Franklin Financial Services (FRAF) 10-Q 8 Nov 21 2021 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2021	Oct. 31, 2021
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 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
Trading Symbol	FRAF
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,432,298
Entity Central Index Key	0000723646
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q3
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 20,477,000	$ 17,059,000
Short-term interest-bearing deposits in other banks	78,416,000	40,087,000
Total cash and cash equivalents	98,893,000	57,146,000
Long-term interest-bearing deposits in other banks	10,742,000	12,741,000
Debt securities available for sale, at fair value	545,788,000	396,940,000
Equity securities	473,000	391,000
Restricted stock	495,000	468,000
Loans held for sale	4,114,000	9,446,000
Loans	1,018,168,000	1,009,704,000
Allowance for loan losses	(15,366,000)	(16,789,000)
Net Loans	1,002,802,000	992,915,000
Premises and equipment, net	18,063,000	13,105,000
Right of use asset	4,892,000	5,272,000
Bank owned life insurance	22,076,000	22,288,000
Goodwill	9,016,000	9,016,000
Deferred tax asset, net	3,632,000	2,401,000
Other assets	11,455,000	12,909,000
Total assets	1,732,441,000	1,535,038,000
Deposits
Noninterest-bearing checking	311,770,000	259,060,000
Money management, savings and interest checking	1,162,081,000	1,019,348,000
Time	70,444,000	76,165,000
Total deposits	1,544,295,000	1,354,573,000
Subordinated notes	19,581,000	19,555,000
Lease liability	4,981,000	5,332,000
Other liabilities	10,746,000	10,402,000
Total liabilities	1,579,603,000	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 4,431,447 shares outstanding at September 30, 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	42,949,000	42,589,000
Retained earnings	114,378,000	102,520,000
Accumulated other comprehensive (loss) income	(2,173,000)	3,190,000
Treasury stock, 279,425 shares at September 30, 2021 and 321,517 shares at December 31, 2020, at cost	(7,027,000)	(7,834,000)
Total shareholders' equity	152,838,000	145,176,000
Total liabilities and shareholders' equity	$ 1,732,441,000	$ 1,535,038,000

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 2021	Dec. 31, 2020
Consolidated Balance Sheets [Abstract]
Common Stock, Par 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	4,431,447	4,389,355
Capital Stock, No Par Value
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	279,425	321,517

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Interest income
Loans, including fees	$ 9,805	$ 9,499	$ 28,373	$ 29,346
Interest and dividends on investments:
Taxable interest	1,906	1,159	5,284	3,270
Tax exempt interest	526	504	1,588	1,028
Dividend income	1	3	17	12
Interesting-bearing deposits in other banks	66	72	178	412
Total interest income	12,304	11,237	35,440	34,068
Interest expense
Deposits	447	687	1,390	2,933
Subordinate notes	263	167	788	167
Total interest expense	710	854	2,178	3,100
Net interest income	11,594	10,383	33,262	30,968
Provision for (recovery of) loan losses		375	(1,900)	5,350
Net interest income after provision for loan losses	11,594	10,008	35,162	25,618
Noninterest income
Investment and trust services fees	1,740	1,433	5,282	4,469
Loan service charges	224	206	647	620
Gain on sale of loans	529	504	1,866	876
Deposit service charges and fees	674	497	1,613	1,459
Other service charges and fees	397	382	1,214	1,065
Debit card income	550	491	1,642	1,347
Increase in cash surrender value of Bank owned life insurance	109	110	336	346
Bank owned life insurance gain	147		147	812
Gains (losses) on sales of debt securities		(16)	91	(26)
Change in fair value of equity securities	(9)	(39)	83	(139)
Gain on sale of premises	1,776		1,776
Other	45	35	202	74
Total noninterest income	6,182	3,603	14,899	10,903
Noninterest Expense
Salaries and employee benefits	5,958	5,421	17,861	16,337
Net occupancy	908	838	2,675	2,533
Marketing and advertising	413	384	1,153	1,303
Legal and professional	579	499	1,552	1,324
Data processing	1,040	871	2,857	2,511
Pennsylvania bank shares tax	308	263	708	701
FDIC Insurance	181	128	563	276
ATM/debit card processing	342	285	967	828
Telecommunications	101	110	314	323
Nonservice pension	257	88	651	176
Other	899	762	1,964	2,509
Total noninterest expense	10,986	9,649	31,265	28,821
Income before federal income taxes	6,790	3,962	18,796	7,700
Federal income tax expense (benefit)	928	500	2,833	(548)
Net income	$ 5,862	$ 3,462	$ 15,963	$ 8,248
Per share
Basic earnings per share	$ 1.32	$ 0.79	$ 3.61	$ 1.90
Diluted earnings per share	$ 1.31	$ 0.79	$ 3.60	$ 1.89

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 5,862	$ 3,462	$ 15,963	$ 8,248
Debt Securities:
Unrealized (losses) gains arising during the period	(3,819)	2,631	(6,698)	9,283
Reclassification adjustment for losses (gains) included in net income		16	(91)	26
Net unrealized (losses) gains	(3,819)	2,647	(6,789)	9,309
Tax effect	802	(555)	1,426	(1,956)
Net of tax amount	(3,017)	2,092	(5,363)	7,353
Total other comprehensive (loss) income	(3,017)	2,092	(5,363)	7,353
Total Comprehensive Income	$ 2,845	$ 5,554	$ 10,600	$ 15,601

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			8,248,000			8,248,000
Other comprehensive income				7,353,000		7,353,000
Cash dividends declared			(3,914,000)			(3,914,000)
Acquisition of treasury stock					$ (1,172,000)	(1,172,000)
Acquisition of treasury stock, shares					(36,401)
Treasury shares issued under dividend reinvestment plan		78,000			$ 1,284,000	1,362,000
Treasury shares issued under dividend reinvestment plan, shares	52,928
Stock Compensation Plans:
Treasury shares issued		1,000			9,000	10,000
Treasury shares issued, shares	364
Common shares issued	$ 1,000	17,000				18,000
Common shares issued, shares	1,023
Compensation expense		141,000				141,000
Balance at Sep. 30, 2020	$ 4,711,000	42,505,000	99,280,000	1,367,000	(8,289,000)	139,574,000
Balance, shares at Sep. 30, 2020	4,370,667
Balance at Jun. 30, 2020	$ 4,711,000	42,461,000	97,124,000	(725,000)	(8,731,000)	134,840,000
Balance, shares at Jun. 30, 2020	4,352,484
Net income			3,462,000			3,462,000
Other comprehensive income				2,092,000		2,092,000
Cash dividends declared			(1,306,000)			(1,306,000)
Treasury shares issued under dividend reinvestment plan		(13,000)			435,000	422,000
Treasury shares issued under dividend reinvestment plan, shares	17,840
Stock Compensation Plans:
Treasury shares issued					7,000	7,000
Treasury shares issued, shares	293
Common shares issued		1,000				1,000
Common shares issued, shares	50
Compensation expense		56,000				56,000
Balance at Sep. 30, 2020	$ 4,711,000	42,505,000	99,280,000	1,367,000	(8,289,000)	139,574,000
Balance, shares at Sep. 30, 2020	4,370,667
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			15,963,000			$ 15,963,000
Other comprehensive income				(5,363,000)		(5,363,000)
Cash dividends declared			(4,105,000)			(4,105,000)
Acquisition of treasury stock					$ (1,105,000)	(1,105,000)
Acquisition of treasury stock, shares					(35,718)
Treasury shares issued under dividend reinvestment plan		381,000			$ 1,630,000	2,011,000
Treasury shares issued under dividend reinvestment plan, shares	66,235
Stock Compensation Plans:
Treasury shares issued		(182,000)			282,000	100,000
Treasury shares issued, shares	11,575
Compensation expense		161,000				161,000
Balance at Sep. 30, 2021	$ 4,711,000	42,949,000	114,378,000	(2,173,000)	(7,027,000)	$ 152,838,000
Balance, shares at Sep. 30, 2021	4,431,447					4,431,447
Balance at Jun. 30, 2021	$ 4,711,000	42,774,000	109,930,000	844,000	(7,103,000)	$ 151,156,000
Balance, shares at Jun. 30, 2021	4,425,092
Net income			5,862,000			5,862,000
Other comprehensive income				(3,017,000)		(3,017,000)
Cash dividends declared			(1,414,000)			(1,414,000)
Acquisition of treasury stock					$ (387,000)	(387,000)
Acquisition of treasury stock, shares					(12,089)
Treasury shares issued under dividend reinvestment plan		129,000			$ 458,000	587,000
Treasury shares issued under dividend reinvestment plan, shares	18,226
Stock Compensation Plans:
Treasury shares issued					5,000	5,000
Treasury shares issued, shares	218
Compensation expense		46,000				46,000
Balance at Sep. 30, 2021	$ 4,711,000	$ 42,949,000	$ 114,378,000	$ (2,173,000)	$ (7,027,000)	$ 152,838,000
Balance, shares at Sep. 30, 2021	4,431,447					4,431,447

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Consolidated Statements Of Changes In Shareholders' Equity [Abstract]
Dividend declared per share	$ 0.32	$ 0.30	$ 0.93	$ 0.90

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($)	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Cash flows from operating activities
Net income	$ 15,963,000	$ 8,248,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	925,000	998,000
Net amortization of loans and investment securities	503,000	1,620,000
Amortization of subordinate debt issuance costs	26,000	6,000
Provision for (recovery of) loan losses	(1,900,000)	5,350,000
(Increase) decrease in fair value of equity securities	(83,000)	139,000
Debt securities (gains) losses, net	(91,000)	26,000
Loans originated for sale	(81,204,000)	(66,296,000)
Proceeds from sale of loans	88,402,000	58,838,000
Gain on sale of loans	(1,866,000)	(876,000)
Increase in cash surrender value of bank owned life insurance	(336,000)	(346,000)
(Increase) decrease in fair value of derivative	(20,000)	32,000
Gains from surrender of life insurance policies	(147,000)	(812,000)
Income tax benefit of statutory treatment of net operating loss carryback		(1,112,000)
Stock option compensation	161,000	141,000
Decrease (increase) in other assets	4,184,000	(2,764,000)
Decrease in other liabilities	(647,000)	(817,000)
Net cash provided by operating activities	23,870,000	2,375,000
Cash flows from investing activities
Net decrease (increase) in long-term interest-bearing deposits in other banks	1,999,000	(5,489,000)
Proceeds from sales and calls of investment securities available for sale	16,060,000	1,390,000
Proceeds from maturities and pay-downs of securities available for sale	27,057,000	31,450,000
Purchase of investment securities available for sale	(200,913,000)	(183,927,000)
Net increase in restricted stock	(27,000)	(3,000)
Net increase in loans	(6,240,000)	(88,838,000)
Proceeds from surrender of bank owned life insurance policy	685,000	3,623,000
Capital expenditures	(7,367,000)	(451,000)
Net cash used in investing activities	(168,746,000)	(242,245,000)
Cash flows from financing activities
Net increase in demand deposits, interest-bearing checking, and savings accounts	195,443,000	221,388,000
Net decrease in time deposits	(5,721,000)	(10,031,000)
Proceeds from subordinated notes, net of issuance costs		19,541,000
Dividends paid	(4,105,000)	(3,914,000)
Purchase of Treasury shares	(1,105,000)	(1,172,000)
Cash received from option exercises	100,000	28,000
Treasury shares issued under dividend reinvestment plan	2,011,000	1,362,000
Net cash provided by financing activities	186,623,000	227,202,000
Increase (decrease) in cash and cash equivalents	41,747,000	(12,668,000)
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	98,893,000	71,160,000
Supplemental Disclosures of Cash Flow Information
Cash paid during the year for: Interest on deposits and other borrowed funds	2,268,000	3,158,000
Cash paid during the year for: Income taxes	$ 1,872,000	1,548,000
Noncash Activities
Lease liabilities arising from obtaining right-of-use assets		$ 105,000

