Franklin Financial Services (FRAF) 10-Q 7 Aug 20 2020 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2020	Jul. 31, 2020
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2020
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-38884
Entity Registrant Name	FRANKLIN FINANCIAL SERVICES CORPORATION
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	25-1440803
Entity Address, Address Line One	20 South Main Street
Entity Address, City or Town	Chambersburg
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	17201-0819
City Area Code	717
Local Phone Number	264-6116
Title of 12(b) Security	Common stock
Trading Symbol	FRAF
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,352,944
Entity Central Index Key	0000723646
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q2
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 17,752	$ 15,336
Short-term interest-bearing deposits in other banks	40,847	68,492
Total cash and cash equivalents	58,599	83,828
Long-term interest-bearing deposits in other banks	13,985	8,746
Debt securities available for sale, at fair value	286,217	187,433
Equity securities	340	440
Restricted stock	468	465
Loans held for sale	5,255	2,040
Loans	1,012,138	934,575
Allowance for loan losses	(16,555)	(11,966)
Net Loans	995,583	922,609
Premises and equipment, net	13,552	13,851
Right of use asset	5,005	5,126
Bank owned life insurance	21,067	23,748
Goodwill	9,016	9,016
Other real estate owned
Deferred tax asset, net	4,076	4,003
Other assets	9,948	7,852
Total assets	1,423,111	1,269,157
Deposits
Noninterest-bearing checking	248,851	192,108
Money management, savings and interest checking	944,792	843,936
Time	79,710	89,348
Total deposits	1,273,353	1,125,392
Lease liability	5,052	5,161
Other liabilities	9,866	11,076
Total liabilities	1,288,271	1,141,629
Commitments and contingent liabilities (Note 14)
Shareholders' equity
Common stock, $1 par value per share,15,000,000 shares authorized with 4,710,822 shares issued and 4,352,484 shares outstanding at June 30, 2020 and 4,709,849 shares issued and 4,352,753 shares outstanding at December 31, 2019	4,711	4,710
Capital stock without par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital	42,461	42,268
Retained earnings	97,124	94,946
Accumulated other comprehensive loss	(725)	(5,986)
Treasury stock, 358,338 shares at June 30, 2020 and 357,096 shares at December 31, 2019, at cost	(8,731)	(8,410)
Total shareholders' equity	134,840	127,528
Total liabilities and shareholders' equity	$ 1,423,111	$ 1,269,157

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Jun. 30, 2020	Dec. 31, 2019
Consolidated Balance Sheets [Abstract]
Common Stock, Par or Stated Value Per Share	$ 1	$ 1
Common Stock, Shares Authorized	15,000,000	15,000,000
Common Stock, Shares, Issued	4,710,822	4,709,849
Common Stock, Shares, Outstanding	4,352,484	4,352,753
Capital stock, no par value	$ 0	$ 0
Capital Stock, Shares Authorized	5,000,000	5,000,000
Capital Stock, Shares, Issued	0	0
Capital Stock, Shares, Outstanding	0	0
Treasury Stock, Shares	358,338	357,096

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Interest income
Loans, including fees	$ 9,680	$ 11,125	$ 19,848	$ 22,134
Interest and dividends on investments:
Taxable interest	1,048	575	2,110	1,114
Tax exempt interest	352	281	524	620
Dividend income	3	12	9	16
Interesting-bearing deposits in other banks	82	403	340	499
Total interest income	11,165	12,396	22,831	24,383
Interest expense
Deposits	833	1,833	2,246	3,457
Short-term borrowings				36
Total interest expense	833	1,833	2,246	3,493
Net interest income	10,332	10,563	20,585	20,890
Provision for loan losses	1,975		4,975	399
Net interest income after provision for loan losses	8,357	10,563	15,610	20,491
Noninterest income
Investment and trust services fees	1,590	1,647	3,035	3,099
Loan service charges	502	228	786	431
Deposit service charges and fees	397	603	962	1,149
Other service charges and fees	336	381	683	734
Debit card income	438	464	857	866
Increase in cash surrender value of life insurance	112	128	236	255
Life insurance gain			812
Net (losses)/gains on sales of debt securities		229	(10)	253
Change in fair value of equity securities	27	13	(100)	16
Other	10	3	40	59
Total noninterest income	3,412	3,696	7,301	6,862
Noninterest Expense
Salaries and employee benefits	5,382	5,355	10,916	10,797
Net occupancy	865	858	1,695	1,715
Marketing and advertising	464	481	919	883
Legal and professional	430	471	825	901
Data processing	834	738	1,641	1,443
Pennsylvania bank shares tax	263	243	438	486
FDIC Insurance	88
FDIC Insurance		115	148	180
ATM/debit card processing	279	247	543	505
Telecommunications	108	107	213	211
Other	931	991	1,835	1,896
Total noninterest expense	9,644	9,606	19,173	19,017
Income before federal income taxes	2,125	4,653	3,738	8,336
Federal income tax (benefit) expense	(942)	669	(1,048)	1,115
Net income	$ 3,067	$ 3,984	$ 4,786	$ 7,221
Per share
Basic earnings per share	$ 0.71	$ 0.91	$ 1.10	$ 1.64
Diluted earnings per share	$ 0.71	$ 0.90	$ 1.10	$ 1.63

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Consolidated Statements Of Comprehensive Income [Abstract]
Net income		$ 3,067	$ 3,984	$ 4,786	$ 7,221
Debt Securities:
Unrealized gains arising during the period		4,602	1,220	6,650	2,634
Reclassification adjustment for (gains) losses included in net income	[1],[2]		(229)	10	(253)
Net unrealized gains		4,602	991	6,660	2,381
Tax effect		(967)	(208)	(1,399)	(499)
Net of tax amount		3,635	783	5,261	1,882
Total other comprehensive income (loss)		3,635	783	5,261	1,882
Total Comprehensive Income		$ 6,702	$ 4,767	$ 10,047	$ 9,103
[1]	Net of the reclassification of $ 0 , $ 48 , ($ 2 ) and $ 53 to Federal income tax expense (benefit)
[2]	Reclassified to net gains on sales of debt securities

Consolidated Statements Of Co_2

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Consolidated Statements Of Comprehensive Income [Abstract]
Reclassification to Federal income tax expense (benefit)	$ 0	$ 48	$ 2	$ 53

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2018	$ 4,701	$ 41,530	$ 83,946	$ (6,380)	$ (5,401)	$ 118,396
Net income (loss)			7,221			7,221
Other comprehensive income (loss)				1,882		1,882
Cash dividends declared			(2,509)			(2,509)
Acquisition of treasury stock					(2,027)	(2,027)
Treasury shares issued under employee stock purchase plan		27			47	74
Treasury shares issued under dividend reinvestment plan		335			387	722
Stock Compensation Plans:
Incentive stock options exercised	7	148				155
Balance at Jun. 30, 2019	4,708	42,040	88,658	(4,498)	(6,994)	123,914
Balance at Mar. 31, 2019	4,708	41,841	85,991	(5,281)	(5,768)	121,491
Net income (loss)			3,984			3,984
Other comprehensive income (loss)				783		783
Cash dividends declared			(1,317)			(1,317)
Acquisition of treasury stock					(1,467)	(1,467)
Treasury shares issued under employee stock purchase plan		25			44	69
Treasury shares issued under dividend reinvestment plan		174			197	371
Balance at Jun. 30, 2019	4,708	42,040	88,658	(4,498)	(6,994)	123,914
Balance at Dec. 31, 2019	4,710	42,268	94,946	(5,986)	(8,410)	127,528
Net income (loss)			4,786			4,786
Other comprehensive income (loss)				5,261		5,261
Cash dividends declared			(2,608)			(2,608)
Acquisition of treasury stock					(1,172)	(1,172)
Treasury shares issued under dividend reinvestment plan		91			849	940
Stock Compensation Plans:
Treasury shares issued		1			2	3
Common stock issued	1	15				16
Compensation expense		86				86
Balance at Jun. 30, 2020	4,711	42,461	97,124	(725)	(8,731)	134,840
Balance at Mar. 31, 2020	4,711	42,390	95,359	(4,360)	(9,095)	129,005
Net income (loss)			3,067			3,067
Other comprehensive income (loss)				3,635		3,635
Cash dividends declared			(1,302)			(1,302)
Treasury shares issued under dividend reinvestment plan		16			364	380
Stock Compensation Plans:
Compensation expense		55				55
Balance at Jun. 30, 2020	$ 4,711	$ 42,461	$ 97,124	$ (725)	$ (8,731)	$ 134,840

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Consolidated Statements Of Changes In Shareholders' Equity [Abstract]
Dividend declared per share	$ 0.30	$ 0.30	$ 0.60	$ 0.57
Acquisition of treasury stock, shares		39,600	36,401	54,763
Treasury shares issued under employee stock purchase plan, shares		2,110		2,260
Treasury shares issued under dividend reinvestment plan, shares	14,964	9,554	35,088	19,704
Treasury shares issued, shares			71
Common shares issued, shares			973
Incentive stock options exercised, shares				6,982

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Cash flows from operating activities
Net income	$ 4,786	$ 7,221
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	663	681
Net amortization of loans and investment securities	867	733
Provision for loan losses	4,975	399
Decrease (increase) in fair value of equity securities	100	(16)
Debt securities losses (gains), net	10	(253)
Loans originated for sale	(28,817)	(16,892)
Proceeds from sale of loans	25,602	16,318
Increase in cash surrender value of life insurance	(236)	(255)
Gains from claim on life insurance policies	(812)
Net operating loss	(1,112)
Stock option compensation	86
Decrease in other assets	(2,459)	(70)
Increase in other liabilities	(1,081)	643
Net cash provided by operating activities	2,572	8,509
Cash flows from investing activities
Net increase in long-term interest-bearing deposits in other banks	(5,239)
Proceeds from sales and calls of investment securities available for sale	165	16,955
Proceeds from maturities and pay-downs of securities available for sale	21,049	13,318
Purchase of investment securities available for sale	(114,107)	(26,319)
Net increase in restricted stock	(3)	(13)
Net increase in loans	(78,056)	(9,362)
Proceeds from surrender of life insurance policy	3,623
Capital expenditures	(373)	(433)
Net cash used in investing activities	(172,941)	(5,854)
Cash flows from financing activities
Net increase in demand deposits, interest-bearing checking, and savings accounts	157,599	5,996
Net (decrease) increase in time deposits	(9,638)	24,424
Dividends paid	(2,608)	(2,509)
Purchase of Treasury shares	(1,172)	(2,004)
Cash received from option exercises	19	206
Treasury shares issued under dividend reinvestment plan	940	722
Net cash provided by financing activities	145,140	26,835
Decrease in cash and cash equivalents	(25,229)	29,490
Cash and cash equivalents at the beginning of the period	83,828	52,957
Cash and cash equivalents at the end of the period	58,599	82,447
Supplemental Disclosures of Cash Flow Information
Cash paid during the year for: Interest on deposits and other borrowed funds	2,424	3,275
Cash paid during the year for: Income taxes	567
Noncash Activities
Lease liabilities arising from obtaining right-of-use assets	$ 105	$ 22

Basis Of Presentation

Basis Of Presentation	6 Months Ended
	Jun. 30, 2020
Basis Of Presentation [Abstract]
Basis Of Presentation	Note 1. Basis of Presentation The consolidated financial statements include the accounts of Franklin Financial Services Corporation (the Corporation), and its wholly owned subsidiaries, Farmers and Merchants Trust Company of Chambersburg (the Bank) and Franklin Future Fund Inc. Farmers and Merchants Trust Company of Chambersburg is a commercial bank that has one wholly owned subsidiary, Franklin Financial Properties Corp. Franklin Financial Properties Corp. holds real estate assets that are leased by the Bank. Franklin Future Fund Inc. is a non-bank investment company. The activities of non-bank entities are not significant to the consolidated totals. All significant intercompany transactions and account balances have been eliminated. In the opinion of management, all adjustments (which include only normal recurring adjustments) necessary to present fairly the consolidated financial position, results of operations, and cash flows as of June 30, 2020, and for all other periods presented have been made. Certain information and footnote disclosures normally included in consolidated financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been condensed or omitted. It is suggested that these consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s 2019 Annual Report on Form 10-K. The consolidated results of operations for the three-month and six-month period ended June 30, 2020 are not necessarily indicative of the operating results for the full year. Management has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. The consolidated balance sheet at December 31, 2019 has been derived from the audited consolidated financial statements at that date but does not include all of the information and footnotes required by GAAP for complete consolidated financial statements. For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, interest-bearing deposits in other banks and cash items with original maturities less than 90 days. Earnings per share are computed based on the weighted average number of shares outstanding during each period end. A reconciliation of the weighted average shares outstanding used to calculate basic earnings per share and diluted earnings per share follows: For the Three Months Ended For the Six Months Ended June 30, June 30, (Dollars and shares in thousands, except per share data) 2020 2019 2020 2019 Weighted average shares outstanding (basic) 4,345 4,396 4,346 4,404 Impact of common stock equivalents 5 25 8 23 Weighted average shares outstanding (diluted) 4,350 4,421 4,354 4,427 Anti-dilutive options excluded from calculation 80 — 80 — Net income $ 3,067 $ 3,984 $ 4,786 $ 7,221 Basic earnings per share $ 0.71 $ 0.91 $ 1.10 $ 1.64 Diluted earnings per share $ 0.71 $ 0.90 $ 1.10 $ 1.63

