: Deposits with stated maturities 292,325 294,280 — — 294,280 All other borrowings (1) 69,256 69,506 — — 69,506 (1) All other borrowings include advances from Federal Home Loan Bank and subordinated debt.

Principles of Consolidation (De

Principles of Consolidation (Details) $ in Billions	9 Months Ended
Principles of Consolidation (Details) $ in Billions	Sep. 30, 2022 USD ($) location	Dec. 31, 2021 USD ($)
Principles of Consolidation
Number of locations in Pennsylvania	16
Number of locations in state Maryland	1
Assets under Management, Carrying Amount \| $	$ 2.3	$ 2.7

RECENT ACCOUNTING PRONOUNCEME_2

RECENT ACCOUNTING PRONOUNCEMENTS (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Allowance for loan losses	$ 10,672	$ 11,568	$ 12,398	$ 12,124	$ 11,752	$ 11,345
ASU 2016-13 \| Maximum
Allowance for loan losses	13,000
ASU 2016-13 \| Minimum
Allowance for loan losses	$ 11,000

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Revenue Recognition (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Non-interest income (in-scope of Topic 606)	$ 3,640	$ 3,945	$ 11,299	$ 11,226
Non-interest income (out-of-scope of topic 606)	686	471	1,500	2,203
Total Non-Interest Income	4,326	4,416	12,799	13,429
Wealth management fees.
Non-interest income (in-scope of Topic 606)	2,813	3,137	8,954	9,031
Service charges on deposit accounts
Non-interest income (in-scope of Topic 606)	289	260	824	685
Other
Non-interest income (in-scope of Topic 606)	$ 538	$ 548	$ 1,521	$ 1,510

Revenue Recognition - Additiona

Revenue Recognition - Additional information (Details)	9 Months Ended
Revenue Recognition - Additional information (Details)	Sep. 30, 2022 USD ($)
Percentage Of Entity Revenue	76.50%
Other assets.
Wealth management fees receivable	$ 850,000

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Numerator:
Net income	$ 2,102	$ 1,431	$ 6,501	$ 5,220
Denominator:
Weighted average common shares outstanding (basic)	17,111	17,075	17,105	17,071
Effect of stock options	34	39	41	43
Weighted average common shares outstanding (diluted)	17,145	17,114	17,146	17,114
Earnings per common share:
Basic	$ 0.12	$ 0.08	$ 0.38	$ 0.31
Diluted	$ 0.12	$ 0.08	$ 0.38	$ 0.31

Earnings Per Common Share - Add

Earnings Per Common Share - Additional information (Details) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	22,000	22,000	12,000	22,000
Maximum
Exercise price	$ 4.22	$ 4.22	$ 4.22	$ 4.22
Minimum
Exercise price	$ 4	$ 4	$ 4.19	$ 4

Consolidated Statement of Cas_2

Consolidated Statement of Cash Flows - Additional information (Details) - USD ($)	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Income tax payments	$ 950,000	$ 200,000
Total interest payments	5,407,000	6,898,000
Non-cash transfers to other real estate owned	53,000	$ 8,000
Operating lease right-of-use asset	645,000		$ 667,000
Operating lease liabilities	658,000		$ 682,000
Operating lease relating to office location
Operating lease right-of-use asset	45,000
Operating lease liabilities	$ 45,000

Investment Securities - Cost ba

Investment Securities - Cost basis and fair values of investment securities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Information concerning investments with unrealized gains and losses
Investment securities available for sale, Cost Basis	$ 193,460	$ 161,416
Investment securities available for sale, Gross Unrealized Gains	50	3,167
Investment securities available for sale, Gross Unrealized Losses	(19,210)	(1,412)
Available for Sale, Fair Value, Total	174,300	163,171
Investment securities held to maturity, Cost Basis	62,567	53,751
Investment securities held to maturity, Gross Unrealized Gains	17	2,001
Investment securities held to maturity, Gross Unrealized Losses	(6,796)	(236)
Held to Maturity, Fair Value, Total	55,788	55,516
U.S. Agency
Information concerning investments with unrealized gains and losses
Investment securities available for sale, Cost Basis	11,349	7,371
Investment securities available for sale, Gross Unrealized Gains		86
Investment securities available for sale, Gross Unrealized Losses	(1,312)	(70)
Available for Sale, Fair Value, Total	10,037	7,387
Investment securities held to maturity, Cost Basis	2,500	2,500
Investment securities held to maturity, Gross Unrealized Losses	(439)	(11)
Held to Maturity, Fair Value, Total	2,061	2,489
U.S. Agency mortgage-backed securities
Information concerning investments with unrealized gains and losses
Investment securities available for sale, Cost Basis	101,389	80,136
Investment securities available for sale, Gross Unrealized Gains	14	1,202
Investment securities available for sale, Gross Unrealized Losses	(13,377)	(1,171)
Available for Sale, Fair Value, Total	88,026	80,167
Investment securities held to maturity, Cost Basis	19,354	10,556
Investment securities held to maturity, Gross Unrealized Gains	11	203
Investment securities held to maturity, Gross Unrealized Losses	(2,343)	(115)
Held to Maturity, Fair Value, Total	17,022	10,644
Municipal
Information concerning investments with unrealized gains and losses
Investment securities available for sale, Cost Basis	21,438	20,066
Investment securities available for sale, Gross Unrealized Gains		851
Investment securities available for sale, Gross Unrealized Losses	(1,799)	(25)
Available for Sale, Fair Value, Total	19,639	20,892
Investment securities held to maturity, Cost Basis	34,206	33,188
Investment securities held to maturity, Gross Unrealized Gains	6	1,734
Investment securities held to maturity, Gross Unrealized Losses	(3,818)	(103)
Held to Maturity, Fair Value, Total	30,394	34,819
Corporate bonds.
Information concerning investments with unrealized gains and losses
Investment securities available for sale, Cost Basis	59,284	53,843
Investment securities available for sale, Gross Unrealized Gains	36	1,028
Investment securities available for sale, Gross Unrealized Losses	(2,722)	(146)
Available for Sale, Fair Value, Total	56,598	54,725
Corporate bonds and other securities
Information concerning investments with unrealized gains and losses
Investment securities held to maturity, Cost Basis	6,507	7,507
Investment securities held to maturity, Gross Unrealized Gains		64
Investment securities held to maturity, Gross Unrealized Losses	(196)	(7)
Held to Maturity, Fair Value, Total	$ 6,311	$ 7,564