Basis Of Presentation

Basis Of Presentation	9 Months Ended
	Sep. 30, 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 September 30, 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 and nine-month periods ended September 30, 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 For the Nine Months Ended September 30, September 30, (Dollars and shares in thousands, except per share data) 2021 2020 2021 2020 Weighted average shares outstanding (basic) 4,441 4,358 4,421 4,350 Impact of common stock equivalents 26 4 19 9 Weighted average shares outstanding (diluted) 4,467 4,362 4,440 4,359 Anti-dilutive options excluded from calculation 30 93 31 74 Net income $ 5,862 $ 3,462 $ 15,963 $ 8,248 Basic earnings per share $ 1.32 $ 0.79 $ 3.61 $ 1.90 Diluted earnings per share $ 1.31 $ 0.79 $ 3.60 $ 1.89

Recent Accounting Pronouncement

Recent Accounting Pronouncements	9 Months Ended
	Sep. 30, 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 is running 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 continues 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 continues 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)	9 Months Ended
	Sep. 30, 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: September 30, December 31, (Dollars in thousands) 2021 2020 Net unrealized gains on debt securities $ 5,782 $ 12,571 Tax effect ( 1,214 ) ( 2,640 ) Net of tax amount $ 4,568 $ 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 $ ( 2,173 ) $ 3,190

Investments

Investments	9 Months Ended
	Sep. 30, 2021
Investments [Abstract]
Investments	Note 4. Investments Available for Sale (AFS) Securities The amortized cost and estimated fair value of AFS securities as of September 30, 2021 and December 31, 2020 are as follows : (Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair September 30, 2021 cost gains losses value U.S. Government and Agency $ 89,813 $ 126 $ ( 293 ) $ 89,646 Municipal 226,582 7,184 ( 1,490 ) 232,276 Corporate 24,786 311 ( 141 ) 24,956 Agency mortgage-backed 126,238 1,217 ( 1,338 ) 126,117 Private-label mortgage-backed 27,073 50 ( 74 ) 27,049 Asset-backed 45,514 359 ( 129 ) 45,744 Total $ 540,006 $ 9,247 $ ( 3,465 ) $ 545,788 (Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair December 31, 2020 cost gains losses value U.S. Government and Agency $ 12,594 $ 20 $ ( 40 ) $ 12,574 Municipal 236,253 11,020 ( 219 ) 247,054 Corporate 20,421 22 ( 155 ) 20,288 Agency mortgage-backed 70,443 1,905 ( 107 ) 72,241 Private-label mortgage-backed 8,412 56 ( 15 ) 8,453 Asset-backed 36,246 249 ( 165 ) 36,330 Total $ 384,369 $ 13,272 $ ( 701 ) $ 396,940 At September 30 , 2021 and December 31, 2020, the fair value of debt securities pledged to secure public funds and trust deposits totaled $ 168.0 million and $ 137.4 million, respectively. The Bank has no investment in a single issuer that exceeds 10 % of shareholders’ equity, except for securities issued by the U.S. Treasury and U.S. government sponsored entities. The amortized cost and estimated fair value of debt securities at September 30, 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 $ 2,613 $ 2,644 Due after one year through five years 21,770 22,368 Due after five years through ten years 268,783 274,542 Due after ten years 48,015 47,324 341,181 346,878 Mortgage-backed and asset-backed 198,825 198,910 $ 540,006 $ 545,788 The composition of the net realized gains (losses) on debt securities for the three and nine months ended are as follows: For the Three Months Ended For the Nine Months Ended September 30, September 30, (Dollars in thousands) 2021 2020 2021 2020 Proceeds $ — $ 1,225 $ 16,060 $ 1,390 Gross gains realized — 7 169 7 Gross losses realized — ( 23 ) ( 78 ) ( 33 ) Net gains (losses) realized $ — $ ( 16 ) $ 91 $ ( 26 ) Tax (provision) benefit on net gains (losses) realized $ — $ 3 $ ( 19 ) $ 5 Impairment : The debt securities portfolio contained 204 securities with $ 234.8 million of temporarily impaired fair value and $ 3.5 million in unrealized losses at September 30, 2021. The total unrealized loss position has increased $ 2.8 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 September 30, 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 September 30, 2021 and December 31, 2020: September 30, 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 $ 59,916 $ ( 280 ) 15 $ 3,946 $ ( 13 ) 5 $ 63,862 $ ( 293 ) 20 Municipal 48,450 ( 971 ) 55 12,248 ( 519 ) 11 60,698 ( 1,490 ) 66 Corporate 8,447 ( 96 ) 17 1,455 ( 45 ) 2 9,902 ( 141 ) 19 Agency mortgage-backed 76,682 ( 1,179 ) 64 5,710 ( 159 ) 6 82,392 ( 1,338 ) 70 Private-label mortgage-backed 12,920 ( 74 ) 9 — — — 12,920 ( 74 ) 9 Asset-backed 1,952 ( 90 ) 14 3,074 ( 39 ) 6 5,026 ( 129 ) 20 Total temporarily impaired $ 208,367 $ ( 2,690 ) 174 $ 26,433 $ ( 775 ) 30 $ 234,800 $ ( 3,465 ) 204 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 $ 3,966 $ ( 21 ) 5 $ 4,185 $ ( 19 ) 11 $ 8,151 $ ( 40 ) 16 Municipal 27,022 ( 219 ) 28 — — — 27,022 ( 219 ) 28 Corporate 7,576 ( 37 ) 13 3,040 ( 118 ) 4 10,616 ( 155 ) 17 Agency mortgage-backed 18,390 ( 101 ) 17 3,355 ( 6 ) 5 21,745 ( 107 ) 22 Private-label mortgage-backed 2,506 ( 15 ) 2 — — — 2,506 ( 15 ) 2 Asset-backed 1,458 ( 12 ) 2 11,452 ( 153 ) 15 12,910 ( 165 ) 17 Total temporarily impaired $ 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: Nine Months Ended (Dollars in thousands) September 30, 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 September 30 $ 257 $ 272 Equity Securities at Fair Value The Corporation owns one equity investment with a readily determinable fair value. At September 30, 2021 and December 31, 2020, this investment was reported at fair value of $ 473 thousand and $ 391 thousand, respectively, with changes in value reported through income.

Loans

Loans	9 Months Ended
	Sep. 30, 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 motels, 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 real estate loans ongoing monitoring of cash flow and other financial performance indictors is completed 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, administered by the Small Business Administration (SBA), 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. However, if the SBA does not grant loan forgiveness, the PPP loan would present the same risk factors as any other commercial loan. 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: September 30, December 31, (Dollars in thousands) 2021 2020 Residential Real Estate 1-4 Family Consumer first liens $ 75,649 $ 77,373 Commercial first lien 58,630 59,851 Total first liens 134,279 137,224 Consumer junior liens and lines of credit 65,279 60,935 Commercial junior liens and lines of credit 4,943 4,425 Total junior liens and lines of credit 70,222 65,360 Total residential real estate 1-4 family 204,501 202,584 Residential real estate - construction Consumer 8,195 6,751 Commercial 13,883 9,558 Total residential real estate construction 22,078 16,309 Commercial real estate 527,092 503,977 Commercial 257,693 281,257 Total commercial 784,785 785,234 Consumer 6,804 5,577 1,018,168 1,009,704 Less: Allowance for loan losses ( 15,366 ) ( 16,789 ) Net Loans $ 1,002,802 $ 992,915 Included in the loan balances are the following: Net unamortized deferred loan (fees) costs $ 853 $ 8 Paycheck Protection Program (PPP) loans (included in Commercial loans above) Two-year loans $ 31 $ 5,378 Five-year loans 21,711 46,912 Total Paycheck Protection Program loans $ 21,742 $ 52,290 Unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above) Two-year loans $ — $ ( 165 ) Five-year loans ( 821 ) ( 1,178 ) Total unamortized deferred PPP loan fees $ ( 821 ) $ ( 1,343 ) Loans pledged as collateral for borrowings and commitments from: FHLB $ 733,661 $ 840,850 Federal Reserve Bank 51,653 50,605 $ 785,314 $ 891,455