Recent Accounting Pronouncement

Recent Accounting Pronouncements	6 Months Ended
	Jun. 30, 2020
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	Note 2. Recent Accounting Pronouncements ASU 2017-04, Goodwill (Topic 350) Description This guidance, among other things, removes step 2 of the goodwill impairment test thus eliminating the need to determine the fair value of individual assets and liabilities of the reporting unit. Upon adoption of this standard, goodwill impairment will be the amount by which a reporting unit's carrying value exceeds its fair value, not to exceed the carrying amount of goodwill. This may result in more or less impairment being recognized than under the current guidance. Early adoption is permitted for any impairment tests performed after January 1, 2017, applied prospectively. Effective Date January 1, 2020 Effect on the Consolidated Financial Statements The Corporation early adopted the ASU in the fourth quarter of 2018 with the completion of the 2018 impairment analysis. The ASU did not have a material effect on the consolidated financial statements. ASU 2018-14, Disclosure Framework (Topic 715): Changes to the Disclosure Requirements for Defined Benefit Plans Description This ASU makes minor changes to the disclosure requirements for employers that sponsor defined benefit pension and/or other postretirement benefit plans. ASU 2018-14 is effective for fiscal years ending after December 15, 2020; early adoption is permitted. Effective Date January 1, 2020 Effect on the Consolidated Financial Statements The Corporation adopted the provisions of the ASU on January 1, 2020. As the ASU only revised disclosure requirements, it did not have a material effect on the consolidated financial statements. Recently issued but not yet effective accounting standards ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments Description This standard requires credit losses on most financial assets measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (CECL) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The ASU replaces the current accounting model for purchased credit impaired loans and debt securities. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (“PCD assets”), should be determined in a similar manner to other financial assets measured on an amortized cost basis. However, upon initial recognition, the allowance for credit losses is added to the purchase price to determine the initial amortized cost basis. The subsequent accounting for PCD financial assets is the same expected loss model described above. Effective Date January 1, 2023 Effect on the Consolidated Financial Statements We have formed an implementation team led by the Corporation's Risk Management function. The team is reviewing the requirements of the ASU and evaluating methods and models for implementation. The new standard will result in earlier recognition of additions to the allowance for loan losses and possibly a larger allowance for loan loss balance with a corresponding increase in the provision for loan losses in results of operations; however, the Corporation is continuing to evaluate the impact of the pending adoption of the new standard on its consolidated financial statements. A third-party vendor has been selected to assist with the CECL calculations and the implementation process has started. The Corporation expects to be able to run the CECL model in test mode in 2020. ASU 2019-05, Financial Instruments - Credit Losses (Topic 326):Targeted Transition Relief Description This ASU allows entities to irrevocably elect, upon adoption of ASU 2016-13, the fair value option on financial instruments that (1) were previously recorded at amortized cost and (2) are within the scope of ASC 326-20 if the instruments are eligible for the fair value option under ASC 825-10. The fair value option election does not apply to held-to-maturity debt securities. Entities are required to make this election on an instrument-by-instrument basis. ASU 2019-05 has the same effective date as ASU 2016-13. On October 16,2019, FASB approved its August 2019 proposal to grant certain small public companies a delay in the effective date of ASU 2016-13. For the Corporation, the delay makes the ASU effective January 2023. Since the Corporation currently meets the SEC definition of a small reporting company, the delay will be application to the Corporation. Early adoption is permitted. Effective Date January 1, 2023 Effect on the Consolidated Financial Statements The Corporation will continue to review the ASU as part of its adoption of ASU 2016-13.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	6 Months Ended
	Jun. 30, 2020
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss	Note 3. Accumulated Other Comprehensive Loss The components of accumulated other comprehensive losses, net of income tax effects, included in shareholders' equity are as follows: Unrealized Gains and Losses on Available-for-sale Defined Benefit (Dollars in thousands) Securities Pension Items Total June 30, 2020 Beginning Balance $ 185 $ ( 6,171 ) $ ( 5,986 ) Other comprehensive income before reclassification 5,253 — 5,253 Amounts reclassified from accumulated other comprehensive income 8 — 8 Current period other comprehensive income 5,261 — 5,261 Ending balance $ 5,446 $ ( 6,171 ) $ ( 725 ) June 30, 2019 Beginning Balance $ ( 870 ) $ ( 5,510 ) $ ( 6,380 ) Other comprehensive income before reclassification 2,082 — 2,082 Amounts reclassified from accumulated other comprehensive income ( 200 ) — ( 200 ) Current period other comprehensive income 1,882 — 1,882 Ending balance $ 1,012 $ ( 5,510 ) $ ( 4,498 )

Investments

Investments	6 Months Ended
	Jun. 30, 2020
Investments [Abstract]
Investments	Note 4. Investments Available for Sale (AFS) Securities The amortized cost and estimated fair value of AFS securities as of June 30, 2020 and December 31, 2019 are as follows : (Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair June 30, 2020 cost gains losses value U.S. Government and Agency securities $ 12,240 $ 41 $ ( 65 ) $ 12,216 Municipal securities 168,929 6,463 ( 177 ) 175,215 Trust preferred and Corporate securities 5,258 — ( 411 ) 4,847 Agency mortgage-backed securities 63,800 1,925 ( 59 ) 65,666 Private-label mortgage-backed securities 4,223 18 ( 33 ) 4,208 Asset-backed securities 24,872 42 ( 849 ) 24,065 $ 279,322 $ 8,489 $ ( 1,594 ) $ 286,217 (Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair December 31, 2019 cost gains losses value U.S. Government and Agency securities $ 8,418 $ 30 $ ( 20 ) $ 8,428 Municipal securities 90,865 1,418 ( 997 ) 91,286 Trust preferred and Corporate securities 4,097 — ( 130 ) 3,967 Agency mortgage-backed securities 58,503 435 ( 234 ) 58,704 Private-label mortgage-backed securities 398 31 — 429 Asset-backed securities 24,918 6 ( 305 ) 24,619 $ 187,199 $ 1,920 $ ( 1,686 ) $ 187,433 At June 30, 2020 and December 31, 2019, the fair value of AFS securities pledged to secure public funds and trust deposits totaled $ 91.8 million and $ 107.1 million, respectively. The amortized cost and estimated fair value of debt securities at June 30, 2020 , by contractual maturity are shown below. Actual maturities may differ from contractual maturities because of prepayment or call options embedded in the securities. Securities not due at a single maturity date are presented separately. (Dollars in thousands) Amortized cost Fair value Due in one year or less $ 8,777 $ 8,829 Due after one year through five years 21,363 21,739 Due after five years through ten years 117,891 122,307 Due after ten years 38,396 39,403 186,427 192,278 Mortgage-backed and asset-backed securities 92,895 93,939 $ 279,322 $ 286,217 The composition of the net realized gains on AFS securities for the three and six months ended are as follows: For the Three Months Ended For the Six Months Ended June 30, June 30, (Dollars in thousands) 2020 2019 2020 2019 Proceeds $ — $ 14,906 $ 165 $ 18,781 Gross gains realized — 248 — 281 Gross losses realized — ( 19 ) ( 10 ) ( 28 ) Net gains (losses) realized $ — $ 229 $ ( 10 ) $ 253 Tax (provision) benefit on net gains (losses) realized $ — $ ( 48 ) $ 2 $ ( 53 ) Impairment : The AFS securities portfolio contained 85 securities with $ 73.4 million of temporarily impaired fair value and $ 1.6 million in unrealized losses at June 30, 2020. The total unrealized loss position has decreased $ 92 thousand since year-end 2019. For securities with an unrealized loss, Management applies a systematic methodology in order to perform an assessment of the potential for other-than-temporary impairment. In the case of debt securities, investments considered for other-than-temporary impairment: (1) had a specified maturity or repricing date; (2) were generally expected to be redeemed at par, and (3) were expected to achieve a recovery in market value within a reasonable period of time. In addition, the Bank considers whether it intends to sell these securities or whether it will be forced to sell these securities before the earlier of amortized cost recovery or maturity. The impairment identified on debt securities and subject to assessment at June 30, 2020, was deemed to be temporary and required no further adjustments to the financial statements, unless otherwise noted. The following table reflects temporary impairment in the AFS portfolio, aggregated by investment category, length of time that individual securities have been in a continuous unrealized loss position and the number of securities in each category as of June 30, 2020 and December 31, 2019: June 30, 2020 Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) Value Losses Count Value Losses Count Value Losses Count U.S. Government and Agency securities $ 6,792 $ ( 47 ) 9 $ 1,983 $ ( 18 ) 8 $ 8,775 $ ( 65 ) 17 Municipal securities 20,183 ( 150 ) 19 773 ( 27 ) 1 20,956 ( 177 ) 20 Trust preferred and Corporate securities 865 ( 95 ) 1 2,832 ( 316 ) 4 3,697 ( 411 ) 5 Agency mortgage-backed securities 11,872 ( 47 ) 12 2,759 ( 12 ) 4 14,631 ( 59 ) 16 Private-label mortgage-backed securities 3,881 ( 33 ) 1 — — — 3,881 ( 33 ) 1 Asset-backed securities 14,113 ( 529 ) 15 7,335 ( 320 ) 11 21,448 ( 849 ) 26 Total temporarily impaired securities $ 57,706 $ ( 901 ) 57 $ 15,682 $ ( 693 ) 28 $ 73,388 $ ( 1,594 ) 85 December 31, 2019 Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) Value Losses Count Value Losses Count Value Losses Count U.S. Government and Agency securities $ 2,559 $ ( 12 ) 6 $ 1,335 $ ( 8 ) 7 $ 3,894 $ ( 20 ) 13 Municipal securities 38,874 ( 966 ) 40 2,655 ( 31 ) 4 41,529 ( 997 ) 44 Trust preferred and Corporate securities — — — 3,967 ( 130 ) 5 3,967 ( 130 ) 5 Agency mortgage-backed securities 21,185 ( 185 ) 32 6,555 ( 49 ) 22 27,740 ( 234 ) 54 Asset-backed securities 17,644 ( 128 ) 19 5,669 ( 177 ) 9 23,313 ( 305 ) 28 Total temporarily impaired securities $ 80,262 $ ( 1,291 ) 97 $ 20,181 $ ( 395 ) 47 $ 100,443 $ ( 1,686 ) 144 The following table represents the cumulative credit losses on AFS securities recognized in earnings for: Six Months Ended (Dollars in thousands) June 30, 2020 2019 Balance of cumulative credit-related OTTI at January 1 $ 272 $ 272 Additions for credit-related OTTI not previously recognized — — Additional increases for credit-related OTTI previously recognized when there is no intent to sell and no requirement to sell before recovery of amortized cost basis — — Decreases for previously recognized credit-related OTTI because there was an intent to sell — — Reduction for increases in cash flows expected to be collected — — Balance of credit-related OTTI at June 30 $ 272 $ 272 Equity Securities at Fair Value The Corporation owns one equity investment. At June 30, 2020 and December 31, 2019, this investment was reported at fair value of $ 340 thousand and $ 440 thousand, respectively, with changes in value reported through income.

Loans

Loans	6 Months Ended
	Jun. 30, 2020
Loans [Abstract]
Loans	Note 5. Loans The Bank reports its loan portfolio based on the primary collateral of the loan. It further classifies these loans by the primary purpose, either consumer or commercial. The Bank’s residential real estate loans include long-term loans to individuals and businesses secured by mortgages on the borrower’s real property and include home equity loans. Construction loans are made to finance the purchase of land and the construction of residential and commercial buildings thereon and are secured by mortgages on real estate. Commercial real estate loans include construction, owner and non-owner occupied properties and farm real estate. Commercial loans are made to businesses of various sizes for a variety of purposes including property, plant and equipment, working capital and loans to government municipalities. Commercial lending is concentrated in the Bank’s primary market, but also includes purchased loan participations. Consumer loans are comprised of installment loans and unsecured personal lines of credit. Each class of loans involves a different kind of risk. However, risk factors such as changes in interest rates, general economic conditions and changes in collateral values are common across all classes. The risk of each loan class is presented below. Residential Real Estate 1-4 family The largest risk in residential real estate loans to retail customers is the borrower’s inability to repay the loan due to the loss of the primary source of income. The Bank attempts to mitigate this risk through prudent underwriting standards including employment history, current financial condition and credit history. These loans are generally owner occupied and serve as the borrower’s primary residence. Commercial purpose loans, secured by residential real estate, are usually dependent upon repayment from the rental income or other business purposes. These loans are generally non-owner occupied. In addition to the real estate collateral, these loans may have personal guarantees or UCC filings on other business assets. If a payment default occurs on a 1-4 family residential real estate loan, the collateral serves as a source of repayment, but may be subject to a change in value due to economic conditions. Residential Real Estate Construction This class includes loans to individuals for construction of a primary residence and to contractors and developers to improve real estate and construct residential properties. Construction loans to individuals generally bear the same risk as 1-4 family residential loans. Additional risks may include cost overruns, delays in construction or contractor problems. Loans to contractors and developers are primarily dependent on the sale of improved lots or finished homes for repayment. Risks associated with these loans include the borrower’s character and capacity to complete a development, the effect of economic conditions on the valuation of lots or homes, cost overruns, delays in construction or contractor problems. In addition to real estate collateral, these loans may have personal guarantees or UCC filings on other business assets, depending on the financial strength and experience of the developer. Real estate construction loans are monitored on a regular basis by either an independent third party or the responsible loan officer, depending on the size and complexity of the project. This monitoring process includes at a minimum, the submission of invoices or AIA documents detailing the cost incurred by the borrower, on-site inspections, and an authorizing signature for disbursement of funds. Commercial Real Estate Commercial real estate loans may be secured by various types of commercial property including retail space, office buildings, warehouses, hotels and motel, manufacturing facilities and, agricultural land. Commercial real estate loans present a higher level of risk than residential real estate loans. Repayment of these loans is normally dependent on cash-flow generated by the operation of a business that utilizes the real estate. The successful operation of the business, and therefore repayment ability, may be affected by general economic conditions outside of the control of the operator. On most commercial real estate loans ongoing monitoring of cash flow and other financial performance indictors is completed annually through financial statement analysis. In addition, the value of the collateral may be negatively affected by economic conditions and may be insufficient to repay the loan in the event of default. In the event of foreclosure, commercial real estate may be more difficult to liquidate than residential real estate. Commercial Commercial loans are made for various business purposes to finance equipment, inventory, accounts receivables, and operating liquidity. These loans are generally secured by business assets or equipment, non-real estate collateral and/or personal guarantees. Commercial loans present a higher level of credit risk than other loans because repayment ability is usually dependent on cash-flow from a business operation that can be affected by general economic conditions. On most Commercial loans ongoing monitoring of cash flow and other financial performance indictors at least annually through financial statement analysis. In the event of a default, collateral for these loans may be more difficult to liquidate, and the valuation of the collateral may decline more quickly than loans secured by other types of collateral. Loans to governmental municipalities are also included in the Commercial class. These loans generally have less risk than C&I loans due to the taxing authority of the municipality and its ability to assess fees on services. Consumer These loans are made for a variety of reasons to consumers and include term loans and personal lines-of credit. The loans may be secured or unsecured. Repayment is primarily dependent on the income of the borrower and to a lesser extent the sale of collateral. The underwriting of these loans is based on the consumer’s ability and willingness to repay and is determined by the borrower’s employment history, current financial condition and credit background. Collateral for these loans, if any, usually depreciates quickly and therefore, may not be adequate to repay the loan if it is repossessed. Therefore, the overall health of the economy, including unemployment rates and wages, will have an effect on the credit quality in this loan class. A summary of loans outstanding, by class, at the end of the reporting periods is as follows: June 30, December 31, (Dollars in thousands) 2020 2019 Residential Real Estate 1-4 Family Consumer first liens $ 80,774 $ 85,319 Commercial first lien 62,158 57,627 Total first liens 142,932 142,946 Consumer junior liens and lines of credit 49,741 42,715 Commercial junior liens and lines of credit 5,092 4,882 Total junior liens and lines of credit 54,833 47,597 Total residential real estate 1-4 family 197,765 190,543 Residential real estate - construction Consumer 4,314 4,107 Commercial 9,263 9,216 Total residential real estate construction 13,577 13,323 Commercial real estate 497,682 494,262 Commercial 296,432 230,007 Total commercial 794,114 724,269 Consumer 6,682 6,440 1,012,138 934,575 Less: Allowance for loan losses ( 16,555 ) ( 11,966 ) Net Loans $ 995,583 $ 922,609 Included in the loan balances are the following: Net unamortized deferred loan (fees) costs $ (1,199) $ 178 Paycheck Protection Program (PPP) loans (included in Commercial loans above) Two-year loans $ 62,080 $ — Five-year loans 433 — Total Paycheck Protection Program loans $ 62,513 $ — Unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above) Two-year loans $ (2,120) $ — Five-year loans (22) — Total unamortized deferred loan fees $ (2,142) $ — Loans pledged as collateral for borrowings and commitments from: FHLB $ 831,810 $ 764,340 Federal Reserve Bank 49,815 32,155 $ 881,625 $ 796,495