Investment Securities - Informa

Investment Securities - Information concerning investments with unrealized losses (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Less than 12 months, Fair Value	$ 161,939	$ 75,231
Less than 12 months, Unrealized Losses	(13,259)	(1,273)
12 months or longer, Fair Value	55,136	9,130
12 months and longer, Unrealized Losses	(12,747)	(375)
Total, Fair Value	217,075	84,361
Total, Unrealized Losses	(26,006)	(1,648)
U.S. Agency
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Less than 12 months, Fair Value	5,917	7,419
Less than 12 months, Unrealized Losses	(432)	(81)
12 months or longer, Fair Value	6,181
12 months and longer, Unrealized Losses	(1,319)
Total, Fair Value	12,098	7,419
Total, Unrealized Losses	(1,751)	(81)
U.S. Agency mortgage-backed securities
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Less than 12 months, Fair Value	65,965	45,422
Less than 12 months, Unrealized Losses	(6,084)	(972)
12 months or longer, Fair Value	37,261	6,691
12 months and longer, Unrealized Losses	(9,636)	(314)
Total, Fair Value	103,226	52,113
Total, Unrealized Losses	(15,720)	(1,286)
Municipal
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Less than 12 months, Fair Value	43,069	7,832
Less than 12 months, Unrealized Losses	(4,327)	(128)
12 months or longer, Fair Value	5,796
12 months and longer, Unrealized Losses	(1,290)
Total, Fair Value	48,865	7,832
Total, Unrealized Losses	(5,617)	(128)
Corporate bonds and other securities
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Less than 12 months, Fair Value	46,988	14,558
Less than 12 months, Unrealized Losses	(2,416)	(92)
12 months or longer, Fair Value	5,898	2,439
12 months and longer, Unrealized Losses	(502)	(61)
Total, Fair Value	52,886	16,997
Total, Unrealized Losses	$ (2,918)	$ (153)

Investment Securities - Total i

Investment Securities - Total investment securities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Contractual maturities of securities
Available for Sale, Cost Basis, Within 1 year	$ 7,265
Available for Sale, Cost Basis, After 1 year but within 5 years	40,696
Available for Sale, Cost Basis, After 5 years but within 10 years	49,071
Available for Sale, Cost Basis, Over 10 years	96,428
Available for Sale, Cost Basis, Total	193,460	$ 161,416
Available for Sale, Fair Value, Within 1 year	7,234
Available for Sale, Fair Value, After 1 year but within 5 years	39,101
Available for Sale, Fair Value, After 5 years but within 10 years	44,735
Available for Sale, Fair Value, Over 10 years	83,230
Available for Sale, Fair Value, Total	174,300	163,171
Held to Maturity, Cost Basis, Within 1 year	2,200
Held to Maturity, Cost Basis, After 1 year but within 5 years	12,136
Held to Maturity, Cost Basis, After 5 years but within 10 years	24,434
Held to Maturity, Cost Basis, Over 10 years	23,797
Held to Maturity, Cost Basis, Total	62,567	53,751
Held to Maturity, Fair Value, Within 1 year	2,132
Held to Maturity, Fair Value, After 1 year but within 5 years	11,620
Held to Maturity, Fair Value, After 5 years but within 10 years	21,526
Held to Maturity, Fair Value, Over 10 years	20,510
Held to Maturity, Fair Value, Total	$ 55,788	$ 55,516

Investment Securities - Additio

Investment Securities - Additional information (Details)	3 Months Ended		9 Months Ended		12 Months Ended
Investment Securities - Additional information (Details)	Sep. 30, 2022 USD ($) position	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) position	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
INVESTMENT SECURITIES
Gross investment losses	$ 5,000		$ 5,000
Investment Securities:
Proceeds from sales of investment securities - available for sale	1,500,000	$ 0	1,519,000	$ 960,000
Gross investment gains	5,000		5,000	$ 84,000
Gross investment losses	5,000		5,000
Book value of securities available for sale and held to maturity	$ 129,517,000		$ 129,517,000		$ 122,574,000
Number of positions \| position	423		423
Premium percentage on mortgage backed securities purchased			100.90%
Consolidated investment securities portfolio modified, years			58 months 6 days		41 months 15 days
Standard & Poor's, AAA Rating
INVESTMENT SECURITIES
Portfolio rated	52.90%		52.90%		47.10%
Securities rated below A
INVESTMENT SECURITIES
Portfolio rated	13.90%		13.90%		14.70%
Maximum
Investment Securities:
Consolidated investment securities portfolio modified, years			60 months

Loans - Loan Portfolio (Details

Loans - Loan Portfolio (Details) - USD ($)	Sep. 30, 2022	Dec. 31, 2021
LOANS
Loans, net of unearned income	$ 979,450,000	$ 985,054,000
Paycheck Protection Program (PPP)
LOANS
Loans, net of unearned income	24,000	17,311,000
Commercial and Industrial
LOANS
Loans, net of unearned income	128,116,000	134,182,000
Paycheck Protection Program (PPP)
LOANS
Loans, net of unearned income	24,000	17,311,000
Commercial loans secured by owner occupied real estate
LOANS
Loans, net of unearned income	80,247,000	99,644,000
Commercial loans secured by Non-Owner Occupied real estate
LOANS
Loans, net of unearned income	459,943,000	430,825,000
Real estate - residential mortgage
LOANS
Loans, net of unearned income	297,384,000	287,996,000
CONSUMER
LOANS
Loans, net of unearned income	13,736,000	15,096,000
Commercial
LOANS
Loans, net of unearned income	668,330,000	681,962,000
Commercial \| Commercial and Industrial
LOANS
Loans, net of unearned income	128,116,000	134,182,000
Commercial \| Paycheck Protection Program (PPP)
LOANS
Loans, net of unearned income	24,000	17,311,000
Commercial \| Commercial loans secured by owner occupied real estate
LOANS
Loans, net of unearned income	80,247,000	99,644,000
Commercial \| Commercial loans secured by Non-Owner Occupied real estate
LOANS
Loans, net of unearned income	459,943,000	430,825,000
Consumer.
LOANS
Loans, net of unearned income	311,120,000	303,092,000
Consumer. \| Real estate - residential mortgage
LOANS
Loans, net of unearned income	297,384,000	287,996,000
Consumer. \| CONSUMER
LOANS
Loans, net of unearned income	$ 13,736,000	$ 15,096,000