Loan Quality And Allowance For

Loan Quality And Allowance For Loan Losses	9 Months Ended
	Sep. 30, 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 June 30, 2021 $ 459 $ 220 $ 349 $ 7,878 $ 5,309 $ 102 $ 738 $ 15,055 Charge-offs — — — — ( 3 ) ( 126 ) — ( 129 ) Recoveries — — — — 436 4 — 440 Provision 33 25 18 810 ( 856 ) 157 ( 187 ) — ALL at September 30, 2021 $ 492 $ 245 $ 367 $ 8,688 $ 4,886 $ 137 $ 551 $ 15,366 ALL at December 31, 2020 $ 555 $ 226 $ 294 $ 9,163 $ 5,679 $ 97 $ 775 $ 16,789 Charge-offs — — ( 28 ) ( 13 ) ( 11 ) ( 162 ) — ( 214 ) Recoveries — 170 — 1 497 23 — 691 Provision ( 63 ) ( 151 ) 101 ( 463 ) ( 1,279 ) 179 ( 224 ) ( 1,900 ) ALL at September 30, 2021 $ 492 $ 245 $ 367 $ 8,688 $ 4,886 $ 137 $ 551 $ 15,366 ALL at June 30, 2020 $ 580 $ 197 $ 242 $ 8,837 $ 5,845 $ 105 $ 749 $ 16,555 Charge-offs - — — — — ( 28 ) — ( 28 ) Recoveries - — — — 243 6 — 249 Provision ( 2 ) 14 17 372 ( 52 ) 11 15 375 ALL at September 30, 2020 $ 578 $ 211 $ 259 $ 9,209 $ 6,036 $ 94 $ 764 $ 17,151 ALL at December 31, 2019 $ 416 $ 119 $ 187 $ 6,607 $ 4,021 $ 84 $ 532 $ 11,966 Charge-offs - — — — ( 365 ) ( 87 ) — ( 452 ) Recoveries 4 — — — 267 16 — 287 Provision 158 92 72 2,602 2,113 81 232 5,350 ALL at September 30, 2020 $ 578 $ 211 $ 259 $ 9,209 $ 6,036 $ 94 $ 764 $ 17,151 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 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 September 30, 2021 Loans evaluated for ALL: Individually $ 659 $ — $ 426 $ 11,371 $ — $ — $ — $ 12,456 Collectively 133,620 70,222 21,652 515,721 257,693 6,804 — 1,005,712 Total $ 134,279 $ 70,222 $ 22,078 $ 527,092 $ 257,693 $ 6,804 $ — $ 1,018,168 ALL established for loans evaluated: Individually $ — $ — $ — $ 1,308 $ — $ — $ — $ 1,308 Collectively 492 245 367 7,380 4,886 137 551 14,058 ALL at September 30, 2021 $ 492 $ 245 $ 367 $ 8,688 $ 4,886 $ 137 $ 551 $ 15,366 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 as of the periods shown: Impaired Loans With No Allowance With Allowance (Dollars in thousands) Unpaid Unpaid Recorded Principal Recorded Principal Related September 30, 2021 Investment Balance Investment Balance Allowance Residential Real Estate 1-4 Family First liens $ 659 $ 684 $ — $ — $ — Junior liens and lines of credit — — — — — Total 659 684 — — — Residential real estate - construction 426 729 — — — Commercial real estate 5,684 6,479 5,687 5,796 1,308 Commercial — — — — — Total $ 6,769 $ 7,892 $ 5,687 $ 5,796 $ 1,308 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 balance of impaired loans and related interest income for the periods shown: Three Months Ended Nine Months Ended September 30, 2021 September 30, 2021 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 663 $ 8 $ 655 $ 24 Junior liens and lines of credit — — — — Total 663 8 655 24 Residential real estate - construction 428 — 483 — Commercial real estate 15,450 122 15,813 310 Commercial — — — — Total $ 16,541 $ 130 $ 16,951 $ 334 Three Months Ended Nine Months Ended September 30, 2020 September 30, 2020 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 645 $ 12 $ 651 $ 30 Junior liens and lines of credit — — — — Total 645 12 651 30 Residential real estate - construction 517 — 519 — Commercial real estate 16,580 93 13,041 280 Commercial — — — — Total $ 17,742 $ 105 $ 14,211 $ 310 At September 30, 2021, the Bank had $38.0 thousand of residential properties in the process of foreclosure compared to $68.0 thousand at the end of 2020. 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 September 30, 2021 Residential Real Estate 1-4 Family First liens $ 133,998 $ 9 $ 231 $ — $ 240 $ 41 $ 134,279 Junior liens and lines of credit 70,105 79 — — 79 38 70,222 Total 204,103 88 231 — 319 79 204,501 Residential real estate - construction 21,652 — — — — 426 22,078 Commercial real estate 519,065 — — — — 8,027 527,092 Commercial 257,540 53 — — 53 100 257,693 Consumer 6,779 21 1 3 25 — 6,804 Total $ 1,009,139 $ 162 $ 232 $ 3 $ 397 $ 8,632 $ 1,018,168 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 September 30, 2021 Residential Real Estate 1-4 Family First liens $ 134,279 $ — $ — $ — $ 134,279 Junior liens and lines of credit 70,222 — — — 70,222 Total 204,501 — — — 204,501 Residential real estate - construction 21,652 — 426 — 22,078 Commercial real estate 471,021 38,595 17,476 — 527,092 Commercial 255,693 1,780 220 — 257,693 Consumer 6,804 — — — 6,804 Total $ 959,671 $ 40,375 $ 18,122 $ — $ 1,018,168 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 September 30, 2021 Residential real estate - construction 1 $ 427 $ — $ 427 — $ — Residential real estate 5 658 617 41 — — Commercial real estate - owner occupied 4 1,181 831 350 — — Commercial real estate - farm land 6 2,173 2,173 — — — Commercial real estate - construction and land development 2 1,600 1,360 240 — — Commercial real estate 2 303 107 196 — — Total 20 $ 6,342 $ 5,088 $ 1,254 — $ — 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 . The following table reports new TDR loans during 2021, concession granted and the recorded investment as of September 30, 2021: New During Period Nine Months Ended Number of Pre-TDR After-TDR Recorded September 30, 2021 Contracts Modification Modification Investment Concession Residential real estate 1 $ 41 $ 41 $ 41 multiple The following table reports new TDR loans during 2020, concession granted and the recorded investment as of September 30, 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 $ 653 multiple Commercial real estate - owner occupied 2 426 426 423 maturity 3 $ 1,076 $ 1,076 $ 1,076

Leases

Leases	9 Months Ended
	Sep. 30, 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 September 30, Nine Months Ended September 30, (Dollars in thousands) 2021 2020 2021 2020 Operating lease cost $ 522 $ 149 $ 522 $ 466 Short-term lease cost 94 2 95 5 Variable lease cost 74 11 74 39 Total lease cost $ 690 $ 162 $ 691 $ 510 Supplemental Lease Information: Nine Months Ended September 30, (Dollars in thousands) 2021 2020 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 491 $ 447 Weighted-average remaining lease term (years) 11.2 12.5 Weighted-average discount rate 3.36 % 3.54 % Lease Obligations: Future undiscounted lease payments for operating leases with initial terms of one year or more as of September 30, 2021 are as follows: (Dollars in thousands) 2021 $ 166 2022 640 2023 650 2024 628 2025 588 2026 and beyond 3,396 Undiscounted cash flow 6,068 Imputed Interest ( 1,087 ) Total lease liability $ 4,981

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 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 September 30, 2021 and December 31, 2020.

Derivatives

Derivatives	9 Months Ended
	Sep. 30, 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) September 30, 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 $ 6,699 Other Liabilities $ 20 $ 6,836 Other Liabilities $ 40 Total derivatives not designated as hedging instruments $ 20 $ 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 as Hedging Instruments on the Income Statement 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 Nine Months Ended September 30, 2021 September 30, 2020 September 30, 2021 September 30, 2020 Other Contracts Other income $ 3 $ - $ 20 $ ( 33 ) As of September 30, 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 $ 21 thousand.

Pension

Pension	9 Months Ended
	Sep. 30, 2021
Pension [Abstract]
Pension	Note 10. Pension The components of pension expense for the periods presented are as follows: Three Months Ended Nine Months Ended September 30, September 30, (Dollars in thousands) 2021 2020 2021 2020 Components of net periodic cost: Service cost $ 107 $ 83 $ 312 $ 249 Interest cost 96 131 279 394 Expected return on plan assets ( 280 ) ( 269 ) ( 834 ) ( 809 ) Settlement expense 158 — 356 — Recognized net actuarial loss 283 226 850 678 Total pension expense $ 364 $ 171 $ 963 $ 512 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	9 Months Ended
	Sep. 30, 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 third 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 September 30, 2021 and December 31, 2020 are as follows: (Dollars in thousands) Fair Value at September 30, 2021 Asset Description Level 1 Level 2 Level 3 Total Equity securities, at fair value $ 473 $ — $ — $ 473 Available for sale: U.S. Government and Agency securities 79,499 10,147 — 89,646 Municipal securities — 232,276 — 232,276 Corporate securities — 24,956 — 24,956 Agency mortgage-backed securities — 126,117 — 126,117 Private-label mortgage-backed securities — 27,049 — 27,049 Asset-backed securities — 45,744 — 45,744 Total assets $ 79,972 $ 466,289 $ — $ 546,261 (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 September 30, 2021 and December 31, 2020 was $ 21 thousand and $ 40 thousand, respectively, and was considered immaterial. Nonrecurring Fair Value Measurements For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2021 and December 31, 2020 are as follows: (Dollars in Thousands) Fair Value at September 30, 2021 Asset Description Level 1 Level 2 Level 3 Total Impaired loans (1) $ — $ — $ 4,379 $ 4,379 Total assets $ — $ — $ 4,379 $ 4,379 (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 that may have been charged-down to fair value during the reporting period or have a specific reserve established. 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 September 30, 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 September 30, 2021. The following table presents additional quantitative information about Level 3 assets measured at fair value on a nonrecurring basis at September 30, 2021 and December 31, 2020: (Dollars in thousands) Range September 30, 2021 Fair Value Valuation Technique Unobservable Input Weighted Average Impaired loans $ 4,379 Appraisal Appraisal Adjustment on: Real estate assets 20 % ( 20 %) Non-real estate assets 100 % ( 100 %) Cost to sell 8 % Range December 31, 2020 Fair Value Valuation Technique Unobservable Input (Weighted Average) Impaired Loans $ 5,474 Appraisal Appraisal Adjustment 0 % - 100 % ( 66 %) Cost to sell 8 % The carrying amounts and estimated fair value of financial instruments not carried at fair value are as follows: September 30, 2021 Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial assets, carried at cost: Cash and cash equivalents $ 98,893 $ 98,893 $ 98,893 $ — $ — Long-term interest-bearing deposits in other banks 10,742 10,742 10,742 — — Loans held for sale 4,114 4,223 — 4,223 — Net loans 1,002,802 1,013,357 — — 1,013,357 Accrued interest receivable 5,543 5,543 — — 5,543 Financial liabilities: Deposits $ 1,544,295 $ 1,580,215 $ — $ 1,580,215 $ — Subordinate notes 19,581 20,169 — 20,169 — Accrued interest payable 90 90 — 90 — 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	9 Months Ended
	Sep. 30, 2021
Subordinated Notes [Abstract]
Subordinated Notes	Note 12. Subordinated Notes At September 30, 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 $ 419.0 thousand at September 30, 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	9 Months Ended
	Sep. 30, 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 September 30, 2021 was 8.23 % 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 September 30, 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 QCBO 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 QCBO but did not opt-in to the CBLR. 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 September 30, 2021 and December 31, 2020 for the Corporation and the Bank: Regulatory Ratios Adequately Well September 30, December 31, Capitalized Capitalized (Dollars in thousands) 2021 2020 Minimum Minimum Common Equity Tier 1 Risk-based Capital Ratio (1) Franklin Financial Services Corporation 14.91 % 14.32 % N/A N/A Farmers & Merchants Trust Company 14.97 % 14.07 % 4.50 % 6.50 % Tier 1 Risk-based Capital Ratio (2) Franklin Financial Services Corporation 14.91 % 14.32 % N/A N/A Farmers & Merchants Trust Company 14.97 % 14.07 % 6.00 % 8.00 % Total Risk-based Capital Ratio (3) Franklin Financial Services Corporation 18.16 % 17.69 % N/A N/A Farmers & Merchants Trust Company 16.23 % 15.33 % 8.00 % 10.00 % Tier 1 Leverage Ratio (4) Franklin Financial Services Corporation 8.53 % 8.69 % N/A N/A Farmers & Merchants Trust Company 8.57 % 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	9 Months Ended
	Sep. 30, 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 $ 1.6 million for the third quarter of 2021, compared to $ 1.3 million in the third quarter of 2020 and $ 4.9 million for the first nine months of 2021, compared to $ 4.2 million for the first nine months 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 $ 130 thousand for the third quarter of 2021, compared to $ 45 thousand in the third quarter of 2020 and $ 313 thousand for the first nine months of 2021, compared to $ 118 thousand for the first nine months of 2020.  Commissions from the sale of investment and insurance products are recognized upon the completion of the transaction. Commissions recognized were $ 34 thousand for the third quarter of 2021, compared to $ 39 thousand for the third quarter of 2020 and $ 118 thousand for the first nine months of 2021, compared to $ 162 thousand for the first nine months of 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	9 Months Ended
	Sep. 30, 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: September 30, December 31, (Dollars in thousands) 2021 2020 Financial instruments whose contract amounts represent credit risk Commercial commitments to extend credit $ 308,157 $ 280,939 Consumer commitments to extend credit (secured) 80,611 71,761 Consumer commitments to extend credit (unsecured) 5,349 5,224 $ 394,117 $ 357,924 Standby letters of credit $ 22,939 $ 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. In the second quarter of 2021, the Bank reversed $ 636 thousand of this reserve as a second letter of credit was cancelled. At September 30, 2021, this reserve was $ 1.5 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 September 30, 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 September 30, 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	9 Months Ended
	Sep. 30, 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)	9 Months Ended
	Sep. 30, 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 September 30, 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 and nine-month periods ended September 30, 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 For the Nine Months Ended September 30, September 30, (Dollars and shares in thousands, except per share data) 2021 2020 2021 2020 Weighted average shares outstanding (basic) 4,441 4,358 4,421 4,350 Impact of common stock equivalents 26 4 19 9 Weighted average shares outstanding (diluted) 4,467 4,362 4,440 4,359 Anti-dilutive options excluded from calculation 30 93 31 74 Net income $ 5,862 $ 3,462 $ 15,963 $ 8,248 Basic earnings per share $ 1.32 $ 0.79 $ 3.61 $ 1.90 Diluted earnings per share $ 1.31 $ 0.79 $ 3.60 $ 1.89