Loan Quality And Allowance For

Loan Quality And Allowance For Loan Losses	6 Months Ended
	Jun. 30, 2020
Loan Quality And Allowance For Loan Losses [Abstract]
Loan Quality And Allowance For Loan Losses	Note 6. Loan Quality and Allowance for Loan Losses The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods shown: Residential Real Estate 1-4 Family First Junior Liens & Commercial (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total ALL at March 31, 2020 $ 563 $ 178 $ 269 $ 8,249 $ 4,713 $ 98 $ 660 $ 14,730 Charge-offs — — — — ( 145 ) ( 29 ) — ( 174 ) Recoveries 1 — — — 19 4 — 24 Provision 16 19 ( 27 ) 588 1,258 32 89 1,975 ALL at June 30, 2020 $ 580 $ 197 $ 242 $ 8,837 $ 5,845 $ 105 $ 749 $ 16,555 ALL at December 31, 2019 $ 416 $ 119 $ 187 $ 6,607 $ 4,021 $ 84 $ 532 $ 11,966 Charge-offs — — — — ( 365 ) ( 59 ) — ( 424 ) Recoveries 4 — — — 24 10 — 38 Provision 160 78 55 2,230 2,165 70 217 4,975 ALL at June 30, 2020 $ 580 $ 197 $ 242 $ 8,837 $ 5,845 $ 105 $ 749 $ 16,555 ALL at March 31, 2019 $ 487 $ 132 $ 154 $ 6,470 $ 4,801 $ 72 $ 565 $ 12,681 Charge-offs ( 1 ) — — ( 123 ) ( 14 ) ( 25 ) — ( 163 ) Recoveries 2 1 — 20 9 3 — 35 Provision ( 51 ) ( 20 ) 10 85 ( 63 ) 45 ( 6 ) - ALL at June 30, 2019 $ 437 $ 113 $ 164 $ 6,452 $ 4,733 $ 95 $ 559 $ 12,553 ALL at December 31, 2018 $ 491 $ 133 $ 110 $ 6,278 $ 4,783 $ 70 $ 550 $ 12,415 Charge-offs ( 34 ) ( 1 ) ( 3 ) ( 186 ) ( 75 ) ( 51 ) — ( 350 ) Recoveries 3 1 — 21 51 13 — 89 Provision ( 23 ) ( 20 ) 57 339 ( 26 ) 63 9 399 ALL at June 30, 2019 $ 437 $ 113 $ 164 $ 6,452 $ 4,733 $ 95 $ 559 $ 12,553 The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of June 30, 2020 and December 31, 2019: Residential Real Estate 1-4 Family First Junior Liens & Commercial (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total June 30, 2020 Loans evaluated for ALL: Individually $ 648 $ — $ 518 $ 11,127 $ — $ — $ — $ 12,293 Collectively 142,284 54,833 13,059 486,555 296,432 6,682 — 999,845 Total $ 142,932 $ 54,833 $ 13,577 $ 497,682 $ 296,432 $ 6,682 $ — $ 1,012,138 ALL established for loans evaluated: Individually $ — $ — $ — $ — $ — $ — $ — $ — Collectively 580 197 242 8,837 5,845 105 749 16,555 ALL at June 30, 2020 $ 580 $ 197 $ 242 $ 8,837 $ 5,845 $ 105 $ 749 $ 16,555 December 31, 2019 Loans evaluated for ALL: Individually $ 659 $ — $ 523 $ 10,994 $ — $ — $ — $ 12,176 Collectively 142,287 47,597 12,800 483,268 230,007 6,440 — 922,399 Total $ 142,946 $ 47,597 $ 13,323 $ 494,262 $ 230,007 $ 6,440 $ — $ 934,575 ALL established for loans evaluated: Individually $ — $ — $ — $ — $ — $ — $ — $ — Collectively 416 119 187 6,607 4,021 84 532 11,966 ALL at December 31, 2019 $ 416 $ 119 $ 187 $ 6,607 $ 4,021 $ 84 $ 532 $ 11,966 The following table shows additional information about those loans considered to be impaired at June 30, 2020 and December 31, 2019: Impaired Loans With No Allowance With Allowance (Dollars in thousands) Unpaid Unpaid Recorded Principal Recorded Principal Related June 30, 2020 Investment Balance Investment Balance Allowance Residential Real Estate 1-4 Family First liens $ 648 $ 648 $ — $ — $ — Junior liens and lines of credit — — — — — Total 648 648 — — — Residential real estate - construction 518 729 — — — Commercial real estate 11,127 12,259 — — — Commercial — — — — — Total $ 12,293 $ 13,636 $ — $ — $ — December 31, 2019 Residential Real Estate 1-4 Family First liens $ 659 $ 659 $ — $ — $ — Junior liens and lines of credit — — — — — Total 659 659 — — — Residential real estate - construction 523 729 — — — Commercial real estate 10,994 12,096 — — — Commercial — — — — — Total $ 12,176 $ 13,484 $ — $ — $ — The following table shows the average of impaired loans and related interest income for the three and six months ended June 30, 2020 and 2019: Three Months Ended Six Months Ended June 30, 2020 June 30, 2020 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 651 $ 8 $ 653 $ 19 Junior liens and lines of credit — — — — Total 651 8 653 19 Residential real estate - construction 520 — 521 — Commercial real estate 11,179 93 11,039 187 Commercial — — — — Total $ 12,350 $ 101 $ 12,213 $ 206 Three Months Ended Six Months Ended June 30, 2019 June 30, 2019 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 779 $ 11 $ 813 $ 21 Junior liens and lines of credit 26 1 35 1 Total 805 12 848 22 Residential real estate - construction 651 — 652 — Commercial real estate 13,242 102 13,368 204 Commercial 147 — 138 — Total $ 14,845 $ 114 $ 15,006 $ 226 The following table presents the aging of payments of the loan portfolio : (Dollars in thousands) Loans Past Due and Still Accruing Total Current 30-59 Days 60-89 Days 90 Days+ Total Non-Accrual Loans June 30, 2020 Residential Real Estate 1-4 Family First liens $ 142,822 $ 42 $ 27 $ — $ 69 $ 41 $ 142,932 Junior liens and lines of credit 54,660 119 28 12 159 14 54,833 Total 197,482 161 55 12 228 55 197,765 Residential real estate - construction 13,059 — — — — 518 13,577 Commercial real estate 493,923 392 — — 392 3,367 497,682 Commercial 296,208 17 — — 17 207 296,432 Consumer 6,661 15 4 2 21 — 6,682 Total $ 1,007,333 $ 585 $ 59 $ 14 $ 658 $ 4,147 $ 1,012,138 December 31, 2019 Residential Real Estate 1-4 Family First liens $ 141,843 $ 646 $ 358 $ 31 $ 1,035 $ 68 $ 142,946 Junior liens and lines of credit 47,420 70 30 46 146 31 47,597 Total 189,263 716 388 77 1,181 99 190,543 Residential real estate - construction 12,800 — — — — 523 13,323 Commercial real estate 490,114 813 326 — 1,139 3,009 494,262 Commercial 229,659 31 120 — 151 197 230,007 Consumer 6,397 25 18 — 43 — 6,440 Total $ 928,233 $ 1,585 $ 852 $ 77 $ 2,514 $ 3,828 $ 934,575 The following table reports the risk rating for those loans in the portfolio that are assigned an individual risk rating. Consumer purpose loans are assigned a rating of either pass or substandard based on the performance status of the loans. Substandard consumer loans are comprised of loans 90 days or more past due and still accruing, and nonaccrual loans. Commercial purpose loans may be assigned any rating in accordance with the Bank’s internal risk rating system. Approximately $ 57 million of hotel portfolio loans were moved to Pass-watch (5) rating at June 30, 2020. The entire hotel portfolio of approximately $ 70 million at June 30, 2020 is now rated no better than Pass-watch (5). Pass OAEM Substandard Doubtful (Dollars in thousands) (1-5) (6) (7) (8) Total June 30, 2020 Residential Real Estate 1-4 Family First liens $ 142,891 $ — $ 41 $ — $ 142,932 Junior liens and lines of credit 54,807 — 26 — 54,833 Total 197,698 — 67 — 197,765 Residential real estate - construction 13,059 — 518 — 13,577 Commercial real estate 487,112 5,983 4,587 — 497,682 Commercial 296,055 — 377 — 296,432 Consumer 6,679 — 3 — 6,682 Total $ 1,000,603 $ 5,983 $ 5,552 $ — $ 1,012,138 December 31, 2019 Residential Real Estate 1-4 Family First liens $ 142,847 $ — $ 99 $ — $ 142,946 Junior liens and lines of credit 47,520 — 77 — 47,597 Total 190,367 — 176 — 190,543 Residential real estate - construction 12,800 — 523 — 13,323 Commercial real estate 483,878 5,875 4,509 — 494,262 Commercial 229,465 4 538 — 230,007 Consumer 6,440 — — — 6,440 Total $ 922,950 $ 5,879 $ 5,746 $ — $ 934,575 The following table presents information on the Bank’s Troubled Debt Restructuring (TDR) loans as of: Troubled Debt Restructurings Within the Last 12 Months That Have Defaulted (Dollars in thousands) Troubled Debt Restructurings On Modified Terms Number of Recorded Number of Recorded Contracts Investment Performing* Nonperforming* Contracts Investment June 30, 2020 Residential real estate - construction 1 $ 440 $ 440 $ — — $ — Residential real estate 4 648 648 — — — Commercial real estate 11 9,089 8,771 318 — — Total 16 $ 10,177 $ 9,859 $ 318 — $ — December 31, 2019 Residential real estate - construction 1 $ 444 $ 444 $ — — $ — Residential real estate 4 659 659 — — — Commercial real estate 11 9,343 9,343 — — — Total 16 $ 10,446 $ 10,446 $ — — $ — * The performing status is determined by the loan’s compliance with the modified terms . There were no new TDR loans during 2020 or 2019 . Loans that have been modified on a good-faith basis in response to COVID-19 to borrowers who were classified as current prior to any relief are not TDRs as outlined in the March 22, 2020 Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus . Such short-term modifications (e.g., six months ) may include payment deferrals, fee waivers, extension of payment terms or other delays in payment that are insignificant. As of June 30, 2020, the Bank has granted approximately $ 196 million loan deferrals or modifications (approximately 19 % of gross loans).

Leases

Leases	6 Months Ended
	Jun. 30, 2020
Leases [Abstract]
Leases	Note 7. Leases The Corporation leases various assets in the course of its operations that are subject to recognition on the balance sheet. The Corporation considers all of its leases to be operating leases and it has no finance leases. The leased assets are comprised of equipment, and buildings and land (collectively real estate). The equipment leases are shorter-term than the real estate leases, and generally have a fixed payment over a defined term without renewal options. Certain equipment leases have purchase options and it was determined the option was not reasonably certain to be exercised. The real estate leases are longer-term and may contain renewal options after the initial term, but none of the real estate leases contain a purchase option. The renewal options on real estate leases were reviewed and if it was determined the option was reasonably certain to be renewed, the option term was considered in the determination of the lease liability. There is only one real estate lease with a variable payment based on an index included in the lease liability. None of the leases contain any restrictive covenants and there are no significant leases that have not yet commenced. The discount rate used to determine the lease liability is based on the Bank’s fully secured borrowing rate from the Federal Home Loan Bank for a term similar to the lease term. Operating lease expense is included in net occupancy expense in the consolidated statements of income. Lease costs: The components of total lease cost were as follows: Three Months Ended Three Months Ended Six Months Ended Six Months Ended (Dollars in thousands) June 30, 2020 June 30, 2019 June 30, 2020 June 30, 2019 Operating lease cost $ 159 $ 184 $ 317 $ 372 Short-term lease cost 1 3 3 9 Variable lease cost 14 12 28 23 Total lease cost $ 174 $ 199 $ 348 $ 404 Supplemental Lease Information: Six Months Ended Six Months Ended (Dollars in thousands) June 30, 2020 June 30, 2019 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 304 $ 249 Weighted-average remaining lease term (years) 12.7 13.0 Weighted-average discount rate 3.54 % 3.51 % Lease Obligations: Future undiscounted lease payments for operating leases with initial terms of one year or more as of June 30, 2020 are as follows: (Dollars in thousands) 2020 $ 286 2021 558 2022 546 2023 551 2024 525 2025 and beyond 3,876 Undiscounted cash flow 6,342 Imputed Interest ( 1,290 ) Total lease liability $ 5,052

Other Real Estate Owned

Other Real Estate Owned	6 Months Ended
	Jun. 30, 2020
Other Real Estate Owned [Abstract]
Other Real Estate Owned	Note 8. Other Real Estate Owned Changes in other real estate owned were as follows: Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2020 2019 2020 2019 Balance at beginning of the period $ — $ 2,684 $ — $ 2,684 Additions — — — — Proceeds from dispositions — — — — Gains on sales, net — — — — Valuation adjustment — — — — Balance at the end of the period $ — $ 2,684 $ — $ 2,684

Derivatives

Derivatives	6 Months Ended
	Jun. 30, 2020
Derivatives [Abstract]
Derivatives	Note 9. Derivatives The Corporation is exposed to certain risks arising from both its business operations and economic conditions. The Corporation principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Corporation manages economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of its assets and liabilities.  The Corporation’s existing credit derivatives result from participations in interest rate swaps provided by external lenders as part of loan participation arrangements, therefore, are not used to manage interest rate risk in the Corporation’s assets or liabilities. Derivatives not designated as hedges are not speculative and result from a service the Corporation provides to certain lenders which participate in loans.  The table below presents the fair value of the Corporation’s derivative financial instruments as well as their classification on the Balance Sheet. Fair Value of Derivative Instruments Derivative Liabilities (Dollars in thousands) June 30, 2020 June 30, 2019 Notional amount Balance Sheet Location Fair Value Notional amount Balance Sheet Location Fair Value Derivatives not designated as hedging instruments Other Contracts 6,924 Other Liabilities $ 55 — Other Liabilities $ — Total derivatives not designated as hedging instruments $ 55 $ — The table below presents the effect of the Corporation’s derivative financial instruments that are not designated as hedging instruments on the Income Statement. Effect of Derivatives Not Designated as Hedging Instruments on the Statement of Financial Performance Derivatives Not Designated as Hedging Instruments under Subtopic 815-20 Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivatives (Dollars in thousands) Three Months Ended Six Months Ended June 30, 2020 June 30, 2019 June 30, 2020 June 30, 2019 Other Contracts Other income/(expense) $ - $ - $ ( 36 ) $ - As of June 30, 2020, the fair value of derivatives in a net liability position, which includes accrued interest but excludes any adjustment for nonperformance risk, related to these agreements was $ 55 thousand.

Pension

Pension	6 Months Ended
	Jun. 30, 2020
Pension [Abstract]
Pension	Note 10. Pension The components of pension expense for the periods presented are as follows: Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2020 2019 2020 2019 Components of net periodic cost: Service cost $ 83 $ 82 $ 166 $ 161 Interest cost 131 157 262 315 Expected return on plan assets ( 269 ) ( 272 ) ( 539 ) ( 542 ) Recognized net actuarial loss 226 133 452 286 Total pension expense $ 171 $ 100 $ 341 $ 220 The Bank expects its pension expense to increase to approximately $ 680 thousand in 2020 compared to $ 421 thousand in 2019, due primarily to increases in recognized net actuarial losses. The service cost component of pension expense is in the salaries and employee benefits line on the income statement. All other cost components are in the other expense line on the income statement.

