Franklin Financial Services (FRAF) 10-Q 10 May 21 2021 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2021	Apr. 30, 2021
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2021
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
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
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,419,107
Entity Central Index Key	0000723646
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q1
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 17,117,000	$ 17,059,000
Short-term interest-bearing deposits in other banks	90,505,000	40,087,000
Total cash and cash equivalents	107,622,000	57,146,000
Long-term interest-bearing deposits in other banks	10,995,000	12,741,000
Debt securities available for sale, at fair value	422,178,000	396,940,000
Equity securities	444,000	391,000
Restricted stock	468,000	468,000
Loans held for sale	4,699,000	9,446,000
Loans	1,000,933,000	1,009,704,000
Allowance for loan losses	(16,136,000)	(16,789,000)
Net Loans	984,797,000	992,915,000
Premises and equipment, net	12,971,000	13,105,000
Right of use asset	5,153,000	5,272,000
Bank owned life insurance	22,403,000	22,288,000
Goodwill	9,016,000	9,016,000
Other real estate owned	0	0
Deferred tax asset, net	6,135,000	2,401,000
Other assets	10,678,000	12,909,000
Total assets	1,597,559,000	1,535,038,000
Deposits
Noninterest-bearing checking	290,015,000	259,060,000
Money management, savings and interest checking	1,057,678,000	1,019,348,000
Time	73,349,000	76,165,000
Total deposits	1,421,042,000	1,354,573,000
Subordinate notes	19,564,000	19,555,000
Lease liability	5,225,000	5,332,000
Other liabilities	11,029,000	10,402,000
Total liabilities	1,456,860,000	1,389,862,000
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 4,407,583 shares outstanding at March 31, 2021 and 4,710,872 shares issued and 4,389,355 shares outstanding at December 31, 2020	4,711,000	4,711,000
Capital stock no par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital	42,513,000	42,589,000
Retained earnings	106,032,000	102,520,000
Accumulated other comprehensive income (loss)	(5,166,000)	3,190,000
Treasury stock, 303,289 shares at March 31, 2021 and 321,517 shares at December 31, 2020, at cost	(7,391,000)	(7,834,000)
AOCI, Net of tax amount	140,699,000	145,176,000
Total liabilities and shareholders' equity	$ 1,597,559,000	$ 1,535,038,000

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Mar. 31, 2021	Dec. 31, 2020
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	4,710,872
Common Stock, Shares, Outstanding	4,407,583	4,389,355
Capital stock, no par value	$ 0	$ 0
Capital Stock, Shares Authorized	5,000,000	5,000,000
Capital Stock, Shares, Issued	0	0
Capital Stock, Shares, Outstanding	0	0
Treasury Stock, Shares	303,289	321,517

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Interest income
Loans, including fees	$ 9,381	$ 10,168
Interest and dividends on investments:
Taxable interest	1,623	1,062
Tax exempt interest	532	171
Dividend income	3	6
Interesting-bearing deposits in other banks	53	258
Total interest income	11,592	11,665
Interest expense
Deposits	485	1,413
Subordinate notes	263
Total interest expense	748	1,413
Net interest income	10,844	10,252
(Recovery of) provision for loan losses	(800)	3,000
Net interest income after provision for loan losses	11,644	7,252
Noninterest income
Investment and trust services fees	1,636	1,445
Loan service charges	196	141
Gain on sale of loans	782	144
Deposit service charges and fees	468	565
Other service charges and fees	396	347
Debit card income	517	418
Increase in cash surrender value of life insurance	115	124
Bank owned life insurance gain		812
Net losses on sales of debt securities		(10)
Change in fair value of equity securities	54	(127)
Other	63	30
Total noninterest income	4,227	3,889
Noninterest Expense
Salaries and employee benefits	5,658	5,535
Net occupancy	910	830
Marketing and advertising	345	455
Legal and professional	475	395
Data processing	929	806
Pennsylvania bank shares tax	92	175
FDIC Insurance		60
FDIC Insurance	202
ATM/debit card processing	296	264
Telecommunications	129	105
Nonservice pension	205	88
Other	924	815
Total noninterest expense	10,165	9,528
Income before federal income taxes	5,706	1,613
Federal income tax expense	876	(106)
Net income	$ 4,830	$ 1,719
Per share
Basic earnings per share	$ 1.10	$ 0.40
Diluted earnings per share	$ 1.09	$ 0.39

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 4,830	$ 1,719
Debt Securities:
Unrealized (losses) gains arising during the period	(10,577)	2,048
Reclassification adjustment for losses (gains) included in net income		10
Net unrealized (losses) gains	(10,577)	2,058
Tax effect	2,221	(432)
Net of tax amount	(8,356)	1,626
Total other comprehensive (loss) income	(8,356)	1,626
Total Comprehensive (Loss) Income	$ (3,526)	$ 3,345

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Shareholders' Equity - USD ($)	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, 2019	$ 4,710,000	$ 42,268,000	$ 94,946,000	$ (5,986,000)	$ (8,410,000)	$ 127,528,000
Balance, shares at Dec. 31, 2019	4,352,753
Net income (loss)			1,719,000			1,719,000
Other comprehensive income (loss)				1,626,000		1,626,000
Cash dividends declared, $0.30 per share			(1,306,000)			(1,306,000)
Acquisition of treasury stock					$ (1,172,000)	(1,172,000)
Acquisition of treasury stock, shares					(36,401)
Treasury shares issued under dividend reinvestment plan		75,000			$ 485,000	560,000
Treasury shares issued under dividend reinvestment plan, shares	20,124
Stock Compensation Plans:
Treasury shares issued		1,000			2,000	3,000
Treasury shares issued, shares	71
Common shares issued	$ 1,000	15,000				16,000
Common shares issued, shares	973
Compensation expense		31,000				31,000
Balance at Mar. 31, 2020	$ 4,711,000	42,390,000	95,359,000	(4,360,000)	(9,095,000)	129,005,000
Balance, shares at Mar. 31, 2020	4,337,520
Balance at Dec. 31, 2020	$ 4,711,000	42,589,000	102,520,000	3,190,000	(7,834,000)	$ 145,176,000
Balance, shares at Dec. 31, 2020	4,389,355					4,389,355
Net income (loss)			4,830,000			$ 4,830,000
Other comprehensive income (loss)				(8,356,000)		(8,356,000)
Cash dividends declared, $0.30 per share			(1,318,000)			(1,318,000)
Acquisition of treasury stock					$ (13,000)	(13,000)
Acquisition of treasury stock, shares					(474)
Treasury shares issued under dividend reinvestment plan		40,000			$ 285,000	325,000
Treasury shares issued under dividend reinvestment plan, shares	11,682
Stock Compensation Plans:
Treasury shares issued		(164,000)			171,000	7,000
Treasury shares issued, shares	7,020
Compensation expense		48,000				48,000
Balance at Mar. 31, 2021	$ 4,711,000	$ 42,513,000	$ 106,032,000	$ (5,166,000)	$ (7,391,000)	$ 140,699,000
Balance, shares at Mar. 31, 2021	4,407,583					4,407,583

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Consolidated Statements Of Changes In Shareholders' Equity [Abstract]
Dividend declared per share	$ 0.30	$ 0.30

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($)	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Cash flows from operating activities
Net income	$ 4,830,000	$ 1,719,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	324,000	331,000
Net amortization of loans and investment securities	124,000	340,000
Amortization of subordinate debt issuance costs	10,000
(Recovery of) provision for loan losses	(800,000)	3,000,000
(Increase) decrease in fair value of equity securities	(54,000)	127,000
Debt securities losses, net		10,000
Loans originated for sale	(28,992,000)	(9,223,000)
Proceeds from sale of loans	34,521,000	8,656,000
Gain on sale of loans	(782,000)	(144,000)
Increase in cash surrender value of life insurance	(115,000)	(124,000)
Gain from surrender of life insurance policy		(812,000)
Stock option compensation	48,000	31,000
Decrease (increase) in other assets	668,000	(1,139,000)
Increae (decrease) in other liabilities	667,000	(281,000)
Net cash provided by operating activities	10,449,000	2,491,000
Cash flows from investing activities
Net decrease (increase) in long-term interest-bearing deposits in other banks	1,746,000	(1,992,000)
Proceeds from sales and calls of investment securities available for sale		165,000
Proceeds from maturities and pay-downs of securities available for sale	9,367,000	10,941,000
Purchase of investment securities available for sale	(45,827,000)	(29,974,000)
Net decrease (increase) in loans	9,439,000	(2,077,000)
Capital expenditures	(168,000)	(174,000)
Net cash used in investing activities	(25,443,000)	(23,111,000)
Cash flows from financing activities
Net increase (decrease) in demand deposits, interest-bearing checking, and savings accounts	69,285,000	(2,452,000)
Net decrease in time deposits	(2,816,000)	(5,507,000)
Dividends paid	(1,318,000)	(1,306,000)
Purchase of Treasury shares	(13,000)	(1,172,000)
Cash received from option exercises	7,000	19,000
Treasury shares issued under dividend reinvestment plan	325,000	560,000
Net cash provided by (used in) financing activities	65,470,000	(9,858,000)
Increase (decrease) in cash and cash equivalents	50,476,000	(30,478,000)
Cash and cash equivalents at the beginning of the period	57,146,000	83,828,000
Cash and cash equivalents at the end of the period	107,622,000	53,350,000
Supplemental Disclosures of Cash Flow Information
Cash paid during the year for: Interest on deposits and other borrowed funds	$ 513,000	1,547,000
Noncash Activities
Lease liabilities arising from obtaining right-of-use assets		105,000
Life insurance claim receivable		$ 3,613,000

Basis Of Presentation

Basis Of Presentation	3 Months Ended
	Mar. 31, 2021
Basis Of Presentation [Abstract]
Basis Of Presentation	Note 1. Basis of Presentation The consolidated financial statements include the accounts of Franklin Financial Services Corporation (the Corporation), and its wholly owned subsidiaries, Farmers and Merchants Trust Company of Chambersburg (the Bank) and Franklin Future Fund Inc. Farmers and Merchants Trust Company of Chambersburg is a commercial bank that has one wholly owned subsidiary, Franklin Financial Properties Corp. Franklin Financial Properties Corp. holds real estate assets that are leased by the Bank. Franklin Future Fund Inc. is a non-bank investment company. The activities of the non-bank subsidiary are not significant to the consolidated totals. All significant intercompany transactions and account balances have been eliminated. In the opinion of management, all adjustments (which include only normal recurring adjustments) necessary to present fairly the consolidated financial position, results of operations, and cash flows as of March 31, 2021, and for all other periods presented have been made. Certain information and footnote disclosures normally included in consolidated financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been condensed or omitted. It is suggested that these consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s 2020 Annual Report on Form 10-K. The consolidated results of operations for the three-month period ended March 31, 2021 are not necessarily indicative of the operating results for the full year. Management has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. The consolidated balance sheet at December 31, 2020 has been derived from the audited consolidated financial statements at that date but does not include all of the information and footnotes required by GAAP for complete consolidated financial statements. For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, interest-bearing deposits in other banks and cash items with original maturities less than 90 days. Earnings per share are computed based on the weighted average number of shares outstanding during each period end. A reconciliation of the weighted average shares outstanding used to calculate basic earnings per share and diluted earnings per share follows: For the Three Months Ended March 31, (Dollars and shares in thousands, except per share data) 2021 2020 Weighted average shares outstanding (basic) 4,396 4,347 Impact of common stock equivalents 19 14 Weighted average shares outstanding (diluted) 4,415 4,361 Anti-dilutive options excluded from calculation 61 50 Net income $ 4,830 $ 1,719 Basic earnings per share $ 1.10 $ 0.40 Diluted earnings per share $ 1.09 $ 0.39

Recent Accounting Pronouncement

Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2021
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	Note 2. Recent Accounting Pronouncements 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. As of the beginning of the first reporting period in which the new standard is adopted, the Corporation expects to recognize a one-time cumulative-effect adjustment to the allowance for loan losses, which will flow through retained earnings. After adoption, 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.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Mar. 31, 2021
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	Note 3. Accumulated Other Comprehensive Income (Loss) The components of accumulated other comprehensive income (loss), net of income tax effects, included in shareholders' equity are as follows: March 31, December 31, (Dollars in thousands) 2021 2020 Net unrealized gains on debt securities $ 1,994 $ 12,571 Tax effect ( 419 ) ( 2,640 ) Net of tax amount $ 1,575 $ 9,931 Accumulated pension adjustment $ ( 8,533 ) $ ( 8,533 ) Tax effect 1,792 1,792 Net of tax amount $ ( 6,741 ) $ ( 6,741 ) Total accumulated other comprehensive (loss)/income $ ( 5,166 ) $ 3,190

