Franklin Financial Services (FRAF) 10-K11 Mar 212020 FY Annual reportFinancial data

Company Profile

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
Document And Entity Information - USD ($)	Dec. 31, 2020	Feb. 28, 2021	Jun. 30, 2020
Document And Entity Information [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 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, par value $1.00 per share
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Trading Symbol	FRAF
Security Exchange Name	NASDAQ
ICFR Auditor Attestation	false
Entity Shell Company	false
Entity Public Float			$ 103,025,150
Entity Common Stock, Shares Outstanding		4,399,352
Entity Central Index Key	0000723646
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 17,059	$ 15,336
Short-term interest-bearing deposits in other banks	40,087	68,492
Total cash and cash equivalents	57,146	83,828
Long-term interest-bearing deposits in other banks	12,741	8,746
Debt securities available for sale, at fair value	396,940	187,433
Equity securities	391	440
Restricted stock	468	465
Loans held for sale	9,446	2,040
Loans	1,009,704	934,575
Allowance for loan losses	(16,789)	(11,966)
Net Loans	992,915	922,609
Premises and equipment, net	13,105	13,851
Right of use asset	5,272	5,126
Bank owned life insurance	22,288	23,748
Goodwill	9,016	9,016
Other real estate owned
Deferred tax asset, net	2,401	4,003
Other assets	12,909	7,852
Total assets	1,535,038	1,269,157
Deposits
Noninterest-bearing checking	259,060	192,108
Money management, savings and interest checking	1,019,348	843,936
Time	76,165	89,348
Total deposits	1,354,573	1,125,392
Subordinate notes	19,555
Lease liability	5,332	5,161
Other liabilities	10,402	11,076
Total liabilities	1,389,862	1,141,629
Commitments and contingent liabilities
Shareholders' equity
Common stock, $1 par value per share,15,000,000 shares authorized with 4,710,872 shares issued and 4,389,355 shares outstanding at December 31, 2020 and 4,709,849 shares issued and 4,352,753 shares outstanding at December 31, 2019	4,711	4,710
Capital stock no par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital	42,589	42,268
Retained earnings	102,520	94,946
Accumulated other comprehensive income (loss)	3,190	(5,986)
Treasury stock, 321,517 shares at December 31, 2020 and 357,096 shares at December 31, 2019, at cost	(7,834)	(8,410)
Total shareholders' equity	145,176	127,528
Total liabilities and shareholders' equity	$ 1,535,038	$ 1,269,157

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 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	4,710,872	4,709,849
Common Stock, Shares, Outstanding	4,389,355	4,352,753
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	321,517	357,096

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements Of Income - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Interest income
Loans, including fees	$ 39,186	$ 43,885
Interest and dividends on investments:
Taxable interest	4,710	2,724
Tax exempt interest	1,552	1,002
Dividend income	15	26
Interesting-bearing deposits in other banks	476	1,598
Total interest income	45,939	49,235
Interest expense
Deposits	3,551	7,077
Short-term borrowings		36
Subordinate notes	427
Total interest expense	3,978	7,113
Net interest income	41,961	42,122
Provision for (recovery of) loan losses	4,625	237
Net interest income after provision for loan losses	37,336	41,885
Noninterest income
Investment and trust services fees	6,040	6,141
Loan service charges	853	568
Gain on sale of loans	1,536	393
Deposit service charges and fees	1,977	2,419
Other service charges and fees	1,446	1,519
Debit card income	1,844	1,791
Increase in cash surrender value of life insurance	457	509
Bank owned life insurance gain	840	195
Other real estate owned gains, net		326
Net gains on sales of debt securities	29	256
Change in fair value of equity securities	(49)	66
Gain on sale of bank premises		597
Other	111	644
Total noninterest income	15,084	15,424
Noninterest Expense
Salaries and employee benefits	22,392	22,143
Net occupancy	3,350	3,402
Marketing and advertising	1,757	1,756
Legal and professional	1,802	1,774
Data processing	3,419	2,994
Pennsylvania bank shares tax	965	982
FDIC Insurance	457	104
ATM/debit card processing	1,088	1,026
Telecommunications	458	426
Other	3,674	3,707
Total noninterest expense	39,362	38,314
Income before federal income taxes	13,058	18,995
Federal income tax expense	258	2,880
Net income	$ 12,800	$ 16,115
Per share
Basic earnings per share	$ 2.94	$ 3.68
Diluted earnings per share	$ 2.93	$ 3.67

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019
Consolidated Statements Of Comprehensive Income [Abstract]
Net income		$ 12,800	$ 16,115
Debt Securities:
Unrealized gains arising during the period		12,366	1,591
Reclassification adjustment for losses (gains) included in net income	[1]	(29)	(256)
Net unrealized gains		12,337	1,335
Tax effect		(2,591)	(280)
Net of tax amount		9,746	1,055
Pension
Change in plan assets and benefit obligations		(1,626)	(1,388)
Reclassification for net actuarial losses included in net income		904	552
Net unrealized losses		(722)	(836)
Tax effect		152	175
Net of tax amount		(570)	(661)
Total other comprehensive income (loss)		9,176	394
Total Comprehensive Income		$ 21,976	$ 16,509

[1]	Reclassified to net gains on sales of debt securities

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 Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2018	$ 4,701	$ 41,530	$ 83,946	$ (6,380)	$ (5,401)	$ 118,396
Balance, shares at Dec. 31, 2018						4,408,761
Net income (loss)			16,115			$ 16,115
Other comprehensive income (loss)				394		394
Cash dividends declared			(5,115)			(5,115)
Acquisition of treasury stock					(3,846)	$ (3,846)
Acquisition of treasury stock, shares						(103,688)
Treasury shares reissued		27			47	$ 74
Treasury shares issued under dividend reinvestment plan		526			790	$ 1,316
Treasury shares issued under dividend reinvestment plan, shares						36,928
Stock Compensation Plans:
Treasury shares issued, shares						2,270
Common shares issued	9	185				$ 194
Common shares issued, shares						8,482
Balance at Dec. 31, 2019	4,710	42,268	94,946	(5,986)	(8,410)	$ 127,528
Balance, shares at Dec. 31, 2019						4,352,753
Net income (loss)			12,800			$ 12,800
Other comprehensive income (loss)				9,176		9,176
Cash dividends declared			(5,226)			(5,226)
Acquisition of treasury stock					(1,171)	$ (1,171)
Acquisition of treasury stock, shares						(36,401)
Treasury shares reissued		1			18	$ 19
Treasury shares issued under dividend reinvestment plan		107			1,729	$ 1,836
Treasury shares issued under dividend reinvestment plan, shares						71,227
Stock Compensation Plans:
Treasury shares issued, shares						753
Common shares issued	1	16				$ 17
Common shares issued, shares						1,023
Incentive stock options exercised		197				$ 197
Balance at Dec. 31, 2020	$ 4,711	$ 42,589	$ 102,520	$ 3,190	$ (7,834)	$ 145,176
Balance, shares at Dec. 31, 2020						4,389,355

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Consolidated Statements Of Changes In Shareholders' Equity [Abstract]
Dividend declared per share	$ 1.20	$ 1.17

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities
Net income	$ 12,800	$ 16,115
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,330	1,370
Net amortization of loans and investment securities	3,528	1,237
Amortization of subordinate debt issuance costs	14
Provision for (recovery of) loan losses	4,625	237
Decrease (increase) in fair value of equity securities	49	(66)
Debt securities losses (gains), net	(29)	(256)
Loans originated for sale	(105,300)	(30,692)
Proceeds from sale of loans	99,430	29,163
Gain on sales of loans held for sale	(1,536)	(393)
Gain on sale of premise and equipment		(597)
Write-down of other real estate owned		6
Net gain on sale or disposal of other real estate/other repossessed assets		(326)
Increase in cash surrender value of life insurance	(457)	(509)
Gain from surrender of life insurance policy	(840)	(188)
Stock option compensation	197
Contribution to pension plan	(1,000)
(Increase) decrease in other assets	(3,626)	1,089
(Decrease) increase in other liabilities	(798)	892
Deferred tax (benefit) expense	(839)	1,884
Net cash provided by operating activities	6,435	18,966
Cash flows from investing activities
Net increase in long-term interest-bearing deposits in other banks	(3,995)	(8,746)
Proceeds from sales and calls of investment securities available for sale	3,141	18,781
Proceeds from maturities and pay-downs of securities available for sale	38,541	30,743
Purchase of investment securities available for sale	(240,696)	(104,829)
Net increase in restricted stock	(3)	(13)
Net (increase) decrease in loans	(77,429)	38,105
Proceeds from sales of portfolio loans	913
Proceeds from the sale of other real estate owned/other repossessed assets		3,065
Proceeds from surrender of life insurance policy	3,698	444
Purchase of bank owned life insurance	(1,000)
Proceeds from sale of other assets		623
Capital expenditures	(484)	(1,654)
Net cash (used in) provided by investing activities	(277,314)	(23,481)
Cash flows from financing activities
Net increase in demand deposits, interest-bearing checking, and savings accounts	242,364	15,008
Net increase (decrease) in time deposits	(13,183)	27,755
Proceeds from subordinated notes, net of issuance costs	19,541
Dividends paid	(5,226)	(5,115)
Purchase of Treasury shares	(1,171)	(3,846)
Cash received from option exercises	36	268
Treasury shares issued under employee stock purchase plan	1,836	1,316
Net cash provided by financing activities	244,197	35,386
(Decrease) increase in cash and cash equivalents	(26,682)	30,871
Cash and cash equivalents at the beginning of the period	83,828	52,957
Cash and cash equivalents at the end of the period	57,146	83,828
Supplemental Disclosures of Cash Flow Information
Cash paid during the year for: Interest on deposits and other borrowed funds	4,234	6,870
Cash paid during the year for: Income taxes	4,367	250
Noncash Activities
Loans transferred to Other Real Estate		80
Lease liabilities arising from obtaining right-of-use assets	$ 584	$ 43

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	12 Months Ended
Summary Of Significant Accounting Policies	Dec. 31, 2020
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	Note 1. Summary of Significant Accounting Policies The accounting policies of Franklin Financial Services Corporation and its subsidiaries conform to U.S. generally accepted accounting principles and to general industry practices. A summary of the more significant accounting policies, which have been consistently applied in the preparation of the accompanying consolidated financial statements, follows: Principles of 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 and Franklin Future Fund Inc. Farmers and Merchants Trust Company of Chambersburg is a commercial bank (the Bank) that has one wholly-owned subsidiary, Franklin Financial Properties Corp., which holds real estate assets that are leased by the Bank. Franklin Future Fund Inc. is a non-bank investment company that makes venture capital investments within the Corporation’s primary market area. The activities of non-bank entities are not significant to the consolidated totals. All significant intercompany transactions have been eliminated in consolidation. Nature of Operations – The Corporation conducts substantially all of its business through its subsidiary bank, Farmers and Merchants Trust Company of Chambersburg, which serves its customer base through twenty-two community-banking offices located in Franklin, Cumberland, Fulton and Huntingdon Counties, Pennsylvania. These counties are considered to be the Corporation’s primary market area, but it may do business in the greater South-Central Pennsylvania market. The Bank is a community-oriented commercial bank that emphasizes customer service and convenience. As part of its strategy, the Bank has sought to develop a variety of products and services that meet the needs of both its retail and commercial customers. The Corporation and the Bank are subject to the regulations of various federal and state agencies and undergo periodic examinations by these regulatory authorities. Use of Estimates in the Preparation of Financial Statements – The preparation of financial statements in conformity with generally accepted accounting principles requires Management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements as well as the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses. Significant Group Concentrations of Credit Risk – Most of the Corporation’s activities are with customers located within its primary market area. Note 4 of the consolidated financial statements shows the types of securities in which the Corporation invests. Note 5 of the consolidated financial statements shows the types of lending in which the Corporation engages. The Corporation does not have any significant concentrations of any one industry or customer. Statement of Cash Flows – 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. Investment Securities – Management classifies its debt securities at the time of purchase as available for sale or held to maturity. At December 31, 2020 and 2019, all debt securities were classified as available for sale, meaning that the Corporation intends to hold them for an indefinite period of time, but not necessarily to maturity. Available for sale debt securities are stated at estimated fair value, adjusted for amortization of premiums and accretion of discounts which are recognized as adjustments of interest income through call date or maturity. The related unrealized gains and losses are reported as other comprehensive income or loss, net of tax, until realized. Declines in the fair value of held-to-maturity and available-for-sale debt securities to amounts below cost that are deemed to be other-than-temporary are reflected in earnings as realized losses. In estimating the other-than-temporary impairment losses, Management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) if the Corporation does not intend to sell the security or it if is not more likely than not that the Corporation will be required to sell the security before recovery of its amortized cost. When a determination is made that an other-than-temporary impairment exists but the Corporation does not intend to sell the debt security and it is not more likely than not that it will be required to sell the debt security prior to its anticipated recovery, the other-than-temporary impairment is separated into (a) the amount of the total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the debt security (the credit loss) and (b) the amount of the total other-than-temporary impairment related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss is recognized in earnings. The amount of the total other-than-temporary impairment related to all other factors is recognized in other comprehensive income. Realized securities gains and losses are computed using the specific identification method. Gains or losses on the disposition of debt investment securities are recorded on the trade date, based on the net proceeds and the adjusted carrying amount of the specific security sold. Equity investments are carried at fair value with changes in fair value recognized in net income. Restricted Stock – Restricted stock, which is carried at cost, consists of stock of the Federal Home Loan Bank of Pittsburgh (FHLB) and Atlantic Central Bankers Bank (ACBB). The Bank held $ 468 thousand of restricted stock at the end of 2020. With the exception of $ 30 thousand, this investment represents stock in the FHLB that the Bank is required to hold in order to be a member of FHLB and is carried at a cost of $ 100 per share. FHLB stock is divided into two classes: membership stock and activity stock, which is based on outstanding loan balances. Federal law requires a member institution of the FHLB to hold FHLB stock according to a predetermined formula. Management evaluates the restricted stock for impairment in accordance with ASC Topic 320. Management’s determination of whether these investments are impaired is based on their assessment of the ultimate recoverability of their cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of their cost is influenced by criteria such as (1) the significance of the decline in net assets of the banks as compared to the capital stock amount for the banks and the length of time this situation has persisted, (2) commitments by the banks to make payments required by law or regulation and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the banks. As a government sponsored entity, FHLB has the ability to raise funding through the U.S. Treasury that can be used to support its operations. There is not a public market for FHLB or ACBB stock and the benefits of membership (e.g., liquidity and low-cost funding) add value to the stock beyond purely financial measures. Management intends to remain a member of the FHLB and believes that it will be able to fully recover the cost basis of this investment. Management believes no impairment charge is necessary related to the FHLB or ACBB restricted stock as of December 31, 2020. Financial Derivatives - FASB ASC 815, Derivatives and Hedging (“ASC 815”), provides the disclosure requirements for derivatives and hedging activities with the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how the entity accounts for derivative instruments and related hedged items, and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows. Further, qualitative disclosures are required that explain the Company’s objectives and strategies for using derivatives, as well as quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments. As required by ASC 815, the Corporation records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Corporation has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Derivatives may also be designated as hedges of the foreign currency exposure of a net investment in a foreign operation. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Corporation may enter into derivative contracts that are intended to economically hedge certain of its risk, even though hedge accounting does not apply, or the Corporation elects not to apply hedge accounting. In accordance with the FASB’s fair value measurement guidance (in ASU 2011-04), the Corporation made an accounting policy election to measure the credit risk of its derivative financial instruments that are subject to master netting agreements on a net basis by counterparty portfolio. At December 31, 2020, there were no derivatives subject to a netting agreement. Loans – Loans, that Management has the intent and ability to hold for the foreseeable future or until maturity or payoff, are stated at the outstanding unpaid principal balances, net of any deferred fees. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans using the interest method. The Corporation is amortizing these amounts over the contractual life of the loan. The accrual of interest is generally discontinued when the contractual payment of principal or interest has become 90 days past due or Management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in a prior year is charged against the allowance for loan losses. Payments received on nonaccrual loans are applied initially against principal, then interest income, late charges and any other expenses and fees. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Consumer loans are typically charged off no later than 180 days past due. Past due status is based on contractual terms of the loans. Loans Held for Sale – Mortgage loans originated and intended for sale in the secondary market at the time of origination are carried at the lower of cost or estimated fair value (determined on an aggregate basis). All sales are made without recourse. Loans held for sale at December 31, 2020 represent loans originated through third-party brokerage agreements for a pre-determined price and present no price risk to the Bank. Allowance for Loan Losses – The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is maintained at a level considered adequate to provide for probable incurred losses that can be reasonably anticipated. Management’s periodic evaluation of the adequacy of the allowance is based on the Bank’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions, diversification of the loan portfolio, delinquency statistics, results of internal loan reviews, borrowers’ actual or perceived financial and managerial strengths, and other relevant factors. This evaluation is inherently subjective, as it requires material estimates that may be susceptible to significant change, including the amounts and timing of future cash flows expected to be received on impaired loans. The Corporation’s allowance for probable incurred loan losses consists of three components: specific, general and unallocated. The specific component addresses specific reserves established for impaired loans. A loan is considered impaired when, based on current information and events, it is probably that the Bank will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Nonaccrual loans and troubled debt restructurings (TDRs) are impaired loan. A TDR loan is a loan that has had its terms modified resulting in a concession due to the financial difficulties of the borrower. Factors considered by Management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and commercial real estate loans by one of the following methods: the fair value of the collateral if the loan is collateral dependent, the present value of expected future cash flows discounted at the loan’s effective interest rate or the loan’s obtainable market price. Commercial loans with a balance less than $250 thousand, and all consumer purpose loans are not included in the specific reserve analysis as impaired loans but are added to the general allocation pool. Loans that are evaluated for a specific reserve, but not needing a specific reserve are not added back to general allocation pool. The general allocation component addresses the reserves established for pools of homogenous loans. The general component includes a quantitative and qualitative analysis. When calculating the general allocation, the Bank segregates its loan portfolio into the following segments based primarily on the type of supporting collateral: residential real estate, commercial, industrial or agricultural real estate; commercial and industrial (commercial non-real estate), and consumer. Each segment may be further segregated by type of collateral, lien position, or owner/nonowner occupied properties. The quantitative analysis uses the Bank’s twenty quarter rolling historical loan loss experience as determined for each loan segment to determine a loss factor applicable to each loan segment. The qualitative analysis utilizes a risk matrix that incorporates four primary risk factors: economic conditions, delinquency, classified loans, and level of risk, and assigns a risk level (as measured in basis points) to each factor. In determining the risk level for these primary factors, consideration is given to operational factors such as: loan volume, management, loan review process, credit concentrations, competition, and legal and regulatory issues. The level of risk (as measured in basis points) for each primary factor is set for five risk levels ranging from minimal risk to very high risk and is determined independently for commercial loans, residential mortgage loans and consumer loans. An unallocated component is maintained to cover uncertainties that could affect Management’s estimate of probable incurred loss. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. This estimate, if changed only several basis points, could vary by several hundred thousand dollars. Therefore, management believes some level of unallocated allowance should be maintained to account for this imprecision. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment using historical charge-offs as the starting point in estimating loss. Accordingly, the Corporation may not separately identify individual consumer and residential loans for impairment disclosures. Premises and Equipment – Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed using the straight-line method over the estimated useful lives of the related assets or the lease term for lease hold improvements, whichever is shorter. When assets are retired or sold, the asset cost and related accumulated depreciation are eliminated from the respective accounts, and any resultant gain or loss is included in net income. The cost of maintenance and repairs is charged to operating expense as incurred, and the cost of major additions and improvements is capitalized. Goodwill – The Bank has $ 9.0 million of goodwill recorded on its balance sheet as the result of corporate acquisitions. Goodwill is not amortized, nor deductible for tax. However, goodwill is tested for impairment at least annually in accordance with ASC Topic 350. Goodwill was tested for impairment as of August 31, 2020. The 2020 impairment test was conducted using several quantitative methods, including an income approach, market value approach and a change of control acquisition approach. Each of these quantitative approaches included different scenarios with different assumptions. These scenarios were weighted based upon Management’s judgement. ASC Topic 350 also allows for a qualitative assessment method that requires the use of significant assumptions in order to make a determination of impairment which the Corporation used as of August 31, 2019. These assumptions may include, but are not limited to: macroeconomic factors, banking industry conditions, banking merger and acquisition trends, the Bank’s historical financial performance, the Corporation’s stock price, forecast Bank financial performance, and change of control premiums. Bank Owned Life Insurance – The Bank invests in bank owned life insurance (BOLI) as a source of funding for employee benefit expenses. The Bank purchases life insurance coverage on the lives of a select group of employees. The Bank is the owner and beneficiary of the policies and records the investment at the cash surrender value of the underlying policies. Income from the increase in cash surrender value of the policies is included in noninterest income. Other Real Estate Owned (OREO) – Foreclosed real estate (OREO) is comprised of property acquired through a foreclosure proceeding or an acceptance of a deed in lieu of foreclosure. Balances are initially reflected at the estimated fair value less any estimated disposition costs, with subsequent adjustments made to reflect further declines in value. Any losses realized upon disposition of the property, and holding costs prior thereto, are charged against income. All properties are actively marketed to potential buyers. Transfers of Financial Assets – Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Corporation, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Corporation does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Federal Income Taxes – Deferred income taxes are provided on the liability method whereby deferred tax assets are recognized for deductible temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and their tax bases. Deferred tax assets are reduced by a valuation allowance, when in the opinion of Management, it is more likely than not that some portion or all deferred tax assets will not be realized. Deferred tax assets and liabilities are adjusted through the provision for income taxes for the effects of changes in tax laws and rates on the date of enactment. ASC Topic 740 prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more-likely-than-not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. ASC Topic 740, “Income Taxes” also provides guidance on the accounting for and disclosure of unrecognized tax benefits, interest and penalties. Advertising Expenses – Advertising costs are expensed as incurred. Treasury Stock – The acquisition of treasury stock is recorded under the cost method. The subsequent disposition or sale of the treasury stock is recorded using the average cost method. Investment and Trust Services – Assets held in a fiduciary capacity are not assets of the Corporation and therefore are not included in the consolidated financial statements. The fair value of trust assets under management (including assets held at third party brokers) at December 31, 2020 was $ 949.0 million and $ 918.9 million at the prior year-end. Off-Balance Sheet Financial Instruments – In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit. Such financial instruments are recorded on the balance sheet when they are funded. The amount of any liability for the credit risk associated with off-balance sheet financial instruments is recorded in other liabilities and was not material to the financial position of the Corporation at December 31, 2020 or 2019. Stock-Based Compensation – The Corporation accounts for stock-based compensation in accordance with the ASC Topic 718, “Stock Compensation.” ASC Topic 718 requires compensation costs related to share-based payment transactions to be recognized in the financial statements (with limited exceptions). The amount of compensation cost is measured based on the grant-date fair value of the equity or liability instruments issued and forfeitures are accounted for as they occur. Compensation cost is recognized over the period that an employee provides services in exchange for the award. The Corporation does not allow the employee to use shares to satisfy employer income tax withholding obligations. Pension – The provision for pension expense was actuarially determined using the projected unit credit actuarial cost method. The funding policy is to contribute an amount sufficient to meet the requirements of ERISA, subject to Internal Revenue Code contribution limitations. In accordance with ASC Topic 715, “Compensation – Retirement Benefits”, the Corporation recognizes the plan’s over-funded or under-funded status as an asset or liability with an offsetting adjustment to Accumulated Other Comprehensive Income (AOCI). ASC Topic 715 requires the determination of the fair value of a plan’s assets at the company’s year-end and the recognition of actuarial gains and losses, prior service costs or credits, transition assets or obligations as a component of AOCI. These amounts will be subsequently recognized as components of net periodic benefit costs. Further, actuarial gains and losses that arise in subsequent periods that are not initially recognized as a component of net periodic benefit costs will be recognized as a component of AOCI. Those amounts will subsequently be recorded as component of net periodic benefit costs as they are amortized during future periods. Earnings per share – Earnings per share are computed based on the weighted average number of shares outstanding during each year. The Corporation’s basic earnings per share are calculated as net income divided by the weighted average number of shares outstanding. For diluted earnings per share, net income is divided by the weighted average number of shares outstanding plus the incremental number of shares added as a result of converting common stock equivalents, calculated using the treasury stock method. The Corporation’s common stock equivalents consist of stock options. A reconciliation of the weighted average shares outstanding used to calculate basic earnings per share and diluted earnings per share follows: (Dollars and shares in thousands, except per share data) 2020 2019 Weighted average shares outstanding (basic) 4,357 4,375 Impact of common stock equivalents 9 21 Weighted average shares outstanding (diluted) 4,366 4,396 Anti-dilutive options excluded from calculation 71 10 Net income $ 12,800 $ 16,115 Basic earnings per share $ 2.94 $ 3.68 Diluted earnings per share $ 2.93 $ 3.67 Segment Reporting – The Bank acts as an independent community financial services provider and offers traditional banking and related financial services to individual, business and government customers. Through its community offices and electronic banking applications, the Bank offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of safe deposit services. The Bank also performs personal, corporate, pension and fiduciary services through its Investment and Trust Services Department. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial, retail, mortgage banking and trust operations of the Bank. As such, discrete information is not available and segment reporting would not be meaningful. Risk and Uncertainties – On March 11, 2020, the World Health Organization announced that the COVID-19 outbreak was deemed a pandemic, and on March 13, 2020, the President declared the ongoing COVID-19 pandemic of sufficient magnitude to warrant an emergency declaration. The extent to which the coronavirus may impact business activity or investment results will de pend 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 teat its impact, among others. The economic effects of the COVID-19 pandemic may negatively impact significant estimates and the assumptions underlying those estimates. The estimate that is particularly susceptible to material change is the determination of the allowance for loan losses. Comprehensive Income – Comprehensive income is reflected in the Consolidated Statements of Comprehensive Income and includes net income and unrealized gains or losses, net of tax, on investment securities, reclassifications and the change in plan assets and benefit obligations on the Bank’s pension plan, net of tax. Reclassification – Certain prior period amounts may have been reclassified to conform to the current year presentation. Such reclassifications did not affect reported net income. Recent Accounting Pronouncements: 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 bee