Fair Value Measurements And Fai

Fair Value Measurements And Fair Values Of Financial Instruments	6 Months Ended
	Jun. 30, 2020
Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]
Fair Value Measurements And Fair Values Of Financial Instruments	Note 11. Fair Value Measurements and Fair Values of Financial Instruments Management uses its best judgment in estimating the fair value of the Corporation’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Corporation could have realized in a sales transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective period-ends and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates maybe different than the amounts reported at each year-end. The Corporation uses the exit price notion to measure the fair value of financial instruments. FASB ASC Topic 820, “Financial Instruments”, requires disclosure of the fair value of financial assets and liabilities, including those financial assets and liabilities that are not measured and reported at fair value on a recurring and nonrecurring basis. The Corporation does not report any nonfinancial assets at fair value. FASB ASC Topic 820 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC Topic 820 are as follows: Level 1 : Valuation is based on unadjusted, quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. Level 2 : Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. There may be substantial differences in the assumptions used for securities within the same level. For example, prices for U.S. Agency securities have fewer assumptions and are closer to level 1 valuations than the private label mortgage backed securities that require more assumptions and are closer to level 3 valuations. Level 3 : Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Corporation’s assumptions regarding what market participants would assume when pricing a financial instrument. An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The following information regarding the fair value of the Corporation’s financial instruments should not be interpreted as an estimate of the fair value of the entire Corporation since a fair value calculation is only provided for a limited portion of the Corporation’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Corporation’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Corporation’s financial instruments measured at fair value on a recurring and nonrecurring basis. Equity Securities : Equity securities are valued using quoted market prices from nationally recognized markets (Level 1). Equity securities are measured at fair value on a recurring basis. Investment securities : Fair values of investment securities available-for-sale were primarily measured using information from a third-party pricing service. This service provides pricing information by utilizing evaluated pricing models supported with market data information. Standard inputs include benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data from market research publications. Level 2 investment securities are primarily comprised of debt securities issued by states and municipalities, corporations, mortgage-backed securities issued by government agencies, and government-sponsored enterprises. Fair values were estimated primarily by obtaining quoted prices for similar assets in active markets or through the use of pricing models. Investment securities are measured at fair value on a recurring basis. Impaired Loans : The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals conducted by an independent, licensed appraiser, less cost to sell. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach (Level 2). If the appraiser makes an adjustment to account for differences between the comparable sales and income data available for similar loans, or if management adjusts the appraised value, then the fair value is considered Level 3. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted in accordance with the allowance policy. No partial charge-offs on impaired loans were taken in the second quarter of 2020. Impaired loans are measured at fair value on a nonrecurring basis. Recurring Fair Value Measurements For financial assets and liabilities measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at June 30, 2020 and December 31, 2019 are as follows: (Dollars in thousands) Fair Value at June 30, 2020 Asset Description Level 1 Level 2 Level 3 Total Equity securities, at fair value $ 340 $ — $ — $ 340 Available for sale: U.S. Government and Agency securities — 12,216 — 12,216 Municipal securities — 175,215 — 175,215 Trust preferred and Corporate securities — 4,847 — 4,847 Agency mortgage-backed securities — 65,666 — 65,666 Private-label mortgage-backed securities — 4,208 — 4,208 Asset-backed securities — 24,065 — 24,065 Total assets $ 340 $ 286,217 $ — $ 286,557 (Dollars in thousands) Fair Value at December 31, 2019 Asset Description Level 1 Level 2 Level 3 Total Equity securities, at fair value $ 440 $ — $ — $ 440 Available for sale: U.S. Government and Agency securities — 8,428 — 8,428 Municipal securities — 91,286 — 91,286 Trust preferred and Corporate securities — 3,967 — 3,967 Agency mortgage-backed securities — 58,704 — 58,704 Private-label mortgage-backed securities — 429 — 429 Asset-backed securities — 24,619 — 24,619 Total assets $ 440 $ 187,433 $ — $ 187,873 Nonrecurring Fair Value Measurements There were no assets measured at fair value on a nonrecurring basis as June 30, 2020 and the following table presents the fair value measurement by level within the fair value hierarchy used at December 31, 2019: (Dollars in Thousands) Fair Value at December 31, 2019 Asset Description Level 1 Level 2 Level 3 Total Impaired loans (1) $ — $ — $ 1,080 $ 1,080 Total assets $ — $ — $ 1,080 $ 1,080 (1) Includes assets directly charged-down to fair value during the year-to-date period. The Corporation did no t record any liabilities at fair value for which measurement of the fair value was made on a nonrecurring basis at June 30, 2020. For financial assets and liabilities measured at fair value on a recurring basis, there were no transfers of financial assets or liabilities between Level 1 and Level 2 during the period ending June 30, 2020. There were no assets measured at fair value on a nonrecurring basis at June 30, 2020 and the following table presents additional quantitative information about Level 3 assets measured at fair value on a nonrecurring basis at December 31, 2019: (Dollars in thousands) Range December 31, 2019 Fair Value Valuation Technique Unobservable Input Weighted Average Impaired loans $ 1,080 Appraisal Appraisal Adjustments 0 % - 100 % ( 48 %) (1) Includes assets directly charged-down to fair value during the year-to-date period. The carrying amounts and estimated fair value of financial instruments not carried at fair value are as follows: June 30, 2020 Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial assets, carried at cost: Cash and cash equivalents $ 58,599 $ 58,599 $ 58,599 $ — $ — Long-term interest-bearing deposits in other banks 13,985 13,985 13,985 — — Loans held for sale 5,255 5,255 — 5,255 — Net loans 995,583 999,734 — — 999,734 Accrued interest receivable 5,707 5,707 — — 5,707 Financial liabilities: Deposits $ 1,273,353 $ 1,274,134 $ — $ 1,274,134 $ — Accrued interest payable 258 258 — 258 — December 31, 2019 Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial assets, carried at cost: Cash and cash equivalents $ 83,828 $ 83,828 $ 83,828 $ — $ — Long-term interest-bearing deposits in other banks 8,746 8,746 8,746 — — Loans held for sale 2,040 2,040 — 2,040 — Net loans 922,609 918,640 — — 918,640 Accrued interest receivable 3,845 3,845 — — 3,845 Financial liabilities: Deposits $ 1,125,392 $ 1,125,877 $ — $ 1,125,877 $ — Accrued interest payable 436 436 — 436 —

Capital Ratios

Capital Ratios	6 Months Ended
	Jun. 30, 2020
Capital Ratios [Abstract]
Capital Ratios	Note 12. Capital Ratios Capital adequacy is currently defined by regulatory agencies through the use of several minimum required ratios. The capital ratios to be considered “well capitalized” are: (1) Common Equity Tier 1 (CET1) of 6.5 %, (2) Tier 1 Leverage of 5 %, (3) Tier 1 Risk-Based Capital of 8 %, and (4) Total Risk-Based Capital of 10 %. In addition, a capital conservation buffer of 2.50 % is applicable to all of the capital ratios except for the Tier 1 Leverage ratio. The capital conservation buffer is equal to the lowest value of the three applicable capital ratios less the regulatory minimum for each respective capital measurement. The Bank’s capital conservation buffer at June 30, 2020 was 7.64 % (total risk-based capital 15.64 % less 8.00 %) compared to the 2020 regulatory buffer of 2.50 %. Compliance with the capital conservation buffer is required in order to avoid limitations to certain capital distributions and is in addition to the minimum required capital requirements. As of June 30, 2020, the Bank was “well capitalized”. In 2019, the Community Bank Leverage Ratio (CBLR) was approved by federal banking agencies as an optional capital measure available to Qualifying Community Banking Organizations (QCBO). If a bank qualifies as a QCBR and maintains a CBLR of 9 % or greater, the bank would be considered “well-capitalized” for regulatory capital purposes and exempt from complying with the risk-based capital rule described above. The CBLR rule took effect January 1, 2020 and banks could opt-in through an election in the first quarter 2020 regulatory filing. The Bank met the criteria of a QCBR but did not opt-in to the CBLR. The Bank is participating in the Paycheck Protection Program (PPP) and the Paycheck Protection Program Liquidity Facility (PPPLF) to fund PPP Loans. In accordance with regulatory guidance, PPP loans pledged as collateral for PPPLF, and PPPLF advances, are excluded from leverage capital ratios. PPP loans will also carry a 0 % risk-weight for risk-based capital rules. The consolidated asset limit on small bank holding companies is $ 3 billion and a company with assets under that limit is not subject to the consolidated capital rules but may file reports that include capital amounts and ratios. The Corporation has elected to file those reports. The following table summarizes the regulatory capital requirements and results as of June 30, 2020 and December 31, 2019 for the Corporation and the Bank: Regulatory Ratios Adequately Well June 30, December 31, Capitalized Capitalized (Dollars in thousands) 2020 2019 Minimum Minimum Common Equity Tier 1 Risk-based Capital Ratio (1) Franklin Financial Services Corporation 14.66 % 14.82 % N/A N/A Farmers & Merchants Trust Company 14.38 % 14.62 % 4.500 % 6.50 % Tier 1 Risk-based Capital Ratio (2) Franklin Financial Services Corporation 14.66 % 14.82 % N/A N/A Farmers & Merchants Trust Company 14.38 % 14.62 % 6.000 % 8.00 % Total Risk-based Capital Ratio (3) Franklin Financial Services Corporation 15.93 % 16.08 % N/A N/A Farmers & Merchants Trust Company 15.64 % 15.87 % 8.000 % 10.00 % Tier 1 Leverage Ratio (4) Franklin Financial Services Corporation 9.22 % 9.72 % N/A N/A Farmers & Merchants Trust Company 9.05 % 9.59 % 4.000 % 5.00 % (1) Common equity Tier 1 capital/ total risk-weighted assets (2) Tier 1 capital / total risk-weighted assets (3) Total risk-based capital / total risk-weighted assets, (4) Tier 1 capital / average quarterly assets

Revenue Recognition

Revenue Recognition	6 Months Ended
	Jun. 30, 2020
Revenue Recognition [Abstract]
Revenue Recognition	Note 13. Revenue Recognition All of the Corporation’s revenue from contracts with customers within the scope of ASC 606 is recognized in non-interest income as presented in our consolidated statements of income. Revenue generating activities that fall within the scope of ASC 606 are described as follows: Investment and Trust Service Fees - these represent fees from wealth management (assets under management), fees from the management and settlement of estates and commissions from the sale of investment and insurance products.  Asset management fees are generally assessed based on a tiered fee schedule, based on the value of assets under management, and are recognized monthly when the service obligation is completed. Fees recognized were $ 1.5 million for the second quarter of 2020 and 2019 and $ 2.8 million year-to-date for 2020 and 2019.  Fees for estate management services are based on the estimated fair value of the estate. These fees are generally recognized monthly over an 18 -month period that Management has determined to represent the average time to fulfill the performance obligations of the contract. Management has the discretion to adjust this time period as needed based upon the nature and complexity of an individual estate. Fees recognized were $ 40 thousand for the second quarter of 2020, compared to $ 84 thousand for the second quarter of 2019 and $ 73 thousand year-to-date in 2020, compared to $ 154 thousand year-to-date in 2019.  Commissions from the sale of investment and insurance products are recognized upon the completion of the transaction. Commissions recognized were $ 49 thousand for the second quarter of 2020, compared to $ 68 thousand for the second quarter 2019 and $ 123 thousand year-to-date for 2020, compared to $ 135 year-to-date in 2019. Loan Service Charges – these represent fees on loans for services or charges that occur after the loan has been booked, for example, late payment fees. These also include fees for mortgages settled for third-party mortgage companies. All of these fees are transactional in nature and are recognized upon completion of the transaction which represents the performance obligation. Deposit Service Charges and Fees – these represent fees from deposit customers for transaction based, account maintenance, and overdraft services. Transaction based fees include, but are not limited to, stop payment fees and overdraft fees. These fees are recognized at the time of the transaction when the performance obligation has been fulfilled. Account maintenance fees and account analysis fee are earned over the course of a month, representing the period of the performance obligation, and are recognized monthly. Debit Card Income – this represents interchange fees from cardholder transactions conducted through the card payment network. Cardholders use the debit card to conduct point-of-sale transactions that produce interchange fees. The fees are transaction based and the fee is recognized with the processing of the transaction. These fees are reported net of cardholder rewards. Other Service Charges and Fees – these are comprised primarily of merchant card fees, credit card fees, ATM surcharges and interchange fees and wire transfer fees. Merchant card fees represent fees the Bank earns from a third party for enrolling a customer in the processor’s program. Credit card fees represent a fee earned by the Bank for a successful referral to a card-issuing company. ATM surcharges and interchange fees are the result of Bank customers conducting ATM transactions that generate fee income and are processed through multiple card networks. All of these fees are transaction based and are recognized at the time of the transaction. Gains/Losses on the Sale of Other Real Estate – these are recognized when control of the property transfers to the buyer. Increases in the cash surrender value of life insurance and security transactions are not within the scope of ASC 606. Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into longer-term revenue contracts with customers, and therefore, does not experience significant contract balances. Contract Acquisition Costs The Corporation expenses all contract acquisition costs as costs are incurred.

Commitments And Contingencies

Commitments And Contingencies	6 Months Ended
	Jun. 30, 2020
Commitments And Contingencies [Abstract]
Commitments And Contingencies	1 Note 14. Commitments and Contingencies In the normal course of business, the Bank is a party to financial instruments that are not reflected in the accompanying financial statements and are commonly referred to as off-balance-sheet instruments. These financial instruments are entered into primarily to meet the financing needs of the Bank’s customers and include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk not recognized in the consolidated balance sheet. The Corporation’s exposure to credit loss in the event of nonperformance by other parties to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contract or notional amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as they do for on-balance-sheet instruments. The Bank had the following outstanding commitments for the periods presented: June 30, December 31, (Dollars in thousands) 2020 2019 Financial instruments whose contract amounts represent credit risk Commercial commitments to extend credit $ 253,981 $ 248,251 Consumer commitments to extend credit (secured) 61,545 56,898 Consumer commitments to extend credit (unsecured) 5,330 5,088 $ 320,856 $ 310,237 Standby letters of credit $ 22,081 $ 26,382 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses with the exception of home equity lines and personal lines of credit and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank, is based on Management’s credit evaluation of the counterparty. Collateral for most commercial commitments varies but may include accounts receivable, inventory, property, plant, and equipment, and income-producing commercial properties. Collateral for secured consumer commitments consists of liens on residential real estate. Standby letters of credit are instruments issued by the Bank, which guarantee the beneficiary payment by the Bank in the event of default by the Bank’s customer in the nonperformance of an obligation or service. Most standby letters of credit are extended for one-year periods. Generally, the credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank holds collateral supporting those commitments for which collateral is deemed necessary primarily in the form of certificates of deposit and liens on real estate. Management believes that the proceeds obtained through a liquidation of such collateral would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees. As of June 30, 2018, the Bank established a $ 2.4 million allowance against letters of credit issued in connection with a commercial borrower that declared bankruptcy. In the first quarter of 2020, the Bank reversed $ 250 thousand of this reserve as one letter of credit was cancelled. At June 30, 2020 this reserve was $ 2.1 million. Except for the liability recorded for standby letters of credit, liabilities for credit loss associated with off-balance sheet commitments were not material at June 30, 2020 and December 31, 2019. Most of the Bank’s business activity is with customers located within its primary market and does not involve any significant concentrations of credit to any one entity or industry. Legal Proceedings The nature of the Corporation’s business generates a certain amount of litigation. We establish accruals for legal proceedings when information related to the loss contingencies represented by those matters indicates both that a loss is probable, and the amount of the loss can be reasonably estimated. When we are able to do so, we also determine estimates of possible losses, whether in excess of any accrued liability or where there is no accrued liability. These assessments are based on our analysis of currently available information and are subject to significant judgment and a variety of assumptions and uncertainties. As new information is obtained, we may change our assessments and, as a result, take or adjust the amounts of our accruals and change our estimates of possible losses or ranges of possible losses. Due to the inherent subjectivity of the assessments and the unpredictability of outcomes of legal proceedings, any amounts that may be accrued or included in estimates of possible losses or ranges of possible losses may not represent the actual loss to the Corporation from any legal proceeding. Our exposure and ultimate losses may be higher, possibly significantly higher, than amounts we may accrue or amounts we may estimate. In management’s opinion, we do not anticipate, at the present time, that the ultimate aggregate liability, if any, arising out of all litigation to which the Corporation is a party at this time will have a material adverse effect on our financial position. We cannot now determine, however, whether or not any claim asserted against us will have a material adverse effect on our results of operations in any future reporting period, which will depend on, amount other things, the amount of loss resulting from the claim and the amount of income otherwise reported for the reporting period. Thus, at June 30, 2020, we are unable to provide an evaluation of the likelihood of an unfavorable outcome or an estimate of the amount or range of potential loss with respect to such other matters and, accordingly, have not yet established any specific accrual for such other matters. No material proceedings are pending or are known to be threatened or contemplated against us by governmental authorities.