Basis Of Presentation (Tables)

Basis Of Presentation (Tables)	9 Months Ended
	Sep. 30, 2021
Basis Of Presentation [Abstract]
Schedule Of Earnings Per Share, Basic And Diluted	For the Three Months Ended For the Nine Months Ended September 30, September 30, (Dollars and shares in thousands, except per share data) 2021 2020 2021 2020 Weighted average shares outstanding (basic) 4,441 4,358 4,421 4,350 Impact of common stock equivalents 26 4 19 9 Weighted average shares outstanding (diluted) 4,467 4,362 4,440 4,359 Anti-dilutive options excluded from calculation 30 93 31 74 Net income $ 5,862 $ 3,462 $ 15,963 $ 8,248 Basic earnings per share $ 1.32 $ 0.79 $ 3.61 $ 1.90 Diluted earnings per share $ 1.31 $ 0.79 $ 3.60 $ 1.89

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Tables)	9 Months Ended
	Sep. 30, 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 is running 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 continues 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 continues 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)	9 Months Ended
	Sep. 30, 2021
Accumulated Other Comprehensive Income (Loss) [Abstract]
Schedule Of Accumulated Other Comprehensive Income (Loss)	September 30, December 31, (Dollars in thousands) 2021 2020 Net unrealized gains on debt securities $ 5,782 $ 12,571 Tax effect ( 1,214 ) ( 2,640 ) Net of tax amount $ 4,568 $ 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 $ ( 2,173 ) $ 3,190

Investments (Tables)

Investments (Tables)	9 Months Ended
	Sep. 30, 2021
Investments [Abstract]
Unrealized Gain (Loss) On Investments	(Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair September 30, 2021 cost gains losses value U.S. Government and Agency $ 89,813 $ 126 $ ( 293 ) $ 89,646 Municipal 226,582 7,184 ( 1,490 ) 232,276 Corporate 24,786 311 ( 141 ) 24,956 Agency mortgage-backed 126,238 1,217 ( 1,338 ) 126,117 Private-label mortgage-backed 27,073 50 ( 74 ) 27,049 Asset-backed 45,514 359 ( 129 ) 45,744 Total $ 540,006 $ 9,247 $ ( 3,465 ) $ 545,788 (Dollars in thousands) Gross Gross Amortized unrealized unrealized Fair December 31, 2020 cost gains losses value U.S. Government and Agency $ 12,594 $ 20 $ ( 40 ) $ 12,574 Municipal 236,253 11,020 ( 219 ) 247,054 Corporate 20,421 22 ( 155 ) 20,288 Agency mortgage-backed 70,443 1,905 ( 107 ) 72,241 Private-label mortgage-backed 8,412 56 ( 15 ) 8,453 Asset-backed 36,246 249 ( 165 ) 36,330 Total $ 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 $ 2,613 $ 2,644 Due after one year through five years 21,770 22,368 Due after five years through ten years 268,783 274,542 Due after ten years 48,015 47,324 341,181 346,878 Mortgage-backed and asset-backed 198,825 198,910 $ 540,006 $ 545,788
Composition Of Net Realized Securities Gains (Losses)	For the Three Months Ended For the Nine Months Ended September 30, September 30, (Dollars in thousands) 2021 2020 2021 2020 Proceeds $ — $ 1,225 $ 16,060 $ 1,390 Gross gains realized — 7 169 7 Gross losses realized — ( 23 ) ( 78 ) ( 33 ) Net gains (losses) realized $ — $ ( 16 ) $ 91 $ ( 26 ) Tax (provision) benefit on net gains (losses) realized $ — $ 3 $ ( 19 ) $ 5
Schedule Of Unrealized Loss On Investments	September 30, 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 $ 59,916 $ ( 280 ) 15 $ 3,946 $ ( 13 ) 5 $ 63,862 $ ( 293 ) 20 Municipal 48,450 ( 971 ) 55 12,248 ( 519 ) 11 60,698 ( 1,490 ) 66 Corporate 8,447 ( 96 ) 17 1,455 ( 45 ) 2 9,902 ( 141 ) 19 Agency mortgage-backed 76,682 ( 1,179 ) 64 5,710 ( 159 ) 6 82,392 ( 1,338 ) 70 Private-label mortgage-backed 12,920 ( 74 ) 9 — — — 12,920 ( 74 ) 9 Asset-backed 1,952 ( 90 ) 14 3,074 ( 39 ) 6 5,026 ( 129 ) 20 Total temporarily impaired $ 208,367 $ ( 2,690 ) 174 $ 26,433 $ ( 775 ) 30 $ 234,800 $ ( 3,465 ) 204 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 $ 3,966 $ ( 21 ) 5 $ 4,185 $ ( 19 ) 11 $ 8,151 $ ( 40 ) 16 Municipal 27,022 ( 219 ) 28 — — — 27,022 ( 219 ) 28 Corporate 7,576 ( 37 ) 13 3,040 ( 118 ) 4 10,616 ( 155 ) 17 Agency mortgage-backed 18,390 ( 101 ) 17 3,355 ( 6 ) 5 21,745 ( 107 ) 22 Private-label mortgage-backed 2,506 ( 15 ) 2 — — — 2,506 ( 15 ) 2 Asset-backed 1,458 ( 12 ) 2 11,452 ( 153 ) 15 12,910 ( 165 ) 17 Total temporarily impaired $ 60,918 $ ( 405 ) 67 $ 22,032 $ ( 296 ) 35 $ 82,950 $ ( 701 ) 102
Other Than Temporary Impairment, Credit Losses Recognized In Earnings	Nine Months Ended (Dollars in thousands) September 30, 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 September 30 $ 257 $ 272

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2021
Loans [Abstract]
Schedule Of Loans Outstanding	September 30, December 31, (Dollars in thousands) 2021 2020 Residential Real Estate 1-4 Family Consumer first liens $ 75,649 $ 77,373 Commercial first lien 58,630 59,851 Total first liens 134,279 137,224 Consumer junior liens and lines of credit 65,279 60,935 Commercial junior liens and lines of credit 4,943 4,425 Total junior liens and lines of credit 70,222 65,360 Total residential real estate 1-4 family 204,501 202,584 Residential real estate - construction Consumer 8,195 6,751 Commercial 13,883 9,558 Total residential real estate construction 22,078 16,309 Commercial real estate 527,092 503,977 Commercial 257,693 281,257 Total commercial 784,785 785,234 Consumer 6,804 5,577 1,018,168 1,009,704 Less: Allowance for loan losses ( 15,366 ) ( 16,789 ) Net Loans $ 1,002,802 $ 992,915 Included in the loan balances are the following: Net unamortized deferred loan (fees) costs $ 853 $ 8 Paycheck Protection Program (PPP) loans (included in Commercial loans above) Two-year loans $ 31 $ 5,378 Five-year loans 21,711 46,912 Total Paycheck Protection Program loans $ 21,742 $ 52,290 Unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above) Two-year loans $ — $ ( 165 ) Five-year loans ( 821 ) ( 1,178 ) Total unamortized deferred PPP loan fees $ ( 821 ) $ ( 1,343 ) Loans pledged as collateral for borrowings and commitments from: FHLB $ 733,661 $ 840,850 Federal Reserve Bank 51,653 50,605 $ 785,314 $ 891,455