Regulatory Matters

Regulatory Matters	12 Months Ended
Regulatory Matters	Dec. 31, 2020
Regulatory Matters [Abstract]
Regulatory Matters	Note 2. Regulatory Matters The Bank is limited as to the amount it may lend to the Corporation, unless such loans are collateralized by specific obligations. State regulations also limit the amount of dividends the Bank can pay to the Corporation and are generally limited to the Bank’s accumulated net earnings, which were $ 103.8 million at December 31, 2020. In addition, dividends paid by the Bank to the Corporation would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements. The Bank is subject to various regulatory capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgements by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). Although not adopted in regulation form, the Pennsylvania Department of Banking utilizes capital standards requiring a minimum leverage capital ratio of 6 % and a risk-based capital ratio of 10 %, defined substantially the same as those by the FDIC. Management believes, as of December 31, 2020, that the Bank met all capital adequacy requirements to which it is subject. The Corporation and the Bank are subject to the capital requirements contained in the regulation generally referred to as Basel III. The Basel III standards were effective for the Corporation and the Bank, effective January 1, 2015. Basel III imposes significantly higher capital requirements and more restrictive leverage and liquidity ratios than those previously in place. The capital ratios to be considered “well capitalized” under Basel III 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 %. The CET1 ratio is a new capital ratio under Basel III and the Tier 1 risk-based capital ratio of 8 % has been increased from 6 %. The rules also included changes in the risk weights of certain assets to better reflect credit and other risk exposures. 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 (“adequately capitalized”) for each respective capital measurement. The Bank’s capital conservation buffer at December 31, 2020 was 7.33 % compared to the regulatory buffer of 2.50 %. Compliance with the capital conservation buffer is required in order to avoid limitations certain capital distributions. As of December 31, 2020, the Bank was “well capitalized’ under the Basel III requirements. The minimum capital ratios (shown as “adequately capitalized”) and the “well capitalized” capital ratios are reported on Note 2 of the accompanying financial statements. The net unrealized gain or loss on available for sale securities and defined benefit pension items are not included in computing regulatory capital. On August 4, 2020, the Corporation completed the sale of a $ 20.0 million subordinated debt note offering (see Note 13). 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. At December 31, 2020, t he Corporation had $ 20 million of unsecured subordinated debt notes payable, $ 15.0 million which mature on September 1, 2030 and $ 5.0 million which mature on September 1, 2035. The notes are recorded on the consolidated balance sheet net of remaining debt issuance costs totaling $ 452.9 thousand at December 31, 2020, which is being amortized on a pro-rata basis over a 5 -year and 10 -year period, based on the call dates of the notes, on an effective interest method. The subordinated notes totaling $ 15.0 million have a fixed interest rate of 5.00 % through September 1, 2025, then convert to a variable rate of 90-day Secured Overnight Financing Rate (SOFR) plus 4.93 % for the applicable interest periods through maturity. The subordinated notes totaling $ 5.0 million have a fixed interest rate of 5.25 % through September 1, 2030, then convert to a variable rate of 90-day SOFR plus 4.92 % for the applicable interest periods through maturity. The Corporation may, at its option, redeem the notes, in whole or in part, at any time 5 -years prior to the maturity. The notes are structured to qualify as Tier 2 Capital for the Corporation and there are no debt covenants on the notes. 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 Basel III risk-based capital rule. The CBLR rule was effective January 1, 2020 and banks could opt-in through an election in the first quarter 2020 regulatory filings. The Bank meets the criteria of a QCBO but did not opt-in to the CBLR. The Bank is participating in the Paycheck Protection Program (PPP) and has access to 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. At December 31, 2020, the Bank had no PPP loans pledged as collateral for PPPLF advances. 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 presents the regulatory capital ratio requirements for the Corporation and the Bank. As of December 31, 2020 Regulatory Ratios Adequately Capitalized Well Capitalized Actual Minimum Minimum (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Common Equity Tier 1 Risk-based Capital Ratio (1) Corporation $ 132,970 14.32 % $ 41,788 N/A N/A N/A Bank 130,678 14.07 % 41,809 4.50 % $ 60,390 6.50 % Tier 1 Risk-based Capital Ratio (2) Corporation $ 132,970 14.32 % $ 55,717 N/A N/A N/A Bank 130,678 14.07 % 55,745 6.00 % $ 74,326 8.00 % Total Risk-based Capital Ratio (3) Corporation $ 164,230 17.69 % $ 74,289 N/A N/A N/A Bank 142,384 15.33 % 74,326 8.00 % $ 92,908 10.00 % Tier 1 Leverage Ratio (4) Corporation $ 132,970 8.69 % $ 61,191 N/A N/A N/A Bank 130,678 8.54 % 61,222 4.00 % $ 76,527 5.00 % As of December 31, 2019 Regulatory Ratios Adequately Capitalized Well Capitalized Actual Minimum Minimum (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Common Equity Tier 1 Risk-based Capital Ratio (1) Corporation $ 124,498 14.82 % $ 37,808 N/A N/A N/A Bank 122,974 14.62 % 37,859 4.50 % $ 54,682 6.50 % Tier 1 Risk-based Capital Ratio (2) Corporation $ 124,498 14.82 % $ 50,410 N/A N/A N/A Bank 122,974 14.62 % 50,479 6.00 % $ 67,305 8.00 % Total Risk-based Capital Ratio (3) Corporation $ 135,061 16.08 % $ 67,214 N/A N/A N/A Bank 133,537 15.87 % 67,305 8.00 % $ 84,131 10.00 % Tier 1 Leverage Ratio (4) Corporation $ 124,498 9.72 % $ 51,216 N/A N/A N/A Bank 122,974 9.59 % 51,285 4.00 % $ 64,107 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

Restricted Cash Balances

Restricted Cash Balances	12 Months Ended
Restricted Cash Balances	Dec. 31, 2020
Restricted Cash Balances [Abstract]
Restricted Cash Balances	Note 3. Restricted Cash Balances In March 2020, the Federal Reserve reduced the reserve requirement on the Bank’s deposit liabilities to 0 %. Prior to this change the Bank was required to hold reserves against its deposit liabilities in the form of vault cash and/or balances with the Federal Reserve Bank. The Bank was no t required to hold any reserves at December 31, 2020 and held $ 10.1 million in reserves at December 31, 2019, which was satisfied by the Bank’s vault cash and balances held at the Federal Reserve.

Investments

Investments	12 Months Ended
Investments	Dec. 31, 2020
Investments [Abstract]
Investments	Note 4. Investments Available for Sale (AFS) Securities The following table summarizes the amortized cost and fair value of securities available-for-sale and securities held-to-maturity at December 31, 2020 and 2019 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) and gross unrecognized gains and losses. The amortized cost and estimated fair value of investment securities available for sale as of December 31, 2020 and 2019 is as follows: (Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair December 31, 2020 cost gains losses value U.S. Government and Agency securities $ 12,594 $ 20 $ ( 40 ) $ 12,574 Municipal securities 236,253 11,020 ( 219 ) 247,054 Trust preferred and Corporate securities 20,421 22 ( 155 ) 20,288 Agency mortgage-backed securities 70,443 1,905 ( 107 ) 72,241 Private-label mortgage-backed securities 8,412 56 ( 15 ) 8,453 Asset-backed securities 36,246 249 ( 165 ) 36,330 Total $ 384,369 $ 13,272 $ ( 701 ) $ 396,940 (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 Total $ 187,199 $ 1,920 $ ( 1,686 ) $ 187,433 At December 31, 2020 and 2019, the fair value of investment securities pledged to secure public funds and trust deposits totaled $ 137.4 million and $ 107.1 million, respectively. The Bank has no investment in a single issuer that exceeds 10 % of shareholders equity. The amortized cost and estimated fair value of debt securities at December 31, 2020, by contractual maturity are shown below. Actual maturities may differ from contractual maturities because of prepayment or call options embedded in the securities. Mortgage-backed securities without defined maturity dates are reported on a separate line. (Dollars in thousands) Amortized cost Fair value Due in one year or less $ 4,369 $ 4,388 Due after one year through five years 21,250 21,857 Due after five years through ten years 216,196 225,142 Due after ten years 27,453 28,529 269,268 279,916 Mortgage-backed and asset-backed securities 115,101 117,024 Total $ 384,369 $ 396,940 The composition of the net realized securities gains for the years ended December 31 is as follows: (Dollars in thousands) 2020 2019 Proceeds $ 3,141 $ 18,781 Gross gains realized 62 285 Gross losses realized ( 33 ) ( 29 ) Net gains realized $ 29 $ 256 Tax (provision) benefit on net gains (losses) realized $ 6 $ 54 Impairment : The following table reflects the temporary impairment in the investment 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 December 31, 2020 and 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 December 31, 2020, was deemed to be temporary and required no further adjustments to the financial statements, unless otherwise noted. December 31, 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 $ 3,966 $ ( 21 ) 5 $ 4,185 $ ( 19 ) 11 $ 8,151 $ ( 40 ) 16 Municipal securities 27,022 ( 219 ) 28 — — — 27,022 ( 219 ) 28 Trust preferred and Corporate securities 7,576 ( 37 ) 13 3,040 ( 118 ) 4 10,616 ( 155 ) 17 Agency mortgage-backed securities 18,390 ( 101 ) 17 3,355 ( 6 ) 5 21,745 ( 107 ) 22 Private-label mortgage-backed securities 2,506 (15) 2 — — — 2,506 (15) 2 Asset-backed securities 1,458 ( 12 ) 2 11,452 ( 153 ) 15 12,910 ( 165 ) 17 Total temporarily impaired securities $ 60,918 $ ( 405 ) 67 $ 22,032 $ ( 296 ) 35 $ 82,950 $ ( 701 ) 102 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 debt securities recognized in earnings as of December 31, 2020 (Dollars in thousands) Twelve Months Ended 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 December 31 $ 272 $ 272 Equity Securities at fair value The Corporation owns one equity investment with a readily determinable fair value. At December 31, 2020 and 2019, this investment was reported at a fair value of $391 thousand and $440 thousand, respectively, with changes in value reported through income.

Loans

Loans	12 Months Ended
Loans	Dec. 31, 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 mortgage loans include long-term loans to individuals and businesses secured by mortgages on the borrower’s real property. 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 loans are made to businesses of various sizes for a variety of purposes including construction, property, plant and equipment, and working capital. Commercial loans also include 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, home equity 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. The Bank usually holds a first lien position on these properties but may hold a second lien position in some home equity loans or lines of credit. 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 indicators occur 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 commercial loans due to the taxing authority of the municipality and its ability to assess fees on services. This class also includes loans made as part of the Paycheck Protection Program (PPP). The PPP is a small business loan program designed to assist in allowing small businesses to keep workers on the payroll during the COVID-19 pandemic. When workers are kept on the payroll for the qualifying period, the loan could be forgiven if the small business incurs eligible expenses. The PPP loans are 100 percent guaranteed by the SBA and have a maturity of two years or five years with a fixed interest rate of 1 % for the life of the loan. Because the PPP loans are 100% guaranteed by the SBA, they present no credit risk to the Bank once the SBA guarantee is fulfilled, if necessary. However, if the SBA does not grant loan forgiveness, the PPP loan would present the same risk factors as any other commercial loan. The PPP loan is only designed to cover short-term operating needs of the borrower. If the economy does not recover quickly from the pandemic and the borrower experiences long-term operational problems beyond the PPP funding, the performance of other loans to these customers could begin to deteriorate. 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 primary collateral, at December 31 is as follows: (Dollars in thousands) 2020 2019 Residential Real Estate 1-4 Family Consumer first liens $ 77,373 $ 85,319 Commercial first lien 59,851 57,627 Total first liens 137,224 142,946 Consumer junior liens and lines of credit 60,935 42,715 Commercial junior liens and lines of credit 4,425 4,882 Total junior liens and lines of credit 65,360 47,597 Total residential real estate 1-4 family 202,584 190,543 Residential real estate - construction Consumer 6,751 4,107 Commercial 9,558 9,216 Total residential real estate construction 16,309 13,323 Commercial real estate 503,977 494,262 Commercial 281,257 230,007 Total commercial 785,234 724,269 Consumer 5,577 6,440 1,009,704 934,575 Less: Allowance for loan losses ( 16,789 ) ( 11,966 ) Net Loans $ 992,915 $ 922,609 Included in the loan balances are the following: Net unamortized deferred loan costs $ 8 $ 178 Loans pledged as collateral for borrowings and commitments from: FHLB $ 840,850 $ 764,340 Federal Reserve Bank 50,605 32,155 Total $ 891,455 $ 796,495 Paycheck Protection Program (PPP) loans (included in Commercial loans above) Two-year loans $ 5,378 $ — Five-year loans 46,912 — Total Paycheck Protection Program loans $ 52,290 $ — Unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above) Two-year loans $ ( 165 ) $ — Five-year loans ( 1,178 ) — Total unamortized deferred PPP loan fees $ ( 1,343 ) $ — Loans to directors and executive officers and related interests and affiliated enterprises were as follows: (Dollars in thousands) 2020 2019 Balance at beginning of year $ 10,321 $ 20,489 New loans made 2,401 557 Repayments ( 2,118 ) ( 10,725 ) Balance at end of year $ 10,604 $ 10,321

Loan Quality

Loan Quality	12 Months Ended
Loan Quality	Dec. 31, 2020
Loan Quality [Abstract]
Loan Quality	Note 6. Loan Quality Management utilizes a risk rating scale ranging from 1-Prime to 9-Loss to evaluate loan quality. This risk rating scale is used primarily for commercial purpose loans. Consumer purpose loans are identified as either a pass or substandard rating based on the performance status of the loans. Substandard consumer loans are loans that are nonaccrual or 90 days or more past due and still accruing. Loans rated 1 – 4 are considered pass credits. Loans that are rated 5-Pass Watch are pass credits but have been identified as credits that are likely to warrant additional attention and monitoring. Loans rated 6-OAEM or worse begin to receive enhanced monitoring and reporting by the Bank. Loans rated 7-Substandard or 8-Doubtful exhibit the greatest financial weakness and present the greatest possible risk of loss to the Bank. Nonaccrual loans are rated no better than 7-Substandard. The following factors represent some of the factors used in determining the risk rating of a borrower: cash flow, debt coverage, liquidity, management, and collateral. Risk ratings, for pass credits, are generally reviewed annually for term debt and at renewal for revolving or renewing debt. The following table reports on the risk rating for those loans in the portfolio that are assigned an individual risk rating as of December 31, 2020 and 2019 Pass OAEM Substandard Doubtful (Dollars in thousands) (1-5) (6) (7) (8) Total December 31, 2020 Residential Real Estate 1-4 Family First liens $ 137,156 $ — $ 68 $ — $ 137,224 Junior liens and lines of credit 65,350 — 10 — 65,360 Total 202,506 — 78 — 202,584 Residential real estate - construction 15,797 — 512 — 16,309 Commercial real estate 449,478 35,947 18,552 — 503,977 Commercial 270,272 10,698 287 — 281,257 Consumer 5,565 — 12 — 5,577 Total $ 943,618 $ 46,645 $ 19,441 $ — $ 1,009,704 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 Delinquent loans are a result of borrowers’ cash flow and/or alternative sources of cash being insufficient to repay loans. The Bank’s likelihood of collateral liquidation to repay the loans becomes more probable the further behind a borrower falls, particularly when loans reach 90 days or more past due. Management monitors the performance status of loans by the use of an aging report. The aging report can provide an early indicator of loans that may become severely delinquent and possibly result in a loss to the Bank. The following table presents the aging of payments in the loan portfolio as of December 31, 2020 and 2019 (Dollars in thousands) Loans Past Due and Still Accruing Total Current 30-59 Days 60-89 Days 90 Days+ Total Non-Accrual Loans December 31, 2020 Residential Real Estate 1-4 Family First liens $ 137,056 $ 43 $ 58 $ 26 $ 127 $ 41 $ 137,224 Junior liens and lines of credit 65,212 115 23 — 138 10 65,360 Total 202,268 158 81 26 265 51 202,584 Residential real estate - construction 15,797 — — — — 512 16,309 Commercial real estate 495,609 74 261 — 335 8,033 503,977 Commercial 280,930 219 — — 219 108 281,257 Consumer 5,525 38 2 12 52 — 5,577 Total $ 1,000,129 $ 489 $ 344 $ 38 $ 871 $ 8,704 $ 1,009,704 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 Impaired loans generally represent Management’s determination that the borrower will be unable to repay the loan in accordance with its contractual terms and that collateral liquidation may or may not fully repay both interest and principal. It is the Bank’s policy to evaluate the probable collectability of principal and interest due under terms of loan contracts for all loans 90-days or more, nonaccrual loans, or impaired loans. Further, it is the Bank’s policy to discontinue accruing interest on loans that are not adequately secured and in the process of collection. Upon determination of nonaccrual status, the Bank subtracts any current year accrued and unpaid interest from its income, and any prior year accrued and unpaid interest from the allowance for loan losses. Management continually monitors the status of nonperforming loans, the value of any collateral and potential of risk of loss. Commercial loans are charged-off immediately upon identification of a loss. If a loan (commercial or mortgage) is collateral dependent (repayment provided solely by the collateral), the value of the collateral is determined and a partial charge-off may be recorded. Consumer loans are charged-off no later than 180 days past due. At December 31, 2020, the Bank had $68 thousand of residential properties in the process of foreclosure compared to $41 thousand at the end of 2019. Interest not recognized on nonaccrual loans was $343 thousand and $304 thousand for the years ended December 31, 2020 and 2019, respectively. In addition to monitoring nonaccrual loans, the Bank also closely monitors impaired loans and troubled debt restructurings. A loan is considered to be impaired when, based on current information and events, it is probable that the Bank will be unable to collect all interest and principal payments due according to the originally contracted terms of the loan agreement. Nonaccrual loans, excluding consumer purpose loans, and troubled-debt restructuring (TDR) loans are considered impaired. Commercial loans with a balance less than $250 thousand, and all consumer purpose loans are not included in the specific reserve analysis as impaired loans but are added to the general allocation pool . Impaired loans totaled $17.3 million at December 31, 2020 compared to $12.2 million at December 31, 2019. The following tables present information on impaired loans: Impaired Loans With No Allowance With Allowance (Dollars in thousands) Unpaid Unpaid Recorded Principal Recorded Principal Related December 31, 2020 Investment Balance Investment Balance Allowance Residential Real Estate 1-4 Family First liens $ 637 $ 637 $ — $ — $ — Junior liens and lines of credit — — — — — Total 637 637 — — — Residential real estate - construction 512 729 — — — Commercial real estate 10,402 11,107 5,702 5,702 228 Commercial — — — — — Total $ 11,551 $ 12,473 $ 5,702 $ 5,702 $ 228 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 $ — $ — $ — Twelve Months Ended December 31, 2020 December 31, 2019 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 648 $ 40 $ 668 $ 39 Junior liens and lines of credit — — — — Total 648 40 668 39 Residential real estate - construction 518 — 619 — Commercial real estate 13,839 390 13,319 397 Commercial — — — — Total $ 15,005 $ 430 $ 14,606 $ 436 A loan is considered a troubled debt restructuring (TDR) if the creditor (the Bank), for economic or legal reasons related to the debtor’s financial difficulties, grants a concession to the debtor that it would not otherwise consider. These concessions may include lowering the interest rate, extending the maturity, reamortization of payment, or a combination of multiple concessions. The Bank reviews all loans rated 6-OAEM or worse when it is providing a loan restructure, modification or new credit facility to determine if the action is a TDR. If a TDR loan is placed on nonaccrual status, it remains on nonaccrual status for at least six months to ensure performance. The cash basis income recognized is the same as the accrual basis income. The following table presents TDR loans as of December 31, 2020 and 2019: 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 December 31, 2020 Residential real estate - construction 1 $ 434 $ 434 $ — — $ — Residential real estate 4 637 637 — — — Commercial real estate - owner occupied 4 1,224 1,224 — — — Commercial real estate - farmland 6 2,257 2,257 — — — Commercial real estate - construction and land development 2 6,129 6,129 — — — Commercial real estate 2 330 122 208 — — Total 19 $ 11,011 $ 10,803 $ 208 — $ — December 31, 2019 Residential real estate - construction 1 $ 444 $ 444 $ — — $ — Residential real estate 4 659 659 — — — Commercial real estate - owner occupied 2 846 846 — — — Commercial real estate - farmland 5 1,646 1,646 — — — Commercial real estate - construction and land development 2 6,487 6,487 — — — Commercial real estate 2 364 364 — — — Total 16 $ 10,446 $ 10,446 $ — — $ — * The performing status is determined by the loan’s compliance with the modified terms. The following table presents new TDR loans made during the year ended December 31, 2020: New During Period Twelve Months Ended Number of Pre-TDR After-TDR Recorded December 31, 2020 Contracts Modification Modification Investment Concession Commercial real estate - farm land 1 $ 650 $ 650 $ 694 multiple Commercial real estate - owner occupied 2 426 426 425 maturity 3 $ 1,076 $ 1,076 $ 1,119 There were no new TDR loans made during the year ended December 31, 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 or Section 4013 of the CARES Act . Loans may be modified under Section 4013 until the earlier of January 1, 2022 or the 60 th day after the end of the COVID-19 national emergency declared by the President. As of December 31, 2020, the Bank has granted approximately $ 68 million loan deferrals or modifications (approximately 7 % of gross loans) down from $ 196 million ( 19 % of gross loans) as of June 30, 2020. The Section 4013 modified loans at December 31, 2020 were comprised of $ 53.9 million paying interest only (principal payment deferred), $ 5.6 million with an interest only payment deferred and $ 8.0 million with both principal and interest payment deferred. Allowance for Loan Losses: Management monitors loan performance on a monthly basis and performs a quarterly evaluation of the adequacy of the allowance for loan losses (ALL). The ALL is determined by segmenting the loan portfolio based on the loan’s collateral. When calculating the ALL, consideration is given to a variety of factors in establishing this estimate including, but not limited to, current economic conditions, diversification of the loan portfolio, delinquency statistics, results of internal loan reviews, historical charge-offs, the adequacy of the underlying collateral (if collateral dependent) and other relevant factors. The Bank begins enhanced monitoring of all loans rated 6–OAEM or worse and obtains a new appraisal or asset valuation for any loans placed on nonaccrual and rated 7 - Substandard or worse. Management, at its discretion, may determine that additional adjustments to the appraisal or valuation are required. Valuation adjustments will be made as necessary based on factors, including, but not limited to: the economy, deferred maintenance, industry, type of property/equipment, age of the appraisal, etc. and the knowledge Management has about a particular situation. In addition, the cost to sell or liquidate the collateral is also estimated and deducted from the valuation in order to determine the net realizable value to the Bank. When determining the allowance for loan losses, certain factors involved in the evaluation are inherently subjective and require material estimates that may be susceptible to significant change, including the amounts and timing of future cash flows expected to be received on impaired loans. Management monitors the adequacy of the allowance for loan losses on an ongoing basis and reports its adequacy quarterly to the Credit Risk Oversight Committee of the Board of Directors. Management believes that the allowance for loan losses at December 31, 2020 is adequate. The following table shows the activity in the Allowance for Loan Loss (ALL), for the years ended December 31, 2020 2018 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 December 31, 2018 $ 491 $ 133 $ 110 $ 6,278 $ 4,783 $ 70 $ 550 $ 12,415 Charge-offs ( 52 ) ( 12 ) ( 123 ) ( 564 ) ( 93 ) ( 125 ) — ( 969 ) Recoveries 5 1 — 72 170 35 — 283 Provision ( 28 ) ( 3 ) 200 821 ( 839 ) 104 ( 18 ) 237 ALL at December 31, 2019 $ 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 Charge-offs — ( 10 ) — ( 55 ) ( 463 ) ( 117 ) — ( 645 ) Recoveries 4 — — 545 268 26 — 843 Provision 135 117 107 2,066 1,853 104 243 4,625 ALL at December 31, 2020 $ 555 $ 226 $ 294 $ 9,163 $ 5,679 $ 97 $ 775 $ 16,789 The following table shows the loans that were evaluated for the Allowance for Loan Loss (ALL) under a specific reserve (individually) and those that were evaluated under a general reserve (collectively), and the amount of the allowance established in each category as of December 31, 2020 and 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 December 31, 2020 Loans evaluated for ALL: Individually $ 637 $ — $ 512 $ 16,104 $ — $ — $ — $ 17,253 Collectively 136,587 65,360 15,797 487,873 281,257 5,577 — 992,451 Total $ 137,224 $ 65,360 $ 16,309 $ 503,977 $ 281,257 $ 5,577 $ — $ 1,009,704 ALL established for loans evaluated: Individually $ — $ — $ — $ 228 $ — $ — $ — $ 228 Collectively 555 226 294 8,935 5,679 97 775 16,561 ALL at December 31, 2020 $ 555 $ 226 $ 294 $ 9,163 $ 5,679 $ 97 $ 775 $ 16,789 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