Risk Factors

Risk Factors	6 Months Ended
	Jun. 30, 2020
Risk Factors [Abstract]
Risk Factors	Note 15. Risk Factors In December 2019, a novel strain of coronavirus surfaced in Wuhan, China, and has spread around the world, with resulting business and social disruption. The coronavirus was declared a Pandemic by the World Health Organization on March 11, 2020. The operations and business results of the Corporation could be materially adversely affected. The ability of our customers to make payments on loans could be adversely impacted, resulting in elevated loan losses and an increase in the Corporation’s allowance for loan losses. Additionally, it is reasonably possible future evaluations of the carrying amount of goodwill could result in a conclusion that goodwill is impaired. The extent to which the coronavirus may impact business activity or investment results will depend on future developments, which are highly uncertain and cannot be predicted, including new information which may emerge concerning the severity of the coronavirus and the actions required to contain the coronavirus or treat its impact, among others.

Reclassification

Reclassification	6 Months Ended
	Jun. 30, 2020
Reclassification [Abstract]
Reclassification	Note 17. Reclassification Certain prior period amounts may have been reclassified to conform to the current year presentation. Such reclassifications did not affect reported net income .

Subsequent Events

Subsequent Events	6 Months Ended
	Jun. 30, 2020
Subsequent Events
Subsequent Events	Note 16. Subsequent Event On August 4, 2020 the Corporation completed the sale of a subordinated debt note offering. The Corporation sold $15.0 million of subordinated debt notes with a maturity date of September 1, 2030. These notes are noncallable for 5 years and carry a fixed interest rate of 5% per year for 5 years and then convert to floating rate of Secured Overnight Financing Rate (SOFR) plus 4.93% per year for the remainder of the term. The notes can be redeemed at par beginning 5 years prior to maturity. The Corporation also sold $5.0 million of subordinated debt notes with a maturity date of September 1, 2035. These notes are noncallable for 10 years and carry a fixed interest rate of 5.25% per year for 10 years and then convert to floating rate of SOFR plus 4.92% per year for the remainder of the term. The notes can be redeemed at par beginning 5 years prior to maturity. The notes are structured to qualify as Tier 2 capital for the Corporation and any funds it invests in the Bank qualify as Tier 1 capital at the Bank. The Corporation paid an issuance fee of 2% of the total issue that will be amortized to the call date of each issue on a pro-rata basis. The proceeds are intended to be used for general corporate purposes.

Basis Of Presentation (Policy)

Basis Of Presentation (Policy)	6 Months Ended
	Jun. 30, 2020
Basis Of Presentation [Abstract]
Consolidation	The consolidated financial statements include the accounts of Franklin Financial Services Corporation (the Corporation), and its wholly owned subsidiaries, Farmers and Merchants Trust Company of Chambersburg (the Bank) and Franklin Future Fund Inc. Farmers and Merchants Trust Company of Chambersburg is a commercial bank that has one wholly owned subsidiary, Franklin Financial Properties Corp. Franklin Financial Properties Corp. holds real estate assets that are leased by the Bank. Franklin Future Fund Inc. is a non-bank investment company. The activities of non-bank entities are not significant to the consolidated totals. All significant intercompany transactions and account balances have been eliminated. In the opinion of management, all adjustments (which include only normal recurring adjustments) necessary to present fairly the consolidated financial position, results of operations, and cash flows as of June 30, 2020, and for all other periods presented have been made. Certain information and footnote disclosures normally included in consolidated financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been condensed or omitted. It is suggested that these consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s 2019 Annual Report on Form 10-K. The consolidated results of operations for the three-month and six-month period ended June 30, 2020 are not necessarily indicative of the operating results for the full year. Management has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. The consolidated balance sheet at December 31, 2019 has been derived from the audited consolidated financial statements at that date but does not include all of the information and footnotes required by GAAP for complete consolidated financial statements. For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, interest-bearing deposits in other banks and cash items with original maturities less than 90 days.
Earnings Per Share	Earnings per share are computed based on the weighted average number of shares outstanding during each period end. A reconciliation of the weighted average shares outstanding used to calculate basic earnings per share and diluted earnings per share follows: For the Three Months Ended For the Six Months Ended June 30, June 30, (Dollars and shares in thousands, except per share data) 2020 2019 2020 2019 Weighted average shares outstanding (basic) 4,345 4,396 4,346 4,404 Impact of common stock equivalents 5 25 8 23 Weighted average shares outstanding (diluted) 4,350 4,421 4,354 4,427 Anti-dilutive options excluded from calculation 80 — 80 — Net income $ 3,067 $ 3,984 $ 4,786 $ 7,221 Basic earnings per share $ 0.71 $ 0.91 $ 1.10 $ 1.64 Diluted earnings per share $ 0.71 $ 0.90 $ 1.10 $ 1.63

Basis Of Presentation (Tables)

Basis Of Presentation (Tables)	6 Months Ended
	Jun. 30, 2020
Basis Of Presentation [Abstract]
Schedule Of Earnings Per Share, Basic And Diluted	For the Three Months Ended For the Six Months Ended June 30, June 30, (Dollars and shares in thousands, except per share data) 2020 2019 2020 2019 Weighted average shares outstanding (basic) 4,345 4,396 4,346 4,404 Impact of common stock equivalents 5 25 8 23 Weighted average shares outstanding (diluted) 4,350 4,421 4,354 4,427 Anti-dilutive options excluded from calculation 80 — 80 — Net income $ 3,067 $ 3,984 $ 4,786 $ 7,221 Basic earnings per share $ 0.71 $ 0.91 $ 1.10 $ 1.64 Diluted earnings per share $ 0.71 $ 0.90 $ 1.10 $ 1.63

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Tables)	6 Months Ended
	Jun. 30, 2020
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	ASU 2017-04, Goodwill (Topic 350) Description This guidance, among other things, removes step 2 of the goodwill impairment test thus eliminating the need to determine the fair value of individual assets and liabilities of the reporting unit. Upon adoption of this standard, goodwill impairment will be the amount by which a reporting unit's carrying value exceeds its fair value, not to exceed the carrying amount of goodwill. This may result in more or less impairment being recognized than under the current guidance. Early adoption is permitted for any impairment tests performed after January 1, 2017, applied prospectively. Effective Date January 1, 2020 Effect on the Consolidated Financial Statements The Corporation early adopted the ASU in the fourth quarter of 2018 with the completion of the 2018 impairment analysis. The ASU did not have a material effect on the consolidated financial statements. ASU 2018-14, Disclosure Framework (Topic 715): Changes to the Disclosure Requirements for Defined Benefit Plans Description This ASU makes minor changes to the disclosure requirements for employers that sponsor defined benefit pension and/or other postretirement benefit plans. ASU 2018-14 is effective for fiscal years ending after December 15, 2020; early adoption is permitted. Effective Date January 1, 2020 Effect on the Consolidated Financial Statements The Corporation adopted the provisions of the ASU on January 1, 2020. As the ASU only revised disclosure requirements, it did not have a material effect on the consolidated financial statements. Recently issued but not yet effective accounting standards ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments Description This standard requires credit losses on most financial assets measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (CECL) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The ASU replaces the current accounting model for purchased credit impaired loans and debt securities. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (“PCD assets”), should be determined in a similar manner to other financial assets measured on an amortized cost basis. However, upon initial recognition, the allowance for credit losses is added to the purchase price to determine the initial amortized cost basis. The subsequent accounting for PCD financial assets is the same expected loss model described above. Effective Date January 1, 2023 Effect on the Consolidated Financial Statements We have formed an implementation team led by the Corporation's Risk Management function. The team is reviewing the requirements of the ASU and evaluating methods and models for implementation. The new standard will result in earlier recognition of additions to the allowance for loan losses and possibly a larger allowance for loan loss balance with a corresponding increase in the provision for loan losses in results of operations; however, the Corporation is continuing to evaluate the impact of the pending adoption of the new standard on its consolidated financial statements. A third-party vendor has been selected to assist with the CECL calculations and the implementation process has started. The Corporation expects to be able to run the CECL model in test mode in 2020. ASU 2019-05, Financial Instruments - Credit Losses (Topic 326):Targeted Transition Relief Description This ASU allows entities to irrevocably elect, upon adoption of ASU 2016-13, the fair value option on financial instruments that (1) were previously recorded at amortized cost and (2) are within the scope of ASC 326-20 if the instruments are eligible for the fair value option under ASC 825-10. The fair value option election does not apply to held-to-maturity debt securities. Entities are required to make this election on an instrument-by-instrument basis. ASU 2019-05 has the same effective date as ASU 2016-13. On October 16,2019, FASB approved its August 2019 proposal to grant certain small public companies a delay in the effective date of ASU 2016-13. For the Corporation, the delay makes the ASU effective January 2023. Since the Corporation currently meets the SEC definition of a small reporting company, the delay will be application to the Corporation. Early adoption is permitted. Effective Date January 1, 2023 Effect on the Consolidated Financial Statements The Corporation will continue to review the ASU as part of its adoption of ASU 2016-13.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	6 Months Ended
	Jun. 30, 2020
Accumulated Other Comprehensive Loss [Abstract]
Schedule Of Accumulated Other Comprehensive Loss	Unrealized Gains and Losses on Available-for-sale Defined Benefit (Dollars in thousands) Securities Pension Items Total June 30, 2020 Beginning Balance $ 185 $ ( 6,171 ) $ ( 5,986 ) Other comprehensive income before reclassification 5,253 — 5,253 Amounts reclassified from accumulated other comprehensive income 8 — 8 Current period other comprehensive income 5,261 — 5,261 Ending balance $ 5,446 $ ( 6,171 ) $ ( 725 ) June 30, 2019 Beginning Balance $ ( 870 ) $ ( 5,510 ) $ ( 6,380 ) Other comprehensive income before reclassification 2,082 — 2,082 Amounts reclassified from accumulated other comprehensive income ( 200 ) — ( 200 ) Current period other comprehensive income 1,882 — 1,882 Ending balance $ 1,012 $ ( 5,510 ) $ ( 4,498 )

Investments (Tables)

Investments (Tables)	6 Months Ended
	Jun. 30, 2020
Investments [Abstract]
Unrealized Gain (Loss) On Investments	(Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair June 30, 2020 cost gains losses value U.S. Government and Agency securities $ 12,240 $ 41 $ ( 65 ) $ 12,216 Municipal securities 168,929 6,463 ( 177 ) 175,215 Trust preferred and Corporate securities 5,258 — ( 411 ) 4,847 Agency mortgage-backed securities 63,800 1,925 ( 59 ) 65,666 Private-label mortgage-backed securities 4,223 18 ( 33 ) 4,208 Asset-backed securities 24,872 42 ( 849 ) 24,065 $ 279,322 $ 8,489 $ ( 1,594 ) $ 286,217 (Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair December 31, 2019 cost gains losses value U.S. Government and Agency securities $ 8,418 $ 30 $ ( 20 ) $ 8,428 Municipal securities 90,865 1,418 ( 997 ) 91,286 Trust preferred and Corporate securities 4,097 — ( 130 ) 3,967 Agency mortgage-backed securities 58,503 435 ( 234 ) 58,704 Private-label mortgage-backed securities 398 31 — 429 Asset-backed securities 24,918 6 ( 305 ) 24,619 $ 187,199 $ 1,920 $ ( 1,686 ) $ 187,433
Amortized Cost And Fair Value Of Debt Securities, By Contractual Maturity	(Dollars in thousands) Amortized cost Fair value Due in one year or less $ 8,777 $ 8,829 Due after one year through five years 21,363 21,739 Due after five years through ten years 117,891 122,307 Due after ten years 38,396 39,403 186,427 192,278 Mortgage-backed and asset-backed securities 92,895 93,939 $ 279,322 $ 286,217
Composition Of Net Realized Securities Gains	For the Three Months Ended For the Six Months Ended June 30, June 30, (Dollars in thousands) 2020 2019 2020 2019 Proceeds $ — $ 14,906 $ 165 $ 18,781 Gross gains realized — 248 — 281 Gross losses realized — ( 19 ) ( 10 ) ( 28 ) Net gains (losses) realized $ — $ 229 $ ( 10 ) $ 253 Tax (provision) benefit on net gains (losses) realized $ — $ ( 48 ) $ 2 $ ( 53 )
Schedule Of Unrealized Loss On Investments	June 30, 2020 Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) Value Losses Count Value Losses Count Value Losses Count U.S. Government and Agency securities $ 6,792 $ ( 47 ) 9 $ 1,983 $ ( 18 ) 8 $ 8,775 $ ( 65 ) 17 Municipal securities 20,183 ( 150 ) 19 773 ( 27 ) 1 20,956 ( 177 ) 20 Trust preferred and Corporate securities 865 ( 95 ) 1 2,832 ( 316 ) 4 3,697 ( 411 ) 5 Agency mortgage-backed securities 11,872 ( 47 ) 12 2,759 ( 12 ) 4 14,631 ( 59 ) 16 Private-label mortgage-backed securities 3,881 ( 33 ) 1 — — — 3,881 ( 33 ) 1 Asset-backed securities 14,113 ( 529 ) 15 7,335 ( 320 ) 11 21,448 ( 849 ) 26 Total temporarily impaired securities $ 57,706 $ ( 901 ) 57 $ 15,682 $ ( 693 ) 28 $ 73,388 $ ( 1,594 ) 85 December 31, 2019 Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) Value Losses Count Value Losses Count Value Losses Count U.S. Government and Agency securities $ 2,559 $ ( 12 ) 6 $ 1,335 $ ( 8 ) 7 $ 3,894 $ ( 20 ) 13 Municipal securities 38,874 ( 966 ) 40 2,655 ( 31 ) 4 41,529 ( 997 ) 44 Trust preferred and Corporate securities — — — 3,967 ( 130 ) 5 3,967 ( 130 ) 5 Agency mortgage-backed securities 21,185 ( 185 ) 32 6,555 ( 49 ) 22 27,740 ( 234 ) 54 Asset-backed securities 17,644 ( 128 ) 19 5,669 ( 177 ) 9 23,313 ( 305 ) 28 Total temporarily impaired securities $ 80,262 $ ( 1,291 ) 97 $ 20,181 $ ( 395 ) 47 $ 100,443 $ ( 1,686 ) 144
Other Than Temporary Impairment, Credit Losses Recognized In Earnings	Six Months Ended (Dollars in thousands) June 30, 2020 2019 Balance of cumulative credit-related OTTI at January 1 $ 272 $ 272 Additions for credit-related OTTI not previously recognized — — Additional increases for credit-related OTTI previously recognized when there is no intent to sell and no requirement to sell before recovery of amortized cost basis — — Decreases for previously recognized credit-related OTTI because there was an intent to sell — — Reduction for increases in cash flows expected to be collected — — Balance of credit-related OTTI at June 30 $ 272 $ 272

Loans (Tables)