Loans - Commercial real estate

Loans - Commercial real estate loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
LOANS
Loans, net of unearned income	$ 979,450	$ 985,054
Commercial and Industrial
LOANS
Loans, net of unearned income	128,116	134,182
Commercial and Industrial \| 1-4 unit residential
LOANS
Loans, net of unearned income	5	1,246
Commercial and Industrial \| Office
LOANS
Loans, net of unearned income	37,622	37,386
Commercial and Industrial \| Retail
LOANS
Loans, net of unearned income	7,030	7,253
Commercial and Industrial \| Industrial/manufacturing/warehouse
LOANS
Loans, net of unearned income	64,321	74,508
Commercial and Industrial \| Hotels
LOANS
Loans, net of unearned income		154
Commercial and Industrial \| Eating and drinking places
LOANS
Loans, net of unearned income	303	484
Commercial and Industrial \| Personal care
LOANS
Loans, net of unearned income	959	1,197
Commercial and Industrial \| Amusement and recreation
LOANS
Loans, net of unearned income	77	92
Commercial and Industrial \| Other.
LOANS
Loans, net of unearned income	17,799	11,862
Paycheck Protection Program (PPP)
LOANS
Loans, net of unearned income	24	17,311
Paycheck Protection Program (PPP) \| Office
LOANS
Loans, net of unearned income		203
Paycheck Protection Program (PPP) \| Retail
LOANS
Loans, net of unearned income		444
Paycheck Protection Program (PPP) \| Industrial/manufacturing/warehouse
LOANS
Loans, net of unearned income		5,940
Paycheck Protection Program (PPP) \| Hotels
LOANS
Loans, net of unearned income		1,764
Paycheck Protection Program (PPP) \| Eating and drinking places
LOANS
Loans, net of unearned income	24	6,591
Paycheck Protection Program (PPP) \| Personal care
LOANS
Loans, net of unearned income		173
Paycheck Protection Program (PPP) \| Amusement and recreation
LOANS
Loans, net of unearned income		53
Paycheck Protection Program (PPP) \| Other.
LOANS
Loans, net of unearned income		2,143
Commercial loans secured by owner occupied real estate
LOANS
Loans, net of unearned income	80,247	99,644
Commercial loans secured by owner occupied real estate \| 1-4 unit residential
LOANS
Loans, net of unearned income		96
Commercial loans secured by owner occupied real estate \| Multifamily/apartments/student housing
LOANS
Loans, net of unearned income	267	245
Commercial loans secured by owner occupied real estate \| Office
LOANS
Loans, net of unearned income	8,059	8,644
Commercial loans secured by owner occupied real estate \| Retail
LOANS
Loans, net of unearned income	17,348	20,439
Commercial loans secured by owner occupied real estate \| Industrial/manufacturing/warehouse
LOANS
Loans, net of unearned income	11,442	21,468
Commercial loans secured by owner occupied real estate \| Eating and drinking places
LOANS
Loans, net of unearned income	4,656	4,537
Commercial loans secured by owner occupied real estate \| Amusement and recreation
LOANS
Loans, net of unearned income	3,819	5,402
Commercial loans secured by owner occupied real estate \| Mixed use
LOANS
Loans, net of unearned income	4,181	4,031
Commercial loans secured by owner occupied real estate \| Other.
LOANS
Loans, net of unearned income	30,475	34,782
Commercial loans secured by Non-Owner Occupied real estate
LOANS
Loans, net of unearned income	459,943	430,825
Commercial loans secured by Non-Owner Occupied real estate \| 1-4 unit residential
LOANS
Loans, net of unearned income	8,778	8,565
Commercial loans secured by Non-Owner Occupied real estate \| Multifamily/apartments/student housing
LOANS
Loans, net of unearned income	82,181	73,912
Commercial loans secured by Non-Owner Occupied real estate \| Office
LOANS
Loans, net of unearned income	24,081	28,500
Commercial loans secured by Non-Owner Occupied real estate \| Retail
LOANS
Loans, net of unearned income	154,010	148,668
Commercial loans secured by Non-Owner Occupied real estate \| Industrial/manufacturing/warehouse
LOANS
Loans, net of unearned income	77,368	44,316
Commercial loans secured by Non-Owner Occupied real estate \| Hotels
LOANS
Loans, net of unearned income	41,162	42,425
Commercial loans secured by Non-Owner Occupied real estate \| Eating and drinking places
LOANS
Loans, net of unearned income	1,363	1,752
Commercial loans secured by Non-Owner Occupied real estate \| Personal care
LOANS
Loans, net of unearned income	2,666	4,315
Commercial loans secured by Non-Owner Occupied real estate \| Amusement and recreation
LOANS
Loans, net of unearned income	3	12
Commercial loans secured by Non-Owner Occupied real estate \| Mixed use
LOANS
Loans, net of unearned income	49,833	62,088
Commercial loans secured by Non-Owner Occupied real estate \| Other.
LOANS
Loans, net of unearned income	18,498	16,272
Commercial
LOANS
Loans, net of unearned income	668,330	681,962
Commercial \| 1-4 unit residential
LOANS
Loans, net of unearned income	8,783	9,907
Commercial \| Multifamily/apartments/student housing
LOANS
Loans, net of unearned income	82,448	74,157
Commercial \| Office
LOANS
Loans, net of unearned income	69,762	74,733
Commercial \| Retail
LOANS
Loans, net of unearned income	178,388	176,804
Commercial \| Industrial/manufacturing/warehouse
LOANS
Loans, net of unearned income	153,131	146,232
Commercial \| Hotels
LOANS
Loans, net of unearned income	41,162	44,343
Commercial \| Eating and drinking places
LOANS
Loans, net of unearned income	6,346	13,364
Commercial \| Personal care
LOANS
Loans, net of unearned income	3,625	5,685
Commercial \| Amusement and recreation
LOANS
Loans, net of unearned income	3,899	5,559
Commercial \| Mixed use
LOANS
Loans, net of unearned income	54,014	66,119
Commercial \| Other.
LOANS
Loans, net of unearned income	66,772	65,059
Commercial \| Commercial and Industrial
LOANS
Loans, net of unearned income	128,116	134,182
Commercial \| Paycheck Protection Program (PPP)
LOANS
Loans, net of unearned income	24	17,311
Commercial \| Commercial loans secured by owner occupied real estate
LOANS
Loans, net of unearned income	80,247	99,644
Commercial \| Commercial loans secured by Non-Owner Occupied real estate
LOANS
Loans, net of unearned income	459,943	430,825
Consumer.
LOANS
Loans, net of unearned income	$ 311,120	$ 303,092

Loans - Additional information

Loans - Additional information (Details)		3 Months Ended		9 Months Ended
Loans - Additional information (Details)	Mar. 27, 2020 USD ($) item	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
LOANS
Real estate-construction loans, percentage		4.50%		4.50%		5.60%
Loan balances net of unearned income		$ 393,000		$ 393,000		$ 826,000
Loans, net of unearned income		979,450,000		979,450,000		985,054,000
Fee Income from Loans		10,691,000	$ 9,830,000	29,912,000	$ 30,440,000
Unrecognized fee income from the PPP loans originations		$ 0		$ 0		386,000
Paycheck Protection Program (PPP)
LOANS
Number of times of average monthly payroll costs \| item	2.5
Loan amount	$ 10,000,000
Interest rate	1%
Percentage of guarantee by SBA	100%
Number of loans		1		1
Loans, net of unearned income		$ 24,000		$ 24,000		$ 17,311,000
Fee Income from Loans		$ 58,000		$ 433,000
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
Paycheck Protection Program (PPP) \| Minimum
LOANS
Percentage of loan proceeds used for payroll expenses	60%