Loan Quality And Allowance Fo_2

Loan Quality And Allowance For Loan Losses (Tables)	9 Months Ended
	Sep. 30, 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 June 30, 2021 $ 459 $ 220 $ 349 $ 7,878 $ 5,309 $ 102 $ 738 $ 15,055 Charge-offs — — — — ( 3 ) ( 126 ) — ( 129 ) Recoveries — — — — 436 4 — 440 Provision 33 25 18 810 ( 856 ) 157 ( 187 ) — ALL at September 30, 2021 $ 492 $ 245 $ 367 $ 8,688 $ 4,886 $ 137 $ 551 $ 15,366 ALL at December 31, 2020 $ 555 $ 226 $ 294 $ 9,163 $ 5,679 $ 97 $ 775 $ 16,789 Charge-offs — — ( 28 ) ( 13 ) ( 11 ) ( 162 ) — ( 214 ) Recoveries — 170 — 1 497 23 — 691 Provision ( 63 ) ( 151 ) 101 ( 463 ) ( 1,279 ) 179 ( 224 ) ( 1,900 ) ALL at September 30, 2021 $ 492 $ 245 $ 367 $ 8,688 $ 4,886 $ 137 $ 551 $ 15,366 ALL at June 30, 2020 $ 580 $ 197 $ 242 $ 8,837 $ 5,845 $ 105 $ 749 $ 16,555 Charge-offs - — — — — ( 28 ) — ( 28 ) Recoveries - — — — 243 6 — 249 Provision ( 2 ) 14 17 372 ( 52 ) 11 15 375 ALL at September 30, 2020 $ 578 $ 211 $ 259 $ 9,209 $ 6,036 $ 94 $ 764 $ 17,151 ALL at December 31, 2019 $ 416 $ 119 $ 187 $ 6,607 $ 4,021 $ 84 $ 532 $ 11,966 Charge-offs - — — — ( 365 ) ( 87 ) — ( 452 ) Recoveries 4 — — — 267 16 — 287 Provision 158 92 72 2,602 2,113 81 232 5,350 ALL at September 30, 2020 $ 578 $ 211 $ 259 $ 9,209 $ 6,036 $ 94 $ 764 $ 17,151 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 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 September 30, 2021 Loans evaluated for ALL: Individually $ 659 $ — $ 426 $ 11,371 $ — $ — $ — $ 12,456 Collectively 133,620 70,222 21,652 515,721 257,693 6,804 — 1,005,712 Total $ 134,279 $ 70,222 $ 22,078 $ 527,092 $ 257,693 $ 6,804 $ — $ 1,018,168 ALL established for loans evaluated: Individually $ — $ — $ — $ 1,308 $ — $ — $ — $ 1,308 Collectively 492 245 367 7,380 4,886 137 551 14,058 ALL at September 30, 2021 $ 492 $ 245 $ 367 $ 8,688 $ 4,886 $ 137 $ 551 $ 15,366 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 as of the periods shown: Impaired Loans With No Allowance With Allowance (Dollars in thousands) Unpaid Unpaid Recorded Principal Recorded Principal Related September 30, 2021 Investment Balance Investment Balance Allowance Residential Real Estate 1-4 Family First liens $ 659 $ 684 $ — $ — $ — Junior liens and lines of credit — — — — — Total 659 684 — — — Residential real estate - construction 426 729 — — — Commercial real estate 5,684 6,479 5,687 5,796 1,308 Commercial — — — — — Total $ 6,769 $ 7,892 $ 5,687 $ 5,796 $ 1,308 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 balance of impaired loans and related interest income for the periods shown: Three Months Ended Nine Months Ended September 30, 2021 September 30, 2021 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 663 $ 8 $ 655 $ 24 Junior liens and lines of credit — — — — Total 663 8 655 24 Residential real estate - construction 428 — 483 — Commercial real estate 15,450 122 15,813 310 Commercial — — — — Total $ 16,541 $ 130 $ 16,951 $ 334 Three Months Ended Nine Months Ended September 30, 2020 September 30, 2020 Average Interest Average Interest (Dollars in thousands) Recorded Income Recorded Income Investment Recognized Investment Recognized Residential Real Estate 1-4 Family First liens $ 645 $ 12 $ 651 $ 30 Junior liens and lines of credit — — — — Total 645 12 651 30 Residential real estate - construction 517 — 519 — Commercial real estate 16,580 93 13,041 280 Commercial — — — — Total $ 17,742 $ 105 $ 14,211 $ 310
Aging Of Payments Of The Loan Portfolio	At September 30, 2021, the Bank had $38.0 thousand of residential properties in the process of foreclosure compared to $68.0 thousand at the end of 2020. 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 September 30, 2021 Residential Real Estate 1-4 Family First liens $ 133,998 $ 9 $ 231 $ — $ 240 $ 41 $ 134,279 Junior liens and lines of credit 70,105 79 — — 79 38 70,222 Total 204,103 88 231 — 319 79 204,501 Residential real estate - construction 21,652 — — — — 426 22,078 Commercial real estate 519,065 — — — — 8,027 527,092 Commercial 257,540 53 — — 53 100 257,693 Consumer 6,779 21 1 3 25 — 6,804 Total $ 1,009,139 $ 162 $ 232 $ 3 $ 397 $ 8,632 $ 1,018,168 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 September 30, 2021 Residential Real Estate 1-4 Family First liens $ 134,279 $ — $ — $ — $ 134,279 Junior liens and lines of credit 70,222 — — — 70,222 Total 204,501 — — — 204,501 Residential real estate - construction 21,652 — 426 — 22,078 Commercial real estate 471,021 38,595 17,476 — 527,092 Commercial 255,693 1,780 220 — 257,693 Consumer 6,804 — — — 6,804 Total $ 959,671 $ 40,375 $ 18,122 $ — $ 1,018,168 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 September 30, 2021 Residential real estate - construction 1 $ 427 $ — $ 427 — $ — Residential real estate 5 658 617 41 — — Commercial real estate - owner occupied 4 1,181 831 350 — — Commercial real estate - farm land 6 2,173 2,173 — — — Commercial real estate - construction and land development 2 1,600 1,360 240 — — Commercial real estate 2 303 107 196 — — Total 20 $ 6,342 $ 5,088 $ 1,254 — $ — 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 . The following table reports new TDR loans during 2021, concession granted and the recorded investment as of September 30, 2021: New During Period Nine Months Ended Number of Pre-TDR After-TDR Recorded September 30, 2021 Contracts Modification Modification Investment Concession Residential real estate 1 $ 41 $ 41 $ 41 multiple The following table reports new TDR loans during 2020, concession granted and the recorded investment as of September 30, 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 $ 653 multiple Commercial real estate - owner occupied 2 426 426 423 maturity 3 $ 1,076 $ 1,076 $ 1,076

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2021
Leases [Abstract]
Schedule Of Lease Costs	Three Months Ended September 30, Nine Months Ended September 30, (Dollars in thousands) 2021 2020 2021 2020 Operating lease cost $ 522 $ 149 $ 522 $ 466 Short-term lease cost 94 2 95 5 Variable lease cost 74 11 74 39 Total lease cost $ 690 $ 162 $ 691 $ 510
Schedule Of Measurement Of Lease Liabilities	Nine Months Ended September 30, (Dollars in thousands) 2021 2020 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 491 $ 447 Weighted-average remaining lease term (years) 11.2 12.5 Weighted-average discount rate 3.36 % 3.54 %
Schedule Of Future Minimum Payments Operating Leases	(Dollars in thousands) 2021 $ 166 2022 640 2023 650 2024 628 2025 588 2026 and beyond 3,396 Undiscounted cash flow 6,068 Imputed Interest ( 1,087 ) Total lease liability $ 4,981

Derivatives (Tables)

Derivatives (Tables)	9 Months Ended
	Sep. 30, 2021
Derivatives [Abstract]
Schedule Of Fair Value Of Derivative Instruments	Fair Value of Derivative Instruments Derivative Liabilities (Dollars in thousands) September 30, 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 $ 6,699 Other Liabilities $ 20 $ 6,836 Other Liabilities $ 40 Total derivatives not designated as hedging instruments $ 20 $ 40
Schedule Of Effect Of Derivative Instruments On The Statement Of Income	Effect of Derivatives as Hedging Instruments on the Income Statement 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 Nine Months Ended September 30, 2021 September 30, 2020 September 30, 2021 September 30, 2020 Other Contracts Other income $ 3 $ - $ 20 $ ( 33 )

Pension (Tables)

Pension (Tables)	9 Months Ended
	Sep. 30, 2021
Pension [Abstract]
Schedule Of Net Periodic Pension Costs	Three Months Ended Nine Months Ended September 30, September 30, (Dollars in thousands) 2021 2020 2021 2020 Components of net periodic cost: Service cost $ 107 $ 83 $ 312 $ 249 Interest cost 96 131 279 394 Expected return on plan assets ( 280 ) ( 269 ) ( 834 ) ( 809 ) Settlement expense 158 — 356 — Recognized net actuarial loss 283 226 850 678 Total pension expense $ 364 $ 171 $ 963 $ 512

Fair Value Measurements And F_2

Fair Value Measurements And Fair Values Of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2021 Asset Description Level 1 Level 2 Level 3 Total Equity securities, at fair value $ 473 $ — $ — $ 473 Available for sale: U.S. Government and Agency securities 79,499 10,147 — 89,646 Municipal securities — 232,276 — 232,276 Corporate securities — 24,956 — 24,956 Agency mortgage-backed securities — 126,117 — 126,117 Private-label mortgage-backed securities — 27,049 — 27,049 Asset-backed securities — 45,744 — 45,744 Total assets $ 79,972 $ 466,289 $ — $ 546,261 (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 September 30, 2021 Asset Description Level 1 Level 2 Level 3 Total Impaired loans (1) $ — $ — $ 4,379 $ 4,379 Total assets $ — $ — $ 4,379 $ 4,379 (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 that may have been charged-down to fair value during the reporting period or have a specific reserve established.
Fair Value Inputs, Assets, Quantitative Information	(Dollars in thousands) Range September 30, 2021 Fair Value Valuation Technique Unobservable Input Weighted Average Impaired loans $ 4,379 Appraisal Appraisal Adjustment on: Real estate assets 20 % ( 20 %) Non-real estate assets 100 % ( 100 %) Cost to sell 8 % Range December 31, 2020 Fair Value Valuation Technique Unobservable Input (Weighted Average) Impaired Loans $ 5,474 Appraisal Appraisal Adjustment 0 % - 100 % ( 66 %) Cost to sell 8 %
Fair Value, By Balance Sheet Grouping	September 30, 2021 Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 Financial assets, carried at cost: Cash and cash equivalents $ 98,893 $ 98,893 $ 98,893 $ — $ — Long-term interest-bearing deposits in other banks 10,742 10,742 10,742 — — Loans held for sale 4,114 4,223 — 4,223 — Net loans 1,002,802 1,013,357 — — 1,013,357 Accrued interest receivable 5,543 5,543 — — 5,543 Financial liabilities: Deposits $ 1,544,295 $ 1,580,215 $ — $ 1,580,215 $ — Subordinate notes 19,581 20,169 — 20,169 — Accrued interest payable 90 90 — 90 — 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)	9 Months Ended
	Sep. 30, 2021
Capital Ratios [Abstract]
Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements	Regulatory Ratios Adequately Well September 30, December 31, Capitalized Capitalized (Dollars in thousands) 2021 2020 Minimum Minimum Common Equity Tier 1 Risk-based Capital Ratio (1) Franklin Financial Services Corporation 14.91 % 14.32 % N/A N/A Farmers & Merchants Trust Company 14.97 % 14.07 % 4.50 % 6.50 % Tier 1 Risk-based Capital Ratio (2) Franklin Financial Services Corporation 14.91 % 14.32 % N/A N/A Farmers & Merchants Trust Company 14.97 % 14.07 % 6.00 % 8.00 % Total Risk-based Capital Ratio (3) Franklin Financial Services Corporation 18.16 % 17.69 % N/A N/A Farmers & Merchants Trust Company 16.23 % 15.33 % 8.00 % 10.00 % Tier 1 Leverage Ratio (4) Franklin Financial Services Corporation 8.53 % 8.69 % N/A N/A Farmers & Merchants Trust Company 8.57 % 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)	9 Months Ended
	Sep. 30, 2021
Commitments And Contingencies [Abstract]
Outstanding Commitments	September 30, December 31, (Dollars in thousands) 2021 2020 Financial instruments whose contract amounts represent credit risk Commercial commitments to extend credit $ 308,157 $ 280,939 Consumer commitments to extend credit (secured) 80,611 71,761 Consumer commitments to extend credit (unsecured) 5,349 5,224 $ 394,117 $ 357,924 Standby letters of credit $ 22,939 $ 22,334