Loans (Tables)	6 Months Ended
	Jun. 30, 2020
Loans [Abstract]
Schedule Of Loans Outstanding	June 30, December 31, (Dollars in thousands) 2020 2019 Residential Real Estate 1-4 Family Consumer first liens $ 80,774 $ 85,319 Commercial first lien 62,158 57,627 Total first liens 142,932 142,946 Consumer junior liens and lines of credit 49,741 42,715 Commercial junior liens and lines of credit 5,092 4,882 Total junior liens and lines of credit 54,833 47,597 Total residential real estate 1-4 family 197,765 190,543 Residential real estate - construction Consumer 4,314 4,107 Commercial 9,263 9,216 Total residential real estate construction 13,577 13,323 Commercial real estate 497,682 494,262 Commercial 296,432 230,007 Total commercial 794,114 724,269 Consumer 6,682 6,440 1,012,138 934,575 Less: Allowance for loan losses ( 16,555 ) ( 11,966 ) Net Loans $ 995,583 $ 922,609 Included in the loan balances are the following: Net unamortized deferred loan (fees) costs $ (1,199) $ 178 Paycheck Protection Program (PPP) loans (included in Commercial loans above) Two-year loans $ 62,080 $ — Five-year loans 433 — Total Paycheck Protection Program loans $ 62,513 $ — Unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above) Two-year loans $ (2,120) $ — Five-year loans (22) — Total unamortized deferred loan fees $ (2,142) $ — Loans pledged as collateral for borrowings and commitments from: FHLB $ 831,810 $ 764,340 Federal Reserve Bank 49,815 32,155 $ 881,625 $ 796,495

Loan Quality And Allowance Fo_2

Loan Quality And Allowance For Loan Losses (Tables)	6 Months Ended
	Jun. 30, 2020
Loan Quality And Allowance For Loan Losses [Abstract]
Allowance For Loan Losses, By Loan Segment	The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods shown: Residential Real Estate 1-4 Family First Junior Liens & Commercial (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total ALL at March 31, 2020 $ 563 $ 178 $ 269 $ 8,249 $ 4,713 $ 98 $ 660 $ 14,730 Charge-offs — — — — ( 145 ) ( 29 ) — ( 174 ) Recoveries 1 — — — 19 4 — 24 Provision 16 19 ( 27 ) 588 1,258 32 89 1,975 ALL at June 30, 2020 $ 580 $ 197 $ 242 $ 8,837 $ 5,845 $ 105 $ 749 $ 16,555 ALL at December 31, 2019 $ 416 $ 119 $ 187 $ 6,607 $ 4,021 $ 84 $ 532 $ 11,966 Charge-offs — — — — ( 365 ) ( 59 ) — ( 424 ) Recoveries 4 — — — 24 10 — 38 Provision 160 78 55 2,230 2,165 70 217 4,975 ALL at June 30, 2020 $ 580 $ 197 $ 242 $ 8,837 $ 5,845 $ 105 $ 749 $ 16,555 ALL at March 31, 2019 $ 487 $ 132 $ 154 $ 6,470 $ 4,801 $ 72 $ 565 $ 12,681 Charge-offs ( 1 ) — — ( 123 ) ( 14 ) ( 25 ) — ( 163 ) Recoveries 2 1 — 20 9 3 — 35 Provision ( 51 ) ( 20 ) 10 85 ( 63 ) 45 ( 6 ) - ALL at June 30, 2019 $ 437 $ 113 $ 164 $ 6,452 $ 4,733 $ 95 $ 559 $ 12,553 ALL at December 31, 2018 $ 491 $ 133 $ 110 $ 6,278 $ 4,783 $ 70 $ 550 $ 12,415 Charge-offs ( 34 ) ( 1 ) ( 3 ) ( 186 ) ( 75 ) ( 51 ) — ( 350 ) Recoveries 3 1 — 21 51 13 — 89 Provision ( 23 ) ( 20 ) 57 339 ( 26 ) 63 9 399 ALL at June 30, 2019 $ 437 $ 113 $ 164 $ 6,452 $ 4,733 $ 95 $ 559 $ 12,553 The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of June 30, 2020 and December 31, 2019: Residential Real Estate 1-4 Family First Junior Liens & Commercial (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total June 30, 2020 Loans evaluated for ALL: Individually $ 648 $ — $ 518 $ 11,127 $ — $ — $ — $ 12,293 Collectively 142,284 54,833 13,059 486,555 296,432 6,682 — 999,845 Total $ 142,932 $ 54,833 $ 13,577 $ 497,682 $ 296,432 $ 6,682 $ — $ 1,012,138 ALL established for loans evaluated: Individually $ — $ — $ — $ — $ — $ — $ — $ — Collectively 580 197 242 8,837 5,845 105 749 16,555 ALL at June 30, 2020 $ 580 $ 197 $ 242 $ 8,837 $ 5,845 $ 105 $ 749 $ 16,555 December 31, 2019 Loans evaluated for ALL: Individually $ 659 $ — $ 523 $ 10,994 $ — $ — $ — $ 12,176 Collectively 142,287 47,597 12,800 483,268 230,007 6,440 — 922,399 Total $ 142,946 $ 47,597 $ 13,323 $ 494,262 $ 230,007 $ 6,440 $ — $ 934,575 ALL established for loans evaluated: Individually $ — $ — $ — $ — $ — $ — $ — $ — Collectively 416 119 187 6,607 4,021 84 532 11,966 ALL at December 31, 2019 $ 416 $ 119 $ 187 $ 6,607 $ 4,021 $ 84 $ 532 $ 11,966
Impaired Financing Receivables	The following table shows additional information about those loans considered to be impaired at June 30, 2020 and December 31, 2019: Impaired Loans With No Allowance With Allowance (Dollars in thousands) Unpaid Unpaid Recorded Principal Recorded Principal Related June 30, 2020 Investment Balance Investment Balance Allowance Residential Real Estate 1-4 Family First liens $ 648 $ 648 $ — $ — $ — Junior liens and lines of credit — — — — — Total 648 648 — — — Residential real estate - construction 518 729 — — — Commercial real estate 11,127 12,259 — — — Commercial — — — — — Total $ 12,293 $ 13,636 $ — $ — $ — December 31, 2019 Residential Real Estate 1-4 Family First liens $ 659 $ 659 $ — $ — $ — Junior liens and lines of credit — — — — — Total 659 659 — — — Residential real estate - construction 523 729 — — — Commercial real estate 10,994 12,096 — — — Commercial — — — — — Total $ 12,176 $ 13,484 $ — $ — $ — The following table shows the average of impaired loans and related interest income for the three and six months ended June 30, 2020 and 2019: Three Months Ended Six Months Ended June 30, 2020 June 30, 2020 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 651 $ 8 $ 653 $ 19 Junior liens and lines of credit — — — — Total 651 8 653 19 Residential real estate - construction 520 — 521 — Commercial real estate 11,179 93 11,039 187 Commercial — — — — Total $ 12,350 $ 101 $ 12,213 $ 206 Three Months Ended Six Months Ended June 30, 2019 June 30, 2019 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 779 $ 11 $ 813 $ 21 Junior liens and lines of credit 26 1 35 1 Total 805 12 848 22 Residential real estate - construction 651 — 652 — Commercial real estate 13,242 102 13,368 204 Commercial 147 — 138 — Total $ 14,845 $ 114 $ 15,006 $ 226
Aging Of Payments Of The Loan Portfolio	(Dollars in thousands) Loans Past Due and Still Accruing Total Current 30-59 Days 60-89 Days 90 Days+ Total Non-Accrual Loans June 30, 2020 Residential Real Estate 1-4 Family First liens $ 142,822 $ 42 $ 27 $ — $ 69 $ 41 $ 142,932 Junior liens and lines of credit 54,660 119 28 12 159 14 54,833 Total 197,482 161 55 12 228 55 197,765 Residential real estate - construction 13,059 — — — — 518 13,577 Commercial real estate 493,923 392 — — 392 3,367 497,682 Commercial 296,208 17 — — 17 207 296,432 Consumer 6,661 15 4 2 21 — 6,682 Total $ 1,007,333 $ 585 $ 59 $ 14 $ 658 $ 4,147 $ 1,012,138 December 31, 2019 Residential Real Estate 1-4 Family First liens $ 141,843 $ 646 $ 358 $ 31 $ 1,035 $ 68 $ 142,946 Junior liens and lines of credit 47,420 70 30 46 146 31 47,597 Total 189,263 716 388 77 1,181 99 190,543 Residential real estate - construction 12,800 — — — — 523 13,323 Commercial real estate 490,114 813 326 — 1,139 3,009 494,262 Commercial 229,659 31 120 — 151 197 230,007 Consumer 6,397 25 18 — 43 — 6,440 Total $ 928,233 $ 1,585 $ 852 $ 77 $ 2,514 $ 3,828 $ 934,575
Internal Credit Rating For The Loan Portfolio	Pass OAEM Substandard Doubtful (Dollars in thousands) (1-5) (6) (7) (8) Total June 30, 2020 Residential Real Estate 1-4 Family First liens $ 142,891 $ — $ 41 $ — $ 142,932 Junior liens and lines of credit 54,807 — 26 — 54,833 Total 197,698 — 67 — 197,765 Residential real estate - construction 13,059 — 518 — 13,577 Commercial real estate 487,112 5,983 4,587 — 497,682 Commercial 296,055 — 377 — 296,432 Consumer 6,679 — 3 — 6,682 Total $ 1,000,603 $ 5,983 $ 5,552 $ — $ 1,012,138 December 31, 2019 Residential Real Estate 1-4 Family First liens $ 142,847 $ — $ 99 $ — $ 142,946 Junior liens and lines of credit 47,520 — 77 — 47,597 Total 190,367 — 176 — 190,543 Residential real estate - construction 12,800 — 523 — 13,323 Commercial real estate 483,878 5,875 4,509 — 494,262 Commercial 229,465 4 538 — 230,007 Consumer 6,440 — — — 6,440 Total $ 922,950 $ 5,879 $ 5,746 $ — $ 934,575
Troubled Debt Restructuring Loans	Troubled Debt Restructurings Within the Last 12 Months That Have Defaulted (Dollars in thousands) Troubled Debt Restructurings On Modified Terms Number of Recorded Number of Recorded Contracts Investment Performing* Nonperforming* Contracts Investment June 30, 2020 Residential real estate - construction 1 $ 440 $ 440 $ — — $ — Residential real estate 4 648 648 — — — Commercial real estate 11 9,089 8,771 318 — — Total 16 $ 10,177 $ 9,859 $ 318 — $ — December 31, 2019 Residential real estate - construction 1 $ 444 $ 444 $ — — $ — Residential real estate 4 659 659 — — — Commercial real estate 11 9,343 9,343 — — — Total 16 $ 10,446 $ 10,446 $ — — $ — * The performing status is determined by the loan’s compliance with the modified terms .

Leases (Tables)

Leases (Tables)	6 Months Ended
	Jun. 30, 2020
Leases [Abstract]
Schedule Of Lease Costs	Three Months Ended Three Months Ended Six Months Ended Six Months Ended (Dollars in thousands) June 30, 2020 June 30, 2019 June 30, 2020 June 30, 2019 Operating lease cost $ 159 $ 184 $ 317 $ 372 Short-term lease cost 1 3 3 9 Variable lease cost 14 12 28 23 Total lease cost $ 174 $ 199 $ 348 $ 404
Schedule Of Measurement Of Lease Liabilities	Six Months Ended Six Months Ended (Dollars in thousands) June 30, 2020 June 30, 2019 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 304 $ 249 Weighted-average remaining lease term (years) 12.7 13.0 Weighted-average discount rate 3.54 % 3.51 %
Schedule Of Future Minimum Payments Operating Leases	(Dollars in thousands) 2020 $ 286 2021 558 2022 546 2023 551 2024 525 2025 and beyond 3,876 Undiscounted cash flow 6,342 Imputed Interest ( 1,290 ) Total lease liability $ 5,052

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	6 Months Ended
	Jun. 30, 2020
Other Real Estate Owned [Abstract]
Summary Of Changes In Other Real Estate Owned	Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2020 2019 2020 2019 Balance at beginning of the period $ — $ 2,684 $ — $ 2,684 Additions — — — — Proceeds from dispositions — — — — Gains on sales, net — — — — Valuation adjustment — — — — Balance at the end of the period $ — $ 2,684 $ — $ 2,684

Derivatives (Tables)

Derivatives (Tables)	6 Months Ended
	Jun. 30, 2020
Derivatives [Abstract]
Schedule Of Fair Value Of Derivative Instruments	Fair Value of Derivative Instruments Derivative Liabilities (Dollars in thousands) June 30, 2020 June 30, 2019 Notional amount Balance Sheet Location Fair Value Notional amount Balance Sheet Location Fair Value Derivatives not designated as hedging instruments Other Contracts 6,924 Other Liabilities $ 55 — Other Liabilities $ — Total derivatives not designated as hedging instruments $ 55 $ —
Schedule Of Effect Of Derivative Instruments On The Statement Of Income	Effect of Derivatives Not Designated as Hedging Instruments on the Statement of Financial Performance Derivatives Not Designated as Hedging Instruments under Subtopic 815-20 Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivatives (Dollars in thousands) Three Months Ended Six Months Ended June 30, 2020 June 30, 2019 June 30, 2020 June 30, 2019 Other Contracts Other income/(expense) $ - $ - $ ( 36 ) $ -

Pension (Tables)

Pension (Tables)	6 Months Ended
	Jun. 30, 2020
Pension [Abstract]
Schedule Of Net Periodic Pension Costs	Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2020 2019 2020 2019 Components of net periodic cost: Service cost $ 83 $ 82 $ 166 $ 161 Interest cost 131 157 262 315 Expected return on plan assets ( 269 ) ( 272 ) ( 539 ) ( 542 ) Recognized net actuarial loss 226 133 452 286 Total pension expense $ 171 $ 100 $ 341 $ 220

Fair Value Measurements And F_2

Fair Value Measurements And Fair Values Of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2020
Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]
Schedule Of Fair Value, Assets And Liabilities Measured On Recurring Basis	(Dollars in thousands) Fair Value at June 30, 2020 Asset Description Level 1 Level 2 Level 3 Total Equity securities, at fair value $ 340 $ — $ — $ 340 Available for sale: U.S. Government and Agency securities — 12,216 — 12,216 Municipal securities — 175,215 — 175,215 Trust preferred and Corporate securities — 4,847 — 4,847 Agency mortgage-backed securities — 65,666 — 65,666 Private-label mortgage-backed securities — 4,208 — 4,208 Asset-backed securities — 24,065 — 24,065 Total assets $ 340 $ 286,217 $ — $ 286,557 (Dollars in thousands) Fair Value at December 31, 2019 Asset Description Level 1 Level 2 Level 3 Total Equity securities, at fair value $ 440 $ — $ — $ 440 Available for sale: U.S. Government and Agency securities — 8,428 — 8,428 Municipal securities — 91,286 — 91,286 Trust preferred and Corporate securities — 3,967 — 3,967 Agency mortgage-backed securities — 58,704 — 58,704 Private-label mortgage-backed securities — 429 — 429 Asset-backed securities — 24,619 — 24,619 Total assets $ 440 $ 187,433 $ — $ 187,873
Schedule Of Fair Value On A Nonrecurring Basis	(Dollars in Thousands) Fair Value at December 31, 2019 Asset Description Level 1 Level 2 Level 3 Total Impaired loans (1) $ — $ — $ 1,080 $ 1,080 Total assets $ — $ — $ 1,080 $ 1,080 (1) Includes assets directly charged-down to fair value during the year-to-date period.
Fair Value Inputs, Assets, Quantitative Information	(Dollars in thousands) Range December 31, 2019 Fair Value Valuation Technique Unobservable Input Weighted Average Impaired loans $ 1,080 Appraisal Appraisal Adjustments 0 % - 100 % ( 48 %) (1) Includes assets directly charged-down to fair value during the year-to-date period.
Fair Value, By Balance Sheet Grouping	June 30, 2020 Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial assets, carried at cost: Cash and cash equivalents $ 58,599 $ 58,599 $ 58,599 $ — $ — Long-term interest-bearing deposits in other banks 13,985 13,985 13,985 — — Loans held for sale 5,255 5,255 — 5,255 — Net loans 995,583 999,734 — — 999,734 Accrued interest receivable 5,707 5,707 — — 5,707 Financial liabilities: Deposits $ 1,273,353 $ 1,274,134 $ — $ 1,274,134 $ — Accrued interest payable 258 258 — 258 — December 31, 2019 Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial assets, carried at cost: Cash and cash equivalents $ 83,828 $ 83,828 $ 83,828 $ — $ — Long-term interest-bearing deposits in other banks 8,746 8,746 8,746 — — Loans held for sale 2,040 2,040 — 2,040 — Net loans 922,609 918,640 — — 918,640 Accrued interest receivable 3,845 3,845 — — 3,845 Financial liabilities: Deposits $ 1,125,392 $ 1,125,877 $ — $ 1,125,877 $ — Accrued interest payable 436 436 — 436 —