Allowance for Loan Losses - Loa

Allowance for Loan Losses - Loan losses by portfolio segment (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	$ 11,568	$ 11,752	$ 12,398	$ 11,345
Charge-Offs	(1,423)	(50)	(1,604)	(249)
Recoveries	27	72	103	178
Provision (Credit)	500	350	(225)	850
Balance at End of Period	10,672	12,124	10,672	12,124
Allocation for general risk
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	1,119	1,172	1,232	1,093
Charge-Offs			0	0
Recoveries			0	0
Provision (Credit)	(99)	36	(212)	115
Balance at End of Period	1,020	1,208	1,020	1,208
Commercial \| Commercial.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	3,158	3,534	3,071	3,472
Charge-Offs			(72)	(147)
Recoveries	4	35	4	52
Provision (Credit)	(406)	(445)	(247)	(253)
Balance at End of Period	2,756	3,124	2,756	3,124
Commercial \| Commercial loans secured by Non-Owner Occupied real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	5,716	5,535	6,392	5,373
Charge-Offs	(1,390)		(1,390)	0
Recoveries	13	13	39	37
Provision (Credit)	1,093	670	391	808
Balance at End of Period	5,432	6,218	5,432	6,218
Commercial \| Real estate - residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	1,473	1,388
Charge-Offs	(9)
Recoveries	2	8
Provision (Credit)	(89)	61
Balance at End of Period	1,377	1,457	1,377	1,457
Consumer. \| Real estate - residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period			1,590	1,292
Charge-Offs			(32)	(17)
Recoveries			14	42
Provision (Credit)			(195)	140
Balance at End of Period	1,377	1,457	1,377	1,457
Consumer. \| CONSUMER
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	102	123	113	115
Charge-Offs	(24)	(50)	(110)	(85)
Recoveries	8	16	46	47
Provision (Credit)	1	28	38	40
Balance at End of Period	$ 87	$ 117	$ 87	$ 117

Allowance for Loan Losses - L_2

Allowance for Loan Losses - Loan loss by the primary segments (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Loans:
Individually evaluated for impairment	$ 3,668		$ 2,170
Collectively evaluated for impairment	975,782		982,884
Total loans	979,450		985,054
Allowance for loan losses:
Specific reserve allocation	570		633
General reserve allocation	10,102		11,765
Total allowance for loan losses	10,672	$ 11,568	12,398	$ 12,124	$ 11,752	$ 11,345
Commercial loans secured by Non-Owner Occupied real estate
Loans:
Total loans	459,943		430,825
Real estate - residential mortgage
Loans:
Total loans	297,384		287,996
CONSUMER
Loans:
Total loans	13,736		15,096
Allocation for general risk
Allowance for loan losses:
Specific reserve allocation	0		0
General reserve allocation	1,020		1,232
Total allowance for loan losses	1,020	1,119	1,232	1,208	1,172	1,093
Commercial
Loans:
Total loans	668,330		681,962
Commercial \| Commercial.
Loans:
Individually evaluated for impairment	2,045		2,165
Collectively evaluated for impairment	206,342		248,972
Total loans	208,387		251,137
Allowance for loan losses:
Specific reserve allocation	567		628
General reserve allocation	2,189		2,443
Total allowance for loan losses	2,756	3,158	3,071	3,124	3,534	3,472
Commercial \| Commercial loans secured by Non-Owner Occupied real estate
Loans:
Individually evaluated for impairment	1,623		5
Collectively evaluated for impairment	458,320		430,820
Total loans	459,943		430,825
Allowance for loan losses:
Specific reserve allocation	3		5
General reserve allocation	5,429		6,387
Total allowance for loan losses	5,432	5,716	6,392	6,218	5,535	5,373
Commercial \| Real estate - residential mortgage
Allowance for loan losses:
Total allowance for loan losses	1,377	1,473		1,457	1,388
Consumer.
Loans:
Total loans	311,120		303,092
Consumer. \| Real estate - residential mortgage
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	297,384		287,996
Total loans	297,384		287,996
Allowance for loan losses:
Specific reserve allocation	0		0
General reserve allocation	1,377		1,590
Total allowance for loan losses	1,377		1,590	1,457		1,292
Consumer. \| CONSUMER
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	13,736		15,096
Total loans	13,736		15,096
Allowance for loan losses:
Specific reserve allocation	0		0
General reserve allocation	87		113
Total allowance for loan losses	$ 87	$ 102	$ 113	$ 117	$ 123	$ 115

Allowance for Loan Losses - Pre

Allowance for Loan Losses - Present impaired loans by portfolio segment (Details) - USD ($)	Sep. 30, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	$ 3,668,000	$ 2,170,000
Related Allowance	3,000	5,000
Unpaid Principal Balance	3,896,000	2,287,000
Impaired Loans with Specific Allowance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	2,048,000	2,170,000
Related Allowance	570,000	633,000
Impaired Loans With No Specific Allowance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	1,620,000	0
Commercial \| Commercial.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	2,045,000	2,165,000
Unpaid Principal Balance	2,251,000	2,260,000
Commercial \| Commercial loans secured by Non-Owner Occupied real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	1,623,000	5,000
Unpaid Principal Balance	1,645,000	27,000
Commercial \| Impaired Loans with Specific Allowance \| Commercial.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	2,045,000	2,165,000
Related Allowance	567,000	628,000
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	3,000	5,000
Related Allowance	3,000	5,000
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	$ 1,620,000	$ 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		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Average loan balance:
Average investment in impaired loans	$ 2,880	$ 2,240	$ 2,516	$ 1,979
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	0	3		15
Commercial \| Commercial.
Average loan balance:
Average investment in impaired loans	2,066	2,233	2,106	1,972
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	0	3		15
Commercial \| Commercial loans secured by Non-Owner Occupied real estate
Average loan balance:
Average investment in impaired loans	814	7	410	7
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	Sep. 30, 2022	Dec. 31, 2021
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	$ 979,450	$ 985,054
Paycheck Protection Program (PPP)
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	24	17,311
Commercial loans secured by 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	80,247	99,644
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	459,943	430,825
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	668,330	681,962
Commercial \| Commercial and industrial
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	128,116	134,182
Commercial \| Paycheck Protection Program (PPP)
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	24	17,311
Commercial \| Commercial loans secured by 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	80,247	99,644
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	459,943	430,825
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	639,114	639,765
Commercial \| Pass \| Commercial and industrial
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	122,959	125,079
Commercial \| Pass \| Paycheck Protection Program (PPP)
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	24	17,311
Commercial \| Pass \| Commercial loans secured by 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	79,257	98,271
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	436,874	399,104
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	13,801	26,341
Commercial \| Special Mention \| Commercial and industrial
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		6,722
Commercial \| Special Mention \| Commercial loans secured by 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		297
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	13,801	19,322
Commercial \| Substandard
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	15,412	14,208
Commercial \| Substandard \| Commercial and industrial
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	5,157	738
Commercial \| Substandard \| Commercial loans secured by 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	990	1,076
Commercial \| Substandard \| 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	9,265	12,394
Commercial \| Doubtful
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	3	1,648
Commercial \| Doubtful \| Commercial and industrial
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		1,643
Commercial \| Doubtful \| 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	$ 3	$ 5