Investments

Investments	3 Months Ended
	Mar. 31, 2021
Investments [Abstract]
Investments	Note 4. Investments Available for Sale (AFS) Securities The amortized cost and estimated fair value of AFS securities as of March 31, 2021 and December 31, 2020 are as follows : (Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair March 31, 2021 cost gains losses value U.S. Government and Agency securities $ 21,070 $ 16 $ ( 170 ) $ 20,916 Municipal securities 235,808 5,582 ( 4,132 ) 237,258 Corporate securities 22,268 153 ( 264 ) 22,157 Agency mortgage-backed securities 85,429 1,360 ( 815 ) 85,974 Private-label mortgage-backed securities 11,966 45 ( 62 ) 11,949 Asset-backed securities 43,643 390 ( 109 ) 43,924 $ 420,184 $ 7,546 $ ( 5,552 ) $ 422,178 (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 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 $ 384,369 $ 13,272 $ ( 701 ) $ 396,940 At March 31 , 2021 and December 31, 2020, the fair value of debt securities pledged to secure public funds and trust deposits totaled $ 129.1 million and $ 137.4 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 March 31, 2021, by contractual maturity are shown below. Actual maturities may differ from contractual maturities because of prepayment or call options embedded in the securities. Securities not due at a single maturity date are presented separately. (Dollars in thousands) Amortized cost Fair value Due in one year or less $ 2,361 $ 2,367 Due after one year through five years 21,738 22,274 Due after five years through ten years 174,745 178,862 Due after ten years 80,302 76,828 279,146 280,331 Mortgage-backed and asset-backed securities 141,038 141,847 $ 420,184 $ 422,178 The composition of the net realized gains (losses) on debt securities for the three months ended are as follows: For the Three Months Ended March 31, (Dollars in thousands) 2021 2020 Proceeds $ — $ 165 Gross gains realized — — Gross losses realized — ( 10 ) Net (losses) gains realized $ — $ ( 10 ) Tax benefit (provision) on net (losses) gains realized $ — $ 2 Impairment : The debt securities portfolio contained 205 securities with $ 178.6 million of temporarily impaired fair value and $ 5.6 million in unrealized losses at March 31, 2021. The total unrealized loss position has increased $ 4.9 million since year-end 2020. 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 March 31, 2021, was deemed to be temporary and required no further adjustments to the financial statements, unless otherwise noted. The following table reflects temporary impairment in the AFS portfolio, aggregated by investment category, length of time that individual securities have been in a continuous unrealized loss position and the number of securities in each category as of March 31, 2021 and December 31, 2020: March 31, 2021 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 $ 9,832 $ ( 134 ) 7 $ 7,629 $ ( 36 ) 15 $ 17,461 $ ( 170 ) 22 Municipal securities 97,958 ( 4,132 ) 107 — — — 97,958 ( 4,132 ) 107 Corporate securities 9,677 ( 173 ) 19 2,806 ( 91 ) 3 12,483 ( 264 ) 22 Agency mortgage-backed securities 31,182 ( 809 ) 32 1,504 ( 6 ) 3 32,686 ( 815 ) 35 Private-label mortgage-backed securities 6,828 ( 62 ) 5 — — — 6,828 ( 62 ) 5 Asset-backed securities 3,236 ( 29 ) 3 7,983 ( 80 ) 11 11,219 ( 109 ) 14 Total temporarily impaired securities $ 158,713 $ ( 5,339 ) 173 $ 19,922 $ ( 213 ) 32 $ 178,635 $ ( 5,552 ) 205 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 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 The following table represents the cumulative credit losses on debt securities recognized in earnings for: Three Months Ended (Dollars in thousands) March 31, 2021 2020 Balance of cumulative credit-related OTTI at January 1 $ 272 $ 272 Decreases for previously recognized credit losses on securities that paid off ( 15 ) — Balance of credit-related OTTI at March 31 $ 257 $ 272 Equity Securities at Fair Value The Corporation owns one equity investment with a readily determinable fair value. At March 31, 2021 and December 31, 2020, this investment was reported at fair value of $ 444 thousand and $ 391 thousand, respectively, with changes in value reported through income.

Loans

Loans	3 Months Ended
	Mar. 31, 2021
Loans [Abstract]
Loans	Note 5. Loans The Bank reports its loan portfolio based on the primary collateral of the loan. It further classifies these loans by the primary purpose, either consumer or commercial. The Bank’s residential real estate loans include long-term loans to individuals and businesses secured by mortgages on the borrower’s real property and include home equity loans. Construction loans are made to finance the purchase of land and the construction of residential and commercial buildings thereon and are secured by mortgages on real estate. Commercial real estate loans include construction, owner and non-owner occupied properties and farm real estate. Commercial loans are made to businesses of various sizes for a variety of purposes including property, plant and equipment, working capital and loans to government municipalities. Commercial lending is concentrated in the Bank’s primary market, but also includes purchased loan participations. Consumer loans are comprised of installment loans and unsecured personal lines of credit. Each class of loans involves a different kind of risk. However, risk factors such as changes in interest rates, general economic conditions and changes in collateral values are common across all classes. The risk of each loan class is presented below. Residential Real Estate 1-4 Family The largest risk in residential real estate loans to retail customers is the borrower’s inability to repay the loan due to the loss of the primary source of income. The Bank attempts to mitigate this risk through prudent underwriting standards including employment history, current financial condition and credit history. These loans are generally owner occupied and serve as the borrower’s primary residence. Commercial purpose loans, secured by residential real estate, are usually dependent upon repayment from the rental income or other business purposes. These loans are generally non-owner occupied. In addition to the real estate collateral, these loans may have personal guarantees or UCC filings on other business assets. If a payment default occurs on a 1-4 family residential real estate loan, the collateral serves as a source of repayment, but may be subject to a change in value due to economic conditions. Residential Real Estate Construction This class includes loans to individuals for construction of a primary residence and to contractors and developers to improve real estate and construct residential properties. Construction loans to individuals generally bear the same risk as 1-4 family residential loans. Additional risks may include cost overruns, delays in construction or contractor problems. Loans to contractors and developers are primarily dependent on the sale of improved lots or finished homes for repayment. Risks associated with these loans include the borrower’s character and capacity to complete a development, the effect of economic conditions on the valuation of lots or homes, cost overruns, delays in construction or contractor problems. In addition to real estate collateral, these loans may have personal guarantees or UCC filings on other business assets, depending on the financial strength and experience of the developer. Real estate construction loans are monitored on a regular basis by either an independent third party or the responsible loan officer, depending on the size and complexity of the project. This monitoring process includes at a minimum, the submission of invoices or American Institute of Architects (AIA) documents detailing the cost incurred by the borrower, on-site inspections, and an authorizing signature for disbursement of funds. Commercial Real Estate Commercial real estate loans may be secured by various types of commercial property including retail space, office buildings, warehouses, hotels and motel, manufacturing facilities, and agricultural land. Commercial real estate loans present a higher level of risk than residential real estate loans. Repayment of these loans is normally dependent on cash-flow generated by the operation of a business that utilizes the real estate. The successful operation of the business, and therefore repayment ability, may be affected by general economic conditions outside of the control of the operator. On most commercial real estate loans ongoing monitoring of cash flow and other financial performance indictors is completed annually through financial statement analysis. In addition, the value of the collateral may be negatively affected by economic conditions and may be insufficient to repay the loan in the event of default. In the event of foreclosure, commercial real estate may be more difficult to liquidate than residential real estate. Commercial Commercial loans are made for various business purposes to finance equipment, inventory, accounts receivables, and operating liquidity. These loans are generally secured by business assets or equipment, non-real estate collateral and/or personal guarantees. Commercial loans present a higher level of credit risk than other loans because repayment ability is usually dependent on cash-flow from a business operation that can be affected by general economic conditions. On most Commercial loans ongoing monitoring of cash flow and other financial performance indictors at least annually through financial statement analysis. In the event of a default, collateral for these loans may be more difficult to liquidate, and the valuation of the collateral may decline more quickly than loans secured by other types of collateral. Loans to governmental municipalities are also included in the Commercial class. These loans generally have less risk than Commercial & Industrial (C&I) 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 class, at the end of the reporting periods is as follows: March 31, December 31, (Dollars in thousands) 2021 2020 Residential Real Estate 1-4 Family Consumer first liens $ 73,991 $ 77,373 Commercial first lien 58,018 59,851 Total first liens 132,009 137,224 Consumer junior liens and lines of credit 61,707 60,935 Commercial junior liens and lines of credit 4,244 4,425 Total junior liens and lines of credit 65,951 65,360 Total residential real estate 1-4 family 197,960 202,584 Residential real estate - construction Consumer 7,804 6,751 Commercial 10,814 9,558 Total residential real estate construction 18,618 16,309 Commercial real estate 493,544 503,977 Commercial 283,705 281,257 Total commercial 777,249 785,234 Consumer 7,106 5,577 1,000,933 1,009,704 Less: Allowance for loan losses ( 16,136 ) ( 16,789 ) Net Loans $ 984,797 $ 992,915 Included in the loan balances are the following: Net unamortized deferred loan (fees) costs $ (374) $ 8 Paycheck Protection Program (PPP) loans (included in Commercial loans above) Two-year loans $ 3,455 $ 5,378 Five-year loans 52,418 46,912 Total Paycheck Protection Program loans $ 55,873 $ 52,290 Net unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above) Two-year loans $ (63) $ (165) Five-year loans (1,617) (1,178) Total net unamortized deferred PPP loan fees $ (1,680) $ (1,343) Loans pledged as collateral for borrowings and commitments from: FHLB $ 695,190 $ 840,850 Federal Reserve Bank 50,682 50,605 $ 745,872 $ 891,455