Capital Ratios (Tables)

Capital Ratios (Tables)	6 Months Ended
	Jun. 30, 2020
Capital Ratios [Abstract]
Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements	Regulatory Ratios Adequately Well June 30, December 31, Capitalized Capitalized (Dollars in thousands) 2020 2019 Minimum Minimum Common Equity Tier 1 Risk-based Capital Ratio (1) Franklin Financial Services Corporation 14.66 % 14.82 % N/A N/A Farmers & Merchants Trust Company 14.38 % 14.62 % 4.500 % 6.50 % Tier 1 Risk-based Capital Ratio (2) Franklin Financial Services Corporation 14.66 % 14.82 % N/A N/A Farmers & Merchants Trust Company 14.38 % 14.62 % 6.000 % 8.00 % Total Risk-based Capital Ratio (3) Franklin Financial Services Corporation 15.93 % 16.08 % N/A N/A Farmers & Merchants Trust Company 15.64 % 15.87 % 8.000 % 10.00 % Tier 1 Leverage Ratio (4) Franklin Financial Services Corporation 9.22 % 9.72 % N/A N/A Farmers & Merchants Trust Company 9.05 % 9.59 % 4.000 % 5.00 % (1) Common equity Tier 1 capital/ total risk-weighted assets (2) Tier 1 capital / total risk-weighted assets (3) Total risk-based capital / total risk-weighted assets, (4) Tier 1 capital / average quarterly assets

Commitments And Contingencies (

Commitments And Contingencies (Tables)	6 Months Ended
	Jun. 30, 2020
Commitments And Contingencies [Abstract]
Outstanding Commitments	June 30, December 31, (Dollars in thousands) 2020 2019 Financial instruments whose contract amounts represent credit risk Commercial commitments to extend credit $ 253,981 $ 248,251 Consumer commitments to extend credit (secured) 61,545 56,898 Consumer commitments to extend credit (unsecured) 5,330 5,088 $ 320,856 $ 310,237 Standby letters of credit $ 22,081 $ 26,382

Basis Of Presentation (Details)

Basis Of Presentation (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Basis Of Presentation [Abstract]
Weighted average shares outstanding (basic)	4,345	4,396	4,346	4,404
Impact of common stock equivalents	5	25	8	23
Weighted average shares outstanding (diluted)	4,350	4,421	4,354	4,427
Anti-dilutive options excluded from calculation	80		80
Net income	$ 3,067	$ 3,984	$ 4,786	$ 7,221
Basic earnings per share	$ 0.71	$ 0.91	$ 1.10	$ 1.64
Diluted earnings per share	$ 0.71	$ 0.90	$ 1.10	$ 1.63

Recent Accounting Pronounceme_3

Recent Accounting Pronouncements (Recent Accounting Pronouncements) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Recent Accounting Pronouncements [Abstract]
Right of use asset	$ 5,005	$ 5,126

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	$ 127,528	$ 118,396
Balance	134,840	123,914
Unrealized Gains And Losses On Available-for-sale Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	185	(870)
Other comprehensive income before reclassification	5,253	2,082
Amounts reclassified from accumulated other comprehensive income	(8)	(200)
Current period other comprehensive income	5,261	1,882
Balance	5,446	1,012
Defined Benefit Pension Items [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(6,171)	(5,510)
Other comprehensive income before reclassification
Amounts reclassified from accumulated other comprehensive income
Current period other comprehensive income
Balance	(6,171)	(5,510)
Accumulated Other Comprehensive Loss [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(5,986)	(6,380)
Other comprehensive income before reclassification	5,253	2,082
Amounts reclassified from accumulated other comprehensive income	(8)	(200)
Current period other comprehensive income	5,261	1,882
Balance	$ (725)	$ (4,498)

Investments (Narrative) (Detail

Investments (Narrative) (Details) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2020USD ($)item	Dec. 31, 2019USD ($)item
Schedule of Available-for-sale Securities [Line Items]
Fair Value	$ 286,217	$ 187,433
Number of temporarily impaired securities | item	85	144
Temporarily impaired fair value	$ 73,400
Unrealized Losses	1,594	$ 1,686
Unrealized Gain (Loss) on Securities		(92)
Restricted stock	468	465
Equity securities	340	440
Public Funds And Trust Deposits [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value	$ 91,800	$ 107,100

Investments (Unrealized Gain (l

Investments (Unrealized Gain (loss) On Investments) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 279,322	$ 187,199
Gross unrealized gains	8,489	1,920
Gross unrealized losses	(1,594)	(1,686)
Fair Value	286,217	187,433
U.S. Government And Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	12,240	8,418
Gross unrealized gains	41	30
Gross unrealized losses	(65)	(20)
Fair Value	12,216	8,428
Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	168,929	90,865
Gross unrealized gains	6,463	1,418
Gross unrealized losses	(177)	(997)
Fair Value	175,215	91,286
Trust Preferred And Corporate Securities
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	5,258	4,097
Gross unrealized losses	(411)	(130)
Fair Value	4,847	3,967
Agency Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	63,800	58,503
Gross unrealized gains	1,925	435
Gross unrealized losses	(59)	(234)
Fair Value	65,666	58,704
Private-Label Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	4,223	398
Gross unrealized gains	18	31
Gross unrealized losses	(33)
Fair Value	4,208	429
Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	24,872	24,918
Gross unrealized gains	42	6
Gross unrealized losses	(849)	(305)
Fair Value	$ 24,065	$ 24,619

Investments (Amortized Cost And

Investments (Amortized Cost And Fair Value Of Debt Securities, By Contractual Maturity) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Investments [Abstract]
Due in one year or less, Amortized cost	$ 8,777
Due after one year through five years, Amortized cost	21,363
Due after five years through ten years, Amortized cost	117,891
Due after ten years, Amortized cost	38,396
Amortized Cost Contractual Maturities Subtotal	186,427
Mortgage-backed securities, Amortized cost	92,895
Available-for-sale Securities, Debt Maturities, Amortized cost	279,322
Due in one year or less, Fair value	8,829
Due after one year through five years, Fair value	21,739
Due after five years through ten years, Fair value	122,307
Due after ten years, Fair value	39,403
Fair Value Contractual Maturities Subtotal	192,278
Mortgage-backed securities, Fair value	93,939
Available-for-sale Securities, Debt Securities, Fair Value	$ 286,217	$ 187,433

Investments (Composition Of Net

Investments (Composition Of Net Realized Securities Gains) (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Investments [Abstract]
Proceeds	$ 14,906	$ 165	$ 18,781
Gross gains realized	248		281
Gross losses realized	(19)	(10)	(28)
Net gains (losses) realized	229	(10)	253
Tax (provision) benefit on net gains (losses) realized	$ (48)	$ 2	$ (53)

Investments (Schedule Of Unreal

Investments (Schedule Of Unrealized Loss On Investments) (Details) $ in Thousands	Jun. 30, 2020USD ($)item	Dec. 31, 2019USD ($)item
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 57,706	$ 80,262
Less than 12 months: Unrealized Losses	$ (901)	$ (1,291)
Less than 12 months: Count | item	57	97
12 months or more: Fair Value	$ 15,682	$ 20,181
12 months or more: Unrealized Losses	$ (693)	$ (395)
12 months or more: Count | item	28	47
Fair Value	$ 73,388	$ 100,443
Unrealized Losses	$ (1,594)	$ (1,686)
Count | item	85	144
U.S. Government And Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 6,792	$ 2,559
Less than 12 months: Unrealized Losses	$ (47)	$ (12)
Less than 12 months: Count | item	9,000	6
12 months or more: Fair Value	$ 1,983	$ 1,335
12 months or more: Unrealized Losses	$ (18)	$ (8)
12 months or more: Count | item	8,000	7
Fair Value	$ 8,775	$ 3,894
Unrealized Losses	$ (65)	$ (20)
Count | item	17,000	13
Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 20,183	$ 38,874
Less than 12 months: Unrealized Losses	$ (150)	$ (966)
Less than 12 months: Count | item	19,000	40
12 months or more: Fair Value	$ 773	$ 2,655
12 months or more: Unrealized Losses	$ (27)	$ (31)
12 months or more: Count | item	1,000	4
Fair Value	$ 20,956	$ 41,529
Unrealized Losses	$ (177)	$ (997)
Count | item	20,000	44
Trust Preferred And Corporate Securities
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 865
Less than 12 months: Unrealized Losses	$ (95)
Less than 12 months: Count | item	1,000
12 months or more: Fair Value	$ 2,832	$ 3,967
12 months or more: Unrealized Losses	$ (316)	$ (130)
12 months or more: Count | item	4,000	5
Fair Value	$ 3,697	$ 3,967
Unrealized Losses	$ (411)	$ (130)
Count | item	5,000	5
Agency Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 11,872	$ 21,185
Less than 12 months: Unrealized Losses	$ (47)	$ (185)
Less than 12 months: Count | item	12,000	32
12 months or more: Fair Value	$ 2,759	$ 6,555
12 months or more: Unrealized Losses	$ (12)	$ (49)
12 months or more: Count | item	4,000	22
Fair Value	$ 14,631	$ 27,740
Unrealized Losses	$ (59)	$ (234)
Count | item	16,000	54
Private-Label Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 3,881
Less than 12 months: Unrealized Losses	$ (33)
Less than 12 months: Count | item	1,000
Fair Value	$ 3,881
Unrealized Losses	$ (33)
Count | item	1,000
Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 14,113	$ 17,644
Less than 12 months: Unrealized Losses	$ (529)	$ (128)
Less than 12 months: Count | item	15,000	19
12 months or more: Fair Value	$ 7,335	$ 5,669
12 months or more: Unrealized Losses	$ (320)	$ (177)
12 months or more: Count | item	11,000	9
Fair Value	$ 21,448	$ 23,313
Unrealized Losses	$ (849)	$ (305)
Count | item	26,000	28

Investments (Other Than Tempora

Investments (Other Than Temporary Impairment, Credit Losses Recognized In Earnings) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Investments [Abstract]
Balance of cumulative credit-related OTTI at January 1	$ 272	$ 272
Additions for credit-related OTTI not previously recognized
Additional increases for credit-related OTTI previously recognized when there is no intent to sell and no requirement to sell before recovery of amortized cost basis
Decreases for previously recognized credit-related OTTI because there was an intent to sell
Reduction for increases in cash flows expected to be collected
Balance of credit-related OTTI at March 31	$ 272	$ 272

Loans (Schedule Of Loans Outsta

Loans (Schedule Of Loans Outstanding) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,012,138	$ 934,575
Less: Allowance for loan losses	(16,555)	(11,966)
Net Loans	995,583	922,609
Loans pledged as collateral for borrowings and commitments from: FHLB	831,810	764,340
Loans pledged as collateral for borrowings and commitments from :Federal Reserve Bank	49,815	32,155
Total	881,625	796,495
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	197,765	190,543
Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	13,577	13,323
Less: Allowance for loan losses	(242)	(187)
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	497,682	494,262
Less: Allowance for loan losses	(8,837)	(6,607)
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	296,432	230,007
Less: Allowance for loan losses	(5,845)	(4,021)
Total Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	794,114	724,269
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	6,682	6,440
Less: Allowance for loan losses	(105)	(84)
Consumer First Liens [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	80,774	85,319
Consumer Junior Liens And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	49,741	42,715
Consumer [Member] | Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	4,314	4,107
Commercial First Lien [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	62,158	57,627
Commercial Junior Liens And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	5,092	4,882
Commercial [Member] | Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	9,263	9,216
First Liens [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	142,932	142,946
Less: Allowance for loan losses	(580)	(416)
Junior Lines And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 54,833	$ 47,597

Loan Quality And Allowance Fo_3

Loan Quality And Allowance For Loan Losses (Narrative) (Details) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2020USD ($)item	Dec. 31, 2019item	Apr. 30, 2020USD ($)
Financing Receivable, Impaired [Line Items]
New During Period, Number of Contracts | item	0	0
Short-term Modification Period	6 months
Loan Deferral Or Modification, Granted, Amount			$ 196
Loan Deferral Or Modification Granted, Percentage Of Gross Loans			19.00%
Hotel [Member] | Pass-watch (5) [Member]
Financing Receivable, Impaired [Line Items]
Loan Deferral Or Modification, Granted, Amount	$ 57
Hotel [Member] | Less Than Pass-watch (5) [Member]
Financing Receivable, Impaired [Line Items]
Loan Deferral Or Modification, Granted, Amount	$ 70

Loan Quality And Allowance Fo_4

Loan Quality And Allowance For Loan Losses (Allowance For Loan Losses, By Loan Segment) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	$ 14,730	$ 12,681	$ 11,966	$ 12,415
Charge-offs	(174)	(163)	(424)	(350)
Recoveries	24	35	38	89
Provision	1,975		4,975	399
Allowance, Ending Balance	16,555	12,553	16,555	12,553
Loans evaluated for allowance individually	12,293		12,293		$ 12,176
Loans evaluated for allowance collectively	999,845		999,845		922,399
Total Loans	1,012,138		1,012,138		934,575
Allowance established for loan evaluated collectively	16,555		16,555		11,966
Total Allowance	16,555		16,555		11,966
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans	197,765		197,765		190,543
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	269	154	187	110
Charge-offs				(3)
Provision	(27)	10	55	57
Allowance, Ending Balance	242	164	242	164
Loans evaluated for allowance individually	518		518		523
Loans evaluated for allowance collectively	13,059		13,059		12,800
Total Loans	13,577		13,577		13,323
Allowance established for loan evaluated collectively	242		242		187
Total Allowance	242		242		187
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	8,249	6,470	6,607	6,278
Charge-offs		(123)		(186)
Recoveries		20		21
Provision	588	85	2,230	339
Allowance, Ending Balance	8,837	6,452	8,837	6,452
Loans evaluated for allowance individually	11,127		11,127		10,994
Loans evaluated for allowance collectively	486,555		486,555		483,268
Total Loans	497,682		497,682		494,262
Allowance established for loan evaluated collectively	8,837		8,837		6,607
Total Allowance	8,837		8,837		6,607
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	4,713	4,801	4,021	4,783
Charge-offs	(145)	(14)	(365)	(75)
Recoveries	19	9	24	51
Provision	1,258	(63)	2,165	(26)
Allowance, Ending Balance	5,845	4,733	5,845	4,733
Loans evaluated for allowance collectively	296,432		296,432		230,007
Total Loans	296,432		296,432		230,007
Allowance established for loan evaluated collectively	5,845		5,845		4,021
Total Allowance	5,845		5,845		4,021
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	98	72	84	70
Charge-offs	(29)	(25)	(59)	(51)
Recoveries	4	3	10	13
Provision	32	45	70	63
Allowance, Ending Balance	105	95	105	95
Loans evaluated for allowance collectively	6,682		6,682		6,440
Total Loans	6,682		6,682		6,440
Allowance established for loan evaluated collectively	105		105		84
Total Allowance	105		105		84
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	660	565	532	550
Provision	89	(6)	217	9
Allowance, Ending Balance	749	559	749	559
Allowance established for loan evaluated collectively	749		749		532
Total Allowance	749		749		532
First Liens [Member] | Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	563	487	416	491
Charge-offs		(1)		(34)
Recoveries	1	2	4	3
Provision	16	(51)	160	(23)
Allowance, Ending Balance	580	437	580	437
Loans evaluated for allowance individually	648		648		659
Loans evaluated for allowance collectively	142,284		142,284		142,287
Total Loans	142,932		142,932		142,946
Allowance established for loan evaluated collectively	580		580		416
Total Allowance	580		580		416
Junior Liens & Lines Of Credit [Member] | Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	178	132	119	133
Charge-offs				(1)
Recoveries		1		1
Provision	19	(20)	78	(20)
Allowance, Ending Balance	197	$ 113	197	$ 113
Loans evaluated for allowance collectively	54,833		54,833		47,597
Total Loans	54,833		54,833		47,597
Allowance established for loan evaluated collectively	197		197		119
Total Allowance	$ 197		$ 197		$ 119