Basis Of Presentation (Schedule

Basis Of Presentation (Schedule Of Earnings Per Share, Basic And Diluted) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Basis Of Presentation [Abstract]
Weighted average shares outstanding (basic)	4,441	4,358	4,421	4,350
Impact of common stock equivalents	26	4	19	9
Weighted average shares outstanding (diluted)	4,467	4,362	4,440	4,359
Anti-dilutive options excluded from calculation	30	93	31	74
Net income	$ 5,862	$ 3,462	$ 15,963	$ 8,248
Basic earnings per share	$ 1.32	$ 0.79	$ 3.61	$ 1.90
Diluted earnings per share	$ 1.31	$ 0.79	$ 3.60	$ 1.89

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss) [Line Items]
Total accumulated other comprehensive (loss) income	$ (2,173,000)	$ 3,190,000
Accumulated Other Comprehensive Income (Loss), Debt Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive (loss) income, Before tax	5,782,000	12,571,000
Accumulated other comprehensive (loss) income, Tax effect	(1,214,000)	(2,640,000)
Total accumulated other comprehensive (loss) income	4,568,000	9,931,000
Accumulated Other Comprehensive Income (Loss), Pension [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive (loss) income, Before tax	(8,533,000)	(8,533,000)
Accumulated other comprehensive (loss) income, Tax effect	1,792,000	1,792,000
Total accumulated other comprehensive (loss) income	$ (6,741,000)	$ (6,741,000)

Investments (Narrative) (Detail

Investments (Narrative) (Details)	9 Months Ended
	Sep. 30, 2021USD ($)securityitem	Dec. 31, 2020USD ($)security
Schedule of Available-for-sale Securities [Line Items]
Fair value	$ 545,788,000	$ 396,940,000
Percent of shareholders equity benchmark for investments in a single issuer	10.00%
Number of debt securities | security	204	102
Fair value of temporarily impaired securities	$ 234,800,000	$ 82,950,000
Unrealized Losses	3,465,000	701,000
Total unrealized loss position increased over prior year	2,800,000
Equity securities	473,000	391,000
Corporate [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value	$ 24,956,000	$ 20,288,000
Number of debt securities | security	19	17
Fair value of temporarily impaired securities	$ 9,902,000	$ 10,616,000
Unrealized Losses	141,000	155,000
Public Funds And Trust Deposits [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value	$ 168,000,000	137,400,000
Equity Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of equity investments | item	1
Equity securities	$ 473,000	$ 391,000

Investments (Unrealized Gain (L

Investments (Unrealized Gain (Loss) On Investments) (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 540,006,000	$ 384,369,000
Gross unrealized gains	9,247,000	13,272,000
Gross unrealized losses	(3,465,000)	(701,000)
Fair value	545,788,000	396,940,000
U.S. Government And Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	89,813,000	12,594,000
Gross unrealized gains	126,000	20,000
Gross unrealized losses	(293,000)	(40,000)
Fair value	89,646,000	12,574,000
Municipal [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	226,582,000	236,253,000
Gross unrealized gains	7,184,000	11,020,000
Gross unrealized losses	(1,490,000)	(219,000)
Fair value	232,276,000	247,054,000
Corporate [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	24,786,000	20,421,000
Gross unrealized gains	311,000	22,000
Gross unrealized losses	(141,000)	(155,000)
Fair value	24,956,000	20,288,000
Agency Mortgage-Backed [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	126,238,000	70,443,000
Gross unrealized gains	1,217,000	1,905,000
Gross unrealized losses	(1,338,000)	(107,000)
Fair value	126,117,000	72,241,000
Private-Label Mortgage-Backed [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	27,073,000	8,412,000
Gross unrealized gains	50,000	56,000
Gross unrealized losses	(74,000)	(15,000)
Fair value	27,049,000	8,453,000
Asset-Backed [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	45,514,000	36,246,000
Gross unrealized gains	359,000	249,000
Gross unrealized losses	(129,000)	(165,000)
Fair value	$ 45,744,000	$ 36,330,000

Investments (Amortized Cost And

Investments (Amortized Cost And Fair Value Of Debt Securities, By Contractual Maturity) (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 540,006,000	$ 384,369,000
Fair Value	545,788,000	$ 396,940,000
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Due in one year or less, Amortized cost	2,613,000
Due after one year through five years, Amortized cost	21,770,000
Due after five years through ten years, Amortized cost	268,783,000
Due after ten years, Amortized cost	48,015,000
Amortized cost	341,181,000
Due in one year or less, Fair value	2,644,000
Due after one year through five years, Fair value	22,368,000
Due after five years through ten years, Fair value	274,542,000
Due after ten years, Fair value	47,324,000
Fair Value	346,878,000
Mortgage-Backed And Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Mortgage-backed securities, Amortized cost	198,825,000
Mortgage-backed securities, Fair value	$ 198,910,000

Investments (Composition Of Net

Investments (Composition Of Net Realized Securities Gains (Losses)) (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Investments [Abstract]
Proceeds	$ 1,225	$ 16,060	$ 1,390
Gross gains realized	7	169	7
Gross losses realized	(23)	(78)	(33)
Net gains (losses) realized	(16)	91	(26)
Tax (provision) benefit on net gains (losses) realized	$ 3	$ (19)	$ 5

Investments (Schedule Of Unreal

Investments (Schedule Of Unrealized Loss On Investments) (Details)	Sep. 30, 2021USD ($)security	Dec. 31, 2020USD ($)security
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 208,367,000	$ 60,918,000
Less than 12 months: Unrealized Losses	$ (2,690,000)	$ (405,000)
Less than 12 months: Count | security	174	67
12 months or more: Fair Value	$ 26,433,000	$ 22,032,000
12 months or more: Unrealized Losses	$ (775,000)	$ (296,000)
12 months or more: Count | security	30	35
Fair Value	$ 234,800,000	$ 82,950,000
Unrealized Losses	$ (3,465,000)	$ (701,000)
Count | security	204	102
U.S. Government And Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 59,916,000	$ 3,966,000
Less than 12 months: Unrealized Losses	$ (280,000)	$ (21,000)
Less than 12 months: Count | security	15	5
12 months or more: Fair Value	$ 3,946,000	$ 4,185,000
12 months or more: Unrealized Losses	$ (13,000)	$ (19,000)
12 months or more: Count | security	5	11
Fair Value	$ 63,862,000	$ 8,151,000
Unrealized Losses	$ (293,000)	$ (40,000)
Count | security	20	16
Municipal [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 48,450,000	$ 27,022,000
Less than 12 months: Unrealized Losses	$ (971,000)	$ (219,000)
Less than 12 months: Count | security	55	28
12 months or more: Fair Value	$ 12,248,000
12 months or more: Unrealized Losses	$ (519,000)
12 months or more: Count | security	11
Fair Value	$ 60,698,000	$ 27,022,000
Unrealized Losses	$ (1,490,000)	$ (219,000)
Count | security	66	28
Corporate [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 8,447,000	$ 7,576,000
Less than 12 months: Unrealized Losses	$ (96,000)	$ (37,000)
Less than 12 months: Count | security	17	13
12 months or more: Fair Value	$ 1,455,000	$ 3,040,000
12 months or more: Unrealized Losses	$ (45,000)	$ (118,000)
12 months or more: Count | security	2	4
Fair Value	$ 9,902,000	$ 10,616,000
Unrealized Losses	$ (141,000)	$ (155,000)
Count | security	19	17
Agency Mortgage-Backed [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 76,682,000	$ 18,390,000
Less than 12 months: Unrealized Losses	$ (1,179,000)	$ (101,000)
Less than 12 months: Count | security	64	17
12 months or more: Fair Value	$ 5,710,000	$ 3,355,000
12 months or more: Unrealized Losses	$ (159,000)	$ (6,000)
12 months or more: Count | security	6	5
Fair Value	$ 82,392,000	$ 21,745,000
Unrealized Losses	$ (1,338,000)	$ (107,000)
Count | security	70	22
Private-Label Mortgage-Backed [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 12,920,000	$ 2,506,000
Less than 12 months: Unrealized Losses	$ (74,000)	$ (15,000)
Less than 12 months: Count | security	9	2
Fair Value	$ 12,920,000	$ 2,506,000
Unrealized Losses	$ (74,000)	$ (15,000)
Count | security	9	2
Asset-Backed [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 1,952,000	$ 1,458,000
Less than 12 months: Unrealized Losses	$ (90,000)	$ (12,000)
Less than 12 months: Count | security	14	2
12 months or more: Fair Value	$ 3,074,000	$ 11,452,000
12 months or more: Unrealized Losses	$ (39,000)	$ (153,000)
12 months or more: Count | security	6	15
Fair Value	$ 5,026,000	$ 12,910,000
Unrealized Losses	$ (129,000)	$ (165,000)
Count | security	20	17

Investments (Other Than Tempora

Investments (Other Than Temporary Impairment, Credit Losses Recognized In Earnings) (Details) - USD ($)	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Investments [Abstract]
Beginning balance of cumulative credit-related OTTI	$ 272,000	$ 272,000
Decreases for previously recognized credit losses on securities that paid off	(15,000)
Ending balance of credit-related OTTI	$ 257,000	$ 272,000

Loans (Narrative) (Details)