Allowance for Loan Losses - Res

Allowance for Loan Losses - Residential and consumer portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	$ 979,450	$ 985,054
Consumer.
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	311,120	303,092
Real estate - residential mortgage
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	297,384	287,996
Real estate - residential mortgage \| Consumer.
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	297,384	287,996
CONSUMER
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	13,736	15,096
CONSUMER \| Consumer.
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	13,736	15,096
Performing \| Consumer.
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	310,231	301,939
Performing \| Real estate - residential mortgage \| Consumer.
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	296,495	286,843
Performing \| CONSUMER \| Consumer.
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	13,736	15,096
Non-performing \| Consumer.
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	889	1,153
Non-performing \| Real estate - residential mortgage \| Consumer.
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	889	1,153
Non-performing \| CONSUMER \| 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 ($)	Sep. 30, 2022	Dec. 31, 2021
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	$ 979,450,000	$ 985,054,000
90 Days Past Due and Still Accruing	0	0
Financial Asset, Not Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	976,266,000	977,589,000
Financial Asset, Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	3,184,000	7,465,000
30-59 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	1,275,000	4,649,000
60-89 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	1,081,000	1,687,000
90 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	828,000	1,129,000
Commercial and Industrial
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	128,116,000	134,182,000
Paycheck Protection Program (PPP)
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	24,000	17,311,000
Commercial loans secured by owner occupied real estate
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	80,247,000	99,644,000
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	459,943,000	430,825,000
Real estate - residential mortgage
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	297,384,000	287,996,000
CONSUMER
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	13,736,000	15,096,000
Commercial
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	668,330,000	681,962,000
Commercial \| Commercial and Industrial
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	128,116,000	134,182,000
90 Days Past Due and Still Accruing	0	0
Commercial \| Commercial and Industrial \| Financial Asset, Not Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	127,634,000	133,918,000
Commercial \| Commercial and Industrial \| Financial Asset, Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	482,000	264,000
Commercial \| Commercial and Industrial \| 30-59 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	402,000	14,000
Commercial \| Commercial and Industrial \| 60-89 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	80,000	250,000
Commercial \| Commercial and Industrial \| 90 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	0
Commercial \| Paycheck Protection Program (PPP)
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	24,000	17,311,000
90 Days Past Due and Still Accruing	0	0
Commercial \| Paycheck Protection Program (PPP) \| Financial Asset, Not Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	24,000	17,311,000
Commercial \| Paycheck Protection Program (PPP) \| Financial Asset, Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	0
Commercial \| Paycheck Protection Program (PPP) \| 30-59 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	0
Commercial \| Paycheck Protection Program (PPP) \| 60-89 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	0
Commercial \| Paycheck Protection Program (PPP) \| 90 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	0
Commercial \| Commercial loans secured by owner occupied real estate
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	80,247,000	99,644,000
90 Days Past Due and Still Accruing	0	0
Commercial \| Commercial loans secured by owner occupied real estate \| Financial Asset, Not Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	80,247,000	99,454,000
Commercial \| Commercial loans secured by owner occupied real estate \| Financial Asset, Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	190,000
Commercial \| Commercial loans secured by owner occupied real estate \| 30-59 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	0
Commercial \| Commercial loans secured by owner occupied real estate \| 60-89 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	190,000
Commercial \| Commercial loans secured by owner occupied real estate \| 90 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	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
Total loans	459,943,000	430,825,000
90 Days Past Due and Still Accruing	0	0
Commercial \| Commercial loans secured by Non-Owner Occupied real estate \| Financial Asset, Not Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	459,943,000	428,790,000
Commercial \| Commercial loans secured by Non-Owner Occupied real estate \| Financial Asset, Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	2,035,000
Commercial \| Commercial loans secured by Non-Owner Occupied real estate \| 30-59 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	2,035,000
Commercial \| Commercial loans secured by Non-Owner Occupied real estate \| 60-89 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	0
Commercial \| Commercial loans secured by Non-Owner Occupied real estate \| 90 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	0	0
Consumer.
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	311,120,000	303,092,000
Consumer. \| Real estate - residential mortgage
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	297,384,000	287,996,000
90 Days Past Due and Still Accruing	0	0
Consumer. \| Real estate - residential mortgage \| Financial Asset, Not Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	294,977,000	283,178,000
Consumer. \| Real estate - residential mortgage \| Financial Asset, Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	2,407,000	4,818,000
Consumer. \| Real estate - residential mortgage \| 30-59 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	584,000	2,449,000
Consumer. \| Real estate - residential mortgage \| 60-89 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	995,000	1,240,000
Consumer. \| Real estate - residential mortgage \| 90 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	828,000	1,129,000
Consumer. \| CONSUMER
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	13,736,000	15,096,000
90 Days Past Due and Still Accruing	0	0
Consumer. \| CONSUMER \| Financial Asset, Not Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	13,441,000	14,938,000
Consumer. \| CONSUMER \| Financial Asset, Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	295,000	158,000
Consumer. \| CONSUMER \| 30-59 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	289,000	151,000
Consumer. \| CONSUMER \| 60-89 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	6,000	7,000
Consumer. \| CONSUMER \| 90 Days Past Due
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Total loans	$ 0	$ 0