Loan Quality And Allowance For

Loan Quality And Allowance For Loan Losses	3 Months Ended
	Mar. 31, 2021
Loan Quality And Allowance For Loan Losses [Abstract]
Loan Quality And Allowance For Loan Losses	Note 6. Loan Quality and Allowance for Loan Losses The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods shown: Residential Real Estate 1-4 Family First Junior Liens & Commercial (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total ALL at December 31, 2020 $ 555 $ 226 $ 294 $ 9,163 $ 5,679 $ 97 $ 775 $ 16,789 Charge-offs — — — ( 13 ) ( 5 ) ( 18 ) — ( 36 ) Recoveries — 169 — — 7 7 — 183 Provision ( 108 ) ( 184 ) 24 ( 365 ) ( 208 ) 27 14 ( 800 ) ALL at March 31, 2021 $ 447 $ 211 $ 318 $ 8,785 $ 5,473 $ 113 $ 789 $ 16,136 ALL at December 31, 2019 $ 416 $ 119 $ 186 $ 6,607 $ 4,022 $ 84 $ 532 $ 11,966 Charge-offs - — — — ( 220 ) ( 30 ) — ( 250 ) Recoveries 3 — — — 5 6 — 14 Provision 144 59 82 1,660 889 38 128 3,000 ALL at March 31, 2020 $ 563 $ 178 $ 268 $ 8,267 $ 4,696 $ 98 $ 660 $ 14,730 The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of March 31, 2021 and December 31, 2020: Residential Real Estate 1-4 Family First Junior Liens & Commercial (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total March 31, 2021 Loans evaluated for ALL: Individually $ 631 $ — $ 511 $ 16,000 $ — $ — $ — $ 17,142 Collectively 131,378 65,951 18,107 477,544 283,705 7,106 — 983,791 Total $ 132,009 $ 65,951 $ 18,618 $ 493,544 $ 283,705 $ 7,106 $ — $ 1,000,933 ALL established for loans evaluated: Individually $ — $ — $ — $ 228 $ — $ — $ — $ 228 Collectively 447 211 318 8,557 5,473 113 789 15,908 ALL at March 31, 2021 $ 447 $ 211 $ 318 $ 8,785 $ 5,473 $ 113 $ 789 $ 16,136 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 The following table shows additional information about those loans considered to be impaired at March 31, 2021 and December 31, 2020: Impaired Loans With No Allowance With Allowance (Dollars in thousands) Unpaid Unpaid Recorded Principal Recorded Principal Related March 31, 2021 Investment Balance Investment Balance Allowance Residential Real Estate 1-4 Family First liens $ 631 $ 631 $ — $ — $ — Junior liens and lines of credit — — — — — Total 631 631 — — — Residential real estate - construction 511 729 — — — Commercial real estate 10,259 10,987 5,741 5,741 228 Commercial — — — — — Total $ 11,401 $ 12,347 $ 5,741 $ 5,741 $ 228 December 31, 2020 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 The following table shows the average of impaired loans and related interest income for the three months ended March 31, 2021 and 2020: Three Months Ended March 31, 2021 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Residential Real Estate 1-4 Family First liens $ 634 $ 8 Junior liens and lines of credit — — Total 634 8 Residential real estate - construction 512 — Commercial real estate 16,043 91 Commercial — — Total $ 17,189 $ 99 Three Months Ended March 31, 2020 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Residential Real Estate 1-4 Family First liens $ 656 $ 10 Junior liens and lines of credit — — Total 656 10 Residential real estate - construction 521 — Commercial real estate 10,899 94 Commercial — — Total $ 12,076 $ 104 The following table presents the aging of payments of the loan portfolio : (Dollars in thousands) Loans Past Due and Still Accruing Total Current 30-59 Days 60-89 Days 90 Days+ Total Non-Accrual Loans March 31, 2021 Residential Real Estate 1-4 Family First liens $ 131,794 $ 174 $ — $ — $ 174 $ 41 $ 132,009 Junior liens and lines of credit 65,768 136 38 — 174 9 65,951 Total 197,562 310 38 — 348 50 197,960 Residential real estate - construction 18,107 — — — — 511 18,618 Commercial real estate 485,377 — — — — 8,167 493,544 Commercial 283,548 50 — — 50 107 283,705 Consumer 7,091 12 2 1 15 — 7,106 Total $ 991,685 $ 372 $ 40 $ 1 $ 413 $ 8,835 $ 1,000,933 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 The following table reports the risk rating for those loans in the portfolio that are assigned an individual risk rating. Consumer purpose loans are assigned a rating of either pass or substandard based on the performance status of the loans. Substandard consumer loans are comprised of loans 90 days or more past due and still accruing, and nonaccrual loans. Commercial purpose loans may be assigned any rating in accordance with the Bank’s internal risk rating system. Pass OAEM Substandard Doubtful (Dollars in thousands) (1-5) (6) (7) (8) Total March 31, 2021 Residential Real Estate 1-4 Family First liens $ 131,968 $ — $ 41 $ — $ 132,009 Junior liens and lines of credit 65,942 — 9 — 65,951 Total 197,910 — 50 — 197,960 Residential real estate - construction 18,107 — 511 — 18,618 Commercial real estate 438,443 36,607 18,494 — 493,544 Commercial 273,579 9,841 285 — 283,705 Consumer 7,105 — 1 — 7,106 Total $ 935,144 $ 46,448 $ 19,341 $ — $ 1,000,933 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 The following table presents information on the Bank’s Troubled Debt Restructuring (TDR) loans as of: Troubled Debt Restructurings Within the Last 12 Months That Have Defaulted (Dollars in thousands) Troubled Debt Restructurings On Modified Terms Number of Recorded Number of Recorded Contracts Investment Performing* Nonperforming* Contracts Investment March 31, 2021 Residential real estate - construction 1 $ 433 $ 433 $ — — $ — Residential real estate 4 631 631 — — — Commercial real estate - owner occupied 4 1,213 1,213 — — — Commercial real estate - farm land 6 2,224 1,542 682 — — Commercial real estate - construction and land development 2 6,038 6,038 — — — Commercial real estate 2 322 117 205 — — Total 19 $ 10,861 $ 9,974 $ 887 — $ — 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 - farm land 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 — $ — * The performing status is determined by the loan’s compliance with the modified terms . There were no new TDR loans during the first quarter of 2021 . The following table reports new TDR loans during 2020, concession granted and the recorded investment as of March 31, 2021 : 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 $ 682 multiple Commercial real estate - owner occupied 2 426 426 425 maturity 3 $ 1,076 $ 1,076 $ 1,107 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. Such short-term modifications (e.g., six months ) may include payment deferrals, fee waivers, extension of payment terms or other delays in payment that are insignificant. Loans may be modified under Section 4013 until the earlier of January 1, 2022 or the 60th day after the end of the COVID-19 national emergency declared by the President. As of March 31, 2021, the Bank has granted $ 68.1 million loan deferrals or modifications (approximately 7 % of gross loans) outstanding.

Leases

Leases	3 Months Ended
	Mar. 31, 2021
Leases [Abstract]
Leases	Note 7. Leases The Corporation leases various assets in the course of its operations that are subject to recognition on the balance sheet. The Corporation considers all of its leases to be operating leases and it has no finance leases. The leased assets are comprised of equipment, and buildings and land (collectively real estate). The equipment leases are shorter-term than the real estate leases, and generally have a fixed payment over a defined term without renewal options. Certain equipment leases have purchase options and it was determined the option was not reasonably certain to be exercised. The real estate leases are longer-term and may contain renewal options after the initial term, but none of the real estate leases contain a purchase option. The renewal options on real estate leases were reviewed and if it was determined the option was reasonably certain to be renewed, the option term was considered in the determination of the lease liability. There is only one real estate lease with a variable payment based on an index included in the lease liability. None of the leases contain any restrictive covenants and there are no significant leases that have not yet commenced. The discount rate used to determine the lease liability is based on the Bank’s fully secured borrowing rate from the Federal Home Loan Bank for a term similar to the lease term. Operating lease expense is included in net occupancy expense in the consolidated statements of income. Lease costs: The components of total lease cost were as follows: Three Months Ended March 31, (Dollars in thousands) 2021 2020 Operating lease cost $ 174 $ 158 Short-term lease cost — 2 Variable lease cost 24 14 Total lease cost $ 198 $ 174 Supplemental Lease Information: Three Months Ended March 31, (Dollars in thousands) 2021 2020 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 162 $ 152 Weighted-average remaining lease term (years) 11.5 12.8 Weighted-average discount rate 3.34 % 3.53 % Lease Obligations: Future undiscounted lease payments for operating leases with initial terms of one year or more as of March 31, 2021 are as follows: (Dollars in thousands) 2021 $ 494 2022 640 2023 650 2024 628 2025 588 2026 and beyond 3,395 Undiscounted cash flow 6,395 Imputed Interest ( 1,170 ) Total lease liability $ 5,225

Other Real Estate Owned

Other Real Estate Owned	3 Months Ended
	Mar. 31, 2021
Other Real Estate Owned [Abstract]
Other Real Estate Owned	Note 8. Other Real Estate Owned The Bank had no other real estate owned at March 31, 2021 and December 31, 2020.

Derivatives

Derivatives	3 Months Ended
	Mar. 31, 2021
Derivatives [Abstract]
Derivatives	Note 9. Derivatives The Corporation is exposed to certain risks arising from both its business operations and economic conditions. The Corporation principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Corporation manages economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of its assets and liabilities. The Corporation’s existing credit derivatives result from participations in interest rate swaps provided by external lenders as part of loan participation arrangements. Derivatives not designated as hedges are not speculative and result from a service the Corporation provides to certain lenders which participate in loans. The table below presents the fair value of the Corporation’s derivative financial instruments as well as their classification on the Balance Sheet. Fair Value of Derivative Instruments Derivative Liabilities (Dollars in thousands) March 31, 2021 December 31, 2020 Notional amount Balance Sheet Location Fair Value Notional amount Balance Sheet Location Fair Value Derivatives not designated as hedging instruments Other Contracts 6,790 Other Liabilities $ 17 6,836 Other Liabilities $ 40 Total derivatives not designated as hedging instruments $ 17 $ 40 The table below presents the effect of the Corporation’s derivative financial instruments that are not designated as hedging instruments on the Income Statement. Effect of Derivatives Not Designated as Hedging Instruments on the Statement of Financial Performance Derivatives Not Designated as Hedging Instruments under Subtopic 815-20 Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivatives (Dollars in thousands) Three Months Ended March 31, 2021 March 31, 2020 Other Contracts Other income $ 23 $ ( 36 ) As of March 31, 2021, 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 $ 17 thousand.

Pension

Pension	3 Months Ended
	Mar. 31, 2021
Pension [Abstract]
Pension	Note 10. Pension The components of pension expense for the periods presented are as follows: Three Months Ended March 31, (Dollars in thousands) 2021 2020 Components of net periodic cost: Service cost $ 99 $ 83 Interest cost 87 131 Expected return on plan assets ( 274 ) ( 269 ) Settlement expense 108 — Recognized net actuarial loss 285 226 Total pension expense $ 305 $ 171 The service cost component of pension expense is recorded in the salaries and employee benefits line and all other cost components are recorded in the nonservice pension line of the Consolidated Statements of Income.

Fair Value Measurements And Fai

Fair Value Measurements And Fair Values Of Financial Instruments	3 Months Ended
	Mar. 31, 2021
Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]
Fair Value Measurements And Fair Values Of Financial Instruments	Note 11. Fair Value Measurements and Fair Values of Financial Instruments Management uses its best judgment in estimating the fair value of the Corporation’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Corporation could have realized in a sales transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective period-ends and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates maybe different than the amounts reported at each year-end. The Corporation uses the exit price notion to measure the fair value of financial instruments. FASB ASC Topic 820, “Financial Instruments”, requires disclosure of the fair value of financial assets and liabilities, including those financial assets and liabilities that are not measured and reported at fair value on a recurring and nonrecurring basis. The Corporation does not report any nonfinancial assets at fair value. FASB ASC Topic 820 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC Topic 820 are as follows: Level 1 : Valuation is based on unadjusted, quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. Level 2 : Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. There may be substantial differences in the assumptions used for securities within the same level. For example, prices for U.S. Agency securities have fewer assumptions and are closer to level 1 valuations than the private label mortgage-backed securities that require more assumptions and are closer to level 3 valuations. Level 3 : Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Corporation’s assumptions regarding what market participants would assume when pricing a financial instrument. An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The following information regarding the fair value of the Corporation’s financial instruments should not be interpreted as an estimate of the fair value of the entire Corporation since a fair value calculation is only provided for a limited portion of the Corporation’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Corporation’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Corporation’s financial instruments measured at fair value on a recurring and nonrecurring basis. Equity Securities : Equity securities are valued using quoted market prices from nationally recognized markets (Level 1). Equity securities are measured at fair value on a recurring basis. Investment securities : Fair values of investment securities available-for-sale were primarily measured using information from a third-party pricing service. This service provides pricing information by utilizing evaluated pricing models supported with market data information. Standard inputs include benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data from market research publications. Level 2 investment securities are primarily comprised of debt securities issued by states and municipalities, corporations, mortgage-backed securities issued by government agencies, and government-sponsored enterprises. Fair values were estimated primarily by obtaining quoted prices for similar assets in active markets or through the use of pricing models. Investment securities are measured at fair value on a recurring basis. Impaired Loans : The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals conducted by an independent, licensed appraiser, less cost to sell. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach (Level 2). If the appraiser makes an adjustment to account for differences between the comparable sales and income data available for similar loans, or if management adjusts the appraised value, then the fair value is considered Level 3. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted in accordance with the allowance policy. No partial charge-offs on impaired loans were taken in the first quarter of 2021. Impaired loans are measured at fair value on a nonrecurring basis. Recurring Fair Value Measurements For financial assets and liabilities measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at March 31, 2021 and December 31, 2020 are as follows: (Dollars in thousands) Fair Value at March 31, 2021 Asset Description Level 1 Level 2 Level 3 Total Equity securities, at fair value $ 444 $ — $ — $ 444 Available for sale: U.S. Government and Agency securities 9,832 11,084 — 20,916 Municipal securities — 237,258 — 237,258 Corporate securities — 22,157 — 22,157 Agency mortgage-backed securities — 85,974 — 85,974 Private-label mortgage-backed securities — 11,949 — 11,949 Asset-backed securities — 43,924 — 43,924 Total assets $ 10,276 $ 412,346 $ — $ 422,622 (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 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 The fair value of derivative liabilities measured at fair value at March 31, 2021 and December 31, 2020 was $ 17 thousand and $ 40 thousand, respectively, and was considered immaterial. Nonrecurring Fair Value Measurements There were no assets measured at fair value on a nonrecurring basis as of March 31, 2021 and the following table presents the fair value measurement by level within the fair value hierarchy used at December 31, 2020: (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 (1) Includes assets directly charged-down to fair value during the year-to-date period. The Corporation did no t record any liabilities at fair value for which measurement of the fair value was made on a nonrecurring basis at March 31, 2021. 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 March 31, 2021. There were no assets measured at fair value on a nonrecurring basis at March 31, 2021 and the following table presents additional quantitative information about Level 3 assets measured at fair value on a nonrecurring basis at December 31, 2020: (Dollars in thousands) Range December 31, 2020 Fair Value Valuation Technique Unobservable Input Weighted Average Impaired loans $ 5,474 Appraisal Appraisal Adjustment on 0 %- 100 % ( 66 %) Non-real estate assets Cost to sell 8 % (1) Includes assets directly charged-down to fair value during the year-to-date period. The carrying amounts and estimated fair value of financial instruments not carried at fair value are as follows: March 31, 2021 Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial assets, carried at cost: Cash and cash equivalents $ 107,622 $ 107,622 $ 107,622 $ — $ — Long-term interest-bearing deposits in other banks 10,995 10,995 10,995 — — Loans held for sale 4,699 4,799 — 4,799 — Net loans 984,797 1,013,427 — — 1,013,427 Accrued interest receivable 6,045 6,045 — — 6,045 Financial liabilities: Deposits $ 1,421,042 $ 1,433,518 $ — $ 1,433,518 $ — Subordinate notes 19,564 20,086 — 20,086 — Accrued interest payable 415 415 — 415 — 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 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 $ — Subordinate notes 19,555 19,750 — 19,750 — Accrued interest payable 180 180 — 180 —

Subordinate Notes

Subordinate Notes	3 Months Ended
	Mar. 31, 2021
Subordinate Notes [Abstract]
Subordinate Notes	Note 12. Subordinated Notes At March 31, 2021, t he Corporation had $ 20.0 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 $ 435.7 thousand at March 31, 2021, 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.