Loans (Narrative) (Details)	9 Months Ended
	Sep. 30, 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 ($)	Sep. 30, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,018,168,000	$ 1,009,704,000
Less: Allowance for loan losses	(15,366,000)	(16,789,000)
Net Loans	1,002,802,000	992,915,000
Net unamortized deferred loan (fees) costs	853,000	8,000
Paycheck Protection Program (PPP) loans (included in Commercial loans above)	21,742,000	52,290,000
Unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above)	(821,000)	(1,343,000)
Loans pledged as collateral for borrowings and commitments from: FHLB	733,661,000	840,850,000
Loans pledged as collateral for borrowings and commitments from :Federal Reserve Bank	51,653,000	50,605,000
Total	785,314,000	891,455,000
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	204,501,000	202,584,000
Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	22,078,000	16,309,000
Less: Allowance for loan losses	(367,000)	(294,000)
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	527,092,000	503,977,000
Less: Allowance for loan losses	(8,688,000)	(9,163,000)
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	257,693,000	281,257,000
Less: Allowance for loan losses	(4,886,000)	(5,679,000)
Total Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	784,785,000	785,234,000
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	6,804,000	5,577,000
Less: Allowance for loan losses	(137,000)	(97,000)
PPP, Two-year Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Paycheck Protection Program (PPP) loans (included in Commercial loans above)	31,000	5,378,000
Unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above)		(165,000)
PPP, Five-year Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Paycheck Protection Program (PPP) loans (included in Commercial loans above)	21,711,000	46,912,000
Unamortized deferred PPP loan fees (included in Net unamortized deferred loan fees above)	(821,000)	(1,178,000)
Consumer First Liens [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	75,649,000	77,373,000
Consumer Junior Liens And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	65,279,000	60,935,000
Consumer [Member] | Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	8,195,000	6,751,000
Commercial First Lien [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	58,630,000	59,851,000
Commercial Junior Liens And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	4,943,000	4,425,000
Commercial [Member] | Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	13,883,000	9,558,000
First Liens [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	134,279,000	137,224,000
Less: Allowance for loan losses	(492,000)	(555,000)
Junior Lines And Lines Of Credit [Member] | Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 70,222,000	$ 65,360,000

Loan Quality And Allowance Fo_3

Loan Quality And Allowance For Loan Losses (Allowance For Loan Losses, By Loan Segment) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	$ 15,055,000	$ 16,555,000	$ 16,789,000	$ 11,966,000
Charge-offs	(129,000)	(28,000)	(214,000)	(452,000)
Recoveries	440,000	249,000	691,000	287,000
Provision		375,000	(1,900,000)	5,350,000
Allowance, Ending Balance	15,366,000	17,151,000	15,366,000	17,151,000
Loans evaluated for allowance individually	12,456,000		12,456,000		$ 17,253,000
Loans evaluated for allowance collectively	1,005,712,000		1,005,712,000		992,451,000
Total Loans	1,018,168,000		1,018,168,000		1,009,704,000
Allowance established for loans evaluated individually	1,308,000		1,308,000		228,000
Allowance established for loan evaluated collectively	14,058,000		14,058,000		16,561,000
Total Allowance	15,366,000		15,366,000		16,789,000
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans	204,501,000		204,501,000		202,584,000
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	349,000	242,000	294,000	187,000
Charge-offs			(28,000)
Provision	18,000	17,000	101,000	72,000
Allowance, Ending Balance	367,000	259,000	367,000	259,000
Loans evaluated for allowance individually	426,000		426,000		512,000
Loans evaluated for allowance collectively	21,652,000		21,652,000		15,797,000
Total Loans	22,078,000		22,078,000		16,309,000
Allowance established for loan evaluated collectively	367,000		367,000		294,000
Total Allowance	367,000		367,000		294,000
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	7,878,000	8,837,000	9,163,000	6,607,000
Charge-offs			(13,000)
Recoveries			1,000
Provision	810,000	372,000	(463,000)	2,602,000
Allowance, Ending Balance	8,688,000	9,209,000	8,688,000	9,209,000
Loans evaluated for allowance individually	11,371,000		11,371,000		16,104,000
Loans evaluated for allowance collectively	515,721,000		515,721,000		487,873,000
Total Loans	527,092,000		527,092,000		503,977,000
Allowance established for loans evaluated individually	1,308,000		1,308,000		228,000
Allowance established for loan evaluated collectively	7,380,000		7,380,000		8,935,000
Total Allowance	8,688,000		8,688,000		9,163,000
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	5,309,000	5,845,000	5,679,000	4,021,000
Charge-offs	(3,000)		(11,000)	(365,000)
Recoveries	436,000	243,000	497,000	267,000
Provision	(856,000)	(52,000)	(1,279,000)	2,113,000
Allowance, Ending Balance	4,886,000	6,036,000	4,886,000	6,036,000
Loans evaluated for allowance collectively	257,693,000		257,693,000		281,257,000
Total Loans	257,693,000		257,693,000		281,257,000
Allowance established for loan evaluated collectively	4,886,000		4,886,000		5,679,000
Total Allowance	4,886,000		4,886,000		5,679,000
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	102,000	105,000	97,000	84,000
Charge-offs	(126,000)	(28,000)	(162,000)	(87,000)
Recoveries	4,000	6,000	23,000	16,000
Provision	157,000	11,000	179,000	81,000
Allowance, Ending Balance	137,000	94,000	137,000	94,000
Loans evaluated for allowance collectively	6,804,000		6,804,000		5,577,000
Total Loans	6,804,000		6,804,000		5,577,000
Allowance established for loan evaluated collectively	137,000		137,000		97,000
Total Allowance	137,000		137,000		97,000
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	738,000	749,000	775,000	532,000
Provision	(187,000)	15,000	(224,000)	232,000
Allowance, Ending Balance	551,000	764,000	551,000	764,000
Allowance established for loan evaluated collectively	551,000		551,000		775,000
Total Allowance	551,000		551,000		775,000
First Liens [Member] | Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	459,000	580,000	555,000	416,000
Recoveries				4,000
Provision	33,000	(2,000)	(63,000)	158,000
Allowance, Ending Balance	492,000	578,000	492,000	578,000
Loans evaluated for allowance individually	659,000		659,000		637,000
Loans evaluated for allowance collectively	133,620,000		133,620,000		136,587,000
Total Loans	134,279,000		134,279,000		137,224,000
Allowance established for loan evaluated collectively	492,000		492,000		555,000
Total Allowance	492,000		492,000		555,000
Junior Liens & Lines Of Credit [Member] | Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	220,000	197,000	226,000	119,000
Recoveries			170,000
Provision	25,000	14,000	(151,000)	92,000
Allowance, Ending Balance	245,000	$ 211,000	245,000	$ 211,000
Loans evaluated for allowance collectively	70,222,000		70,222,000		65,360,000
Total Loans	70,222,000		70,222,000		65,360,000
Allowance established for loan evaluated collectively	245,000		245,000		226,000
Total Allowance	$ 245,000		$ 245,000		$ 226,000

Loan Quality And Allowance Fo_4

Loan Quality And Allowance For Loan Losses (Impaired Financing Receivables) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	$ 6,769		$ 6,769		$ 11,551
Unpaid Principal Balance With No Allowance	7,892		7,892		12,473
Recorded Investment With Allowance	5,687		5,687		5,702
Unpaid Principal Balance With Allowance	5,796		5,796		5,702
Related Allowance	1,308		1,308		228
Average Recorded Investment	16,541	$ 17,742	16,951	$ 14,211
Interest Income Recognized	130	105	334	310
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	659		659		637
Unpaid Principal Balance With No Allowance	684		684		637
Average Recorded Investment	663	645	655	651
Interest Income Recognized	8	12	24	30
Residential Real Estate [Member] | First Liens [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	659		659		637
Unpaid Principal Balance With No Allowance	684		684		637
Average Recorded Investment	663	645	655	651
Interest Income Recognized	8	12	24	30
Residential Real Estate - Construction [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	426		426		512
Unpaid Principal Balance With No Allowance	729		729		729
Average Recorded Investment	428	517	483	519
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	5,684		5,684		10,402
Unpaid Principal Balance With No Allowance	6,479		6,479		11,107
Recorded Investment With Allowance	5,687		5,687		5,702
Unpaid Principal Balance With Allowance	5,796		5,796		5,702
Related Allowance	1,308		1,308		$ 228
Average Recorded Investment	15,450	16,580	15,813	13,041
Interest Income Recognized	$ 122	$ 93	$ 310	$ 280

Loan Quality And Allowance Fo_5

Loan Quality And Allowance For Loan Losses (Aging Of Payments Of The Loan Portfolio) (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	$ 397,000	$ 871,000
Non-accrual loans	8,632,000	8,704,000
Total Loans	1,018,168,000	1,009,704,000
Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	1,009,139,000	1,000,129,000
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	162,000	489,000
60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	232,000	344,000
90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	3,000	38,000
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	319,000	265,000
Non-accrual loans	79,000	51,000
Total Loans	204,501,000	202,584,000
Residential Real Estate [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	204,103,000	202,268,000
Residential Real Estate [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	88,000	158,000
Residential Real Estate [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	231,000	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	240,000	127,000
Non-accrual loans	41,000	41,000
Total Loans	134,279,000	137,224,000
Residential Real Estate [Member] | First Liens [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	133,998,000	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	9,000	43,000
Residential Real Estate [Member] | First Liens [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	231,000	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	79,000	138,000
Non-accrual loans	38,000	10,000
Total Loans	70,222,000	65,360,000
Residential Real Estate [Member] | Junior Liens & Lines Of Credit [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	70,105,000	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	79,000	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		23,000
Residential Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	426,000	512,000
Total Loans	22,078,000	16,309,000
Residential Real Estate - Construction [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	21,652,000	15,797,000
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans		335,000
Non-accrual loans	8,027,000	8,033,000
Total Loans	527,092,000	503,977,000
Commercial Real Estate [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	519,065,000	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	53,000	219,000
Non-accrual loans	100,000	108,000
Total Loans	257,693,000	281,257,000
Commercial [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	257,540,000	280,930,000
Commercial [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	53,000	219,000
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	25,000	52,000
Total Loans	6,804,000	5,577,000
Consumer [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	6,779,000	5,525,000
Consumer [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	21,000	38,000
Consumer [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	1,000	2,000
Consumer [Member] | 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	$ 3,000	$ 12,000

Loan Quality And Allowance Fo_6

Loan Quality And Allowance For Loan Losses (Internal Credit Rating For The Loan Portfolio) (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	$ 1,018,168,000	$ 1,009,704,000
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	959,671,000	943,618,000
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	40,375,000	46,645,000
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	18,122,000	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	204,501,000	202,584,000
Residential Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	204,501,000	202,506,000
Residential Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		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	134,279,000	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	134,279,000	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		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	70,222,000	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	70,222,000	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		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	22,078,000	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	21,652,000	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	426,000	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	527,092,000	503,977,000
Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	471,021,000	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	38,595,000	35,947,000
Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	17,476,000	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	257,693,000	281,257,000
Commercial [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	255,693,000	270,272,000
Commercial [Member] | Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	1,780,000	10,698,000
Commercial [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	220,000	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	6,804,000	5,577,000
Consumer [Member] | Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	6,804,000	5,565,000
Consumer [Member] | Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		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_7