Allowance for Loan Losses - Add

Allowance for Loan Losses - Additional information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision expense for loan losses	$ 500,000	$ 350,000	$ (225,000)	$ 850,000
Loans, net of unearned income	$ 979,450,000		$ 979,450,000		$ 985,054,000
Non-performing assets as a percent of loans	0.47%		0.47%		0.34%
Allowance for Loan and Lease Losses Write-offs, Net			$ 1,500,000	$ 71,000
Allowance For Loan And Lease Losses Write Off Percentage			0.21%	0.01%
Percentage Of Allowance For Non Performing Assets	232%		232%		373%
Percentage Of Allowance For Total Loans	1.09%		1.09%		1.26%
Amount of favorable shift				$ 1,100,000
Financing Receivable, Individually Evaluated for Impairment	$ 3,668,000		$ 3,668,000		$ 2,170,000
Non-performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 4,600,000		$ 4,600,000		$ 3,300,000
Non-performing assets as a percent of loans	0.47%		0.47%		0.34%
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 128,116,000		$ 128,116,000		$ 134,182,000
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
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum individual loan balance requiring quarterly review	250,000		250,000
Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum individual loan balance requiring quarterly review	100,000		100,000
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	668,330,000		668,330,000		681,962,000
Commercial \| Commercial.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	208,387,000		208,387,000		251,137,000
Minimum aggregate balances for commercial loan relationship under structure loan rating process	1,000,000		1,000,000
Financing Receivable, Individually Evaluated for Impairment	2,045,000		2,045,000		2,165,000
Commercial \| Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	128,116,000		128,116,000		134,182,000
Commercial \| Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	639,114,000		639,114,000		639,765,000
Commercial \| Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	13,801,000		13,801,000		26,341,000
Commercial \| Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	15,412,000		15,412,000		14,208,000
Commercial \| Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	3,000		$ 3,000		1,648,000
Commercial \| Minimum \| Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum percent of portfolio to be reviewed			40%
Consumer.
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	311,120,000		$ 311,120,000		$ 303,092,000
Consumer. \| Minimum \| Consumer and Residential Mortgage Loans
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 ($)	Sep. 30, 2022	Dec. 31, 2021
Non-Performing assets including TDR
Non-accrual loans	$ 4,557,000	$ 3,323,000
Other real estate owned and repossessed assets	39,000
Total non-performing assets including TDR	$ 4,596,000	$ 3,323,000
Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned and repossessed assets	0.47%	0.34%
90 Days Past Due and Still Accruing	$ 0	$ 0
Commercial and Industrial
Non-Performing assets including TDR
Non-accrual loans	2,045,000	2,165,000
Commercial loans secured by Non-Owner Occupied real estate
Non-Performing assets including TDR
Non-accrual loans	1,623,000	5,000
Real estate - residential mortgage
Non-Performing assets including TDR
Non-accrual loans	889,000	$ 1,153,000
Other real estate owned and repossessed assets	38,000
CONSUMER
Non-Performing assets including TDR
Other real estate owned and repossessed assets	$ 1,000

Non-Performing Assets Includi_4

Non-Performing Assets Including Troubled Debt Restructurings (TDR) - Loans in accrual and non-accrual status (Details) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2022 USD ($) loan	Sep. 30, 2021 loan	Sep. 30, 2020 loan	Sep. 30, 2022 USD ($) loan	Sep. 30, 2021 USD ($) loan	Sep. 30, 2020 loan
Schedule of TDRs
Number of loans		0
TDR subsequently default		0	0		0	0
Loans in non-accrual status \| Commercial and Industrial \| Subsequent modification of a TDR
Schedule of TDRs
Number of loans				1	1
Current Balance \| $				$ 458	$ 480
Concession Granted				Subsequent modification of a TDR - Extension of maturity date with a below market interest rate	Subsequent modification of a TDR - Extension of maturity date with a below market interest rate
Loans in non-accrual status \| Commercial loans secured by Non-Owner Occupied real estate
Schedule of TDRs
Number of loans	1			1
Current Balance \| $	$ 1,620			$ 1,620
Concession Granted	Extension of maturity date with an interest only period at below market interest rate			Extension of maturity date with an interest only period at below market interest rate

Non-Performing Assets Includi_5

Non-Performing Assets Including Troubled Debt Restructurings (TDR) - concentration of COVID-19 related modifications within the loan portfolio (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Financing Receivable, Modifications [Line Items]
Loans For Which Payment Relief Has Been Requested	$ 4,167	$ 7,748
% of Outstanding Non-PPP Loans	0.40%	0.80%
Commercial loans secured by Non-Owner Occupied real estate [Member] \| Commercial
Financing Receivable, Modifications [Line Items]
Loans For Which Payment Relief Has Been Requested	$ 3,919	$ 7,488
% of Outstanding Non-PPP Loans	0.60%	1.10%
Home Equity \| Consumer.
Financing Receivable, Modifications [Line Items]
Loans For Which Payment Relief Has Been Requested		$ 57
% of Outstanding Non-PPP Loans		0.10%
Real estate - residential mortgage
Financing Receivable, Modifications [Line Items]
Loans For Which Payment Relief Has Been Requested	$ 248	$ 203
% of Outstanding Non-PPP Loans	0.10%	0.10%

Non-Performing Assets Includi_6

Non-Performing Assets Including Troubled Debt Restructurings (TDR) - types of payment relief that have been granted (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan	Jun. 30, 2020 USD ($)
Financing Receivable, Modifications [Line Items]
Number of loans \| loan	4	11
Loans For Which Payment Relief Has Been Requested \| $	$ 4,167	$ 7,748
Interest only payments
Financing Receivable, Modifications [Line Items]
Number of loans \| loan	2	6
Loans For Which Payment Relief Has Been Requested \| $	$ 3,919	$ 3,768
Complete payment deferrals
Financing Receivable, Modifications [Line Items]
Number of loans \| loan	2	5
Loans For Which Payment Relief Has Been Requested \| $	$ 248	$ 3,980	$ 200,000

Non-Performing Assets Includi_7

Non-Performing Assets Including Troubled Debt Restructurings (TDR) - Additional information (Details)	9 Months Ended	12 Months Ended
	Sep. 30, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan
ALL reserve for TDR's	$ 129,000	$ 132,000
Decrease in loan modifications to COVID-19	$ 3,600,000
Percentage of decrease in balance of loan modifications	46.20%
Accrued interest receivable due to loan modification	$ 503,000
Number of loans \| loan	4	11
Commercial real estate and commercial loan portfolios
Number of loans \| loan	2
Second payment deferral
Balance of loans modified	$ 3,900,000