Capital Ratios

Capital Ratios	3 Months Ended
	Mar. 31, 2021
Capital Ratios [Abstract]
Capital Ratios	Note 13. Capital Ratios Capital adequacy for the Bank is currently defined by regulatory agencies through the use of several minimum required ratios. The capital ratios to be considered “well capitalized” are: (1) Common Equity Tier 1 (CET1) of 6.5 %, (2) Tier 1 Leverage of 5 %, (3) Tier 1 Risk-Based Capital of 8 %, and (4) Total Risk-Based Capital of 10 %. In addition, a capital conservation buffer of 2.50 % is applicable to all of the capital ratios except for the Tier 1 Leverage ratio. The capital conservation buffer is equal to the lowest value of the three applicable capital ratios less the regulatory minimum for each respective capital measurement. The Bank’s capital conservation buffer at March 31, 2021 was 7.89 % compared to the regulatory buffer of 2.50 %. Compliance with the capital conservation buffer is required in order to avoid limitations to certain capital distributions and is in addition to the minimum required capital requirements. As of March 31, 2021, the Bank was “well capitalized”. In 2019, the Community Bank Leverage Ratio (CBLR) was approved by federal banking agencies as an optional capital measure available to Qualifying Community Banking Organizations (QCBO). If a bank qualifies as a QCBR and maintains a CBLR of 9 % or greater, the bank would be considered “well-capitalized” for regulatory capital purposes and exempt from complying with the risk-based capital rule described above. The CBLR rule took effect January 1, 2020 and banks could opt-in through an election in the first quarter 2020 regulatory filing. The Bank met the criteria of a QCBR but did not opt-in to the CBLR. The Bank is participating in the PPP and the Paycheck Protection Program Liquidity Facility (PPPLF) to fund PPP Loans. In accordance with regulatory guidance, PPP loans pledged as collateral for PPPLF, and PPPLF advances, are excluded from leverage capital ratios. PPP loans will also carry a 0 % risk-weight for risk-based capital rules. The consolidated asset limit on small bank holding companies is $ 3.0 billion and a company with assets under that limit is not subject to the consolidated capital rules but may file reports that include capital amounts and ratios. The Corporation has elected to file those reports. The following table summarizes the regulatory capital requirements and results as of March 31, 2021 and December 31, 2020 for the Corporation and the Bank: Regulatory Ratios Adequately Well March 31, December 31, Capitalized Capitalized (Dollars in thousands) 2021 2020 Minimum Minimum Common Equity Tier 1 Risk-based Capital Ratio (1) Franklin Financial Services Corporation 14.80 % 14.32 % N/A N/A Farmers & Merchants Trust Company 14.63 % 14.07 % 4.50 % 6.50 % Tier 1 Risk-based Capital Ratio (2) Franklin Financial Services Corporation 14.80 % 14.32 % N/A N/A Farmers & Merchants Trust Company 14.63 % 14.07 % 6.00 % 8.00 % Total Risk-based Capital Ratio (3) Franklin Financial Services Corporation 18.18 % 17.69 % N/A N/A Farmers & Merchants Trust Company 15.89 % 15.33 % 8.00 % 10.00 % Tier 1 Leverage Ratio (4) Franklin Financial Services Corporation 8.76 % 8.69 % N/A N/A Farmers & Merchants Trust Company 8.65 % 8.54 % 4.00 % 5.00 % (1) Common equity Tier 1 capital/ total risk-weighted assets (2) Tier 1 capital / total risk-weighted assets (3) Total risk-based capital / total risk-weighted assets, (4) Tier 1 capital / average quarterly assets

Revenue Recognition

Revenue Recognition	3 Months Ended
	Mar. 31, 2021
Revenue Recognition [Abstract]
Revenue Recognition	Note 14. 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 its consolidated statements of income. Revenue generating activities that fall within the scope of ASC 606 are described as follows: Investment and Trust Service Fees – these represent fees from wealth management (assets under management), fees from the management and settlement of estates and commissions from the sale of investment and insurance products.  Asset management fees are generally assessed based on a tiered fee schedule, based on the value of assets under management, and are recognized monthly when the service obligation is completed. Fees recognized were $ 1.5 million for the first quarter of 2021 and $1.3 million for the first quarter of 2020.  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 $ 84 thousand for the first quarter of 2021, compared to $ 33 thousand for the first quarter of 2020.  Commissions from the sale of investment and insurance products are recognized upon the completion of the transaction. Commissions recognized were $ 37 thousand for the first quarter of 2021, compared to $ 74 thousand for the first quarter 2020. Loan Service Charges – these represent fees on loans for services or charges that occur after the loan has been booked, for example, late payment fees. These also include fees for mortgages settled for third-party mortgage companies. All of these fees are transactional in nature and are recognized upon completion of the transaction which represents the performance obligation. Deposit Service Charges and Fees – these represent fees from deposit customers for transaction based, account maintenance, and overdraft services. Transaction based fees include, but are not limited to, stop payment fees and overdraft fees. These fees are recognized at the time of the transaction when the performance obligation has been fulfilled. Account maintenance fees and account analysis fees are earned over the course of a month, representing the period of the performance obligation, and are recognized monthly. Debit Card Income – this represents interchange fees from cardholder transactions conducted through the card payment network. Cardholders use the debit card to conduct point-of-sale transactions that produce interchange fees. The fees are transaction based and the fee is recognized with the processing of the transaction. These fees are reported net of cardholder rewards. Other Service Charges and Fees – these are comprised primarily of merchant card fees, credit card fees, ATM surcharges and interchange fees and wire transfer fees. Merchant card fees represent fees the Bank earns from a third party for enrolling a customer in the processor’s program. Credit card fees represent a fee earned by the Bank for a successful referral to a card-issuing company. ATM surcharges and interchange fees are the result of Bank customers conducting ATM transactions that generate fee income and are processed through multiple card networks. All of these fees are transaction based and are recognized at the time of the transaction. Gains/Losses on the Sale of Other Real Estate – these are recognized when control of the property transfers to the buyer. Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into longer-term revenue contracts with customers, and therefore, does not experience significant contract balances. Contract Acquisition Costs The Corporation expenses all contract acquisition costs as costs are incurred.

Commitments And Contingencies

Commitments And Contingencies	3 Months Ended
	Mar. 31, 2021
Commitments And Contingencies [Abstract]
Commitments And Contingencies	1 Note 15. Commitments and Contingencies In the normal course of business, the Bank is a party to financial instruments that are not reflected in the accompanying financial statements and are commonly referred to as off-balance-sheet instruments. These financial instruments are entered into primarily to meet the financing needs of the Bank’s customers and include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk not recognized in the consolidated balance sheet. The Corporation’s exposure to credit loss in the event of nonperformance by other parties to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contract or notional amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as they do for on-balance-sheet instruments. The Bank had the following outstanding commitments for the periods presented: March 31, December 31, (Dollars in thousands) 2021 2020 Financial instruments whose contract amounts represent credit risk Commercial commitments to extend credit $ 280,806 $ 280,939 Consumer commitments to extend credit (secured) 74,989 71,761 Consumer commitments to extend credit (unsecured) 5,456 5,224 $ 361,251 $ 357,924 Standby letters of credit $ 21,260 $ 22,334 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses with the exception of home equity lines and personal lines of credit and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank, is based on Management’s credit evaluation of the counterparty. Collateral for most commercial commitments varies but may include accounts receivable, inventory, property, plant, and equipment, and income-producing commercial properties. Collateral for secured consumer commitments consists of liens on residential real estate. Standby letters of credit are instruments issued by the Bank, which guarantee the beneficiary payment by the Bank in the event of default by the Bank’s customer in the nonperformance of an obligation or service. Most standby letters of credit are extended for one-year periods. Generally, the credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank holds collateral supporting those commitments for which collateral is deemed necessary primarily in the form of certificates of deposit and liens on real estate. Management believes that the proceeds obtained through a liquidation of such collateral would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees. In the second quarter of 2018, the Bank established a $ 2.4 million allowance against letters of credit issued in connection with a commercial borrower that declared bankruptcy. In the first quarter of 2020, the Bank reversed $ 250 thousand of this reserve as one letter of credit was cancelled. At March 31, 2021 this reserve was $ 2.1 million. Except for the liability recorded for standby letters of credit, liabilities for credit loss associated with off-balance sheet commitments were not material at March 31, 2021 and 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. The Corporation establishes 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 the Corporation is able to do so, it also determines estimates of possible losses, whether in excess of any accrued liability or where there is no accrued liability. These assessments are based on the analysis of currently available information and are subject to significant judgment and a variety of assumptions and uncertainties. As new information is obtained, the Corporation may change its assessments and, as a result, take or adjust the amounts of its accruals and change its estimates of possible losses or ranges of possible losses. Due to the inherent subjectivity of the assessments and the unpredictability of outcomes of legal proceedings, any amounts that may be accrued or included in estimates of possible losses or ranges of possible losses may not represent the actual loss to the Corporation from any legal proceeding. Its exposure and ultimate losses may be higher, possibly significantly higher, than amounts it may accrue or amounts it may estimate. In management’s opinion, the Corporation does not anticipate, at the present time, that the ultimate aggregate liability, if any, arising out of all litigation to which the Corporation is a party at this time will have a material adverse effect on its financial position. The Corporation cannot now determine, however, whether or not any claim asserted against it will have a material adverse effect on its results of operations in any future reporting period, which will depend on, among other things, the amount of loss resulting from the claim and the amount of income otherwise reported for the reporting period. Thus, at March 31, 2021, the Corporation is 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.

Reclassification

Reclassification	3 Months Ended
	Mar. 31, 2021
Reclassification [Abstract]
Reclassification	Note 16. Reclassification Certain prior period amounts may have been reclassified to conform to the current year presentation. Such reclassifications did not affect prior year net income or shareholders’ equity .