Loan Quality And Allowance For Loan Losses (Troubled Debt Restructuring Loans) (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2021USD ($)contract	Dec. 31, 2020USD ($)contractitem
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract	20	19
Troubled Debt Restructurings: Recorded Investment	$ 6,342	$ 11,011
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
New During Period, Recorded Investment		1,076
Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	5,088	10,803
Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	$ 1,254	$ 208
Residential Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract	1	1
Troubled Debt Restructurings: Recorded Investment	$ 427	$ 434
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		$ 434
Residential Real Estate - Construction [Member] | Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	$ 427
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract	5	4
Troubled Debt Restructurings: Recorded Investment	$ 658	$ 637
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 | contract	1
New During Period, Pre-TDR Modification	$ 41
New During Period, After-TDR Modification	41
New During Period, Recorded Investment	41
Residential Real Estate [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	617	$ 637
Residential Real Estate [Member] | Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	$ 41
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	$ 1,181	$ 1,224
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		2
New During Period, Pre-TDR Modification		$ 426
New During Period, After-TDR Modification		426
New During Period, Recorded Investment		423
Commercial Real Estate - Owner Occupied [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	831	$ 1,224
Commercial Real Estate - Owner Occupied [Member] | Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	$ 350
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	$ 2,173	$ 2,257
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 | contract		1
New During Period, Pre-TDR Modification		$ 650
New During Period, After-TDR Modification		650
New During Period, Recorded Investment		653
Commercial Real Estate - Farm Land [Member] | Performing [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	$ 2,173	$ 2,257
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	$ 1,600	$ 6,129
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	1,360	$ 6,129
Commercial Real Estate - Construction And Land [Member] | Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	$ 240
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Number of Contracts | contract	2	2
Troubled Debt Restructurings: Recorded Investment	$ 303	$ 330
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	107	122
Commercial Real Estate [Member] | Nonperforming [Member]
Financing Receivable, Modifications [Line Items]
Troubled Debt Restructurings: Recorded Investment	$ 196	$ 208

Leases (Schedule Of Lease Costs

Leases (Schedule Of Lease Costs) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Leases [Abstract]
Operating lease cost	$ 522	$ 149	$ 522	$ 466
Short-term lease cost	94	2	95	5
Variable lease cost	74	11	74	39
Total lease cost	$ 690	$ 162	$ 691	$ 510

Leases (Schedule Of Measurement

Leases (Schedule Of Measurement Of Lease Liabilities) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Leases [Abstract]
Operating cash flows from operating leases	$ 491	$ 447
Weighted-average remaining lease term (years)	11 years 2 months 12 days	12 years 6 months
Weighted-average discount rate	3.36%	3.54%

Leases (Schedule Of Future Mini

Leases (Schedule Of Future Minimum Payments Operating Leases) (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Leases [Abstract]
2021	$ 166,000
2022	640,000
2023	650,000
2024	628,000
2025	588,000
2026 and beyond	3,396,000
Undiscounted cash flow	6,068,000
Imputed Interest	(1,087,000)
Total lease liability	$ 4,981,000	$ 5,332,000

Other Real Estate Owned (Detail

Other Real Estate Owned (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Other Real Estate Owned [Abstract]
Other real estate owned	$ 0	$ 0

Derivatives (Narrative) (Detail

Derivatives (Narrative) (Details) $ in Thousands	Sep. 30, 2021USD ($)
Derivatives [Abstract]
Derivative, net	$ 21

Derivatives (Schedule Of Fair V

Derivatives (Schedule Of Fair Value Of Derivative Instruments) (Details) - Not Designated as Hedging Instrument [Member] - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Fair Value	$ 20	$ 40
Other Contracts [Member]
Derivatives, Fair Value [Line Items]
Notional Amount	6,699	6,836
Fair Value	$ 20	$ 40

Derivatives (Schedule Of Effect

Derivatives (Schedule Of Effect Of Derivative Instruments On The Statement Of Income) (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2021	Sep. 30, 2020
Other Contracts [Member] | Other Income [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Recognized in Income on Derivatives	$ 3	$ 20	$ (33)

Pension (Schedule Of Net Period

Pension (Schedule Of Net Periodic Pension Costs) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Pension [Abstract]
Service cost	$ 107	$ 83	$ 312	$ 249
Interest cost	96	131	279	394
Expected return on plan assets	(280)	(269)	(834)	(809)
Settlement expense	158		356
Recognized net actuarial loss	283	226	850	678
Total pension expense	$ 364	$ 171	$ 963	$ 512

Fair Value Measurements And F_3

Fair Value Measurements And Fair Values Of Financial Instruments (Narrative) (Details) - USD ($)	9 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]
Derivative liabilities	$ 21,000	$ 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 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 ($)	Sep. 30, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	$ 473,000	$ 391,000
Available for sale	545,788,000	396,940,000
Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	546,261,000	397,331,000
Level 1 [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	79,972,000	391,000
Level 2 [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	466,289,000	396,940,000
Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	473,000	391,000
Equity Securities [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	473,000	391,000
Equity Securities [Member] | Level 1 [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	473,000	391,000
U.S. Government And Agency [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	89,646,000	12,574,000
U.S. Government And Agency [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	89,646,000	12,574,000
U.S. Government And Agency [Member] | Level 1 [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	79,499,000
U.S. Government And Agency [Member] | Level 2 [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	10,147,000	12,574,000
Municipal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	232,276,000	247,054,000
Municipal [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	232,276,000	247,054,000
Municipal [Member] | Level 2 [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	232,276,000	247,054,000
Corporate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	24,956,000	20,288,000
Corporate [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	24,956,000	20,288,000
Corporate [Member] | Level 2 [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	24,956,000	20,288,000
Agency Mortgage-Backed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	126,117,000	72,241,000
Agency Mortgage-Backed [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	126,117,000	72,241,000
Agency Mortgage-Backed [Member] | Level 2 [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	126,117,000	72,241,000
Private-Label Mortgage-Backed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	27,049,000	8,453,000
Private-Label Mortgage-Backed [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	27,049,000	8,453,000
Private-Label Mortgage-Backed [Member] | Level 2 [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	27,049,000	8,453,000
Asset-Backed [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	45,744,000	36,330,000
Asset-Backed [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	45,744,000	36,330,000
Asset-Backed [Member] | Level 2 [Member] | Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	$ 45,744,000	$ 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) - Nonrecurring [Member] - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 4,379	$ 5,474
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	4,379	5,474
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	4,379	5,474
Impaired Loans [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 4,379	$ 5,474

Fair Value Measurements And F_6

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value Inputs, Assets, Quantitative Information) (Details) - Nonrecurring [Member] - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 4,379	$ 5,474
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	4,379	5,474
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	4,379	5,474
Impaired Loans [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 4,379	$ 5,474
Impaired Loans [Member] | Level 3 [Member] | Cost to Sell [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	8.00%	8.00%
Impaired Loans [Member] | Level 3 [Member] | Minimum [Member] | Appraisal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage		0.00%
Impaired Loans [Member] | Level 3 [Member] | Maximum [Member] | Appraisal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage		100.00%
Impaired Loans [Member] | Level 3 [Member] | Weighted Average [Member] | Appraisal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage		66.00%
Impaired Loans, Real Estate Assets [Member] | Level 3 [Member] | Appraisal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	20.00%
Impaired Loans, Real Estate Assets [Member] | Level 3 [Member] | Weighted Average [Member] | Appraisal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	20.00%
Impaired Loans, Non-Real Estate Assets [Member] | Level 3 [Member] | Appraisal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	100.00%
Impaired Loans, Non-Real Estate Assets [Member] | Level 3 [Member] | Weighted Average [Member] | Appraisal [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Quantitative Information Percentage	100.00%

Fair Value Measurements And F_7

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value, By Balance Sheet Grouping) (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt securities available for sale, at fair value	$ 545,788,000	$ 396,940,000
Equity securities, at fair value	473,000	391,000
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	98,893,000	57,146,000
Long-term interest-bearing deposits in other banks	10,742,000	12,741,000
Loans held for sale	4,114,000	9,446,000
Net loans	1,002,802,000	992,915,000
Accrued interest receivable	5,543,000	6,410,000
Deposits	1,544,295,000	1,354,573,000
Subordinate notes	19,581,000	19,555,000
Accrued interest payable	90,000	180,000
Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	98,893,000	57,146,000
Long-term interest-bearing deposits in other banks	10,742,000	12,741,000
Loans held for sale	4,223,000	9,446,000
Net loans	1,013,357,000	990,867,000
Accrued interest receivable	5,543,000	6,410,000
Deposits	1,580,215,000	1,355,086,000
Subordinate notes	20,169,000	19,750,000
Accrued interest payable	90,000	180,000
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	98,893,000	57,146,000
Long-term interest-bearing deposits in other banks	10,742,000	12,741,000
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	4,223,000	9,446,000
Deposits	1,580,215,000	1,355,086,000
Subordinate notes	20,169,000	19,750,000
Accrued interest payable	90,000	180,000
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Net loans	1,013,357,000	990,867,000
Accrued interest receivable	$ 5,543,000	$ 6,410,000

Subordinated Notes (Narrative)

Subordinated Notes (Narrative) (Details) - USD ($)	9 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Subordinated notes	$ 19,581,000	$ 19,555,000
Debt issuance costs	$ 419,000,000
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]
Subordinated notes	$ 15,000,000
Maturing September 1, 2035 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Subordinated notes	5,000,000
Through September 1, 2025 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Subordinated 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]
Subordinated 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]
Subordinated notes	$ 20,000,000

Capital Ratios (Narrative) (Det

Capital Ratios (Narrative) (Details) - USD ($) $ in Billions	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Capital Ratios, Basel III, Capital Conservation Buffer, Year Three	2.50%
Community Bank Leverage Ratio, Minimum		9.00%
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: 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	8.23%

Capital Ratios (Schedule Of The

Capital Ratios (Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements) (Details)	Sep. 30, 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	14.91	14.32
Tier 1 Risk-based Capital Ratio: Ratio	14.91	14.32
Total Risk-based Capital Ratio: Ratio	18.16	17.69
Tier 1 Leverage Ratio: Ratio	8.53	8.69
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-based Capital Ratio: Ratio	14.97	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	14.97	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	16.23	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	8.57	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		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 1,740	$ 1,433	$ 5,282	$ 4,469
Estate management services Fees recognition period			18 months
Asset Management Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	1,600	1,300	$ 4,900	4,200
Estate Management Services Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	130	45	313	118
Commisions [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 34	$ 39	$ 118	$ 162

Commitments And Contingencies_2

Commitments And Contingencies (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2018	Jun. 30, 2021	Mar. 31, 2020	Sep. 30, 2021
Commitments And Contingencies [Abstract]
Allowance against letters of credit	$ 2,400			$ 1,500
Letters of credit cancelled		$ 636	$ 250

Commitments And Contingencies_3

Commitments And Contingencies (Outstanding Commitments ) (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Commercial Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 308,157	$ 280,939
Consumer Commitments To Extend Credit (Secured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	80,611	71,761
Consumer Commitments To Extend Credit (Unsecured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	5,349	5,224
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	394,117	357,924
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 22,939	$ 22,334