Premises And Equipment

Premises And Equipment	12 Months Ended
Premises And Equipment	Dec. 31, 2020
Premises And Equipment [Abstract]
Premises And Equipment	Note 7. Premises and Equipment At December 31, premises and equipment consisted of: (Dollars in thousands) Estimated Life 2020 2019 Land $ 3,337 $ 3,218 Buildings and leasehold improvements 15 - 30 years, or lease term 24,841 24,713 Furniture, fixtures and equipment 3 - 10 years 13,274 13,425 Total cost 41,452 41,356 Less: Accumulated depreciation ( 28,347 ) ( 27,505 ) Net premises and equipment $ 13,105 $ 13,851 The following table shows the amount of depreciation for the years ended December 31: 2020 2019 Depreciation expense $ 1,230 $ 1,259 The Corporation is in negotiation to purchase a building for a new headquarters facility. If the negotiation is successful, the current headquarters building will be sold in 2021.

Leases

Leases	12 Months Ended
Leases	Dec. 31, 2020
Leases [Abstract]
Leases	Note 8. Leases The Corporation adopted ASU 2016-02 “Leases (Topic 842)” and all subsequent amendments on January 1, 2019 using the modified retrospective method. The Corporation elected the option to apply the new standard as of January 1, 2019 without restatement of any prior period results. Adoption of the new standard resulted in the recognition of a lease liability and a right-of-use asset of $ 6.2 million without a cumulative effect adjustment to retained earnings. The Corporation leases various assets in the course of its operations that are subject to recognition under the new standard. 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. Adoption of the new standard did not affect the Corporation’s status as a “well-capitalized” institution. Operating lease expense is included in net occupancy expense in the consolidated statements of income. See Note 1 for additional information on the adoption of the new standard. Lease Cost: The components of total lease cost were as follows for the period ending: For the years ended December 31 (Dollars in thousands) 2020 2019 Operating lease cost $ 615 $ 615 Short-term lease cost 7 7 Variable lease cost 49 48 Total lease cost $ 671 $ 670 Supplemental Lease Information: For the years ended (Dollars in thousands) December 31 Cash paid for amounts included in the measurement of lease liabilities: 2020 2019 Operating cash flows from operating leases $ 590 580 Weighted-average remaining lease term (years) 12.36 13.22 Weighted-average discount rate 3.54 % 3.55 % Lease Obligations: Future undiscounted lease payments for operating leases with initial terms of one year or more as of December 31, 2020 are as follows: (Dollars in thousands) 2021 $ 642 2022 640 2023 650 2024 628 2025 588 2026 and beyond 3,396 Discounted cash flows 6,544 Imputed interest ( 1,212 ) Total lease liability $ 5,332

Other Real Estate Owned

Other Real Estate Owned	12 Months Ended
Other Real Estate Owned	Dec. 31, 2020
Other Real Estate Owned [Abstract]
Other Real Estate Owned	Note 9. Other Real Estate Owned The following table summarizes the changes in other real estate owned for the years ended December 31: (Dollars in thousands) 2020 2019 Balance at beginning of the period $ — $ 2,684 Additions — 80 Proceeds from dispositions — ( 3,065 ) Gain (loss) on sales, net — 326 Valuation adjustment — ( 25 ) Balance at the end of the period $ — $ —

Goodwill

Goodwill	12 Months Ended
Goodwill	Dec. 31, 2020
Goodwill [Abstract]
Goodwill	Note 10. Goodwill The Bank has $ 9.0 million of goodwill recorded on its balance sheet as the result of corporate acquisitions. Goodwill is not amortized, nor deductible for tax purposes. Goodwill was tested for impairment using a quantitative method as of August 31, 2020. Based upon this assessment, the estimated fair value of the Corporation exceeded its carrying value by 24 % and Management determined the Bank’s goodwill was not impaired. The 2019 impairment test was conducted using a qualitative assessment method and Management determined the Bank’s goodwill was no t impaired in 2019. At December 31, 2020, Management subsequently considered certain qualitative factors affecting the Corporation and determined that it was not likely that the results of the prior test had changed, and it determined that goodwill was not impaired at year-end.

Deposits

Deposits	12 Months Ended
Deposits	Dec. 31, 2020
Deposits [Abstract]
Deposits	Note 11. Deposits Deposits are summarized as follows at December 31: (Dollars in thousands) 2020 2019 Noninterest-bearing checking $ 259,060 $ 192,108 Interest-bearing checking 409,178 331,886 Money management 501,017 429,199 Savings 109,153 82,851 Total interest-bearing checking and savings 1,019,348 843,936 Time deposits 76,165 89,348 Total deposits $ 1,354,573 $ 1,125,392 Overdrawn deposit accounts reclassified as loans $ 86 $ 153 Time deposits greater than $250,000 at December 31, 2019 were $ 8.8 million and $ 11.5 million, respectively. At December 31, 2020 the scheduled maturities of time deposits are as follows: (Dollars in thousands) Time Deposits 2021 $ 57,061 2022 11,732 2023 4,316 2024 1,394 2025 1,662 Total $ 76,165 The deposits of directors, executive officers, related interests and affiliated enterprises totaled $ 6.6 million and $ 1.8 million at December 31, 2020 and 2019, respectively.

Other Borrowings

Other Borrowings	12 Months Ended
Other Borrowings	Dec. 31, 2020
Other Borrowings [Abstract]
Other Borrowings	Note 12. Other Borrowings The Bank's short-term borrowings are comprised of a line-of-credit with the Federal Home Loan Bank of Pittsburgh (Open Repo Plus). Open Repo Plus is a revolving term commitment used on an overnight basis. The term of this commitment may not exceed 364 days and it reprices daily at market rates. These borrowings at December 31 are described below: 2020 2019 FHLB FHLB (Dollars in thousands) Open Repo Open Repo Ending balance $ — $ — Weighted average rate at year end — — Range of interest rates paid at year end — — Maximum month-end balance during the year $ — $ 4,500 Average balance during the year $ — $ 1,335 Weighted average interest rate during the year — 2.60 % The Bank’s maximum borrowing capacity with the FHLB at December 31, 2020 was $ 387.7 million with $ 387.7 million available to borrow. This borrowing capacity is secured by a Blanket Pledge Agreement with FHLB on the Bank’s real estate loan portfolio. The Bank has established credit at the Federal Reserve Discount Window and as of year-end had the ability to borrow approximately $ 26 million. The Bank also has $ 21.0 million in unsecured line of credit at two correspondent banks. The Bank also has access to the Paycheck Protection Program Liquidity Facility (PPPLF) to fund PPP Loans.

Subordinate Debt

Subordinate Debt	12 Months Ended
Subordinate Debt	Dec. 31, 2020
Subordinate Debt [Abstract]
Subordinate Debt	Note 13. Subordinate Debt At December 31, 2020, t he Corporation had $ 20 million of unsecured subordinated debt notes payable, $ 15.0 million which mature on September 1, 2030 and $ 5.0 million which mature on September 1, 2035. The notes are recorded on the consolidated balance sheet net of remaining debt issuance costs totaling $ 445.3 thousand at December 31, 2020, which is being amortized on a pro-rata basis over a 5 -year and 10 -year period, based on the call dates of the notes, on an effective interest method. The subordinated notes totaling $ 15.0 million have a fixed interest rate of 5.00 % through September 1, 2025, then convert to a variable rate of 90-day Secured Overnight Financing Rate (SOFR) plus 4.93 % for the applicable interest periods through maturity. The subordinated notes totaling $ 5.0 million have a fixed interest rate of 5.25 % through September 1, 2030, then convert to a variable rate of 90-day SOFR plus 4.92 % for the applicable interest periods through maturity. The Corporation may, at its option, redeem the notes, in whole or in part, at any time 5 -years prior to the maturity. The notes are structured to qualify as Tier 2 Capital for the Corporation and there are no debt covenants on the notes.

Federal Income Taxes

Federal Income Taxes	12 Months Ended
Federal Income Taxes	Dec. 31, 2020
Federal Income Taxes [Abstract]
Federal Income Taxes	Note 14. Federal Income Taxes The temporary differences which give rise to significant portions of deferred tax assets and liabilities at December 31 are as follows: (Dollars in thousands) Deferred Tax Assets 2020 2019 Allowance for loan losses $ 3,561 $ 2,532 Deferred compensation 761 762 Purchase accounting 17 16 Other than temporary impairment of investments 58 58 Lease liabilities 1,131 1,092 Accumulated other comprehensive loss — 1,591 Other 581 580 6,109 6,631 Valuation allowance ( 58 ) ( 58 ) Total gross deferred tax assets 6,051 6,573 Deferred Tax Liabilities Depreciation 464 309 Right-of-use asset 1,118 1,084 Joint ventures and partnerships 55 46 Pension 1,163 1,093 Accumulated other comprehensive gain 848 — Deferred loan fees and costs, net 2 38 Total gross deferred tax liabilities 3,650 2,570 Net deferred tax asset $ 2,401 $ 4,003 In assessing the realizability of deferred tax assets, Management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income and tax planning strategies in making this assessment. Based on the level of historical taxable income and projections for future taxable income over the periods in which the deferred tax assets are deductible, Management believes it is more likely than not that the Bank will realize the benefits of these deferred tax assets other than those for which a valuation allowance has been recorded. The components of the provision for Federal income taxes attributable to income from operations were as follows: For the Years Ended December 31 (Dollars in thousands) 2020 2019 Current tax expense (benefit) $ 2,210 $ 996 Tax benefit NOL carryback ( 1,113 ) — Deferred tax (benefit) expense ( 839 ) 1,884 Income tax provision $ 258 $ 2,880 For the years ended December 31, 2020 2019, the income tax provisions are different from the tax expense which would be computed by applying the Federal statutory rate to pretax operating earnings. The Federal statutory rate was 21 % for 2020 and 2019. A reconciliation between the tax provision at the statutory rate and the tax provision at the effective tax rate is as follows: For the Years Ended December 31 (Dollars in thousands) 2020 2019 Tax provision at statutory rate $ 2,747 $ 3,992 Income on tax-exempt loans and securities ( 1,144 ) ( 1,134 ) Tax benefit NOL carryback (1,113) — Nondeductible interest expense relating to carrying tax-exempt obligations 43 45 Income from bank owned life insurance ( 269 ) ( 148 ) Stock option compensation — — Other, net ( 6 ) 125 Income tax provision $ 258 $ 2,880 Effective income tax rate 2.0 % 15.2 % The Corporation recognizes interest accrued related to unrecognized tax benefits and penalties in income tax expense for all periods presented. No penalties or interest were recognized in 2020 or 2019. The Corporation recorded a reversal of $1.1 million to its income tax expense in the second quarter of 2020 due to a benefit from the passage of the CARES Act in March 2020. The CARES Act allowed for NOLs incurred in 2018, 2019 and 2020 to be carried back to offset taxable income earned during the five-year period prior to the year in which the NOL was incurred. The Corporation incurred an NOL in 2018 that was carried back to prior periods when the statutory rate for the Corporation was 34% as compared to the current rate of 21%. The Corporation had no uncertain tax positions at December 31, 2020. The Corporation is no longer subject to U.S. Federal examinations by tax authorities for the years before 2017.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
Accumulated Other Comprehensive Income (Loss)	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	Note 15. Accumulated Other Comprehensive Income/(Loss) The components of accumulated other comprehensive loss included in shareholders' equity at December 31 are as follows: Unrealized Gains and Losses on Available-for-sale Defined Benefit Securities Pension Items Total December 31, 2020 Beginning balance $ 185 $ ( 6,171 ) $ ( 5,986 ) Other comprehensive income before reclassification, net of tax 9,769 ( 1,284 ) 8,485 Amounts reclassified from accumulated other comprehensive income, net of tax ( 23 ) 714 691 Current period other comprehensive income 9,746 ( 570 ) 9,176 Ending balance $ 9,931 $ ( 6,741 ) $ 3,190 December 31, 2019 Beginning balance $ ( 870 ) $ ( 5,510 ) $ ( 6,380 ) Other comprehensive income before reclassification, net of tax 1,257 ( 1,097 ) 160 Amounts reclassified from accumulated other comprehensive income, net of tax ( 202 ) 436 234 Current period other comprehensive income 1,055 ( 661 ) 394 Ending balance $ 185 $ ( 6,171 ) $ ( 5,986 )

Financial Derivatives

Financial Derivatives	12 Months Ended
Financial Derivatives	Dec. 31, 2020
Financial Derivatives [Abstract]
Financial Derivatives	Note 16. Financial 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 as of December 31, 2020: Fair Value of Derivative Instruments Derivative Liabilities (Dollars in thousands) As of December 31, 2020 As of December 31, 2019 Notional amount Balance Sheet Location Fair Value Notional amount Balance Sheet Location Fair Value Derivatives not designated as hedging instruments Other Contracts 6,836 Other Liabilities $ 40 7,011 Other Liabilities $ 19 Total derivatives not designated as hedging instruments $ 40 $ 19 The table below presents the effect of the Corporation’s derivative financial instruments that are not designated as hedging instruments on the Income Statement as of December 31, 2020: 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) Year Ended December 31 2020 2019 Other Contracts Other income/(expense) $ ( 21 ) $ 165 As of December 31, 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 $ 40 thousand.

Benefit Plans

Benefit Plans	12 Months Ended
Benefit Plans	Dec. 31, 2020
Benefit Plans [Abstract]
Benefit Plans	Note 17. Benefit Plans The Bank has a 401(k) plan includes an auto enrollment feature and covers all employees of the Bank who have completed four months of service. Employee contributions to the plan are matched at 100 % up to 4 % of each participant’s deferrals plus 50 % of the next 2 % of deferrals from participants’ eligible compensation. Under this plan, the maximum amount of employee contributions in any given year is defined by Internal Revenue Service regulations. In addition, a 100 % discretionary profit-sharing contribution of up to 2 % of each employee’s eligible compensation is possible provided net income targets are achieved. The related expense for the 401(k) plan, and the discretionary profit-sharing plan was $ 869 thousand in 2020 and $ 825 thousand in 2019. This expense is recorded in the Salary and employee benefits line of the Consolidated Statements of Income. The Bank has a noncontributorydefined benefit pension plan covering employees hired prior to April 1, 2007. The pension plan was closed to new participants on April 1, 2007. Benefits are based on years of service and the employee’s compensation using a career average formula. The Bank’s funding policy is to contribute the annual amount required to meet the minimum funding requirements of the Employee Retirement Income Security Act of 1974. Contributions are intended to provide not only for the benefits attributed to service to date but also for those expected to be earned in the future. Employees who are eligible for pension benefits may elect to receive an annuity style payment or a lump-sum payout of their pension benefits. Pension service costs are recorded in Salary and benefits expense while all other components of net periodic pension costs are recorded in other expense. For the next fiscal year, the estimated net loss for the defined benefit pension plan that will be amortized from accumulated other comprehensive income into net periodic benefit cost are $ 1.1 million. The Bank uses December 31 as the measurement date for its pension plan. The Committee reviews and determines all the assumptions used to determine the benefit obligations and expense annually. Historical investment returns play a significant role in determining the expected long-term rate of return on Plan assets. The following table sets forth the plan’s funded status, based on the December 31, 2020 2019 actuarial valuations: For the Years Ended December 31 (Dollars in thousands) 2020 2019 Change in projected benefit obligation Benefit obligation at beginning of measurement year $ 20,779 $ 17,937 Service cost 332 325 Interest cost 525 631 Actuarial loss (gain) 2,275 2,727 Benefits paid ( 1,400 ) ( 841 ) Benefit obligation at end of measurement year 22,511 20,779 Change in plan assets Fair value of plan assets at beginning of measurement year 18,135 16,549 Actual return on plan assets net of expenses 1,727 2,427 Employer contribution 1,000 — Benefits paid ( 1,400 ) ( 841 ) Fair value of plan assets at end of measurement year 19,462 18,135 Funded status of projected benefit obligation $ ( 3,049 ) $ ( 2,644 ) For the Years Ended December 31 2020 2019 Assumptions used to determine benefit obligations: Discount rate 2.33 % 3.13 % Rate of compensation increase 4.00 % 4.00 % Amounts recognized in accumulated other comprehensive For the Years Ended December 31 income (loss), net of tax 2020 2019 Net actuarial loss $ ( 8,533 ) $ ( 7,812 ) Tax effect 1,792 1,641 Net amount recognized in accumulated other comprehensive loss $ ( 6,741 ) $ ( 6,171 ) For the Years Ended December 31 Components of net periodic pension cost 2020 2019 Service cost $ 332 $ 325 Interest cost 525 631 Expected return on plan assets ( 1,079 ) ( 1,087 ) Recognized net actuarial loss 904 552 Net periodic pension cost $ 682 $ 421 For the Years Ended December 31 2020 2019 Assumptions used to determine net periodic benefit cost: Discount rate 3.13 % 4.15 % Expected long-term return on plan assets 6.50 % 6.50 % Rate of compensation increase 4.00 % 4.00 % Asset allocations: Cash and cash equivalents 12 % 4 % Common stocks 22 % 21 % Corporate bonds 13 % 13 % Municipal bonds 26 % 35 % Investment fund - debt 9 % 9 % Investment fund - equity 12 % 10 % Deposit in immediate participation guarantee contract 6 % 6 % Other 0 % 2 % Total 100 % 100 % The following methods and assumptions were used to estimate the fair values of the assets held by the plan. See Note 21 for additional information on the fair value hierarchy. Cash and Cash Equivalents: The carrying value of this asset is considered to approximate its fair value (Level 1). Equity Securities, Investment Funds (Debt and Equity) : The fair value of assets in these categories are determined using quoted market prices from nationally recognized markets (Level 1). Bonds (Corporate and Municipal) : Fair values of these assets was 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. Fair values were estimated primarily by obtaining quoted prices for similar assets in active markets or through the use of pricing models (Level 2). Immediate Participation Guarantee Contract: The carrying value of this asset is considered to approximate its fair value. (Level 1). Cash Surrender Value of Life Insurance: The cash surrender value of this asset is considered to approximate its fair value. However, the inputs used to determine the cash surrender value are not readily observable in the market (Level 3) Certificates of Deposit: The fair value of these assets are calculated by use of a pricing model that uses rate spreads to new market issue quotes and dealer quotes (Level 2). The following table sets forth by level, within the fair value hierarchy, the Plan's investments at fair value as of December 31, 2020 and 2019. For more information on the levels within the fair value hierarchy, please refer to Note 21. (Dollars in Thousands) December 31, 2020 Asset Description Fair Value Level 1 Level 2 Level 3 Cash and cash equivalents $ 2,305 $ 2,305 $ — $ — Equity securities 4,236 4,236 — — Corporate bonds 2,581 — 2,581 — Municipal bonds 5,066 — 5,066 — Investment fund - debt 1,757 — 1,757 — Investment fund - equity 2,252 2,252 — — Deposit in immediate participation guarantee contract 1,187 1,187 — — Cash surrender value of life insurance 28 — — 28 Certificates of deposit 50 — 50 — Total assets $ 19,462 $ 9,980 $ 9,454 $ 28 (Dollars in Thousands) December 31, 2019 Asset Description Fair Value Level 1 Level 2 Level 3 Cash and cash equivalents $ 808 $ 808 $ — $ — Equity securities 3,717 3,717 — — Corporate bonds 2,406 — 2,406 — Municipal bonds 6,266 — 6,266 — Investment fund - debt 1,605 — 1,605 — Investment fund - equity 1,875 1,875 — — Deposit in immediate participation guarantee contract 1,129 1,129 — — Cash surrender value of life insurance 28 — — 28 Certificates of deposit 301 — 301 — Total assets $ 18,135 $ 7,529 $ 10,578 $ 28 The following table sets forth a summary of the changes in the fair value of the Plan's level 3 investments for the years ended December 31, 2020 and 2019: Cash Value of Life Insurance December 31 2020 2019 Balance at the beginning of the period $ 28 $ 25 Unrealized gain (loss) relating to investments held at the reporting date — 3 Purchases, sales, issuances and settlement, net — — Balance at the end of the period $ 28 $ 28 Contributions The Bank does not expect to make any additional contributions in 2021. Estimated future benefit payments at December 31, 2020 ( Dollars in Thousands ) 2021 $ 2,267 2022 1,293 2023 1,104 2024 1,037 2025 1,431 2026-2030 6,685 Total $ 13,817