Basis Of Presentation (Policy)

Basis Of Presentation (Policy)	3 Months Ended
	Mar. 31, 2021
Basis Of Presentation [Abstract]
Consolidation	The consolidated financial statements include the accounts of Franklin Financial Services Corporation (the Corporation), and its wholly owned subsidiaries, Farmers and Merchants Trust Company of Chambersburg (the Bank) and Franklin Future Fund Inc. Farmers and Merchants Trust Company of Chambersburg is a commercial bank that has one wholly owned subsidiary, Franklin Financial Properties Corp. Franklin Financial Properties Corp. holds real estate assets that are leased by the Bank. Franklin Future Fund Inc. is a non-bank investment company. The activities of the non-bank subsidiary are not significant to the consolidated totals. All significant intercompany transactions and account balances have been eliminated. In the opinion of management, all adjustments (which include only normal recurring adjustments) necessary to present fairly the consolidated financial position, results of operations, and cash flows as of March 31, 2021, and for all other periods presented have been made. Certain information and footnote disclosures normally included in consolidated financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been condensed or omitted. It is suggested that these consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s 2020 Annual Report on Form 10-K. The consolidated results of operations for the three-month period ended March 31, 2021 are not necessarily indicative of the operating results for the full year. Management has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. The consolidated balance sheet at December 31, 2020 has been derived from the audited consolidated financial statements at that date but does not include all of the information and footnotes required by GAAP for complete consolidated financial statements. For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, interest-bearing deposits in other banks and cash items with original maturities less than 90 days.
Earnings Per Share	Earnings per share are computed based on the weighted average number of shares outstanding during each period end. A reconciliation of the weighted average shares outstanding used to calculate basic earnings per share and diluted earnings per share follows: For the Three Months Ended March 31, (Dollars and shares in thousands, except per share data) 2021 2020 Weighted average shares outstanding (basic) 4,396 4,347 Impact of common stock equivalents 19 14 Weighted average shares outstanding (diluted) 4,415 4,361 Anti-dilutive options excluded from calculation 61 50 Net income $ 4,830 $ 1,719 Basic earnings per share $ 1.10 $ 0.40 Diluted earnings per share $ 1.09 $ 0.39

Basis Of Presentation (Tables)

Basis Of Presentation (Tables)	3 Months Ended
	Mar. 31, 2021
Basis Of Presentation [Abstract]
Schedule Of Earnings Per Share, Basic And Diluted	For the Three Months Ended March 31, (Dollars and shares in thousands, except per share data) 2021 2020 Weighted average shares outstanding (basic) 4,396 4,347 Impact of common stock equivalents 19 14 Weighted average shares outstanding (diluted) 4,415 4,361 Anti-dilutive options excluded from calculation 61 50 Net income $ 4,830 $ 1,719 Basic earnings per share $ 1.10 $ 0.40 Diluted earnings per share $ 1.09 $ 0.39

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Tables)	3 Months Ended
	Mar. 31, 2021
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	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. As of the beginning of the first reporting period in which the new standard is adopted, the Corporation expects to recognize a one-time cumulative-effect adjustment to the allowance for loan losses, which will flow through retained earnings. After adoption, 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.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2021
Accumulated Other Comprehensive Income (Loss) [Abstract]
Schedule Of Accumulated Other Comprehensive Income (Loss)	March 31, December 31, (Dollars in thousands) 2021 2020 Net unrealized gains on debt securities $ 1,994 $ 12,571 Tax effect ( 419 ) ( 2,640 ) Net of tax amount $ 1,575 $ 9,931 Accumulated pension adjustment $ ( 8,533 ) $ ( 8,533 ) Tax effect 1,792 1,792 Net of tax amount $ ( 6,741 ) $ ( 6,741 ) Total accumulated other comprehensive (loss)/income $ ( 5,166 ) $ 3,190

Investments (Tables)

Investments (Tables)	3 Months Ended
	Mar. 31, 2021
Investments [Abstract]
Unrealized Gain (Loss) On Investments	(Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair March 31, 2021 cost gains losses value U.S. Government and Agency securities $ 21,070 $ 16 $ ( 170 ) $ 20,916 Municipal securities 235,808 5,582 ( 4,132 ) 237,258 Corporate securities 22,268 153 ( 264 ) 22,157 Agency mortgage-backed securities 85,429 1,360 ( 815 ) 85,974 Private-label mortgage-backed securities 11,966 45 ( 62 ) 11,949 Asset-backed securities 43,643 390 ( 109 ) 43,924 $ 420,184 $ 7,546 $ ( 5,552 ) $ 422,178 (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 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 $ 384,369 $ 13,272 $ ( 701 ) $ 396,940
Amortized Cost And Fair Value Of Debt Securities, By Contractual Maturity	(Dollars in thousands) Amortized cost Fair value Due in one year or less $ 2,361 $ 2,367 Due after one year through five years 21,738 22,274 Due after five years through ten years 174,745 178,862 Due after ten years 80,302 76,828 279,146 280,331 Mortgage-backed and asset-backed securities 141,038 141,847 $ 420,184 $ 422,178
Composition Of Net Realized Securities Gains	For the Three Months Ended March 31, (Dollars in thousands) 2021 2020 Proceeds $ — $ 165 Gross gains realized — — Gross losses realized — ( 10 ) Net (losses) gains realized $ — $ ( 10 ) Tax benefit (provision) on net (losses) gains realized $ — $ 2
Schedule Of Unrealized Loss On Investments	The following table reflects temporary impairment in the AFS portfolio, aggregated by investment category, length of time that individual securities have been in a continuous unrealized loss position and the number of securities in each category as of March 31, 2021 and December 31, 2020: March 31, 2021 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 $ 9,832 $ ( 134 ) 7 $ 7,629 $ ( 36 ) 15 $ 17,461 $ ( 170 ) 22 Municipal securities 97,958 ( 4,132 ) 107 — — — 97,958 ( 4,132 ) 107 Corporate securities 9,677 ( 173 ) 19 2,806 ( 91 ) 3 12,483 ( 264 ) 22 Agency mortgage-backed securities 31,182 ( 809 ) 32 1,504 ( 6 ) 3 32,686 ( 815 ) 35 Private-label mortgage-backed securities 6,828 ( 62 ) 5 — — — 6,828 ( 62 ) 5 Asset-backed securities 3,236 ( 29 ) 3 7,983 ( 80 ) 11 11,219 ( 109 ) 14 Total temporarily impaired securities $ 158,713 $ ( 5,339 ) 173 $ 19,922 $ ( 213 ) 32 $ 178,635 $ ( 5,552 ) 205 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 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
Other Than Temporary Impairment, Credit Losses Recognized In Earnings	Three Months Ended (Dollars in thousands) March 31, 2021 2020 Balance of cumulative credit-related OTTI at January 1 $ 272 $ 272 Decreases for previously recognized credit losses on securities that paid off ( 15 ) — Balance of credit-related OTTI at March 31 $ 257 $ 272

Loans (Tables)

Loans (Tables)	3 Months Ended
	Mar. 31, 2021
Loans [Abstract]
Schedule Of Loans Outstanding	March 31, December 31, (Dollars in thousands) 2021 2020 Residential Real Estate 1-4 Family Consumer first liens $ 73,991 $ 77,373 Commercial first lien 58,018 59,851 Total first liens 132,009 137,224 Consumer junior liens and lines of credit 61,707 60,935 Commercial junior liens and lines of credit 4,244 4,425 Total junior liens and lines of credit 65,951 65,360 Total residential real estate 1-4 family 197,960 202,584 Residential real estate - construction Consumer 7,804 6,751 Commercial 10,814 9,558 Total residential real estate construction 18,618 16,309 Commercial real estate 493,544 503,977 Commercial 283,705 281,257 Total commercial 777,249 785,234 Consumer 7,106 5,577 1,000,933 1,009,704 Less: Allowance for loan losses ( 16,136 ) ( 16,789 ) Net Loans $ 984,797 $ 992,915 Included in the loan balances are the following: Net unamortized deferred loan (fees) costs $ (374) $ 8 Paycheck Protection Program (PPP) loans (included in Commercial loans above) Two-year loans $ 3,455 $ 5,378 Five-year loans 52,418 46,912 Total Paycheck Protection Program loans $ 55,873 $ 52,290 Net unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above) Two-year loans $ (63) $ (165) Five-year loans (1,617) (1,178) Total net unamortized deferred PPP loan fees $ (1,680) $ (1,343) Loans pledged as collateral for borrowings and commitments from: FHLB $ 695,190 $ 840,850 Federal Reserve Bank 50,682 50,605 $ 745,872 $ 891,455

Loan Quality And Allowance Fo_2

Loan Quality And Allowance For Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2021
Loan Quality And Allowance For Loan Losses [Abstract]
Allowance For Loan Losses, By Loan Segment	The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods shown: Residential Real Estate 1-4 Family First Junior Liens & Commercial (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total ALL at December 31, 2020 $ 555 $ 226 $ 294 $ 9,163 $ 5,679 $ 97 $ 775 $ 16,789 Charge-offs — — — ( 13 ) ( 5 ) ( 18 ) — ( 36 ) Recoveries — 169 — — 7 7 — 183 Provision ( 108 ) ( 184 ) 24 ( 365 ) ( 208 ) 27 14 ( 800 ) ALL at March 31, 2021 $ 447 $ 211 $ 318 $ 8,785 $ 5,473 $ 113 $ 789 $ 16,136 ALL at December 31, 2019 $ 416 $ 119 $ 186 $ 6,607 $ 4,022 $ 84 $ 532 $ 11,966 Charge-offs - — — — ( 220 ) ( 30 ) — ( 250 ) Recoveries 3 — — — 5 6 — 14 Provision 144 59 82 1,660 889 38 128 3,000 ALL at March 31, 2020 $ 563 $ 178 $ 268 $ 8,267 $ 4,696 $ 98 $ 660 $ 14,730 The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of March 31, 2021 and December 31, 2020: Residential Real Estate 1-4 Family First Junior Liens & Commercial (Dollars in thousands) Liens Lines of Credit Construction Real Estate Commercial Consumer Unallocated Total March 31, 2021 Loans evaluated for ALL: Individually $ 631 $ — $ 511 $ 16,000 $ — $ — $ — $ 17,142 Collectively 131,378 65,951 18,107 477,544 283,705 7,106 — 983,791 Total $ 132,009 $ 65,951 $ 18,618 $ 493,544 $ 283,705 $ 7,106 $ — $ 1,000,933 ALL established for loans evaluated: Individually $ — $ — $ — $ 228 $ — $ — $ — $ 228 Collectively 447 211 318 8,557 5,473 113 789 15,908 ALL at March 31, 2021 $ 447 $ 211 $ 318 $ 8,785 $ 5,473 $ 113 $ 789 $ 16,136 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
Impaired Financing Receivables	The following table shows additional information about those loans considered to be impaired at March 31, 2021 and December 31, 2020: Impaired Loans With No Allowance With Allowance (Dollars in thousands) Unpaid Unpaid Recorded Principal Recorded Principal Related March 31, 2021 Investment Balance Investment Balance Allowance Residential Real Estate 1-4 Family First liens $ 631 $ 631 $ — $ — $ — Junior liens and lines of credit — — — — — Total 631 631 — — — Residential real estate - construction 511 729 — — — Commercial real estate 10,259 10,987 5,741 5,741 228 Commercial — — — — — Total $ 11,401 $ 12,347 $ 5,741 $ 5,741 $ 228 December 31, 2020 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 The following table shows the average of impaired loans and related interest income for the three months ended March 31, 2021 and 2020: Three Months Ended March 31, 2021 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Residential Real Estate 1-4 Family First liens $ 634 $ 8 Junior liens and lines of credit — — Total 634 8 Residential real estate - construction 512 — Commercial real estate 16,043 91 Commercial — — Total $ 17,189 $ 99 Three Months Ended March 31, 2020 Average Interest (Dollars in thousands) Recorded Income Investment Recognized Residential Real Estate 1-4 Family First liens $ 656 $ 10 Junior liens and lines of credit — — Total 656 10 Residential real estate - construction 521 — Commercial real estate 10,899 94 Commercial — — Total $ 12,076 $ 104
Aging Of Payments Of The Loan Portfolio	The following table presents the aging of payments of the loan portfolio : (Dollars in thousands) Loans Past Due and Still Accruing Total Current 30-59 Days 60-89 Days 90 Days+ Total Non-Accrual Loans March 31, 2021 Residential Real Estate 1-4 Family First liens $ 131,794 $ 174 $ — $ — $ 174 $ 41 $ 132,009 Junior liens and lines of credit 65,768 136 38 — 174 9 65,951 Total 197,562 310 38 — 348 50 197,960 Residential real estate - construction 18,107 — — — — 511 18,618 Commercial real estate 485,377 — — — — 8,167 493,544 Commercial 283,548 50 — — 50 107 283,705 Consumer 7,091 12 2 1 15 — 7,106 Total $ 991,685 $ 372 $ 40 $ 1 $ 413 $ 8,835 $ 1,000,933 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
Internal Credit Rating For The Loan Portfolio	The following table reports the risk rating for those loans in the portfolio that are assigned an individual risk rating. Consumer purpose loans are assigned a rating of either pass or substandard based on the performance status of the loans. Substandard consumer loans are comprised of loans 90 days or more past due and still accruing, and nonaccrual loans. Commercial purpose loans may be assigned any rating in accordance with the Bank’s internal risk rating system. Pass OAEM Substandard Doubtful (Dollars in thousands) (1-5) (6) (7) (8) Total March 31, 2021 Residential Real Estate 1-4 Family First liens $ 131,968 $ — $ 41 $ — $ 132,009 Junior liens and lines of credit 65,942 — 9 — 65,951 Total 197,910 — 50 — 197,960 Residential real estate - construction 18,107 — 511 — 18,618 Commercial real estate 438,443 36,607 18,494 — 493,544 Commercial 273,579 9,841 285 — 283,705 Consumer 7,105 — 1 — 7,106 Total $ 935,144 $ 46,448 $ 19,341 $ — $ 1,000,933 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
Troubled Debt Restructuring Loans	The following table presents information on the Bank’s Troubled Debt Restructuring (TDR) loans as of: Troubled Debt Restructurings Within the Last 12 Months That Have Defaulted (Dollars in thousands) Troubled Debt Restructurings On Modified Terms Number of Recorded Number of Recorded Contracts Investment Performing* Nonperforming* Contracts Investment March 31, 2021 Residential real estate - construction 1 $ 433 $ 433 $ — — $ — Residential real estate 4 631 631 — — — Commercial real estate - owner occupied 4 1,213 1,213 — — — Commercial real estate - farm land 6 2,224 1,542 682 — — Commercial real estate - construction and land development 2 6,038 6,038 — — — Commercial real estate 2 322 117 205 — — Total 19 $ 10,861 $ 9,974 $ 887 — $ — 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 - farm land 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 — $ — * The performing status is determined by the loan’s compliance with the modified terms . There were no new TDR loans during the first quarter of 2021 . The following table reports new TDR loans during 2020, concession granted and the recorded investment as of March 31, 2021 : 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 $ 682 multiple Commercial real estate - owner occupied 2 426 426 425 maturity 3 $ 1,076 $ 1,076 $ 1,107