Short-Term Borrowings and Adv_3

Short-Term Borrowings and Advances from Federal Home Loan Bank (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Federal Home Loan Bank (FHLB) borrowings and advances
Open Repo Plus	$ 26,274	$ 0
FHLB Advances 2022, Amount	8,757	22,888
FHLB Advances 2023, Amount	15,568	15,568
FHLB Advances 2024, Amount	4,197	4,197
Total FHLB advances	28,522	42,653
Total short-term and FHLB borrowings, Amount	$ 54,796	$ 42,653
Open Repo Plus Maturity Overnight, Weighted Average Rate	3.11%	0%
FHLB Advances Maturing 2022, Weighted Average Rate	1.79%	1.88%
FHLB Advances Maturing 2023, Weighted Average Rate	1.59%	1.59%
FHLB Advances Maturing 2024, Weighted Average Rate	1.19%	1.19%
Total FHLB advances, Weighted Average Rate	1.59%	1.71%
Total short-term and FHLB borrowings, Weighted Average Rate	2.32%	1.71%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	$ (20,233)	$ (9,317)	$ (6,512)	$ (13,198)
Other comprehensive income (loss) before reclassifications	(6,868)	753	(21,930)	3,064
Amounts reclassified from accumulated other comprehensive loss	451	694	1,792	2,264
Net current period other comprehensive income (loss)	(6,417)	1,447	(20,138)	5,328
Ending balance	(26,650)	(7,870)	(26,650)	(7,870)
Net Unrealized Gains and Losses on Investment Securities AFS
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(8,766)	2,863	1,386	3,539
Other comprehensive income (loss) before reclassifications	(6,370)	(466)	(16,522)	(1,076)
Amounts reclassified from accumulated other comprehensive loss				(66)
Net current period other comprehensive income (loss)	(6,370)	(466)	(16,522)	(1,142)
Ending balance	(15,136)	2,397	(15,136)	2,397
Defined Benefit Pension Items
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning balance	(11,467)	(12,180)	(7,898)	(16,737)
Other comprehensive income (loss) before reclassifications	(498)	1,219	(5,408)	4,140
Amounts reclassified from accumulated other comprehensive loss	451	694	1,792	2,330
Net current period other comprehensive income (loss)	(47)	1,913	(3,616)	6,470
Ending balance	$ (11,514)	$ (10,267)	$ (11,514)	$ (10,267)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss- Reclassification of component (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Realized gains on sale of securities
Net realized gains on investment securities				$ (84)
Provision for income taxes				18
Net of tax				(66)
Amortization of estimated defined benefit pension plan loss
Other expense	$ 571	$ 879	$ 2,268	2,949
Provision for income taxes	(120)	(185)	(476)	(619)
Net of tax	451	694	1,792	2,330
Total reclassifications for the period	$ 451	$ 694	$ 1,792	$ 2,264

Regulatory Capital (Details)

Regulatory Capital (Details) $ in Thousands	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Summarized regulatory capital ratio of company
Total Capital (To RWA), Actual Amount	$ 136,390	$ 133,881
Tier 1 Common Equity (To RWA), Actual Amount	124,944	120,656
Tier 1 Capital (To RWA), Actual Amount	124,944	120,656
Tier 1 Capital (To Average Assets), Actual Amount	$ 124,944	$ 120,656
Total Capital (To RWA), Actual Ratio	0.1249	0.1266
Tier 1 Common Equity (To RWA), Actual Ratio	0.1145	0.1141
Tier 1 Capital (To RWA), Actual Ratio	0.1145	0.1141
Tier 1 Capital (To Average Assets), Actual Ratio	0.0944	0.0912
Total Capital (To RWA), Minimum Required For Capital Adequacy Purpose	0.0800	0.0800
Tier 1 Common Equity (To RWA), Minimum Required For Capital Adequacy Purpose	0.0450	0.0450
Tier 1 Capital (To RWA), Minimum Required For Capital Adequacy Purpose	0.0600	0.0600
Tier 1 Capital (To Average Assets), Minimum Required For Capital Adequacy Purpose	0.0400	0.0400
Total Capital (To RWA), To Be Will Capitalized Under Prompt Corrective Action Regulations	0.1000	0.1000
Tier 1 Common Equity (To RWA), To Be Will Capitalized Under Prompt Corrective Action Regulations	0.0650	0.0650
Tier 1 Capital (To RWA), To Be Well Capitalized Under Prompt Corrective Action Regulations	0.0800	0.0800
Tier 1 Capital (To Average Assets), To Be Will Capitalized Under Prompt Corrective Action Regulations	0.0500	0.0500
Parent Company
Summarized regulatory capital ratio of company
Total Capital (To RWA), Actual Amount	$ 152,571	$ 149,177
Tier 1 Common Equity (To RWA), Actual Amount	114,491	109,292
Tier 1 Capital (To RWA), Actual Amount	114,491	109,292
Tier 1 Capital (To Average Assets), Actual Amount	$ 114,491	$ 109,292
Total Capital (To RWA), Actual Ratio	0.1392	0.1404
Tier 1 Common Equity (To RWA), Actual Ratio	0.1044	0.1029
Tier 1 Capital (To RWA), Actual Ratio	0.1044	0.1029
Tier 1 Capital (To Average Assets), Actual Ratio	0.0856	0.0817

Derivative Hedging Instrument_2

Derivative Hedging Instruments (Details) - Swap - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Derivative Financial Instruments, Liabilities
Derivative, Swap Type	N/A	N/A
Derivative Liability, Notional Amount	$ (64,624)	$ (55,061)
Weighted Average Rate Received (Paid)	(3.54%)	(2.59%)
Repricing frequency	Monthly	Monthly
Increase (Decrease) in Interest Expense	$ 306	$ 602
Derivative Financial Instruments, Assets
Derivative, Swap Type	N/A	N/A
Derivative Asset, Notional Amount	$ 64,624	$ 55,061
Weighted Average Rate Received (Paid)	3.54%	2.59%
Repricing frequency	Monthly	Monthly
Increase (Decrease) in Interest Expense	$ (306)	$ (602)

Derivative Hedging Instrument_3

Derivative Hedging Instruments - Additional Information (Details) - USD ($) $ in Millions	Sep. 30, 2022	Sep. 30, 2021
Maximum amount outstanding	$ 500
Interest Rate Swap \| Risk Participation Agreement
Notional amount	$ 2.2	$ 2.6

Segment Results (Details)

Segment Results (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Segment Results (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Contribution of segments to the consolidated results of operations
Total revenue	$ 14,855	$ 13,642	$ 43,219	$ 42,214
Net income (loss)	2,102	1,431	6,501	5,220
Community banking
Contribution of segments to the consolidated results of operations
Total revenue	13,341	12,515	37,912	38,605
Net income (loss)	3,359	2,801	9,493	9,059
Wealth management
Contribution of segments to the consolidated results of operations
Total revenue	2,827	3,154	9,006	9,082
Net income (loss)	425	831	1,658	2,227
Investment/Parent
Contribution of segments to the consolidated results of operations
Total revenue	(1,313)	(2,027)	(3,699)	(5,473)
Net income (loss)	$ (1,682)	$ (2,201)	$ (4,650)	$ (6,066)

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) - USD ($)	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Loss Contingencies [Line Items]
Allowance for loan losses	$ 10,672,000	$ 11,568,000	$ 12,398,000	$ 12,124,000	$ 11,752,000	$ 11,345,000
Unfunded Loan Commitment
Loss Contingencies [Line Items]
Allowance for loan losses	774,000		989,000
Commitments to extend credit
Loss Contingencies [Line Items]
Amount of commitment	239,500,000		216,600,000
Standby letters of Credit
Loss Contingencies [Line Items]
Amount of commitment	$ 12,000,000		$ 13,100,000