Stock Based Compensation

Stock Based Compensation	12 Months Ended
Stock Based Compensation	Dec. 31, 2020
Stock Based Compensation [Abstract]
Stock Based Compensation	Note 18. Stock Based Compensation In 2004, the Corporation adopted the Employee Stock Purchase Plan of 2004 (ESPP). Under the ESPP of 2004, options for 250,000 shares of stock can be issued to eligible employees. The number of shares that can be purchased by each participant is defined by the plan and the Board of Directors sets the option price. However, the option price cannot be less than 90 % of the fair market value of a share of the Corporation’s common stock on the date the option is granted. The Board of Directors also determines the expiration date of the options; however, no option may have a term that exceeds one year from the grant date. ESPP options are exercisable immediately upon grant. Any shares related to unexercised options are available for future grant The Board of Directors may amend, suspend or terminate the ESPP at any time. The exercise price of the 2020 ESPP options was set at 95 % of the stock’s fair value at the time of the award. In 2019, the Corporation approved the 2019 Omnibus Stock Incentive Plan (Stock Plan), replacing the Incentive Stock Option Plan of 2013 (ISOP). No new awards will be made under the 2013 plan; however, any awards made under the 2013 plan remain outstanding under the terms they were issued. Under the Stock Plan, 400,000 shares have been authorized to be issued, inclusive of the remaining shares available under the 2013 plan that were rolled into the Stock Plan and forfeited awards are available for future grants. The Stock Plan allows for various types of awards including incentive stock options, restricted stock and stock appreciation rights. The ESPP and the incentive stock options (ISO) awarded under the Stock Plan and outstanding at December 31, 2020 are all exercisable. The ESPP options expire on June 30, 2021 and the ISO options expire 10 years from the grant date. The following table summarizes the activity in the ESPP: Employee Stock Purchase Plan ESPP Weighted Average Aggregate (Dollars in thousands except share and per share data) Options Price Per Share Intrinsic Value Balance Outstanding at December 31, 2018 18,378 $ 32.73 $ - Granted 19,644 36.21 Exercised ( 2,270 ) 32.75 Expired ( 16,641 ) 32.84 Balance Outstanding at December 31, 2019 19,111 $ 36.21 $ 47 Granted 32,209 24.19 Exercised ( 753 ) 25.32 Expired ( 20,882 ) 35.15 Balance Outstanding at December 31, 2020 29,685 $ 24.19 $ 84 Shares available for future grants under the ESPP at December 31, 2020 181,954 The following table summarizes the activity in the Stock Plan: ISO Weighted Average Aggregate (Dollars in thousands except share and per share data) Options Price Per Share Intrinsic Value Balance Outstanding at December 31, 2018 104,011 $ 28.22 $ 341 Granted — — Exercised ( 8,482 ) 22.82 Forfeited ( 2,550 ) 34.10 Balance Outstanding at December 31, 2019 92,979 $ 28.55 $ 943 Granted — — Exercised ( 625 ) 27.62 Forfeited — — Balance Outstanding at December 31, 2020 92,354 $ 28.55 $ — Weighted Average Restricted Grant Date Shares Fair Value Nonvested as of December 31, 2019 — $ — Granted 14,921 31.02 Vested ( 398 ) 31.02 Forfeited ( 990 ) 31.02 Nonvested as of December 31, 2020 13,533 $ 31.02 Shares available for future grants under the Stock Plan at December 31, 2020 293,090 Restricted shares awarded under the Stock Plan fully vest in one year for awards to Directors and ratably over three years for awards to other eligible employees. Compensation expense is based on the grant date fair value and was $ 197 thousand in 2020 and $ 0 in 2019. The amount of unrecognized compensation expense for restricted shares was $ 244 thousand at December 31, 2020. The following table provides information about the options outstanding at December 31, 2020: Options Weighted Outstanding Exercise Price or Weighted Average Average Remaining Stock Option Plan and Exercisable Price Range Exercise Price Life (years) Employee Stock Purchase Plan 29,685 $ 24.19 $ 24.19 0.5 Incentive Stock Options 20,200 21.27 21.27 5.2 Incentive Stock Options 10,850 22.05 22.05 4.2 Incentive Stock Options 61,304 30.00 - 34.10 32.11 6.7 ISO Total/Average 92,354 $ 28.55 6.2 The Corporation uses the “simplified” method for estimating the expected term of the ISO award. The risk-free interest rate is the U.S. Treasury rate commensurate with the expected average life of the option at the date of grant. The volatility of the Corporation’s stock is based on historical volatility for a period equal to the term of the award and the dividend yield is the yield at the date of the award. There is no unrecognized compensation expense on any options outstanding at December 31, 2020.

Deferred Compensation Agreement

Deferred Compensation Agreement	12 Months Ended
Deferred Compensation Agreement	Dec. 31, 2020
Deferred Compensation Agreement [Abstract]
Deferred Compensation Agreement	Note 19. Deferred Compensation Agreement The Bank has a Director’s Deferred Compensation Plan, whereby each director may voluntarily participate and elect each year to defer all or a portion of their Bank director’s fees. Each participant directs the investment of their own account among various publicly available mutual funds designated by the Bank’s Investment and Trust Services department. Changes in the account balance beyond the amount deferred to the account are solely the result of the performance of the selected mutual fund. The Bank maintains an offsetting asset and liability for the deferred account balances and the annual expense is recorded as a component of directors’ fees as if it were a direct payment to the director. The Bank will not incur any expense when the account goes into payout. The Corporation has a deferred compensation agreement it recorded as part of its acquisition of Fulton Bancshares Corporation in 2006. No future expense will be recognized for these plans. Payments for the deferred compensation agreements total $ 23 thousand through 2021.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
Shareholders' Equity	Dec. 31, 2020
Shareholders' Equity [Abstract]
Shareholders’ Equity	Note 20. Shareholders’ Equity The Board of Directors, from time to time, authorizes the repurchase of the Corporation’s $ 1.00 par value common stock. The repurchased shares will be held as Treasury shares available for issuance in connection with future stock dividends and stock splits, employee benefit plans, executive compensation plans, the Dividend Reinvestment Plan (DRIP) and other appropriate corporate purposes. The term of the repurchase plans is normally one year . The Corporation held 321,517 and 357,096 treasury shares at cost at December 31, 2020 and 2019, respectively. The following table provides information about the Corporation’s stock repurchase activity: Shares Repurchased Plan Date Authorized Expiration 2020 2019 9/12/2019 150,000 shares 9/12/2020 36,401 3,078 12/17/2020 150,000 shares 12/18/2021 — N/A The Corporation’s DRIP allows for shareholders to purchase additional shares of the Corporation’s common stock by reinvesting cash dividends paid on their shares or through optional cash payments. The Corporation has authorized one million ( 1,000,000 ) shares of its currently authorized common stock to be issued under the plan or may issue from Treasury shares. The DRIP added $ 1.8 million to capital during 2020. This total was comprised of $ 868 thousand from the reinvestment of quarterly dividends and $ 968 thousand of optional cash contributions. During 2020, 71,227 shares of common stock were purchased through the DRIP and 389,704 shares remain to be issued.

Commitments And Contingencies

Commitments And Contingencies	12 Months Ended
Commitments And Contingencies	Dec. 31, 2020
Commitments And Contingencies [Abstract]
Commitments And Contingencies	Note 21. 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 as of December 31: (Dollars in thousands) Financial instruments whose contract amounts represent credit risk 2020 2019 Commercial commitments to extend credit $ 280,939 $ 248,251 Consumer commitments to extend credit (secured) 71,761 56,898 Consumer commitments to extend credit (unsecured) 5,224 5,088 $ 357,924 $ 310,237 Standby letters of credit $ 22,334 $ 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. 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 second quarter of 2018 . In February 2020, the Bank was notified that one letter of credit for $ 250 thousand was cancelled. This amount was reversed from the liability and an offsetting amount recorded in other expense. The net balance of $ 2.1 million remained at December 31, 2020. 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 probable 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 probable losses or ranges of probable 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 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 December 31, 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.

Fair Value Measurements And Fai

Fair Value Measurements And Fair Values Of Financial Instruments	12 Months Ended
	Dec. 31, 2020
Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]
Fair Value Measurements And Fair Values Of Financial Instruments	Note 22. 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 year-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. 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 level within the hierarchy does not represent risk. 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 at December 31, 2020 and 2019. 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. Partial charge-offs on impaired loans were $35 thousand in 2020 and $412 thousand in 2019. Impaired loans are measured at fair value on a nonrecurring basis. Other Real Estate Owned : Assets acquired through or instead of loan foreclosure are initially recorded at the lower of cost or the fair value less costs to sell when acquired. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach with data from comparable properties (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. In connection with the measurement and initial recognition of other real estate owned, losses are recognized through the allowance for loan losses. Subsequent charge-offs are recognized as an expense. Other real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Recurring Fair Value Measurements For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2020 and 2019 are as follows: (Dollars in Thousands Fair Value at December 31, 2020 Asset Description Level 1 Level 2 Level 3 Total Equity securities, at fair value $ 391 $ — $ — $ 391 Available for sale: U.S. Government and Agency securities — 12,574 — 12,574 Municipal securities — 247,054 — 247,054 Trust Preferred and Corporate Securities — 20,288 — 20,288 Agency mortgage-backed securities — 72,241 — 72,241 Private-label mortgage-backed securities — 8,453 — 8,453 Asset-backed securities — 36,330 — 36,330 Total assets $ 391 $ 396,940 $ — $ 397,331 (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 The fair value of derivative liabilities measured at fair value at December 31, 2020 and 2019 was $ 40 and $ 19 thousand, respectively and was considered immaterial. Nonrecurring Fair Value Measurements For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2020 and 2019 are as follows: (Dollars in Thousands) Fair Value at December 31, 2020 Asset Description Level 1 Level 2 Level 3 Total Impaired Loans (1) $ — $ — $ 5,474 $ 5,474 Total assets $ — $ — $ 5,474 $ 5,474 (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 not record any liabilities at fair value for which measurement of the fair value was made on a nonrecurring basis at December 31, 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 December 31, 2020. The following table presents additional quantitative information about Level 3 assets measured at fair value on a nonrecurring basis: (Dollars in Thousands) Quantitative Information about Level 3 Fair Value Measurements Range December 31, 2020 Fair Value Valuation Technique Unobservable Input (Weighted Average) Impaired Loans $ 5,474 Appraisal Appraisal Adjustment on Non-real estate assets 0 % - 100 % ( 66 %) Cost to sell 8 % Range December 31, 2019 Fair Value Valuation Technique Unobservable Input (Weighted Average) Impaired Loans $ 1,080 Appraisal Appraisal Adjustment 0 % - 100 % ( 48 %)

Parent Company (Franklin Financ

Parent Company (Franklin Financial Services Corporation) Financial Information	12 Months Ended
	Dec. 31, 2020
Parent Company (Franklin Financial Services Corporation) Financial Information [Abstract]
Parent Company (Franklin Financial Services Corporation) Financial Information	Note 23. Parent Company Condensed (Franklin Financial Services Corporation) Financial Information Balance Sheets December 31 (Dollars in thousands) 2020 2019 Assets: Cash and cash equivalents $ 20,109 $ 164 Investment securities 391 440 Equity investment in subsidiaries 142,949 126,069 Other assets 1,282 859 Total assets $ 164,731 127,532 Liabilities: Other liabilities $ 19,555 $ 4 Total liabilities 19,555 4 Shareholders' equity 145,176 127,528 Total liabilities and shareholders' equity $ 164,731 $ 127,532 Statements of Income Years Ended December 31 (Dollars in thousands) 2020 2019 Income: Dividends from Bank subsidiary $ 6,639 $ 8,710 Change in fair value of equity securities ( 50 ) 66 6,589 8,776 Expenses: Interest expense 427 — Operating expenses 1,473 1,176 Income before income taxes and equity in undistributed income of subsidiaries 4,689 7,600 Income tax benefit 409 867 Equity in undistributed income of subsidiaries 7,702 7,648 Net income 12,800 16,115 Other comprehensive income of subsidiary 9,176 394 Comprehensive income $ 21,976 $ 16,509 Statements of Cash Flows Years Ended December 31 (Dollars in thousands) 2020 2019 Cash flows from operating activities Net income $ 12,800 $ 16,115 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed (income) of subsidiary ( 7,702 ) ( 7,648 ) Stock option compensation 197 — Increase in other assets/liabilities ( 366 ) ( 1,034 ) Net cash provided by operating activities 4,929 7,433 Cash flows from financing activities Dividends paid ( 5,226 ) ( 5,115 ) Proceeds from subordinated notes, net of issuance costs 19,541 — Cash received from option exercises 36 268 Common stock issued under dividend reinvestment plan 1,836 1,316 Treasury stock purchase ( 1,171 ) ( 3,846 ) Net cash used in financing activities 15,016 ( 7,377 ) Increase in cash and cash equivalents 19,945 56 Cash and cash equivalents as of January 1 164 108 Cash and cash equivalents as of December 31 $ 20,109 $ 164

Revenue Recognition

Revenue Recognition	12 Months Ended
Revenue Recognition	Dec. 31, 2020
Revenue Recognition [Abstract]
Revenue Recognition	Note 24. 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 $ 5.6 million for 2020 and $ 5.5 million for 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 $ 194 thousand for 2020 and $ 365 thousand for the 2019.  Commissions from the sale of investment and insurance products are recognized upon the completion of the transaction. Fees recognized were $ 212 thousand for 2020 and $ 234 thousand for 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. 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. Other Income – these items are transactional in nature and recognized upon completion of the transaction which represents the performance obligation. Certain items included in this category may be excluded from the scope of ASC 606. Gains/Losses on the Sale of Other Real Estate – these are recognized when control of the property transfers to the buyer. 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

Summary Of Significant Accoun_2

Summary Of Significant Accounting Policies (Policy)	12 Months Ended
Summary Of Significant Accounting Policies (Policy)	Dec. 31, 2020
Summary Of Significant Accounting Policies [Abstract]
Principles Of Consolidation	Principles of 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 and Franklin Future Fund Inc. Farmers and Merchants Trust Company of Chambersburg is a commercial bank (the Bank) that has one wholly-owned subsidiary, Franklin Financial Properties Corp., which holds real estate assets that are leased by the Bank. Franklin Future Fund Inc. is a non-bank investment company that makes venture capital investments within the Corporation’s primary market area. The activities of non-bank entities are not significant to the consolidated totals. All significant intercompany transactions have been eliminated in consolidation.
Nature Of Operations	Nature of Operations – The Corporation conducts substantially all of its business through its subsidiary bank, Farmers and Merchants Trust Company of Chambersburg, which serves its customer base through twenty-two community-banking offices located in Franklin, Cumberland, Fulton and Huntingdon Counties, Pennsylvania. These counties are considered to be the Corporation’s primary market area, but it may do business in the greater South-Central Pennsylvania market. The Bank is a community-oriented commercial bank that emphasizes customer service and convenience. As part of its strategy, the Bank has sought to develop a variety of products and services that meet the needs of both its retail and commercial customers. The Corporation and the Bank are subject to the regulations of various federal and state agencies and undergo periodic examinations by these regulatory authorities.
Use Of Estimates In The Preparation Of Financial Statements	Use of Estimates in the Preparation of Financial Statements – The preparation of financial statements in conformity with generally accepted accounting principles requires Management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities at the date of the financial statements as well as the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses.
Significant Group Concentrations Of Credit Risk	Significant Group Concentrations of Credit Risk – Most of the Corporation’s activities are with customers located within its primary market area. Note 4 of the consolidated financial statements shows the types of securities in which the Corporation invests. Note 5 of the consolidated financial statements shows the types of lending in which the Corporation engages. The Corporation does not have any significant concentrations of any one industry or customer.
Statement Of Cash Flows	Statement of Cash Flows – 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.
Investment Securities	Investment Securities – Management classifies its debt securities at the time of purchase as available for sale or held to maturity. At December 31, 2020 and 2019, all debt securities were classified as available for sale, meaning that the Corporation intends to hold them for an indefinite period of time, but not necessarily to maturity. Available for sale debt securities are stated at estimated fair value, adjusted for amortization of premiums and accretion of discounts which are recognized as adjustments of interest income through call date or maturity. The related unrealized gains and losses are reported as other comprehensive income or loss, net of tax, until realized. Declines in the fair value of held-to-maturity and available-for-sale debt securities to amounts below cost that are deemed to be other-than-temporary are reflected in earnings as realized losses. In estimating the other-than-temporary impairment losses, Management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) if the Corporation does not intend to sell the security or it if is not more likely than not that the Corporation will be required to sell the security before recovery of its amortized cost. When a determination is made that an other-than-temporary impairment exists but the Corporation does not intend to sell the debt security and it is not more likely than not that it will be required to sell the debt security prior to its anticipated recovery, the other-than-temporary impairment is separated into (a) the amount of the total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the debt security (the credit loss) and (b) the amount of the total other-than-temporary impairment related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss is recognized in earnings. The amount of the total other-than-temporary impairment related to all other factors is recognized in other comprehensive income. Realized securities gains and losses are computed using the specific identification method. Gains or losses on the disposition of debt investment securities are recorded on the trade date, based on the net proceeds and the adjusted carrying amount of the specific security sold. Equity investments are carried at fair value with changes in fair value recognized in net income.
Restricted Stock	Restricted Stock – Restricted stock, which is carried at cost, consists of stock of the Federal Home Loan Bank of Pittsburgh (FHLB) and Atlantic Central Bankers Bank (ACBB). The Bank held $ 468 thousand of restricted stock at the end of 2020. With the exception of $ 30 thousand, this investment represents stock in the FHLB that the Bank is required to hold in order to be a member of FHLB and is carried at a cost of $ 100 per share. FHLB stock is divided into two classes: membership stock and activity stock, which is based on outstanding loan balances. Federal law requires a member institution of the FHLB to hold FHLB stock according to a predetermined formula. Management evaluates the restricted stock for impairment in accordance with ASC Topic 320. Management’s determination of whether these investments are impaired is based on their assessment of the ultimate recoverability of their cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of their cost is influenced by criteria such as (1) the significance of the decline in net assets of the banks as compared to the capital stock amount for the banks and the length of time this situation has persisted, (2) commitments by the banks to make payments required by law or regulation and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the banks. As a government sponsored entity, FHLB has the ability to raise funding through the U.S. Treasury that can be used to support its operations. There is not a public market for FHLB or ACBB stock and the benefits of membership (e.g., liquidity and low-cost funding) add value to the stock beyond purely financial measures. Management intends to remain a member of the FHLB and believes that it will be able to fully recover the cost basis of this investment. Management believes no impairment charge is necessary related to the FHLB or ACBB restricted stock as of December 31, 2020.
Financial Derivatives	Financial Derivatives - FASB ASC 815, Derivatives and Hedging (“ASC 815”), provides the disclosure requirements for derivatives and hedging activities with the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how the entity accounts for derivative instruments and related hedged items, and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows. Further, qualitative disclosures are required that explain the Company’s objectives and strategies for using derivatives, as well as quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments. As required by ASC 815, the Corporation records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Corporation has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Derivatives may also be designated as hedges of the foreign currency exposure of a net investment in a foreign operation. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Corporation may enter into derivative contracts that are intended to economically hedge certain of its risk, even though hedge accounting does not apply, or the Corporation elects not to apply hedge accounting. In accordance with the FASB’s fair value measurement guidance (in ASU 2011-04), the Corporation made an accounting policy election to measure the credit risk of its derivative financial instruments that are subject to master netting agreements on a net basis by counterparty portfolio. At December 31, 2020, there were no derivatives subject to a netting agreement.
Loans	Loans – Loans, that Management has the intent and ability to hold for the foreseeable future or until maturity or payoff, are stated at the outstanding unpaid principal balances, net of any deferred fees. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans using the interest method. The Corporation is amortizing these amounts over the contractual life of the loan. The accrual of interest is generally discontinued when the contractual payment of principal or interest has become 90 days past due or Management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in a prior year is charged against the allowance for loan losses. Payments received on nonaccrual loans are applied initially against principal, then interest income, late charges and any other expenses and fees. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Consumer loans are typically charged off no later than 180 days past due. Past due status is based on contractual terms of the loans.
Loans Held For Sale	Loans Held for Sale – Mortgage loans originated and intended for sale in the secondary market at the time of origination are carried at the lower of cost or estimated fair value (determined on an aggregate basis). All sales are made without recourse. Loans held for sale at December 31, 2020 represent loans originated through third-party brokerage agreements for a pre-determined price and present no price risk to the Bank.
Allowance For Loan Losses	Allowance for Loan Losses – The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is maintained at a level considered adequate to provide for probable incurred losses that can be reasonably anticipated. Management’s periodic evaluation of the adequacy of the allowance is based on the Bank’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions, diversification of the loan portfolio, delinquency statistics, results of internal loan reviews, borrowers’ actual or perceived financial and managerial strengths, and other relevant factors. This evaluation is inherently subjective, as it requires material estimates that may be susceptible to significant change, including the amounts and timing of future cash flows expected to be received on impaired loans. The Corporation’s allowance for probable incurred loan losses consists of three components: specific, general and unallocated. The specific component addresses specific reserves established for impaired loans. A loan is considered impaired when, based on current information and events, it is probably that the Bank will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Nonaccrual loans and troubled debt restructurings (TDRs) are impaired loan. A TDR loan is a loan that has had its terms modified resulting in a concession due to the financial difficulties of the borrower. Factors considered by Management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and commercial real estate loans by one of the following methods: the fair value of the collateral if the loan is collateral dependent, the present value of expected future cash flows discounted at the loan’s effective interest rate or the loan’s obtainable market price. Commercial loans with a balance less than $250 thousand, and all consumer purpose loans are not included in the specific reserve analysis as impaired loans but are added to the general allocation pool. Loans that are evaluated for a specific reserve, but not needing a specific reserve are not added back to general allocation pool. The general allocation component addresses the reserves established for pools of homogenous loans. The general component includes a quantitative and qualitative analysis. When calculating the general allocation, the Bank segregates its loan portfolio into the following segments based primarily on the type of supporting collateral: residential real estate, commercial, industrial or agricultural real estate; commercial and industrial (commercial non-real estate), and consumer. Each segment may be further segregated by type of collateral, lien position, or owner/nonowner occupied properties. The quantitative analysis uses the Bank’s twenty quarter rolling historical loan loss experience as determined for each loan segment to determine a loss factor applicable to each loan segment. The qualitative analysis utilizes a risk matrix that incorporates four primary risk factors: economic conditions, delinquency, classified loans, and level of risk, and assigns a risk level (as measured in basis points) to each factor. In determining the risk level for these primary factors, consideration is given to operational factors such as: loan volume, management, loan review process, credit concentrations, competition, and legal and regulatory issues. The level of risk (as measured in basis points) for each primary factor is set for five risk levels ranging from minimal risk to very high risk and is determined independently for commercial loans, residential mortgage loans and consumer loans. An unallocated component is maintained to cover uncertainties that could affect Management’s estimate of probable incurred loss. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. This estimate, if changed only several basis points, could vary by several hundred thousand dollars. Therefore, management believes some level of unallocated allowance should be maintained to account for this imprecision. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment using historical charge-offs as the starting point in estimating loss. Accordingly, the Corporation may not separately identify individual consumer and residential loans for impairment disclosures.
Premises And Equipment	Premises and Equipment – Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed using the straight-line method over the estimated useful lives of the related assets or the lease term for lease hold improvements, whichever is shorter. When assets are retired or sold, the asset cost and related accumulated depreciation are eliminated from the respective accounts, and any resultant gain or loss is included in net income. The cost of maintenance and repairs is charged to operating expense as incurred, and the cost of major additions and improvements is capitalized.
Goodwill	Goodwill – The Bank has $ 9.0 million of goodwill recorded on its balance sheet as the result of corporate acquisitions. Goodwill is not amortized, nor deductible for tax. However, goodwill is tested for impairment at least annually in accordance with ASC Topic 350. Goodwill was tested for impairment as of August 31, 2020. The 2020 impairment test was conducted using several quantitative methods, including an income approach, market value approach and a change of control acquisition approach. Each of these quantitative approaches included different scenarios with different assumptions. These scenarios were weighted based upon Management’s judgement. ASC Topic 350 also allows for a qualitative assessment method that requires the use of significant assumptions in order to make a determination of impairment which the Corporation used as of August 31, 2019. These assumptions may include, but are not limited to: macroeconomic factors, banking industry conditions, banking merger and acquisition trends, the Bank’s historical financial performance, the Corporation’s stock price, forecast Bank financial performance, and change of control premiums.
Bank Owned Life Insurance	Bank Owned Life Insurance – The Bank invests in bank owned life insurance (BOLI) as a source of funding for employee benefit expenses. The Bank purchases life insurance coverage on the lives of a select group of employees. The Bank is the owner and beneficiary of the policies and records the investment at the cash surrender value of the underlying policies. Income from the increase in cash surrender value of the policies is included in noninterest income.
Other Real Estate Owned (OREO)	Other Real Estate Owned (OREO) – Foreclosed real estate (OREO) is comprised of property acquired through a foreclosure proceeding or an acceptance of a deed in lieu of foreclosure. Balances are initially reflected at the estimated fair value less any estimated disposition costs, with subsequent adjustments made to reflect further declines in value. Any losses realized upon disposition of the property, and holding costs prior thereto, are charged against income. All properties are actively marketed to potential buyers.
Transfers Of Financial Assets	Transfers of Financial Assets – Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Corporation, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Corporation does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Federal Income Taxes	Federal Income Taxes – Deferred income taxes are provided on the liability method whereby deferred tax assets are recognized for deductible temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and their tax bases. Deferred tax assets are reduced by a valuation allowance, when in the opinion of Management, it is more likely than not that some portion or all deferred tax assets will not be realized. Deferred tax assets and liabilities are adjusted through the provision for income taxes for the effects of changes in tax laws and rates on the date of enactment. ASC Topic 740 prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more-likely-than-not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. ASC Topic 740, “Income Taxes” also provides guidance on the accounting for and disclosure of unrecognized tax benefits, interest and penalties.
Advertising Expenses	Advertising Expenses – Advertising costs are expensed as incurred.
Treasury Stock	Treasury Stock – The acquisition of treasury stock is recorded under the cost method. The subsequent disposition or sale of the treasury stock is recorded using the average cost method.
Investment And Trust Services	Investment and Trust Services – Assets held in a fiduciary capacity are not assets of the Corporation and therefore are not included in the consolidated financial statements. The fair value of trust assets under management (including assets held at third party brokers) at December 31, 2020 was $ 949.0 million and $ 918.9 million at the prior year-end.
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments – In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit. Such financial instruments are recorded on the balance sheet when they are funded. The amount of any liability for the credit risk associated with off-balance sheet financial instruments is recorded in other liabilities and was not material to the financial position of the Corporation at December 31, 2020 or 2019.
Stock-Based Compensation	Stock-Based Compensation – The Corporation accounts for stock-based compensation in accordance with the ASC Topic 718, “Stock Compensation.” ASC Topic 718 requires compensation costs related to share-based payment transactions to be recognized in the financial statements (with limited exceptions). The amount of compensation cost is measured based on the grant-date fair value of the equity or liability instruments issued and forfeitures are accounted for as they occur. Compensation cost is recognized over the period that an employee provides services in exchange for the award. The Corporation does not allow the employee to use shares to satisfy employer income tax withholding obligations.
Pension	Pension – The provision for pension expense was actuarially determined using the projected unit credit actuarial cost method. The funding policy is to contribute an amount sufficient to meet the requirements of ERISA, subject to Internal Revenue Code contribution limitations. In accordance with ASC Topic 715, “Compensation – Retirement Benefits”, the Corporation recognizes the plan’s over-funded or under-funded status as an asset or liability with an offsetting adjustment to Accumulated Other Comprehensive Income (AOCI). ASC Topic 715 requires the determination of the fair value of a plan’s assets at the company’s year-end and the recognition of actuarial gains and losses, prior service costs or credits, transition assets or obligations as a component of AOCI. These amounts will be subsequently recognized as components of net periodic benefit costs. Further, actuarial gains and losses that arise in subsequent periods that are not initially recognized as a component of net periodic benefit costs will be recognized as a component of AOCI. Those amounts will subsequently be recorded as component of net periodic benefit costs as they are amortized during future periods.
Earnings Per Share	Earnings per share – Earnings per share are computed based on the weighted average number of shares outstanding during each year. The Corporation’s basic earnings per share are calculated as net income divided by the weighted average number of shares outstanding. For diluted earnings per share, net income is divided by the weighted average number of shares outstanding plus the incremental number of shares added as a result of converting common stock equivalents, calculated using the treasury stock method. The Corporation’s common stock equivalents consist of stock options. A reconciliation of the weighted average shares outstanding used to calculate basic earnings per share and diluted earnings per share follows: (Dollars and shares in thousands, except per share data) 2020 2019 Weighted average shares outstanding (basic) 4,357 4,375 Impact of common stock equivalents 9 21 Weighted average shares outstanding (diluted) 4,366 4,396 Anti-dilutive options excluded from calculation 71 10 Net income $ 12,800 $ 16,115 Basic earnings per share $ 2.94 $ 3.68 Diluted earnings per share $ 2.93 $ 3.67
Segment Reporting	Segment Reporting – The Bank acts as an independent community financial services provider and offers traditional banking and related financial services to individual, business and government customers. Through its community offices and electronic banking applications, the Bank offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of safe deposit services. The Bank also performs personal, corporate, pension and fiduciary services through its Investment and Trust Services Department. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial, retail, mortgage banking and trust operations of the Bank. As such, discrete information is not available and segment reporting would not be meaningful.
Risk And Uncertainties	Risk and Uncertainties – On March 11, 2020, the World Health Organization announced that the COVID-19 outbreak was deemed a pandemic, and on March 13, 2020, the President declared the ongoing COVID-19 pandemic of sufficient magnitude to warrant an emergency declaration. The extent to which the coronavirus may impact business activity or investment results will de pend 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 teat its impact, among others. The economic effects of the COVID-19 pandemic may negatively impact significant estimates and the assumptions underlying those estimates. The estimate that is particularly susceptible to material change is the determination of the allowance for loan losses.
Comprehensive Income	Comprehensive Income – Comprehensive income is reflected in the Consolidated Statements of Comprehensive Income and includes net income and unrealized gains or losses, net of tax, on investment securities, reclassifications and the change in plan assets and benefit obligations on the Bank’s pension plan, net of tax.
Reclassification	Reclassification – Certain prior period amounts may have been reclassified to conform to the current year presentation. Such reclassifications did not affect reported net income.
Recent Accounting Pronouncements, Policy	Recent Accounting Pronouncements: 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 2021. 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 applied 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. ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting Description This ASU provides temporary, optional guidance to ease the potential burden in accounting for, or recognizing the effects of, the transition away from the LIBOR or other interbank offered rate on financial reporting. To help with the transition to new reference rates, the ASU provides optional expedients and exceptions for applying GAAP to affected contract modifications and hedge accounting relationships. The main provisions include: (1) a change in a contract's reference interest rate would be accounted for as a continuation of that contract rather than as the creation of a new one for contracts, including loans, debts, leases, and other arrangements that meet specific criteria, and (2) when updating its hedging strategies in response to reference rate reform, an entity would be allowed to preserve its accounting. The guidance is applicable only to contracts or hedge accounting relationships that reference LIBOR or another reference rate expected to be discontinued. Because the guidance is meant to help entities through the transition period, it will be in effect for a limited time and will not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022, except for hedging relationships existing as of December 31, 2022, for which an entity has elected certain optional expedients that are retained through the end of the hedging relationship. Effective Date March 12, 2020 through December 31, 2022 Effect on the Consolidated Financial Statements The Corporation will continue to review the ASU as part of its adoption but does not expect it to have a material effect on the consolidated financial statements.