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2021
Leases [Abstract]
Schedule Of Lease Costs	Three Months Ended March 31, (Dollars in thousands) 2021 2020 Operating lease cost $ 174 $ 158 Short-term lease cost — 2 Variable lease cost 24 14 Total lease cost $ 198 $ 174
Schedule Of Measurement Of Lease Liabilities	Three Months Ended March 31, (Dollars in thousands) 2021 2020 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 162 $ 152 Weighted-average remaining lease term (years) 11.5 12.8 Weighted-average discount rate 3.34 % 3.53 %
Schedule Of Future Minimum Payments Operating Leases	(Dollars in thousands) 2021 $ 494 2022 640 2023 650 2024 628 2025 588 2026 and beyond 3,395 Undiscounted cash flow 6,395 Imputed Interest ( 1,170 ) Total lease liability $ 5,225

Derivatives (Tables)

Derivatives (Tables)	3 Months Ended
	Mar. 31, 2021
Derivatives [Abstract]
Schedule Of Fair Value Of Derivative Instruments	Fair Value of Derivative Instruments Derivative Liabilities (Dollars in thousands) March 31, 2021 December 31, 2020 Notional amount Balance Sheet Location Fair Value Notional amount Balance Sheet Location Fair Value Derivatives not designated as hedging instruments Other Contracts 6,790 Other Liabilities $ 17 6,836 Other Liabilities $ 40 Total derivatives not designated as hedging instruments $ 17 $ 40
Schedule Of Effect Of Derivative Instruments On The Statement Of Income	Effect of Derivatives Not Designated as Hedging Instruments on the Statement of Financial Performance Derivatives Not Designated as Hedging Instruments under Subtopic 815-20 Location of Gain or (Loss) Recognized in Income on Derivative Amount of Gain or (Loss) Recognized in Income on Derivatives (Dollars in thousands) Three Months Ended March 31, 2021 March 31, 2020 Other Contracts Other income $ 23 $ ( 36 )

Pension (Tables)

Pension (Tables)	3 Months Ended
	Mar. 31, 2021
Pension [Abstract]
Schedule Of Net Periodic Pension Costs	Three Months Ended March 31, (Dollars in thousands) 2021 2020 Components of net periodic cost: Service cost $ 99 $ 83 Interest cost 87 131 Expected return on plan assets ( 274 ) ( 269 ) Settlement expense 108 — Recognized net actuarial loss 285 226 Total pension expense $ 305 $ 171

Fair Value Measurements And F_2

Fair Value Measurements And Fair Values Of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2021
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 March 31, 2021 Asset Description Level 1 Level 2 Level 3 Total Equity securities, at fair value $ 444 $ — $ — $ 444 Available for sale: U.S. Government and Agency securities 9,832 11,084 — 20,916 Municipal securities — 237,258 — 237,258 Corporate securities — 22,157 — 22,157 Agency mortgage-backed securities — 85,974 — 85,974 Private-label mortgage-backed securities — 11,949 — 11,949 Asset-backed securities — 43,924 — 43,924 Total assets $ 10,276 $ 412,346 $ — $ 422,622 (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 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
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 (1) Includes assets directly charged-down to fair value during the year-to-date period.
Fair Value Inputs, Assets, Quantitative Information	(Dollars in thousands) Range December 31, 2020 Fair Value Valuation Technique Unobservable Input Weighted Average Impaired loans $ 5,474 Appraisal Appraisal Adjustment on 0 %- 100 % ( 66 %) Non-real estate assets Cost to sell 8 % (1) Includes assets directly charged-down to fair value during the year-to-date period.
Fair Value, By Balance Sheet Grouping	March 31, 2021 Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial assets, carried at cost: Cash and cash equivalents $ 107,622 $ 107,622 $ 107,622 $ — $ — Long-term interest-bearing deposits in other banks 10,995 10,995 10,995 — — Loans held for sale 4,699 4,799 — 4,799 — Net loans 984,797 1,013,427 — — 1,013,427 Accrued interest receivable 6,045 6,045 — — 6,045 Financial liabilities: Deposits $ 1,421,042 $ 1,433,518 $ — $ 1,433,518 $ — Subordinate notes 19,564 20,086 — 20,086 — Accrued interest payable 415 415 — 415 — 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 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 $ — Subordinate notes 19,555 19,750 — 19,750 — Accrued interest payable 180 180 — 180 —

Capital Ratios (Tables)

Capital Ratios (Tables)	3 Months Ended
	Mar. 31, 2021
Capital Ratios [Abstract]
Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements	Regulatory Ratios Adequately Well March 31, December 31, Capitalized Capitalized (Dollars in thousands) 2021 2020 Minimum Minimum Common Equity Tier 1 Risk-based Capital Ratio (1) Franklin Financial Services Corporation 14.80 % 14.32 % N/A N/A Farmers & Merchants Trust Company 14.63 % 14.07 % 4.50 % 6.50 % Tier 1 Risk-based Capital Ratio (2) Franklin Financial Services Corporation 14.80 % 14.32 % N/A N/A Farmers & Merchants Trust Company 14.63 % 14.07 % 6.00 % 8.00 % Total Risk-based Capital Ratio (3) Franklin Financial Services Corporation 18.18 % 17.69 % N/A N/A Farmers & Merchants Trust Company 15.89 % 15.33 % 8.00 % 10.00 % Tier 1 Leverage Ratio (4) Franklin Financial Services Corporation 8.76 % 8.69 % N/A N/A Farmers & Merchants Trust Company 8.65 % 8.54 % 4.00 % 5.00 % (1) Common equity Tier 1 capital/ total risk-weighted assets (2) Tier 1 capital / total risk-weighted assets (3) Total risk-based capital / total risk-weighted assets, (4) Tier 1 capital / average quarterly assets

Commitments And Contingencies (

Commitments And Contingencies (Tables)	3 Months Ended
	Mar. 31, 2021
Commitments And Contingencies [Abstract]
Outstanding Commitments	March 31, December 31, (Dollars in thousands) 2021 2020 Financial instruments whose contract amounts represent credit risk Commercial commitments to extend credit $ 280,806 $ 280,939 Consumer commitments to extend credit (secured) 74,989 71,761 Consumer commitments to extend credit (unsecured) 5,456 5,224 $ 361,251 $ 357,924 Standby letters of credit $ 21,260 $ 22,334

Basis Of Presentation (Details)

Basis Of Presentation (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Basis Of Presentation [Abstract]
Weighted average shares outstanding (basic)	4,396	4,347
Impact of common stock equivalents	19	14
Weighted average shares outstanding (diluted)	4,415	4,361
Anti-dilutive options excluded from calculation	61	50
Net income	$ 4,830	$ 1,719
Basic earnings per share	$ 1.10	$ 0.40
Diluted earnings per share	$ 1.09	$ 0.39

Recent Accounting Pronounceme_3

Recent Accounting Pronouncements (Recent Accounting Pronouncements) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Recent Accounting Pronouncements [Abstract]
Right of use asset	$ 5,153,000	$ 5,272,000

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss) [Line Items]
AOCI, Net of tax amount	$ 140,699,000	$ 145,176,000	$ 129,005,000	$ 127,528,000
Debt Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
AOCI, Before tax	1,994,000	12,571,000
AOCI, Tax effect	(419,000)	(2,640,000)
AOCI, Net of tax amount	1,575,000	9,931,000
Pension [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
AOCI, Before tax	(8,533,000)	(8,533,000)
AOCI, Tax effect	1,792,000	1,792,000
AOCI, Net of tax amount	(6,741,000)	(6,741,000)
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
AOCI, Net of tax amount	$ (5,166,000)	$ 3,190,000	$ (4,360,000)	$ (5,986,000)

Investments (Narrative) (Detail

Investments (Narrative) (Details)	3 Months Ended
	Mar. 31, 2021USD ($)item	Dec. 31, 2020USD ($)item
Schedule of Available-for-sale Securities [Line Items]
Fair Value	$ 422,178,000	$ 396,940,000
Number of temporarily impaired securities | item	205	102
Unrealized Losses	$ 5,552,000	$ 701,000
Restricted stock	468,000	468,000
Equity securities	$ 444,000	391,000
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of temporarily impaired securities | item	205
Temporarily impaired fair value	$ 178,600,000
Unrealized Losses	5,600,000	4,900,000
Public Funds And Trust Deposits [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value	$ 129,100,000	$ 137,400,000

Investments (Unrealized Gain (L

Investments (Unrealized Gain (Loss) On Investments) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 420,184,000	$ 384,369,000
Gross unrealized gains	7,546,000	13,272,000
Gross unrealized losses	(5,552,000)	(701,000)
Fair Value	422,178,000	396,940,000
U.S. Government And Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	21,070,000	12,594,000
Gross unrealized gains	16,000	20,000
Gross unrealized losses	(170,000)	(40,000)
Fair Value	20,916,000	12,574,000
Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	235,808,000	236,253,000
Gross unrealized gains	5,582,000	11,020,000
Gross unrealized losses	(4,132,000)	(219,000)
Fair Value	237,258,000	247,054,000
Corporate Securities
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	22,268,000	20,421,000
Gross unrealized gains	153,000	22,000
Gross unrealized losses	(264,000)	(155,000)
Fair Value	22,157,000	20,288,000
Agency Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	85,429,000	70,443,000
Gross unrealized gains	1,360,000	1,905,000
Gross unrealized losses	(815,000)	(107,000)
Fair Value	85,974,000	72,241,000
Private-Label Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	11,966,000	8,412,000
Gross unrealized gains	45,000	56,000
Gross unrealized losses	(62,000)	(15,000)
Fair Value	11,949,000	8,453,000
Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	43,643,000	36,246,000
Gross unrealized gains	390,000	249,000
Gross unrealized losses	(109,000)	(165,000)
Fair Value	$ 43,924,000	$ 36,330,000

Investments (Amortized Cost And

Investments (Amortized Cost And Fair Value Of Debt Securities, By Contractual Maturity) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Investments [Abstract]
Due in one year or less, Amortized cost	$ 2,361,000
Due after one year through five years, Amortized cost	21,738,000
Due after five years through ten years, Amortized cost	174,745,000
Due after ten years, Amortized cost	80,302,000
Amortized Cost Contractual Maturities Subtotal	279,146,000
Mortgage-backed securities, Amortized cost	141,038,000
Available-for-sale Securities, Debt Maturities, Amortized cost	420,184,000
Due in one year or less, Fair value	2,367,000
Due after one year through five years, Fair value	22,274,000
Due after five years through ten years, Fair value	178,862,000
Due after ten years, Fair value	76,828,000
Fair Value Contractual Maturities Subtotal	280,331,000
Mortgage-backed securities, Fair value	141,847,000
Available-for-sale Securities, Debt Securities, Fair Value	$ 422,178,000	$ 396,940,000

Investments (Composition Of Net

Investments (Composition Of Net Realized Securities Gains) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)
Investments [Abstract]
Proceeds	$ 165
Gross losses realized	(10)
Net gains (losses) realized	(10)
Tax (provision) benefit on net gains (losses) realized	$ 2