Pension Benefits - Component of

Pension Benefits - Component of net periodic benefit cost (Details) - Defined Benefit Pension Items - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Components of net periodic benefit cost
Service cost	$ 358,000	$ 429,000	$ 1,073,000	$ 1,287,000
Interest cost	365,000	221,000	1,094,000	664,000
Expected return on plan assets	(1,052,000)	(1,004,000)	(3,156,000)	(3,012,000)
Amortization of net loss	341,000	610,000	1,024,000	1,829,000
Settlement charge	230,000	269,000	1,244,000	1,120,000
Net periodic pension cost	$ 242,000	$ 525,000	$ 1,279,000	$ 1,888,000

Pension Benefits - Additional i

Pension Benefits - Additional information (Details)	3 Months Ended		9 Months Ended
Pension Benefits - Additional information (Details)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Defined Benefit Plan Disclosure [Line Items]
Minimum number of annual hours	1,000		1,000
Maximum percent of plan assets comprised of AmeriServ Financial, Inc. common stock	10%		10%
Defined Benefit Pension Items
Defined Benefit Plan Disclosure [Line Items]
Settlement charge	$ 230,000	$ 269,000	$ 1,244,000	$ 1,120,000
Defined Benefit Pension Items \| Other assets.
Defined Benefit Plan Disclosure [Line Items]
Assets for pension benefits	$ 17,600,000		$ 17,600,000		$ 19,500,000

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	Sep. 30, 2022	Dec. 31, 2021
Disclosures about Fair Value Measurements and Financial Instruments
Equity securities	$ 491	$ 526
Available for sale, at fair value	174,300	163,171
Interest rate swap asset	7,518	1,226
Interest rate swap liability	(7,367)	(1,226)
U.S. Agency
Disclosures about Fair Value Measurements and Financial Instruments
Available for sale, at fair value	10,037	7,387
U.S. Agency mortgage-backed securities
Disclosures about Fair Value Measurements and Financial Instruments
Available for sale, at fair value	88,026	80,167
Municipal
Disclosures about Fair Value Measurements and Financial Instruments
Available for sale, at fair value	19,639	20,892
Corporate bonds.
Disclosures about Fair Value Measurements and Financial Instruments
Available for sale, at fair value	56,598	54,725
Level 1
Disclosures about Fair Value Measurements and Financial Instruments
Equity securities	491	526
Level 2
Disclosures about Fair Value Measurements and Financial Instruments
Interest rate swap asset	7,518	1,226
Interest rate swap liability	(7,367)	(1,226)
Level 2 \| U.S. Agency
Disclosures about Fair Value Measurements and Financial Instruments
Available for sale, at fair value	10,037	7,387
Level 2 \| U.S. Agency mortgage-backed securities
Disclosures about Fair Value Measurements and Financial Instruments
Available for sale, at fair value	88,026	80,167
Level 2 \| Municipal
Disclosures about Fair Value Measurements and Financial Instruments
Available for sale, at fair value	19,639	20,892
Level 2 \| Corporate bonds.
Disclosures about Fair Value Measurements and Financial Instruments
Available for sale, at fair value	$ 56,598	$ 54,725

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 ($)	Sep. 30, 2022	Dec. 31, 2021
Disclosures about Fair Value Measurements and Financial Instruments
Impaired loan with carrying value	$ 1,600,000	$ 5,000
Specific valuation allowance	3,000	5,000
Impaired loans	1,600,000	$ 0
Other real estate owned and repossessed assets	39,000
Fair Value Measurements, Nonrecurring Basis
Disclosures about Fair Value Measurements and Financial Instruments
Impaired loans	1,620,000
Other real estate owned and repossessed assets	39,000
Fair Value Measurements, Nonrecurring Basis \| Level 3
Disclosures about Fair Value Measurements and Financial Instruments
Impaired loans	1,620,000
Other real estate owned and repossessed assets	$ 39,000
Fair Value Measurements, Nonrecurring Basis \| Level 3 \| Other real estate owned
Disclosures about Fair Value Measurements and Financial Instruments
Appraisal adjustments	52%
Fair Value Measurements, Nonrecurring Basis \| Level 3 \| Minimum \| Impaired loans
Disclosures about Fair Value Measurements and Financial Instruments
Appraisal adjustments	0%	100%
Fair Value Measurements, Nonrecurring Basis \| Level 3 \| Minimum \| Other real estate owned
Disclosures about Fair Value Measurements and Financial Instruments
Liquidation expenses	10%
Fair Value Measurements, Nonrecurring Basis \| Level 3 \| Maximum \| Impaired loans
Disclosures about Fair Value Measurements and Financial Instruments
Appraisal adjustments	1%
Fair Value Measurements, Nonrecurring Basis \| Level 3 \| Maximum \| Other real estate owned
Disclosures about Fair Value Measurements and Financial Instruments
Liquidation expenses	39%
Fair Value Measurements, Nonrecurring Basis \| Level 3 \| Wgtd Ave \| Impaired loans
Disclosures about Fair Value Measurements and Financial Instruments
Appraisal adjustments	0%	100%
Fair Value Measurements, Nonrecurring Basis \| Level 3 \| Wgtd Ave \| Other real estate owned
Disclosures about Fair Value Measurements and Financial Instruments
Appraisal adjustments	52%
Liquidation expenses	11%

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	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
FINANCIAL ASSETS: Carrying Value
Investment securities - HTM, Carrying Value	$ 62,567	$ 53,751
Loans held for sale, Carrying Value		983
Loans, net of allowance for loan loss and unearned income, Carrying Value	968,778	972,656
Investment securities - HTM, Fair Value	55,788	55,516
Loans held for sale, Fair Value		1,022
Loans, net of allowance for loan loss and unearned income, Fair Value	910,169	969,681
FINANCIAL LIABILITIES: Carrying Value
Deposits with stated maturities, Carrying Value	283,640	292,325
All other borrowings, Carrying Value	55,156	69,256
Deposits with stated maturities, Fair Value	279,204	294,280
All other borrowings, Fair Value	$ 52,845	69,506
Assets and liabilities considered financial instruments, percentage	90%
Level 1
FINANCIAL ASSETS: Carrying Value
Loans held for sale, Fair Value		1,022
Level 2
FINANCIAL ASSETS: Carrying Value
Investment securities - HTM, Fair Value	$ 52,936	52,523
Level 3
FINANCIAL ASSETS: Carrying Value
Investment securities - HTM, Fair Value	2,852	2,993
Loans, net of allowance for loan loss and unearned income, Fair Value	910,169	969,681
FINANCIAL LIABILITIES: Carrying Value
Deposits with stated maturities, Fair Value	279,204	294,280
All other borrowings, Fair Value	$ 52,845	$ 69,506