Summary Of Significant Accoun_3

Summary Of Significant Accounting Policies (Tables)	12 Months Ended
Summary Of Significant Accounting Policies (Tables)	Dec. 31, 2020
Summary Of Significant Accounting Policies [Abstract]
Schedule Of Earnings Per Share, Basic And Diluted	(Dollars and shares in thousands, except per share data) 2020 2019 Weighted average shares outstanding (basic) 4,357 4,375 Impact of common stock equivalents 9 21 Weighted average shares outstanding (diluted) 4,366 4,396 Anti-dilutive options excluded from calculation 71 10 Net income $ 12,800 $ 16,115 Basic earnings per share $ 2.94 $ 3.68 Diluted earnings per share $ 2.93 $ 3.67
Recent Accounting Pronouncements	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 2021. 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 applied 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. ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting Description This ASU provides temporary, optional guidance to ease the potential burden in accounting for, or recognizing the effects of, the transition away from the LIBOR or other interbank offered rate on financial reporting. To help with the transition to new reference rates, the ASU provides optional expedients and exceptions for applying GAAP to affected contract modifications and hedge accounting relationships. The main provisions include: (1) a change in a contract's reference interest rate would be accounted for as a continuation of that contract rather than as the creation of a new one for contracts, including loans, debts, leases, and other arrangements that meet specific criteria, and (2) when updating its hedging strategies in response to reference rate reform, an entity would be allowed to preserve its accounting. The guidance is applicable only to contracts or hedge accounting relationships that reference LIBOR or another reference rate expected to be discontinued. Because the guidance is meant to help entities through the transition period, it will be in effect for a limited time and will not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022, except for hedging relationships existing as of December 31, 2022, for which an entity has elected certain optional expedients that are retained through the end of the hedging relationship. Effective Date March 12, 2020 through December 31, 2022 Effect on the Consolidated Financial Statements The Corporation will continue to review the ASU as part of its adoption but does not expect it to have a material effect on the consolidated financial statements.

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
Regulatory Matters (Tables)	Dec. 31, 2020
Regulatory Matters [Abstract]
Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements	As of December 31, 2020 Regulatory Ratios Adequately Capitalized Well Capitalized Actual Minimum Minimum (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Common Equity Tier 1 Risk-based Capital Ratio (1) Corporation $ 132,970 14.32 % $ 41,788 N/A N/A N/A Bank 130,678 14.07 % 41,809 4.50 % $ 60,390 6.50 % Tier 1 Risk-based Capital Ratio (2) Corporation $ 132,970 14.32 % $ 55,717 N/A N/A N/A Bank 130,678 14.07 % 55,745 6.00 % $ 74,326 8.00 % Total Risk-based Capital Ratio (3) Corporation $ 164,230 17.69 % $ 74,289 N/A N/A N/A Bank 142,384 15.33 % 74,326 8.00 % $ 92,908 10.00 % Tier 1 Leverage Ratio (4) Corporation $ 132,970 8.69 % $ 61,191 N/A N/A N/A Bank 130,678 8.54 % 61,222 4.00 % $ 76,527 5.00 % As of December 31, 2019 Regulatory Ratios Adequately Capitalized Well Capitalized Actual Minimum Minimum (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Common Equity Tier 1 Risk-based Capital Ratio (1) Corporation $ 124,498 14.82 % $ 37,808 N/A N/A N/A Bank 122,974 14.62 % 37,859 4.50 % $ 54,682 6.50 % Tier 1 Risk-based Capital Ratio (2) Corporation $ 124,498 14.82 % $ 50,410 N/A N/A N/A Bank 122,974 14.62 % 50,479 6.00 % $ 67,305 8.00 % Total Risk-based Capital Ratio (3) Corporation $ 135,061 16.08 % $ 67,214 N/A N/A N/A Bank 133,537 15.87 % 67,305 8.00 % $ 84,131 10.00 % Tier 1 Leverage Ratio (4) Corporation $ 124,498 9.72 % $ 51,216 N/A N/A N/A Bank 122,974 9.59 % 51,285 4.00 % $ 64,107 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

Investments (Tables)

Investments (Tables)	12 Months Ended
Investments (Tables)	Dec. 31, 2020
Investments [Abstract]
Unrealized Gain (Loss) On Investments	(Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair December 31, 2020 cost gains losses value U.S. Government and Agency securities $ 12,594 $ 20 $ ( 40 ) $ 12,574 Municipal securities 236,253 11,020 ( 219 ) 247,054 Trust preferred and Corporate securities 20,421 22 ( 155 ) 20,288 Agency mortgage-backed securities 70,443 1,905 ( 107 ) 72,241 Private-label mortgage-backed securities 8,412 56 ( 15 ) 8,453 Asset-backed securities 36,246 249 ( 165 ) 36,330 Total $ 384,369 $ 13,272 $ ( 701 ) $ 396,940 (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 Total $ 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 $ 4,369 $ 4,388 Due after one year through five years 21,250 21,857 Due after five years through ten years 216,196 225,142 Due after ten years 27,453 28,529 269,268 279,916 Mortgage-backed and asset-backed securities 115,101 117,024 Total $ 384,369 $ 396,940
Schedule Of Gain (Loss) On Investments	(Dollars in thousands) 2020 2019 Proceeds $ 3,141 $ 18,781 Gross gains realized 62 285 Gross losses realized ( 33 ) ( 29 ) Net gains realized $ 29 $ 256 Tax (provision) benefit on net gains (losses) realized $ 6 $ 54
Schedule Of Unrealized Loss On Investments	December 31, 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 $ 3,966 $ ( 21 ) 5 $ 4,185 $ ( 19 ) 11 $ 8,151 $ ( 40 ) 16 Municipal securities 27,022 ( 219 ) 28 — — — 27,022 ( 219 ) 28 Trust preferred and Corporate securities 7,576 ( 37 ) 13 3,040 ( 118 ) 4 10,616 ( 155 ) 17 Agency mortgage-backed securities 18,390 ( 101 ) 17 3,355 ( 6 ) 5 21,745 ( 107 ) 22 Private-label mortgage-backed securities 2,506 (15) 2 — — — 2,506 (15) 2 Asset-backed securities 1,458 ( 12 ) 2 11,452 ( 153 ) 15 12,910 ( 165 ) 17 Total temporarily impaired securities $ 60,918 $ ( 405 ) 67 $ 22,032 $ ( 296 ) 35 $ 82,950 $ ( 701 ) 102 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	(Dollars in thousands) Twelve Months Ended 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 December 31 $ 272 $ 272

Loans (Tables)

Loans (Tables)	12 Months Ended
Loans (Tables)	Dec. 31, 2020
Loans [Abstract]
Schedule Of Loans Outstanding	(Dollars in thousands) 2020 2019 Residential Real Estate 1-4 Family Consumer first liens $ 77,373 $ 85,319 Commercial first lien 59,851 57,627 Total first liens 137,224 142,946 Consumer junior liens and lines of credit 60,935 42,715 Commercial junior liens and lines of credit 4,425 4,882 Total junior liens and lines of credit 65,360 47,597 Total residential real estate 1-4 family 202,584 190,543 Residential real estate - construction Consumer 6,751 4,107 Commercial 9,558 9,216 Total residential real estate construction 16,309 13,323 Commercial real estate 503,977 494,262 Commercial 281,257 230,007 Total commercial 785,234 724,269 Consumer 5,577 6,440 1,009,704 934,575 Less: Allowance for loan losses ( 16,789 ) ( 11,966 ) Net Loans $ 992,915 $ 922,609 Included in the loan balances are the following: Net unamortized deferred loan costs $ 8 $ 178 Loans pledged as collateral for borrowings and commitments from: FHLB $ 840,850 $ 764,340 Federal Reserve Bank 50,605 32,155 Total $ 891,455 $ 796,495 Paycheck Protection Program (PPP) loans (included in Commercial loans above) Two-year loans $ 5,378 $ — Five-year loans 46,912 — Total Paycheck Protection Program loans $ 52,290 $ — Unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above) Two-year loans $ ( 165 ) $ — Five-year loans ( 1,178 ) — Total unamortized deferred PPP loan fees $ ( 1,343 ) $ —
Schedule Of Loans To Related Parties	(Dollars in thousands) 2020 2019 Balance at beginning of year $ 10,321 $ 20,489 New loans made 2,401 557 Repayments ( 2,118 ) ( 10,725 ) Balance at end of year $ 10,604 $ 10,321

Loan Quality (Tables)

Loan Quality (Tables)	12 Months Ended
Loan Quality (Tables)	Dec. 31, 2020
Loan Quality [Abstract]
Allowance For Loan Losses, By Loan Segment	The following table shows the activity in the Allowance for Loan Loss (ALL), for the years ended December 31, 2020 2018 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 December 31, 2018 $ 491 $ 133 $ 110 $ 6,278 $ 4,783 $ 70 $ 550 $ 12,415 Charge-offs ( 52 ) ( 12 ) ( 123 ) ( 564 ) ( 93 ) ( 125 ) — ( 969 ) Recoveries 5 1 — 72 170 35 — 283 Provision ( 28 ) ( 3 ) 200 821 ( 839 ) 104 ( 18 ) 237 ALL at December 31, 2019 $ 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 Charge-offs — ( 10 ) — ( 55 ) ( 463 ) ( 117 ) — ( 645 ) Recoveries 4 — — 545 268 26 — 843 Provision 135 117 107 2,066 1,853 104 243 4,625 ALL at December 31, 2020 $ 555 $ 226 $ 294 $ 9,163 $ 5,679 $ 97 $ 775 $ 16,789 The following table shows the loans that were evaluated for the Allowance for Loan Loss (ALL) under a specific reserve (individually) and those that were evaluated under a general reserve (collectively), and the amount of the allowance established in each category as of December 31, 2020 and 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 December 31, 2020 Loans evaluated for ALL: Individually $ 637 $ — $ 512 $ 16,104 $ — $ — $ — $ 17,253 Collectively 136,587 65,360 15,797 487,873 281,257 5,577 — 992,451 Total $ 137,224 $ 65,360 $ 16,309 $ 503,977 $ 281,257 $ 5,577 $ — $ 1,009,704 ALL established for loans evaluated: Individually $ — $ — $ — $ 228 $ — $ — $ — $ 228 Collectively 555 226 294 8,935 5,679 97 775 16,561 ALL at December 31, 2020 $ 555 $ 226 $ 294 $ 9,163 $ 5,679 $ 97 $ 775 $ 16,789 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	Impaired Loans With No Allowance With Allowance (Dollars in thousands) Unpaid Unpaid Recorded Principal Recorded Principal Related December 31, 2020 Investment Balance Investment Balance Allowance Residential Real Estate 1-4 Family First liens $ 637 $ 637 $ — $ — $ — Junior liens and lines of credit — — — — — Total 637 637 — — — Residential real estate - construction 512 729 — — — Commercial real estate 10,402 11,107 5,702 5,702 228 Commercial — — — — — Total $ 11,551 $ 12,473 $ 5,702 $ 5,702 $ 228 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 $ — $ — $ — Twelve Months Ended December 31, 2020 December 31, 2019 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 648 $ 40 $ 668 $ 39 Junior liens and lines of credit — — — — Total 648 40 668 39 Residential real estate - construction 518 — 619 — Commercial real estate 13,839 390 13,319 397 Commercial — — — — Total $ 15,005 $ 430 $ 14,606 $ 436
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 December 31, 2020 Residential Real Estate 1-4 Family First liens $ 137,056 $ 43 $ 58 $ 26 $ 127 $ 41 $ 137,224 Junior liens and lines of credit 65,212 115 23 — 138 10 65,360 Total 202,268 158 81 26 265 51 202,584 Residential real estate - construction 15,797 — — — — 512 16,309 Commercial real estate 495,609 74 261 — 335 8,033 503,977 Commercial 280,930 219 — — 219 108 281,257 Consumer 5,525 38 2 12 52 — 5,577 Total $ 1,000,129 $ 489 $ 344 $ 38 $ 871 $ 8,704 $ 1,009,704 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 December 31, 2020 Residential Real Estate 1-4 Family First liens $ 137,156 $ — $ 68 $ — $ 137,224 Junior liens and lines of credit 65,350 — 10 — 65,360 Total 202,506 — 78 — 202,584 Residential real estate - construction 15,797 — 512 — 16,309 Commercial real estate 449,478 35,947 18,552 — 503,977 Commercial 270,272 10,698 287 — 281,257 Consumer 5,565 — 12 — 5,577 Total $ 943,618 $ 46,645 $ 19,441 $ — $ 1,009,704 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	The following table presents TDR loans as of December 31, 2020 and 2019: 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 December 31, 2020 Residential real estate - construction 1 $ 434 $ 434 $ — — $ — Residential real estate 4 637 637 — — — Commercial real estate - owner occupied 4 1,224 1,224 — — — Commercial real estate - farmland 6 2,257 2,257 — — — Commercial real estate - construction and land development 2 6,129 6,129 — — — Commercial real estate 2 330 122 208 — — Total 19 $ 11,011 $ 10,803 $ 208 — $ — December 31, 2019 Residential real estate - construction 1 $ 444 $ 444 $ — — $ — Residential real estate 4 659 659 — — — Commercial real estate - owner occupied 2 846 846 — — — Commercial real estate - farmland 5 1,646 1,646 — — — Commercial real estate - construction and land development 2 6,487 6,487 — — — Commercial real estate 2 364 364 — — — Total 16 $ 10,446 $ 10,446 $ — — $ — * The performing status is determined by the loan’s compliance with the modified terms. The following table presents new TDR loans made during the year ended December 31, 2020: New During Period Twelve Months Ended Number of Pre-TDR After-TDR Recorded December 31, 2020 Contracts Modification Modification Investment Concession Commercial real estate - farm land 1 $ 650 $ 650 $ 694 multiple Commercial real estate - owner occupied 2 426 426 425 maturity 3 $ 1,076 $ 1,076 $ 1,119 There were no new TDR loans made during the year ended December 31, 2019.