Investments (Schedule Of Unreal

Investments (Schedule Of Unrealized Loss On Investments) (Details)	Mar. 31, 2021USD ($)item	Dec. 31, 2020USD ($)item
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 158,713,000	$ 60,918,000
Less than 12 months: Unrealized Losses	$ (5,339,000)	$ (405,000)
Less than 12 months: Count | item	173	67
12 months or more: Fair Value	$ 19,922,000	$ 22,032,000
12 months or more: Unrealized Losses	$ (213,000)	$ (296,000)
12 months or more: Count | item	32	35
Fair Value	$ 178,635,000	$ 82,950,000
Unrealized Losses	$ (5,552,000)	$ (701,000)
Count | item	205	102
U.S. Government And Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 9,832,000	$ 3,966,000
Less than 12 months: Unrealized Losses	$ (134,000)	$ (21,000)
Less than 12 months: Count | item	7	5
12 months or more: Fair Value	$ 7,629,000	$ 4,185,000
12 months or more: Unrealized Losses	$ (36,000)	$ (19,000)
12 months or more: Count | item	15	11
Fair Value	$ 17,461,000	$ 8,151,000
Unrealized Losses	$ (170,000)	$ (40,000)
Count | item	22	16
Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 97,958,000	$ 27,022,000
Less than 12 months: Unrealized Losses	$ (4,132,000)	$ (219,000)
Less than 12 months: Count | item	107	28
Fair Value	$ 97,958,000	$ 27,022,000
Unrealized Losses	$ (4,132,000)	$ (219,000)
Count | item	107	28
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Unrealized Losses	$ (5,600,000)	$ (4,900,000)
Count | item	205
Corporate Securities
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 9,677,000	7,576,000
Less than 12 months: Unrealized Losses	$ (173,000)	$ (37,000)
Less than 12 months: Count | item	19	13
12 months or more: Fair Value	$ 2,806,000	$ 3,040,000
12 months or more: Unrealized Losses	$ (91,000)	$ (118,000)
12 months or more: Count | item	3	4
Fair Value	$ 12,483,000	$ 10,616,000
Unrealized Losses	$ (264,000)	$ (155,000)
Count | item	22	17
Agency Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 31,182,000	$ 18,390,000
Less than 12 months: Unrealized Losses	$ (809,000)	$ (101,000)
Less than 12 months: Count | item	32	17
12 months or more: Fair Value	$ 1,504,000	$ 3,355,000
12 months or more: Unrealized Losses	$ (6,000)	$ (6,000)
12 months or more: Count | item	3	5
Fair Value	$ 32,686,000	$ 21,745,000
Unrealized Losses	$ (815,000)	$ (107,000)
Count | item	35	22
Private-Label Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 6,828,000	$ 2,506,000
Less than 12 months: Unrealized Losses	$ (62,000)	$ (15,000)
Less than 12 months: Count | item	5	2
Fair Value	$ 6,828,000	$ 2,506,000
Unrealized Losses	$ (62,000)	$ (15,000)
Count | item	5	2
Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 3,236,000	$ 1,458,000
Less than 12 months: Unrealized Losses	$ (29,000)	$ (12,000)
Less than 12 months: Count | item	3	2
12 months or more: Fair Value	$ 7,983,000	$ 11,452,000
12 months or more: Unrealized Losses	$ (80,000)	$ (153,000)
12 months or more: Count | item	11	15
Fair Value	$ 11,219,000	$ 12,910,000
Unrealized Losses	$ (109,000)	$ (165,000)
Count | item	14	17

Investments (Other Than Tempora

Investments (Other Than Temporary Impairment, Credit Losses Recognized In Earnings) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Investments [Abstract]
Beginning balance of cumulative credit-related OTTI	$ 272,000	$ 272,000
Reduction for increases in cash flows expected to be collected	(15,000)
Ending balance of credit-related OTTI	$ 257,000	$ 272,000

Loans (Narrative) (Details)

Loans (Narrative) (Details)	3 Months Ended
	Mar. 31, 2021
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 ($)	Mar. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,000,933,000	$ 1,009,704,000
Less: Allowance for loan losses	(16,136,000)	(16,789,000)
Net Loans	984,797,000	992,915,000
Loans pledged as collateral for borrowings and commitments from: FHLB	695,190,000	840,850,000
Loans pledged as collateral for borrowings and commitments from :Federal Reserve Bank	50,682,000	50,605,000
Total	745,872,000	891,455,000
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	197,960,000	202,584,000
Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	18,618,000	16,309,000
Less: Allowance for loan losses	(318,000)	(294,000)
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	493,544,000	503,977,000
Less: Allowance for loan losses	(8,785,000)	(9,163,000)
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	283,705,000	281,257,000
Less: Allowance for loan losses	(5,473,000)	(5,679,000)
Total Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	777,249,000	785,234,000
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	7,106,000	5,577,000
Less: Allowance for loan losses	(113,000)	(97,000)
Consumer First Liens [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	73,991,000	77,373,000
Consumer Junior Liens And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	61,707,000	60,935,000
Consumer [Member] | Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	7,804,000	6,751,000
Commercial First Lien [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	58,018,000	59,851,000
Commercial Junior Liens And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	4,244,000	4,425,000
Commercial [Member] | Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	10,814,000	9,558,000
First Liens [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	132,009,000	137,224,000
Less: Allowance for loan losses	(447,000)	(555,000)
Junior Lines And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 65,951,000	$ 65,360,000

Loan Quality And Allowance Fo_3

Loan Quality And Allowance For Loan Losses (Narrative) (Details) $ in Millions	3 Months Ended
	Mar. 31, 2021USD ($)
Loan Quality And Allowance For Loan Losses [Abstract]
Short-term Modification Period	6 months
Loan Deferral Or Modification, Granted, Amount	$ 68.1
Loan Deferral Or Modification Granted, Percentage Of Gross Loans	7.00%

Loan Quality And Allowance Fo_4

Loan Quality And Allowance For Loan Losses (Allowance For Loan Losses, By Loan Segment) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	$ 16,789,000	$ 11,966,000
Charge-offs	(36,000)	(250,000)
Recoveries	183,000	14,000
Provision	(800,000)	3,000,000
Allowance, Ending Balance	16,136,000	14,730,000
Loans evaluated for allowance individually	17,142,000		$ 17,253,000
Loans evaluated for allowance collectively	983,791,000		992,451,000
Total Loans	1,000,933,000		1,009,704,000
Allowance established for loans evaluated individually	228,000		228,000
Allowance established for loan evaluated collectively	15,908,000		16,561,000
Total Allowance	16,136,000		16,789,000
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans	197,960,000		202,584,000
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	294,000	186,000
Provision	24,000	82,000
Allowance, Ending Balance	318,000	268,000
Loans evaluated for allowance individually	511,000		512,000
Loans evaluated for allowance collectively	18,107,000		15,797,000
Total Loans	18,618,000		16,309,000
Allowance established for loan evaluated collectively	318,000		294,000
Total Allowance	318,000		294,000
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	9,163,000	6,607,000
Charge-offs	(13,000)
Provision	(365,000)	1,660,000
Allowance, Ending Balance	8,785,000	8,267,000
Loans evaluated for allowance individually	16,000,000		16,104,000
Loans evaluated for allowance collectively	477,544,000		487,873,000
Total Loans	493,544,000		503,977,000
Allowance established for loans evaluated individually	228,000		228,000
Allowance established for loan evaluated collectively	8,557,000		8,935,000
Total Allowance	8,785,000		9,163,000
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	5,679,000	4,022,000
Charge-offs	(5,000)	(220,000)
Recoveries	7,000	5,000
Provision	(208,000)	889,000
Allowance, Ending Balance	5,473,000	4,696,000
Loans evaluated for allowance collectively	283,705,000		281,257,000
Total Loans	283,705,000		281,257,000
Allowance established for loan evaluated collectively	5,473,000		5,679,000
Total Allowance	5,473,000		5,679,000
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	97,000	84,000
Charge-offs	(18,000)	(30,000)
Recoveries	7,000	6,000
Provision	27,000	38,000
Allowance, Ending Balance	113,000	98,000
Loans evaluated for allowance collectively	7,106,000		5,577,000
Total Loans	7,106,000		5,577,000
Allowance established for loan evaluated collectively	113,000		97,000
Total Allowance	113,000		97,000
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	775,000	532,000
Provision	14,000	128,000
Allowance, Ending Balance	789,000	660,000
Allowance established for loan evaluated collectively	789,000		775,000
Total Allowance	789,000		775,000
First Liens [Member] | Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	555,000	416,000
Recoveries		3,000
Provision	(108,000)	144,000
Allowance, Ending Balance	447,000	563,000
Loans evaluated for allowance individually	631,000		637,000
Loans evaluated for allowance collectively	131,378,000		136,587,000
Total Loans	132,009,000		137,224,000
Allowance established for loan evaluated collectively	447,000		555,000
Total Allowance	447,000		555,000
Junior Liens & Lines Of Credit [Member] | Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	226,000	119,000
Recoveries	169,000
Provision	(184,000)	59,000
Allowance, Ending Balance	211,000	$ 178,000
Loans evaluated for allowance collectively	65,951,000		65,360,000
Total Loans	65,951,000		65,360,000
Allowance established for loan evaluated collectively	211,000		226,000
Total Allowance	$ 211,000		$ 226,000

Loan Quality And Allowance Fo_5

Loan Quality And Allowance For Loan Losses (Impaired Financing Receivables) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	$ 11,401		$ 11,551
Unpaid Principal Balance With No Allowance	12,347		12,473
Recorded Investment With Allowance	5,741		5,702
Unpaid Principal Balance With Allowance	5,741		5,702
Related Allowance	228		228
Average Recorded Investment	17,189	$ 12,076
Interest Income Recognized	99	104
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	631		637
Unpaid Principal Balance With No Allowance	631		637
Average Recorded Investment	634	656
Interest Income Recognized	8	10
Residential Real Estate [Member] | First Liens [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	631		637
Unpaid Principal Balance With No Allowance	631		637
Average Recorded Investment	634	656
Interest Income Recognized	8	10
Residential Real Estate - Construction [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	511		512
Unpaid Principal Balance With No Allowance	729		729
Average Recorded Investment	512	521
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	10,259		10,402
Unpaid Principal Balance With No Allowance	10,987		11,107
Recorded Investment With Allowance	5,741		5,702
Unpaid Principal Balance With Allowance	5,741		5,702
Related Allowance	228		$ 228
Average Recorded Investment	16,043	10,899
Interest Income Recognized	$ 91	$ 94

Loan Quality And Allowance Fo_6

Loan Quality And Allowance For Loan Losses (Aging Of Payments Of The Loan Portfolio) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	$ 413,000	$ 871,000
Non-accrual loans	8,835,000	8,704,000
Total Loans	1,000,933,000	1,009,704,000
Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	991,685,000	1,000,129,000
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	372,000	489,000
60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	40,000	344,000
90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	1,000	38,000
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	348,000	265,000
Non-accrual loans	50,000	51,000
Total Loans	197,960,000	202,584,000
Residential Real Estate [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	197,562,000	202,268,000
Residential Real Estate [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	310,000	158,000
Residential Real Estate [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	38,000	81,000
Residential Real Estate [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans		26,000
Residential Real Estate [Member] | First Liens [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	174,000	127,000
Non-accrual loans	41,000	41,000
Total Loans	132,009,000	137,224,000
Residential Real Estate [Member] | First Liens [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	131,794,000	137,056,000
Residential Real Estate [Member] | First Liens [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	174,000	43,000
Residential Real Estate [Member] | First Liens [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans		58,000
Residential Real Estate [Member] | First Liens [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans		26,000
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	174,000	138,000
Non-accrual loans	9,000	10,000
Total Loans	65,951,000	65,360,000
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	65,768,000	65,212,000
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	136,000	115,000
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	38,000	23,000
Residential Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	511,000	512,000
Total Loans	18,618,000	16,309,000
Residential Real Estate - Construction [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	18,107,000	15,797,000
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans		335,000
Non-accrual loans	8,167,000	8,033,000
Total Loans	493,544,000	503,977,000
Commercial Real Estate [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	485,377,000	495,609,000
Commercial Real Estate [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans		74,000
Commercial Real Estate [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans		261,000
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	50,000	219,000
Non-accrual loans	107,000	108,000
Total Loans	283,705,000	281,257,000
Commercial [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	283,548,000	280,930,000
Commercial [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	50,000	219,000
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	15,000	52,000
Total Loans	7,106,000	5,577,000
Consumer [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	7,091,000	5,525,000
Consumer [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	12,000	38,000
Consumer [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	2,000	2,000
Consumer [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	$ 1,000	$ 12,000