Loan Quality And Allowance Fo_5

Loan Quality And Allowance For Loan Losses (Impaired Financing Receivables) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	$ 12,293		$ 12,293		$ 12,176
Unpaid Principal Balance With No Allowance	13,636		13,636		13,484
Average Recorded Investment	12,350	$ 14,845	12,213	$ 15,006
Interest Income Recognized	101	114	206	226
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	648		648		659
Unpaid Principal Balance With No Allowance	648		648		659
Average Recorded Investment	651	805	653	848
Interest Income Recognized	8	12	19	22
Residential Real Estate [Member] | First Liens [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	648		648		659
Unpaid Principal Balance With No Allowance	648		648		659
Average Recorded Investment	651	779	653	813
Interest Income Recognized	8	11	19	21
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment		26		35
Interest Income Recognized		1		1
Residential Real Estate - Construction [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	518		518		523
Unpaid Principal Balance With No Allowance	729		729		729
Average Recorded Investment	520	651	521	652
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	11,127		11,127		10,994
Unpaid Principal Balance With No Allowance	12,259		12,259		$ 12,096
Average Recorded Investment	11,179	13,242	11,039	13,368
Interest Income Recognized	$ 93	102	$ 187	204
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment		$ 147		$ 138

Loan Quality And Allowance Fo_6

Loan Quality And Allowance For Loan Losses (Aging Of Payments Of The Loan Portfolio) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 1,007,333	$ 928,233
Loans Past Due and Still Accruing	658	2,514
Non-accrual loans	4,147	3,828
Total Loans	1,012,138	934,575
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	585	1,585
60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	59	852
90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	14	77
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	197,482	189,263
Loans Past Due and Still Accruing	228	1,181
Non-accrual loans	55	99
Total Loans	197,765	190,543
Residential Real Estate [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	161	716
Residential Real Estate [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	55	388
Residential Real Estate [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	12	77
Residential Real Estate [Member] | First Liens [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	142,822	141,843
Loans Past Due and Still Accruing	69	1,035
Non-accrual loans	41	68
Total Loans	142,932	142,946
Residential Real Estate [Member] | First Liens [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	42	646
Residential Real Estate [Member] | First Liens [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	27	358
Residential Real Estate [Member] | First Liens [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing		31
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	54,660	47,420
Loans Past Due and Still Accruing	159	146
Non-accrual loans	14	31
Total Loans	54,833	47,597
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	119	70
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	28	30
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	12	46
Residential Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	13,059	12,800
Non-accrual loans	518	523
Total Loans	13,577	13,323
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	493,923	490,114
Loans Past Due and Still Accruing	392	1,139
Non-accrual loans	3,367	3,009
Total Loans	497,682	494,262
Commercial Real Estate [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	392	813
Commercial Real Estate [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing		326
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	296,208	229,659
Loans Past Due and Still Accruing	17	151
Non-accrual loans	207	197
Total Loans	296,432	230,007
Commercial [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	17	31
Commercial [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing		120
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	6,661	6,397
Loans Past Due and Still Accruing	21	43
Total Loans	6,682	6,440
Consumer [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	15	25
Consumer [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	4	$ 18
Consumer [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	$ 2

Loan Quality And Allowance Fo_7

Loan Quality And Allowance For Loan Losses (Internal Credit Rating For The Loan Portfolio) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	$ 1,012,138	$ 934,575
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	1,000,603	922,950
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	5,983	5,879
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	5,552	5,746
Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	197,765	190,543
Residential Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	197,698	190,367
Residential Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	67	176
Residential Real Estate [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member] | First Liens [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	142,932	142,946
Residential Real Estate [Member] | First Liens [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	142,891	142,847
Residential Real Estate [Member] | First Liens [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	41	99
Residential Real Estate [Member] | First Liens [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	54,833	47,597
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	54,807	47,520
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	26	77
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	13,577	13,323
Residential Real Estate - Construction [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	13,059	12,800
Residential Real Estate - Construction [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	518	523
Residential Real Estate - Construction [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	497,682	494,262
Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	487,112	483,878
Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	5,983	5,875
Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	4,587	4,509
Commercial Real Estate [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	296,432	230,007
Commercial [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	296,055	229,465
Commercial [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		4
Commercial [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	377	538
Commercial [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	6,682	6,440
Consumer [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	6,679	6,440
Consumer [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	3
Consumer [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount

Loan Quality And Allowance Fo_8

Loan Quality And Allowance For Loan Losses (Troubled Debt Restructuring Loans) (Details) $ in Thousands		Jun. 30, 2020USD ($)contract	Dec. 31, 2019USD ($)contract
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		16	16
Troubled Debt Restructurings: Recorded Investment		$ 10,177	$ 10,446
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	9,859	$ 10,446
Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 318
Residential Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		1	1
Troubled Debt Restructurings: Recorded Investment		$ 440	$ 444
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Residential Real Estate - Construction [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 440	$ 444
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		4	4
Troubled Debt Restructurings: Recorded Investment		$ 648	$ 659
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Residential Real Estate [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 648	$ 659
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		11	11
Troubled Debt Restructurings: Recorded Investment		$ 9,089	$ 9,343
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Commercial Real Estate [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	8,771	$ 9,343
Commercial Real Estate [Member] | Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 318
[1]	The performing status is determined by the loan’s compliance with the modified terms .

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Leases [Abstract]
Right of use asset	$ 5,005	$ 5,126
Lease liability	$ 5,052	$ 5,161

Leases (Schedule Of Lease Costs

Leases (Schedule Of Lease Costs) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Leases [Abstract]
Operating lease cost	$ 159	$ 184	$ 317	$ 372
Short-term lease cost	1	3	3	9
Variable lease cost	14	12	28	23
Total lease cost	$ 174	$ 199	$ 348	$ 404

Leases (Schedule Of Measurement

Leases (Schedule Of Measurement Of Lease Liabilities) (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Leases [Abstract]
Operating cash flows from operating leases	$ 304	$ 249
Weighted-average remaining lease term (years)	12 years 8 months 12 days	13 years
Weighted-average discount rate	3.54%	3.51%

Leases (Schedule Of Future Mini

Leases (Schedule Of Future Minimum Payments Operating Leases) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Leases [Abstract]
2020	$ 286
2021	558
2022	546
2023	551
2024	525
2025 and beyond	3,876
Undiscounted cash flow	6,342
Imputed Interest	(1,290)
Total lease liability	$ 5,052	$ 5,161

Other Real Estate Owned (Detail

Other Real Estate Owned (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Other Real Estate Owned [Abstract]
Balance at beginning of the period		$ 2,684		$ 2,684
Additions
Proceeds from dispositions
Gains on sales, net
Valuation adjustment
Balance at the end of the period		$ 2,684		$ 2,684

Derivatives (Narrative) (Detail

Derivatives (Narrative) (Details) $ in Thousands	Jun. 30, 2020USD ($)
Derivatives [Abstract]
Derivative, net	$ 55

Derivatives (Schedule Of Fair V

Derivatives (Schedule Of Fair Value Of Derivative Instruments) (Details) - Not Designated as Hedging Instrument [Member] $ in Thousands	Jun. 30, 2020USD ($)
Derivatives, Fair Value [Line Items]
Fair Value	$ 55
Other Contracts [Member]
Derivatives, Fair Value [Line Items]
Notional Amount	6,924
Fair Value	$ 55

Derivatives (Schedule Of Effect

Derivatives (Schedule Of Effect Of Derivative Instruments On The Statement Of Income) (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2020USD ($)
Other Contracts [Member] | Other Income (Expense) [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivatives	$ (36)

Pension (Narrative) (Details)

Pension (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Pension [Abstract]
Expected pension expense	$ 680		$ 680
Pension expense	$ 171	$ 100	$ 341	$ 220	$ 421

Pension (Schedule Of Net Period

Pension (Schedule Of Net Periodic Pension Costs) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Pension [Abstract]
Service cost	$ 83	$ 82	$ 166	$ 161
Interest cost	131	157	262	315
Expected return on plan assets	(269)	(272)	(539)	(542)
Recognized net actuarial loss	226	133	452	286
Total pension expense	$ 171	$ 100	$ 341	$ 220	$ 421

Fair Value Measurements And F_3

Fair Value Measurements And Fair Values Of Financial Instruments (Narrative) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Total liabilities	$ 0
Assets, Level 1 to Level 2 Transfers	0
Liabilities, Level 1 to Level 2 Transfers	0
Partial charge-offs on impaired loans	0
Fair Value, Nonrecurring [Member]
Assets, Fair Value Disclosure	$ 0	$ 1,080,000

Fair Value Measurements And F_4

Fair Value Measurements And Fair Values Of Financial Instruments (Schedule Of Fair Value, Assets And Liabilities Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	$ 340	$ 440
Available for sale	286,217	187,433
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	286,557	187,873
Level 1 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	340	440
Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	286,217	187,433
Equity Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	340	440
Equity Securities [Member] | Level 1 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	340	440
U.S. Government And Agency Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	12,216	8,428
U.S. Government And Agency Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	12,216	8,428
U.S. Government And Agency Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	12,216	8,428
Municipal Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	175,215	91,286
Municipal Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	175,215	91,286
Municipal Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	175,215	91,286
Trust Preferred And Corporate Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	4,847	3,967
Trust Preferred And Corporate Securities | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	4,847	3,967
Trust Preferred And Corporate Securities | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	4,847	3,967
Agency Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	65,666	58,704
Agency Mortgage-Backed Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	65,666	58,704
Agency Mortgage-Backed Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	65,666	58,704
Private-Label Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	4,208	429
Private-Label Mortgage-Backed Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	4,208	429
Private-Label Mortgage-Backed Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	4,208	429
Asset-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	24,065	24,619
Asset-Backed Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	24,065	24,619
Asset-Backed Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	$ 24,065	$ 24,619

Fair Value Measurements And F_5

Fair Value Measurements And Fair Values Of Financial Instruments (Schedule Of Fair Value On A Nonrecurring Basis) (Details) - Fair Value, Nonrecurring [Member] - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 0	$ 1,080,000
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		1,080,000
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		1,080,000
Impaired Loans [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		$ 1,080,000

Fair Value Measurements And F_6

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value Inputs, Assets, Quantitative Information) (Details) - Impaired Loans [Member] - Significant Unobservable Inputs (Level 3) [Member] - Appraisal Adjustment [Member] $ in Thousands	Dec. 31, 2019USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 1,080
Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	0.00%
Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	100.00%
Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	48.00%

Fair Value Measurements And F_7

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value, By Balance Sheet Grouping) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt securities available for sale, at fair value	$ 286,217	$ 187,433
Equity securities, at fair value	340	440
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	58,599	83,828
Long-term interest-bearing deposits in other banks	13,985	8,746
Loans held for sale	5,255	2,040
Net loans	995,583	922,609
Accrued interest receivable	5,707	3,845
Deposits	1,273,353	1,125,392
Accrued interest payable	258	436
Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	58,599	83,828
Long-term interest-bearing deposits in other banks	13,985	8,746
Loans held for sale	5,255	2,040
Net loans	999,734	918,640
Accrued interest receivable	5,707	3,845
Deposits	1,274,134	1,125,877
Accrued interest payable	258	436
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	58,599	83,828
Long-term interest-bearing deposits in other banks	13,985	8,746
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	5,255	2,040
Deposits	1,274,134	1,125,877
Accrued interest payable	258	436
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Net loans	999,734	918,640
Accrued interest receivable	$ 5,707	$ 3,845

Capital Ratios (Narrative) (Det

Capital Ratios (Narrative) (Details) - USD ($) $ in Billions	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Risk-based Capital Ratio: Ratio	15.64%
Capital Ratios, Basel III, Capital Conservation Buffer, Year Three	2.50%
Community Bank Leverage Ratio, Minimum		9.00%
Paycheck Protection Program, Risk-Weight For Risk-Based Capital Rules	0.00%
Consolidated asset limit on small bank holding companies	$ 3
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	14.38%	14.62%
Tier One Leverage Capital to Average Assets	9.05%	9.59%
Common Equity Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	6.50%
Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	8.00%
Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio	5.00%
Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	10.00%
Capital ratios, capital conservation buffer	7.64%
Total Risk-based Capital Ratio: Ratio	15.64%	15.87%

Capital Ratios (Schedule Of The

Capital Ratios (Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements) (Details)	Jun. 30, 2020	Dec. 31, 2019
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Risk-based Capital Ratio: Ratio	15.64%
Franklin Financial Services Corporation [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	14.66%	14.82%
Tier 1 Risk-based Capital Ratio: Ratio	14.66%	14.82%
Total Risk-based Capital Ratio: Ratio	15.93%	16.08%
Tier 1 Leverage Ratio: Ratio	9.22%	9.72%
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	14.38%	14.62%
Common Equity Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	4.50%
Common Equity Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	6.50%
Tier 1 Risk-based Capital Ratio: Ratio	14.38%	14.62%
Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	6.00%
Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	8.00%
Total Risk-based Capital Ratio: Ratio	15.64%	15.87%
Total Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	8.00%
Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	10.00%
Tier 1 Leverage Ratio: Ratio	9.05%	9.59%
Tier 1 Leverage Ratio: Adequately Capitalized Minimum: Ratio	4.00%
Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio	5.00%

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 1,590	$ 1,647	$ 3,035	$ 3,099
Estate management services Fees recognition period			18 months
Asset Management Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	1,500	1,500	$ 2,800	2,800
Estate Management Services Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	40	84	73	154
Commisions [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 49	$ 68	$ 123	$ 135

Commitments And Contingencies_2

Commitments And Contingencies (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Jun. 30, 2020
Commitments And Contingencies [Abstract]
Allowance against letters of credit	$ 2,400	$ 2,100
Letters of credit cancelled		$ 250

Commitments And Contingencies_3

Commitments And Contingencies (Outstanding Commitments ) (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Commercial Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 253,981	$ 248,251
Consumer Commitments To Extend Credit (Secured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	61,545	56,898
Consumer Commitments To Extend Credit (Unsecured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	5,330	5,088
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	320,856	310,237
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 22,081	$ 26,382