Premises And Equipment (Tables)

Premises And Equipment (Tables)	12 Months Ended
Premises And Equipment (Tables)	Dec. 31, 2020
Premises And Equipment [Abstract]
Premises And Equipment	(Dollars in thousands) Estimated Life 2020 2019 Land $ 3,337 $ 3,218 Buildings and leasehold improvements 15 - 30 years, or lease term 24,841 24,713 Furniture, fixtures and equipment 3 - 10 years 13,274 13,425 Total cost 41,452 41,356 Less: Accumulated depreciation ( 28,347 ) ( 27,505 ) Net premises and equipment $ 13,105 $ 13,851
Schedule Of Depreciation And Rent Expense	2020 2019 Depreciation expense $ 1,230 $ 1,259

Leases (Tables)

Leases (Tables)	12 Months Ended
Leases (Tables)	Dec. 31, 2020
Leases [Abstract]
Schedule Of Lease Costs	For the years ended December 31 (Dollars in thousands) 2020 2019 Operating lease cost $ 615 $ 615 Short-term lease cost 7 7 Variable lease cost 49 48 Total lease cost $ 671 $ 670
Schedule Of Measurement Of Lease Liabilities	For the years ended (Dollars in thousands) December 31 Cash paid for amounts included in the measurement of lease liabilities: 2020 2019 Operating cash flows from operating leases $ 590 580 Weighted-average remaining lease term (years) 12.36 13.22 Weighted-average discount rate 3.54 % 3.55 %
Schedule Of Future Minimum Payments Operating Leases	(Dollars in thousands) 2021 $ 642 2022 640 2023 650 2024 628 2025 588 2026 and beyond 3,396 Discounted cash flows 6,544 Imputed interest ( 1,212 ) Total lease liability $ 5,332

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	12 Months Ended
Other Real Estate Owned (Tables)	Dec. 31, 2020
Other Real Estate Owned [Abstract]
Summary Of Changes In Other Real Estate Owned	(Dollars in thousands) 2020 2019 Balance at beginning of the period $ — $ 2,684 Additions — 80 Proceeds from dispositions — ( 3,065 ) Gain (loss) on sales, net — 326 Valuation adjustment — ( 25 ) Balance at the end of the period $ — $ —

Deposits (Tables)

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Dec. 31, 2020
Deposits [Abstract]
Schedule Of Deposits	(Dollars in thousands) 2020 2019 Noninterest-bearing checking $ 259,060 $ 192,108 Interest-bearing checking 409,178 331,886 Money management 501,017 429,199 Savings 109,153 82,851 Total interest-bearing checking and savings 1,019,348 843,936 Time deposits 76,165 89,348 Total deposits $ 1,354,573 $ 1,125,392 Overdrawn deposit accounts reclassified as loans $ 86 $ 153
Maturities Of Time Deposits	(Dollars in thousands) Time Deposits 2021 $ 57,061 2022 11,732 2023 4,316 2024 1,394 2025 1,662 Total $ 76,165

Other Borrowings (Tables)

Other Borrowings (Tables)	12 Months Ended
Other Borrowings (Tables)	Dec. 31, 2020
Other Borrowings [Abstract]
Short Term Borrowings	2020 2019 FHLB FHLB (Dollars in thousands) Open Repo Open Repo Ending balance $ — $ — Weighted average rate at year end — — Range of interest rates paid at year end — — Maximum month-end balance during the year $ — $ 4,500 Average balance during the year $ — $ 1,335 Weighted average interest rate during the year — 2.60 %

Federal Income Taxes (Tables)

Federal Income Taxes (Tables)	12 Months Ended
Federal Income Taxes (Tables)	Dec. 31, 2020
Federal Income Taxes [Abstract]
Schedule Of Deferred Tax Assets And Liabilities	(Dollars in thousands) Deferred Tax Assets 2020 2019 Allowance for loan losses $ 3,561 $ 2,532 Deferred compensation 761 762 Purchase accounting 17 16 Other than temporary impairment of investments 58 58 Lease liabilities 1,131 1,092 Accumulated other comprehensive loss — 1,591 Other 581 580 6,109 6,631 Valuation allowance ( 58 ) ( 58 ) Total gross deferred tax assets 6,051 6,573 Deferred Tax Liabilities Depreciation 464 309 Right-of-use asset 1,118 1,084 Joint ventures and partnerships 55 46 Pension 1,163 1,093 Accumulated other comprehensive gain 848 — Deferred loan fees and costs, net 2 38 Total gross deferred tax liabilities 3,650 2,570 Net deferred tax asset $ 2,401 $ 4,003
Schedule Of Components Of Income Tax Expense (Benefit)	For the Years Ended December 31 (Dollars in thousands) 2020 2019 Current tax expense (benefit) $ 2,210 $ 996 Tax benefit NOL carryback ( 1,113 ) — Deferred tax (benefit) expense ( 839 ) 1,884 Income tax provision $ 258 $ 2,880
Schedule Of Effective Income Tax Rate Reconciliation	For the Years Ended December 31 (Dollars in thousands) 2020 2019 Tax provision at statutory rate $ 2,747 $ 3,992 Income on tax-exempt loans and securities ( 1,144 ) ( 1,134 ) Tax benefit NOL carryback (1,113) — Nondeductible interest expense relating to carrying tax-exempt obligations 43 45 Income from bank owned life insurance ( 269 ) ( 148 ) Stock option compensation — — Other, net ( 6 ) 125 Income tax provision $ 258 $ 2,880 Effective income tax rate 2.0 % 15.2 %

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
Accumulated Other Comprehensive Income (Loss) (Tables)	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss) [Abstract]
Schedule Of Accumulated Other Comprehensive Income (Loss)	Unrealized Gains and Losses on Available-for-sale Defined Benefit Securities Pension Items Total December 31, 2020 Beginning balance $ 185 $ ( 6,171 ) $ ( 5,986 ) Other comprehensive income before reclassification, net of tax 9,769 ( 1,284 ) 8,485 Amounts reclassified from accumulated other comprehensive income, net of tax ( 23 ) 714 691 Current period other comprehensive income 9,746 ( 570 ) 9,176 Ending balance $ 9,931 $ ( 6,741 ) $ 3,190 December 31, 2019 Beginning balance $ ( 870 ) $ ( 5,510 ) $ ( 6,380 ) Other comprehensive income before reclassification, net of tax 1,257 ( 1,097 ) 160 Amounts reclassified from accumulated other comprehensive income, net of tax ( 202 ) 436 234 Current period other comprehensive income 1,055 ( 661 ) 394 Ending balance $ 185 $ ( 6,171 ) $ ( 5,986 )

Financial Derivatives (Tables)

Financial Derivatives (Tables)	12 Months Ended
Financial Derivatives (Tables)	Dec. 31, 2020
Financial Derivatives [Abstract]
Schedule Of Fair Value Of Derivative Instruments	Fair Value of Derivative Instruments Derivative Liabilities (Dollars in thousands) As of December 31, 2020 As of December 31, 2019 Notional amount Balance Sheet Location Fair Value Notional amount Balance Sheet Location Fair Value Derivatives not designated as hedging instruments Other Contracts 6,836 Other Liabilities $ 40 7,011 Other Liabilities $ 19 Total derivatives not designated as hedging instruments $ 40 $ 19
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) Year Ended December 31 2020 2019 Other Contracts Other income/(expense) $ ( 21 ) $ 165

Benefit Plans (Tables)

Benefit Plans (Tables)	12 Months Ended
Benefit Plans (Tables)	Dec. 31, 2020
Benefit Plans [Abstract]
Schedule Of Plan's Funded Status And Assumptions Used	For the Years Ended December 31 (Dollars in thousands) 2020 2019 Change in projected benefit obligation Benefit obligation at beginning of measurement year $ 20,779 $ 17,937 Service cost 332 325 Interest cost 525 631 Actuarial loss (gain) 2,275 2,727 Benefits paid ( 1,400 ) ( 841 ) Benefit obligation at end of measurement year 22,511 20,779 Change in plan assets Fair value of plan assets at beginning of measurement year 18,135 16,549 Actual return on plan assets net of expenses 1,727 2,427 Employer contribution 1,000 — Benefits paid ( 1,400 ) ( 841 ) Fair value of plan assets at end of measurement year 19,462 18,135 Funded status of projected benefit obligation $ ( 3,049 ) $ ( 2,644 ) For the Years Ended December 31 2020 2019 Assumptions used to determine benefit obligations: Discount rate 2.33 % 3.13 % Rate of compensation increase 4.00 % 4.00 %
Schedule Of Amounts Recognized In Other Comprehensive Income (Loss)	Amounts recognized in accumulated other comprehensive For the Years Ended December 31 income (loss), net of tax 2020 2019 Net actuarial loss $ ( 8,533 ) $ ( 7,812 ) Tax effect 1,792 1,641 Net amount recognized in accumulated other comprehensive loss $ ( 6,741 ) $ ( 6,171 )
Schedule Of Net Periodic Pension Costs	For the Years Ended December 31 Components of net periodic pension cost 2020 2019 Service cost $ 332 $ 325 Interest cost 525 631 Expected return on plan assets ( 1,079 ) ( 1,087 ) Recognized net actuarial loss 904 552 Net periodic pension cost $ 682 $ 421 For the Years Ended December 31 2020 2019 Assumptions used to determine net periodic benefit cost: Discount rate 3.13 % 4.15 % Expected long-term return on plan assets 6.50 % 6.50 % Rate of compensation increase 4.00 % 4.00 % Asset allocations: Cash and cash equivalents 12 % 4 % Common stocks 22 % 21 % Corporate bonds 13 % 13 % Municipal bonds 26 % 35 % Investment fund - debt 9 % 9 % Investment fund - equity 12 % 10 % Deposit in immediate participation guarantee contract 6 % 6 % Other 0 % 2 % Total 100 % 100 %
Schedule Of Amounts Recognized In Balance Sheet	(Dollars in Thousands) December 31, 2020 Asset Description Fair Value Level 1 Level 2 Level 3 Cash and cash equivalents $ 2,305 $ 2,305 $ — $ — Equity securities 4,236 4,236 — — Corporate bonds 2,581 — 2,581 — Municipal bonds 5,066 — 5,066 — Investment fund - debt 1,757 — 1,757 — Investment fund - equity 2,252 2,252 — — Deposit in immediate participation guarantee contract 1,187 1,187 — — Cash surrender value of life insurance 28 — — 28 Certificates of deposit 50 — 50 — Total assets $ 19,462 $ 9,980 $ 9,454 $ 28 (Dollars in Thousands) December 31, 2019 Asset Description Fair Value Level 1 Level 2 Level 3 Cash and cash equivalents $ 808 $ 808 $ — $ — Equity securities 3,717 3,717 — — Corporate bonds 2,406 — 2,406 — Municipal bonds 6,266 — 6,266 — Investment fund - debt 1,605 — 1,605 — Investment fund - equity 1,875 1,875 — — Deposit in immediate participation guarantee contract 1,129 1,129 — — Cash surrender value of life insurance 28 — — 28 Certificates of deposit 301 — 301 — Total assets $ 18,135 $ 7,529 $ 10,578 $ 28
Schedule Of Changes In Fair Value Of Plan Assets	Cash Value of Life Insurance December 31 2020 2019 Balance at the beginning of the period $ 28 $ 25 Unrealized gain (loss) relating to investments held at the reporting date — 3 Purchases, sales, issuances and settlement, net — — Balance at the end of the period $ 28 $ 28
Schedule Of Expected Benefit Payments	2021 $ 2,267 2022 1,293 2023 1,104 2024 1,037 2025 1,431 2026-2030 6,685 Total $ 13,817

Stock Based Compensation (Table

Stock Based Compensation (Tables)	12 Months Ended
Stock Based Compensation (Tables)	Dec. 31, 2020
Stock Based Compensation [Abstract]
Schedule Of Share-based Compensation, Stock Options, Activity	Employee Stock Purchase Plan ESPP Weighted Average Aggregate (Dollars in thousands except share and per share data) Options Price Per Share Intrinsic Value Balance Outstanding at December 31, 2018 18,378 $ 32.73 $ - Granted 19,644 36.21 Exercised ( 2,270 ) 32.75 Expired ( 16,641 ) 32.84 Balance Outstanding at December 31, 2019 19,111 $ 36.21 $ 47 Granted 32,209 24.19 Exercised ( 753 ) 25.32 Expired ( 20,882 ) 35.15 Balance Outstanding at December 31, 2020 29,685 $ 24.19 $ 84 Shares available for future grants under the ESPP at December 31, 2020 181,954 The following table summarizes the activity in the Stock Plan: ISO Weighted Average Aggregate (Dollars in thousands except share and per share data) Options Price Per Share Intrinsic Value Balance Outstanding at December 31, 2018 104,011 $ 28.22 $ 341 Granted — — Exercised ( 8,482 ) 22.82 Forfeited ( 2,550 ) 34.10 Balance Outstanding at December 31, 2019 92,979 $ 28.55 $ 943 Granted — — Exercised ( 625 ) 27.62 Forfeited — — Balance Outstanding at December 31, 2020 92,354 $ 28.55 $ — Weighted Average Restricted Grant Date Shares Fair Value Nonvested as of December 31, 2019 — $ — Granted 14,921 31.02 Vested ( 398 ) 31.02 Forfeited ( 990 ) 31.02 Nonvested as of December 31, 2020 13,533 $ 31.02 Shares available for future grants under the Stock Plan at December 31, 2020 293,090
Share-based Compensation Arrangement By Share-based Payment Award, Options, Vested And Expected To Vest, Outstanding And Exercisable	Options Weighted Outstanding Exercise Price or Weighted Average Average Remaining Stock Option Plan and Exercisable Price Range Exercise Price Life (years) Employee Stock Purchase Plan 29,685 $ 24.19 $ 24.19 0.5 Incentive Stock Options 20,200 21.27 21.27 5.2 Incentive Stock Options 10,850 22.05 22.05 4.2 Incentive Stock Options 61,304 30.00 - 34.10 32.11 6.7 ISO Total/Average 92,354 $ 28.55 6.2

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	12 Months Ended
Shareholders' Equity (Tables)	Dec. 31, 2020
Shareholders' Equity [Abstract]
Schedule Of Stock Repurchase Activity	Shares Repurchased Plan Date Authorized Expiration 2020 2019 9/12/2019 150,000 shares 9/12/2020 36,401 3,078 12/17/2020 150,000 shares 12/18/2021 — N/A

Commitments And Contingencies (

Commitments And Contingencies (Tables)	12 Months Ended
Commitments And Contingencies (Tables)	Dec. 31, 2020
Commitments And Contingencies [Abstract]
Outstanding Commitments	(Dollars in thousands) Financial instruments whose contract amounts represent credit risk 2020 2019 Commercial commitments to extend credit $ 280,939 $ 248,251 Consumer commitments to extend credit (secured) 71,761 56,898 Consumer commitments to extend credit (unsecured) 5,224 5,088 $ 357,924 $ 310,237 Standby letters of credit $ 22,334 $ 26,382

Fair Value Measurements And F_2

Fair Value Measurements And Fair Values Of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 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 December 31, 2020 Asset Description Level 1 Level 2 Level 3 Total Equity securities, at fair value $ 391 $ — $ — $ 391 Available for sale: U.S. Government and Agency securities — 12,574 — 12,574 Municipal securities — 247,054 — 247,054 Trust Preferred and Corporate Securities — 20,288 — 20,288 Agency mortgage-backed securities — 72,241 — 72,241 Private-label mortgage-backed securities — 8,453 — 8,453 Asset-backed securities — 36,330 — 36,330 Total assets $ 391 $ 396,940 $ — $ 397,331 (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, 2020 Asset Description Level 1 Level 2 Level 3 Total Impaired Loans (1) $ — $ — $ 5,474 $ 5,474 Total assets $ — $ — $ 5,474 $ 5,474 (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) Quantitative Information about Level 3 Fair Value Measurements Range December 31, 2020 Fair Value Valuation Technique Unobservable Input (Weighted Average) Impaired Loans $ 5,474 Appraisal Appraisal Adjustment on Non-real estate assets 0 % - 100 % ( 66 %) Cost to sell 8 % Range December 31, 2019 Fair Value Valuation Technique Unobservable Input (Weighted Average) Impaired Loans $ 1,080 Appraisal Appraisal Adjustment 0 % - 100 % ( 48 %)
Fair Value, By Balance Sheet Grouping	December 31, 2020 Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial assets, carried at cost: Cash and cash equivalents $ 57,146 $ 57,146 $ 57,146 $ — $ — Long-term interest-bearing deposits in other banks 12,741 12,741 12,741 Loans held for sale 9,446 9,446 — 9,446 — Net loans 992,915 990,867 — — 990,867 Accrued interest receivable 6,410 6,410 — — 6,410 Financial liabilities: Deposits $ 1,354,573 $ 1,355,086 $ — $ 1,355,086 $ — Accrued interest payable 180 180 — 180 — 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 $ 1,125,887 $ — $ 1,125,887 $ — Accrued interest payable 436 436 — 436 —

Parent Company (Franklin Fina_2

Parent Company (Franklin Financial Services Corporation) Financial Information (Tables)	12 Months Ended
	Dec. 31, 2020
Parent Company (Franklin Financial Services Corporation) Financial Information [Abstract]
Balance Sheets	December 31 (Dollars in thousands) 2020 2019 Assets: Cash and cash equivalents $ 20,109 $ 164 Investment securities 391 440 Equity investment in subsidiaries 142,949 126,069 Other assets 1,282 859 Total assets $ 164,731 127,532 Liabilities: Other liabilities $ 19,555 $ 4 Total liabilities 19,555 4 Shareholders' equity 145,176 127,528 Total liabilities and shareholders' equity $ 164,731 $ 127,532
Statements Of Income	Years Ended December 31 (Dollars in thousands) 2020 2019 Income: Dividends from Bank subsidiary $ 6,639 $ 8,710 Change in fair value of equity securities ( 50 ) 66 6,589 8,776 Expenses: Interest expense 427 — Operating expenses 1,473 1,176 Income before income taxes and equity in undistributed income of subsidiaries 4,689 7,600 Income tax benefit 409 867 Equity in undistributed income of subsidiaries 7,702 7,648 Net income 12,800 16,115 Other comprehensive income of subsidiary 9,176 394 Comprehensive income $ 21,976 $ 16,509
Statements Of Cash Flows	Years Ended December 31 (Dollars in thousands) 2020 2019 Cash flows from operating activities Net income $ 12,800 $ 16,115 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed (income) of subsidiary ( 7,702 ) ( 7,648 ) Stock option compensation 197 — Increase in other assets/liabilities ( 366 ) ( 1,034 ) Net cash provided by operating activities 4,929 7,433 Cash flows from financing activities Dividends paid ( 5,226 ) ( 5,115 ) Proceeds from subordinated notes, net of issuance costs 19,541 — Cash received from option exercises 36 268 Common stock issued under dividend reinvestment plan 1,836 1,316 Treasury stock purchase ( 1,171 ) ( 3,846 ) Net cash used in financing activities 15,016 ( 7,377 ) Increase in cash and cash equivalents 19,945 56 Cash and cash equivalents as of January 1 164 108 Cash and cash equivalents as of December 31 $ 20,109 $ 164

Summary Of Significant Accoun_4

Summary Of Significant Accounting Policies (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Summary Of Significant Accounting Policies [Line Items]
Restricted stock	$ 468	$ 465
Restricted Stock Cost		$ 100
Goodwill	9,016	$ 9,016
Assets Held-in-trust	949,000	918,900
Share-based Compensation	$ 197
Federal Home Loan Bank of Pittsburgh [Member]
Summary Of Significant Accounting Policies [Line Items]
Restricted stock		468
FHLB [Member]
Summary Of Significant Accounting Policies [Line Items]
Restricted stock		$ 30

Summary Of Significant Accoun_5

Summary Of Significant Accounting Policies (Schedule Of Earnings Per Share Basic And Diluted) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Summary Of Significant Accounting Policies [Abstract]
Weighted average shares outstanding (basic)	4,357	4,375
Impact of common stock equivalents	9	21
Weighted average shares outstanding (diluted)	4,366	4,396
Anti-dilutive options excluded from calculation	71	10
Net income	$ 12,800	$ 16,115
Basic earnings per share	$ 2.94	$ 3.68
Diluted earnings per share	$ 2.93	$ 3.67

Regulatory Matters (Narrative)

Regulatory Matters (Narrative) (Details)		12 Months Ended
Regulatory Matters (Narrative) (Details)		Dec. 31, 2020USD ($)	Sep. 30, 2020USD ($)	Aug. 04, 2020USD ($)	Dec. 31, 2019	Dec. 31, 2015
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval		$ 103,800,000
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				6
Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio		5
Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio		10
Capital ratios, capital conservation buffer		2.50%
Subordinated Debt		$ 20,000,000		$ 20,000,000
Subordinated Debt, Current		15,000,000
Subordinated Long-term Debt, Noncurrent		$ 5,000,000
Unsecured Debt			$ 452,900,000
Debt Instrument, Redemption Period		5 years
Paycheck Protection Program, Risk-Weight For Risk-Based Capital Rules		0.00%
PPP Loans Pledged As Collateral		$ 0
Consolidated asset limit on small bank holding companies		$ 3,000,000,000
Subordinated Debt [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Debt Instrument, Redemption Period		5 years
Subordinated Debt [Member] \| Call Date 1 [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Debt Instrument, Term		5 years
Debt Instrument, Interest Rate, Stated Percentage		5.00%
Subordinated Debt [Member] \| Call Date 1 [Member] \| Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Debt Instrument, Basis Spread on Variable Rate		4.93%
Subordinated Debt [Member] \| Call Date 2 [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Debt Instrument, Term		10 years
Debt Instrument, Interest Rate, Stated Percentage		5.25%
Subordinated Debt [Member] \| Call Date 2 [Member] \| Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Debt Instrument, Basis Spread on Variable Rate		4.92%
Pennsylvania [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio		10
Tier One Leverage Capital to Average Assets		6
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	[1]	14.07			14.62
Tier One Leverage Capital to Average Assets	[2]	8.54			9.59
Common Equity Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	[1]	6.50%			6.50%
Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	[3]	8			8
Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio	[2]	5			5
Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	[4]	10			10
Capital ratios, capital conservation buffer		7.33%
Total Risk-based Capital Ratio: Ratio	[4]	15.33			15.87

[1]	Common equity Tier 1 capital / total risk-weighted assets
[2]	Tier 1 capital / average quarterly assets
[3]	Tier 1 capital / total risk-weighted assets
[4]	Total risk-based capital / total risk-weighted assets

Regulatory Matters (Schedule Of

Regulatory Matters (Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements) (Details) $ in Thousands		Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2015
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
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		6
Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio		10
Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio		5
Franklin Financial Services Corporation [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	[1]	14.32	14.82
Tier 1 Risk-based Capital Ratio: Ratio	[2]	14.32	14.82
Total Risk-based Capital Ratio: Ratio	[3]	17.69	16.08
Tier 1 Leverage Ratio: Ratio	[4]	8.69	9.72
Common Equity Tier 1 Risk-based Capital Ratio: Amount	[1]	$ 132,970	$ 124,498
Common Equity Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum, Amount	[1]	41,788	37,808
Tier 1 Risk-based Capital Ratio: Amount	[2]	132,970	124,498
Tier 1 Risk-based Capital Ratio: Minimum to be Adequately Capitalized Amount	[2]	55,717	50,410
Total Risk-based Capital Ratio: Amount	[3]	164,230	135,061
Total Risk-based Capital Ratio: Minimum to be Adequately Capitalized Amount	[3]	74,289	67,214
Tier 1 Leverage Ratio: Amount	[4]	132,970	124,498
Tier 1 Leverage Ratio: Minimum to be Adequately Capitalized Amount	[4]	$ 61,191	$ 51,216
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	[1]	14.07	14.62
Common Equity Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	[1]	4.50	4.50
Common Equity Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	[1]	6.50%	6.50%
Tier 1 Risk-based Capital Ratio: Ratio	[2]	14.07	14.62
Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	[2]	6	6
Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	[2]	8	8
Total Risk-based Capital Ratio: Ratio	[3]	15.33	15.87
Total Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	[3]	8	8
Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	[3]	10	10
Tier 1 Leverage Ratio: Ratio	[4]	8.54	9.59
Tier 1 Leverage Ratio: Adequately Capitalized Minimum: Ratio	[4]	4	4
Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio	[4]	5	5
Common Equity Tier 1 Risk-based Capital Ratio: Amount	[1]	$ 130,678	$ 122,974
Common Equity Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum, Amount	[1]	41,809	37,859
Common Equity Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum, Amount	[1]	60,390	54,682
Tier 1 Risk-based Capital Ratio: Amount	[2]	130,678	122,974
Tier 1 Risk-based Capital Ratio: Minimum to be Adequately Capitalized Amount	[2]	55,745	50,479
Tier 1 Risk-based Capital Ratio: Minimum to be Well Capitalized Amount	[2]	74,326	67,305
Total Risk-based Capital Ratio: Amount	[3]	142,384	133,537
Total Risk-based Capital Ratio: Minimum to be Adequately Capitalized Amount	[3]	74,326	67,305
Total Risk-based Capital Ratio: Minimum to be Well Capitalized Amount	[3]	92,908	84,131
Tier 1 Leverage Ratio: Amount	[4]	130,678	122,974
Tier 1 Leverage Ratio: Minimum to be Adequately Capitalized Amount	[4]	61,222	51,285
Tier 1 Leverage Ratio: Minimum to be Well Capitalized Amount	[4]	$ 76,527	$ 64,107