Loan Quality And Allowance Fo_7

Loan Quality And Allowance For Loan Losses (Internal Credit Rating For The Loan Portfolio) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	$ 1,000,933,000	$ 1,009,704,000
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	935,144,000	943,618,000
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	46,448,000	46,645,000
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	19,341,000	19,441,000
Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	197,960,000	202,584,000
Residential Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	197,910,000	202,506,000
Residential Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	50,000	78,000
Residential Real Estate [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member] | First Liens [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	132,009,000	137,224,000
Residential Real Estate [Member] | First Liens [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	131,968,000	137,156,000
Residential Real Estate [Member] | First Liens [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	41,000	68,000
Residential Real Estate [Member] | First Liens [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	65,951,000	65,360,000
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	65,942,000	65,350,000
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	9,000	10,000
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	18,618,000	16,309,000
Residential Real Estate - Construction [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	18,107,000	15,797,000
Residential Real Estate - Construction [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	511,000	512,000
Residential Real Estate - Construction [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	493,544,000	503,977,000
Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	438,443,000	449,478,000
Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	36,607,000	35,947,000
Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	18,494,000	18,552,000
Commercial Real Estate [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	283,705,000	281,257,000
Commercial [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	273,579,000	270,272,000
Commercial [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	9,841,000	10,698,000
Commercial [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	285,000	287,000
Commercial [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	7,106,000	5,577,000
Consumer [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	7,105,000	5,565,000
Consumer [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	1,000	12,000
Consumer [Member] | Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount

Loan Quality And Allowance Fo_8

Loan Quality And Allowance For Loan Losses (Troubled Debt Restructuring Loans) (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2020USD ($)itemcontract	Mar. 31, 2021USD ($)contract
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		19	19
Troubled Debt Restructurings: Recorded Investment		$ 11,011	$ 10,861
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
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
Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	10,803	9,974
Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 208	$ 887
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	$ 433
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Residential Real Estate - Construction [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 434	$ 433
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		4	4
Troubled Debt Restructurings: Recorded Investment		$ 637	$ 631
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Residential Real Estate [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 637	$ 631
Commercial Real Estate - Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		4	4
Troubled Debt Restructurings: Recorded Investment		$ 1,224	$ 1,213
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
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
Commercial Real Estate - Owner Occupied [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 1,224	$ 1,213
Commercial Real Estate - Farm Land [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		6	6
Troubled Debt Restructurings: Recorded Investment		$ 2,257	$ 2,224
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
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
Commercial Real Estate - Farm Land [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 2,257	1,542
Commercial Real Estate - Farm Land [Member] | Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]		$ 682
Commercial Real Estate - Construction And Land [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		2	2
Troubled Debt Restructurings: Recorded Investment		$ 6,129	$ 6,038
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Commercial Real Estate - Construction And Land [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 6,129	$ 6,038
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract		2	2
Troubled Debt Restructurings: Recorded Investment		$ 330	$ 322
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract
Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment
Commercial Real Estate [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	122	117
Commercial Real Estate [Member] | Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	[1]	$ 208	$ 205
[1]	The performing status is determined by the loan’s compliance with the modified terms .

Leases (Narrative) (Details)

Leases (Narrative) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Right of use asset	$ 5,153,000	$ 5,272,000
Lease liability	$ 5,225,000	$ 5,332,000

Leases (Schedule Of Lease Costs

Leases (Schedule Of Lease Costs) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Leases [Abstract]
Operating lease cost	$ 174	$ 158
Short-term lease cost		2
Variable lease cost	24	14
Total lease cost	$ 198	$ 174

Leases (Schedule Of Measurement

Leases (Schedule Of Measurement Of Lease Liabilities) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Leases [Abstract]
Operating cash flows from operating leases	$ 162	$ 152
Weighted-average remaining lease term (years)	11 years 6 months	12 years 9 months 18 days
Weighted-average discount rate	3.34%	3.53%

Leases (Schedule Of Future Mini

Leases (Schedule Of Future Minimum Payments Operating Leases) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Leases [Abstract]
2021	$ 494,000
2022	640,000
2023	650,000
2024	628,000
2025	588,000
2026 and beyond	3,395,000
Undiscounted cash flow	6,395,000
Imputed Interest	(1,170,000)
Total lease liability	$ 5,225,000	$ 5,332,000

Other Real Estate Owned (Detail

Other Real Estate Owned (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Other Real Estate Owned [Abstract]
Other real estate owned	$ 0	$ 0
Balance at the end of the period	$ 0

Derivatives (Narrative) (Detail

Derivatives (Narrative) (Details) $ in Thousands	Mar. 31, 2021USD ($)
Derivatives [Abstract]
Derivative, net	$ 17

Derivatives (Schedule Of Fair V

Derivatives (Schedule Of Fair Value Of Derivative Instruments) (Details) - Not Designated as Hedging Instrument [Member] - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Fair Value	$ 17	$ 40
Other Contracts [Member]
Derivatives, Fair Value [Line Items]
Notional Amount	6,790	6,836
Fair Value	$ 17	$ 40

Derivatives (Schedule Of Effect

Derivatives (Schedule Of Effect Of Derivative Instruments On The Statement Of Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Other Contracts [Member] | Other Income (Expense) [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivatives	$ 23	$ (36)

Pension (Narrative) (Details)

Pension (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Pension [Abstract]
Pension expense	$ 305	$ 171

Pension (Schedule Of Net Period

Pension (Schedule Of Net Periodic Pension Costs) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Pension [Abstract]
Service cost	$ 99	$ 83
Interest cost	87	131
Expected return on plan assets	(274)	(269)
Settlement expense	108
Recognized net actuarial loss	285	226
Total pension expense	$ 305	$ 171

Fair Value Measurements And F_3

Fair Value Measurements And Fair Values Of Financial Instruments (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Derivative liabilities	$ 17,000	$ 40,000
Total liabilities	0
Assets, Level 1 to Level 2 Transfers	0
Liabilities, Level 1 to Level 2 Transfers	0
Partial charge-offs on impaired loans	0
Fair Value, Nonrecurring [Member]
Assets, Fair Value Disclosure	$ 0	$ 5,474,000

Fair Value Measurements And F_4

Fair Value Measurements And Fair Values Of Financial Instruments (Schedule Of Fair Value, Assets And Liabilities Measured On Recurring Basis) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	$ 444,000	$ 391,000
Available for sale	422,178,000	396,940,000
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	422,622,000	397,331,000
Level 1 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	10,276,000	391,000
Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	412,346,000	396,940,000
Equity Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	444,000	391,000
Equity Securities [Member] | Level 1 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	444,000	391,000
U.S. Government And Agency Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	20,916,000	12,574,000
U.S. Government And Agency Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	20,916,000	12,574,000
U.S. Government And Agency Securities [Member] | Level 1 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	9,832,000
U.S. Government And Agency Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	11,084,000	12,574,000
Municipal Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	237,258,000	247,054,000
Municipal Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	237,258,000	247,054,000
Municipal Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	237,258,000	247,054,000
Corporate Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	22,157,000	20,288,000
Corporate Securities | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	22,157,000	20,288,000
Corporate Securities | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	22,157,000	20,288,000
Agency Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	85,974,000	72,241,000
Agency Mortgage-Backed Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	85,974,000	72,241,000
Agency Mortgage-Backed Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	85,974,000	72,241,000
Private-Label Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	11,949,000	8,453,000
Private-Label Mortgage-Backed Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	11,949,000	8,453,000
Private-Label Mortgage-Backed Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	11,949,000	8,453,000
Asset-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	43,924,000	36,330,000
Asset-Backed Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	43,924,000	36,330,000
Asset-Backed Securities [Member] | Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	$ 43,924,000	$ 36,330,000

Fair Value Measurements And F_5

Fair Value Measurements And Fair Values Of Financial Instruments (Schedule Of Fair Value On A Nonrecurring Basis) (Details) - Fair Value, Nonrecurring [Member] - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 0	$ 5,474,000
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		5,474,000
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		5,474,000
Impaired Loans [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure		$ 5,474,000

Fair Value Measurements And F_6

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value Inputs, Assets, Quantitative Information) (Details) - Impaired Loans [Member] - Significant Unobservable Inputs (Level 3) [Member] $ in Thousands	Dec. 31, 2020USD ($)
Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 5,474
Cost To Sell [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	8.00%
Minimum [Member] | Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	0.00%
Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	100.00%
Weighted Average [Member] | Appraisal Adjustment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	66.00%

Fair Value Measurements And F_7

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value, By Balance Sheet Grouping) (Details) - USD ($)	Mar. 31, 2021	Dec. 31, 2020
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt securities available for sale, at fair value	$ 422,178,000	$ 396,940,000
Equity securities, at fair value	444,000	391,000
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	107,622,000	57,146,000
Long-term interest-bearing deposits in other banks	10,995,000	12,741,000
Loans held for sale	4,699,000	9,446,000
Net loans	984,797,000	992,915,000
Accrued interest receivable	6,045,000	6,410,000
Deposits	1,421,042,000	1,354,573,000
Subordinate notes	19,564,000	19,555,000
Accrued interest payable	415,000	180,000
Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	107,622,000	57,146,000
Long-term interest-bearing deposits in other banks	10,995,000	12,741,000
Loans held for sale	4,799,000	9,446,000
Net loans	1,013,427,000	990,867,000
Accrued interest receivable	6,045,000	6,410,000
Deposits	1,433,518,000	1,355,086,000
Subordinate notes	20,086,000	19,750,000
Accrued interest payable	415,000	180,000
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	107,622,000	57,146,000
Long-term interest-bearing deposits in other banks	10,995,000	12,741,000
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	4,799,000	9,446,000
Deposits	1,433,518,000	1,355,086,000
Subordinate notes	20,086,000	19,750,000
Accrued interest payable	415,000	180,000
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Net loans	1,013,427,000	990,867,000
Accrued interest receivable	$ 6,045,000	$ 6,410,000

Subordinated Notes (Narrative)

Subordinated Notes (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Subordinate notes	$ 19,564,000	$ 19,555,000
Debt issuance costs	$ 435,700,000
Redemption period	5 years
Minimum [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Amortization period	5 years
Maximum [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Amortization period	10 years
Maturing September 1, 2030 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Subordinate notes	$ 15,000,000
Maturing September 1, 2035 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Subordinate notes	5,000,000
Through September 1, 2025 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Subordinate notes	$ 15,000,000
Interest rate	5.00%
After September 1, 2025 [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%
Through September 1, 2030 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Subordinate notes	$ 5,000,000
Interest rate	5.25%
After 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	4.92%
Subordinated Debt [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Subordinate notes	$ 20,000,000

Capital Ratios (Narrative) (Det

Capital Ratios (Narrative) (Details) $ in Billions	3 Months Ended	12 Months Ended
	Mar. 31, 2021USD ($)	Dec. 31, 2020
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Debt Instrument, Redemption Period	5 years
Capital Ratios, Basel III, Capital Conservation Buffer, Year Three	2.50%
Community Bank Leverage Ratio, Minimum		9.00%
Paycheck Protection Program, Risk-Weight For Risk-Based Capital Rules	0.00%
Consolidated asset limit on small bank holding companies	$ 3
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	14.63	14.07
Tier One Leverage Capital to Average Assets	8.65	8.54
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
Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio	5
Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	10
Capital ratios, capital conservation buffer	7.89%
Total Risk-based Capital Ratio: Ratio	15.89	15.33

Capital Ratios (Schedule Of The

Capital Ratios (Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements) (Details)	Mar. 31, 2021	Dec. 31, 2020
Franklin Financial Services Corporation [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	14.80	14.32
Tier 1 Risk-based Capital Ratio: Ratio	14.80	14.32
Total Risk-based Capital Ratio: Ratio	18.18	17.69
Tier 1 Leverage Ratio: Ratio	8.76	8.69
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	14.63	14.07
Common Equity Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	4.50
Common Equity Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	6.50%
Tier 1 Risk-based Capital Ratio: Ratio	14.63	14.07
Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	6
Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	8
Total Risk-based Capital Ratio: Ratio	15.89	15.33
Total Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio	8
Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio	10
Tier 1 Leverage Ratio: Ratio	8.65	8.54
Tier 1 Leverage Ratio: Adequately Capitalized Minimum: Ratio	4
Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio	5

Revenue Recognition (Narrative)

Revenue Recognition (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 1,636	$ 1,445
Estate management services Fees recognition period	18 months
Asset Management Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 1,500	1,500
Estate Management Services Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	84	33
Commisions [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 37	$ 74

Commitments And Contingencies_2

Commitments And Contingencies (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Mar. 31, 2021
Commitments And Contingencies [Abstract]
Allowance against letters of credit	$ 2,400	$ 2,100
Letters of credit cancelled		$ 250

Commitments And Contingencies_3

Commitments And Contingencies (Outstanding Commitments ) (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Commercial Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 280,806	$ 280,939
Consumer Commitments To Extend Credit (Secured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	74,989	71,761
Consumer Commitments To Extend Credit (Unsecured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	5,456	5,224
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	361,251	357,924
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 21,260	$ 22,334