[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

Restricted Cash Balances (Narra

Restricted Cash Balances (Narrative) (Details) - USD ($)	1 Months Ended
Restricted Cash Balances (Narrative) (Details) - USD ($)	Mar. 31, 2020	Dec. 31, 2020	Dec. 31, 2019
Restricted Cash Balances [Abstract]
Federal Reserve, reduction in reserve requirement, percent	0.00%
Reserves		$ 0	$ 10,100,000

Investments (Narrative) (Detail

Investments (Narrative) (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)itemsecurity	Dec. 31, 2019USD ($)security$ / shares
Schedule of Available-for-sale Securities [Line Items]
Percent of shareholders equity benchmark for investments in a single issuer	10.00%
Fair Value	$ 396,940	$ 187,433
Number of temporarily impaired securities \| security	102	144
Unrealized Losses	$ 701	$ 1,686
Number of investments in a single issuer exceeding benchmark \| item	0
Number of investments \| item	1
Securities pledged as collateral	$ 137,400	107,100
Restricted stock	468	$ 465
Restricted Stock Cost \| $ / shares		$ 100
Equity securities	$ 391	$ 440
Federal Home Loan Bank of Pittsburgh [Member]
Schedule of Available-for-sale Securities [Line Items]
Restricted stock		$ 468

Investments (Unrealized Gain (l

Investments (Unrealized Gain (loss) On Investments) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 384,369	$ 187,199
Gross unrealized gains	13,272	1,920
Gross unrealized losses	(701)	(1,686)
Fair Value	396,940	187,433
U.S. Government And Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	12,594	8,418
Gross unrealized gains	20	30
Gross unrealized losses	(40)	(20)
Fair Value	12,574	8,428
Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	236,253	90,865
Gross unrealized gains	11,020	1,418
Gross unrealized losses	(219)	(997)
Fair Value	247,054	91,286
Trust Preferred And Corporate Securities
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	20,421	4,097
Gross unrealized gains	22
Gross unrealized losses	(155)	(130)
Fair Value	20,288	3,967
Agency Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	70,443	58,503
Gross unrealized gains	1,905	435
Gross unrealized losses	(107)	(234)
Fair Value	72,241	58,704
Private-Label Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	8,412	398
Gross unrealized gains	56	31
Gross unrealized losses	(15)
Fair Value	8,453	429
Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	36,246	24,918
Gross unrealized gains	249	6
Gross unrealized losses	(165)	(305)
Fair Value	$ 36,330	$ 24,619

Investments (Amortized Cost And

Investments (Amortized Cost And Fair Value Of Debt Securities, By Contractual Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Investments [Abstract]
Due in one year or less, Amortized cost	$ 4,369
Due after one year through five years, Amortized cost	21,250
Due after five years through ten years, Amortized cost	216,196
Due after ten years, Amortized cost	27,453
Amortized Cost Contractual Maturities Subtotal	269,268
Mortgage-backed securities, Amortized cost	115,101
Available-for-sale Securities, Debt Maturities, Amortized cost	384,369
Due in one year or less, Fair value	4,388
Due after one year through five years, Fair value	21,857
Due after five years through ten years, Fair value	225,142
Due after ten years, Fair value	28,529
Fair Value Contractual Maturities Subtotal	279,916
Mortgage-backed securities, Fair value	117,024
Available-for-sale Securities, Debt Securities, Fair Value	$ 396,940	$ 187,433

Investments (Composition Of Net

Investments (Composition Of Net Realized Securities Gains) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Investments [Abstract]
Proceeds	$ 3,141	$ 18,781
Gross gains realized	62	285
Gross losses realized	(33)	(29)
Net gains (losses) realized	29	256
Tax (provision) benefit on net gains (losses) realized	$ 6	$ 54

Investments (Schedule Of Unreal

Investments (Schedule Of Unrealized Loss On Investments) (Details) $ in Thousands	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)security
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 60,918	$ 80,262
Less than 12 months: Unrealized Losses	$ (405)	$ (1,291)
Less than 12 months: Count \| security	67	97
12 months or more: Fair Value	$ 22,032	$ 20,181
12 months or more: Unrealized Losses	$ (296)	$ (395)
12 months or more: Count \| security	35	47
Fair Value	$ 82,950	$ 100,443
Unrealized Losses	$ (701)	$ (1,686)
Count \| security	102	144
U.S. Government And Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 3,966	$ 2,559
Less than 12 months: Unrealized Losses	$ (21)	$ (12)
Less than 12 months: Count \| security	5	6
12 months or more: Fair Value	$ 4,185	$ 1,335
12 months or more: Unrealized Losses	$ (19)	$ (8)
12 months or more: Count \| security	11	7
Fair Value	$ 8,151	$ 3,894
Unrealized Losses	$ (40)	$ (20)
Count \| security	16	13
Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 27,022	$ 38,874
Less than 12 months: Unrealized Losses	$ (219)	$ (966)
Less than 12 months: Count \| security	28	40
12 months or more: Fair Value		$ 2,655
12 months or more: Unrealized Losses		$ (31)
12 months or more: Count \| security		4
Fair Value	$ 27,022	$ 41,529
Unrealized Losses	$ (219)	$ (997)
Count \| security	28	44
Trust Preferred And Corporate Securities
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 7,576
Less than 12 months: Unrealized Losses	$ (37)
Less than 12 months: Count \| security	13
12 months or more: Fair Value	$ 3,040	$ 3,967
12 months or more: Unrealized Losses	$ (118)	$ (130)
12 months or more: Count \| security	4	5
Fair Value	$ 10,616	$ 3,967
Unrealized Losses	$ (155)	$ (130)
Count \| security	17	5
Agency Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 18,390	$ 21,185
Less than 12 months: Unrealized Losses	$ (101)	$ (185)
Less than 12 months: Count \| security	17	32
12 months or more: Fair Value	$ 3,355	$ 6,555
12 months or more: Unrealized Losses	$ (6)	$ (49)
12 months or more: Count \| security	5	22
Fair Value	$ 21,745	$ 27,740
Unrealized Losses	$ (107)	$ (234)
Count \| security	22	54
Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 1,458	$ 17,644
Less than 12 months: Unrealized Losses	$ (12)	$ (128)
Less than 12 months: Count \| security	2	19
12 months or more: Fair Value	$ 11,452	$ 5,669
12 months or more: Unrealized Losses	$ (153)	$ (177)
12 months or more: Count \| security	15	9
Fair Value	$ 12,910	$ 23,313
Unrealized Losses	$ (165)	$ (305)
Count \| security	17	28

Investments (Other Than Tempora

Investments (Other Than Temporary Impairment, Credit Losses Recognized In Earnings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 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 December 31	$ 272	$ 272

Loans (Narrative) (Details)

Loans (Narrative) (Details)	12 Months Ended
Loans (Narrative) (Details)	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
PPP Program, guarantee percentage	100.00%
PPP program, interest rate	1.00%
Minimum [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
PPP Program, maturity period	2 years
Maximum [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
PPP Program, maturity period	5 years

Loans (Schedule Of Loans Outsta

Loans (Schedule Of Loans Outstanding) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,009,704	$ 934,575
Less: Allowance for loan losses	(16,789)	(11,966)
Net Loans	992,915	922,609
Net unamortized deferred PPP loan (fees) costs	8	178
Loans pledged as collateral for borrowings and commitments from: FHLB	840,850	764,340
Loans pledged as collateral for borrowings and commitments from :Federal Reserve Bank	50,605	32,155
Total	891,455	796,495
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	202,584	190,543
Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	16,309	13,323
Less: Allowance for loan losses	(294)	(187)
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	503,977	494,262
Less: Allowance for loan losses	(9,163)	(6,607)
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	281,257	230,007
Less: Allowance for loan losses	(5,679)	(4,021)
Total Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	785,234	724,269
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	5,577	6,440
Less: Allowance for loan losses	(97)	(84)
Consumer First Liens [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	77,373	85,319
Consumer Junior Liens And Lines Of Credit [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	60,935	42,715
Consumer [Member] \| Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	6,751	4,107
Commercial First Lien [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	59,851	57,627
Commercial Junior Liens And Lines Of Credit [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	4,425	4,882
Commercial [Member] \| Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	9,558	9,216
First Liens [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	137,224	142,946
Less: Allowance for loan losses	(555)	(416)
Junior Lines And Lines Of Credit [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	65,360	$ 47,597
PPP [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	52,290
Net unamortized deferred PPP loan (fees) costs	(1,343)
PPP [Member] \| PPP, Two-year Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	5,378
Net unamortized deferred PPP loan (fees) costs	(165)
PPP [Member] \| PPP, Five-year Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	46,912
Net unamortized deferred PPP loan (fees) costs	$ (1,178)

Loans (Schedule Of Loans To Rel

Loans (Schedule Of Loans To Related Parties) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Loans [Abstract]
Balance at beginning of year	$ 10,321	$ 20,489
New loans made	2,401	557
Repayments	(2,118)	(10,725)
Balance at end of year	$ 10,604	$ 10,321

Loan Quality (Narrative) (Detai

Loan Quality (Narrative) (Details) $ in Millions	12 Months Ended
Loan Quality (Narrative) (Details) $ in Millions	Dec. 31, 2020USD ($)contract	Jun. 30, 2020USD ($)
Loan Quality [Abstract]
Loan deferrals or modifications	$ 68	$ 196
Percent of loans deferred or modified	7.00%	19.00%
Amount of deferred or modified loans, interest, amount	$ 53.9
Amount of deferred or modified loans, interest only payment, amount	5.6
Amount of deferred or modified loans, principal and interest, amount	$ 8
New During Period, Number of Contracts \| contract	0

Loan Quality (Allowance For Loa

Loan Quality (Allowance For Loan Losses, By Loan Segment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	$ 11,966	$ 12,415
Charge-offs	(645)	(969)
Recoveries	843	283
Provision	4,625	237
Allowance, Ending Balance	16,789	11,966
Loans evaluated for allowance individually	17,253	12,176
Loans evaluated for allowance collectively	992,451	922,399
Total Loans	1,009,704	934,575
Allowance established for loans evaluated individually	228
Allowance established for loan evaluated collectively	16,561	11,966
Total Allowance	16,789	11,966
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans	202,584	190,543
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	187	110
Charge-offs		(123)
Provision	107	200
Allowance, Ending Balance	294	187
Loans evaluated for allowance individually	512	523
Loans evaluated for allowance collectively	15,797	12,800
Total Loans	16,309	13,323
Allowance established for loan evaluated collectively	294	187
Total Allowance	294	187
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	6,607	6,278
Charge-offs	(55)	(564)
Recoveries	545	72
Provision	2,066	821
Allowance, Ending Balance	9,163	6,607
Loans evaluated for allowance individually	16,104	10,994
Loans evaluated for allowance collectively	487,873	483,268
Total Loans	503,977	494,262
Allowance established for loans evaluated individually	228
Allowance established for loan evaluated collectively	8,935	6,607
Total Allowance	9,163	6,607
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	4,021	4,783
Charge-offs	(463)	(93)
Recoveries	268	170
Provision	1,853	(839)
Allowance, Ending Balance	5,679	4,021
Loans evaluated for allowance collectively	281,257	230,007
Total Loans	281,257	230,007
Allowance established for loan evaluated collectively	5,679	4,021
Total Allowance	5,679	4,021
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	84	70
Charge-offs	(117)	(125)
Recoveries	26	35
Provision	104	104
Allowance, Ending Balance	97	84
Loans evaluated for allowance collectively	5,577	6,440
Total Loans	5,577	6,440
Allowance established for loan evaluated collectively	97	84
Total Allowance	97	84
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	532	550
Provision	243	(18)
Allowance, Ending Balance	775	532
Allowance established for loan evaluated collectively	775	532
Total Allowance	775	532
First Liens [Member] \| Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	416	491
Charge-offs		(52)
Recoveries	4	5
Provision	135	(28)
Allowance, Ending Balance	555	416
Loans evaluated for allowance individually	637	659
Loans evaluated for allowance collectively	136,587	142,287
Total Loans	137,224	142,946
Allowance established for loan evaluated collectively	555	416
Total Allowance	555	416
Junior Liens & Lines Of Credit [Member] \| Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	119	133
Charge-offs	(10)	(12)
Recoveries		1
Provision	117	(3)
Allowance, Ending Balance	226	119
Loans evaluated for allowance collectively	65,360	47,597
Total Loans	65,360	47,597
Allowance established for loan evaluated collectively	226	119
Total Allowance	$ 226	$ 119

Loan Quality (Impaired Financin

Loan Quality (Impaired Financing Receivables) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	$ 11,551	$ 12,176
Unpaid Principal Balance With No Allowance	12,473	13,484
Recorded Investment With Allowance	5,702
Unpaid Principal Balance With Allowance	5,702
Related Allowance	228
Average Recorded Investment	15,005	14,606
Interest Income Recognized	430	436
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	637	659
Unpaid Principal Balance With No Allowance	637	659
Average Recorded Investment	648	668
Interest Income Recognized	40	39
Residential Real Estate [Member] \| First Liens [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	637	659
Unpaid Principal Balance With No Allowance	637	659
Average Recorded Investment	648	668
Interest Income Recognized	40	39
Residential Real Estate - Construction [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	512	523
Unpaid Principal Balance With No Allowance	729	729
Average Recorded Investment	518	619
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	10,402	10,994
Unpaid Principal Balance With No Allowance	11,107	12,096
Recorded Investment With Allowance	5,702
Unpaid Principal Balance With Allowance	5,702
Related Allowance	228
Average Recorded Investment	13,839	13,319
Interest Income Recognized	$ 390	$ 397

Loan Quality (Aging Of Payments

Loan Quality (Aging Of Payments Of The Loan Portfolio) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 1,000,129	$ 928,233
Loans Past Due and Still Accruing	871	2,514
Non-accrual loans	8,704	3,828
Total Loans	1,009,704	934,575
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	489	1,585
60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	344	852
90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	38	77
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	202,268	189,263
Loans Past Due and Still Accruing	265	1,181
Non-accrual loans	51	99
Total Loans	202,584	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	158	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	81	388
Residential Real Estate [Member] \| 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	26	77
Residential Real Estate [Member] \| First Liens [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	137,056	141,843
Loans Past Due and Still Accruing	127	1,035
Non-accrual loans	41	68
Total Loans	137,224	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	43	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	58	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	26	31
Residential Real Estate [Member] \| Junior Liens & Lines Of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	65,212	47,420
Loans Past Due and Still Accruing	138	146
Non-accrual loans	10	31
Total Loans	65,360	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	115	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	23	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		46
Residential Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	15,797	12,800
Non-accrual loans	512	523
Total Loans	16,309	13,323
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	495,609	490,114
Loans Past Due and Still Accruing	335	1,139
Non-accrual loans	8,033	3,009
Total Loans	503,977	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	74	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	261	326
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	280,930	229,659
Loans Past Due and Still Accruing	219	151
Non-accrual loans	108	197
Total Loans	281,257	230,007
Commercial [Member] \| 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	219	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	5,525	6,397
Loans Past Due and Still Accruing	52	43
Total Loans	5,577	6,440
Consumer [Member] \| 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	38	25
Consumer [Member] \| 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	2	$ 18
Consumer [Member] \| 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	$ 12

Loan Quality (Internal Credit R

Loan Quality (Internal Credit Rating For The Loan Portfolio) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	$ 1,009,704	$ 934,575
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	943,618	922,950
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	46,645	5,879
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	19,441	5,746
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	202,584	190,543
Residential Real Estate [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	202,506	190,367
Residential Real Estate [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	78	176
Residential Real Estate [Member] \| First Liens [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	137,224	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	137,156	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	68	99
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	65,360	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	65,350	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	10	77
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	16,309	13,323
Residential Real Estate - Construction [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	15,797	12,800
Residential Real Estate - Construction [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	512	523
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	503,977	494,262
Commercial Real Estate [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	449,478	483,878
Commercial Real Estate [Member] \| Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	35,947	5,875
Commercial Real Estate [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	18,552	4,509
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	281,257	230,007
Commercial [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	270,272	229,465
Commercial [Member] \| Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	10,698	4
Commercial [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	287	538
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	5,577	6,440
Consumer [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	5,565	$ 6,440
Consumer [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	$ 12

Loan Quality (Troubled Debt Res

Loan Quality (Troubled Debt Restructuring Loans) (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2020USD ($)itemcontract	Dec. 31, 2019USD ($)contract
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts \| contract		19	16
Troubled Debt Restructurings: Recorded Investment		$ 11,011	$ 10,446
Troubled Debt Restructurings, New During Period, Number of Contracts \| item		3
New During Period, Pre-TDR Modification		$ 1,076
New During Period, After-TDR Modification		1,076
New During Period, Recorded Investment		1,119
Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	10,803	$ 10,446
Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 208
Residential Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts \| contract		1	1
Troubled Debt Restructurings: Recorded Investment		$ 434	$ 444
Residential Real Estate - Construction [Member] \| Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 434	$ 444
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts \| contract		4	4
Troubled Debt Restructurings: Recorded Investment		$ 637	$ 659
Residential Real Estate [Member] \| Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 637	$ 659
Commercial Real Estate - Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts \| contract		4
Troubled Debt Restructurings: Recorded Investment		$ 1,224
Troubled Debt Restructurings, New During Period, Number of Contracts \| item		2
New During Period, Pre-TDR Modification		$ 426
New During Period, After-TDR Modification		426
New During Period, Recorded Investment		425
Commercial Real Estate - Owner Occupied [Member] \| Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 1,224
Commercial Real Estate - Farm Land [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts \| contract		6
Troubled Debt Restructurings: Recorded Investment		$ 2,257
Troubled Debt Restructurings, New During Period, Number of Contracts \| item		1
New During Period, Pre-TDR Modification		$ 650
New During Period, After-TDR Modification		650
New During Period, Recorded Investment		694
Commercial Real Estate - Farm Land [Member] \| Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 2,257
Commercial Real Estate - Construction And Land [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts \| contract		2
Troubled Debt Restructurings: Recorded Investment		$ 6,129
Commercial Real Estate - Construction And Land [Member] \| Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 6,129
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts \| contract		2	2
Troubled Debt Restructurings: Recorded Investment		$ 330	$ 364
Commercial Real Estate [Member] \| Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	122	$ 364
Commercial Real Estate [Member] \| Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 208

[1]	The performing status is determined by the loan’s compliance with the modified terms.

Premises And Equipment (Premise

Premises And Equipment (Premises And Equipment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Total cost	$ 41,452	$ 41,356
Less: Accumulated depreciation	(28,347)	(27,505)
Net premises and equipment	13,105	13,851
Land [Member]
Property, Plant and Equipment [Line Items]
Total cost	3,337	3,218
Building and leasehold improvements [Member]
Property, Plant and Equipment [Line Items]
Total cost	24,841	24,713
Furniture, fixtures and equipment [Member]
Property, Plant and Equipment [Line Items]
Total cost	$ 13,274	$ 13,425
Maximum [Member] \| Building and leasehold improvements [Member]
Property, Plant and Equipment [Line Items]
Estimated Life	30 years
Maximum [Member] \| Furniture, fixtures and equipment [Member]
Property, Plant and Equipment [Line Items]
Estimated Life	10 years
Minimum [Member] \| Building and leasehold improvements [Member]
Property, Plant and Equipment [Line Items]
Estimated Life	15 years
Minimum [Member] \| Furniture, fixtures and equipment [Member]
Property, Plant and Equipment [Line Items]
Estimated Life	3 years

Premises And Equipment (Schedul

Premises And Equipment (Schedule Of Depreciation And Rent Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Premises And Equipment [Abstract]
Depreciation expense	$ 1,230	$ 1,259

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Jan. 01, 2019
Right of use asset	$ 5,272	$ 5,126
Lease liability	$ 5,332	$ 5,161
Accounting Standards Update 2016-02 [Member]
Right of use asset			$ 6,200
Lease liability			$ 6,200

Leases (Schedule Of Lease Costs

Leases (Schedule Of Lease Costs) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
Operating lease cost	$ 615	$ 615
Short-term lease cost	7	7
Variable lease cost	49	48
Total lease cost	$ 671	$ 670

Leases (Schedule Of Measurement

Leases (Schedule Of Measurement Of Lease Liabilities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
Operating cash flows from operating leases	$ 590	$ 580
Weighted-average remaining lease term (years)	12 years 4 months 9 days	13 years 2 months 19 days
Weighted-average discount rate	3.54%	3.55%

Leases (Schedule Of Future Mini

Leases (Schedule Of Future Minimum Payments Operating Leases) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
2021	$ 642
2022	640
2023	650
2024	628
2025	588
2026 and beyond	3,396
Undiscounted cash flow	6,544
Imputed Interest	(1,212)
Total lease liability	$ 5,332	$ 5,161

Other Real Estate Owned (Detail

Other Real Estate Owned (Details) $ in Thousands	12 Months Ended
Other Real Estate Owned (Details) $ in Thousands	Dec. 31, 2019USD ($)
Other Real Estate Owned [Abstract]
Balance at beginning of the period	$ 2,684
Additions	80
Proceeds from dispositions	(3,065)
Gains on sales, net	326
Valuation adjustment	(25)
Balance at the end of the period

Goodwill (Narrative) (Details)

Goodwill (Narrative) (Details) - USD ($)	12 Months Ended
Goodwill (Narrative) (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Goodwill [Abstract]
Goodwill	$ 9,016,000	$ 9,016,000
Estimated fair value, goodwill impairment carrying value percentage	24.00%
Goodwill impaired		$ 0

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Deposits [Abstract]
Time deposits greater than $250,000	$ 8.8	$ 11.5
Deposits of directors and executive officers and related interests and affiliated enterprises	$ 6.6	$ 1.8

Deposits (Schedule Of Deposits)

Deposits (Schedule Of Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deposits [Abstract]
Noninterest-bearing checking	$ 259,060	$ 192,108
Interest-bearing checking	409,178	331,886
Money Management	501,017	429,199
Savings	109,153	82,851
Total interest-bearing checking and savings	1,019,348	843,936
Brokered time deposits	76,165	89,348
Total time deposits	76,165	89,348
Total deposits	1,354,573	1,125,392
Overdrawn deposit accounts reclassified as loans	$ 86	$ 153

Deposits (Maturities Of Time De

Deposits (Maturities Of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deposits [Line Items]
Total time deposits	$ 76,165	$ 89,348
Retail Time Deposits [Member]
Deposits [Line Items]
2021	57,061
2022	11,732
2023	4,316
2024	1,394
2025	1,662
Total time deposits	$ 76,165

Other Borrowings (Details)

Other Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
Other Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2020
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Maximum borrowing capacity with the FHLB		$ 387,700
Available through federal reserve discount window		26,000
Unsecured line of credit		$ 21,000
FHLB Open Repo [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Maximum month-end balance during the year	$ 4,500
Average balance during the year	$ 1,335
Weighted average interest rate during the year	2.60%

Subordinated Debt (Narrative) (

Subordinated Debt (Narrative) (Details)	12 Months Ended
Subordinated Debt (Narrative) (Details)	Dec. 31, 2020USD ($)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Subordinate notes	$ 19,555,000
Redemption period	5 years
Maximum borrowing capacity with the FHLB	$ 387,700,000
Amount available to borrow at year-end	387,700,000
Unsecured line of credit	21,000,000
Available through federal reserve discount window	$ 26,000,000
Through September 1, 2025 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Interest rate	5.00%
Subordinated Debt [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Debt instrument, face amount	$ 20,000,000
Debt issuance costs	$ 445,300,000
Redemption period	5 years
Subordinated Debt [Member] \| Maturing September 1, 2030 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Debt instrument, face amount	$ 15,000,000
Amortization period	5 years
Subordinated Debt [Member] \| Maturing September 1, 2030 [Member] \| Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Basis spread on variable rate	4.93%
Subordinated Debt [Member] \| Maturing September 1, 2035 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Debt instrument, face amount	$ 5,000,000
Amortization period	10 years
Subordinated Debt [Member] \| Maturing September 1, 2035 [Member] \| Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Basis spread on variable rate	4.92%
Subordinated Debt [Member] \| Through September 1, 2025 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Debt instrument, face amount	$ 15,000,000
Subordinated Debt [Member] \| Through September 1, 2030 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Debt instrument, face amount	$ 5,000,000
Interest rate	5.25%

Federal Income Taxes (Narrative

Federal Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
Federal Income Taxes (Narrative) (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Federal Income Taxes [Abstract]
Federal corporate income tax rate	21.00%	21.00%
Uncertain tax positions	$ 0

Federal Income Taxes (Schedule

Federal Income Taxes (Schedule Of Deferred Tax Assets And Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deferred Tax Assets
Allowance for loan losses	$ 3,561	$ 2,532
Deferred compensation	761	762
Purchase accounting	17	16
Other than temporary impairment of investments	58	58
Lease liabilities	1,131	1,092
Accumulated other comprehensive loss		1,591
Other	581	580
Deferred Tax Assets, Gross, Total	6,109	6,631
Valuation allowance	(58)	(58)
Total gross deferred tax assets	6,051	6,573
Deferred Tax Liabilities
Depreciation	464	309
Right-of-use asset	1,118	1,084
Joint ventures and partnerships	55	46
Pension	1,163	1,093
Accumulated other comprehensive gain	848
Deferred loan fees and costs, net	2	38
Total gross deferred tax liabilities	3,650	2,570
Net deferred tax asset	$ 2,401	$ 4,003

Federal Income Taxes (Schedul_2

Federal Income Taxes (Schedule Of Components Of Income Tax Expense (Benefit)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Federal Income Taxes [Abstract]
Current tax expense (benefit)	$ 2,210	$ 996
Tax benefit NOL carryback	(1,113)
Deferred tax expense (benefit)	(839)	1,884
Income tax provision	$ 258	$ 2,880

Federal Income Taxes (Schedul_3

Federal Income Taxes (Schedule Of Effective Income Tax Rate Reconciliation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Federal Income Taxes [Abstract]
Tax provision at statutory rate (34%)	$ 2,747	$ 3,992
Income on tax-exempt loans and securities	(1,144)	(1,134)
Tax benefit NOL carryback	(1,113)
Nondeductible interest expense relating to carrying tax-exempt obligations	43	45
Income from bank owned life insurance	(269)	(148)
Other, net	(6)	125
Income tax provision	$ 258	$ 2,880
Effective income tax rate	2.00%	15.20%
Statutory rate	21.00%	21.00%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	$ 127,528	$ 118,396
Balance	145,176	127,528
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, net of tax	9,769	1,257
Amounts reclassified from accumulated other comprehensive income, net of tax	(23)	(202)
Current period other comprehensive income	9,746	1,055
Balance	9,931	185
Defined Benefit Pension Items [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(6,171)	(5,510)
Other comprehensive income before reclassification, net of tax	(1,284)	(1,097)
Amounts reclassified from accumulated other comprehensive income, net of tax	714	436
Current period other comprehensive income	(570)	(661)
Balance	(6,741)	(6,171)
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(5,986)	(6,380)
Other comprehensive income before reclassification, net of tax	8,485	160
Amounts reclassified from accumulated other comprehensive income, net of tax	691	234
Current period other comprehensive income	9,176	394
Balance	$ 3,190	$ (5,986)

Financial Derivatives (Schedule

Financial Derivatives (Schedule Of Fair Value Of Derivative Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Derivatives, Fair Value [Line Items]
Fair Value	$ 40	$ 19
Other Contracts [Member] \| Not Designated as Hedging Instrument [Member] \| Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Notional Amount	6,836	7,011
Fair Value	$ 40	$ 19

Financial Derivatives (Schedu_2

Financial Derivatives (Schedule Of Effect Of Derivative Instruments On The Statement Of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Derivative Instruments, Gain (Loss) [Line Items]
Fair value of derivatives in net liability	$ 40
Other Contracts [Member] \| Other Income (Expense) [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivatives	$ (21)	$ 165

Benefit Plans (Narrative) (Deta

Benefit Plans (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Benefit Plans [Abstract]
Term of service completed before eligible for coverage		4 months
Employer Matching Contribution, Percent of Match	100.00%
Maximum Annual Contributions Per Employee, Percent	4.00%
Additional Employer Matching Contribution Percent Of Deferral Match From Eligible Compensation	50.00%
Maximum Additional Annual Contributions Per Employee Deferral Percent	2.00%
Employer Discretionary Contribution Percent	100.00%
Maximum Discretionary Profit Sharing Percent Of Eligible Compensation	2.00%
Related plan expense	$ 869	$ 825
Defined Benefit Plan, Gain (Loss), Net Periodic Benefit Cost (Credit)	$ 1,100

Benefit Plans (Schedule Of Plan

Benefit Plans (Schedule Of Plan's Funded Status And Assumptions Used) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Benefit Plans [Abstract]
Benefit obligation at beginning of measurement year	$ 20,779	$ 17,937
Service cost	332	325
Interest cost	525	631
Actuarial loss	2,275	2,727
Benefits paid	(1,400)	(841)
Benefit obligation at end of measurement year	22,511	20,779
Fair value of plan assets at beginning of measurement year	18,135	16,549
Actual return on plan assets net of expenses	1,727	2,427
Employer contribution	1,000
Benefits paid	(1,400)	(841)
Fair value of plan assets at end of measurement year	19,462	18,135
Defined Benefit Plan, Funded Status of Plan, Total	$ (3,049)	$ (2,644)
Assumptions used to determine benefit obligations: Discount rate	2.33%	3.13%
Assumptions used to determine benefit obligations: Rate of compensation increase	4.00%	4.00%

Benefit Plans (Schedule Of Amou

Benefit Plans (Schedule Of Amounts Recognized In Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Benefit Plans [Abstract]
Net actuarial loss	$ (8,533)	$ (7,812)
Tax effect	1,792	1,641
Net amount recognized in accumulated other comprehensive loss	$ 6,741	$ 6,171

Benefit Plans (Schedule Of Net

Benefit Plans (Schedule Of Net Benefit Costs) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Benefit Plans [Abstract]
Service cost	$ 332	$ 325
Interest cost	525	631
Expected return on plan assets	(1,079)	(1,087)
Recognized net actuarial loss	904	552
Total pension expense	$ 682	$ 421

Benefit Plans (Schedule Of Assu

Benefit Plans (Schedule Of Assumptions Used) (Details)	12 Months Ended
Benefit Plans (Schedule Of Assumptions Used) (Details)	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Assumptions used to determine benefit obligations: Discount rate	2.33%	3.13%
Assumptions used to determine benefit obligations: Rate of compensation increase	4.00%	4.00%
Assumptions used to determine net periodic benefit cost: Discount rate	3.13%	4.15%
Assumptions used to determine net periodic benefit cost: Expected long-term return on plan assets	6.50%	6.50%
Assumptions used to determine net periodic benefit cost: Rate of compensation increase	4.00%	4.00%
Asset allocations as of measurement date:	100.00%	100.00%
Cash and Cash Equivalents [Member]
Defined Benefit Plan Disclosure [Line Items]
Asset allocations as of measurement date:	12.00%	4.00%
Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Asset allocations as of measurement date:	22.00%	21.00%
Corporate Debt Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Asset allocations as of measurement date:	13.00%	13.00%
Municipal Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Asset allocations as of measurement date:	26.00%	35.00%
Investment Fund-Debt [Member]
Defined Benefit Plan Disclosure [Line Items]
Asset allocations as of measurement date:	9.00%	9.00%
Investment Fund-Equity [Member]
Defined Benefit Plan Disclosure [Line Items]
Asset allocations as of measurement date:	12.00%	10.00%
Deposit In Immediate Participation Guarantee Contract [Member]
Defined Benefit Plan Disclosure [Line Items]
Asset allocations as of measurement date:	6.00%	6.00%
Other Defined Benefit Plan Assets [Member]
Defined Benefit Plan Disclosure [Line Items]
Asset allocations as of measurement date:	0.00%	2.00%

Benefit Plans (Schedule Of Am_2

Benefit Plans (Schedule Of Amount Recognized In Balance Sheet) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	$ 19,462	$ 18,135	$ 16,549
Fair Value [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	19,462	18,135
Cash and Cash Equivalents [Member] \| Fair Value [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	2,305	808
Equity Securities [Member] \| Fair Value [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	4,236	3,717
Corporate Debt Securities [Member] \| Fair Value [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	2,581	2,406
Municipal Securities [Member] \| Fair Value [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	5,066	6,266
Investment Fund-Debt [Member] \| Fair Value [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	1,757	1,605
Investment Fund-Equity [Member] \| Fair Value [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	2,252	1,875
Cash Value Of Life Insurance [Member] \| Fair Value [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	1,187	1,129
Deposit In Immediate Participation Guarantee Contract [Member] \| Fair Value [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	28	28
Other Defined Benefit Plan Assets [Member] \| Fair Value [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	50	301
Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	9,980	7,529
Level 1 [Member] \| Cash and Cash Equivalents [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	2,305	808
Level 1 [Member] \| Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	4,236	3,717
Level 1 [Member] \| Investment Fund-Equity [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	2,252	1,875
Level 1 [Member] \| Cash Value Of Life Insurance [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	1,187	1,129
Level 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	9,454	10,578
Level 2 [Member] \| Corporate Debt Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	2,581	2,406
Level 2 [Member] \| Municipal Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	5,066	6,266
Level 2 [Member] \| Investment Fund-Debt [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	1,757	1,605
Level 2 [Member] \| Other Defined Benefit Plan Assets [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	50	301
Significant Unobservable Inputs (Level 3) [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	28	28
Significant Unobservable Inputs (Level 3) [Member] \| Deposit In Immediate Participation Guarantee Contract [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Fair Value of Plan Assets	$ 28	$ 28

Benefit Plans (Schedule Of Chan

Benefit Plans (Schedule Of Changes In Fair Value Of Plan Assets) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Benefit Plans [Abstract]
Balance	$ 28	$ 25
Unrealized gain (loss) relating to investments held at the reporting date		3
Purchases, sales, issuances and settlement, net
Balance	$ 28	$ 28

Benefit Plans (Schedule Of Expe

Benefit Plans (Schedule Of Expected Benefit Payments) (Details) $ in Thousands	Dec. 31, 2020USD ($)
Benefit Plans [Abstract]
2021	$ 2,267
2022	1,293
2023	1,104
2024	1,037
2025	1,431
2026-2030	6,685
Total	$ 13,817

Stock Based Compensation (Narra

Stock Based Compensation (Narrative) (Details) - USD ($)	12 Months Ended
Stock Based Compensation (Narrative) (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2004
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for issuance		400,000
Unrecognized compensation expense, options	$ 0
Term of service completed before eligible for coverage		4 months
ESPP [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for issuance			250,000
Minimum percent of fair value market option price	90.00%
Expiration date, maximum term from grant date, in years	1 year
Grant price, percent of the stock's fair value at the time of award	95.00%
ISOP [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period, in years	10
Shares issued		0
Restricted Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 197,000	$ 0
Unrecognized compensation expense, restriced	$ 244,000
Restricted Plan [Member] \| Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Term of service completed before eligible for coverage	1 year
Restricted Plan [Member] \| Other Eligible Employees [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Term of service completed before eligible for coverage	3 years

Stock Based Compensation (Sched

Stock Based Compensation (Schedule Of Share-based Compensation, Stock Options, Activity) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for fututre grants	293,090
ESPP [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Balance Outstanding	19,111	18,378
Granted	32,209	19,644
Exercised	(753)	(2,270)
Expired	(20,882)	(16,641)
Balance Outstanding	29,685	19,111
Weighted Average Price Per Share: Balance Outstanding	$ 36.21	$ 32.73
Weighted Average Price Per Share: Granted	24.19	36.21
Weighted Average Price Per Share: Exercised	25.32	32.75
Weighted Average Price Per Share: Expired	35.15	32.84
Weighted Average Price Per Share: Balance Outstanding	$ 24.19	$ 36.21
Aggregate Intrinsic Value	$ 84	$ 47
Number of shares available for fututre grants	181,954
ISOP [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Balance Outstanding	92,979	104,011
Granted
Exercised	(625)	(8,482)
Forfeited		(2,550)
Balance Outstanding	92,354	92,979
Weighted Average Price Per Share: Balance Outstanding	$ 28.55	$ 28.22
Weighted Average Price Per Share: Granted
Weighted Average Price Per Share: Exercised		22.82
Weighted Average Price Per Share: Expired	27.62
Weighted Average Price Per Share: Forfeited		34.10
Weighted Average Price Per Share: Balance Outstanding	$ 28.55	$ 28.55
Aggregate Intrinsic Value		$ 943	$ 341
Restricted Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Balance Outstanding
Granted	14,921
Vested	(398)
Forfeited	(990)
Balance Outstanding	13,533
Weighted Average Price Per Share: Balance Outstanding
Weighted Average Price Per Share: Granted	31.02
Weighted Average Price Per Share: Vested	31.02
Weighted Average Price Per Share: Forfeited	31.02
Weighted Average Price Per Share: Balance Outstanding	$ 31.02

Stock Based Compensation (Share

Stock Based Compensation (Share-based Compensation Arrangement By Share-based Payment Award, Options, Vested And Expected To Vest, Outstanding And Exercisable) (Details)	12 Months Ended
	Dec. 31, 2020$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding and Exercisable \| shares	92,354
ESPP [Member] \| Exercise Price Or Price Range One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding and Exercisable \| shares	29,685
Weighted Average Exercise Price	$ 24.19
Weighted Average Remaining Life (years)	6 months
ISOP [Member] \| Exercise Price Or Price Range One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding and Exercisable \| shares	20,200
Weighted Average Exercise Price	$ 21.27
Weighted Average Remaining Life (years)	5 years 2 months 12 days
ISOP [Member] \| Exercise Price Or Price Range Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding and Exercisable \| shares	10,850
Weighted Average Exercise Price	$ 22.05
Weighted Average Remaining Life (years)	4 years 2 months 12 days
ISOP [Member] \| Exercise Price Or Price Range Three [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding and Exercisable \| shares	61,304
Price Range, Lower Range Limit	$ 30
Price Range, Upper Range Limit	34.10
Weighted Average Exercise Price	$ 32.11
Weighted Average Remaining Life (years)	6 years 8 months 12 days

Stock Based Compensation (Valua

Stock Based Compensation (Valuation Assumptions Using Black-Scholes Method) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total compensation expense included in net income	$ 197
ESPP [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options granted	32,209	19,644
ISOP [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options granted

Deferred Compensation Agreeme_2

Deferred Compensation Agreement (Narrative) (Details) - Fulton Bancshares Corporation [Member]	12 Months Ended
	Dec. 31, 2020USD ($)
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Obligation under deferred compensation agreements	$ 23,000
Expected future deferred compensation expenses	$ 0

Shareholders' Equity (Narrative

Shareholders' Equity (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Equity, Class of Treasury Stock [Line Items]
Common Stock, Par or Stated Value Per Share	$ 1	$ 1
Repurchase plan period, in years	1 year
Shares acquired		400,000
Shares held at cost	321,517	357,096
Common stock shares authorized	15,000,000	15,000,000
Dividend Reinvestment Plan (DRIP) [Member]
Equity, Class of Treasury Stock [Line Items]
Common stock shares authorized	1,000,000
Addition to capital from dividend reinvestment plan	$ 1,800
Shares purchased through DRIP, shares	71,227
Dividend Reinvestment plan shares remain to be issues	389,704
Dividend Reinvestment Plan (DRIP) - Quarterly Dividends [Member]
Equity, Class of Treasury Stock [Line Items]
Addition to capital from dividend reinvestment plan	$ 868
Dividend Reinvestment Plan (DRIP) - Optional Cash Contributions [Member]
Equity, Class of Treasury Stock [Line Items]
Addition to capital from dividend reinvestment plan	$ 968

Shareholders' Equity (Schedule

Shareholders' Equity (Schedule Of Stock Repurchase Activity) (Details) - shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
9/12/2019 [Member]
Equity, Class of Treasury Stock [Line Items]
Shares Authorized	150,000
Shares Repurchased	36,401	3,078
12/17/2020 [Member]
Equity, Class of Treasury Stock [Line Items]
Shares Authorized	150,000

Commitments And Contingencies_2

Commitments And Contingencies (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2020
Commitments And Contingencies [Abstract]
Standby letters of credit extension period, in years		1 year
Allowance against letters of credit	$ 2,400
Letters of credit cancelled		$ 250
Accrued settlement payment		$ 2,100

Commitments And Contingencies_3

Commitments And Contingencies (Outstanding Commitments ) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Commercial Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 280,939	$ 248,251
Consumer Commitments To Extend Credit (Secured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	71,761	56,898
Consumer Commitments To Extend Credit (Unsecured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	5,224	5,088
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	357,924	310,237
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 22,334	$ 26,382

Fair Value Measurements And F_3

Fair Value Measurements And Fair Values Of Financial Instruments (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Total liabilities	$ 40	$ 19
Assets, Fair Value Disclosure	397,331	187,873
Fair Value, Nonrecurring [Member]
Assets, Fair Value Disclosure	$ 5,474	$ 1,080	[1]

[1]	Includes assets directly charged down to fair value during the year-to-date period.

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	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	$ 391	$ 440
Available for sale	396,940	187,433
Total assets	397,331	187,873
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	391	440
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	396,940	187,433
Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	391	440
Equity Securities [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	391	440
U.S. Government And Agency Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	12,574	8,428
U.S. Government And Agency Securities [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	12,574	8,428
Municipal Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	247,054	91,286
Municipal Securities [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	247,054	91,286
Trust Preferred And Corporate Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	20,288	3,967
Trust Preferred And Corporate Securities \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	20,288	3,967
Agency Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	72,241	58,704
Agency Mortgage-Backed Securities [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	72,241	58,704
Private-Label Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	8,453	429
Private-Label Mortgage-Backed Securities [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	8,453	429
Asset-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	36,330	24,619
Asset-Backed Securities [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	$ 36,330	$ 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) - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		$ 397,331	$ 187,873
Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		5,474	1,080	[1]
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		391	440
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		396,940	187,433
Significant Unobservable Inputs (Level 3) [Member] \| Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		5,474	1,080	[1]
Impaired Loans [Member] \| Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	[1]	5,474	1,080
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		5,474	1,080
Impaired Loans [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	[1]	$ 5,474	$ 1,080

[1]	Includes assets directly charged down to fair value during the year-to-date period.

Fair Value Measurements And F_6

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value Inputs, Assets, Quantitative Information) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 397,331	$ 187,873
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	$ 5,474	$ 1,080
Impaired Loans [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Cost To Sell [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	8.00%
Impaired Loans [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Minimum [Member] \| Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	0.00%
Impaired Loans [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Minimum [Member] \| Cost To Sell [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage		0.00%
Impaired Loans [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Maximum [Member] \| Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	100.00%
Impaired Loans [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Maximum [Member] \| Cost To Sell [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage		100.00%
Impaired Loans [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Weighted Average [Member] \| Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	66.00%
Impaired Loans [Member] \| Significant Unobservable Inputs (Level 3) [Member] \| Weighted Average [Member] \| Cost To Sell [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	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt securities available for sale, at fair value	$ 396,940	$ 187,433
Equity securities, at fair value	391	440
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	57,146	83,828
Long-term interest-bearing deposits in other banks	12,741	8,746
Loans held for sale	9,446	2,040
Net loans	992,915	922,609
Accrued interest receivable	6,410	3,845
Deposits	1,354,573	1,125,392
Accrued interest payable	180	436
Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	57,146	83,828
Long-term interest-bearing deposits in other banks	12,741	8,746
Loans held for sale	9,446	2,040
Net loans	990,867	918,640
Accrued interest receivable	6,410	3,845
Deposits	1,355,086	1,125,887
Accrued interest payable	180	436
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	57,146	83,828
Long-term interest-bearing deposits in other banks	12,741	8,746
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	9,446	2,040
Deposits	1,355,086	1,125,887
Accrued interest payable	180	436
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Net loans	990,867	918,640
Accrued interest receivable	$ 6,410	$ 3,845

Parent Company (Franklin Fina_3

Parent Company (Franklin Financial Services Corporation) Financial Information (Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Condensed Financial Statements, Captions [Line Items]
Cash and cash equivalents	$ 57,146	$ 83,828	$ 52,957
Other assets	12,909	7,852
Total assets	1,535,038	1,269,157
Other Liabilities	10,402	11,076
Total liabilities	1,389,862	1,141,629
Shareholders' equity	145,176	127,528	118,396
Total liabilities and shareholders' equity	1,535,038	1,269,157
Franklin Financial Services Corporation [Member]
Condensed Financial Statements, Captions [Line Items]
Cash and cash equivalents	20,109	164	$ 108
Investment securities	391	440
Equity investment in subsidiaries	142,949	126,069
Other assets	1,282	859
Total assets	164,731	127,532
Other Liabilities	19,555	4
Total liabilities	19,555	4
Shareholders' equity	145,176	127,528
Total liabilities and shareholders' equity	$ 164,731	$ 127,532

Parent Company (Franklin Fina_4

Parent Company (Franklin Financial Services Corporation) Financial Information (Statements Of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Condensed Financial Statements, Captions [Line Items]
Change in fair value of equity securities	$ (49)	$ 66
Other income	111	644
Interest expense	3,978	7,113
Income before federal income taxes	13,058	18,995
Income tax benefit	(258)	(2,880)
Net income	12,800	16,115
Total other comprehensive income (loss)	9,176	394
Total Comprehensive Income	21,976	16,509
Franklin Financial Services Corporation [Member]
Condensed Financial Statements, Captions [Line Items]
Dividends from Bank subsidiary	6,639	8,710
Change in fair value of equity securities	(50)	66
Income	6,589	8,776
Interest expense	427
Operating expenses	1,473	1,176
Income before federal income taxes	4,689	7,600
Income tax benefit	409	867
Equity in undistributed income of subsidiaries	7,702	7,648
Net income	12,800	16,115
Total other comprehensive income (loss)	9,176	394
Total Comprehensive Income	$ 21,976	$ 16,509

Parent Company (Franklin Fina_5

Parent Company (Franklin Financial Services Corporation) Financial Information (Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Condensed Financial Statements, Captions [Line Items]
Net income	$ 12,800	$ 16,115
Adjustments to reconcile net income to net cash provided by operating activities:
Stock option compensation	197
Deferred tax (benefit) expense	(839)	1,884
Net cash provided by operating activities	6,435	18,966
Dividends paid	(5,226)	(5,115)
Proceeds from subordinated notes, net of issuance costs	19,541
Cash received from option exercises	36	268
Treasury stock purchase	(1,171)	(3,846)
Net cash provided by financing activities	244,197	35,386
(Decrease) increase in cash and cash equivalents	(26,682)	30,871
Cash and cash equivalents at the beginning of the period	83,828	52,957
Cash and cash equivalents at the end of the period	57,146	83,828
Franklin Financial Services Corporation [Member]
Condensed Financial Statements, Captions [Line Items]
Net income	12,800	16,115
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed loss (income) of subsidiary	(7,702)	(7,648)
Stock option compensation	197
Decrease (increase) in other assets	(366)	(1,034)
Net cash provided by operating activities	4,929	7,433
Dividends paid	(5,226)	(5,115)
Proceeds from subordinated notes, net of issuance costs	19,541
Cash received from option exercises	36	268
Common stock issued under dividend reinvestment plan	1,836	1,316
Treasury stock purchase	(1,171)	(3,846)
Net cash provided by financing activities	15,016	(7,377)
(Decrease) increase in cash and cash equivalents	19,945	56
Cash and cash equivalents at the beginning of the period	164	108
Cash and cash equivalents at the end of the period	$ 20,109	$ 164

Revenue Recognition (Narrative)

Revenue Recognition (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 6,040	$ 6,141
Estate management services Fees recognition period	18 months
Asset Management Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 5,600	5,500
Estate Management Services Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	194	365
Commisions [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 212	$ 234